CA2994574C - Electronic certificate fulfillment information transmission method, device and system - Google Patents

Abstract

Disclosed are an electronic certificate fulfillment information transmission method, device and system, belonging to the technical field of Internet finance. The method comprises: a seller end sends fulfillment information to a second funds management server and/or a first funds management server (S101); after receiving the fulfillment information, the second funds management server and/or the first funds management server updates the status of a corresponding electronic certificate according to the fulfillment information (S102). The seller end feeds back the fulfillment information in a timely manner, thereby completing the transfer of the fulfillment information, ensuring that the electronic certificate continues to be valid and smoothly transitions to the next status, and ensuring the smooth execution of a transaction.

Description

Title: Electronic Certificate Fulfillment Information Transmission Method, Device And System Technical Field [0001] The present invention relates to the field of Internet finance technology, and in particular, to a method, a device and a system for transmitting performance information of an electronic certificate.
Background Technology

[0002] E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informational, thus reducing the cost of the transaction and improving the efficiency of the transaction.
However, in the current E-commerce applications, the transfer of funds mainly depends on the traditional way of electronic direct transfer payment and third-party payment, with a single payment method.

[0003] Currently, there has been a new type of financial instruments, an electronic credit certificate, compared with the traditional online payment, it greatly reducing the transaction risk, protect the interests of buyers and sellers. After the opening of the electronic credit certificate, the validity period is divided into three periods, the time limit is set out in the electronic credit certificate, which are the receipt, performance and the deadline of applying for payment. If the corresponding action is not implemented within the time limit, the electronic credit certificate will be invalid. Therefore, the seller not only needs to perform the contract within the deadline for the performance, but also needs to provide feedback on the compliance information within the deadline for the performance of the contract and promptly complete the transfer of the compliance information and smoothly transition to the next stage. Otherwise, the seller may easily terminate the transaction by invalidating the electronic credit certificate.
Technical problem

[0004] In view of this, the technical problem to be solved by the present invention is to provide a method, device and system for transmitting fulfilment information of an electronic certificate to solve the technical problem of timely delivery of compliance information and smooth transition to the next stage.
Problem solving solution Technical solutions

[0005] The technical solution of the present invention to solve the above-mentioned technical problems is as follows:

[0006] According to one aspect of the present invention, it is provided a method for transmitting performance information of an electronic certificate, including the following steps:

[0007] The seller delivers the fulfilment information to the second Funds-Management server and / or the first Funds-Management server.

[0008] After receiving the compliance information, the second Funds-Management server and / or the first Funds-Management server updates the corresponding electronic certificate status according to the compliance information.

[0009] According to another aspect of the present invention, it is provided a method for transmitting performance information of an electronic certificate, which is applied to a seller. The method includes the following steps:

[0010] Receive the second Funds-Management server delivered by the second Funds-Management server;

[0011] The fulfilment information is delivered to the second Funds-Management server and / or the first Funds-Management server.

[0012] According to another aspect of the present invention, it is provided an electronic certificate compliance information transmission device applied to a seller terminal, the device comprising the following modules:

[0013] The receiving module is used to receive the received card information delivered by the second Funds-Management server;

[0014] The delivering module is used to deliver the fulfilment information to the second Funds-Management server and / or the first Funds-Management server.

[0015] According to another aspect of the present invention, it is provided a system for transmitting electronic certificate compliance information, the system including:

[0016] The seller terminal is used to deliver the fulfilment information to the second Funds-Management server and / or the first Funds-Management server;

[0017] The second Funds-Management server is used to update the corresponding electronic certificate status according to the fulfilment information after receiving the fulfilment information delivered by the seller;

[0018] The first Funds-Management server is used to update the corresponding electronic certificate status according to the fulfilment information after receiving the fulfilment information;
The beneficial effect of the invention Beneficial effect

[0019] A method, a device and a system for transmitting fulfilment information of an electronic certificate provided by the examples of the present invention enable the seller to timely deliver the performance information through the seller after the contract is fulfilled so as to complete the transfer of the performance information and to ensure the continuous and effective electronic certificate transition to the state, to ensure the smooth progress of the transaction.
A brief description of the drawings Brief Description

[0020] Figure 1 is a flowchart of a method for transmitting performance information of an electronic certificate according to Example One of the present invention.

