CA2995865A1 - Electronic-certificate-based transaction method and system - Google Patents

Electronic-certificate-based transaction method and system Download PDF

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Publication number
CA2995865A1
CA2995865A1 CA2995865A CA2995865A CA2995865A1 CA 2995865 A1 CA2995865 A1 CA 2995865A1 CA 2995865 A CA2995865 A CA 2995865A CA 2995865 A CA2995865 A CA 2995865A CA 2995865 A1 CA2995865 A1 CA 2995865A1
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electronic certificate
terminal
payment
server
information
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CA2995865C (en
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Yi Zhang
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10353744 Canada Ltd
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10353744 Canada Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
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  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Provided are a system and methods for trading electronic certificates that simplifies online shopping (e-commerce) operations. The electronic certificate includes at least commodity information including a name and an amount as well as settlement of payment information including a receiving account. E-commerce providers do not have to operate an online store to sell their products and may disseminate electronic certificates for their products through social networks directly to buyers. The electronic certificates may be stored by a server (an electronic certificate warehouse) for retrieval by e-commerce providers to spread through social networks.
Similarly, using the system and methods herein, a buyer can directly conduct online shopping through an electronic certificate that can be bought or traded on social networks platforms without entering an online shop.

Description

Electronic-Certificate-Based Transaction Method And System [1] [Technical Field]
[2] The present invention relates to the field of electronic commerce, and in particular, to an electronic certificate based transaction method and system.
[3] [Background Technology]
[4] With the rise of E-commerce, various kinds of shopping platforms appeared on the internet, which make shopping convenient for people's shopping. Traditional online shopping, commodity manufacturers or commodity agents to open shop in the shopping platform, through the online shop release commodity information, the buyer in the online shop to select commodity purchase orders, and through the third-party payment platform to complete the payment. This online shopping model, there are the following problems:
[5] Competition between today's online shops is fierce, only to ensure that the commodity online shop has a larger page views, in order to achieve better sales revenue, in order to ensure that shop has a high degree of concern, buyers generally need to pay for advertising on the shopping platform to promote their own commodity, resulting in a higher cost of selling commodity.
[6] [Summary of the Invention]
[7] Based on this, it is necessary to address the above technical problems and provide a trading method and system based on electronic certificate to reduce the cost of selling commodity.
[8] A trading method based on an electronic certificate, the method including:
[9] The First Server obtains an electronic certificate and displays the electronic certificate, the electronic certificate at least includes commodity attribute information of a name and an amount, and payment settlement information including a receiving account;
[10] First Server delivers the electronic certificate to the first terminal;
[11] The first terminal pushes the electronic certificate over the Internet;
[12] The second terminal obtains the electronic certificate via the internet and receives the logistics information that the user inputs the delivery commodity in the information that the electronic certificate can be written, and delivers the payment information corresponding to the payment commodity to the payment receiving system according to the payment settlement information payment request;
[13] The payment receiving system receives a payment request delivered by a second terminal, and after verifying that the electronic certificate is passed, freezing the funds of the amount corresponding to the payment account of the second terminal;

= CA 02995865 2018-02-16
[14] The payment receiving system receives the received receipt information of the commodity, and allocates the frozen funds to the payment account.
[15] A trading method based on electronic certificate, applied to First Server, including:
[16] Obtaining an electronic certificate and displaying the electronic certificate, the electronic certificate containing commodity attribute information of a name and an amount, and collection and settlement information including a receiving account;
[17] Delivering an electronic certificate to the first terminal, so that the first terminal pushes the electronic certificate over the Internet.
[18] A transaction method based on an electronic certificate, applied to a first terminal, including:
[19] Get the electronic certificate delivered by First Server;
[20] Push the electronic certificate over the internet.
