CA2994875C - Electronic certificate issuing notification method, device and system - Google Patents
Electronic certificate issuing notification method, device and system Download PDFInfo
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- CA2994875C CA2994875C CA2994875A CA2994875A CA2994875C CA 2994875 C CA2994875 C CA 2994875C CA 2994875 A CA2994875 A CA 2994875A CA 2994875 A CA2994875 A CA 2994875A CA 2994875 C CA2994875 C CA 2994875C
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
Abstract
An electronic certificate issuing notification method, device and system. The electronic certificate issuing notification method comprises: receiving an issuing request, generating a corresponding bank credit certificate according to the issuing request, and generating a notification that the bank credit certificate has been issued (101); sending the has-been-issued notification to a second terminal corresponding to a receiver, or sending the has-been-issued notification to a second funds management server corresponding to a receiving account (102). The method, device and system ensure that the receiver obtains an electronic certificate issuing situation in a timely manner, and reduces the transaction risk for both a buyer and a seller.
Description
= CA 02994875 2018-02-06 Title: Electronic Certificate Issuing Notification Method, Device And System [1] [Technical Field]
[2] The present invention relates to the field of computer network technology, and in particular, to a method, a device and a system for issuing a certificate of an electronic certificate.
[3] [Background Technology]
[4] 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 the service of network payment, and the way of network payment provides great convenience for both buyers and sellers. In the existing network payment methods, most of the funds in the buyer's account are allocated directly to the seller's account, or to the third party organization as a guarantee.
151 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 seller, 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.
[6] [Summary of the Invention]
[7] Based on this, it is necessary to provide a method, a device and a system for issuing a certificate of electronic certificate that can reduce the transaction risks between buyers and sellers in view of the above technical problems.
[8] A method for issuing a certificate of an electronic certificate is applied to a first Funds-Management server; the method includes:
[9] Receiving an issuing request, the corresponding electronic certificate is generated according to the requesting request and the opening notification of the electronic certificate is generated;
[10] Delivering the issuing notification to the second terminal corresponding to the certificate collector; or, [11] Delivers the issuing notification to the second Funds-Management server corresponding to = CA 02994875 2018-02-06 the certificate account.
[12] A method for issuing a certificate of an electronic certificate is applied to a second Funds-Management server; the method includes:
[13] Receive the issuing information delivered by the second terminal, and generate a corresponding issuing request according to the issuing information.
[14] Delivering the issuing request to the first Funds-Management server, so that the first Funds-Management server generates a corresponding electronic certificate according to the issuing request and generates a issuing certificate of the electronic certificate;
[15] Receive the issuing notification delivered by the first Funds-Management server.
[16] A certificate issuing device for electronic certificate, is applied to a first Funds-Management server; the device including:
[17] A notification generating module is used to receive an issuing request, generate a corresponding electronic certificate according to the issuing request, and generate an issuing notification of an electronic certificate;
[18] A first delivering module is used to deliver the opened notification to the second terminal corresponding to the certificate issuer, or, [19] Delivers the issuing notification to the second Funds-Management server corresponding to the certificate account.
[20] A certificate issuing device for electronic certificate, is applied to a second Funds-Management server; the device including:
[21] A request generating module is used to receive the issuing information delivered by the second terminal and generate a corresponding issuing request according to the issuing information;
[22] A request delivering module is used to deliver the issuing request to the first Funds-Management server, so that the first Funds-Management server generates a corresponding electronic certificate according to the issuing request and generates an issuing certificate of the electronic certificate;
[23] The notification receiving module is used to receive the opened notification delivered by the first Funds-Management server.
[24] An electronic certificate issuing notification system, the system including:
[25] A first Funds-Management server is used to receive an issuing request, generate a corresponding electronic certificate according to the issuing request, and generate an already-opened notification of the electronic certificate; and deliver the already-sent or the second Funds-Management server corresponding to the certificate account.
[26] The second terminal is used to receive an opened notification that is delivered by the first Funds-Management server;
[27] The second Funds-Management server is used to receive the issued notification delivered by the first Funds-Management server.
[28] The method, device and system for issuing the electronic certificate mentioned above are applied to the payment process of the electronic certificate. The first Funds-Management server generates the issuing notification after the electronic certificate is issued and promptly delivers issuing notification out, so that the receiving person to obtain the issuing notification almost the same time as the generation of electronic certificate, thus ensuring the receiver can obtain timely electronic certificate issuing situation, thus reducing the trading risk between buyers and sellers.
[29] [Brief Description]
[30] In order to specifically illustrate the examples of the invention or the technical solutions in the current technology, the following drawings, which are to be used in the description of the examples or the current technology, will be briefly described, and it will be apparent that the following accompanying drawings, which are merely exemplary of the invention, may be made by those of ordinary skill in the art in view of the accompanying drawings, in which the drawings of other examples may be obtained without departing from the inventive work.
[31] Figure 1 is a flow chart of a method for issuing an electronic certificate according to an example of the present invention;
[32] Figure 2 is a flow chart of a method for issuing an electronic certificate according to an example of the present invention;
[33] Figure 3 is a flow chart of a method for issuing an electronic certificate according to an example of the present invention;
[34] Figure 4 is an application scene diagram of a method for issuing a certificate of an electronic certificate in one example;
[35] Figure 5 is a schematic structural diagram of an electronic certificate issuing device in an example;
[36] Figure 6 is a schematic structural diagram of an electronic certificate issuing device in an example;
[37] Figure 7 is a schematic structural diagram of an electronic certificate issuing device in an example;
[38] Figure 8 is a schematic structural diagram of an electronic certificate issuing system in an example.
[39] [Description of the Preferred Examples]
[40] 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.
[41] 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.
[42] 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.
[43] 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.
