CA2994576A1

CA2994576A1 - Electronic certificate payment method, system and device

Info

Publication number: CA2994576A1
Application number: CA2994576A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Anticipated expiration: 2035-07-21
Also published as: CA2994576C; WO2017012055A1

Abstract

An electronic certificate payment method, system and device, the method comprising the steps of: a second funds management server receives a payment application sent by a payment application end, and sends the payment application to a first funds management server (S12); the first funds management server starts to perform a payment with regard to an electronic certificate according to the payment application (S13); within a payment process, the second funds management server receives a payment amount reduction request sent by the payment application end, and sends the payment amount reduction request to the first funds management server (S15); the first funds management server updates a payment amount of the electronic certificate according to the payment amount reduction request (S16), and performs the payment with regard to the electronic certificate according to the updated payment amount (S17). The payment is performed via the electronic certificate, reducing the transaction risk. In addition, a payment amount reduction may be submitted at any time within an electronic certificate payment process without it being necessary to open a new electronic certificate again, thereby increasing the flexibility and convenience of the electronic certificate payment, and increasing payment efficiency.

Description

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Electronic Certificate Payment Method, System And Device Technical Field [0001] The present invention relates to the field of network payment technology, and in particular, to an electronic certificate solution payment method, system, and device.
Background Technology

[0002] Payment refers to payment of money produced on the basis of economic contracts in the business activities. At present, many banks or enterprises have provided a network of payment services, allowing users to operate computers, mobile phones and other terminal equipment to achieve network payment, the way of the network payment provides users with a great convenience. In the existing network payment methods, most of the funds in the bank card are allocated directly to the other's account, or to the third party organizations as security.

[0003] The traditional way of online payment, after the buyer's money order is issued, the funds will be transferred directly, the following situations often occur: the buyer has not received the commodity or services provided by the merchant, and its funds have been paid to the seller by the bank or the third party organization; or after the seller offers the commodity or services, the buyer is unable to pay the corresponding funds. Or the buyer transfers the money to the wrong account. At this stage there is a certain risk of online payment transactions, which cannot guarantee the interests of both buyers and sellers.
Technical problem

[0004] The main object of the present invention is to provide a method, system and device for electronic certificate settlement, aimed at reducing transaction risk, improve the flexibility and convenience of electronic certificate settlement, and improve the efficiency of solution.
Problem solving solution Technical solutions

[0005] In order to achieve the above object, the present invention provides a method for electronic certificate payment, including the following steps:

[0006] The second Funds-Management server receives the settlement application delivered by the settlement application and delivers it to the first Funds-Management server;

[0007] The first Funds-Management server according to the settlement application to begin electronic certificate solution;

[0008] During the process of settlement, the second Funds-Management server receives the settlement reduction request delivered by the settlement commissioner and delivers the request to the first Funds-Management server;

[0009] The first Funds-Management server updates the settlement amount of the electronic certificate according to the reduction settlement amount request, and pays the electronic certificate according to the updated settlement amount.

[0010] The present invention also proposes an electronic certificate solution payment method, applied to the first Funds-Management server, including the following steps:

[0011] According to the payment application delivered by the second Funds-Management server, the payment of electronic certificate is started.

[0012] In the settlement process, receiving the reduced amount of payment request delivered by the second Funds-Management server, according to the reduction of settlement amount request to update the settlement amount of the electronic certificate;

[0013] The electronic certificate is paid according to the updated settlement amount.

[0014] The present invention also proposes an electronic certificate solution payment method, applied to a second Funds-Management server, including the following steps:

[0015] Receives the settlement application delivered by the delivering terminal application and delivered to the first Funds-Management server;

[0016] The reduction payment request delivered by the payment application is received and delivered to the first Funds-Management server.

[0017] The present invention also proposes an electronic certificate settlement system, including the payment application terminal, a first Funds-Management server and a second Funds-Management server, wherein:

[0018] The settlement application terminal is used to deliver a settlement application to the second Funds-Management server, and deliver a reduction settlement amount request to the second Funds-Management server during the settlement process;

[0019] The second Funds-Management server is used to receive the settlement request and the reduction settlement amount request and deliver the request to the first Funds-Management server;

[0020] The first Funds-Management server is used to start the solution payment of the electronic certificate according to the settlement application, and receive the request for reducing the settlement amount during the settlement process, and according to the reduced payment amount request, the amount of the electronic certificate is updated, and the electronic certificate is repaid according to the updated amount of the payment.

