CA2994901A1 - Method, device, and system for withdrawing electronic certificate application - Google Patents

Method, device, and system for withdrawing electronic certificate application Download PDF

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Publication number
CA2994901A1
CA2994901A1 CA2994901A CA2994901A CA2994901A1 CA 2994901 A1 CA2994901 A1 CA 2994901A1 CA 2994901 A CA2994901 A CA 2994901A CA 2994901 A CA2994901 A CA 2994901A CA 2994901 A1 CA2994901 A1 CA 2994901A1
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CA
Canada
Prior art keywords
application
electronic certificate
request
funds
opening
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Pending
Application number
CA2994901A
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French (fr)
Inventor
Yi Zhang
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10353744 Canada Ltd
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10353744 Canada Ltd
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Publication of CA2994901A1 publication Critical patent/CA2994901A1/en
Pending legal-status Critical Current

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Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions

Abstract

A method, device, and system for withdrawing an electronic certificate application. The method comprises: receiving an electronic certificate issuing request submitted by an applicant end; determining whether or not the applicant end corresponding to the electronic certificate issuing request satisfies a certificate issuing criterion; if yes, then feeding back certificate issuance permissible prompt information to the applicant end; and when the applicant end chooses not to operate according to the certificate issuance permissible prompt information, if the fund management server receives a request submitted by the applicant end to withdraw the electronic certificate issuing application, then terminating the electronic certificate issuing process. Even after the fund management server prompts the applicant end that certificate issuance is permissible, the applicant end still has an opportunity for determining whether or not to withdraw the certificate issuing request, thus enhancing user experience in an application process for an electronic certificate.

