CA2994575A1 - Method, device, and system for receiving certificate - Google Patents

Abstract

The present invention is applicable in the field of online payment. Provided are a method, device, and system for receiving a certificate. The method comprises the following steps: receiving a certificate receiving request and identity information transmitted by a seller end, where the certificate receiving request comprises electronic certificate information; verifying the identity information of the seller end; and receiving an electronic certificate upon successful verification. Provided in the present invention, the method, device, and system for receiving a certificate simplify a payment process.

Description

Title: Method, Device, And System For Receiving Certificate Technical Field [0001] The present invention belongs to the field of network payment technology, and in particular, to a collection method, device, and device.
Background Technology

[0002] The traditional online payment tools, such as online banking, third-party payment, issued by the payment to the bank or payment agency transfer payment instructions, payment from the payer's account to the payer's account specified by the payer, they do not have the collection process of the receiving party, the payee bank or payment agency is credited to the payee account only after receiving the payment from the payment agency.

[0003] In the above payment instrument, the payment is initiated by the payer, and the payer must obtain the complete and accurate account information of the payer to make the payment, and once the payer has mistaken the payment object or the amount, the fund will be irreparably payable to wrong accounts, the cost of retrieving or recovering funds is prohibitively expensive, while also causing problems for the payee who returns unjust enrichment.
Technical problem

[0004] An example of the present invention aims to provide a method and device for receiving a certificate, so as to solve the problem that the existing network payment needs to provide complete account information to pay for the inefficiency.
Problem solving solution Technical solutions

[0005] The example of the present invention is implemented, a certificate collection method Generates a notification of receipt of a certificate of acceptance and delivers it to the corresponding seller terminal for confirmation by the seller of the receipt card; is used for second Funds-Management server, and the method includes the following steps:

[0006] Receives the seller's request and identity information delivered by the seller; the certificate request includes electronic certificate information;

[0007] Verifying the seller's identity information;

[0008] When the verification received electronic certificate.

[0009] Further, the receiving electronic certificate specifically includes:

[0010] Related to the seller's identity information and electronic certificate;

[0011] The status of the electronic certificate is updated.

[0012] Further, after receiving the electronic certificate, the method further includes:

[0013] Generate a receipt notification, and delivered to the first Funds-Management server.

[0014] Further, after receiving the electronic certificate, the method further includes:

[0015] Delivers a notification of opening an account to the seller.

[0016] Further, the method also includes:

[0017] The second Funds-Management server verifies the authenticity of the electronic certificate.

[0018] The present invention also provides a certificate collection device for a second Funds-Management server, including:

[0019] A receiving module is set to receive the seller's request and identity information delivered by the seller; the certificate request includes electronic certificate information;

[0020] A verification module is set to verify the seller's identity information;

[0021] Receiving module is set to receive electronic certificate when authentication passes.

[0022] Further, the collection module includes:

[0023] An association unit is set to associate the seller's identity information with an electronic certificate;

[0024] An updating unit is set to update the state of the electronic certificate as received.

[0025] Further, further including:

[0026] The first notification module is used to generate a received certificate and deliver it to the first Funds-Management server.

[0027] Further, the device also includes:

[0028] The second notification module is used to deliver a notification of opening an account to the seller.

[0029] Further, the second Funds-Management server further includes:

[0030] Verification module is set to verify the authenticity of the electronic certificate.

[0031] The present invention also provides a collection system, including a second Funds-Management server and the seller terminal; wherein,

[0032] The seller terminal is used to generate an issuing request according to an issuing notice delivered by the buyer terminal, and deliver the issuing request and the seller-side identity information to the second Funds-Management server; and the issuing request includes electronic certificate information;

[0033] The second Funds-Management server is used to verify the identity information of the seller; and receive a Bank Credit Certificate electronic certificate when the verification is successful, and deliver a receipt notification to the first Funds-Management server.
The beneficial effect of the invention Beneficial effect

[0034] The method, device and system for receiving electronic stamps according to the examples of the present invention are applied to the electronic certificate payment activities. The second Funds-Management server receives the certificate according to the seller's identity information. When the seller's identity information is correct, complete payment without the need to pay the account information, simplifying the payment process and improve the efficiency of collection.
A brief description of the drawings Brief Description

[0035] Figure 1 is a flowchart of a collection method provided by the first example of the present invention;

[0036] Figure 2 is a second example of the present invention provides a collection device structure diagram;

[0037] Picture 3 is another structural diagram of a collection device provided in a second example of the present invention;

[0038] Figure 4 is the invention claims a second example of the receiving device in the receiving module the structure of;

[0039] Figure 5 is a structural diagram of a collection system of the present invention.
Examples of the Invention Implementation pattern of the present invention

[0040] In order to make the purpose, the technical solution and advantages of the invention more clearly understood, the following explanations further explain the invention according to the attached drawings and examples. It should be understood that the specific example described herein are merely to illustrative the invention and is not intend to limit the invention.