[21] An electronic certificate based network transaction system, the system including: A First Server, a Second Server, a First Server, a payment system, a first terminal, and a second terminal, where the Second Server is separately connected to the First Server and the payment system; the First Server is separately connected to the first terminal and the second terminal is connected;
[22] The Second Server is used to generate and store the electronic certificate of the writeable information and deliver the electronic certificate to First Server, the electronic certificate at least includes the commodity attribute information of the name and the amount, and the settlement of payment including the receiving account information;
[23] The First Server is used to present the electronic certificate and deliver the electronic certificate to the first terminal;
[24] The first terminal is used for pushing the electronic certificate over the Internet;
[25] The second terminal is used to obtain the electronic certificate via the internet and receives the logistics information that the user inputs the delivery commodity in the information that the electronic certificate can be written, and delivers the payment information corresponding to the payment commodity to the payment receiving system according to the payment settlement information payment request;
[26] The receiving and payment system is used to receive a payment request delivered by a second terminal, and after verifying that the electronic certificate is passed, freeze the funds of the amount corresponding to the payment account of the second terminal, and deliver a successful notification message to Second Server for the freezing of funds;
[27] The collection and payment system is also used to allocate the frozen funds to the collection account after obtaining the receipt information of the receipt of the commodity.
[28] The aforementioned electronic certificate based trading method and system simplifies the operation of shopping because the buyer can directly conduct shopping through the electronic certificate without entering the online shop, and the electronic certificate can be transmitted through the social network without relying on "shop" to get rid of the "store"
flow of sales revenue restrictions, shopkeepers do not pay advertising costs can also ensure the flow of commodity, saving the cost of sales. In addition, as the generation of electronic certificate, the delivery of commodity by the manufacturer is all in charge of the manufacturer, so as to change the original reliance on the business reputation of the third-party E-commerce platform or online shop, the picture, the transaction-centered E-commerce mode so that the articles can be attached to attributes of themselves, such as manufacturers, raw materials and other information, the formation of an object-centric transaction mode.
[29] [Brief Description]
[30] Figure 1 is a schematic structural diagram of an electronic certificate based trading system in an example;
[31] Figure 2 is a timing diagram of an electronic certificate based transaction method in one example.
[32] Figure 3 is an example page of the electronic certificate display;
[33] Figure 4 is a schematic flow chart of an electronic certificate based transaction method in one example;
[34] Figure 5 is a schematic flow chart of an electronic certificate based transaction method in one example;
[35] Figure 6 is a schematic flow chart of an electronic certificate based transaction method in one example.
[36] [Description of the Preferred Examples]
[37] In order to make the purpose, the technical solution and advantages of the invention more clearly understood, the following explanations further explain the invention according to the attached drawings and examples. It should be understood that the specific example described herein are merely to illustrative the invention and is not intend to limit the invention.
[38] As shown in Figure 1, in one example, an electronic certificate based network transaction system is provided. The system includes: The Second Server 10, the First Server 20, the payment system 50, the first terminal 30, and the second terminal 40. The Second Server is respectively connected to the First Server 20 and the payment system 50.
The First Server 20 is connected to the first terminal 30 and the second terminal 40, respectively.

,
[39] Second Server50, which is used to generate the electronic certificate of the writeable information and deliver the electronic certificate to First Server51, the electronic certificate at least includes the commodity attribute information of the name and the amount, and the settlement of payment including the receiving account information.
[40] Second Server 10 corresponds to the commodity provider. The commodity provider is a commodity manufacturer. The electronic certificate is generated by the electronic certificate generator. An electronic certificate is used to identify one or a group of commodity provided by the commodity provider. Buyers can conduct online transactions with the commodity provider through the electronic certificate to purchase the commodity corresponding to the electronic certificate. Specifically, the commodity may be a tangible commodity or an invisible service. Second Server 10 download the electronic certificate generator, and the commodity manufacturer can generate the corresponding electronic certificate by inputting the key information such as the commodity information of the commodity to be sold and the payment settlement information into the electronic certificate generator.
[41] Product attribute information includes: the name of the commodity, price, pictures and parameters and other information. The collection and settlement information includes: the collection account and the name of the collection account (for example, the collection and settlement information is the name of the bank account of the commodity manufacturer and the account number of the account opening account).
[42] In one example, the electronic certificate further includes insurance information of the commodity, and the insurance information is policy information for underwriting the commodity.
[43] In an example, the commodity attribute information includes detailed description information of the commodity, and the commodity attribute information changes according to the dynamic change of the commodity status. For example, before the commodity electronic certificate is purchased by the E-commerce user ("purchase" means that the E-commerce user obtains the electronic certificate), the current holder of the commodity displayed on the electronic certificate is the commodity provider. When the commodity electronic certificate is used by the E-commerce user after the purchase, the current holder of the commodity displayed on the electronic certificate is an E-commerce user.
[44] The First Server 20 is used to display the electronic certificate and deliver the electronic certificate to the first terminal 30.
