CA3012997C - Electronic certificate payment method and device - Google Patents
Electronic certificate payment method and device Download PDFInfo
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- CA3012997C CA3012997C CA3012997A CA3012997A CA3012997C CA 3012997 C CA3012997 C CA 3012997C CA 3012997 A CA3012997 A CA 3012997A CA 3012997 A CA3012997 A CA 3012997A CA 3012997 C CA3012997 C CA 3012997C
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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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
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
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- Computer Security & Cryptography (AREA)
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- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Disclosed are a payment method and device. The method comprises: a second funds management server successively forwards to first funds management server at least two payment applications successively sent by second participant regarding same electronic certificate; the first funds management server successively receives at least two payment applications, determines with regard to each payment application whether a payment application amount is less than or equal to remaining amount of the electronic certificate, if so, executes payment regarding the electronic certificate. In the payment method, the payments are performed using electronic certificate, reducing the transaction risk; and multiple payments to be performed regarding the same electronic certificate, i.e. implementing single issuing and multiple payments, hence not necessary for a buyer, after completing one payment, to open a new electronic certificate for next payment. The method simplifies the payment process, and protects financial interests of both first and the second participants.
Description
Electronic Certificate Payment Method And Device Technical Field [00011 The present invention relates to the field of electronic commerce technology, and in particular, to an electronic certificate solution payment method and device.
Background Technology
Background Technology
[0002] With the rapid development of computers, networks and modern communication technology, E-commerce has become a popular and even popular way of transaction.
E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informational, thus reducing the cost of the transaction and improving the efficiency of the transaction.
E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informational, thus reducing the cost of the transaction and improving the efficiency of the transaction.
[0003] The payment method of E-commerce usually adopts the network payment, the traditional network payment, mostly the funds in the bank card are directly allocated to each other's account, or allocated to a third party institution as a guarantee. After the buyer's fund transfer order is issued, the funds will be transferred directly, the following situations often occur: the buyer has not received the commodity or services provided by the merchant, and its funds have been paid to the seller by the bank or the third party organization; or after the seller offers the commodity or services, the buyer is unable to pay the corresponding funds.
Or the buyer transfers the funds to the wrong account. Therefore, the traditional online payment methods have certain trading risks and cannot guarantee the interests of buyers and sellers.
Technical problem
Or the buyer transfers the funds to the wrong account. Therefore, the traditional online payment methods have certain trading risks and cannot guarantee the interests of buyers and sellers.
Technical problem
[0004] The main purpose of the present invention is to provide a method and device for electronic certificate settlement to reduce transaction risk, increase the flexibility and convenience of electronic certificate payment, to simplify the payment process.
Problem solving solution Technical solutions
Problem solving solution Technical solutions
[0005] In order to achieve the above object, the present invention provides a method for electronic certificate payment, including the following steps:
[0006] The second Funds-Management server forwards at least two applications delivered by the Second Participant to the same electronic certificate successively to the first Funds-Management server;
[0007] The first Funds-Management server successively receives at least two settlement requests, and for each settlement application, judges whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate, and if the solution payment application amount is less than or equal to the remaining amount of the electronic certificate, the solution is executed on the electronic certificate.
[0008] The present invention also proposes an electronic certificate solution payment method, applied to the first Funds-Management server, including the following steps:
[0009] Successively receive the second Funds-Management server to pay at least two applications for the same electronic certificate;
[0010] For each solution payment application, determine whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate;
[0011] If the settlement claim amount is less than or equal to the remaining amount of the electronic certificate, the solution is executed on the electronic certificate.
[0012] The present invention also proposes an electronic certificate solution payment method, applied to a second Funds-Management server, including the following steps:
[0013] At least two applications for payment have been delivered successively by the Second Participant on the same electronic certificate;
[0014] For each solution payment application, verifying the payment information contained in the payment settlement application;
[0015] After the verification is passed, the settlement application is forwarded to the first Funds-Management server.
[00161 The present invention also proposes an electronic certificate solution payment system, including a Second Participant, a first Funds-Management server and a second Funds-Management server, wherein:
[0017] The Second Participant is used to deliver at least two payment requests to the second Funds-Management server one after another for the same electronic certificate;
[0018] The second Funds-Management server is used to forward the at least two payment settlement requests to the first Funds-Management server successively;
[0019] The first Funds-Management server is used to receive at least two payment requests one after the other, and determine, for each payment application, whether the payment claim amount is less than or equal to the remaining amount of the electronic certificate. If yes, solution payment is executed on the electronic certificate.
[0020] The present invention also proposes an electronic certificate payment device, which is applied to the first Funds-Management server, including the first receiving module and the payment module, wherein:
[0021] The first receiving module is used to successively receive at least two payment requests delivered successively by the second Funds-Management server for the same electronic certificate;
[0022] The solution module is used to determine, for each settlement application, whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate; and if yes, execute solution settlement on the electronic certificate.
[0023] The present invention also provides an electronic certificate solution payment device, applied to a second Funds-Management server, including a second receiving module, a verification module and a delivering module, wherein:
[0024] The second receiving module is used to receive at least two payment repayments delivered successively by the Second Participant on the same electronic certificate;
[00251 The verification module is used to verify, for each settlement application, the settlement information contained in the settlement application;
[0026] The delivering module is used to forward the payment settlement request to the first Funds-Management server after the payment information verification passes.