[0041] The electronic certificate involved in the present invention refers to the issuer (the buyer terminal) with its bank account funds or credit lines as a guarantee opened, the bank (the first Funds-Management server) committed to pay in accordance with the conditions of payment settlement of electronic credit certificate. The electronic certificate is mainly for buyer's commodity. The sellers (seller's terminal) download the checkout interface, and the buyer finishes the electronic certificate issuance. The seller completes the receipt and performance, applies for the solution, and the bank decides to fulfil the settlement conditions after the implementation of the solution to pay. The electronic certificate can be purchased not only for commodities, but also for collateral. For example, an individual may issue a letter of credit to a bank as a guarantee for the loan to others.

[0042] In this example of the present invention, the basic business process of the electronic certificate is: Funds management institution establish electronic certificate in accordance with the amount of funds required to freeze the applicant's application, when agreed to meet the conditions for the settlement, the fund management institution will be paid to settle payment settlement. Details as follows:

[0043] 1. After the transaction body to form an order, the issuer (such as the buyer) applies for issuing the certificate to the issuing institution (i.e, the fund management institution that opens an electronic certificate, such as an issuing bank). (Of course, the issuer can apply for issuing a certificate when forming a specific transaction order, or the issuer can voluntarily apply for issuing a certificate when the transaction order is not formed.)

[0044] 2. After the issuing agency accepts, open electronic certificate and freeze the corresponding amount of funds or credit line.

[0045] 3. The recipient (such as the seller) apply to the receiving authority (such as the receiving bank) for a certificate.

[0046] 4. After the certification body to verify the information to be certified, electronic certificate enters into the compliance period, and the certificate collector performs the performance (for example, the merchant delivers the commodity and can be regarded as performing the contract).

[0047] 5. After receiving the certificate of compliance, the electronic certificate to obtain compliance information, change the status of the Bank Credit Certificate, electronic certificate into the receipt period, waiting for the delivery of commodity, and receive the commodity.

[0048] 6. When the issuer to sign the commodity, that is the after receiving the transaction conditions of electronic certificate according to the payment terms of electronic certificate, the receiving issuing apply to the issuing agency for payment.

[0049] 7. Issuing agency discharges the funds from the opening of the account, transfer the funds to the collection agencies, collection agencies will transfer funds to the collector's account.

[0050] 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.

[0051] 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.

[0052] The present invention relates to the buyer side (the issuer holds the terminal); seller side (recipient, refers to the issuer to accept the electronic certificate under the terminal of the funds); the first Funds-Management server (issuing bank) accept the request of the issuer (buyer), open the electronic certificate according to the information provided and confirmed; the second Funds-Management server (accept the bank), accept the request of the certificate collector, and receive the electronic certificate according to the information provided and confirmed.

[0053]

[0054] Example 1

[0055] As shown in Figure 1, a certificate collection method provided in the first example of the present invention includes the following steps:

[0056] Si: the second Funds-Management server receives the certificate collection request and the identity information delivered by the seller. The certificate collection request includes the electronic certificate information.

[0057] After both parties form an order, the buyer applies for issuing the certificate to the first Funds-Management server. After the first Funds-Management server is accepted by the issuing bank, an electronic certificate is opened and the corresponding amount of funds or credit limit is frozen. After receiving the issuing certificate of the opened electronic certificate, the seller terminal generates a certificate collection request and delivers the certificate collection request and the seller's identity information to the second Funds-Management server.

[0058] S2, Verify the seller's identity information. The second Funds-Management server verifies the received identity information, and the second Funds-Management server can compare the identity information of the seller terminal pre-stored by the local terminal with the identity information received, and when the comparison is consistent, the verification is passed. The above identity information may be the only information such as the identity card number, social security number and photo of the recipient.

[0059] S3, when the verification is passed, the electronic certificate is received. The second Funds-Management server receives the certificate after the verification is passed and no need to verify the account information. Further, the second Funds-Management server verifies the authenticity of the received electronic certificate, and the second Funds-Management server may deliver the verification request to the first Funds-Management server; or verify the electronic signature of the electronic certificate to verify electronic certificate. The second Funds-Management server receiving the electronic certificate is actually the seller providing the receiving account or identity to the receiving bank and informing the second Funds-Management server of the electronic certificate information corresponding to the receiving account or identity, after the second Funds-Management server verifies, the electronic certificate is registered in the account or identity of a seller corresponding to the seller, the associated seller and the electronic certificate, the second Funds-Management server updates the status of the electronic certificate as received.

