CA2994977C - Network transaction-based refill method and device - Google Patents

Abstract

A network transaction-based refill method and device. The method comprises: receiving a refill request transmitted by a first terminal (101), where the refill request carries a paying account, a refill amount, and a receiving account; paying a fund of the refill amount in the paying account to the receiving account (102); freezing the fund of the refill amount received in the receiving account and generating a refill voucher corresponding to the refill amount (103); and transmitting the refill voucher to the first terminal (104).

Description

Network Transaction-Based Refill Method And Device [1] [Technical Field]

[2] The present invention relates to the field of communications technologies, and in particular, to a method and device for recharging based on network transactions.

[3] [Background Technology]

[4] E-commerce has gradually become the main trend of Internet economic development, online consumption has gradually become a way of life for people. In order to make the transaction more convenient and faster, the merchants generally use the preferential activities to attract customers to reload before spending. The traditional method of reloading, the customer has already put the money into the merchant's account before it is consumed, and the merchant can control the customer's money at will. Since funds are not under the control of customers, they cannot guarantee the safety of customer funds.

[5] [Summary of the Invention]

[6] Based on this, it is necessary to provide a method and a device for recharging based on network transaction that can improve fund safety in view of the above technical problem.

[7] A network transaction based recharge method, the method including:

[8] Receive a recharge request delivered by a first terminal, where the recharge request carries a payment account, a recharge amount and a payment account;

[9] Pay the funds in the payment account into the payment account;

[10] Freezing the funds of the recharging amount received in the remittance account and generating a recharging certificate corresponding to the recharging amount;

[11] The recharge certificate is delivered to the first terminal.

[12] A network transaction-based recharge device, the device including:

[13] The request receiving module is used to receive the recharge request delivered by the first terminal, and the recharge request carries the payment account, the amount of the recharge and the receivable account;

[14] A fund payment module is used to pay the amount of the charged amount in the payment account to the receiving account;

[15] A certificate generating module is used for freezing the funds of the recharging amount received in the remittance account and generating a recharging certificate corresponding to the recharging amount;

[16] An information delivering module is used to deliver the recharge certificate to the first terminal.

[17] The above method and device for replenishing online transactions, although the funds for customer replenishment have been transferred from the payment account to the merchant's payment account, the funds are frozen in the payment account, and the service provided by the merchant is enjoyed by the customer before, businesses are unable to control customer recharge of funds, thus ensuring the safety of customer funds.

[18] [Brief Description]

[19] In order to specifically illustrate the examples of the invention or the technical solutions in the current technology, the following drawings, which are to be used in the description of the examples or the current technology, will be briefly described, and it will be apparent that the following accompanying drawings, which are merely exemplary of the invention, may be made by those of ordinary skill in the art in view of the accompanying drawings, in which the drawings of other examples may be obtained without departing from the inventive work.

[20] Figure 1 is a schematic flow chart of a method for recharging a web-based transaction in one example.

[21] Figure 2 is a flow chart of a method for recharging a web-based transaction after the step of delivering the recharge certificate to a first terminal in one example;

[22] Figure 3 is a schematic flow chart of a method for recharging a web-based transaction in another example;

[23] Figure 4 is an application scene diagram of a network transaction based recharge method in one example;

[24] Figure 5 is a schematic structural diagram of a network transaction-based recharging device in one example;

[25] Figure 6 is a schematic structural diagram of a network transaction based recharging device in another example;

[26] Figure 7 is a schematic structural diagram of a network transaction based recharging device in another example;

[27] Figure 8 is a schematic structural diagram of a network transaction based recharging device in another example;

[28] Figure 9 is a schematic structural diagram of a network transaction-based recharging device in another example.

[29] [Description of the Preferred Examples]

[30] In order to make the purpose, the technical solution and advantages of the invention more clearly understood, the following explanations further explain the invention according to the attached drawings and examples. It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.

[31] As shown in Figure 1, in one example, it is provided a network transaction-based recharging method, which includes the following steps:

[32] Step 101: Receive a recharging request delivered by the first terminal.

[33] The first terminal corresponds to a customer or a buyer, and the customer may pre-charge in the recharging system before consuming. In this example, the server is used for implementing the recharging function receives the recharging request delivered by the first terminal. Specifically, the server may be a bank-provided server or a server provided by a third-party payment platform. The customer completes the recharge task through the first terminal login recharge system. The recharge request carries the payment account, the recharge amount, and the payment account. A payment account is an account used by a customer to pay a rechargeable fund. A collection account is an account used by a merchant to obtain funds. The user selects the account type on the top-up interface and fill in the payment account, receiving account and recharge amount, and click the top-up button to complete the submitting of the top-up request.