[44] In the example of the present invention, the second payer, at the request of the issuer, are used as the electronic certificate payer to open the electronic certificate with the funds or credit of their account as the issuer. The main body may be a natural person, a legal person or other organization. The second payment terminal are terminals owned by the second payer.
[45] 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:
[46] 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.) [47] 2. After the issuing agency accepts, open electronic certificate and freeze the corresponding amount of funds or credit line.
[48] 3. The recipient (such as the seller) applies to the receiving authority (such as the receiving bank) to receive the certificate.
[49] 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).
[50] 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.
[51] 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.
[52] 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.
[53] 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.
[54] As shown in Figure 1, in one example, an electronic certificate issuing notification method provided by the present invention is applied to a first Funds-Management server. The method includes the following steps:
[55] Step 101: Receiving an issuing request, the corresponding electronic certificate is generated according to the requesting request and the opening notification of the electronic certificate is generated.
[56] In this example, the first Funds-Management server refers to a server for generating an electronic certificate. For example, if the issuer's credit card account is a China Construction Bank (CCB) account, then the first Funds-Management server is the server used by the construction bank for fund management. The issuing request carries the issuing account, the issuing amount, the issuer information and the receiver information. The issuer's information contains the user name and password of the issuer's issuing account. The recipient information includes the contact information of the recipient and the certificate of acceptance for receiving the electronic certificate. In order to ensure the security, the data carried in the issuing request are all encrypted. Generate a corresponding electronic certificate by freezing the funds of the issuing amount in the issuing bank account and generate the issuing certificate of the electronic certificate.
[57] Electronic certificate is an electronic certificate used to provide financial guarantees to both parties to the transaction. Electronic certificate including: issuing time, issuing amount, issuing account and fund settlement conditions and other related information.
After the first Funds-Management server verifies that the issuer's identity information is legal, the Funds-Management server will freeze the funds equal to the issuing amount in the issuing bank account, and the issuer has no right to control the frozen funds. The frozen funds can be used by the issuer to engage in various activities such as buying and selling commodities, mortgages and other economic activities. After the first Funds-Management server generates the electronic certificate, further, the issuing certificate of the electronic certificate is generated. Issuing notification is used to inform the receiving party that the status of electronic certificate is opened.
[58] In one example, the issuing request is delivered by the first terminal corresponding to the issuer. In this example, the buyer and the seller (the issuer and the receiver) pay and settle according to the usual transaction flow, and the buyer needs to obtain the electronic certificate before trading with the seller. Specifically, the buyer enters the issuing information through the first terminal. Further, the first terminal delivers to the first Funds-Management server an issuing request carrying the issuing information.
The first Funds-Management server complete the issuing mission.
[59] In another example, the issuing request is delivered by the second terminal corresponding to the recipient. In this example, the collector (seller) issues an offer to the issuer (buyer), and the issuer delivers the issuing information to the consignee after accepting the offer, and the collector issues a certificate to the first Funds-Management server through the second terminal request.
[60] In another example, the step 101 of receiving the issuing request includes: receiving the issuing request delivered by the second Funds-Management server corresponding to the issuing account. In this example, the second Funds-Management server obtains the issuing information from the second terminal corresponding to the recipient, and delivers the issuing request to the first Funds-Management server by the second Funds-Management server.
[61] Step 102: Delivering an already-issuing notification to a second terminal corresponding to the certificate subscriber. Alternatively, the notified second account is delivered to the second Funds-Management server corresponding to the acquiring account.
[62] In this example, the delivering issuing request may be the first terminal corresponding to the issuer or the second Funds-Management server corresponding to the credit card issuing account of the issuer. In one example, in order to ensure the security of the funds in the issuing account, it is necessary to verify whether the issuer information is valid.
Specifically, the first Funds-Management server determines whether the issuer's user name and password are already stored in the server. If yes, then the issuer information is valid, otherwise it is not legal, refuses its issuing request. In one example, the first Funds-Management server may also deliver an alarm message to notify the legitimate users of the issuing account when it is verified that the issuer information is not valid, so as to remind the other issuing account that there may be a security risk.
[63] Issuing notification is forwarded in the form of data message. The forwarding party is that the first Funds-Management server delivers the issuing notification to the second terminal corresponding to the recipient, and then the second terminal forwards the notification to the issuing account of the second Funds-Management server, or the first Funds-Management server delivers the issuing notification directly to the second Funds-Management server. In order to ensure the safety of data transmission, the issuing notification has been encrypted in the transmission process. In one example, the first Funds-Management server and the second Funds-Management server refer to the same server when the issuing and collecting accounts are the same type of accounts. For example, when the issuing and collecting accounts are both CCB's accounts, both the first Funds-Management server and the second Funds-Management server refer to the Funds-Management server of the Construction Bank. When the issuing account and the collecting account are not the same type of account, the first Funds-Management server and the second Funds-Management server are different servers.
[64] The method for issuing the electronic certificate mentioned above is applied to the payment process of the electronic certificate. The first Funds-Management server generates the issuing notification after the electronic certificate is issued and promptly delivers issuing notification out, so that the receiving person to obtain the issuing notification almost the same time as the generation of electronic certificate, thus ensuring the receiver can obtain timely electronic certificate issuing situation, thus reducing the trading risk between buyers and sellers.
[65] As shown in Figure 2, in an example, the method for issuing a certificate of an electronic certificate further includes the step 103 of delivering a noticed certificate to the first terminal corresponding to the issuer.
[66] In this example, the noticed certificate notifies the issuer that the noticed certificate has been delivered by the first Funds-Management server to the first terminal so that the issuer can grasp the issuance situation in time.
[67] In one example, the issuing request includes the issuer information.
In step 102, the issuance of the already-issuing notification to the second terminal corresponding to the issuers includes: obtaining the contact information of the acquirer according to the credit-card holder information; deliver the notice of issuing the certificate to the second terminal through the contact information of the certificate collector.