[0021] The present invention also proposes an electronic certificate solution payment device, applied to the first Funds-Management server, including:

[0022] Electronic certificate solution module is set to start to solve the electronic certificate according to the settlement application delivered by the second Funds-Management server;

[0023] The settlement amount updating module is used to: during the settlement process, receive a settlement reduction amount request delivered by the second Funds-Management server and update the settlement amount of the electronic certificate according to the reduction settlement amount request;

[0024] The electronic certificate settlement module is also used to: in the settlement process of payment, when the amount of payment is updated, the electronic certificate is paid according to the amount of payment after the update.

[0025] The present invention also provides an electronic certificate solution payment device, which is applied to a second Funds-Management server, including:

[0026] Solution payment application module is used to receive the settlement application delivered to the terminal of the application and delivered to the first Funds-Management server;

[0027] The reduction in payment amount request module is used to receive the reduction payment amount request delivered by the settlement commissioner and deliver the reduction payment amount request to the first Funds-Management server.
The beneficial effect of the invention Beneficial effect

[0028] The present invention provides an electronic certificate settlement method, system and device, on the one hand, it reducing the transaction risk by electronic certificate payment;
the other hand, during the settlement process of electronic certificate, it is proposed to reduce the settlement amount at any time without having to re-open a new electronic certificate, which improves the flexibility and convenience of electronic certificate settlement and improves the efficiency of solution.
A brief description of the drawings Brief Description

[0029] Figure 1 is a flow chart of the first example of the electronic certificate solution payment method of the present invention;

[0030] Figure 2 is an interactive schematic diagram of each subject when the electronic certificate is unloaded in the example of the present invention;

[0031] Figure 3 is a flowchart of the second example of the electronic certificate solution payment method of the present invention;

[0032] Figure 4 is a flow chart of the electronic certificate solution payment method of the third example of the present invention;

[0033] Figure 5 is a block diagram of the first example of the electronic certificate solution payment system of the present invention;

[0034] Figure 6 is a block diagram of an example of the electronic certificate settlement device of the present invention.

[0035] Figure 7 is a schematic view of a second example of an electronic certificate solution deliverer of the present invention.

[0036] The realization of the object of the present invention, features and advantages of the present invention will be further described with reference to the accompanying drawings.
Examples of the Invention Implementation pattern of the present invention

[0037] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.

[0038] In the examples of the present invention, the Funds-Management server is a server of the funds management institution and the funds management institution refers to an organization capable of supporting the flow of funds, including but not limited to banks and other financial institutions (such as securities institutions, third-party payment platforms etc.), that is, Funds-Management server includes a bank server or other financial institution server.

[0039] In this example of the present invention, an electronic certificate refers to a payment certificate of electronic (Funds-Management server) that is opened on the application of a licensee to freeze funds or credit lines and is opened in the name of a fund management institution and commit to settle the payment credit of electronic credit commitment according to the agreed conditions.

[0040] In the example of the present invention, the issuer (usually the buyer) is the entity applying for the establishment of the electronic certificate to the fund management institution, which may be a natural person, a legal person or other organization, and the issuer is the terminal held by the issuer.

[0041] In this example of the present invention, the solution of electronic certificate means that after the issuing institution (such as a issuing bank) receives the payment application and confirms that the payment conditions are met, transfer funds associated with the electronic certificate to a collection agency (such as a collecting bank).

[0042] In the example of the present invention, the payment applicant is the entity that applies for payment to the issuing institution, which may be the card issuer (usually the seller) or another authorized third party, and the payment application is the terminal that the applicant holds.

[0043] 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:

[0044] 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.)

[0045] 2. After the issuing agency accepts, open electronic certificate and freeze the corresponding amount of funds or credit line.

[0046] 3. The recipient (such as the seller) apply to the receiving authority (such as the receiving bank) for a certificate.

[0047] 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).

[0048] 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.

[0049] 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 applicant apply to the issuing agency for payment.

[0050] 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.

[0051] 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.

[0052] 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 = WO

the solution, such as face-to-face transactions.

[0053] In the following, the opening procedure of the electronic certificate will be described in detail through specific examples.

[0054] Please refer to Figure land Figure 2, the first example of the present invention electronic certificate solution payment method, the method includes the following steps:

[0055] S11, the payment application delivers the payment application to the second Funds-Management server.