[0060] Further, after the second Funds-Management server receives the certificate, the second Funds-Management server may generate the received certificate and deliver it to the first Funds-Management server.

[0061] Further, after the second Funds-Management server receives the certificate, the second Funds-Management server also delivers a notification of opening an account to the seller.

[0062] Thereafter, the electronic certificate enters into the compliance period, and the certificate collector performs the performance (such as merchants to deliver commodity).
After receiving the certificate of compliance, the electronic certificate to obtain compliance information, change the status of the Bank Credit Certificate, electronic certificate into the receipt period, (waiting for the delivery of commodity, and receive the commodity). After the issuer signs the commodity, the second Funds-Management server is entrusted to apply for payment by the second Funds-Management server after the issuer completes the transaction condition of the buyer by the electronic certificate according to the settlement condition of the electronic certificate. First Funds-Management server lifted the funds for the opening of the issuer account, transfer funds to the second Funds-Management server, and the second Funds-Management server transfer funds to the receiving account.
Therefore, in practice, the performance and receipt can be omitted. When the fulfilment and receipt are omitted, the first Funds-Management server receives the received notification of the second Funds-Management server, directly transfer of funds to the second Funds-Management server.

[0063] The method for receiving electronic stamps according to the examples of the present invention are applied to the electronic certificate payment activities. The second Funds-Management server receives the certificate according to the seller's identity information. When the seller's identity information is correct, complete payment without the need to pay the account information, simplifying the payment process.

[0064] Example 2

[0065] The second example of the present invention provides a collection device for a second Funds-Management server. As shown in Figure 2, the second Funds-Management server in Example 2 of the present invention includes:

[0066] The receiving module 10 is used to receive a certificate collection request and identity information delivered by the seller terminal; the certificate collection request includes an electronic certificate;

[0067] The verification module 20 is used to verify the seller's identity information;

[0068] The receiving module 30 is used to receive the electronic certificate when the verification passes.

[0069] As shown in Figure 3, the device in Example 2 of the present invention may further include:

[0070] The verification module 40 is used to verify the authenticity of the electronic certificate.

[0071] The first notification module 50 is used to generate a received certificate and deliver it to the first Funds-Management server.

[0072] The second notification module 60 may be set to deliver a notification of opening an account to the seller.

[0073] As shown in Figure 4, the collection module 30 includes:

[0074] Association unit 31 is set to associate with the seller's identity information and electronic certificate;

[0075] The updating unit 32 is used to update the status of the electronic certificate as received.

[0076] Specifically, after the two parties have formed the order, the buyer applies for issuing the certificate to the first Funds-Management server. After the first Funds-Management server is accepted by the issuing bank, an electronic certificate is opened and the corresponding amount of funds or credit limit is frozen. After receiving the issuing certificate of the opened electronic certificate, the seller side generates a certificate collection request and delivers the certificate collection request and the seller's identity information to the receiving module 10 of the second Funds-Management server.

[0077] The verification module 20 verifies the received identity information, the verification module 20 may compare the identity information of the seller terminal pre-stored by the local terminal with the received identity information, and if the comparison is consistent, the verification is passed. The above identity information may be the only information such as the identity card number, social security number and photo of the recipient.

[0078] When the verification passes, the receiving module 30 receives the electronic certificate.
The receiving module 30 receives the electronic certificate, in fact, the seller provides the receiving account or identity to the receiving bank, and informs the second Funds-Management server of the electronic certificate information corresponding to the receiving account or identity. After verifying the seller's identity, The association unit 31 updates the status of the electronic certificate to the certificate received by the updating unit 32 when the electronic certificate is registered at the seller's account or identity corresponding to the seller. The receiving module 20 receiving the electronic certificate is actually the seller providing the receiving account or identity to the receiving bank and informing the second Funds-Management server of the electronic certificate information corresponding to the receiving account or identity. After verifying the seller's identity, the associating unit 21 updates the status of the electronic certificate to the validated account by using the account or identity of the certificate collector corresponding to the seller terminal of the electronic certificate. The updating unit 22 updates the status of the electronic certificate as the received certificate.

[0079] After the identity verification module 30 receives the certificate, the verification module 30 does not need to verify the account information again.

[0080] Further, the verification module 40 verifies the authenticity of the received electronic certificate, the verification module 40 may deliver the verification request to the first Funds-Management server, or verify the electronic signature of the electronic certificate to verify the electronic certificate.

[0081] Further, after the certificate receiving module 30 receives the certificate, the first notification module 50 may further generate a certificate receiving notification and deliver the certificate to the first Funds-Management server.

[0082] Further, after the certificate receiving module 30 receives the certificate, the second notification module 60 also delivers a notification of opening an account to the seller.

