CA2994881C - Electronic certificate payment method and device - Google Patents

Abstract

Disclosed are an electronic certificate payment method and device, the method comprising the steps of: receiving an electronic certificate payment application and a payment code submitted by a payment application end; checking the payment code; upon successful checking, executing a payment with regard to an electronic certificate; otherwise, withholding the payment. In the electronic certificate payment method, the payment is performed via the electronic certificate, reducing the transaction risk, and the electronic certificate payment is performed according to the payment code, increasing the security of the electronic certificate. In addition, a receiving end, an issuing end or an authorised third party end may submit the payment according to the payment code, increasing the flexibility and convenience of the electronic certificate payment. Furthermore, a buyer may also use the payment code to sign for an item during a transaction, and a seller may use the payment code to apply to an issuing mechanism for the payment, thereby taking into account the interests of both the buyer and the seller.

Description

* W02017/012034 PCT/CN2015/084615 Title: Electronic Certificate Payment Method 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 and device.
Background Technology

[0002] With the rapid development of computers, networks and modern communication technology, E-commerce has become a popular and even popular way of transaction.
E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informational, thus reducing the cost of the transaction and improving the efficiency of the transaction.

[0003] The payment method of E-commerce usually adopts the network payment, the traditional network payment, mostly the funds in the bank card are directly allocated to each other's account, or allocated to a third party institution as a guarantee. After the buyer's fund transfer 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 funds to the wrong account. Therefore, the traditional online payment methods have certain trading risks and cannot guarantee the interests of buyers and sellers.
Technical problem

[0004] The main purpose of the present invention is to provide a method and device for electronic certificate settlement to reduce transaction risk, increase the flexibility and convenience of electronic certificate payment.
Problem solving solution Technical solutions

[0005] In order to achieve the above objective, the present invention provides a solution for electronic certificate payment, applied to Funds-Management server, including the following steps:

[0006] Receive the electronic certificate payment application settlement payment code submitted by the payment application terminal;

[0007] Verifying the settlement code;

[0008] After the verification is successful, the solution is executed on the electronic certificate;
otherwise, the solution is not to be paid.

[0009] The present invention also proposes an electronic certificate solution payment device, applied to the Funds-Management server, including:

[0010] The payment application receiving module is set up for the electronic certificate payment application reconciliation code submitted by the receiving terminal of the payment application;

[0011] Solution code verification module is used to verify the solution code;

[0012] Electronic certificate solution module is used to perform solution payment on the electronic certificate after the settlement code verification is successful.
The beneficial effect of the invention Beneficial effect

[0013] The electronic certificate settlement method provided by the present invention, the receiving terminal, the issuing terminal or the authorized third-party terminal can be submitted to the Funds-Management server as the terminal to pay Funds-Management server to apply for payment and settlement code, Funds -Management server only need to verify the payment code, after the verification, it will execute the electronic certificate solution. On the one hand, the payment through the electronic certificate reduces the transaction risk, and solves the electronic certificate according to the solvency code to improve the security of the electronic certificate. On the other hand, the receiving end, the issuing terminal or the authorized third-party terminal. In addition, the buyer can also use the payment code to sign for the commodity, the seller can use the payment code to the opening of the card institutions apply for payment, taking into account the interests of buyers and sellers.
A brief description of the drawings Brief Description

[0014] Figure 1 is a basic flow diagram based on electronic certificate in the existing technology;

[0015] Figure 2 is a flow chart of the first example of the electronic certificate solution payment method of the present invention;

[0016] Figure 3 is a flowchart of the second example of the electronic certificate solution payment method of the present invention;

[0017] Figure 4 is a flow chart of the electronic certificate solution payment method of the third example of the present invention;

[0018] Figure 5 is a block diagram of an example of the electronic certificate settlement device of the present invention.

[0019] Figure 6 is a schematic block diagram of a second example of the electronic certificate settlement device of the present invention;

[0020] Figure 7 is a block diagram of an example of the electronic certificate settlement device of the present invention;

[0021] Figure 8 is a schematic block diagram of a fourth example of the electronic certificate settlement device according to the present invention.

[0022] 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

[0023] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.

[0024] In the example of the present invention, the network payment is made through the electronic certificate, which greatly reduces the transaction risk and protects the interests of both the buyer and the seller as compared with the traditional network payment method.
The electronic certificate is mainly for buyers' commodity. The seller downloads the cashier interface, and the buyer finishes the issuance of the electronic certificate. The seller completes the receipt and performance and submits the payment. The electronic certificate expires automatically. The electronic certificate can be purchased not only for commodities, but also for collateral. For example, an individual may issue a letter of credit to a bank as a guarantee for the loan to others.

