CA2994893C - Method and system for automatically configuring payment conditions of electronic certificate - Google Patents
Method and system for automatically configuring payment conditions of electronic certificate Download PDFInfo
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- CA2994893C CA2994893C CA2994893A CA2994893A CA2994893C CA 2994893 C CA2994893 C CA 2994893C CA 2994893 A CA2994893 A CA 2994893A CA 2994893 A CA2994893 A CA 2994893A CA 2994893 C CA2994893 C CA 2994893C
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- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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Abstract
Disclosed are a method and system for automatically configuring the payment conditions of an electronic certificate. Specifically, receiving a request from a first terminal to issue an electronic certificate; determining whether the request to issue an electronic certificate meets preset certificate issuing requirements; if not, then not granting the issuing of the electronic certificate; if so, then further invoking account data provided by the first terminal, and determining whether the account data meets preset value requirements; if not, then not granting the issuing of the electronic certificate; if meeting the preset value requirements, then automatically configuring electronic certificate payment conditions for the request to issue an electronic certificate; freezing the money value and/or expending the credit value in the account provided by the first terminal; generating an electronic certificate, and sending same to the first terminal. The present method and system can determine whether the request to issue an electronic certificate meets the requirements for automatic configuration of electronic certificate payment conditions, which is beneficial for clarifying electronic certificate payment conditions and facilitates the seller completing their tasks as required and promptly settling payment.
Description
METHOD AND SYSTEM FOR AUTOMATICALLY CONFIGURING PAYMENT
CONDITIONS OF ELECTRONIC CERTIFICATE
Technical Field [0001] The present invention relates to the field of electronic commerce, and in particular, to a method and system for automatically configuring an electronic certificate payment solution.
Background Technology
CONDITIONS OF ELECTRONIC CERTIFICATE
Technical Field [0001] The present invention relates to the field of electronic commerce, and in particular, to a method and system for automatically configuring an electronic certificate payment solution.
Background Technology
[0002] E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informational, thus reducing the cost of the transaction and improving the efficiency of the transaction.
[0003] However, in the current E-commerce applications, the transfer of funds mainly relies on the traditional way of electronic direct transfer payment and third-party payment, the payment method is single, the transaction process, the payment method cannot be customized, and there is a lack of personalization.
Summary
Summary
[0004] According to a first aspect of the present invention, it is provided a method of automatically configuring an electronic certificate settlement condition, including the following process:
[0005] Receiving a request from the first terminal to open an electronic certificate;
[0006] Comparison of the request to open the electronic certificate and the preset configuration automatically solves the requirements of electronic payment;
[0007] If the request for opening the electronic certificate does not meet the preset requirement for automatically resolving the electronic certificate, the electronic certificate cancellation condition is not configured;
[0008] If the request for opening the electronic certificate complies with the preset request for automatically settling the electronic certificate, the electronic ticket payment condition is automatically configured for the request for opening the electronic certificate.
[0009] In one example, the step of comparing the request for opening the electronic certificate and the preset condition for automatically dispensing the electronic certificate specifically includes:
Date Recue/Date Received 2021-01-04
Date Recue/Date Received 2021-01-04
[0010] Comparing the request to open electronic certificate and the preset issuing requirements;
[0011] If the request for opening the electronic certificate does not meet the preset issuing requirement, it is determined that if the request for opening the electronic certificate does not meet the preset requirement for automatically dispensing the electronic certificate;
[0012] If the request for opening the electronic certificate meets the preset issuing requirement, it is determined that if the request for opening the electronic certificate meet the preset requirement for automatically dispensing the electronic certificate.
[0013] In an example, the step of determining whether the request for opening the electronic certificate meets the requirement of automatically configuring the solution of the electronic certificate is:
[0014] Judging whether the request for opening the electronic certificate satisfies the preset issuing requirement;
[0015] If the preset issuing requirements are not met, then the result of the determination is nonconformity;
[0016] If the preset opening requirement is satisfied, the balance information of the account provided by the first terminal is further invoked to determine whether the balance of the account satisfies the preset quota requirement;
[0017] If not satisfy the preset quota requirement, then the judgement result is nonconformity;
[0018] If the preset limit request is satisfied, the result of the judgement is coincidence.