The beneficial effect of the invention Beneficial effect [00271 The present invention provides a method and device for electronic certificate settlement, on the one hand, through the electronic certificate to pay, reducing the transaction risk; the other hand, allows the same electronic certificate multiple payment, that is, once with the issuance of multiple remittance permits, the buyer does not need to open a new electronic certificate to complete the next payment once the payment is completed. This improves the convenience and flexibility of using the electronic certificate and simplifies the buyer's payment process. At the same time, the funds associated with the electronic certificate freeze in the buyer's own account, both to protect the safety of the buyer's funds, but also does not affect the buyer's interest income. In the above way, the present invention can simplify the payment process and effectively ensure that the financial benefits of the First Participant and the Second Participant (such as the buyer and the seller) are not impaired.
A brief description of the drawings Brief Description [0028] Figure 1 is a basic flow diagram based on the electronic certificate transaction in the example of the present invention;
[0029] Figure 2 is a flow chart of the first example of the electronic certificate solution payment method of the present invention;
[0030] Figure 3 is a flowchart of the second example of the electronic certificate solution payment method of the present invention;
[0031] Figure 4 is a flow chart of the electronic certificate solution payment method of the third example of the present invention;
[00321 Figure 5 is a block diagram of the first example of the electronic certificate solution payment system of the present invention;
[00331 Figure 6 is a block diagram of an example of the electronic certificate settlement device of the present invention.
[00341 Figure 7 is a schematic block diagram of a second example of the electronic certificate settlement device of the present invention.
[0035] 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 [0036] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.
[0037] In the examples of the present invention, the Funds-Management server is a server of the funds management institution and the funds management institution refers to an organization capable of supporting the flow of funds, including but not limited to banks and other financial institutions (such as securities institutions), that is, Funds-Management server includes a bank server or other financial institution server.
[0038] In this example of the present invention, an electronic certificate is an application which is issued by the buyer to the Funds and Management server and is opened by Funds-Management server, electronic commitment payment certificate is an Internet innovation basic financial instrument paid by funds management institution in accordance with the commitment of funds management institution. The electronic certificate is mainly for buyers' commodity. The seller downloads the cashier interface, and the buyer finishes the issuance of the electronic certificate. The seller completes the receipt and performance and submits the payment application. The electronic certificate expires automatically. The electronic certificate can be purchased not only for commodities, but also for collateral. For example, an individual may issue a letter of credit to a bank as a guarantee for the loan to others.
[00391 In this example of the present invention, the solution of electronic certificate means that after the issuing institution (such as a issuing bank) receives the payment application and confirms that the payment conditions are met, transfer funds associated with the electronic certificate to a collection agency (such as a collecting bank).
[0040] In the example of the present invention, the general flow of the network payment through the electronic certificate is as follows: the first Funds-Management server (that is, the issuing institution such as the issuing bank's server) is opened on the application of the First Participant electronic certificate, the second Funds-Management server accepts the receipt according to the application of the Second Participant, and the Second Participant delivers the second Funds-Management server to the first Funds-Management server submits the settlement application, the first Funds-Management server solves the electronic certificate according to the settlement application, and transfers the funds of the First Participant associated with the electronic certificate to the Second Participant.
[0041] In this example of the present invention, the entire transaction process includes several periods as shown in Figure I, including the issuing period, the collection period, the performance period, the receipt period, the settlement period and the settlement period, in which:
[0042] The opening date: after the First Participant and the Second Participant form the trade order, the First Participant (such as the buyer) applies to the first Funds-Management server (that is, the issuing institution such as the issuing bank's server) when the trade order is formed or the trade order is formed. Open electronic certificate. The first Funds-Management server opens an electronic certificate according to the buyer's application for issuance, and stores the amount of the electronic certificate in the account designated by First Participant accordingly (for example, the funds or credit in the frozen account is frozen, and the credit for freezing is divided into two situations:
one from the beginning of the frozen funds, the first Funds-Management server start calculating interest, that is, First Participant using a credit card limit; the other is received from the Second Participant credit corresponding funds, the first Funds-Management server began to calculate interest).
[0043] Collection period: Second Participant (for example, the seller) applies for a certificate to the second Funds-Management server (that is, the receiving institution's server such as a receiving bank), and the electronic certificate expires if the certificate is overdue, and the second Funds-Management server verifies the information certificate.
[00441 Compliance Period: Second Participant submit compliance information (such as shipping information), overdue electronic certificate is invalid.
[0045] Signature Period: The Second Participant applies for the payment and fails to submit the payment information (such as the receipt information). After the Second Participant applies for settlement, the electronic certificate enters the settlement period.
[0046] In the electronic certificate solution method of the present invention, the Second Participant submits multiple (at least two) settlement requests to the first Funds-Management server for the same electronic certificate successively through the second Funds-Management server, the first Funds-Management server determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate, and if yes, executes the solution on the electronic certificate.
[0047] In the following, the payment of the electronic certificate will be described in detail through specific examples.
[0048] Please refer to Figure 2, the first example of the present invention electronic certificate solution payment method, the method includes the following steps:
[0049] S11, the Second Participant delivers the application for the n-th application to the Second Funds-Management server for the same electronic certificate.
[0050] In this step S11, the Second Participant (for example, seller) finishes the transaction condition corresponding to the electronic certificate according to the settlement condition of the electronic certificate, and logs in the corresponding webpage or opens the corresponding application, and delivers the electronic certificate to the second Funds -Management server delivers the n-th solution application, where n = 1, 2, 3 ..., i.e. the first solution application, the second solution application, the third solution application ....