[45] First Server20 corresponds to the commodity electronic warehouse, electronic commodity warehouse is the electronic certificate distribution center. The Second Server corresponding to the commodity provider delivers the electronic certificate to First Server 20 and the electronic certificate is displayed by the First Server 20 for selection by the electricity supplier user. The commodity electronic warehouse may be an electronic certificate storage space set by a shopping platform provided by a bank, and may also be an electronic certificate storage space set by other network platforms (for example, a portal website). Electronic commodity warehouse for outward display of stored electronic certificate.
[46] In this example, the First Server 20 does not sell the electronic certificate, and the First Server 20 externally issues the promotional message corresponding to the electronic certificate to attract the E-commerce User A to purchase. After the first terminal 30 corresponding to the electricity supplier User A delivers the request for obtaining the electronic certificate to the First Server 20, the first terminal 30 obtains the electronic certificate from the First Server 20. The first terminal 30 pushes the electronic certificate to the social network, and the second terminal 40 corresponding to the buyer B
implements the network transaction with the Second Server 10 according to the electronic certificate provided by the terminal.
[47] Figure 2 is a page view showing an electronic certificate in an example. The user may directly purchase the smart phone corresponding to the electronic certificate by clicking the purchase button.
[48] The first terminal 30 is used for pushing the electronic certificate over the Internet.
[49] The first terminal 30 corresponds to the E-commerce selling electronic certificate. The E-commerce company downloads the E-commerce tool (E-commerce APP) from the First Server 20 to the first terminal 30 and registers with the E-commerce provider A to become the E-commerce provider A. The E-commerce provider A can obtain the electronic certificate from the First Server 20 for sale as the seller. The terminal 30 popularizes the obtained electronic certificate on the Internet to attract buyers to purchase.
[50] The second terminal 40 is used to the electronic certificate via the internet and receives the logistics information that the user inputs the delivery commodity in the information that the electronic certificate can be written, and delivers the payment information corresponding to the payment commodity to the payment receiving system 50 according to the payment settlement information payment request.
[51] The buyer B corresponding to the second terminal 40 acquires the first certificate of pushing the first terminal 30 on the Internet. Buyers B just click on the purchase button on the electronic certificate, it will pop-up electronic certificate corresponding transaction page, after entering the shipping address and the logistics information of the consignee's contact information in the writeable information of the electronic certificate, a payment request is delivered to the payment system to pay the corresponding amount of the commodity.
[52] The payment receiving system 50 is used to receive a payment request delivered by the second terminal 40, and after verifying that the electronic certificate passes, freeze the funds corresponding to the amount in the payment account of the second terminal 40 and deliver a notification message indicating that the funds freeze has been successfully completed to Second Server10. In one example payment system 50 is a banking system.
[53] In this example, the payment system 50 serves as a platform for transferring funds between buyers and sellers who purchase commodity. The buyer pays the seller through the payment system 50 after purchasing the commodity. The purpose of the electronic payment system 50 verification electronic certificate is to ensure the legitimacy of the receiving account. After the payment system 50 freezes the amount corresponding to the payment account of the second terminal 40 (buyer), the buyer has already promised to pay the payment, and the notification message is delivered to the First Server 20 to notify the commodity provider that the payment can be delivered to the buyer.
[54] The collection and payment system 50 is also used to allocate the frozen funds to the collection account after obtaining the receipt information of the receipt of the commodity.
[55] After the buyer receives the commodity, the receipt information signed by the logistics server includes the signature of the signatory and the sign-in time. The payment receiving system 50 may obtain the receiving information directly from the logistics server, or may also be the receiving information delivered by the second terminal 40 after the buyer receives the commodity by triggering the receiving button. When the seller has completed the delivery task, the payment system 50 unfreezes the frozen funds and pays the defrosted funds to the payment account to complete the network transaction.
[56] In one example, the payment system 50 includes a verification module, a payment module, and a payment module. The verification module is used to verify whether the electronic certificate is valid and return the verification result to the Second Server.
The payment module is used to receive a payment request delivered by the second terminal, freeze the funds of the amount corresponding to the payment account of the second terminal according to the payment request, and deliver a notification message indicating that the funds freeze succeeds to the Second Server. The receiving module is used to transfer the frozen funds to allocate the frozen funds to the collection account after obtaining the receipt information of the receipt of the commodity.