[0056] In this step S11, when agreed payment conditions are reached, the solution payment application terminal logs into the corresponding web page or opens the corresponding application to the second Funds-Management server to submit the application for settlement of electronic certificate information. The settlement application includes a full settlement application and partial settlement application.

[0057] S12, the second Funds-Management server receives the payment request and delivers it to the first Funds-Management server.

[0058] In step S12, after receiving the information for applying for the electronic certificate, deliver the application information for settlement of the electronic certificate to the first Funds-Management server (i.e., the issuing bank such as the issuing bank's server).

[0059] S13. The first Funds-Management server according to the settlement application to begin electronic certificate solution;

[0060] In this step S13, after receiving the information for applying for settlement of the electronic certificate, the first Funds-Management server verifies the settlement application and executes the electronic certificate settlement process.

[0061] Specifically, it includes verifying whether the payment condition is satisfied, verifying whether the electronic certificate corresponding to the solution payment application is invalid, whether the electronic certificate has been settled, and so on. When the verification is passed, the electronic certificate is released. Otherwise, the application is refused and the corresponding information is returned to the second Funds-Management server.
For example, when the electronic certificate has expired, the second Funds-Management server delivers the information that the electronic certificate has expired. When the electronic certificate has been paid, the second Funds-Management server is delivered the information that the electronic certificate has been paid.

[0062] S14. During the process of settlement, the settlement application delivers a request to reduce the settlement amount to the second Funds-Management server.

[0063] During the process of settlement, before the settlement is completed, the settlement applicant can submit a request for reducing the settlement amount to the second WO 2017/012055 PCl/CN2015/084651 Funds-Management server at any time by logging in to the corresponding web page or opening the corresponding application.

[0064] In the present invention, reduce the amount of payment, including three cases: when the payment application for the full payment, reduce the total amount of funds to be fully paid:
When the application for payment is partially settled, the proportion of the payment of the partial payment is reduced; when the solution payment application for the full payment, the full settlement will be changed to partial settlement, this time only solution part of the funds.

[0065] S15, the second Funds-Management server receives the payment reduction request and delivers it to the first Funds-Management server.

[0066] S16. The first Funds-Management server updates the settlement amount of the electronic certificate according to the request for reducing the settlement amount.

[0067] In step S16, after receiving the request for reducing the settlement amount, the first Funds-Management server changes the original settlement amount if the settlement has not been completed yet, updates the settlement amount of the electronic certificate, and delivers the update information to the second Funds-Management server. The second Funds-Management server synchronizes the payment amount.

[0068] S17, the first Funds-Management server solves the electronic certificate according to the updated settlement amount.

[0069] In step S17, the first Funds-Management server pay the electronic certificate according to the updated settlement amount, and updates the state of the electronic certificate when payment is completed, and delivers the update information to the second Funds-Management server, and the second Funds-Management server synchronously updates the status of the electronic certificate. For example, when this solution is paid in full, the status of the electronic certificate is updated as solved. When this solution is partially paid, the status of the electronic certificate is updated as partial settlement and updated the amount to be settled.

[0070] For example, the payment application terminal submits a full application for electronic certificate to the first Funds-Management server through the second Funds-Management server. The original solution of the electronic certificate is 1 million, and in the electronic certificate process and before the settlement process is completed, the settlement application client submits a request for reducing the settlement amount to 800,000 to the first Funds-Management server through the second Funds-Management server.
After the first Funds-Management server receives the request, updated the electronic certificate settlement amount of 800,000, and in accordance with the solution of 800,000 to the electronic certificate solution payment. After the settlement of the electronic certificate is completed, the first Funds-Management server will transfer the 800,000 funds disbursed to the second Funds-Management server. The remaining 200,000 funds will be ready for use in the issuing account (i.e., the guarantee account designated by the issuer) when the full settlement payment is changed to partial settlement, the remaining 600,000 of funds will continue to be frozen as funds to be paid next time); the second Funds-Management server will receive 800,000 transfers into the credit card account (the recipient designated recipient account).