[34] Step 102: Pay the funds in the payment account to the collection account.

[35] The server allocates the funds in the receiving account equal to the top up amount to the receiving account. If the receiving account and the receiving account belong to the same type of account, there is only one server here. For example, if the payment account and collection account are CCB accounts, they belong to bank transfer, and the server refers to the server provided by CCB. If the receivable account is different from the payment account, it belongs to the cross bank transfer, the receivable account and the payment account have the corresponding server. For example, if the payment account is China Construction Bank and the receiving account is Agricultural Bank of China, the corresponding server includes First Server corresponding to China Construction Bank and Second Server corresponding to Agricultural Bank of China. The server here is not limited to a bank-provided server, but also includes: a third-party payment platform (for example, Alipay). In one example, before step 102, the server also needs to verify the user name and password of the payment account to ensure the security of the funds.

[36] Step 103: Freeze the funds of the recharging amount received in the receiving account and generate the recharging certificate corresponding to the recharging amount.
Recharge certificate are used to certify that the server has successfully frozen the funds in the payment account in the electronic receipt of the payment account. The recharge certificate =

contains various types of information such as recharge amount, recharge time, payment account number, collection account number and customer's electronic signature, ect. The frozen funds are not dominated by the merchant corresponding to the receiving account.

[37] Step 104: Deliver the recharge certificate to the first terminal.

[38] After obtaining the recharge certificate from the first terminal, the customer can complete payment and settlement with the merchant. The message of successful recharging includes information such as a recharged user name and recharge amount. In an example, the server further delivers a message of successful recharging to the second terminal, so that the merchant can grasp the recharge status of the customer in time.

[39] The above method is used for replenishing online transactions, although the funds for customer replenishment have been transferred from the payment account to the merchant's payment account, the funds are frozen in the payment account, and the service provided by the merchant is enjoyed by the customer before, businesses are unable to control customer recharge of funds, thus ensuring the safety of customer funds.

[40] As shown in Figure 2, in an example, the recharge request further carries a fund settlement condition, where the recharge certificate includes the fund release condition;
and in step 104, the recharge certificate is delivered to the first terminal afterwards, the provided method for recharging based on network transaction further includes the following steps:

[41] Step 201: Obtain recharge certificate and transaction certificate delivered by the first terminal.

[42] The transaction certificate is an electronic certificate generated by the client through the network transaction between the first terminal and the merchant through the second terminal. Funding solution conditions refers to the funds from the frozen state to release conditions need to meet the conditions. Customers in the process of recharging can set the conditions for payment of funds. For example, users often need to fly by plane, and in the process of recharging, they can set the fund settlement conditions to purchase air tickets.
Payment can be completed only when a customer uses a charge certificate to buy a ticket.

[43] Transaction certificate are electronic data used to prove that a client and a merchant have completed an online transaction and have recorded transaction details. The transaction electronic certificate contains the purpose of the fund and the transaction amount. Wherein, the use of funds refers to the types of clients and business networks parent.
The transaction amount refers to the transaction costs of the Internet trading.

[44] Step 202: Verify whether the recharge certificate is valid. If so, then go to Step 203, if not, then the end. In order to prevent the recharge certificate from being forged or used by the client itself, the validity of the certificate recharge needs to be verified.
Specifically, the certificate may be validated by checking the user's electronic signature on the certificate, if yes, go to step 203.

[45] Step 203, it is determined whether the use of funds is consistent with the settlement conditions. If yes, go to step 204 and release the funds already frozen in the receiving account equal to the transaction amount. If not, then end.

[46] The server compares the use of funds with the conditions for the settlement of funds to determine whether the two are exactly the same. It is only when the two are completely at the same time that the fund releases. The purpose of doing so is to further verify the identity of the user of the funds and improve the security of the top-up funds. After the server releases the funds in the receiving account, the merchant can freely control the funds and realize the payment of the network transaction. The above method does not require the user to complete the transaction with the merchant network through the post-bank third-party payment platform, and the customer can pay more than once by recharging, which makes the payment more convenient and quicker and improves the payment efficiency.

[47] Step 205: Generate a released payment result message, and deliver the payment result message to the first terminal.