[0051] S12, the second Funds-Management server forwards the n-th solution application to the first Funds-Management server.
[00521 Optionally, after receiving the settlement request, the second Funds-Management server forwards the request directly to the first Funds-Management server.
[0053] Preferably, after the second Funds-Management server receives the settlement request, it obtains the settlement information in the settlement application and verifies the settlement information. After the verification is passed, the solution is forwarded to the first Funds-Management server. After the verification fails, the packet will not be forwarded and the Second Participant fails verification. For example, an error message is returned to the Second Participant. The payment information includes Second Participant identity information, dynamic payment code or / and settlement password, such as:
verifying the identity of the Second Participant, verifying the application to the first Funds-Management server by forwarding the solution, or returning an error prompt information.
[00541 S13. The first Funds-Management server verifies the electronic certificate corresponding to the settlement application, and determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate. When the settlement application amount is less than or equal to the remaining amount of the electronic certificate, step S14 is executed. When the settlement application amount is greater than the remaining amount of the electronic certificate, the process ends without payment and may be delivered to the second Funds-Management server error message.
[0055] The remaining amount of the electronic certificate refers to the unsold funds frozen in the account associated with the electronic certificate. The account associated with the electronic certificate, which is the account designated by First Participant (e.g. buyer) when applying for an electronic certificate.
[00561 Optionally, the first Funds-Management server also verifies the status of the electronic certificate to verify whether the electronic certificate is valid, and returns an error message to the second Funds-Management server when the electronic certificate is invalid, When the electronic certificate valid and the settlement application amount is less than or equal to the remaining amount of the electronic certificate, step S14 is executed. To verify whether the electronic certificate is valid and determine whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate, the order of verification is not valid. When the electronic certificate is valid, determine whether the application amount is less than or the remaining amount of the electronic certificate. it can also determine whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate. If the settlement amount is less than or equal to the remaining amount of the electronic certificate, verify that the electronic certificate is valid.
[00571 Optionally, when the second Funds-Management server does not verify the settlement information contained in the settlement application, the first Funds-Management server also verifies the settlement information, and the step S14 is executed when the payment information is verified and the electronic certificate is not fully paid.
There is no restriction on the sequence of verifying the settlement information and judging whether the electronic certificate is completely settled.
[0058] Optionally, when the payment information is at least two, part of the payment information may be respectively verified by the second Funds-Management server and the first Funds-Management server. For example, the second Funds-Management server verifies the Second Participant identity, the first Funds-Management server authentication solution password.
[0059] Optionally, the first Funds-Management server verifies both the settlement information and the electronic certificate are valid and determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate.
[0060] Further, after the foregoing verification is passed and the settlement application amount is determined to be less than or equal to the remaining amount of the electronic certificate, the first Funds-Management server updates the status of the electronic certificate to be released and may deliver the solution to the First Participant notification.
[006 Ij S14, the first Funds-Management server performs the n-th solution payment on the electronic certificate.
[0062] Specifically, the first Funds-Management server partially freezes the funds or credit lines frozen in the account associated with the electronic certificate according to the settlement application amount (the amount of the unfreeze is equal to the amount of the application for settlement), and transfer the released funds to the second Funds-Management server.
The second Funds-Management server will eventually transfer the funds to the account designated by Second Participant.
[00631 Further, after the electronic certificate is released, the first Funds-Management server updates the status of the electronic certificate to be pending for payment, prepares to receive the next settlement request, and delivers the updated information to the second Funds-Management server. When it is determined in step S13 that the electronic certificate has been completely settled (that is, the remaining amount of the electronic certificate is zero), the status of the electronic certificate is updated as solved and the update information is delivered to the second Funds-Management server.
[0064] Step SI4 is completed and then return to step S11, continue to the next electronic certificate settlement process until the electronic certificate completely solved.
[0065] In the foregoing example, the funds for each solution payment may be set in advance, each time a certain amount of money is paid out of the same amount, and the funds required for settlement at the current time may also be specified in each payment application.
[0066] Figure 3, a solution of the second example of the electronic certificate payment method of the present invention is proposed. The method of this example is applied to the foregoing first Funds-Management server. The method includes the following steps:
[0067] S21, receiving the nth settlement request delivered by the second Funds-Management server for the same electronic certificate.
[0068] Specifically, after completing the transaction condition corresponding to the electronic certificate according to the settlement condition of the electronic certificate, the Second Participant delivers the n-th payment application to the second Funds-Management server by logging in to the corresponding webpage or opening the corresponding application. The second Funds-Management server then forwards the n th solution application to the first Funds-Management server, where n = 1, 2, 3 ..., that is, the first settlement application, the second settlement application, 3rd solution payment application [0069] S22, verifying the electronic certificate corresponding to the settlement application, judging whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate. When the settlement application amount is less than or equal to the remaining amount of the electronic certificate, step S14 is executed. When the settlement application amount is greater than the remaining amount of the electronic certificate, the process ends without payment and may be delivered to the second Funds-Management server error message.
[0070] Optionally, the first Funds-Management server also verifies the status of the electronic certificate to verify whether the electronic certificate is valid, and returns an error message to the second Funds-Management server when the electronic certificate is invalid. When the electronic certificate valid and the settlement application amount is less than or equal to the remaining amount of the electronic certificate, step S14 is executed. The order of verifying the validity of electronic certificate and judging whether the settlement application amount is less than or equal to the remaining amount of electronic certificate is not limited.