[0019] In an implementation manner, the manner of determining whether the data of the account meets a preset credit limit requirement is:
[0020] Detennining whether the amount of funds of the account meets a preset requirement of a fund amount; and / or determining whether the line of credit of the account meets a preset requirement of a line of credit.
[0021] In an example, after the payment condition is automatically configured for the request for opening the electronic certificate, the method further includes:
[0022] In combination with the automatically configured despatch conditions, the credit limit and / or credit limit of the account provided by the first terminal is frozen;
[0023] Generate an electronic certificate and deliver the electronic certificate to the first terminal.
Date Recue/Date Received 2021-01-04
Date Recue/Date Received 2021-01-04
[0024] According to a second aspect of the present invention, there is provided a system for automatically configuring an electronic certificate settlement condition, including a receiving unit, an analysing unit, and a delivering unit.
[0025] The receiving unit is used to receive a request for opening an electronic certificate from a first terminal. The analysing unit is used to compare the request for opening an electronic certificate with a preset request for automatically setting a payment condition of an electronic certificate. If the analysing unit determines that the request for opening the electronic certificate does not meet the preset requirement for automatically resolving the electronic certificate, the electronic ticket cancellation condition is not configured; if the analysing unit determines that the request for opening the electronic certificate does meet the preset requirement for automatically resolving the electronic certificate, The request for opening the electronic certificate complies with the preset request for automatically settling the electronic certificate, and the electronic ticket payment condition is automatically configured for the request for opening the electronic certificate.
[0026] In an implementation manner, the analysing unit determines whether the request for opening the electronic certificate meets the requirement of automatically configuring the electronic certificate cancellation condition as follows: the analysing unit compares the request for opening the electronic certificate and if the analysis unit determines that the request for opening the electronic certificate does not meet the preset issuing requirement, determine that the request for opening the electronic certificate does not comply with the preset automatic. If the analysis unit determines that the request for opening the electronic certificate meets the preset issuing requirement, it is determined that the request for opening the electronic certificate meets the preset requirement for automatically setting the payment condition of the electronic certificate.
[0027] In one example, the analysing unit determines whether the request for opening the electronic certificate meets the requirement of automatically configuring the solvency of the electronic certificate: the analysing unit compares the request for opening the electronic certificate and if the analysis unit determines that the request for opening the electronic certificate does not meet the preset issuing requirement, determine that the request for opening the electronic certificate does not comply with the preset automatic. If the analysis unit determines that the request for opening the electronic certificate meets the preset issuing requirement, determine that the request for opening the electronic certificate conforms to the Date Recue/Date Received 2021-01-04 preset automatic which set the request for settlement conditions of the electronic certificate;
further invoke the balance information of the account provided by the first terminal to determine whether the balance of the account meets a preset quota requirement; and if the analysing unit determines that the balance of the account does not satisfy the preset quota requirement, it is determined that the request for opening the electronic certificate does not meet the requirement.
If the analysis unit determines that the balance of the account meets the preset quota requirement, determine that the request for opening the electronic certificate conforms to the preset request for automatic configuration of electronic certificate solution requirements.
further invoke the balance information of the account provided by the first terminal to determine whether the balance of the account meets a preset quota requirement; and if the analysing unit determines that the balance of the account does not satisfy the preset quota requirement, it is determined that the request for opening the electronic certificate does not meet the requirement.
If the analysis unit determines that the balance of the account meets the preset quota requirement, determine that the request for opening the electronic certificate conforms to the preset request for automatic configuration of electronic certificate solution requirements.
[0028] In an implementation manner, the analysing unit determines whether the data of the account meets a preset threshold requirement as follows: the analysing unit determines whether the funding amount of the account satisfies a preset funding threshold requirement. And / or determine whether the credit limit of the account meets the preset credit limit requirement.
[0029] In an example, the system further includes a delivering unit. After the analysing unit automatically configures the payment condition for the request for opening the electronic certificate, the analysing unit is further configured to, in combination with the automatically configured payment solution condition, freezing a credit limit and / or a credit limit of an account provided by the first terminal, and generating an electronic certificate; and the delivering unit is used to deliver the electronic certificate to the first terminal.