Description

Method, Device, And System For Withdrawing Electronic Certificate Application Technical Field [0001] The present invention relates to the field of network payment technology, and in particular, to a method, a device and a system for withdrawing an electronic certificate application.
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.
However, in the current E-commerce applications, the transfer of funds mainly depends on the traditional way of electronic direct transfer payment and third-party payment, with a single payment method.
Technical problem
[0003] The main object of the present invention is to provide a withdrawal method, device and system for electronic certificate application, aiming to provide a Funds-Management server to the applicant after prompting can be opened, the applicant still has the opportunity to determine whether the need to withdraw. The method of issuing a request for certification improves the user experience of the electronic certificate in the application process.
Problem solving solution Technical solutions
[0004] In order to achieve the above objective, the present invention provides a withdrawal method for an electronic certificate application applicable to a Funds-Management server, including:
[0005] Receiving an application for opening electronic certificate submitted by the requesting terminal, determine whether the opening of the electronic certificate corresponding to the applicant application meets the issuing conditions;
[0006] If yes, then the application can be provided with a prompt message;
[0007] If the Funds-Management server receives a request for withdrawing an electronic certificate application submitted by the application terminal;
[0008] The opening process of the electronic certificate is terminated.
[0009] According to another aspect of the present invention, it is provided a method for . CA 02994901 2018-02-06 withdrawing an electronic certificate application, which is applicable to an application terminal, including:
[0010] Submit Funds-Management server electronic certificate request;
[0011] Receiving the opening indication information of the Funds-Management server feedback;
[0012] Submit a request for withdrawal of electronic certificate request to Funds-Management server.
[0013] According to another aspect of the present invention, it is provided a system for withdrawing an electronic certificate application, including: an application server and a Funds-Management server, wherein,
[0014] The application terminal is used to submit an electronic certificate request to the Funds-Management server; receive the issuing prompt information fed back by the Funds-Management server; and submit a request for withdrawing the electronic certificate to the Funds-Management server application;
[0015] The Funds-Management server is used to receive a request for opening an electronic certificate submitted by an applicant, and determine whether an applicant corresponding to the request for opening an electronic certificate meets a requirement for issuing a card; if yes, then the applicant can be fed back issuing certificate prompt information; and if it receives a request for withdrawing the application for opening an electronic certificate submitted by the applicant terminal, terminating the process of opening the electronic certificate.
[0016] According to another aspect of the present invention, it is provided a withdrawal application of an electronic certificate application applicable to a Funds-Management server, including:
[0017] A first receiving module is used to receive the request for opening electronic certificate submitted by the applicant;
[0018] A first judging module is used to judge whether the application terminal corresponding to the request for opening the electronic certificate meets the issuing conditions;
[0019] The first feedback module is used to feed back the issuing certificate prompting information to the application terminal when the issuing conditions are met;
[0020] The termination module is used to terminate the process of opening the electronic certificate after receiving a request for withdrawing the application for opening the electronic certificate.
The beneficial effect of the invention Beneficial effect
[0021] After the Funds-Management server prompts the applicant to open a certificate, the applicant still has a chance to determine whether it needs to withdraw the request for the method of issuing certificate to improve the electronic certificate in the application process of user experience.
A brief description of the drawings Brief Description
[0022] Figure 1 is a flow chart of a method for withdrawing an electronic certificate application according to the first example of the present invention;
[0023] Figure 2 is a flow chart of a method for withdrawing an electronic certificate application according to Example two of the present invention;
[0024] Figure 3 is a schematic view of the withdrawal system of an electronic certificate application provided by the third example of the present invention;
[0025] Figure 4 is a fourth example of the present invention provides an electronic certificate application withdrawing device structure.
[0026] 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
[0027] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.
[0028] At present, the electronic certificate is a new type of network payment method, compared with the traditional network payment methods, it greatly reducing the transaction risk, protect the interests of buyers and sellers. The buyer applies for funds management account with its account funds or credit limit as a security deposit, and the fund management institution promises to process the payment and settlement of electronic credit certificates according to the terms of the settlement. The payment method is based on the fund management institution credit commitment to pay a basic tool for Internet innovation, mainly aim at the buyer's commodity, the seller downloads the access interface of the cashier. The buyer completes the opening of electronic certificate, the seller completes the receipt, performs the contract, delivers the solution, and finally automatically releases the electronic credit certificate. The payment method cannot only be purchased with the commodity, but can also be used for collateral.
[0029] In the basic process of electronic certificate, in the process of issuing to the bank, it is necessary to fill in more information, such as the identity information of the issuer, the account information used to freeze the funds, the opening amount, etc. In some cases, it also need to fill in the credit card information, payment mode and other information, fill in . CA 02994901 2018-02-06 the information, the user complete the information to the bank to complete the issuing.
However, the client cannot withdraw the application after submitting the application.
[0030] In the example of the present invention, an electronic certificate is a payment certificate of funds that the funds management institution, based on the applicant's application, froze the applicant's funds or credit limit and opened in the name of the bank and promised to settle in accordance with the agreed conditions electronic credit commitment. The electronic certificate may be a buyer's commodity. The seller downloads the check-in interface, and the buyer completes 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 buying commodity, but also be used for mortgage guarantees. A fund management institution is an institution that can support capital flows, including but not limited to banks and other financial institutions (such as securities institutions). Correspondingly, Funds-Management server includes a bank server or other financial institution server; funds management account includes a bank loan account or an account of another financial institution.
[0031] The process of an online payment transaction through an electronic certificate is generally as follows: After the buyer and the seller form an order, the buyer applies to a first Funds-Management server (a server of issuing funds management institution) through an application (issuing terminal) issuing. Of course, the buyer can also take the initiative to apply for a license without a transaction order. After the Funds-Management server accepts the application, it opens an electronic certificate according to the issuing application and freezes the funds or credit line of the buyer's account for the corresponding amount. After the seller confirms the order, he / she applies to the second Funds-Management server (the server of the funds management institution) via the seller (receiving terminal), and the second Funds-Management server verifies the information and receives the certificate.
Electronic certificate into compliance period, waiting for the seller to deliver commodity or provide services. After the seller fulfils the contract during the performance period, the second Funds-Management server submits the fulfilment information (such as logistics number), the second Funds-Management server changes the status of the electronic certificate, and the electronic certificate enters the period of receipt and waits for the buyer to sign for the commodity. When the buyer signs the commodity within the period of receipt, that is to say, the seller completes the corresponding transaction conditions according to the settlement conditions of the electronic certificate, and the electronic certificate enters the settlement period. The seller applies for the second Funds-Management server to apply for the settlement to the Funds-Management server within the time limit for applying for settlement, and after the Funds-Management server determines that the conditions for the settlement have been reached, the funds or credit of the frozen amount of the buyer's account is released The funds will be transferred to the second Funds-Management server, and the funds will be transferred by the second Funds-Management server into the seller's designated receiving account (i.e., the collecting account). At this point, the completion of online payment, the entire transaction is completed.