[48] The server feedbacks the payment result message to the first terminal, so that the customer can know the payment result in time. If the payment is successful, the payment result message is a payment success message, indicating that the payment for the network transaction is completed. If the recharge amount of the certificate is less than the transaction amount or the payment fails due to other reasons, the generated payment result message is a payment failure message. Customers and businesses need to re-pay the settlement.

[49] In one example, the method further includes: when the payment result message is a payment successful message, updating the recharge amount of the recharge certificate according to the transaction amount, synchronizing the updated remaining amount content to the first terminal, and notifying the user

[50] Since the recharge amount of the certificate is used to pay the expenses incurred by the customer, the recharge amount will be reduced accordingly. The server updates the recharge amount in real time and returns the recharge amount to the first terminal, so that the customer can grasp the dynamic of their consumption in time. The user is informed that after the first terminal receives the updated remaining amount, the user may be reminded in the form of a ring tone and / or a vibration of how much money is left by using the ring and/or vibration mode.

[51] As shown in Figure 3, in one example, the network transaction based recharge method further includes:

[52] Step 301: Receive a fund withdrawal certificate and a recharge certificate delivered by the first terminal.

[53] Step 302: Verify whether the recharge certificate is valid. If so, then go to Step 303, if not, then the end.

[54] Step 303: Determine whether the withdrawal condition of the fund satisfies the preset condition, if yes, proceed to step 304, otherwise, end.

[55] Step 304: Release the funds in the receiving account equal to the amount withdrawn from the frozen funds.

[56] Step 305, refund the unfrozen funds to the payment account.

[57] Funding withdrawal refers to the refund of the funds frozen in the merchant's payment account to the payment account that the customer uses to pay for the funds.
The purpose of setting a funds withdrawal is to further protect the safety of customer funds, to prevent the risk of financial losses to the clients from dishonest merchants. Clients and merchants may agree that withdrawal of funds is unconditional and may be conditionally withdrawn as agreed by both parties. Funding withdrawal certificate includes the amount of withdrawal and withdrawal of funds.

[58] In this example, although the recharging funds are not in the customer's receiving account, the customer still has the right to withdraw the funds, which effectively ensures the security of the funds and at the same time, it can urge the merchants to provide the clients with better quality service, achieve the goal of double benefit.

[59] In one example, the method further includes: after the funds are returned to the payment account, succeeding, updating the recharging amount of the recharging document according to the reimbursement amount, and synchronizing the updating result to the first terminal.

[60] When the withdrawal of funds is successful, the recharge amount of the recharge certificate is updated according to the withdrawal amount, and the update result is delivered to the first terminal. In this example, the result of the withdrawal of funds is reflected by the updated recharge amount, and the client can understand the processing result of the server's withdrawal in the first time.

[61] As shown in Figure 4, in an example, the User A obtains the recharge certificate through the first terminal 20 by recharging the server 10. The User A obtains the transaction certificate through the first terminal 20 and the merchant B through the second terminal 30 for network transaction. The first terminal 20 delivers the top-up certificate and the =

transaction certificate to the server 10 to complete the payment processing by the server 10.

[62] When required, the purpose of the certificate is varied. The payment of the online transaction between the above example customer and the merchant is only for the convenience of understanding the technical solution of the present invention.
It does not limit the application of recharge certificates. Here are a few examples of recharging certificates. For example, the payment certificate is used to process the annual card of the merchant. When the user consumes, he can partially pay the frozen funds for payment. If the user cancels the card, the remaining funds can be withdrawn at any time.

[63] As shown in Figure 5, a network-based recharge device is provided, which includes the following modules:

[64] The request receiving module 50 is used to receive the recharge request delivered by the first terminal, and the recharge request carries the payment account, the amount of the recharge and the receivable account.

[65] The fund payment module 51 is used to pay the fund of the reimbursement amount in the payment account to the collection account.

[66] The certificate generating module 52 is used to freeze funds of the recharging amount received in the receiving account and generate a recharging certificate corresponding to the recharging amount.

[67] The information delivering module 53 is used to deliver the recharge certificate to the first terminal.

[68] As shown in Figure 6, in an example, the recharge request further carries a fund settlement condition, and the recharge certificate includes the fund settlement condition; and the network transaction-based recharging device further includes:

[69] The first information acquisition module 60 is used to acquire a recharge certificate delivered by the first terminal and a transaction certificate, where the transaction certificate includes a fund usage and a transaction amount.