[0021] Figure 2 is a flowchart of a method for transmitting fulfilment information of an electronic certificate provided in Example Two of the present invention.

[0022] Figure 3 is a flowchart of a method for transmitting performance information of an electronic certificate provided by Example Three of the present invention.

[0023] Figure 4 is a flowchart of a method for transmitting performance information applied to an electronic certificate on a seller terminal according to Example 4 of the present invention.

[0024] Figure 5 is a module structure diagram of a contract information transmission device applied to a seller-terminal electronic certificate according to a fifth example of the present invention.

[0025] Figure 6 is a structural diagram of an electronic certificate compliance information transmission system according to Example Six of the present invention.
Examples of the Invention Implementation pattern of the present invention

[0026] To make the technical problems, technical solutions and advantages more apparent and clear, the present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific examples described herein are merely illustrative of the invention and are not intended to limit the invention.

[0027] The program described in the electronic certificate that the bank committed to pay funds under the agreed terms of payment credit of electronic credit, it refers to the application of the buyer to funds management institution with its account funds or credit lines as a deposit, funds management institution commits to handle the payment certificate of electronic credit commitment in accordance with the payment terms.

[0028] In the example of the present invention, an electronic certificate is an Internet financial instrument paid by funds management institution, mainly for the buyer's commodity. The seller downloads the cash certificate access interface and the buyer completes the electronic certificate, the seller completes the receipt, performs the contract, and submits the payment, and the final electronic certificate expires automatically. The electronic certificate can be purchased not only for buying commodity, but also be used for mortgage guarantees. A fund management institution is an institution that can support capital flows, including but not limited to banks and other financial institutions (such as securities institutions). Accordingly, Funds-Management server includes a bank server or other financial institution server.

[0029] In this example of the present invention, the process of online payment transactions through electronic certificate is roughly as follows: after the buyer and the seller form the order, the buyer applies for issuing the certificate to the first Funds-Management server (the issuing server) through the buyer (the issuing terminal). Of course, the buyer can also take the initiative to apply for a license without a transaction order. After the first Funds-Management server accepts the application, it opens an electronic certificate according to the issuing application and freezes the funds or credit line of the buyer's account for the corresponding amount. After the seller confirms the order, he / she applies to the second Funds-Management server (the server of the funds management institution) via the second client (receiving end), and the second Funds-Management server verifies the information and receives the certificate. Electronic certificate into compliance period, waiting for the seller to deliver commodity or provide services. After the seller fulfils the contract during the performance period, the second Funds-Management server submits the fulfilment information (such as logistics number), the second Funds-Management server changes the status of the electronic certificate, and the electronic certificate enters the period of receipt and waits for the buyer to sign for the commodity. When the buyer signs the commodity within the period of receipt, that is to say, the seller completes the corresponding transaction conditions according to the settlement conditions of the electronic certificate, and the electronic certificate enters the settlement period. The seller applies for the second Funds-Management server to apply for the settlement to the first Funds-Management server within the time limit for applying for settlement, and after the first Funds-Management server determines that the conditions for the settlement have been reached, the funds or credit of the frozen amount of the buyer's account is released The funds will be transferred to the second Funds-Management server, and the funds will be transferred by the second Funds-Management server into the seller's designated receiving account (i.e., the collecting account). At this point, the completion of online payment, the entire transaction is completed.

[0030] It should be understood that the above is only a way to use electronic certificate, it also can be used to purchase electronic services. In the purchase of services, such as living in the hotel transaction scenario, the hotel reservation is successful, that is, the hotel undertook a performance. Of course, electronic certificate can also be used to allocate funds. In different situations, the understanding of performance and receipt also changed. In other words, when a merchant provides a commodity or service, the status of the electronic certificate may directly flow through both the compliance period and the receipt period, directly entering the solution, such as face-to-face transactions.

[0031] Example I

[0032] As shown in Figure 1, a method for transmitting performance information of an electronic certificate provided in an example of the present invention includes the following steps:

[0033] S101, the seller delivers the fulfilment information to the second Funds-Management server and / or the first Funds-Management server.