[57] The above system, when First Server is a bank-provided server, the bank itself provides a commodity electronic warehouse. In this case, the receiving account of the electronic certificate in the electronic commodity warehouse contains the account number of the bank. Since the bank has a high reputation, the electronic certificate displayed by First Server can ensure that the commodity is genuine. The E-commerce (buyer) is also willing to go to the First Server shopping provided by the bank. The amount of online payment transactions by both parties will be refunded to the bank. Therefore, the bank is also willing to provide the First Server to display the electronic certificate of the commodity provider.
The above system realizes a win-win situation for banks, commodity providers and buyers.
[58] In one example, an electronic certificate based transaction method is provided. Please refer to Figure 4, the method includes the following steps:
[59] In step 401, First Server obtains the electronic certificate and displays the electronic certificate.
[60] In this example, the electronic certificate includes commodity information and collection and settlement information of the purchased commodity.
[61] Before step 401, the method further includes: Second Server generates an electronic certificate that includes at least commodity name information and an amount of funds as well as an electronic certificate that contains collection and settlement information of the receiving account according to the commodity information and the receiving information and delivers the electronic certificate to First Server. In this example, Second Server downloads the electronic certificate generator, generates an offline electronic certificate, and uploads it to First Server.
[62] In one example, step 401 includes: The First Server obtains the commodity information and the payment information delivered by the Second Server for generating the electronic certificate; the First Server generates the electronic certificate containing at least the name and the commodity attribute information and the payment settlement information including the payment account according to the commodity information and the payment information.
[63] In this example, instead of fulfilling the task of generating the electronic certificate, the commodity provider provides the key information (commodity information and payment information) that must be included in the generation of the electronic certificate to the First Server, and the First Server completes the electronic certificate generation work.
[64] In step 402, the First Server delivers an electronic certificate to the first terminal.
[65] Step 403: Push the electronic certificate through Internet.
[66] In one example, the step of the first terminal for pushing the electronic certificate via the Internet includes: the first terminal pushing the electronic certificate to the social network.

= CA 02995865 2018-02-16
[67] In this example, the social network refers to a social circle where an E-commerce company participates on the Internet. For example, a user may share an electronic certificate to a forum on the Internet, a Weibo account, a WeChat circle of friends, and so on.
Through the social network multi-channel push electronic stamp commodity, making the spread of electronic certificate wider, improved the rapid sale of commodity.
[68] Step 404: The second terminal obtains the electronic certificate via the internet and receives the logistics information that the user inputs the delivery commodity in the information that the electronic certificate can be written, and delivers the payment information corresponding to the payment commodity to the payment receiving system according to the payment settlement information payment request.
[69] Step 405: The payment receiving system receives a payment request delivered by a second terminal, and after verifying that the electronic certificate is passed, freezing the funds of the amount corresponding to the payment account of the second terminal.
[70] Step 406, the payment receiving system receives the received receipt information of the commodity, and allocates the frozen funds to the payment account.
[71] As shown in Figure 5, in one example, an electronic certificate based transaction method is provided and applied to a First Server. The method includes the following steps:
[72] Step 501, obtain the electronic certificate and display the electronic certificate. In this example, the electronic certificate includes commodity attribute information of a name and an amount, and payment settlement information including a receiving account.
[73] Step 502: Deliver an electronic certificate to the first terminal, so that the first terminal pushes the electronic certificate through the Internet.
[74] In an example, before the step of obtaining the electronic certificate in step 502, the step of obtaining an electronic certificate includes: obtaining commodity information and payment information that are for generating an electronic certificate and delivered by the Second Server; generating a commodity information that includes at least the name and the amount according to the commodity information and the payment information. The commodity attribute information, and the electronic certificate containing the collection and settlement information of the receiving account.
[75] In one example, in step 502, an electronic certificate is delivered to the first terminal, 2 includes: receiving a request for obtaining an electronic certificate delivered by a first terminal, obtaining a certificate number in an electronic certificate request and an identifier of a terminal user; acquiring a certificate number. The corresponding electronic certificate binds the terminal user ID with the electronic certificate and delivers the electronic certificate bound with the terminal user ID to the first terminal.