[68] Specifically, the contact information of the certificate collector includes but is not limited to at least one of the following: telephone, sms, QR code, email and fax. For example, it can generate a QR code of the issuing notification and deliver it to the cell phone of the recipient. The receiver can scan the QR code to find out the contents of the issued notification.
[69] When the recipient and the server are located close to each other, it is also possible to deliver the issuing notification through the near field wireless communication technology.
Specifically, short-range wireless communication technology include, but are not limited to: Bluetooth, infrared, NFC and light waves. For example, if the issuer and the recipient receive the transaction at the bank at the same time, the issuer issues an electronic certificate on the Funds-Management server of the bank, and the Funds-Management server delivers the notice of issuance of the certificate to the recipient of the call directly via Bluetooth.
[70] As shown in Figure 3, in an example, an electronic certificate issuing notification method provided by the present invention is applied to a second Funds-Management server. The method includes the following steps:
[71] Step 301: Receive the issuing information delivered by the second terminal, and generate a corresponding issuing request according to the issuing information.
[72] Step 302: Delivering the issuing request to the first Funds-Management server, so that the first Funds-Management server generates a corresponding electronic certificate according to the issuing request and generates an issuing certificate of the electronic certificate.
[73] Step 303: Receive the opened notification delivered by the first Funds-Management server.
[74] In this example, the second Funds-Management server corresponding to the credit card's account actively delivers a card issuing request to the first Funds-Management server.
Specifically, the issuer delivers the issuing information to the second terminal corresponding to the issuer through the first terminal, and the second terminal forwards the issuing information to the second Funds-Management server, and the second Funds-Management server generates the issuing request. The second Funds-Management server delivers the issuing information to the first Funds-Management server, and the first Funds-Management server finishes issuing the electronic certificate.
[75] In one example, after the second Funds-Management server receives the opened notification delivered by the first Funds-Management server, the method further includes:
The second Funds-Management server receives a certificate request, and the certificate request carries information about the certificate collector; and verifies whether the certificate collector information is legal. If yes, deliver a receipt notification to the first Funds-Management server; and receive the electronic certificate delivered by the first Funds-Management server according to the receipt notification.
[76] In this example, the issuer and the credit card collector settle their electronic certificates.
For example, the buyer purchases commodity at the seller's online store, the seller has an obligation to deliver the commodity, and the buyer has an obligation to deliver the electronic certificate to the seller. The second terminal delivers a certificate receiving request to the second Funds-Management server, and the second Funds-Management server completes the certificate collecting task. After the second Funds-Management server obtains the electronic certificate, when the second Funds-Management server receives the commodity receipt information delivered by the logistics server or the confirmation receipt information delivered by the buyer through the first terminal, that is, when payment conditions are satisfied, the second Funds-Management server delivers a fund settlement request to the first Funds-Management server, and the first Funds-Management server will transfer the frozen Funds to the second Funds-Management server, and then transfer the Funds to the receiving account by the second Funds-Management server, finally complete the settlement of the buyer and seller.
[77] As shown in Figure 4, in one example, the User A performs network transactions with the User B through the second terminal 20 through the first terminal 10. The first terminal 10 delivers an issuing request to the first Funds-Management server 30, and the first Funds-Management server 30 freezes the funds in the issuing account that are equal to the issuing amount to generate a corresponding electronic certificate and generates an issuing notification. The first Funds-Management server 30 will deliver the opened notification to the first terminal 10 and the second Funds-Management server 40. The second Funds-Management server 40 receives the electronic certificate from the first Funds-Management server 20. After User A and User B complete the network transaction, the first Funds-Management server 30 will release the funds of the issuing account and transfer to the collecting account through the second Funds-Management server 40.
[78] As shown in Figure 5, in an example, an electronic certificate issuing and notifying device is provided, which is applied to a first Funds-Management server. The device includes the following modules:
[79] A notification generating module 50 is used to receive an issuing request, generate a corresponding electronic certificate according to the issuing request, and generate an issuing notification of an electronic certificate.
[80] The first delivering module 51 is used to deliver the opened notification to the second terminal corresponding to the certificate issuer, or deliver the opened notification to the second Funds-Management server corresponding to the certificate receiving account.
[81] As shown in Figure 6, in an example, the device for notifying the issuance of the electronic certificate further includes: a second delivering module 52 is used to deliver the already-issuing notification to the first terminal corresponding to the issuer.
[82] In an example, the issuing request includes: the collector information, the first delivering module 61 is also used to obtain the contact information of the receiver according to the information of the referrer, and deliver the noticed notification to the second terminal. In one example, the contact information of the certificate collector includes at least one of a telephone, a fax and an email address.
[83] As shown in Figure 7, in an example, an electronic certificate issuing and notifying device is provided, which is applied to a second Funds-Management server. The device includes:
[84] A request generating module 70 is used to receive the issuing information delivered by the second terminal and generate a corresponding issuing request according to the issuing information.
[85] A request delivering module 71 is used to deliver the issuing request to the first Funds-Management server, so that the first Funds-Management server generates a corresponding electronic certificate according to the issuing request and generates an issuing certificate of the electronic certificate.
[86] The notification receiving module 72 is used to receive the opened notification delivered by the first Funds-Management server.
[87] As shown in Figure 8, in one example, an electronic certificate issuing notification system is provided. The system includes:
[88] The first Funds-Management server 40 is used to receive an issuing request, generate a corresponding electronic certificate according to the issuing request, and generate a validated certificate of the electronic certificate; and deliver an already-opened notification to a second terminal corresponding to the witness; or, deliver the issuing notification to the second Funds-Management server corresponding to the issuing account.
[89] The second terminal 41 is used to receive the opened notification delivered by the first Funds-Management server.
[90] The second Funds-Management server42 is used to receive the opened notification delivered by the first Funds-Management server.