[0071] Optionally, when the second Funds-Management server does not verify the payment information contained in the payment application, the first Funds-Management server also verifies the payment information, and when the payment information verification the solution payment. When the application amount is less than or equal to the remaining amount of the electronic certificate, step S23 is executed. The sequence of verifying the settlement information and judging whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate is not limited.
[0072] Optionally, when the payment information is at least two, part of the payment information may be respectively verified by the second Funds-Management server and the first Funds-Management server. For example, the second Funds-Management server verifies the Second Participant identity, the first Funds-Management server authentication solution password.
[0073] Optionally, the first Funds-Management server verifies both the settlement information and the electronic certificate and determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate.
[00741 Further, after the foregoing verification is passed and the settlement application amount is determined to be less than or equal to the remaining amount of the electronic certificate, the first Funds-Management server updates the status of the electronic certificate to be released and may deliver the solution to the buyer notification.
[0075] S23: Perform an n-th solution payment on the electronic certificate.
[0076] Specifically, the first Funds-Management server partially freezes the funds or credit lines frozen in the account associated with the electronic certificate according to the settlement application amount, and transfer the released funds to the second Funds-Management server. The second Funds-Management server will eventually transfer the funds to the account designated by Second Participant.
[0077] Further, after the electronic certificate is released, the first Funds-Management server updates the status of the electronic certificate to be pending for payment, prepares for the next solution, and delivers the updated information to the second Funds-Management server. When it is determined in step S22 that the electronic certificate has been completely settled (that is, the remaining amount of the electronic certificate is zero), the status of the electronic certificate is updated as solved and the update information is delivered to the second Funds-Management server.
[0078] After step S23 is completed, the process returns to step S21 to proceed to the next solution of electronic certificate settlement until the electronic certificate is completely settled.
[0079] Please refer to Figure 4, a third example of the electronic certificate payment method of the present invention is proposed. The method of this example is applied to the foregoing second Funds-Management server. The method includes the following steps:
[00801 S3 I, at least two applications for payment have been delivered successively by the Second Participant on the same electronic certificate.
[00811 S32. For each solution payment application, verifying the payment information contained in the payment settlement application. After the verification is passed, step S33 is executed;
when the verification fails, step S34 is performed.
[0082] The settlement information includes Second Participant identity information, dynamic settlement code or / and settlement payment password.
[0083] S33: Forwarding the solution application to the first Funds-Management server.
[0084] S34, not forwarded to apply for solution. And can return an error message to Second Participant.
[00851 "lherefore, the electronic certificate solution payment method of the present invention allows multiple payments for the same electronic certificate, i.e., multiple reissues of a single issuance of a certificate, so that the buyer does not need to open a new electronic certificate after completing one payment to complete the next payment, to improve the convenience and flexibility of electronic certificate use, simplifying the buyer's payment process. At the same time, the funds associated with the electronic certificate freeze in the buyer's own account, both to protect the safety of the buyer's funds, but also does not affect the buyer's interest income.
[0086] Please refer to Figure 5, an electronic certificate solution payment system according to an example of the present invention is proposed. The system includes a First Participant, a Second Participant, a first Funds-Management server and a second Funds-Management server, wherein:
[0087] First Participant: Set to submit a certificate of issuance to the first Funds-Management server and apply for the establishment of an electronic certificate.
[0088] The second Funds-Management server: set to forward at least two payment repayments delivered by the Second Participant to the same electronic certificate successively to the first Funds-Management server.
[0089] Optionally, after receiving the settlement request, the second Funds-Management server forwards the request directly to the first Funds-Management server.
[0090] Preferably, after the second Funds-Management server receives the settlement request, it obtains the settlement information in the settlement application and verifies the settlement information. After the verification is passed, the solution is forwarded to the first Funds-Management server. After the verification fails, the packet will not be forwarded and the Second Participant fails verification. For example. an error message is returned to the Second Participant. The settlement information includes Second Participant identity information, dynamic settlement code or / and settlement payment password.
[0091] The first Funds-Management server: set to receive the same electronic certificate at least twice the solution to the application, for each solution to apply for payment, to determine whether the solution payment claim amount is less than or equal to the remaining amount of electronic certificate. When the settlement application amount is less than or equal to the remaining amount of the electronic certificate, perform the settlement; when the settlement application amount is greater than the remaining amount of the electronic certificate, no payment will be made and the second Funds-Management server will be delivered notice of discharge.
[0092] The remaining amount of the electronic certificate refers to the unsold funds frozen in the account associated with the electronic certificate. The account associated with the electronic certificate, which is the account designated by First Participant when applying for an electronic certificate.
[00931 Optionally, the first Funds-Management server also verifies the status of the electronic certificate to verify whether the electronic certificate is valid, and returns an error message to the second Funds-Management server when the electronic certificate is invalid. When the electronic certificate valid and the settlement application amount is less than or equal to the remaining amount of the electronic certificate, step S14 is executed.
Optionally, when the second Funds-Management server does not verify the settlement information contained II
in the settlement application, the first Funds-Management server also verifies the settlement information. When the settlement information is verified and the settlement application amount is less than or equal to the remaining amount of electronic certificate.