[0030] The invention can determine whether according to the request to open an electronic certificate, an automatically configured payment solution condition is set, to clear electronic certificate solution according to payment conditions, and to enable the seller of the payment conditions have a clear understanding, so as to facilitate the seller to complete its tasks according to the requirements and apply for payment.
Brief Description of the Drawings
Brief Description of the Drawings
[0031] Figure 1 is a schematic structural diagram of a system for automatically configuring a payment condition of an electronic certificate according to Example one of the present inventions;
[0032] Figure 2 is a schematic flow chart of a method for automatically configuring a payment condition of an electronic certificate according to Example one of the present inventions;
[0033] Figure 3 is a schematic flow chart of a method for automatically configuring a Date Recue/Date Received 2021-01-04 payment condition of an electronic certificate according to a second example of the present invention.
Detailed Description
Detailed Description
[0034] The following specific examples with the accompanying drawings of the present invention will be described in further detail.
[0035] The electronic certificate is based on the core principles of international letters of credit, a collection of bank notes, bonds, bank acceptance bills, electronic letters of credit and many other financial commodity advantages, which are combined with Internet technology, and it completely adapts and meet the needs of the Internet economy era of new financial instruments, with cross-platform, cross-bank, all-field application and a wide range of applicability. Specifically, electronic certificate refers to the issuer (buyer) having opened with its bank account funds or credit lines (credit limit or loan limit) as a guarantee, and the bank commits to pay the settlement of electronic credit according to the conditions of settlement commitment, which is a kind of internet innovative basic financial instrument paid by bank credit commitment. Electronic certificate is mainly the commodity for the buyer, the seller downloads the cashier access interface, the buyer to complete the electronic certificate issuing, the seller to complete the collection and performance, apply for solution, and the payment terms of electronic certificate will be automatically paid. Electronic certificate not only can be purchased with the commodity, but also be used for mortgage guarantee, for example, an individual can issue an electronic certificate to the bank, as a guarantee to loan to others.
[0036] Electronic certificate can be understood as issued by the issuing bank based on the issuing applicant's request and the issuing applicant's funds or credit as a reserve and bearing the issuing bank credit to digitize the form of storage and change of information, The payment certificate of electronic credit commitment is realized.
[0037] The present invention provides an open electronic certificate method and system for setting up payment conditions through the system, setting the conditions of payment, better protecting the rights and interests of buyers, and better enjoying the service of private customization, Improve the user experience of consumer experience, but also enriched the payment form of modern E-commerce.
[0038] The use of the electronic certificate mentioned in this application will usually go through the following process.
Date Recue/Date Received 2021-01-04
Date Recue/Date Received 2021-01-04
[0039] After the order is formed by both parties, the issuing bank apply for the opening of the certificate. 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.
[0040] After the issuing bank accepts, the electronic certificate is opened and the amount of the electronic certificate recorded in the issuer's account will be treated accordingly. It is generally understood as freezing the funds or supporting credit. It should be noted that the freezing credit, divided into two situations: one is from the beginning of the freeze credit, the bank began to calculate interest, which is the issuer using a credit card limit; the other is from the receiver to receive credit line corresponding amount, the bank began to calculate the interest, that is, from the issuer to freeze the credit to the receiving bank to receive funds during the period, that the issuer "did not call the bank to give credit limit."
[0041] The recipient of the electronic certificate applies for collection of the certificate from the receiving bank.
[0042] The bank will receive the certificate after verifying the information. The deadline for the collector to apply for collection is the collection period, and the electronic certificate lapses if the collection is not completed within the time limit. After receiving the certificate, the electronic certificate will enter into the compliance period.
[0043] The recipient will submit the performance information within the time limit of the performance, such as shipping information, for example, when the merchant delivers the commodity, it can be considered that the performance has been carried out, the performance information can be the logistics single number of the delivery, and the electronic certificate fails after the time is not submitted. After the recipient submits the performance information, the receiving bank obtains the performance information and changes the status of the banknote. The electronic certificate enters the period of receipt. After that, it needs to wait for the delivery of the commodity and the receipt of the commodity by the buyer.