[91] In an example, the issuing request includes the recipient information, and the first Funds-Management server 40 is also used to obtain the recipient contact information according to the recipient information and deliver the opened notification to the second terminal, collectors contact information include: telephone, QR code, SMS, fax and at least one of the mailbox.
[92] The ordinary technicians in the field can understand and implement all or part of the processes in the above mentioned method of the example which can be completed by means of a computer program that can be stored in a computer-readable storage medium.
When the program is executing, it may include all the above-mentioned process in the example. Among them, the storage medium can be a magnetic disk, CD, a read-only memory (ROM) and other non-volatile storage media or random access memory (RAM), etc.
[93] The characteristics of technology in the above example can be arbitrarily combined. In order to simplify the description, it does not describe all the possible combinations of the various characteristics of technology in the above examples, however, as long as the combination of these characteristics of technology are not conflict, it should be considered in the scope of this Specification records.
[94] The above example only express several examples of the invention, and its descriptions are more specific and detailed, however, it cannot to be considered as a limitation of the scope of the invention patent. It should be noted that various modifications and improvements can be made by those skilled technicians in the field without departing from the inventive concept, which belonged to the protection scope of the invention. Therefore, the protection scope of patent in the invention should be subject to the attached claims.
151 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 seller, 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.
[6] [Summary of the Invention]
[7] Based on this, it is necessary to provide a method, a device and a system for issuing a certificate of electronic certificate that can reduce the transaction risks between buyers and sellers in view of the above technical problems.
[8] A method for issuing a certificate of an electronic certificate is applied to a first Funds-Management server; the method includes:
[9] Receiving an issuing request, the corresponding electronic certificate is generated according to the requesting request and the opening notification of the electronic certificate is generated;
[10] Delivering the issuing notification to the second terminal corresponding to the certificate collector; or, [11] Delivers the issuing notification to the second Funds-Management server corresponding to = CA 02994875 2018-02-06 the certificate account.
[12] A method for issuing a certificate of an electronic certificate is applied to a second Funds-Management server; the method includes:
[13] Receive the issuing information delivered by the second terminal, and generate a corresponding issuing request according to the issuing information.
[14] Delivering the issuing request to the first Funds-Management server, so that the first Funds-Management server generates a corresponding electronic certificate according to the issuing request and generates a issuing certificate of the electronic certificate;
[15] Receive the issuing notification delivered by the first Funds-Management server.
[16] A certificate issuing device for electronic certificate, is applied to a first Funds-Management server; the device including:
[17] A notification generating module is used to receive an issuing request, generate a corresponding electronic certificate according to the issuing request, and generate an issuing notification of an electronic certificate;
[18] A first delivering module is used to deliver the opened notification to the second terminal corresponding to the certificate issuer, or, [19] Delivers the issuing notification to the second Funds-Management server corresponding to the certificate account.
[20] A certificate issuing device for electronic certificate, is applied to a second Funds-Management server; the device including:
[21] A request generating module is used to receive the issuing information delivered by the second terminal and generate a corresponding issuing request according to the issuing information;
[22] A request delivering module is used to deliver the issuing request to the first Funds-Management server, so that the first Funds-Management server generates a corresponding electronic certificate according to the issuing request and generates an issuing certificate of the electronic certificate;
[23] The notification receiving module is used to receive the opened notification delivered by the first Funds-Management server.
[24] An electronic certificate issuing notification system, the system including:
[25] A first Funds-Management server is used to receive an issuing request, generate a corresponding electronic certificate according to the issuing request, and generate an already-opened notification of the electronic certificate; and deliver the already-sent or the second Funds-Management server corresponding to the certificate account.
[26] The second terminal is used to receive an opened notification that is delivered by the first Funds-Management server;
[27] The second Funds-Management server is used to receive the issued notification delivered by the first Funds-Management server.
[28] The method, device and system for issuing the electronic certificate mentioned above are applied to the payment process of the electronic certificate. The first Funds-Management server generates the issuing notification after the electronic certificate is issued and promptly delivers issuing notification out, so that the receiving person to obtain the issuing notification almost the same time as the generation of electronic certificate, thus ensuring the receiver can obtain timely electronic certificate issuing situation, thus reducing the trading risk between buyers and sellers.
[29] [Brief Description]
[30] In order to specifically illustrate the examples of the invention or the technical solutions in the current technology, the following drawings, which are to be used in the description of the examples or the current technology, will be briefly described, and it will be apparent that the following accompanying drawings, which are merely exemplary of the invention, may be made by those of ordinary skill in the art in view of the accompanying drawings, in which the drawings of other examples may be obtained without departing from the inventive work.
[31] Figure 1 is a flow chart of a method for issuing an electronic certificate according to an example of the present invention;
[32] Figure 2 is a flow chart of a method for issuing an electronic certificate according to an example of the present invention;
[33] Figure 3 is a flow chart of a method for issuing an electronic certificate according to an example of the present invention;
[34] Figure 4 is an application scene diagram of a method for issuing a certificate of an electronic certificate in one example;
[35] Figure 5 is a schematic structural diagram of an electronic certificate issuing device in an example;
[36] Figure 6 is a schematic structural diagram of an electronic certificate issuing device in an example;
[37] Figure 7 is a schematic structural diagram of an electronic certificate issuing device in an example;
[38] Figure 8 is a schematic structural diagram of an electronic certificate issuing system in an example.
[39] [Description of the Preferred Examples]
[40] 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.
[41] 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.
[42] 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.
[43] 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.
[44] In the example of the present invention, the second payer, at the request of the issuer, are used as the electronic certificate payer to open the electronic certificate with the funds or credit of their account as the issuer. The main body may be a natural person, a legal person or other organization. The second payment terminal are terminals owned by the second payer.
[45] 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:
[46] 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.) [47] 2. After the issuing agency accepts, open electronic certificate and freeze the corresponding amount of funds or credit line.