[0034] Specifically, after the seller completes the performance (that is, delivers the commodity or provides the service), the seller feeds back the performance information to one or both of the second Funds-Management server and the first Funds-Management server.
Wherein, the performance information refers to the seller to perform the transaction information, specifically delivery information, such as logistics number or other acceptance number.

[0035] Specifically, in order to improve the flexibility of delivery of the fulfilment information, the seller may deliver the fulfilment information to the second Funds-Management server and the first Funds-Management server at the same time or may only deliver the fulfilment information to any one of the Funds- Management server, which is forwarded to another Funds-Management server. That is, when the seller delivers the fulfilment information only to the second Funds-Management server, the second Funds-Management server delivers the fulfilment information to the first Funds-Management server. When the seller delivers the fulfilment information to the first Funds-Management server only, the first Funds-Management server delivers the fulfilment information to the second Funds-Management server.

[0036] S102, after receiving the compliance information, the second Funds-Management server and / or the first Funds-Management server updates the corresponding electronic certificate status according to the compliance information.

[0037] Specifically, after receiving the compliance information, the second Funds-Management server and / or the first Funds-Management server updates the corresponding electronic certificate status to the next status according to the compliance information.
For example, changed to pending status, waiting for the buyer to sign, so as to ensure the continued effective electronic certificate.

[0038] As a preferred example, in order to further improve the security of the transaction, the above method may further include: after receiving the fulfilment information, the second Funds-Management server performs identity verification. Such as verify the seller's account or identity information. Wherein, the seller's identity verification information can be achieved by mobile phone dynamic code or by electronic signature. Mobile phone dynamic code is the use of mobile phone as a random password to generate or accept the terminal, mobile phone dynamic code is a one-time effective password security measures, and it can greatly enhance the user authentication or transaction security.

[0039] As another preferred example, in order to prevent the electronic certificate information from being tampered with, the method may also include: verifying the authenticity of the electronic certificate after the second Funds-Management server receives the fulfilment information.

[0040] According to the method for transmitting performance information of an electronic certificate provided in this example of the present invention, the seller timely returns the compliance information after performing the contract, thereby completing the delivery of the compliance information. To ensure the continuous and effective electronic certificate transition to the state, so as to ensure the smooth progress of the transaction.

[0041] Example 2

[0042] As shown in Figure 2, a method for transmitting performance information of an electronic certificate provided in an example of the present invention includes the following steps:

[0043] S201: After receiving the electronic certificate, the second Funds-Management server delivers the certificate information to the seller.

[0044] Specifically, the buyer and the seller conduct transactions through E-commerce, the buyer uses the Client as the buyer, and the seller uses the Client as the seller.
After the buyer orders the seller through the buyer, the buyer opens the request for issuing the electronic certificate and delivers it to the first Funds-Management server. The first Funds-Management server requests for freezing the buyer's account after the second Funds-Management server receives the electronic certificate, it notifies the seller that the seller confirms the order through the seller, and the second Funds-Management server receive electronic certificate, and deliver the receipt information to the seller, that is to inform the seller to deliver commodity or provide services. The manner in which the second Funds-Management server notifies the seller can be performed in various ways, such as dialling the seller's preset phone number or mobile phone, delivering a mail notification to the seller's preset e-mail address, and pushing to the seller-registered software program client message, deliver a SMS notification to the seller's preset mobile number, deliver a QQ message to the seller's preset QQ number, or deliver a message to the vendor's preset Wechat number. So that the seller according to the electronic certificate information delivery commodity or services, electronic certificate into compliance period.

[0045] S202, the seller delivers the fulfilment information to the second Funds-Management server.

[0046] S203: After receiving the fulfilment information, the second Funds-Management server updates the corresponding state of the electronic certificate according to the fulfilment information, and delivers the fulfilment information to the first Funds-Management server.

[0047] S204, the first Funds-Management server updates the corresponding electronic certificate status according to the contract information.

[0048] In this example, the seller submits the performance information to the second Funds-Management server through the seller, and the second Funds-Management server forwards the fulfilment information to the first Funds-Management server so as to complete the delivery of the compliance information. The second Funds-Management server and the first Funds-Management server update the status of the electronic certificate to the next status according to the fulfilment information, so as to ensure the continuous validity of the electronic certificate.