[70] The first verification module 61 is used to verify whether the recharge certificate is valid.

[71] The first fund releasing module 62 is used to determine whether the purpose of the fund is consistent with the fund settlement condition when the result of the first verification module is positive, and if so, the amount of funds that has been frozen in the frozen collection account is equal to the amount of the transaction.

[72] The first message delivering module 63 is used to generate a releasing payment result message, and deliver the payment result message to the first terminal.

[73] As shown in Figure 7, in one example, the online transaction-based recharging device further includes:

[74] The first updating module 64 is used to update the recharging amount of the recharging document according to the transaction amount when the payment result message is a payment success message, and deliver the updated remaining amount to the first terminal, and notify the user.

[75] As shown in Figure 8, in one example, an online transaction-based recharging device provided further includes:

[76] The second information acquisition module 80 is used to receive the redemption certificate and the fund withdrawal certificate delivered by the first terminal, where the fund withdrawal certificate includes the withdrawal amount and the fund withdrawal condition.

[77] The second verification module 81 is used to verify whether the recharge certificate is valid.

[78] The second funds unfreezing module 82 is used to further determine whether the withdrawal conditions of the funds satisfy the preset condition when the verification result of the second verification module is yes, and if yes, release the frozen funds in the received accounts withdrawal of the same amount of funds.

[79] Funding withdrawal module 83 is used for returning the defrosted funds to the payment account.

[80] As shown in Figure 9, in one example, an online transaction-based recharging device provided further includes:

[81] The second updating module 84 is used to update the recharging amount of the recharging certificate according to the reimbursement amount after the fund is returned to the payment account, and synchronize the updating result to the first terminal.

[82] 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.

[83] The ordinary technicians in the field can understand and implement all or part of the processes in the above mentioned method of the example which can be completed by means of a computer program that can be stored in a computer-readable storage medium.
When the program is executing, it may include all the above-mentioned process in the example. Among them, the storage medium can be a magnetic disk, CD, a read-only memory (ROM) and other non-volatile storage media or random access memory (RAM), etc.

[84] The characteristics of technology in the above example can be arbitrarily combined. In Date Recue/Date Received 2020-07-14 order to simplify the description, it does not describe all the possible combinations of the various characteristics of technology in the above examples, however, as long as the combination of these characteristics of technology are not conflict, it should be considered in the scope of this Specification records.

[85] The above example only express several examples of the invention, and its descriptions are more specific and detailed, however, it cannot to be considered as a limitation of the scope of the invention patent. It should be noted that various modifications and improvements can be made by those skilled technicians in the field without departing from the inventive concept, which belonged to the protection scope of the invention. Therefore, the protection scope of patent in the invention should be subject to the attached claims.

Date Recue/Date Received 2020-07-14

Claims (85)

Claims:

1. A computer implemented method for reloading funds based on network transaction, the method comprising:
receiving a reloading request delivered by a first terminal, wherein the reloading request includes a payment account, a reloading amount, and a payment collection account, wherein the payment collection account is a merchant's account;
transferring an amount of funds in the payment account to the payment collection account, wherein the transferred amount of funds is equal to the reloading amount;
freezing the transferred amount of funds in the payment collection account from the payment account to generate a reloading certificate corresponding to the reloading amount for ensuring safety of customer funds before the network transaction is completed; and delivering the reloading certificate to the first terminal.

2. The method of claim 1, wherein the reloading request further includes a payment settlement condition.

3. The method of claim 1 further includes obtaining the reloading certificate delivered by the first terminal and a transaction certificate.

4. The method of claim 3, wherein the transaction certificate includes use of funds.

5. The method of any one of claims 3 to 4, wherein the transaction certificate further includes a transaction amount.
itt Date Recue/Date Received 2021-04-09

6. The method of any one of claims 1 to 5 further includes verifying whether the reloading certificate is valid.

7. The method of claim 6 further includes, where if the reloading certificate is valid, determining whether the use of funds is consistent with the payment settlement condition.

8. The method of claim 7 further includes, where if the use of funds is consistent with the payment settlement condition, unfreezing the frozen amount of funds in the payment collection account.

9. The method of claim 8, wherein the frozen amount of funds is equal to the transaction amount.

10. The method of any one of claim 1 to 9 further includes:
generating a payment result message after releasing the frozen amount of funds; and delivering the payment result message to the first terminal.