[48] 3. The recipient (such as the seller) applies to the receiving authority (such as the receiving bank) to receive the certificate.
[49] 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).
[50] 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.
[51] 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.
[52] 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.
[53] 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.
[54] As shown in Figure 1, in one example, an electronic certificate issuing notification method provided by the present invention is applied to a first Funds-Management server. The method includes the following steps:
[55] Step 101: Receiving an issuing request, the corresponding electronic certificate is generated according to the requesting request and the opening notification of the electronic certificate is generated.
[56] In this example, the first Funds-Management server refers to a server for generating an electronic certificate. For example, if the issuer's credit card account is a China Construction Bank (CCB) account, then the first Funds-Management server is the server used by the construction bank for fund management. The issuing request carries the issuing account, the issuing amount, the issuer information and the receiver information. The issuer's information contains the user name and password of the issuer's issuing account. The recipient information includes the contact information of the recipient and the certificate of acceptance for receiving the electronic certificate. In order to ensure the security, the data carried in the issuing request are all encrypted. Generate a corresponding electronic certificate by freezing the funds of the issuing amount in the issuing bank account and generate the issuing certificate of the electronic certificate.
[57] Electronic certificate is an electronic certificate used to provide financial guarantees to both parties to the transaction. Electronic certificate including: issuing time, issuing amount, issuing account and fund settlement conditions and other related information.
After the first Funds-Management server verifies that the issuer's identity information is legal, the Funds-Management server will freeze the funds equal to the issuing amount in the issuing bank account, and the issuer has no right to control the frozen funds. The frozen funds can be used by the issuer to engage in various activities such as buying and selling commodities, mortgages and other economic activities. After the first Funds-Management server generates the electronic certificate, further, the issuing certificate of the electronic certificate is generated. Issuing notification is used to inform the receiving party that the status of electronic certificate is opened.
[58] In one example, the issuing request is delivered by the first terminal corresponding to the issuer. In this example, the buyer and the seller (the issuer and the receiver) pay and settle according to the usual transaction flow, and the buyer needs to obtain the electronic certificate before trading with the seller. Specifically, the buyer enters the issuing information through the first terminal. Further, the first terminal delivers to the first Funds-Management server an issuing request carrying the issuing information.
The first Funds-Management server complete the issuing mission.
[59] In another example, the issuing request is delivered by the second terminal corresponding to the recipient. In this example, the collector (seller) issues an offer to the issuer (buyer), and the issuer delivers the issuing information to the consignee after accepting the offer, and the collector issues a certificate to the first Funds-Management server through the second terminal request.
[60] In another example, the step 101 of receiving the issuing request includes: receiving the issuing request delivered by the second Funds-Management server corresponding to the issuing account. In this example, the second Funds-Management server obtains the issuing information from the second terminal corresponding to the recipient, and delivers the issuing request to the first Funds-Management server by the second Funds-Management server.
[61] Step 102: Delivering an already-issuing notification to a second terminal corresponding to the certificate subscriber. Alternatively, the notified second account is delivered to the second Funds-Management server corresponding to the acquiring account.
[62] In this example, the delivering issuing request may be the first terminal corresponding to the issuer or the second Funds-Management server corresponding to the credit card issuing account of the issuer. In one example, in order to ensure the security of the funds in the issuing account, it is necessary to verify whether the issuer information is valid.
Specifically, the first Funds-Management server determines whether the issuer's user name and password are already stored in the server. If yes, then the issuer information is valid, otherwise it is not legal, refuses its issuing request. In one example, the first Funds-Management server may also deliver an alarm message to notify the legitimate users of the issuing account when it is verified that the issuer information is not valid, so as to remind the other issuing account that there may be a security risk.
[63] Issuing notification is forwarded in the form of data message. The forwarding party is that the first Funds-Management server delivers the issuing notification to the second terminal corresponding to the recipient, and then the second terminal forwards the notification to the issuing account of the second Funds-Management server, or the first Funds-Management server delivers the issuing notification directly to the second Funds-Management server. In order to ensure the safety of data transmission, the issuing notification has been encrypted in the transmission process. In one example, the first Funds-Management server and the second Funds-Management server refer to the same server when the issuing and collecting accounts are the same type of accounts. For example, when the issuing and collecting accounts are both CCB's accounts, both the first Funds-Management server and the second Funds-Management server refer to the Funds-Management server of the Construction Bank. When the issuing account and the collecting account are not the same type of account, the first Funds-Management server and the second Funds-Management server are different servers.
[64] The method for issuing the electronic certificate mentioned above is applied to the payment process of the electronic certificate. The first Funds-Management server generates the issuing notification after the electronic certificate is issued and promptly delivers issuing notification out, so that the receiving person to obtain the issuing notification almost the same time as the generation of electronic certificate, thus ensuring the receiver can obtain timely electronic certificate issuing situation, thus reducing the trading risk between buyers and sellers.
[65] As shown in Figure 2, in an example, the method for issuing a certificate of an electronic certificate further includes the step 103 of delivering a noticed certificate to the first terminal corresponding to the issuer.
[66] In this example, the noticed certificate notifies the issuer that the noticed certificate has been delivered by the first Funds-Management server to the first terminal so that the issuer can grasp the issuance situation in time.
[67] In one example, the issuing request includes the issuer information.
In step 102, the issuance of the already-issuing notification to the second terminal corresponding to the issuers includes: obtaining the contact information of the acquirer according to the credit-card holder information; deliver the notice of issuing the certificate to the second terminal through the contact information of the certificate collector.
[68] Specifically, the contact information of the certificate collector includes but is not limited to at least one of the following: telephone, sms, QR code, email and fax. For example, it can generate a QR code of the issuing notification and deliver it to the cell phone of the recipient. The receiver can scan the QR code to find out the contents of the issued notification.