[0049] Example 3

[0050] As shown in Figure 3, a method for transmitting performance information of an electronic certificate provided in an example of the present invention includes the following steps:

[0051] S301: After receiving the electronic certificate, the second Funds-Management server delivers the certificate information to the seller.

[0052] S302: the seller delivers the fulfilment information to the second Funds-Management server and the first Funds-Management server.

[0053] S303. After receiving the fulfilment information, the second Funds-Management server and the first Funds-Management server update the corresponding electronic certificate state according to the fulfilment information.

[0054] To further ensure that the corresponding electronic certificate states in the second Funds-Management server and the first Funds-Management server are the same, the above method may further include: compare whether the updated corresponding state of the electronic certificate in the second Funds-Management server and the first Funds-Management server is the same, if inconsistent, then synchronize the corresponding electronic certificate status and the abnormal delivery of the compliance information is promptly corrected.

[0055] In this example, the seller submits the performance information to the second Funds-Management server and the first Funds-Management server simultaneously through the seller, so as to complete the delivery of the compliance information. The second Funds-Management server and the first Funds-Management server update the status of the electronic certificate to the next status according to the fulfilment information, so as to ensure the continuous validity of the electronic certificate.

[0056] Example 4

[0057] As shown in Figure 4, a method for transmitting performance information of an electronic certificate provided in an example of the present invention is applied to a seller terminal.
The method includes the following steps:

[0058] S401: Receive certified information delivered by the second Funds-Management server.

[0059] S402: The fulfilment information is delivered to the second Funds-Management server and / or the first Funds-Management server.

[0060] Specifically, in order to improve the flexibility of delivery of the fulfilment information, the seller may deliver the fulfilment information to the second Funds-Management server and the first Funds-Management server at the same time or may only deliver the fulfilment information to any one of the Funds- Management server, which is forwarded to another Funds-Management server.

[0061] In this example, the seller submits the compliance information through the seller, so as to complete the delivery of the compliance information and ensure the continuous validity of the electronic certificate.

[0062] Example 5

[0063] As shown in Figure 5, a device for transmitting electronic certificate compliance information provided in an example of the present invention is applied to a seller. The device includes the following modules:

[0064] The receiving module 101 is used to receive the collected information delivered by the second Funds-Management server.

[0065] The delivering module 102 is used to deliver the fulfilment information to the second Funds-Management server and / or the first Funds-Management server.

[0066] In this example, the seller submits the compliance information through the seller, so as to complete the delivery of the compliance information and ensure the continuous validity of the electronic certificate.

[0067] Example 6

[0068] As shown in Figure 6, an example of the present invention provides an electronic certificate compliance information transmission system including:

[0069] The seller end 10 is used to deliver the fulfilment information to the second Funds-Management server and / or the first Funds-Management server.

[0070] The second Funds-Management server20 is used to update the corresponding electronic certificate status according to the fulfilment information after receiving the fulfilment information.

[0071] The first Funds-Management server 30 is used to update the corresponding electronic certificate status according to the fulfilment information after receiving the fulfilment information.

[0072] As a preferred example, in order to improve the flexibility of delivery of fulfilment information, the second Funds-Management server 20 is also used to: when the seller terminal 10 delivers only the fulfilment information to the second Funds-Management server 20, the second Funds- Management server 20 delivers the fulfilment information to the first Funds-Management server 30. The first Funds-Management server 30 is also used to: when the seller terminal 10 delivers only the fulfilment information to the first Funds-Management server 30, the first Funds-Management server 30 delivers the fulfilment information to the second Funds- Management service 20.

[0073] As another preferred example, in order to further improve the security of the transaction.
The second Funds-Management server20 is also used to: after receiving the fulfilment information, perform authentication, for example, verifying the seller's account or identity information. Wherein, the authentication is implemented by mobile phone dynamic code or by electronic signature. Mobile phone dynamic code is the use of mobile phone as a random password to generate or accept the terminal, mobile phone dynamic code is a one-time effective password security measures, and it can greatly enhance the user authentication or transaction security.