[0044] During the period of receipt, the issuer shall sign the goods, that is, after the receiver completes the transaction corresponding to the electronic certificate according to the conditions for the settlement of the electronic certificate, the credit card applicant shall apply for payment of the payment certificate with the issuing bank within the time limit of the receipt period, such as receipt of information) so that the electronic certificate is failed. After receiving the certificate, the electronic certificate will enter the payment period.
Date Recue/Date Received 2021-01-04
Date Recue/Date Received 2021-01-04
[0045] After the issuing bank determines that the terms of the settlement have been reached, it releases the freezing of the funds of the issuer's account, and the issuing bank transfers the funds to the issuing bank, and the collecting bank transfers the funds to the recipient's account (or the receiving account).
[0046] As an example of application, electronic certificate can be used to purchase services.
When buying services, such as hotel trade scenario, the hotel room reservation is successful, the hotel has carried on the performance, and the performance information is the content of the information which has successful reservation, close to pay collector's application solution when customers check in.
When buying services, such as hotel trade scenario, the hotel room reservation is successful, the hotel has carried on the performance, and the performance information is the content of the information which has successful reservation, close to pay collector's application solution when customers check in.
[0047] As another application example, electronic certificate can also be used to allocate funds. The understanding of performance and receipt varies for different situations. 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.
[0048] In practice, when an user collections up an electronic certificate, they need to set conditions for payment, so as to facilitate the realization of customized requirements, and at the same time, enable the seller to better and timely deliver commodity or provide services in a timely manner. For example, the settlement condition may be a collection time, a compliance time and / or a receipt time of the electronic certificate set by the user. By specifying the conditions of payment, the seller may be urged to timely obtain the commodity, deliver the commodity or provide the service, thereby shortening the buyer's waiting time in the transaction.
[0049] Example I:
[0050] As shown in Figure I, the system for automatically configuring the settlement conditions of an electronic certificate in this example includes a receiving unit 10, an analysing unit 20, and a delivering unit 30. The receiving unit 10 is used to receive information such as a card issuing request from the first terminal 40, and the analysing unit 20 is used to determine whether the card issuing request meets the card issuing conditions, determine whether the data of the account provided by the client meets the quota requirement, and the delivery unit 30 is used to feed back the electronic certificate and other relevant information to the Client 40. The following describes the functions of each unit in detail in conjunction with the method for automatically configuring the payment condition of the electronic certificate.
[0051] As shown in Figure I and Figure 2, the method for automatically configuring an Date Recue/Date Received 2021-01-04 electronic certificate solution payment condition in this example includes the following steps:
[0052] S101. The buyer (issuer, electronic certificate applicant) generates a card issuing request at the first terminal 40, and delivers the card issuing request to the receiving unit 10. The first terminal 40 is a client of a certain user. Correspondingly, the clients corresponding to other buyers are the second terminal, the third terminal, and so on. Specifically, the issuing request is used for requesting to open the electronic certificate of the first issuing bank, which includes the issuer's identity information and payment account information, and may also include information specifying the recipient, such as the recipient's name, mobile phone, email address, ID card, micro signal, QQ number and other information that can correspond with the recipient, and the recipient's account (deposit account), etc. It can be understood that the recipient in the place, the actual E-commerce transaction is the seller. By specifying the collector's information, it is convenient for the collector to receive electronic certificate in time. Of course, the buyer may not designate a certificate collector, that is, open an electronic certificate to an unspecified group, so that anyone who obtains the electronic certificate can receive the electronic certificate, thereby enriching the usage of the electronic certificate.
[0053] S102, the issuing bank receives the issuing request through the receiving unit 10, and the analysing unit 20 determines whether the issuing requirements can be met.
If not, the process proceeds to S108, where the delivering unit 30 prompts the buyer to reset the issuing request, or directly ends, and does not open the electronic certificate. If the match is found, S103 is executed.
If not, the process proceeds to S108, where the delivering unit 30 prompts the buyer to reset the issuing request, or directly ends, and does not open the electronic certificate. If the match is found, S103 is executed.