[0025] In an online payment system completed by electronic certificate, 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), that is, Funds-Management server includes a bank server or other financial institution server.

[0026] In this example of the present invention, an electronic certificate is an application which is issued by the issuing terminal (buyer terminal) to the Funds and Management server and is opened by Funds-Management server, electronic commitment payment certificate is an Internet innovation basic financial instrument paid by funds management institution in accordance with the commitment of funds management institution.

[0027] In this example of the present invention, the solution of electronic certificate means that after the issuing institution (such as an issuing bank) receives the payment application, to the issuing institution (for example, the issuing bank) to exchange the electronic certificate = W02017/012034 to pay for the frozen funds or credits in the account.

[0028] In this example of the present invention, an electronic certificate based transaction process is as shown in Figure 1, including 6 phases of a contract issuance period, a certificate collection period, a performance period, a receipt period, a settlement period and a liquidation period, wherein:

[0029] Opening date: both parties (buyers and sellers) before forming a transaction order, the formation of trading orders or the formation of trading orders, the issuing terminal (such as the buyer terminal) to the issuing authority (such as issuing bank) Funds-Management server application to open electronic certificate. The Funds-Management server of the issuing institution opens an electronic certificate according to the issuing application of the issuing party and reserves the amount of the recorded amount of electronic certificate in the account (payment account) specified by the issuing bank accordingly (usually in a frozen account Funds or credit, frozen credit can be divided into two situations: one from the beginning of the freeze credit, the issuing Funds-Management server that began to calculate interest, which is the buyer's credit card limit; the other is from the receipt when the terminal receives the funds corresponding to the credit, the issuing Funds-Management server will start to calculate the interest).

[0030] Collection period: the receiving terminal (such as the seller bank) will apply for the collection of Funds from Funds Management server(such as the collecting bank) of the receiving institution, and the electronic certificate will be invalid if the card is overdue, and the verification information will be verified by the Funds Management server of the receiving institution.

[0031] Compliance period: the receiving terminal submit compliance information (such as shipping information), overdue electronic certificate is invalid.

[0032] Signing Period: Electronic certificate is invalid when the application payment is resolved and the payment information (such as signing information) is not submitted over time.
After the application is settled, the electronic certificate enters the settlement period.

[0033] In the following, the payment of the electronic certificate will be described in detail through specific examples.

[0034] Figure 2, a first example of an electronic certificate solution payment method according to the present invention is proposed. The method is applied to a Funds-Management server.
The Funds-Management server is a Funds- Management server. The Funds-Management server according to the present invention refers to the Funds-Management server of the issuing institution when not specifically described, and the method includes the following steps:

[0035] S11, receive the electronic certificate payment application settlement payment code submitted by the payment application terminal.

[0036] In this step S11, the Funds-Management server of the issuing institution may receive the settlement application and settlement code. The settlement application may be submitted directly to the Funds-Management server of the issuing institution, that is, the payment application directly delivers the payment application and settlement code to the Funds-Management server of the issuing authority, or it can be submitted to the Funds-Management server of the issuing authority through the Funds-Management server of the receiving party, such as the receiving bank, that is, the settlement application delivers the settlement application and settlement code to the Funds-Management server of the collection agency, and the Funds-Management server of the collection agency forwards the payment to the Funds-Management server of the issuing institution.

[0037] The settlement application terminal may be an issuing terminal, a receiving terminal, or an authorized third-party terminal (i.e., a third-party terminal authorized by an issuing terminal or / and a receiving terminal).

[0038] The payment code is generated by the Funds-Management server or the opening end at the opening period, the period of receipt, or the performance period. When the payment code is generated by the Funds-Management server, the Funds-Management server also delivers the generated payment code to the payment application terminal. When the payment code is generated by the issuing party, the issuing party delivers the generated payment code to the Funds-Management server, and when the settlement application is not the issuing terminal, the issuing terminal delivers the settlement code directly or delivers it to the settlement application through the Funds-Management server.

[0039] S12, verification solution code. After the verification is successful, step S13 is executed;
when the verification fails, the process ends without paying the solution, and an error prompt message may be returned to the settlement application terminal.

[0040] Specifically, the Funds-Management server compares the solution payment code submitted by the application terminal with the locally stored solution code to determine whether the two match; when the two match, the verification is successful; when the two do not match, the verification fails.

[0041] S13, performing payment solution on the electronic certificate.