[0032] In this example of the present invention, the requesting terminal delivers an application for establishing an electronic certificate to the Funds-Management server, and may be a terminal operated by a natural person, a legal person or his organization. The issuer (buyer) applies the terminal to the Funds-Management server to open an electronic certificate, and the Funds-Management server has frozen the corresponding fund (or credit limit) of the issuer account to open the electronic certificate.
[0033] Example 1
[0034] Figure 1 is a flow chart of a method for withdrawing an electronic certificate application applicable to a Funds-Management server according to this example. The method includes:
[0035] S11, receiving a request for opening an electronic certificate submitted by an applicant;
[0036] S12, judging whether the application terminal corresponding to the request for opening an electronic certificate meets the issuing conditions;
[0037] In step S12, the request for opening the electronic certificate includes, but is not limited to, bank account information of the applicant, account funds of the applicant, identity information submitted by the applicant, credit limit and guarantee conditions.
In some examples, firstly, it is verified whether the identity information and the bank account information submitted by the application terminal meet the preset requirements of the Funds-Management server, whether the bank account information submitted by the application terminal is legal and valid, and it is determined that the application terminal submits of the account funds or credit limit or bank account information submitted by the applicant to obtain the account funds or credit limit is greater than the Funds-Management server preset opening amount, etc., if the above conditions for the issuance of a preset condition, then it meet the issuing conditions; otherwise, proceeding to step S16: feeding back an error prompt message to the application terminal.
[0038] In this example, the Funds-Management server is specifically a server of an issuing bank.
After the issuing bank prompts the issuer's terminal for issuing the certificate through the server, the issuer still has the opportunity to determine whether to withdraw the opening request method and improve the user experience of electronic certificate in the application . CA 02994901 2018-02-06 process.
[0039] In this example, whether bank account information and account funds on the application terminal are greater than the preset opening amount of the Funds-Management server is a prerequisite in the issuing conditions.
[0040] S13, if yes, feeding back issuing prompting information to the application terminal;
[0041] In step S13, after the application submits the request for establishing the electronic certificate, the Funds-Management server feeds back the issuing certificate prompting information to the application when the application complies with the issuing conditions, but in order to prevent the application from submitting the certificate. For example, if the amount is incorrectly filled, or if another payment method is found after submitting the issuing request and it want to withdraw the application for issuing the requisition, Funds-Management server will deliver the application again to confirm whether the application terminal operates according to the issuing prompt information.
After the Funds-Management server provides a prompt to the application terminal for issuance of the certificate, the application terminal still has a chance to determine whether the card issuing request needs to be withdrawn method to improve the electronic certificate in the application process of user experience.
[0042] S14. If the Funds-Management server receives a request for withdrawal of an electronic certificate application submitted by the application terminal;
[0043] S15, terminate the opening process of the electronic certificate.
[0044] In this example, after the step S14 and before step S15, the method further includes:
[0045] read the withdraw request for opening electronic certificate application, the withdraw request for opening electronic certificate application includes the reason for the withdrawal;
[0046] To determine whether the reason for the withdrawal Funds-Management server default list of reasons for the withdrawal, if not, then dismissed the request to open electronic certificate application;
[0047] If yes, then agree to withdraw the request for the application of electronic certificate, terminate the process of opening the electronic certificate.
[0048] Example 2
[0049] As shown in Figure 2, the method for withdrawing an electronic certificate application applicable to an application terminal according to this example includes:
[0050] S21, submit an electronic certificate request to the Funds-Management server;
[0051] The request for opening the electronic certificate includes: bank account information of the requesting terminal, account funds of the requesting terminal, identity information submitted by the requesting terminal, a credit limit and a guarantee condition. Specifically, first, identity information submitted by the requesting terminal and whether the bank account information meets the preset requirements of the Funds-Management server, whether the bank account information of the application terminal is legal and valid, whether the account funds or the credit limit of the application terminal are greater than the preset opening amount of the Funds-Management server, etc. If the above conditions are met, it is in line with the issuing conditions, otherwise, feedback to the application terminal error message.
[0052] S22, receiving the issuing prompt information fed back by the Funds-Management server;
[0053] After the application terminal submits the request for opening the electronic certificate, the Funds-Management server may deliver a certificate of issuing certificate to the application terminal when the application terminal meets the issuing conditions, but in order to prevent the application terminal from submitting the issuing request. For example, if the amount is incorrectly filled in, or after submitting the issuing request, finding another payment method and wanting to withdraw the application for issuing the certificate, the Funds-Management server will confirm the request again with the applicant whether the application terminal operates according to the issuing prompt information.
[0054] S23, Submit an application for withdrawing the electronic certificate request to Funds-Management server;
[0055] If the Funds-Management server receives a request for withdrawing an application for opening an electronic certificate submitted by the applicant, the process of opening the electronic certificate is terminated, and in this step, a Funds-Management server provides the application after the terminal prompts to open a permit, the applicant still has a chance to determine whether to withdraw the request for issuance and improve the user experience of the electronic certificate in the application process.
[0056] Example 3
[0057] As shown in Figure 3, the withdrawal system of the electronic certificate application in this example includes: an application terminal and a Funds-Management server,
[0058] The application terminal is used to submit an electronic certificate request to the Funds-Management server; receive the issuing prompt information fed back by the Funds-Management server; and submit a request for withdrawing the electronic certificate to the Funds-Management server application;
[0059] The Funds-Management server is used to receive a request for opening an electronic certificate submitted by an applicant, and determine whether an applicant corresponding to the request for opening an electronic certificate meets a requirement for issuing a card; if yes, then the applicant can be fed back issuing certificate prompt information; and if it receives a request for withdrawing the application for opening an electronic certificate submitted by the applicant terminal, terminating the process of opening the electronic certificate.
[0060] Example 4
[0061] As shown in Figure 4, this example is applicable to a withdrawal device for an electronic certificate application of a Funds-Management server, which includes:
[0062] A first receiving module is used to receive the request for opening electronic certificate submitted by the applicant;
[0063] A first judging module is used to judge whether the application terminal corresponding to the request for opening the electronic certificate meets the issuing conditions;
[0064] The first feedback module is used to feed back the issuing certificate prompting information to the application terminal when the issuing conditions are met;
[0065] The termination module is used to terminate the process of opening the electronic certificate if a request for withdrawing the application for opening the electronic certificate is received.
[0066] Wherein the judging module includes
[0067] first judging unit is used to judge whether the identity information and the bank account information submitted by the application terminal meet the preset requirements of the Funds-Management server;
[0068] The second judgement unit is used to judge whether the account funds or the credit limit of the application terminal is greater than the sum of the identity information and the bank account information submitted by the application terminal when the information submitted by the application terminal satisfies the preset requirement of the Funds-Management server Funds-Management server. If not, it is determined that the application does not meet the conditions for issuing the card, and if it is, then it is determined that the application complies with the conditions for issuing the card.
[0069] Wherein the second feedback module is further set to feed back the error prompt information to the application terminal when the application terminal does not meet the issuing conditions.
[0070] In this example, the withdrawing device further includes a second receiving module used to receive the withdrawal electronic file submitted by the requester when the applicant selects not to operate according to the issuing prompt information certificate application request.
[0071] In this example, the withdrawing device further includes a second determining module, which is used to read the request for withdrawing the application for opening the electronic =