[0083] Thereafter, the electronic certificate enters into the compliance period, and the certificate collector performs the performance (such as merchants to deliver commodity).
After receiving the certificate of compliance, the electronic certificate to obtain compliance information, change the status of the Bank Credit Certificate, electronic certificate into the receipt period, (waiting for the delivery of commodity, and receive the commodity). After the issuer signs the commodity, the second Funds-Management server is entrusted to apply for payment by the second Funds-Management server after the issuer completes the transaction condition of the buyer by the electronic certificate according to the settlement condition of the electronic certificate. First Funds-Management server lifted the funds for the opening of the issuer account, transfer funds to the second Funds-Management server, and the second Funds-Management server transfer funds to the receiving account.
Therefore, in practice, the performance and receipt can be omitted. When the fulfilment and receipt are omitted, the first Funds-Management server receives the received notification of the second Funds-Management server, directly transfer of funds to the =

second Funds-Management server.

[0084] The second Funds-Management server for electronic certificate according to the example of the present invention is applied to the payment activity of electronic certificate.
According to the seller's identity information to collect the card, when the seller's party of the identity information is correct when the card directly without having to pay the account information to complete payment, simplifying the payment process.

[0085] Example 3

[0086] A third example of the present invention provides a system for receiving a certificate. As shown in Figure 5, the system includes a second Funds-Management server 200 and a seller 400,

[0087] The seller terminal 400 is used to generate an issuing request according to an issuing notice delivered by the buyer terminal, and deliver the issuing request and the seller-side identity information to the second Funds-Management server 200; and the issuing request includes electronic certificate information;

[0088] The second Funds-Management server 200 is used to verify the identity information of the seller 400; and receive a Bank Credit Certificate electronic certificate when the verification is successful, and deliver a receipt notification to the first Funds-Management server.

[0089]

[0090] The foregoing is merely a preferred example of the present invention and is not intended to limit the invention, and any modifications, equivalent substitutions and improvements within the spirit and principles of the invention are intended to be included in the scope of the invention.
Industrial utility

[0091] The method, device and system for receiving electronic stamps according to the examples of the present invention are applied to the electronic certificate payment activities. The second Funds-Management server receives the certificate according to the seller's identity information. When the seller's identity information is correct, complete payment without the need to pay the account information, simplifying the payment process and improve the efficiency of collection. Therefore, it has industrial applicability.

Claims (11)

The Claims

1. A collection method applied to a second Funds-Management server, wherein the method comprises the following steps:
Receives the seller's request and identity information delivered by the seller; the certificate request includes electronic certificate information;
Verify the seller's identity information;
Receive electronic certificate when verification passes.

2. According to the receiving method in Claim 1, wherein after the receiving the electronic certificate, the method also includes:
Related to the seller's identity information and electronic certificate;
The status of the electronic certificate is updated.

3. According to the receiving method in Claim 1, wherein after the receiving the electronic certificate, the method also includes:
Generate a receipt notification and deliver it to the first Funds-Management server.

4. According to the receiving method in Claim 3, wherein after the receiving the electronic certificate, the method also includes:
Deliver a notice to the seller to set up an account.

5. The collection method according to any one of claims 1 to 4, wherein the method also includes:
The second Funds-Management server verifies the authenticity of the electronic certificate.

6. A collection device for the second Funds-Management server, including:
A receiving module is set to receive the seller's request and identity information delivered by the seller; the certificate request includes electronic certificate information;
A verification module is set to verify the seller's identity information;
Receiving module is set to receive electronic certificate when authentication passes.

7. According to the issuing collection device in Claim 6, wherein the receipt module includes:
An association unit is set to associate the seller's identity information with an electronic certificate;
An updating unit is used to update the status of the electronic certificate as received.

8. According to the issuing device in any one of claims 6, wherein, it also includes:
The first notification module is used to generate a received certificate and deliver it to the first Funds-Management server.

9. According to the issuing device in any one of claims 8, wherein, it also includes:
The second notification module is used to deliver a notification of opening an account to the seller.

10. According to the collection device in any one of claims 6 to 8, wherein the second Funds-Management server also includes:
The verification module is used to verify the authenticity of the electronic certificate.

11. A collection system, including a second Funds-Management server and a seller terminal, wherein, The seller terminal is used to generate an issuing request according to an issuing notice delivered by the buyer terminal, and deliver the issuing request and the seller-side identity information to the second Funds-Management server; and the issuing request includes electronic certificate information;
The second Funds-Management server is used to verify the identity information of the seller; and receive a Bank Credit Certificate electronic certificate when the verification is successful, and deliver a receipt notification to the first Funds-Management server.