[0094] Optionally, when the payment information is at least two, part of the payment information may be respectively verified by the second Funds-Management server and the first Funds-Management server. For example, the second Funds-Management server verifies the Second Participant identity, the first Funds-Management server authentication solution password.
[0095] Optionally, the first Funds-Management server verifies both the settlement information and the electronic certificate and determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate.
[00961 Further, after the foregoing verification is passed and the settlement application amount is determined to be less than or equal to the remaining amount of the electronic certificate, the first Funds-Management server updates the status of the electronic certificate to be released and may deliver the solution to the buyer notification.
[0097] The first Funds-Management server performs the solution to the electronic certificate specifically as follows: the first Funds-Management server partially freezes the funds or credit lines frozen in the account associated with the electronic certificate according to the settlement application amount, and transfer the released funds to the second Funds-Management server. The second Funds-Management server will eventually transfer the funds to the account designated by Second Participant.
[0098] Further, after the electronic certificate is released, the first Funds-Management server updates the status of the electronic certificate to be pending for payment, prepares to receive the next settlement request, and delivers the updated information to the second Funds-Management server. When it is determined that the electronic certificate has been completely settled (that is, the remaining amount of the electronic certificate is zero), the status of the electronic certificate is updated as solved and the update information is delivered to the second Funds-Management server.
[0099] The system for providing an electronic certificate provided by the above example belongs to the same concept as the method example for an electronic certificate. For the specific implementation process, refer to the method example for details. The technical characteristics of the method are applicable in the system implementation cases.
[0100] Please refer to Figure 6, a first example of an electronic certificate solution deliverer according to the present invention is proposed. The device in this example is applied to the foregoing first Funds-Management server. The device includes a first receiving module and a solution releasing module, where:
[0101] The first receiving module is used to receive at least two payment application delivered successively by the second Funds-Management server on the same electronic certificate.
[0102] Solution module: set for each solution to pay the application, to determine the amount of the solution payment is less than or equal to the remaining amount of electronic certificate;
if the settlement application amount is less than or equal to the remaining amount of the electronic certificate, the payment of electronic certificate is performed.
[0103] Wherein, the solution payment module includes a verification unit and a solution payment unit, the verification unit is used to determine whether the electronic certificate payment application amount is less than or equal to the remaining amount of the electronic certificate, and deliver the determination result to the solution payment unit; In case the application amount is less than or equal to the remaining amount of the electronic certificate, the electronic certificate shall be released.
[0104] Optionally, the verification unit also verifies the status of the electronic certificate and delivers the verification result to the settlement unit; when the electronic certificate is valid and the settlement application amount is less than or equal to the remaining amount of the electronic certificate, the settlement unit Execute solution payment.
[0105] Optionally, the verification unit also verifies the settlement information contained in the settlement application and delivers the verification result to the settlement unit; when the settlement information verification is passed and the settlement application amount is less than or equal to the remaining amount of the electronic certificate when the solution unit to pay the implementation of the solution.
[0106] Optionally, the verification unit simultaneously verifies the settlement information and the electronic certificate and determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate; when the settlement payment information is verified, the electronic certificate is valid and the settlement application amount is less than or Equal to the remaining amount of electronic certificate, the solution unit to pay the implementation of the solution.
[0107] The solution payment unit performs the solution settlement specifically as follows:
according to the settlement application amount, the funds or credit limits frozen in the account associated with the electronic certificate are unfrozen, and the unfrozen funds are transferred to the second Funds-Management server. Second Funds-Management server will eventually pay the funds transferred to the Second Participant designated account.
[0108] Further, after the foregoing verification is passed and the settlement application amount is determined to be less than or equal to the remaining amount of the electronic certificate, the settlement unit updates the status of the electronic certificate to be released and may deliver a settlement notice to the buyer.
[0109] Further, after the electronic certificate is resolved, the solution issuing unit updates the status of the electronic certificate to be pending for payment, prepares for the next solution, and delivers the updated information to the second Funds-Management server.
After the verification unit determines that the electronic certificate has been fully settled (the remaining limit of the electronic certificate is zero), the verification unit updates the state of the electronic certificate to be settled and delivers the updated information to the second Funds-Management server.
[0110] Please refer to Figure 7, a second example of an electronic certificate solution deliverer according to the present invention is proposed. The device in this example is applied to the foregoing second Funds-Management server and includes a second receiving module, a verification module, and a delivering module, where:
[0111] The second receiving module is used to receive at least two payment repayments delivered successively by the Second Participant on the same electronic certificate;
[0112] The verification module is used to verify, for each settlement application, the settlement information contained in the settlement application, and the settlement information includes Second Participant identity information, a dynamic settlement code or / and a settlement password, and so on.
[0113] The delivering module is used to forward the settlement application to the first Funds-Management server after the verification of the settlement information is passed, not to forward the verification after the verification fails, and notify the Second Participant that the verification fails, such as returning to the Second Participant Error message.
[0114] The device for providing an electronic certificate provided by the above example belongs to the same concept as the method example for an electronic certificate. For the specific implementation process, refer to the method example for details. The technical characteristics of the method are applicable in the device implementation cases.
[0115] In some examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.
[0116] Therefore, the electronic certificate solution payment device of the present invention allows multiple payments for the same electronic certificate, i.e., multiple reissues of a single issuance of a certificate, so that the buyer does not need to open a new electronic certificate after completing one payment to complete the next payment, to improve the convenience and flexibility of electronic certificate use, simplifying the buyer's payment process. At the same time, the funds associated with the electronic certificate freeze in the buyer's own account, both to protect the safety of the buyer's funds, but also does not affect the buyer's interest income.