[0071] In another example, the solution payment application terminal submits a partial settlement request for the electronic certificate to the first Funds-Management server through the second Funds-Management server. The original solution payment ratio is 80% of the total amount of the funds. In the process, before the settlement is completed, the settlement application server makes a request to the first Funds-Management server through the second Funds-Management server to reduce the settlement amount to 50% of the total funds. After receiving the request, the first Funds-Management server, the amount of the solution of updating the electronic certificate shall be 50% of the total amount of the funds, and the electronic certificate shall be settled according to the settlement amount of 50% of the total amount of the funds. After the settlement of the electronic certificate is completed, the first Funds-Management server will transfer the funds disbursed to the second Funds-Management server, and the remaining funds will continue to freeze in the issuing account. The second Funds-Management server will receive the settlement of funds transferred to the collection account.

[0072] Figure 3, a solution of the second example of the electronic certificate payment method of the present invention is proposed. The method of this example is applied to the foregoing first Funds-Management server. The method includes the following steps:

[0073] S21, according to the payment application delivered by the second Funds-Management server, the payment of electronic certificate is started.

[0074] In step S21, after the first Funds-Management server receives the information for applying for settlement of the electronic certificate, the first Funds-Management server verifies the settlement application and executes the electronic certificate settlement process. The settlement application includes a full settlement application and partial settlement application.

[0075] Specifically, it includes verifying whether the payment condition is satisfied, verifying whether the electronic certificate corresponding to the solution payment application is invalid, whether the electronic certificate has been settled, and so on. When the verification is passed, the electronic certificate is released. Otherwise, the application is refused and the corresponding information is returned to the second Funds-Management server.
For example, when the electronic certificate has expired, the second Funds-Management server delivers the information that the electronic certificate has expired. When the electronic certificate has been paid, the second Funds-Management server is delivered the information that the electronic certificate has been paid.

[0076] S22. In the settlement process, receiving the reduced amount of payment request delivered by the second Funds-Management server, according to the reduction of settlement amount request to update the settlement amount of the electronic certificate.

[0077] In step S22, after receiving the request for reducing the settlement amount, the first Funds-Management server changes the original settlement amount if the settlement has not been completed yet, updates the settlement amount of the electronic certificate, and delivers the update information to the second Funds-Management server.

[0078] S23, electronic certificate is unpaid according to the updated amount of payment.

[0079] In step S23, the first Funds-Management server processes the electronic certificate according to the updated settlement amount. After the payment is completed, the state of the electronic certificate is updated and the updated information is delivered to Second Funds-Management server. For example, when this solution is paid in full, the status of the electronic certificate is updated as solved. When this solution is partially paid, the status of the electronic certificate is updated as partial settlement and updated the amount to be settled.

[0080] In the example of the present invention, the solution to the electronic certificate is actually that the first Funds-Management server allocates the frozen amount to be cleared from the issuer name to the dedicated account of the first Funds-Management server (Funding is still the first Funds-Management server). After the solution is settled, the first Funds-Management server will allocate the solution funds to the second Funds-Management server.

[0081] Please refer to Figure 4, a third example of the electronic certificate payment method of the present invention is proposed. The method of this example is applied to the foregoing second Funds-Management server. The method includes the following steps:

[0082] S31, receiving the solution payment request delivered by the solution payment application and delivering the solution payment application to the first Funds-Management server.

[0083] S32, receiving the payment settlement request delivered by the settlement application terminal and delivering the payment settlement request to the first Funds-Management server.

WO 2017/012055 PC'f/CN2015/084651

[0084] In the foregoing example, only once proposed to reduce the payment of the settlement request, in fact, in the settlement process, before the completion of the settlement, it can raise two or more times to change the settlement request.

[0085] Thus, the electronic certificate settlement method of the present invention, on the one hand, by electronic certificate payment, reducing the transaction risk; the other hand, in the electronic certificate settlement process, it can at any time proposed to reduce the payment amount, without re- opening of a new electronic certificate improves the flexibility and convenience of electronic certificate solution and improves the efficiency of solution delivery.

[0086] Please refer to Figure 5, an electronic certificate solution payment system according to an example of the present invention is proposed. The system includes a payment application terminal, a first Funds-Management server, and a second Funds-Management server.

[0087] Settlement application terminal: it set to deliver a settlement application to the second Funds-Management server, and deliver a request for reducing the settlement amount to the second Funds-Management server during the settlement process.

[0088] The second Funds-Management server: set to receive a settlement application and reduce the settlement amount request and delivered to the first Funds-Management server.