certificate, and the request for withdrawing the application for opening the electronic certificate includes the reason for the withdrawal; and determining whether the withdrawal reason is not found in the withdrawal reason list preset by the Funds-Management server, the request for withdrawing the application for opening the electronic certificate is rejected;
if the request is rejected, the application for withdrawing the application for electronic certificate is terminated and the termination The opening of electronic certificate.
[0072] The system and device for providing an electronic certificate provided by the above example belongs to the same concept as the method example for opening an electronic certificate. For the specific implementation process, refer to the method example for details. The technical characteristics of the method are applicable in the system implementation cases.
[0073] It will be understood by the ordinary skill in the field that the realization of all or part of the steps of the method described above may be controlled by a program to control the associated hardware completion, which may be stored in a computer-readable storage medium. The storage medium may be ROM / RAM, a magnetic disk, an optical disk, etc.
[0074] It is to be understood that the above is only a preferred example of the present invention and is not intended to limit the scope of the invention as a matter of limitation, either by way of equivalent construction or equivalent process transformation using the present specification and the accompanying drawings, directly or indirectly used in other related technical fields, which are included in the scope of the patent protection of the present invention.
Industrial utility
[0075] After the Funds-Management server prompts the applicant to open a certificate, the applicant still has a chance to determine whether it needs to withdraw the request for the method of issuing certificate to improve the electronic certificate in the application process of user experience. Therefore, it has industrial applicability.