[0117] 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.
[0118] A person of skill in the art will understand that the realization of all or part of the steps of the method described above may be controlled by a program to control the associated hardware completion, which may be stored in a computer-readable storage medium. The storage medium may be ROM / RAM, a magnetic disk, an optical disk, etc.
[0119] 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.
[0120] The present invention provides a method and device for electronic certificate settlement, on the one hand, through the electronic certificate to pay, reducing the transaction risk; the other hand, allows the same electronic certificate multiple payment, that is, once with the issuance of multiple remittance permits, the buyer does not need to open a new electronic certificate to complete the next payment once the payment is completed. This improves the convenience and flexibility of using the electronic certificate and simplifies the buyer's payment process. At the same time, the funds associated with the electronic certificate freeze in the buyer's own account, both to protect the safety of the buyer's funds, but also does not affect the buyer's interest income. In the above way, the present invention can simplify the payment process and effectively ensure that the financial benefits of the First Participant and the Second Participant (such as the buyer and the seller) are not impaired.
Date Recue/Date Received 2020-07-20
[00161 The present invention also proposes an electronic certificate solution payment system, including a Second Participant, a first Funds-Management server and a second Funds-Management server, wherein:
[0017] The Second Participant is used to deliver at least two payment requests to the second Funds-Management server one after another for the same electronic certificate;
[0018] The second Funds-Management server is used to forward the at least two payment settlement requests to the first Funds-Management server successively;
[0019] The first Funds-Management server is used to receive at least two payment requests one after the other, and determine, for each payment application, whether the payment claim amount is less than or equal to the remaining amount of the electronic certificate. If yes, solution payment is executed on the electronic certificate.
[0020] The present invention also proposes an electronic certificate payment device, which is applied to the first Funds-Management server, including the first receiving module and the payment module, wherein:
[0021] The first receiving module is used to successively receive at least two payment requests delivered successively by the second Funds-Management server for the same electronic certificate;
[0022] The solution module is used to determine, for each settlement application, whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate; and if yes, execute solution settlement on the electronic certificate.
[0023] The present invention also provides an electronic certificate solution payment device, applied to a second Funds-Management server, including a second receiving module, a verification module and a delivering module, wherein:
[0024] The second receiving module is used to receive at least two payment repayments delivered successively by the Second Participant on the same electronic certificate;
[00251 The verification module is used to verify, for each settlement application, the settlement information contained in the settlement application;
[0026] The delivering module is used to forward the payment settlement request to the first Funds-Management server after the payment information verification passes.
The beneficial effect of the invention Beneficial effect [00271 The present invention provides a method and device for electronic certificate settlement, on the one hand, through the electronic certificate to pay, reducing the transaction risk; the other hand, allows the same electronic certificate multiple payment, that is, once with the issuance of multiple remittance permits, the buyer does not need to open a new electronic certificate to complete the next payment once the payment is completed. This improves the convenience and flexibility of using the electronic certificate and simplifies the buyer's payment process. At the same time, the funds associated with the electronic certificate freeze in the buyer's own account, both to protect the safety of the buyer's funds, but also does not affect the buyer's interest income. In the above way, the present invention can simplify the payment process and effectively ensure that the financial benefits of the First Participant and the Second Participant (such as the buyer and the seller) are not impaired.
A brief description of the drawings Brief Description [0028] Figure 1 is a basic flow diagram based on the electronic certificate transaction in the example of the present invention;
[0029] Figure 2 is a flow chart of the first example of the electronic certificate solution payment method of the present invention;
[0030] Figure 3 is a flowchart of the second example of the electronic certificate solution payment method of the present invention;
[0031] Figure 4 is a flow chart of the electronic certificate solution payment method of the third example of the present invention;
[00321 Figure 5 is a block diagram of the first example of the electronic certificate solution payment system of the present invention;
[00331 Figure 6 is a block diagram of an example of the electronic certificate settlement device of the present invention.
[00341 Figure 7 is a schematic block diagram of a second example of the electronic certificate settlement device of the present invention.
[0035] 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 [0036] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.
[0037] In the examples of the present invention, the Funds-Management server is a server of the funds management institution and the funds management institution refers to an organization capable of supporting the flow of funds, including but not limited to banks and other financial institutions (such as securities institutions), that is, Funds-Management server includes a bank server or other financial institution server.
[0038] In this example of the present invention, an electronic certificate is an application which is issued by the buyer to the Funds and Management server and is opened by Funds-Management server, electronic commitment payment certificate is an Internet innovation basic financial instrument paid by funds management institution in accordance with the commitment of funds management institution. The electronic certificate is mainly for buyers' commodity. The seller downloads the cashier interface, and the buyer finishes the issuance of the electronic certificate. The seller completes the receipt and performance and submits the payment application. The electronic certificate expires automatically. The electronic certificate can be purchased not only for commodities, but also for collateral. For example, an individual may issue a letter of credit to a bank as a guarantee for the loan to others.
[00391 In this example of the present invention, the solution of electronic certificate means that after the issuing institution (such as a issuing bank) receives the payment application and confirms that the payment conditions are met, transfer funds associated with the electronic certificate to a collection agency (such as a collecting bank).