[69] When the recipient and the server are located close to each other, it is also possible to deliver the issuing notification through the near field wireless communication technology.
Specifically, short-range wireless communication technology include, but are not limited to: Bluetooth, infrared, NFC and light waves. For example, if the issuer and the recipient receive the transaction at the bank at the same time, the issuer issues an electronic certificate on the Funds-Management server of the bank, and the Funds-Management server delivers the notice of issuance of the certificate to the recipient of the call directly via Bluetooth.
[70] As shown in Figure 3, in an example, an electronic certificate issuing notification method provided by the present invention is applied to a second Funds-Management server. The method includes the following steps:
[71] Step 301: Receive the issuing information delivered by the second terminal, and generate a corresponding issuing request according to the issuing information.
[72] Step 302: Delivering the issuing request to the first Funds-Management server, so that the first Funds-Management server generates a corresponding electronic certificate according to the issuing request and generates an issuing certificate of the electronic certificate.
[73] Step 303: Receive the opened notification delivered by the first Funds-Management server.
[74] In this example, the second Funds-Management server corresponding to the credit card's account actively delivers a card issuing request to the first Funds-Management server.
Specifically, the issuer delivers the issuing information to the second terminal corresponding to the issuer through the first terminal, and the second terminal forwards the issuing information to the second Funds-Management server, and the second Funds-Management server generates the issuing request. The second Funds-Management server delivers the issuing information to the first Funds-Management server, and the first Funds-Management server finishes issuing the electronic certificate.
[75] In one example, after the second Funds-Management server receives the opened notification delivered by the first Funds-Management server, the method further includes:
The second Funds-Management server receives a certificate request, and the certificate request carries information about the certificate collector; and verifies whether the certificate collector information is legal. If yes, deliver a receipt notification to the first Funds-Management server; and receive the electronic certificate delivered by the first Funds-Management server according to the receipt notification.
[76] In this example, the issuer and the credit card collector settle their electronic certificates.
For example, the buyer purchases commodity at the seller's online store, the seller has an obligation to deliver the commodity, and the buyer has an obligation to deliver the electronic certificate to the seller. The second terminal delivers a certificate receiving request to the second Funds-Management server, and the second Funds-Management server completes the certificate collecting task. After the second Funds-Management server obtains the electronic certificate, when the second Funds-Management server receives the commodity receipt information delivered by the logistics server or the confirmation receipt information delivered by the buyer through the first terminal, that is, when payment conditions are satisfied, the second Funds-Management server delivers a fund settlement request to the first Funds-Management server, and the first Funds-Management server will transfer the frozen Funds to the second Funds-Management server, and then transfer the Funds to the receiving account by the second Funds-Management server, finally complete the settlement of the buyer and seller.
[77] As shown in Figure 4, in one example, the User A performs network transactions with the User B through the second terminal 20 through the first terminal 10. The first terminal 10 delivers an issuing request to the first Funds-Management server 30, and the first Funds-Management server 30 freezes the funds in the issuing account that are equal to the issuing amount to generate a corresponding electronic certificate and generates an issuing notification. The first Funds-Management server 30 will deliver the opened notification to the first terminal 10 and the second Funds-Management server 40. The second Funds-Management server 40 receives the electronic certificate from the first Funds-Management server 20. After User A and User B complete the network transaction, the first Funds-Management server 30 will release the funds of the issuing account and transfer to the collecting account through the second Funds-Management server 40.
[78] As shown in Figure 5, in an example, an electronic certificate issuing and notifying device is provided, which is applied to a first Funds-Management server. The device includes the following modules:
[79] A notification generating module 50 is used to receive an issuing request, generate a corresponding electronic certificate according to the issuing request, and generate an issuing notification of an electronic certificate.
[80] The first delivering module 51 is used to deliver the opened notification to the second terminal corresponding to the certificate issuer, or deliver the opened notification to the second Funds-Management server corresponding to the certificate receiving account.
[81] As shown in Figure 6, in an example, the device for notifying the issuance of the electronic certificate further includes: a second delivering module 52 is used to deliver the already-issuing notification to the first terminal corresponding to the issuer.
[82] In an example, the issuing request includes: the collector information, the first delivering module 61 is also used to obtain the contact information of the receiver according to the information of the referrer, and deliver the noticed notification to the second terminal. In one example, the contact information of the certificate collector includes at least one of a telephone, a fax and an email address.
[83] As shown in Figure 7, in an example, an electronic certificate issuing and notifying device is provided, which is applied to a second Funds-Management server. The device includes:
[84] A request generating module 70 is used to receive the issuing information delivered by the second terminal and generate a corresponding issuing request according to the issuing information.
[85] A request delivering module 71 is used to deliver the issuing request to the first Funds-Management server, so that the first Funds-Management server generates a corresponding electronic certificate according to the issuing request and generates an issuing certificate of the electronic certificate.
[86] The notification receiving module 72 is used to receive the opened notification delivered by the first Funds-Management server.
[87] As shown in Figure 8, in one example, an electronic certificate issuing notification system is provided. The system includes:
[88] The first Funds-Management server 40 is used to receive an issuing request, generate a corresponding electronic certificate according to the issuing request, and generate a validated certificate of the electronic certificate; and deliver an already-opened notification to a second terminal corresponding to the witness; or, deliver the issuing notification to the second Funds-Management server corresponding to the issuing account.
[89] The second terminal 41 is used to receive the opened notification delivered by the first Funds-Management server.
[90] The second Funds-Management server42 is used to receive the opened notification delivered by the first Funds-Management server.
[91] In an example, the issuing request includes the recipient information, and the first Funds-Management server 40 is also used to obtain the recipient contact information according to the recipient information and deliver the opened notification to the second terminal, collectors contact information include: telephone, QR code, SMS, fax and at least one of the mailbox.