[0089] The first Funds-Management server: set to be based on the solution to apply for electronic certificate solution to pay, in the settlement process, to receive a request to reduce the settlement amount, according to the reduction of the settlement amount request to update the amount of the settlement of the electronic certificate. And solve the electronic certificate according to the updated settlement amount.

[0090] The system for providing an electronic certificate provided by the above example belongs to the same concept as the method example for an electronic certificate. For the specific implementation process, refer to the method example for details. The technical characteristics of the method are applicable in the system implementation cases.

[0091] Please refer to Figure 6, a first example of an electronic certificate solution deliverer according to the present invention is proposed. The device in this example is applied to the foregoing first Funds-Management server. The device includes the following modules:

[0092] Electronic certificate solution module: set to receive the second Funds-Management server delivered payment application, according to the solution to apply for electronic certificate to start payment solution. Wherein, the settlement application includes a full payment application and partial payment application.

[0093] Settlement amount update module: set to receive payment during the settlement process, the second Funds-Management server to deliver a request to reduce the settlement amount, according to reduce the settlement amount request to update the settlement amount of the electronic certificate.

[0094] Specifically, after the settlement payment updating module receives the request for reducing the settlement payment, if the settlement has not been completed yet, the original settlement amount is changed, the settlement amount of the electronic certificate is updated, and it can also deliver updates to the second Funds-Management server.

[0095] Electronic certificate solution module is also set to: in the settlement process, when the solution payment amount is updated, according to the updated settlement amount of electronic certificate solution payment.

[0096] Specifically, after receiving the solution payment application, the electronic certificate solution module verifies the settlement application, including verifying whether the settlement condition is met, verifying whether the electronic certificate corresponding to the settlement application is invalid, and whether the electronic certificate is already paid and so on. When the verification is passed, the electronic certificate is released. Otherwise, the application is refused and the corresponding information is returned to the second Funds-Management server. For example, when the electronic certificate has expired, the second Funds-Management server delivers the information that the electronic certificate has expired. When the electronic certificate has been paid, the second Funds-Management server is delivered the information that the electronic certificate has been paid.

[0097] After completion of payment, electronic certificate payment module can also update the status of the electronic certificate, and deliver updates to the second Funds-Management server. For example, when this solution is paid in full, the status of the electronic certificate is updated as solved. When this solution is partially paid, the status of the electronic certificate is updated as partial settlement and updated the amount to be settled.

[0098] Please refer to Figure 7, a second example of an electronic certificate solution deliverer according to the present invention is proposed. The device in this example is applied to the foregoing second Funds-Management server. The device includes the following modules:

[0099] The settlement application module is used to receive the settlement application delivered by the settlement applicant and deliver the settlement application to the first Funds-Management server.

[0100] The reduced settlement amount request module is used to receive a request for reducing the settlement amount delivered from the settlement requester, and deliver the request to the first Funds-Management server.

[0101] The device for providing an electronic certificate provided by the above example belongs to the same concept as the method example for an electronic certificate. For the specific implementation process, refer to the method example for details. The technical characteristics of the method are applicable in the device implementation cases.

[0102] Therefore, the electronic certificate solution payment system and device of the present invention, on the one hand, by electronic certificate payment, reducing the transaction risk;
the other hand, in the electronic certificate settlement process, it can at any time proposed to reduce the payment amount, without re- opening of a new electronic certificate improves the flexibility and convenience of electronic certificate solution and improves the efficiency of solution delivery.

[0103] It will be understood by the ordinary skill in the field that the realization of all or part of the steps of the method described above may be controlled by a program to control the associated hardware completion, which may be stored in a computer-readable storage medium. The storage medium may be ROM / RAM, a magnetic disk, an optical disk, etc.

[0104] It is to be understood that the above is only a preferred example of the present invention and is not intended to limit the scope of the invention as a matter of limitation, either by way of equivalent construction or equivalent process transformation using the present specification and the accompanying drawings, directly or indirectly used in other related technical fields, which are included in the scope of the patent protection of the present invention.
Industrial utility

[0105] The present invention provides an electronic certificate settlement method, system and device, on the one hand, it reducing the transaction risk by electronic certificate payment;
the other hand, during the settlement process of electronic certificate, it is proposed to reduce the settlement amount at any time without having to re-open a new electronic certificate, which improves the flexibility and convenience of electronic certificate settlement and improves the efficiency of solution. Therefore, it has industrial applicability.