[76] In another example, step 502 of delivering an electronic certificate to the first terminal includes: obtaining a terminal user identifier that matches the certification condition according to a preset correspondence between the certification conditions and the electronic certificate;
[77] Bind the terminal user ID with the corresponding electronic certificate, and deliver the electronic certificate bound with the terminal user ID to the first terminal corresponding to the terminal user ID.
[78] As shown in Figure 6, in one example, an electronic certificate based transaction method is provided and applied to a First Terminal. The method includes the following steps:
[79] Step 601: Obtain the electronic certificate delivered by First Server.
[80] In step 602, the electronic certificate is pushed over the Internet.
[81] Specifically, pushing the electronic certificate on the Internet includes delivering the electronic certificate to the social network.
[82] The aforementioned electronic certificate based trading method simplifies the operation of shopping because the buyer can directly conduct shopping through the electronic certificate without entering the online shop, and the electronic certificate can be transmitted through the social network without relying on "shop" to get rid of the "store" flow of sales revenue restrictions, shopkeepers do not pay advertising costs can also ensure the flow of commodity. Due to the generation of electronic certificate, the delivery of commodity by the manufacturer is all in charge of the manufacturer, so as to change the original reliance on the business reputation of the third-party E-commerce platform or online shop, the picture, the transaction-centered E-commerce mode so that the articles can be attached to attributes of themselves, such as manufacturers, raw materials and other information, the formation of an object-centric transaction mode.
[83] In one example, the step of the receiving and payment system receiving the commodity receipt information of the commodity receipt includes:
[84] The receiving and payment system receives the commodity receipt that the electronic certificate delivered by the logistics server corresponds to the received commodity.
[85] In one example, the step of the receiving and payment system receiving the commodity receipt information of the commodity receipt includes:
[86] The receiving and payment system receives the received commodity receipt that is delivered by the second terminal and received by the electronic certificate corresponding to the commodity receipt triggered after the user clicks the confirmation receipt.
[87] In one example, the step of the First Server delivering the electronic certificate to the first terminal includes:
[88] The First Server receives the electronic certificate request delivered by the first terminal and obtains the certificate number and the terminal user ID in the electronic certificate request. The First Server obtains the electronic certificate corresponding to the certificate number, binds the terminal user ID and the electronic certificate, and deliver the electronic certificate bound with the terminal user ID to the first terminal.
[89] In this example, First Server serves as an electronic repository for storing electronic certificates only. First Server does not have the function of selling electronic certificates.
First Server only needs to disperse the electronic certificate to the E-commerce seller (seller) to sell the electronic certificate by the seller.
[90] The first terminal obtains the electronic certificate by delivering a request for obtaining the electronic certificate to the First Server, and the corresponding terminal provider of the first terminal pushes the electronic certificate on the Internet to attract the buyer to buy. If the buyer is based on E-commerce providers push electronic certificate and Second Server to complete online payment transactions, commissioned by the Second Server commission to the electricity supplier. In order to distinguish the source of the electronic certificate, the terminal user ID needs to be bound with the electronic certificate.
[91] In another example, the step of the First Server delivering an electronic certificate to the first terminal includes: The First Server obtains the terminal user identifier matching the authentication condition according to the preset correspondence between the authentication conditions and the electronic certificate. The First Server binds the terminal user ID with the corresponding electronic certificate and binds the terminal user ID. The electronic certificate is delivered to the first terminal corresponding to the terminal user identifier.
[92] In this example, First Server actively distributes the electronic certificate to the terminal corresponding to the E-commerce provider. The default delivery conditions include: high reputation of E-commerce, E-commerce purchase records, and E-commerce sales.
The E-commerce that matches the shipping conditions is generally a premium E-commerce.
First Server proactively delivers an electronic certificate to the terminal corresponding to the premium E-commerce provider, which facilitates the optimal configuration of sales resources.
[93] The E-commerce method in the above method does not need to be responsible for various matters such as purchase, delivery, collection, and after-sale as the owner of the traditional online shop. E-commerce providers only need to obtain a shopping electronic certificate from the electronic commodity warehouse, and then spread the shopping electronic certificate to the social network so that more people can purchase the commodity. After the buyer completes the online transaction based on the shopping electronic certificate, the buyer only needs to wait for the provider of the commodity to pay the sales commission.
By simplifying the E-commerce workload to attract more users to join in, is conducive to the promotion of commodity.