[0054] Specifically, the issuing bank's issuing requirements include verifying the issuer's account number or identity. The issuing bank verifies the issuer's identity information. The verification at this place may have the following situations: the first verification situation refers to whether the issuer has the account opening information at the issuing bank, and the second verification situation refers to whether the issuing applicant is valid or not. That is, the real name verification does not require the issuer to have issue account in the issuing bank. The third verification is whether the applicant has bad credit record, whether it is a white list user or a blacklist user. Specific verification can be achieved by mobile phone dynamic code.
[0055] It can be understood that if there is a designated recipient, the issuing requirements may also include verifying whether the identity of the recipient meets the requirements of the recipient, accordingly, the criteria for judging are: the credit rating of the credit collector, whether the credit card bank exists objectively and whether the credit card bank has the business Date Recue/Date Received 2021-01-04 of receiving the credit card or not.
[0056] In other examples, the issuing requirements may also include verifying identity information, transaction legitimacy, etc. For example, it is legal for adults to purchase cigarettes, which is illegal for minors to purchase cigarettes. Large quantities of national restrictive commodity are not in line with the issuing requirements.
[0057] S103, the issuing bank invokes the data within the buyer's account to obtain funds or credit information. Understandably, the buyer's account specified here may be either the buyer's own account or the buyer's designated other's account, then the issuing bank calls the buyer's designated other's account.
[0058] S104, comparing the quota within the designated account of the buyer with a preset threshold quota. In this example, the preset threshold quota is the preset requirement for automatically configuring the solvency of the electronic certificate.
[0059] If the amount of the designated account in the buyer is greater than or equal to the preset threshold amount, it indicates that there is a sufficient amount in the account, then S105 is executed; if the amount in the designated account of the buyer is less than the preset threshold amount, then the amount in the account is not sufficient, then go to S108, feedback to the buyer, then end the issuing process, that is not open electronic certificate. Of course, it can be understood that the depai intent does not necessarily have to invoke the issuer's account information for comparison, and it can also invoke another person's account to open a card. It should also be understood that the comparison of the funds amount at this point is whether the total amount of funds to be issued is greater than or equal to the total amount available in the account. At this time, the total amount to be opened is understood as the preset threshold amount.
[0060] S105, when the account funds or credit is sufficient, the issuing bank based on the issuer's request, the system automatically configure the settlement conditions of the electronic certificate. Specifically, the settlement conditions may be configured according to the size of the transaction amount, or different settlement conditions may be set according to the credit of the certificate collector or the issuer. It needs to be explained that the condition of payment referred to in the office is, even if the fund is to be paid or the corresponding amount of the credit is obtained, the electronic certificate should be in a system approved payment status, for example, in a scenario, after the buyer receives the subject matter of the transaction, the buyer and the buyer within 7 days of no objection will be able to settle the corresponding amount of the electronic certificate or the corresponding amount of the credit. That is, the amount of the frozen Date Recue/Date Received 2021-01-04 funds in the designated account of the buyer or the credit limit used to allocate to the seller's payment account. Understandably, during this transaction, it may also be set that once the subject matter of the transaction is signed by the seller, the automatic settlement of the term is feasible.
[0061] In an example, this step also requires the issuer to confirm whether to issue a certificate, such as requesting to enter a withdrawal password.
[0062] In another example, the procedure for configuring the solution conditions for the system to configure the electronic certificate can be configured in the buyer client.
[0063] S106, freezing funds (debit card) or using credit (credit card).
[0064] S107: Generate an electronic certificate, and deliver, by the delivering unit 30, the information that the electronic certificate is successfully opened to the buyer. The buyer receives the information that the electronic certificate has been opened to know the status of the electronic certificate.
[0065] Example 2:
[0066] As shown in Figure 3, the method for automatically configuring an electronic certificate payment solution according to this example includes the following steps.
[0067] S201. The buyer (issuer, electronic certificate applicant) generates a card issuing request at the first terminal 40, and delivers the card issuing request to the receiving unit 10.
[0068] S202, the issuing bank receives the issuing request, and determine whether it can meet the issuing requirements. If not, the process proceeds to S208 to feedback the buyer to prompt to re-set the issuing request, or directly end; if yes, execute S203.