[0040] In the example of the present invention, the general flow of the network payment through the electronic certificate is as follows: the first Funds-Management server (that is, the issuing institution such as the issuing bank's server) is opened on the application of the First Participant electronic certificate, the second Funds-Management server accepts the receipt according to the application of the Second Participant, and the Second Participant delivers the second Funds-Management server to the first Funds-Management server submits the settlement application, the first Funds-Management server solves the electronic certificate according to the settlement application, and transfers the funds of the First Participant associated with the electronic certificate to the Second Participant.
[0041] In this example of the present invention, the entire transaction process includes several periods as shown in Figure I, including the issuing period, the collection period, the performance period, the receipt period, the settlement period and the settlement period, in which:
[0042] The opening date: after the First Participant and the Second Participant form the trade order, the First Participant (such as the buyer) applies to the first Funds-Management server (that is, the issuing institution such as the issuing bank's server) when the trade order is formed or the trade order is formed. Open electronic certificate. The first Funds-Management server opens an electronic certificate according to the buyer's application for issuance, and stores the amount of the electronic certificate in the account designated by First Participant accordingly (for example, the funds or credit in the frozen account is frozen, and the credit for freezing is divided into two situations:
one from the beginning of the frozen funds, the first Funds-Management server start calculating interest, that is, First Participant using a credit card limit; the other is received from the Second Participant credit corresponding funds, the first Funds-Management server began to calculate interest).
[0043] Collection period: Second Participant (for example, the seller) applies for a certificate to the second Funds-Management server (that is, the receiving institution's server such as a receiving bank), and the electronic certificate expires if the certificate is overdue, and the second Funds-Management server verifies the information certificate.
[00441 Compliance Period: Second Participant submit compliance information (such as shipping information), overdue electronic certificate is invalid.
[0045] Signature Period: The Second Participant applies for the payment and fails to submit the payment information (such as the receipt information). After the Second Participant applies for settlement, the electronic certificate enters the settlement period.
[0046] In the electronic certificate solution method of the present invention, the Second Participant submits multiple (at least two) settlement requests to the first Funds-Management server for the same electronic certificate successively through the second Funds-Management server, the first Funds-Management server determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate, and if yes, executes the solution on the electronic certificate.
[0047] In the following, the payment of the electronic certificate will be described in detail through specific examples.
[0048] Please refer to Figure 2, the first example of the present invention electronic certificate solution payment method, the method includes the following steps:
[0049] S11, the Second Participant delivers the application for the n-th application to the Second Funds-Management server for the same electronic certificate.
[0050] In this step S11, the Second Participant (for example, seller) finishes the transaction condition corresponding to the electronic certificate according to the settlement condition of the electronic certificate, and logs in the corresponding webpage or opens the corresponding application, and delivers the electronic certificate to the second Funds -Management server delivers the n-th solution application, where n = 1, 2, 3 ..., i.e. the first solution application, the second solution application, the third solution application ....
[0051] S12, the second Funds-Management server forwards the n-th solution application to the first Funds-Management server.
[00521 Optionally, after receiving the settlement request, the second Funds-Management server forwards the request directly to the first Funds-Management server.
[0053] Preferably, after the second Funds-Management server receives the settlement request, it obtains the settlement information in the settlement application and verifies the settlement information. After the verification is passed, the solution is forwarded to the first Funds-Management server. After the verification fails, the packet will not be forwarded and the Second Participant fails verification. For example, an error message is returned to the Second Participant. The payment information includes Second Participant identity information, dynamic payment code or / and settlement password, such as:
verifying the identity of the Second Participant, verifying the application to the first Funds-Management server by forwarding the solution, or returning an error prompt information.
[00541 S13. The first Funds-Management server verifies the electronic certificate corresponding to the settlement application, and determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate. When the settlement application amount is less than or equal to the remaining amount of the electronic certificate, step S14 is executed. When the settlement application amount is greater than the remaining amount of the electronic certificate, the process ends without payment and may be delivered to the second Funds-Management server error message.
[0055] The remaining amount of the electronic certificate refers to the unsold funds frozen in the account associated with the electronic certificate. The account associated with the electronic certificate, which is the account designated by First Participant (e.g. buyer) when applying for an electronic certificate.
[00561 Optionally, the first Funds-Management server also verifies the status of the electronic certificate to verify whether the electronic certificate is valid, and returns an error message to the second Funds-Management server when the electronic certificate is invalid, When the electronic certificate valid and the settlement application amount is less than or equal to the remaining amount of the electronic certificate, step S14 is executed. To verify whether the electronic certificate is valid and determine whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate, the order of verification is not valid. When the electronic certificate is valid, determine whether the application amount is less than or the remaining amount of the electronic certificate. it can also determine whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate. If the settlement amount is less than or equal to the remaining amount of the electronic certificate, verify that the electronic certificate is valid.
[00571 Optionally, when the second Funds-Management server does not verify the settlement information contained in the settlement application, the first Funds-Management server also verifies the settlement information, and the step S14 is executed when the payment information is verified and the electronic certificate is not fully paid.
There is no restriction on the sequence of verifying the settlement information and judging whether the electronic certificate is completely settled.
[0058] Optionally, when the payment information is at least two, part of the payment information may be respectively verified by the second Funds-Management server and the first Funds-Management server. For example, the second Funds-Management server verifies the Second Participant identity, the first Funds-Management server authentication solution password.