[0042] Specifically, When the payment application is directly submitted to the Funds-Management server of the issuing agency, the Funds-Management server of the issuing agency will transfer the frozen Funds in the electronic certificate payment account to the designated account of the issuing institution (the electronic certificate business collection account);

when the settlement application terminal submits a settlement application to the Funds-Management server of the issuing institution through the Funds-Management server of the collection agency, the Funds-Management server of the issuing institution transfers the funds frozen in the electronic certificate payment account to the recipient ID card designated account.

[0043] Please refer to Figure 3, a second example of the electronic certificate solution delivery method of the present invention is proposed, and the method in this example is still applied to a Funds-Management server of a certification authority, and the method includes the following steps:

[0044] S21, receive the electronic certificate payment application settlement payment code submitted by the payment application terminal.

[0045] S22, verification solution code. After the verification is successful, step S23 is executed;
when the verification fails, the process ends without paying the solution, and an error prompt message may be returned to the settlement application terminal.

[0046] S23, to determine whether the expiration date has expired. If yes, go to step S24; if not, wait for the expiration date. Specifically, according to the content of the electronic certificate, the date of payment is obtained, and the current date is determined to be settled.

[0047] S24, performing payment solution on the electronic certificate.

[0048] Please refer to Figure 4, a second example of the electronic certificate solution delivery method of the present invention is proposed, and the method in this example is still applied to a Funds-Management server of a certification authority, and the method includes the following steps:

[0049] S31, receive the electronic certificate payment application settlement payment code submitted by the payment application terminal.

[0050] S32, verification solution code. After the verification is successful, step SI3 is executed;
when the verification fails, the process ends without paying the solution, and an error prompt message may be returned to the settlement application terminal.

[0051] S33, verify the status of the electronic certificate. After the verification is passed, step S34 is executed; when the verification fails, the process ends without paying the solution, and an error prompt message may be returned to the payment application terminal.

[0052] Specifically, verifying whether the electronic certificate is valid or not and / or whether the electronic certificate has been paid; verifying the verification when the electronic certificate is valid or / and has not yet been settled;

[0053] S34, to determine whether the expiration date has expired. If yes, go to step 35; if not, wait for the expiration date to expire.

[0054] S35, performing payment solution on the electronic certificate.

[0055] The order of steps S32 and S33 is not limited, and step S33 may be performed first and then step 532 may be performed.

[0056] In some examples, step S34 may also be omitted.

[0057] Optionally, in some examples, the Funds-Management server also determines the type of the electronic certificate and determines whether the electronic certificate belongs to a specific type (such as CP500). When the type is a specific type, the check the verification code, otherwise, return the error prompt message to the settlement application.

[0058] In addition, in addition to the above-mentioned solution to apply for settlement payment code, but also can be used as both the use of electronic certificate purchased commodity, service receipt code or pick-up code used in delivery or receipt of commodity submitted to the receiving terminal (such as seller terminal), thus ensuring the double security of transactions and payments.

[0059] Therefore, the electronic certificate settlement method of the present invention, the receiving terminal, the issuing terminal or the authorized third-party terminal can be submitted to the Funds-Management server as the terminal to pay Funds-Management server to apply for payment and settlement code, Funds -Management server only need to verify the payment code, after the verification, it will execute the electronic certificate solution. On the one hand, the payment through the electronic certificate reduces the transaction risk, and solves the electronic certificate according to the solvency code to improve the security of the electronic certificate. On the other hand, the receiving end, the issuing terminal or the authorized third-party terminal. In addition, the buyer can also use the payment code to sign for the commodity, the seller can use the payment code to the opening of the card institutions apply for payment, taking into account the interests of buyers and sellers.

[0060] Please refer to Figure 5, 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 Funds-Management server of the foregoing certificate issuing institution. The device includes a solution payment request receiving module, code verification module and electronic certificate solution module, including:

[0061] Settlement application receiving module: set to receive the settlement application submitted by the terminal of the payment application and settlement code.

[0062] The payment application and settlement codes received by the solution receiving application receiving module may be submitted directly by the application finisher to the Funds-Management server of the issuing institution, or may be submitted by the issuing institution through the issuing bank) Funds-Management server submitted to the issuing Funds-Management server.

[0063] The settlement application terminal may be an issuing terminal, a receiving terminal, or an authorized third-party terminal (i.e., a third-party terminal authorized by an issuing terminal or / and a receiving terminal).

[0064] The payment code is generated by the Funds-Management server or the opening end at the opening period, the period of receipt, or the performance period.

[0065] The check module is set to verify the payment code and deliver the check result to the electronic certificate.