In this example, the issuing requirement is the preset requirement for automatically configuring the payment condition of the electronic certificate.
In this example, the issuing requirement is the preset requirement for automatically configuring the payment condition of the electronic certificate.
[0069] S203, automatically configure the payment condition of the electronic certificate.
Specifically, the settlement conditions may be configured according to the size of the transaction amount, or different settlement conditions may be set according to the credit of the certificate collector or the issuer.
Specifically, the settlement conditions may be configured according to the size of the transaction amount, or different settlement conditions may be set according to the credit of the certificate collector or the issuer.
[0070] S204, the issuing bank calls the buyer's account data to obtain funds or credit information.
[0071] S205: determine whether its quota is sufficient or not. If sufficient, execute S206; if insufficient, go to S208, feedback the result to the buyer, and finish the issuing procedure.
[0072] S206, freezing funds (debit card) or using credit (credit card).
Date Recue/Date Received 2021-01-04
Date Recue/Date Received 2021-01-04
[0073] S207: Generate an electronic certificate and deliver the information of the electronic certificate opening success to the buyer.
[0074] The method and system of automatic configuration of electronic certificate settlement conditions of the present invention can flexibly design and configure the solution payment conditions according to specific needs, that is, the settlement conditions can be set in different steps, for example, meet the requirements of the issuance of the permit to automatically configure the electronic certificate solution conditions can also be determined in the buyer designated account within the amount of automatically configure the electronic certificate solution conditions, only need to ensure that the settlement before the issuance of electronic certificate conditions can be configured. The invention can determine whether accord with the request of the certificate open electronic certificate automatic configuration solution to pay conditions, to clear electronic certificate solution to pay conditions, the seller of the payment conditions have a clear understanding, so as to facilitate the seller to complete its tasks according to the requirements and apply for paying effect.
[0075] 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.
[0076] The above is a detailed description of the present invention with specific examples, the specific implementation of the present invention cannot be considered limited to these descriptions. For ordinary technicians in the technical field of the invention, a number of simple extrapolation or replacement can be made without leaving the concept of the invention.
Date Recue/Date Received 2021-01-04
Date Recue/Date Received 2021-01-04
Claims (30)
1. A computer system for automatically configuring payment conditions of an electronic certificate in an electronic transaction, the system comprising:
a receiving unit configured to receive a request for opening the electronic certificate from a first terminal;
an analyzing unit configured to:
compare the request for opening the electronic certificate with a preset requirement for automatically configuring the payment conditions of the electronic certificate for facilitating customized payment service in an electronic transaction; and where if the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate, fail to configure the payment conditions of the electronic certificate automatically for the request for opening the electronic certificate;
otherwise, configure the payment conditions of the electronic certificate automatically.
a receiving unit configured to receive a request for opening the electronic certificate from a first terminal;
an analyzing unit configured to:
compare the request for opening the electronic certificate with a preset requirement for automatically configuring the payment conditions of the electronic certificate for facilitating customized payment service in an electronic transaction; and where if the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate, fail to configure the payment conditions of the electronic certificate automatically for the request for opening the electronic certificate;
otherwise, configure the payment conditions of the electronic certificate automatically.
2. The system of claim 1, wherein the analyzing unit is further configured to:
compare the request for opening the electronic certificate with the preset requirement for opening the electronic certificate;
where if the request for opening the electronic certificate fails to meet the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate; and Date Recue/Date Received 2021-05-27 where if the request for opening the electronic certificate meets the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate.
compare the request for opening the electronic certificate with the preset requirement for opening the electronic certificate;
where if the request for opening the electronic certificate fails to meet the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate; and Date Recue/Date Received 2021-05-27 where if the request for opening the electronic certificate meets the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate.