[92] The ordinary technicians in the field can understand and implement all or part of the processes in the above mentioned method of the example which can be completed by means of a computer program that can be stored in a computer-readable storage medium.
When the program is executing, it may include all the above-mentioned process in the example. Among them, the storage medium can be a magnetic disk, CD, a read-only memory (ROM) and other non-volatile storage media or random access memory (RAM), etc.
[93] The characteristics of technology in the above example can be arbitrarily combined. In order to simplify the description, it does not describe all the possible combinations of the various characteristics of technology in the above examples, however, as long as the combination of these characteristics of technology are not conflict, it should be considered in the scope of this Specification records.
[94] The above example only express several examples of the invention, and its descriptions are more specific and detailed, however, it cannot to be considered as a limitation of the scope of the invention patent. It should be noted that various modifications and improvements can be made by those skilled technicians in the field without departing from the inventive concept, which belonged to the protection scope of the invention. Therefore, the protection scope of patent in the invention should be subject to the attached claims.
Claims (81)
1. A system for issuing an electronic certificate comprising:
a first funds management server;
a second funds management server; and a terminal;
wherein the first funds management server is configured to:
receive an issuing request;
generate an electronic certificate according to the issuing request;
generate an issuing notification corresponding to a status of the electronic certificate; and deliver the issuing notification to one of the terminal and the second funds management server, wherein the terminal corresponds to a cardholder and the second funds management server corresponds to a collecting account;
wherein the terminal is configured to receive the issuing notification from the first funds management server;
wherein the second funds management server is configured to generate the request of issuing the electronic certificate; and wherein the second funds management server is configured to receive the issuing notification delivered by the first funds management server.
a first funds management server;
a second funds management server; and a terminal;
wherein the first funds management server is configured to:
receive an issuing request;
generate an electronic certificate according to the issuing request;
generate an issuing notification corresponding to a status of the electronic certificate; and deliver the issuing notification to one of the terminal and the second funds management server, wherein the terminal corresponds to a cardholder and the second funds management server corresponds to a collecting account;
wherein the terminal is configured to receive the issuing notification from the first funds management server;
wherein the second funds management server is configured to generate the request of issuing the electronic certificate; and wherein the second funds management server is configured to receive the issuing notification delivered by the first funds management server.
2. The system of claim 1 wherein the issuing request includes cardholder information.
3. The system of claim 2 wherein the first funds management server is further configured to obtain cardholder contact information from the cardholder information.
4. The system of claim 3 wherein the first funds management server is further configured to deliver the issuing notification to the terminal using the cardholder contact information.
5. The system of claim 4 wherein the cardholder contact information is a phone number.
6. The system of claim 4 wherein the cardholder contact information is a QR
code.
code.
7. The system of claim 4 wherein the cardholder contract information is a text message.
8. The system of claim 4 wherein the cardholder contact information is an email account.
9. The system of claim 4 wherein the cardholder contact information is a fax number.
10. The system of any one of claims 1-8 wherein the first funds management server is a bank server.
11. The system of any one of claims 1-8 wherein the second funds management server is a bank server.
12. The system of any one of claims 1-8 wherein the first funds management server is a securities institution server.
13. The system of any one of claims 1-8 wherein the second funds management server is a securities institution server.
14. The system of any one of claims 1-8 wherein the first funds management server is a third-party payment platform.
15. The system of any one of claims 1-8 wherein the second funds management server is a third-party payment platform.
16. The system of any one of claims 1-13 wherein the electronic certificate is a payment certificate.
17. The system of any one of claims 1-16 wherein the electronic certificate is capable of freezing funds when opened.
18. The system of any one of claims 1-16 wherein the electronic certificate is capable of freezing a credit line when opened.
19. The system of any one of claims 1-16 wherein the electronic certificate is capable of settling an electronic credit commitment according to an agreed condition.
20. The system of claim 1 wherein the electronic certificate is configured to purchase services.
21. The system of claim 1 wherein the electronic certificate is configured to allocate funds.
22. The system of claim 1 wherein the first funds management server is configured for use by a bank.
23. The system of any one of claims 1-22 wherein the issuing request includes an issuing account.
24. The system of any one of claims 1-23 wherein the issuing request includes an issuing amount.
25. The system of any one of claims 1-24 wherein the issuing request includes an issuer information.
26. The system of claim 25 wherein the issuer information includes an issuer user name.
27. The system of claim 25 wherein the issuer information includes an issuer password.
28. The system of any one of claims 1-25 wherein the issuing request includes receiver information.
29. The system of claim 28 wherein the receiver information includes receiver contact information.
30. The system of any one of claims 1-29 wherein the issuing request is encrypted.
31. The system of any one of claims 1-30 wherein the electronic certificate includes an issuing time.
32. The system of any one of claims 1-31 wherein the electronic certificate includes an issuing amount.
33. The system of any one of claims 1-31 wherein the electronic certificate includes an issuing account.
34. The system of any one of claims 1-31 wherein the electronic certificate includes a settlement condition.
35. The system of any one of claims 1-34 wherein the issuing notification is configured to inform a receiving party that the electronic certificate has been opened.
36. A method of issuing an electronic certificate comprising:
receiving an issuing information delivered by a terminal;
generating an issuing request according to the issuing information;
delivering the issuing request to a first funds management server;
generating an electronic certificate at the first funds management server based off of the issuing request;
generating an issuing notification at the first funds management server based off of a status of the electronic certificate; and receiving, by at least at one of a second terminal and a second funds management server the issuing notification sent by the funds management server, and wherein the second funds management server is configured to generate the request of issuing the electronic certificate.
receiving an issuing information delivered by a terminal;
generating an issuing request according to the issuing information;
delivering the issuing request to a first funds management server;
generating an electronic certificate at the first funds management server based off of the issuing request;
generating an issuing notification at the first funds management server based off of a status of the electronic certificate; and receiving, by at least at one of a second terminal and a second funds management server the issuing notification sent by the funds management server, and wherein the second funds management server is configured to generate the request of issuing the electronic certificate.