[0066] Specifically, the payment code verification module will compare the solution payment code submitted by the application terminal and the decoding code of the native storage to determine whether the two matches are matched. When the two match, the judgement is successful; when the two do not match, the validation fails and the error message can be returned to the application terminal.

[0067] Electronic certificate solution module is used to perform solution payment on the electronic certificate after the settlement code verification is successful.

[0068] Specifically, when the settlement applicant submits the application for settlement directly to the Funds-Management server of the issuing institution, the electronic certificate settlement module divides the funds frozen in the electronic certificate payment account into the designated account of the issuing institution (electronic certificate service home account); when the settlement application ends the Funds-Management server of the issuing institution through the Funds-Management server of the issuing institution, the electronic certificate settlement module transfers the funds frozen in the electronic certificate payment account to the designated institution of the collecting institution in the account.

[0069] Please refer to Figure 6, a second example of the electronic certificate solution deliverer according to the present invention is proposed. The difference between this example and the first example is that a judging module is added, in which:

[0070] Judging module: set to determine whether the expiration date has been expired, and deliver the judgement result to the electronic certificate solution module.

[0071] Electronic certificate solution module: set to pay for electronic certificate when the payment code is verified successfully and the current time of payment is expired.

[0072] Referring to Figure 7, a third example of the electronic certificate solution deliverer of the present invention is proposed. The difference between this example and the first is that an electronic certificate verification module is added, wherein:

=

[0073] Electronic certificate verification module: set to verify the status of electronic certificate, and deliver the verification result to the electronic certificate solution module. Specifically, the verification is carried out to verify whether the electronic certificate is valid or not and /
or whether the electronic certificate is valid or not. When the electronic certificate is valid or / and has not yet been settled, the verification is successful. When the electronic certificate is invalidated and / an error message can be returned to the application terminal.

[0074] Electronic certificate solution module: when the verification of the payment code is successful and the electronic certificate verification is passed, the payment of the electronic certificate is executed.

[0075] Please refer to Figure 8, a fourth example of the electronic certificate solution deliverer of the present invention is proposed. The difference between this example and the first example is that a judgement module and an electronic certificate verification module are added, wherein:

[0076] Judging module: set to determine whether the expiration date has been expired, and deliver the judgement result to the electronic certificate solution module.

[0077] Electronic certificate verification module: set to verify the status of electronic certificate, and deliver the verification result to the electronic certificate solution module.

[0078] Electronic certificate solution module: when the payment code verification is successful, the electronic certificate verification is passed and the current time of payment is expired, the payment of electronic certificate is executed.

[0079] 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.

[0080] In addition, in addition to the above-mentioned solution to apply for settlement payment code, but also can be used as both the use of electronic certificate purchased commodity, service receipt code or pick-up code used in delivery or receipt of commodity submitted to the receiving terminal (such as seller terminal), thus ensuring the double security of transactions and payments.

[0081] Thus, the electronic certificate settlement device of the present invention can receive the settlement application and the settlement code submitted by the issuing terminal, the issuing terminal or the authorized third party and only needs to verify the settlement code regardless of the settlement applicant's identity, verified by the implementation of electronic certificate solution. On the one hand, the payment through the electronic certificate reduces the transaction risk, and solves the electronic certificate according to the solvency code to improve the security of the electronic certificate. On the other hand, the receiving terminal, the issuing terminal or the authorized third party can be deducted according to the settlement code, which improves the flexibility and convenience of electronic certificate payment.

[0082] A person of skill in the art considers the problems disclosed herein and sought to be solved by the present disclosure to be exclusively computer problems and contemplates only solutions to those problems that include essential computer elements. Abstract ideas, mere schemes, plans, rules, or mental processes that do not include computer elements are expressly excluded from this application.

[0083] A person of skill in the art will understand 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.

[0084] 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.

[0085] The electronic certificate settlement method provided by the present invention, the receiving terminal, the issuing terminal or the authorized third-party terminal can be submitted to the Funds-Management server as the terminal to pay Funds-Management server to apply for payment and settlement code, Funds -Management server only need to verify the payment code, after the verification, it will execute the electronic certificate solution. On the one hand, the payment through the electronic certificate reduces the transaction risk, and solves the electronic certificate according to the solvency code to improve the security of the electronic certificate. On the other hand, the receiving end, the issuing terminal or the authorized third-party terminal. In addition, the buyer can also use the payment code to sign for the commodity, the seller can use the payment code to the opening of the card institutions apply for payment, taking into account the interests of buyers and sellers.
Date Recue/Date Received 2020-07-15