3. The system of claim 1, wherein the analyzing unit is further configured to:
compare the request for opening the electronic certificate with the preset requirement for opening the electronic certificate;
where if the request for opening the electronic certificate fails to meet the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate;
where if the request for opening the electronic certificate meets the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate;
invoke amount of funds of an account provided by the first terminal to determine whether the amount of funds of the account meets a preset quota requirement;
where if the amount of funds of the account fails to meet the preset quota requirement, determine that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate; and Date Recue/Date Received 2021-05-27 where if the amount of funds of the account meets the preset quota requirement, determine that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate.
compare the request for opening the electronic certificate with the preset requirement for opening the electronic certificate;
where if the request for opening the electronic certificate fails to meet the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate;
where if the request for opening the electronic certificate meets the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate;
invoke amount of funds of an account provided by the first terminal to determine whether the amount of funds of the account meets a preset quota requirement;
where if the amount of funds of the account fails to meet the preset quota requirement, determine that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate; and Date Recue/Date Received 2021-05-27 where if the amount of funds of the account meets the preset quota requirement, determine that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate.
4. The system of claim 3, wherein the analyzing unit is further configured to determine whether the amount of funds of the account meets the preset quota requirement.
5. The system of any one of claims 3 to 4, wherein the analyzing unit is further configured to determine whether a line of credit of the account meets the preset requirement for a line of credit.
6. The system of any one of claims 3 to 5, wherein the analyzing unit is further configured to freeze the amount of funds of the account provided by the first terminal in combination with the automatically configured payment conditions to generate the electronic certificate.
7. The system of any one of claims 1 to 6 further includes a delivering unit.
8. The system of claim 7, wherein the delivering unit is further configured to deliver the electronic certificate to the first terminal.
9. The system of any one of claims 1 to 8, wherein the request for opening the electronic certificate includes identification information of an applicant for the electronic certificate.
10. The system of any one of claims 1 to 9, wherein the request for opening the electronic certificate includes payment account information of the applicant.
11. The system of any one of claims 9 to 10, wherein the applicant is configured for a buyer.
12. The system of any one of claims 1 to 11, wherein the request for opening the electronic certificate includes contact information of a receiver for the electronic certificate.
Date Recue/Date Received 2021-05-27
Date Recue/Date Received 2021-05-27
13. The system of any one of claims 1 to 12, wherein the request for opening the electronic certificate includes deposit account information of the receiver.
14. The system of any one of claims 1 to 13, wherein the receiver is configured for a seller.
15. The system of any one of claims 12 to 14, wherein the receiver may be designated by the buyer.
16. The system of any one of claims 12 to 14, wherein the receiver may be non-specific designated by the buyer so as to enrich the usage of the electronic certificate.
17. A computer method for automatically configuring payment conditions of an electronic certificate in an electronic transaction, the method comprising:
receiving a request for opening the electronic certificate from a first terminal;
comparing the request for opening the electronic certificate with a preset requirement for automatically configuring the payment conditions of the electronic certificate for facilitating customized payment service in an electronic transaction; and where if the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate, failing to configure the payment conditions of the electronic certificate automatically for the request for opening the electronic certificate;
otherwise, configuring the payment conditions of the electronic certificate automatically.
receiving a request for opening the electronic certificate from a first terminal;
comparing the request for opening the electronic certificate with a preset requirement for automatically configuring the payment conditions of the electronic certificate for facilitating customized payment service in an electronic transaction; and where if the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate, failing to configure the payment conditions of the electronic certificate automatically for the request for opening the electronic certificate;
otherwise, configuring the payment conditions of the electronic certificate automatically.
18. The method of claim 17 further includes:
comparing the request for opening the electronic certificate with the preset requirement for opening the electronic certificate;
Date Recue/Date Received 2021-05-27 where if the request for opening the electronic certificate fails to meet the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate; and where if the request for opening the electronic certificate meets the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate.
comparing the request for opening the electronic certificate with the preset requirement for opening the electronic certificate;
Date Recue/Date Received 2021-05-27 where if the request for opening the electronic certificate fails to meet the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate; and where if the request for opening the electronic certificate meets the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate.