[0074] As another preferred example, in order to prevent the electronic certificate information from being tampered with, the second Funds-Management server20 is also set to verify the authenticity of electronic certificate after receiving the performance information.

[0075] It should be noted that, the above method examples, device, and system examples belong to the same technical concept. Therefore, the technical features in the method examples are applicable in both the device examples and the system examples, and are not repeatedly described herein.

[0076] A method, a device and a system for transmitting fulfilment information of an electronic certificate provided by the examples of the present invention enable the seller to timely deliver the performance information so as to complete the transfer of the performance information and to ensure the continuous and effective electronic certificate transition to the state, to ensure the smooth progress of the transaction.

[0077] A person of skill in the art can understand and implement all or parts of steps in the above-mentioned examples that can complete the procedure by controlling relevant hardware, and the said procedure can be stored in a readable storage media of a computer such as ROM/RAM, disk and light disk.

[0078] A person of skill in the art considers the problems disclosed herein and sought to be solved by the present disclosure to be exclusively computer problems and contemplates only solutions to those problems that include essential computer elements. Abstract ideas, mere schemes, plans, rules, or mental processes that do not include computer elements are expressly excluded from this application.

[0079] The preferred examples of the present invention have been described above with reference to the accompanying drawings, which are not to limit the scope of the present invention.
without departing from the scope and spirit of the invention, there are various modifications to realize the example, such as the character of one example may be implemented in another example, and then another example occurs Any modifications, equivalents, and modifications that come within the technical concept of the invention are intended to be within the right scope of the invention.
Industrial utility

[0080] A method, a device and a system for transmitting fulfilment information of an electronic certificate provided by the examples of the present invention enable the seller to timely deliver the performance information through the seller after the contract is fulfilled so as to complete the transfer of the performance information and to ensure the continuous and effective electronic certificate transition to the state, to ensure the smooth progress of the transaction. Therefore, it has industrial applicability.
Date Recue/Date Received 2020-07-02

Claims (46)

Claims:

1. A computer implemented system for transmitting fulfilment information of electronic certificate, the system comprising:
a seller terminal configured to deliver the fulfilment information to a second Funds-Management server and / or a first Funds-Management server for improving flexibility of delivery of the fulfilment information;
the second Funds-Management server configured to update status of an electronic certificate corresponding to the fulfilment information after receiving the fulfilment information, so as to ensure the continuous validity of the electronic certificate; and the first Funds-Management server configured to update status of an electronic certificate corresponding to the fulfilment information after receiving the fulfilment information, so as to ensure the continuous validity of the electronic certificate and frozen funds of the electronic certificate are released to the seller terminal based on conditions of the electronic certificate.

2. The system of claim 1, wherein the second Funds-Management server is further configured to deliver the fulfilment information to the first Funds-Management server when the seller terminal delivers the fulfilment information to the second Funds-Management server only.

3. The system of claim 1, wherein the first Funds-Management server is further configured to deliver the fulfilment information to the second Funds-Management server when the seller terminal delivers the fulfilment information to the first Funds-Management server only.

4. The system of any one of claims 1 to 3, wherein the second Funds-Management server is further configured to perform identity verification after receiving the fulfilment information delivered by the seller terminal.

5. The system of claim 4, wherein the identity verification is implemented by using a dynamic code via a mobile phone.

6. The system of claim 4, wherein the identity verification is implemented by using an electronic signature.

7. The system of any one of claims 1 to 4, wherein the second Funds-Management server is further configured to verify authenticity of the electronic certificate after receiving the fulfilment information.

8. The system of any one of claims 1 to 7, wherein the fulfilment information includes the transaction information.

9. The system of any one of claims 1 to 7, wherein the fulfilment information includes delivery information.

10. The system of claim 9, wherein the fulfilment information includes a logistics number.

11. The system of any one of claims 1 to 10, wherein the first Funds-Management server includes a bank server.

12. The system of any one of claims 1 to 10, wherein the first Funds-Management server includes a financial institution server.

13. The system of any one of claims 1 to 12, wherein the second Funds-Management server includes a bank server.

14. The system of any one of claims 1 to 12, wherein the second Funds-Management server includes a financial institution server.