Claims

The Claims [Claims 1] An electronic certificate solution payment method, including the following steps:
The second Funds-Management server receives the settlement request delivered by the settlement application terminal and delivers the settlement request to the first Funds-Management server.
The first Funds-Management server starts to solve the electronic certificate according to the settlement application;
In the process of settlement, the second Funds-Management server receives the settlement reduction request delivered by the settlement commissioner and delivers the request for settlement reduction to the first Funds-Management server.
The first Funds-Management server updates the settlement amount of the electronic certificate according to the reduction settlement amount request, and pays the electronic certificate according to the updated settlement amount.
[Claim 2] An electronic certificate solution payment method applied to a first Funds-Management server, including the following steps:
According to the payment application delivered by the second Funds-Management server, the payment of electronic certificate is started;
In a process of settlement, receive payment during the settlement process, the second Funds-Management server to deliver a request to reduce the settlement amount, according to reduce the settlement amount request to update the settlement amount of the electronic certificate;
The electronic certificate is solved according to the updated settlement amount.
[Claim 3] According to the method for issuing an electronic certificate in Claim 2, wherein the solution to the electronic certificate based on the settlement request delivered by the second Funds-Management server includes:
Receive a settlement application delivered by the second Funds-Management server;
Verify whether the electronic certificate expired and whether it has been paid.
When the electronic certificate is valid and has not yet been settled, solves the electronic certificate; otherwise, rejects the settlement application.
[Claim 4] According to the electronic certificate settlement method in Claim 2 or 3, wherein the method also includes:
When the settlement amount of the electronic certificate is updated, deliver an update message to the second Funds-Management server; and after the electronic certificate is cleared, update the status of the electronic certificate and deliver the update message to the second Second Funds-Management server.
[Claim 5] An electronic certificate solution payment method, applied to a second Funds-Management server, including the following steps:
Receive the solution payment request delivered by the solution payment application and delivering the solution payment application to the first Funds-Management server;
Receive a reduction payment request delivered by the settlement commissioner, and deliver the request for settlement reduction to the first Funds-Management server.
[Claim 6] An electronic certificate solution payment system, including a payment application terminal, a first Funds-Management server and a second Funds-Management server, wherein:
Settlement application terminal: it set to deliver a settlement application to the second Funds-Management server, and deliver a request for reducing the settlement amount to the second Funds-Management server during the settlement process;
The second Funds-Management server: set to receive a settlement application and reduce the settlement amount request and delivered to the first Funds-Management server;
The first Funds-Management server: set to be based on the solution to apply for electronic certificate solution to pay, in the settlement process, to receive a request to reduce the settlement amount, according to the reduction of the settlement amount request to update the amount of the settlement of the electronic certificate.
And solve the electronic certificate according to the updated settlement amount.
[Claim 7] An electronic certificate solution payment device applied to a first Funds-Management server, including:
Electronic certificate solution module, which is set to start to solve the electronic certificate according to the settlement application delivered by the second Funds-Management server;
Settlement amount update module: set to receive payment during the settlement process, the second Funds-Management server to deliver a request to reduce the settlement amount, according to reduce the settlement amount request to update the settlement amount of the electronic certificate;

Electronic certificate solution module is also set to: in the settlement process, when the solution payment amount is updated, according to the updated settlement amount of electronic certificate solution payment.
[Claim 8] According to the electronic certificate settlement device in Claim 7, wherein the electronic certificate settlement module is used to:
Receive the settlement application delivered by the second Funds-Management server, verify whether the electronic certificate has expired and whether it has been settled;
When the electronic certificate is valid and has not yet been settled, solves the electronic certificate; otherwise, rejects the settlement application.
[Claim 9] According to the electronic certificate settlement device in Claim 7 or 8, wherein the settlement amount updating module is further set to:
After updating the payment amount of the electronic certificate, delivering the update information to the second Funds-Management server;
The electronic certificate settlement module is also used to: after the electronic certificate is solved, update the status of the electronic certificate and deliver the update information to the second Funds-Management server.
[Claim 10] An electronic certificate solution payment device applied to the second Funds-Management server, including:
The solution payment application module is used to receive a settlement application delivered by the payment application terminal and deliver the solution payment request to the first Funds-Management server.
The reduced settlement amount request module is used to receive a request for reducing the settlement amount delivered from the settlement requester, and deliver to the first Funds-Management server.