11. The method of claim 10 further includes updating the reloading amount of the reloading certificate according to the transaction amount when the payment result message is a payment successful message.

12. The method of claim 11 further includes synchronizing content of the updated remaining amount to the first terminal to notice a user.

13. The method of any one of claims 3 to 12 further includes receiving the reloading certificate delivered by the first terminal and a fund withdrawal certificate.

14. The method of claim 13 wherein the fund withdrawal certificate includes a withdrawal amount.

Date Recue/Date Received 2021-04-09

15. The method of any one of claims 13 to 14, wherein the fund withdrawal certificate further includes a fund withdrawal condition.

16. The method of any one of claims 3 to 15 further includes verifying whether the reloading certificate is valid.

17. The method of claim 16 further includes, where if the reloading certificate is valid, judging whether the fund withdrawal condition satisfies a preset condition.

18. The method of claim 17 further includes, where if the fund withdrawal condition satisfies the preset condition, releasing the frozen amount of funds in the payment collection account.

19. The method of claim 18, wherein the released amount of funds is equal to a withdrawal amount.

20. The method of any one of claims 3 to 19 further includes refunding the released amount of funds into the payment account.

21. The method of any one of claims 13 to 20 further includes updating the reloading amount of the reloading certificate according to the withdrawal amount after the fund is returned to the payment account.

22. The method of any one of claims 13 to 21 further includes synchronizing the updated reloading amount to the first terminal.

23. The method of any one of claims 1 to 22, wherein the first terminal is held and controlled by a buyer.

24. The method of any one of claims 1 to 23 wherein the payment amount corresponds to a first funds-management server.

Date Recue/Date Received 2021-04-09

25. The method of any one of claims 1 to 24 wherein the payment collection account corresponds to a second funds-management server.

26. The method of claim 25, wherein the first Funds-Management server is the same server as the second Funds-Management server.

27. The method of claim 25, wherein the first Funds-Management server is a different server from the second Funds-Management server.

28. The method of any one of claims 24 to 27, wherein the first Funds-Management server is a bank server.

29. The method of any one of claims 24 to 27, wherein the first Funds-Management server is a server for a financial institution.

30. The method of any one of claims 24 to 27, wherein the first Funds-Management server is a server for a third-party payment platform.

31. The method of any one of claims 25 to 27, wherein the second Funds-Management server is a bank server.

32. The method of any one of claims 25 to 27, wherein the second Funds-Management server is a server for a financial institution.

33. The method of any one of claims 25 to 27, wherein the second Funds-Management server is a server for a third-party payment platform.

34. The method of any one of claims 1 to 33, wherein the reloading certificate includes the reloading amount.

Date Recue/Date Received 2021-04-09

35. The method of any one of claims 1 to 34, wherein the reloading certificate includes a reloading time.

36. The method of any one of claims 1 to 35, wherein the reloading certificate includes a payment account number.

37. The method of any one of claims 1 to 36, wherein the reloading certificate includes a collection account number.

38. The method of any one of claims 1 to 37, wherein the reloading certificate includes the buyer's electronic signature.

39. A computer device for reloading funds based on network transaction, the device comprising:
a request receiving module configured to receive a reloading request delivered by a first terminal, wherein the reloading request includes a payment account, a reloading amount, and a payment collection account, wherein the payment collection account is a merchant's account;
a fund payment module configured to transfer an amount of funds in the payment account to the payment collection account, wherein the transferred amount of funds is equal to the reloading amount;
a certificate generating module configured to freeze the transferred amount of funds in the payment collection account from the payment account to generate a reloading certificate corresponding to the reloading amount for ensuring safety of customer funds before the network transaction is completed; and an information delivering module configured to deliver the reloading certificate to the first terminal.

Date Recue/Date Received 2021-04-09

40. The device of claim 39, wherein the reloading request further includes a payment settlement condition.

41. The device of any one of claims 39 to 40 further includes a first information acquisition module.

42. The device of claim 41, wherein the first information acquisition module is configured to obtain the reloading certificate delivered by the first terminal and a transaction certificate.

43. The device of claim 42, where the transaction certificate includes use of funds.

44. The device of any one of claims 42 to 43, wherein the transaction certificate further includes a transaction amount.

45. The device of claim 41, wherein the first information acquisition module is configured to verify whether the reloading certificate is valid.