37. The method of claim 36 wherein the electronic certificate is a payment certificate.
38. The method of any one of claims 36-37 wherein the electronic certificate is capable of freezing funds when opened.
39. The method of any one of claims 36-38 wherein the electronic certificate is capable of freezing a credit line when opened.
40. The method of any one of claims 36-39 wherein the electronic certificate is capable of settling an electronic credit commitment according to an agreed condition.
41. The method of claim 36 wherein the electronic certificate is configured to purchase services.
42. The method of claim 36 wherein the electronic certificate is configured to allocate funds.
43. The method of any one of claims 36-42 wherein the issuing request includes an issuing account.
44. The method of any one of claims 36-43 wherein the issuing request includes an issuing amount.
45. The method of any one of claims 36-44 wherein the issuing request includes issuer information.
46. The method of claim 45 wherein the issuer information includes an issuer user name.
47. The method of claim 46 wherein the issuer information includes an issuer password.
48. The method of any one of claims 36-47 wherein the issuing request includes receiver information.
49. The method of any one of claims 36-48 wherein the issuing request is encrypted.
50. The method of any one of claims 36-49 wherein the electronic certificate includes an issuing time.
51. The method of any one of claims 36-50 wherein the electronic certificate includes issuing amount.
52. The method of any one of claims 36-51 wherein the electronic certificate includes an issuing account.
53. The method of any one of claims 36-52 wherein the electronic certificate includes a settlement condition.
54. The method of any one of claims 36-53 wherein the issuing notification is configured to inform a receiving party that the electronic certificate has been opened.
55. A method of issuing an electronic certificate comprising:
receiving an issuing request;
generating an electronic certificate based on the issuing request;
generating an issuing notification based on a status of the electronic certificate; and deliver the issuing notification to one of a terminal and a first funds management server, wherein the terminal corresponds to a cardholder and the funds management server corresponds to a collecting account, and wherein a second funds management server is configured to generate the request of issuing the electronic certificate.
receiving an issuing request;
generating an electronic certificate based on the issuing request;
generating an issuing notification based on a status of the electronic certificate; and deliver the issuing notification to one of a terminal and a first funds management server, wherein the terminal corresponds to a cardholder and the funds management server corresponds to a collecting account, and wherein a second funds management server is configured to generate the request of issuing the electronic certificate.
56. The method of claim 55 wherein the issuing request includes cardholder information.
57. The method of claim 56 wherein the first funds management server is further configured to obtain cardholder contact information from the cardholder information.
58. The method of claim 57 wherein the first funds management server is further configured to deliver the issuing notification to the second terminal using the cardholder contact information.
59. The method of claim 58 wherein the cardholder contact information is a phone number.
60. The method of claim 58 wherein the cardholder contact information is a QR code.
61. The method of claim 58 wherein the cardholder contract information is a text message.
62. The method of claim 58 wherein the cardholder contact information is an email account.
63. The method of claim 58 wherein the cardholder contact information is a fax number.
64. The method of claim 55 wherein the electronic certificate is a payment certificate.
65. The method of any one of claims 55-64 wherein the electronic certificate is capable of freezing funds when opened.
66. The method of any one of claims 55-64 wherein the electronic certificate is capable of freezing a credit line when opened.
67. The method of any one of claims 55-64 wherein the electronic certificate is capable of settling an electronic credit commitment according to an agreed condition.
68. The method of claim 55 wherein the electronic certificate is configured to purchase services.
69. The method of claim 55 wherein the electronic certificate is configured to allocate funds.
70. The method of any one of claims 55-69 wherein the issuing request includes an issuing account.
71. The method of any one of claims 55-69 wherein the issuing request includes an issuing amount.
72. The method of any one of claims 55-69 wherein the issuing request includes issuer information.
73. The method of claim 72 wherein the issuer information includes an issuer username.
74. The method of claim 72 wherein the issuer information includes an issuer password.
75. The method of any one of claims 55-74 wherein the issuing request includes receiver information.
76. The method of any one of claims 55-75 wherein the issuing request is encrypted.
77. The method of any one of claims 55-76 wherein the electronic certificate includes an issuing time.
78. The method of any one of claims 55-70 wherein the electronic certificate includes issuing amount.
79. The method of any one of claims 55-78 wherein the electronic certificate includes an issuing account.
80. The method of any one of claims 55-79 wherein the electronic certificate includes a settlement condition.
81. The method of any one of claims 55-80 wherein the issuing notification is configured to inform a receiving party that the electronic certificate has been opened.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084696 WO2017012073A1 (en) | 2015-07-21 | 2015-07-21 | Electronic certificate issuing notification method, device and system |
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| Publication Number | Publication Date |
|---|---|
| CA2994875A1 CA2994875A1 (en) | 2017-01-26 |
| CA2994875C true CA2994875C (en) | 2019-06-25 |
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| CA2994875A Active CA2994875C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate issuing notification method, device and system |
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| WO (1) | WO2017012073A1 (en) |
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| CN101582145A (en) * | 2008-05-12 | 2009-11-18 | 阿里巴巴集团控股有限公司 | Network transaction payment system |
| US20140214675A1 (en) * | 2013-01-25 | 2014-07-31 | Pankaj Sharma | Push payment system and method |
| WO2014146227A1 (en) * | 2013-03-18 | 2014-09-25 | 深圳市银信网银科技有限公司 | Paying method and system by using network |
| CN204178394U (en) * | 2014-09-12 | 2015-02-25 | 深圳市银信网银科技有限公司 | A kind of electronic certificate generating apparatus |
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| CA2994875A1 (en) | 2017-01-26 |
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