15. A computer implemented method for transmitting fulfilment information of electronic certificate, the method comprising:
a seller terminal delivers the fulfilment information to a second Funds-Management server and / or a first Funds-Management server for improving flexibility of delivery of the fulfilment information; and the second Funds-Management server and / or the first Funds-Management server updates status of an electronic certificate corresponding to the fulfilment information after receiving the fulfilment information, so as to ensure the continuous validity of the electronic certificate and frozen funds of the electronic certificate are released to the seller terminal based on conditions of the electronic certificate.

16. The method of claim 15 further includes that the second Funds-Management server delivers the fulfilment information to the first Funds-Management server when the seller terminal delivers the fulfilment information to the second Funds-Management server only.

17. The method of claim 15 further includes that the first Funds-Management server delivers the fulfilment information to the second Funds-Management server when the seller delivers the fulfilment information to the first Funds-Management server only.

18. The method of any one of claims 15 to 17 further includes that the second Funds-Management server performs identity verification after receiving the fulfilment information delivered by the seller terminal.

19. The method of claim 18, wherein the identity verification is implemented by using a dynamic code via a mobile phone.

20. The method of claim 18, wherein the identity verification is implemented by using an electronic signature.

21. The method of any one of claims 15 to 18 further includes that the second Funds-Management server verifies authenticity of the electronic certificate after receiving the fulfilment information.

22. The method of any one of claims 15 to 18 further includes comparing whether the updated status of corresponding electronic certificate in the second Funds-Management server and the status of corresponding electronic certificate in the first Funds-Management server are consistent.

23. The method of claim 22 further includes synchronizing the corresponding electronic certificate states to be consistent, where if the status of corresponding electronic certificate are inconsistent.

24. The method of any one of claims 15 to 23, wherein the fulfilment information includes the transaction information.

25. The method of any one of claims 15 to 24, wherein the fulfilment information includes delivery information.

26. The method of claim 25, wherein the fulfilment information includes a logistics number.

27. The method of any one of claims 15 to 26, wherein the first Funds-Management server includes a bank server.

28. The method of any one of claims 15 to 26, wherein the first Funds-Management server includes a financial institution server.

29. The method of any one of claims 15 to 26, wherein the second Funds-Management server includes a bank server.

30. The method of any one of claims 15 to 28, wherein the second Funds-Management server includes a financial institution server.

31. A computer implemented method for transmitting fulfilment information of electronic certificate, applied in a seller terminal, the method comprising:
receiving information for being received electronic certificate delivered by a second Funds-Management server; and delivering the fulfilment information to the second Funds-Management server and / or a first Funds-Management server and frozen funds of the electronic certificate are released to the seller terminal based on conditions of the electronic certificate.

32. The method of claim 31, wherein the fulfilment information includes the transaction information.

33. The method of any one of claims 31 to 32, wherein the fulfilment information includes delivery information.

34. The method of claim 33, wherein the fulfilment information includes a logistics number.

35. The method of any one of claims 31 to 34, wherein the first Funds-Management server includes a bank server.

36. The method of any one of claims 31 to 34, wherein the first Funds-Management server includes a financial institution server.

37. The method of any one of claims 31 to 36, wherein the second Funds-Management server includes a bank server.

38. The method of any one of claims 31 to 36, wherein the second Funds-Management server includes a financial institution server.

39. A computer device for transmitting fulfilment information of electronic certificate, the device comprising:
a receiving module configured to receive information for being received electronic certificate delivered by a second Funds-Management server; and a delivering module configured to deliver fulfilment information to the second Funds-Management server and / or a first Funds-Management server and frozen funds of the electronic certificate are released to the seller terminal based on conditions of the electronic certificate.

40. The device of claim 39, wherein the fulfilment information includes the transaction information.

41. The device of any one of claims 39 to 40, wherein the fulfilment information includes delivery information.

42. The device of claim 41, wherein the fulfilment information includes a logistics number.

43. The device of any one of claims 39 to 42, wherein the first Funds-Management server includes a bank server.

44. The device of any one of claims 39 to 42, wherein the first Funds-Management server includes a financial institution server.

45. The device of any one of claims 39 to 44, wherein the second Funds-Management server includes a bank server.

46. The device of any one of claims 39 to 44, wherein the second Funds-Management server includes a financial institution server.