46. The device of claim 45, further includes a first fund releasing module.

47. The device of claim 46, wherein the first fund releasing module is configured to, where if the reloading certificate is valid, determine whether the use of funds is consistent with the payment settlement condition.

48. The device of claim 46, wherein the first fund releasing module is configured to, where if the use of funds is consistent with the payment settlement condition, unfreeze the frozen amount of funds in the payment collection account.

49. The device of claim 48, wherein the frozen amount of funds is equal to the transaction amount.
Date Recue/Date Received 2021-04-09

50. The device of any one of claim 39 to 49 further includes a first message delivering module.

51. The device of claim 50, wherein the first message delivering module is configured to:
generate a payment result message after releasing the frozen amount of funds;
and deliver the payment result message to the first terminal.

52. The device of any one of claims 39 to 51 further includes a first updating module.

53. The device of claim 52, wherein the first updating module is configured to update the reloading amount of the reloading certificate according to the transaction amount when the payment result message is a payment successful message.

54. The device of any one of claims 52 to 53, wherein the first updating module is configured to synchronize content of the updated remaining amount to the first terminal to notice a user.

55. The device of any one of claims 41 to 51 further includes a second information acquisition module.

56. The device of claim 55, wherein the second information acquisition module is configured to receive the reloading certificate delivered by the first terminal and a fund withdrawal certificate.

57. The device of claim 56, wherein the fund withdrawal certificate includes a withdrawal amount.

58. The device of any one of claims 56 to 57, wherein the fund withdrawal certificate further includes a fund withdrawal condition.

59. The device of any one of claims 41 to 58 further includes a second verification module.

Date Recue/Date Received 2021-04-09

60. The device of claim 59, wherein the second verification module is configured to verify whether the reloading certificate is valid.

61. The device of any one of claims 41 to 60 further includes a second funds unfreezing module.

62. The device of claim 61, wherein the second funds unfreezing module is configured to, where if the reloading certificate is valid, judge whether the fund withdrawal condition satisfies a preset condition.

63. The device of claim 62, wherein the second funds unfreezing module is configured to, where if the fund withdrawal condition satisfies the preset condition, release the frozen amount of funds in the payment collection account.

64. The device of claim 63, wherein the released amount of funds is equal to a withdrawal amount.

65. The device of any one of claims 41 to 64 further includes a funding withdrawal module.

66. The device of claim 65, wherein the funding withdrawal module is configured to refund the released amount of funds into the payment account.

67. The device of any one of claims 56 to 66 further includes a second updating module.

68. The device of claim 67, wherein second updating module is configured to update the reloading amount of the reloading certificate according to the withdrawal amount after the fund is returned to the payment account.

69. The device of any one of claims 67 to 68, wherein second updating module is configured to synchronize the updated reloading amount to the first terminal.

Date Recue/Date Received 2021-04-09

70. The device of any one of claims 39 to 68, wherein the first terminal is held and controlled by a buyer.

71. The device of any one of claims 39 to 70 wherein the payment amount corresponds to a first funds-management server.

72. The device of any one of claims 39 to 71 wherein the payment collection account corresponds to a second funds-management server.

73. The device of any one of claims 39 to 69, wherein a first Funds-Management server is the same server as a second Funds-Management server.

74. The device of any one of claims 39 to 69, wherein a first Funds-Management server is a different server from a second Funds-Management server.

75. The device of any one of claims 73 to 74, wherein the first Funds-Management server is a bank server.

76. The device of any one of claims 73 to 74, wherein the first Funds-Management server is a server for a financial institution.

77. The device of any one of claims 73 to 74, wherein the first Funds-Management server is a server for a third-party payment platform.

78. The device of any one of claims 73 to 77, wherein the second Funds-Management server is a bank server.

79. The device of any one of claims 73 to 77, wherein the second Funds-Management server is a server for a financial institution.

Date Recue/Date Received 2021-04-09

80. The device of any one of claims 73 to 77, wherein the second Funds-Management server is a server for a third-party payment platform.

81. The device of any one of claims 39 to 80, wherein the reloading certificate includes the reloading amount.

82. The device of any one of claims 39 to 81, wherein the reloading certificate includes a reloading time.

83. The device of any one of claims 39 to 82, wherein the reloading certificate includes a payment account number.

84. The device of any one of claims 39 to 83, wherein the reloading certificate includes a collection account number.

85. The device of any one of claims 39 to 84, wherein the reloading certificate includes the buyer's electronic signature.

Date Recue/Date Received 2021-04-09