Claims (10)

  1. The Claims [Claims 1] A method for withdrawing an electronic certificate application applicable to Funds-Management server includes:
    Receiving a request for opening an electronic certificate submitted by an applicant, and determining whether an applicant corresponding to the request for opening an electronic certificate meets a requirement for issuing a certificate;
    If yes, then the applicant can be fed back issuing certificate information;
    If the Funds-Management server receives the request for withdrawing the application for opening an electronic certificate submitted by the application terminal, The process of opening the electronic certificate is terminated.
  2. [Claim 2] The method for withdrawing an electronic certificate application according to Claim 1, wherein after the step of feeding back the issuing prompting information to the application terminal, the step of receiving the application if the Funds-Management server receives the application before submitting the request for the withdrawal of the application for electronic certificate, the following is also included:
    Confirming to the application terminal whether to operate according to the issuing prompt message;
    When the applicant chooses not to operate according to the issuing prompt information, the Funds-Management server receives the request for withdrawing the application for opening the electronic certificate submitted by the applicant.
  3. [Claim 3] The method for withdrawing an electronic certificate application according to Claim 2, wherein if the Funds-Management server receives a request for withdrawing an application for opening an electronic certificate submitted by the application terminal, after the step of terminating the electronic before the steps of the certificate establishment process, it also includes:
    Read the request for withdrawing the application for opening the electronic certificate, and the request for withdrawing the application for opening the electronic certificate includes the reason for the withdrawal;
    Determine whether the withdrawal reason is in the withdrawal reason list preset by the Funds-Management server, if not, reject the request for withdrawing the application for opening the electronic certificate;