Claims (28)

Claims:

1. A computer implemented method for electronic certificate payment settlement in an electronic transaction, applied in a Funds-Management server, the method comprising:
receiving an application for electronic certificate payment settlement submitted by an applicant terminal and a payment settlement code, wherein the payment settlement code is configured as a sign code for a receipt of a physical commodity/service or pick-up code used upon delivery or receipt of the physical commodity/service;
verifying the payment settlement code; and where if the verification for the payment settlement code is passed, executing a payment settlement process for the electronic certificate for reducing transaction risk and improving flexibility of the payment settlement; and where if the verification for the settlement code is failed, rejecting to execute the payment settlement process for the electronic certificate;
wherein the payment settlement process includes unfreezing funds frozen in a payment account for transfer to a receiving account.

2. The method of claim 1 further includes determining whether the electronic certificate is within a pre-set payment settlement period.

3. The method of claim 2 further includes, where if the electronic certificate is within the pre-set payment settlement period, processing a next step.

4. The method of claim 2 further includes, where if the electronic certificate is out of the pre-set payment settlement period, waiting until the pay settlement period of the electronic certificate is within the pre-set payment settlement period for the payment settlement.

Date Recue/Date Received 2022-07-14

5. The method of claim 1 further includes verifying status of the electronic certificate.

6. The method of claim 5 further includes, where if the verification for the status of the electronic certificate is passed, processing a next step.

7. The method of claim 5 further includes, where if the verification for the status of the electronic certificate is failed, rejecting to execute the payment settlement process for the electronic cern fi cafe.

8. The method of claim 1 further includes determining a type of the electronic certificate.

9. The method of claim 8 further includes verifying the payment settlement code when the type of the electronic certificate belongs to a pre-set specific type.

10. The method of any one of claims 1 to 7, wherein the applicant terminal may be an issuing terminal.

11. The method of any one of claims 1 to 7, wherein the applicant terminal may be a receiving terminal.

12. The method of any one of claims 1 to 7, wherein the applicant terminal may be an authorized third-party terminal.

13. The method of any one of claims 1 to 12, wherein the payment settlement code is generated by the Funds-Management server.

14. The method of any one of claims 1 to 13, wherein the payment settlement code is configured as a sign code for delivery.

Date Recue/Date Received 2022-07-14

15. The method of any one of claims 1 to 14, wherein the payment settlement code is configured as a pick-up code.

16. A computer device for electronic certificate payment settlement in electronic transaction, the device comprising:
a payment application receiving module configured to receive an application for electronic certificate payment settlement submitted by an applicant terminal and a payment settlement code, wherein the payment settlement code is configured as a sign code for a receipt of a physical commodity/service or pick-up code used upon delivery or receipt of the physical commodity/service;;
a payment settlement code verification module configured to verify the payment settlement code; and a payment settlement module configured to:
where if the verification for the payment settlement code is passed, execute a payment settlement process for the electronic certificate for reducing transaction risk and improving flexibility of the payment settlement; and where if the verification for the settlement code is failed, reject to execute the payment settlement process for the electronic certificate wherein the payment settlement process includes unfreezing funds frozen in a payment account for transfer to a receiving account.

17. The device of claim 16 further includes a judgement module.

18. The device of claim 17, wherein the judgement module is configured to determine whether the electronic certificate is within a pre-set payment settlement period.

Date Recue/Date Received 2022-07-14

19. The device of claim 18, wherein the payment settlement module is further configured to, where if the electronic certificate is within the pre-set payment settlement period, execute the payment settlement process for the electronic certificate.

20. The device of claim 16 further includes an electronic certificate verification module.

21. The device of claim 20, wherein the electronic certificate verification module is configued to verifying status of the electronic certificate.

22. The device of claim 21, wherein the payment settlement module is further configured to, where if the verification for the status of the electronic certificate is passed, execute the payment settlement process for the electronic certificate.

23. The device of any one of claims 16 to 22, wherein the applicant terminal may be an issuing terminal.

24. The device of any one of claims 16 to 22, wherein the applicant terminal may be a receiving terminal.

25. The device of any one of claims 16 to 22, wherein the applicant terminal may be an authorized third-party terminal.

26. The device of any one of claims 16 to 25, wherein the payment settlement code is generated by a Funds-Management server.

27. The device of any one of claims 16 to 26, wherein the payment settlement code is usable to sign for a commodity.

28. The device of any one of claims 16 to 26, wherein the payment settlement code comprises a pick-up code used upon delivery or receipt of a commodity.

Date Recue/Date Received 2022-07-14