19. The method of claim 17 further includes:
comparing the request for opening the electronic certificate with the preset requirement for opening the electronic certificate;
where if the request for opening the electronic certificate fails to meet the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate;
where if the request for opening the electronic certificate meets the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate;
invoking amount of funds of an account provided by the first terminal to determine whether the amount of funds of the account meets a preset quota requirement;
Date Recue/Date Received 2021-05-27 where if the amount of funds of the account fails to meet the preset quota requirement, determining that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate; and where if the amount of funds of the account meets the preset quota requirement, determining that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate.
comparing the request for opening the electronic certificate with the preset requirement for opening the electronic certificate;
where if the request for opening the electronic certificate fails to meet the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate;
where if the request for opening the electronic certificate meets the preset requirement for opening the electronic certificate, determine that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate;
invoking amount of funds of an account provided by the first terminal to determine whether the amount of funds of the account meets a preset quota requirement;
Date Recue/Date Received 2021-05-27 where if the amount of funds of the account fails to meet the preset quota requirement, determining that the request for opening the electronic certificate fails to meet the preset requirement for automatically configuring the payment conditions of the electronic certificate; and where if the amount of funds of the account meets the preset quota requirement, determining that the request for opening the electronic certificate meets the preset requirement for automatically configuring the payment conditions of the electronic certificate.
20. The method of claim 19 further includes determining whether the amount of funds of the account meets the preset quota requirement.
21. The method of any one of claims 19 to 20 further includes determining whether a line of credit of the account meets the preset requirement for a line of credit.
22. The method of any one of claims 17 to 21 further includes freezing the amount of funds of the account provided by the first terminal in combination with the automatically configured payment conditions; and generating the electronic certificate to deliver the electronic certificate to the first terminal.
23. The method of any one of claims 17 to 22, wherein the request for opening the electronic certificate includes identification information of an applicant for the electronic certificate.
24. The method of any one of claims 17 to 23, wherein the request for opening the electronic certificate includes payment account information of the applicant.
25. The method of any one of claims 23 to 24, wherein the applicant is configured for a buyer.
Date Recue/Date Received 2021-05-27
Date Recue/Date Received 2021-05-27
26. The method of any one of claims 17 to 25, wherein the request for opening the electronic certificate includes contact information of a receiver for the electronic certificate.
27. The method of any one of claims 17 to 26, wherein the request for opening the electronic certificate includes deposit account information of the receiver.
28. The method of any one of claims 17 to 27, wherein the receiver is configured for a seller.
29. The method of any one of claims 26 to 28, wherein the receiver may be designated by the buyer.
30. The method of any one of claims 26 to 28, wherein the receiver may be non-specific designated by the buyer so as to enrich the usage of the electronic certificate.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084598 WO2017012029A1 (en) | 2015-07-21 | 2015-07-21 | Method and system for automatically configuring payment conditions of electronic certificate |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CA2994893A1 CA2994893A1 (en) | 2017-01-26 |
| CA2994893C true CA2994893C (en) | 2021-07-27 |
Family
ID=57833610
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2994893A Active CA2994893C (en) | 2015-07-21 | 2015-07-21 | Method and system for automatically configuring payment conditions of electronic certificate |
Country Status (2)
| Country | Link |
|---|---|
| CA (1) | CA2994893C (en) |
| WO (1) | WO2017012029A1 (en) |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101377838A (en) * | 2007-08-30 | 2009-03-04 | 北京方维银通科技有限公司 | Data safety processing method |
| CN103377428A (en) * | 2012-04-16 | 2013-10-30 | 上海博路信息技术有限公司 | Shopping self-payment system |
| CN104637192B (en) * | 2013-11-07 | 2018-08-14 | 华为技术有限公司 | A kind of stored value card and its application method, mobile terminal and electronic ticket transaction system |
| CN104766203A (en) * | 2015-03-27 | 2015-07-08 | 王小凡 | High-security electronic payment method for intelligent terminals |
-
2015
- 2015-07-21 WO PCT/CN2015/084598 patent/WO2017012029A1/en active Application Filing
- 2015-07-21 CA CA2994893A patent/CA2994893C/en active Active
Also Published As
| Publication number | Publication date |
|---|---|
| CA2994893A1 (en) | 2017-01-26 |
| WO2017012029A1 (en) | 2017-01-26 |
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| Date | Code | Title | Description |
|---|---|---|---|
| EEER | Examination request |
Effective date: 20200623 |