    If yes, agree to withdraw the application for opening an electronic certificate and terminate the process of opening the electronic certificate.
  4. [Claim 4] The method for withdrawing an electronic certificate application according to Claim 1, wherein the receiving a request for opening an electronic certificate submitted by an application terminal and determining whether the application terminal corresponding to the request for opening the electronic certificate complies with issuing conditions include:
    Funds-Management server received the request to open electronic certificate;
    Judging whether the identity information and the bank account information submitted by the application terminal meet the preset requirements of the Funds-Management server; if not, delivering an error prompt message to the application terminal;
    If the identity information and the bank account information submitted by the application terminal meet the preset requirements of the Funds-Management server, determining whether the account funds or the credit limit of the application terminal is greater than the preset issuing amount of the Funds-Management server. If not, feeding back an error prompt message to the application terminal;
    If the account funds or the credit limit of the application terminal is greater than the preset issuing amount of the Funds-Management server, determining that the application terminal meets the issuing conditions.
  5. [Claim 5] A method for withdrawing an electronic certificate application, applicable to an application terminal, including:
    Submit an electronic certificate request to Funds-Management server;
    Receiving the issuing prompt information fed back by the Funds-Management server;
    Submit a request for withdrawal of electronic certificate request to Funds-Management server.
  6. [Claim 6] The method for withdrawing an electronic certificate application according to Claim 5, wherein after the step of receiving a confirmation instruction of whether to operate according to the issuing prompt information, the method also include:
    Receiving a confirmation instruction of whether to operate according to the issuing prompt information;
    When the applicant chooses not to operate according to the issuing prompt message, the application for withdrawing the application for electronic certificate is submitted to the Funds-Management server If the applicant terminal operates according to the issuing prompting message, it enters the issuing procedure.
  7. [Claim 7] A withdrawal system for an electronic certificate application, including: an application terminal and a Funds-Management server, The application terminal is used to submit an electronic certificate request to the Funds-Management server; receive the issuing prompt information fed back by the Funds-Management server; and submit a request for withdrawing the electronic certificate to the Funds-Management server application;
    The Funds-Management server is used to receive a request for opening an electronic certificate submitted by an applicant, and determine whether an applicant corresponding to the request for opening an electronic certificate meets a requirement for issuing a card; if yes, then the applicant can be fed back issuing certificate prompt information; and if it receives a request for withdrawing the application for opening an electronic certificate submitted by the applicant terminal, terminating the process of opening the electronic certificate.
  8. [Claim 8] A withdrawal device for an electronic certificate application applicable to a Funds-Management server, including:
    A first receiving module is used to receive the request for opening electronic certificate submitted by the applicant;
    A first judging module is used to judge whether the application terminal corresponding to the request for opening the electronic certificate meets the issuing conditions;
    The first feedback module is used to feed back the issuing certificate prompting information to the application terminal when the issuing conditions are met;
    The termination module is used to terminate the process of opening the electronic certificate after receiving a request for withdrawing the application for opening the electronic certificate.
  9. [Claim 9] The electronic device for withdrawing certificate application according to Claim 8, further comprising:
    A second receiving module is used to receive a request for withdrawal of an application for opening an electronic certificate submitted by the applicant when the applicant chooses not to operate in accordance with the promissory prompting information.
  10. [Claim 10] The electronic device for withdrawing certificate application according to Claim 8, further comprising:

    A second judging module is used to read the request for withdrawing the application for opening the electronic certificate, and the request for withdrawing the application for opening the electronic certificate includes the reason for the withdrawal; and determining whether the withdrawal reason is not found in the withdrawal reason list preset by the Funds-Management server, the request for withdrawing the application for opening the electronic certificate is rejected; if the request is rejected, the application for withdrawing the application for electronic certificate is terminated and the termination The opening of electronic certificate.
CA2994901A 2015-07-21 2015-07-21 Method, device, and system for withdrawing electronic certificate application Pending CA2994901A1 (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084656 WO2017012059A1 (en) 2015-07-21 2015-07-21 Method, device, and system for withdrawing electronic certificate application

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KR102332494B1 (en) 2019-09-11 2021-11-30 한국도로공사 Apparatus and Method for Generating Distribution Information on Positioning Difference between GNSS Postioning Information and Precise Positioning Information

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CN103093404A (en) * 2013-01-30 2013-05-08 北京工业大学 Digitization ordering method combined with information push
CN103955832A (en) * 2014-03-03 2014-07-30 江苏惠居乐信息科技有限公司 O2O e-commerce system facing industry of household building materials
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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