[94] The ordinary technicists in the field that can understand and implement all or part of the processes in the above mentioned method of the examples which can be accomplished by means of a computer program that can be stored in a computer-readable storage medium.
The program may, when executed, include flows of all examples as described above. The storage medium may be a magnetic disk, an optical disk, a read-only memory (ROM), a random access memory (RAM), and so on.
[95] The technical features of the examples described above can be arbitrarily combined. In order to simplify the description, there doesn't describe all the possible combinations of the various technical features in the above examples, however, as long as the combination of these technical features, which does not exist a contradiction, should be considered the scope of this Specification.
[96] The above-described examples show only a few methods of execution of the present invention, and its descriptions are comparatively specific and detailed, however, it can not to be construed 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 in the field without departing from the inventive concept, which belong to the protection scope of the present invention. Accordingly, the protection scope of patent of the present invention should be measured by the appended claims.

Claims (16)

    The Claims
  1. [Claim 1] A transaction method based on an electronic certificate, including:
    The First Server obtains an electronic certificate and displays the electronic certificate, the electronic certificate at least includes commodity attribute information of a name and an amount, and payment settlement information including a receiving account;
    First Server delivers the electronic certificate to the first terminal.
    The first terminal pushes the electronic certificate over the Internet;
    The second terminal obtains the electronic certificate via the internet and receives the logistics information that the user inputs the delivery commodity in the information that the electronic certificate can be written, and delivers the payment information corresponding to the payment commodity to the payment receiving system according to the payment settlement information payment request;
    The payment receiving system receives a payment request delivered by a second terminal, and after verifying that the electronic certificate is passed, freezing the funds of the amount corresponding to the payment account of the second terminal;
    and The payment receiving system receives the received receipt information of the commodity, and allocates the frozen funds to the payment account.
  2. [Claim 2] The method according to Claim 1, its characteristic is that before the step of acquiring the electronic certificate by the First Server, the method includes:
    Second Server generates an electronic certificate that includes at least commodity name information and an amount of funds as well as an electronic certificate that contains collection and settlement information of the receiving account according to the commodity information and the receiving information and delivers the electronic certificate to First Server.
  3. [Claim 3] The method according to Claim 1, wherein the step of acquiring the electronic certificate by the First Server includes:
    First Server obtains the commodity information and payment information delivered by Second Server for generating the electronic certificate;
    First Server generates an electronic certificate containing at least commodity name information and an amount of money on the basis of commodity information and payment information, and payment settlement information including the payment account.
  4. [Claim 4] The method according to Claim 1, wherein the step of the first terminal pushing the electronic certificate via the internet includes:
    The first terminal pushes the electronic certificate to the social network.
  5. [Claim 5] The method according to Claim 1, its characteristic is that the step of the receiving and payment system receiving the receipt information of the commodity receipt includes:
    The receiving and payment system receives the commodity receipt that the electronic certificate delivered by the logistics server corresponds to the received commodity.
  6. [Claim 6] The method according to Claim 1, its characteristic is that the step of the receiving and payment system receiving the receipt information of the commodity receipt includes:
    The receiving and payment system receives the received commodity receipt that is delivered by the second terminal and received by the electronic certificate corresponding to the commodity receipt triggered after the user clicks the confirmation receipt.
  7. [Claim 7] The method according to Claim 1, wherein the step of the First Server delivering the electronic certificate to the first terminal includes:
    The First Server receives a request for obtaining an electronic certificate delivered by a first terminal, where the request for obtaining an electronic certificate carries a certificate number and an identifier of a terminal user;
    The First Server obtains the electronic certificate corresponding to the certificate number and binds the terminal user ID with the electronic certificate; and delivers the electronic certificate bound with the terminal user ID to the first terminal.
  8. [Claim 8] The method according to Claim 1, wherein the step of the First Server delivering the electronic certificate to the first terminal includes:
    The First Server acquires the terminal user identifier that matches the certification conditions according to the preset correspondence between the certification conditions and the electronic certificate.
    The First Server binds the terminal user identifier with the corresponding electronic certificate, and deliver the electronic certificate bound with the terminal user ID to the first terminal corresponding to the terminal user ID.
  9. [Claim 9] A trading method based on electronic certificate, applied to First Server, including:
    Obtaining an electronic certificate and displaying the electronic certificate, the electronic certificate containing commodity attribute information of a name and an amount, and collection and settlement information including a receiving account;
    Delivering an electronic certificate to the first terminal, so that the first terminal pushes the electronic certificate over the Internet.
  10. [Claim 10] The transaction method according to Claim 9, wherein before the step of obtaining an electronic certificate, the method includes:
    Obtain the commodity information and the payment information that are delivered by the Second Server and generate the electronic certificate;
    Generates an electronic certificate containing at least commodity name information and an amount of money on the basis of commodity information and payment information, and payment settlement information including the payment account.
  11. [Claim 11] The transaction method according to Claim 9, wherein the step of delivering the electronic certificate to the first terminal includes:
    Receive a request for obtaining an electronic certificate delivered by a first terminal, where the request for obtaining an electronic certificate carries a certificate number and an identifier of a terminal user;
    Obtains the electronic certificate corresponding to the certificate number and binds the terminal user ID with the electronic certificate; and delivers the electronic certificate bound with the terminal user ID to the first terminal.
  12. [Claim 12] The transaction method according to Claim 9, wherein the step of delivering the electronic certificate to the first terminal includes:
    Acquires the terminal user identifier that matches the certification conditions according to the preset correspondence between the certification conditions and the electronic certificate;
    Bind the terminal user ID with the corresponding electronic certificate, and deliver the electronic certificate bound with the terminal user ID to the first terminal corresponding to the terminal user ID.
  13. [Claim 13] A transaction method based on an electronic certificate, applied to a first terminal, including:
    Obtain the electronic certificate delivered by First Server Push the electronic certificate over the internet.
    [Claim 141 The transaction method according to Claim 13, wherein the electronic certificate is pushed over the Internet, comprising:
    Push the electronic certificate to the social network.
  14. 14
  15. [Claim 15] A trading system based on an electronic certificate, comprising:
    A First Server, a Second Server, a First Server, a payment system, a first terminal, and a second terminal, where the Second Server is separately connected to the First Server and the payment system; the First Server is separately connected to the first terminal and the second terminal is connected;
    The Second Server is used to generate and store the electronic certificate of the writeable information and deliver the electronic certificate to First Server, the electronic certificate at least includes the commodity attribute information of the name and the amount, and the settlement of payment including the receiving account information;
    The First Server is used to present the electronic certificate and deliver the electronic certificate to the first terminal;
    The first terminal is used for pushing the electronic certificate over the Internet;
    The second terminal is used to obtain the electronic certificate via the internet and receives the logistics information that the user inputs the delivery commodity in the information that the electronic certificate can be written, and delivers the payment information corresponding to the payment commodity to the payment receiving system according to the payment settlement information payment request;
    The receiving and payment system is used to receive a payment request delivered by a second terminal, freeze the funds of the amount corresponding to the payment account of the second terminal after verifying that the electronic certificate is passed, and deliver a notification message that the funds freeze succeeds to the Second Server; and the payment system is further configured to allocate the frozen funds to the payment account after obtaining the receipt information of the commodity receipt.
  16. [Claim 16] The system according to Claim 9, wherein the payment system includes: a verification module, a payment module and a payment module, wherein:
    The verification module is used to verify whether the electronic certificate is valid and return the verification result to the Second Server;
    The payment module is used to receive a payment request delivered by the second terminal, freeze the funds of the amount corresponding to the payment account of the second terminal according to the payment request, and deliver a notification message indicating that the funds freeze succeeds to the Second Server;
    The receiving module is used to transfer the frozen funds to allocate the frozen funds to the collection account after obtaining the receipt information of the receipt of the commodity.
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CN107944858A (en) * 2017-11-13 2018-04-20 李保安 The prompt system and method for a kind of payment information
CN110610396A (en) * 2018-06-15 2019-12-24 阿里巴巴集团控股有限公司 Data processing method and device, electronic equipment and server
CN112669126A (en) * 2021-01-19 2021-04-16 上海映荷网络科技有限公司 Internet social contact and direct business electronic commerce APP platform

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CN102737328A (en) * 2011-03-30 2012-10-17 张家齐 Online dynamic multi-level marketing system, method thereof and computer-readable recording medium
US20140258016A1 (en) * 2013-03-08 2014-09-11 Ebay Inc. System and method for generating recommendations
CN103226778A (en) * 2013-03-21 2013-07-31 刘婷 Electronic certificate acquiring and dispensing method, intelligent terminal and advisement player
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