[0059] Optionally, the first Funds-Management server verifies both the settlement information and the electronic certificate are valid and determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate.
[0060] Further, after the foregoing verification is passed and the settlement application amount is determined to be less than or equal to the remaining amount of the electronic certificate, the first Funds-Management server updates the status of the electronic certificate to be released and may deliver the solution to the First Participant notification.
[006 Ij S14, the first Funds-Management server performs the n-th solution payment on the electronic certificate.
[0062] Specifically, the first Funds-Management server partially freezes the funds or credit lines frozen in the account associated with the electronic certificate according to the settlement application amount (the amount of the unfreeze is equal to the amount of the application for settlement), and transfer the released funds to the second Funds-Management server.
The second Funds-Management server will eventually transfer the funds to the account designated by Second Participant.
[00631 Further, after the electronic certificate is released, the first Funds-Management server updates the status of the electronic certificate to be pending for payment, prepares to receive the next settlement request, and delivers the updated information to the second Funds-Management server. When it is determined in step S13 that the electronic certificate has been completely settled (that is, the remaining amount of the electronic certificate is zero), the status of the electronic certificate is updated as solved and the update information is delivered to the second Funds-Management server.
[0064] Step SI4 is completed and then return to step S11, continue to the next electronic certificate settlement process until the electronic certificate completely solved.
[0065] In the foregoing example, the funds for each solution payment may be set in advance, each time a certain amount of money is paid out of the same amount, and the funds required for settlement at the current time may also be specified in each payment application.
[0066] Figure 3, a solution of the second example of the electronic certificate payment method of the present invention is proposed. The method of this example is applied to the foregoing first Funds-Management server. The method includes the following steps:
[0067] S21, receiving the nth settlement request delivered by the second Funds-Management server for the same electronic certificate.
[0068] Specifically, after completing the transaction condition corresponding to the electronic certificate according to the settlement condition of the electronic certificate, the Second Participant delivers the n-th payment application to the second Funds-Management server by logging in to the corresponding webpage or opening the corresponding application. The second Funds-Management server then forwards the n th solution application to the first Funds-Management server, where n = 1, 2, 3 ..., that is, the first settlement application, the second settlement application, 3rd solution payment application [0069] S22, verifying the electronic certificate corresponding to the settlement application, judging whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate. When the settlement application amount is less than or equal to the remaining amount of the electronic certificate, step S14 is executed. When the settlement application amount is greater than the remaining amount of the electronic certificate, the process ends without payment and may be delivered to the second Funds-Management server error message.
[0070] Optionally, the first Funds-Management server also verifies the status of the electronic certificate to verify whether the electronic certificate is valid, and returns an error message to the second Funds-Management server when the electronic certificate is invalid. When the electronic certificate valid and the settlement application amount is less than or equal to the remaining amount of the electronic certificate, step S14 is executed. The order of verifying the validity of electronic certificate and judging whether the settlement application amount is less than or equal to the remaining amount of electronic certificate is not limited.
[0071] Optionally, when the second Funds-Management server does not verify the payment information contained in the payment application, the first Funds-Management server also verifies the payment information, and when the payment information verification the solution payment. When the application amount is less than or equal to the remaining amount of the electronic certificate, step S23 is executed. The sequence of verifying the settlement information and judging whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate is not limited.
[0072] Optionally, when the payment information is at least two, part of the payment information may be respectively verified by the second Funds-Management server and the first Funds-Management server. For example, the second Funds-Management server verifies the Second Participant identity, the first Funds-Management server authentication solution password.
[0073] Optionally, the first Funds-Management server verifies both the settlement information and the electronic certificate and determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate.
[00741 Further, after the foregoing verification is passed and the settlement application amount is determined to be less than or equal to the remaining amount of the electronic certificate, the first Funds-Management server updates the status of the electronic certificate to be released and may deliver the solution to the buyer notification.
[0075] S23: Perform an n-th solution payment on the electronic certificate.
[0076] Specifically, the first Funds-Management server partially freezes the funds or credit lines frozen in the account associated with the electronic certificate according to the settlement application amount, and transfer the released funds to the second Funds-Management server. The second Funds-Management server will eventually transfer the funds to the account designated by Second Participant.
[0077] Further, after the electronic certificate is released, the first Funds-Management server updates the status of the electronic certificate to be pending for payment, prepares for the next solution, and delivers the updated information to the second Funds-Management server. When it is determined in step S22 that the electronic certificate has been completely settled (that is, the remaining amount of the electronic certificate is zero), the status of the electronic certificate is updated as solved and the update information is delivered to the second Funds-Management server.
[0078] After step S23 is completed, the process returns to step S21 to proceed to the next solution of electronic certificate settlement until the electronic certificate is completely settled.
[0079] Please refer to Figure 4, a third example of the electronic certificate payment method of the present invention is proposed. The method of this example is applied to the foregoing second Funds-Management server. The method includes the following steps:
[00801 S3 I, at least two applications for payment have been delivered successively by the Second Participant on the same electronic certificate.
[00811 S32. For each solution payment application, verifying the payment information contained in the payment settlement application. After the verification is passed, step S33 is executed;
when the verification fails, step S34 is performed.
[0082] The settlement information includes Second Participant identity information, dynamic settlement code or / and settlement payment password.
[0083] S33: Forwarding the solution application to the first Funds-Management server.
[0084] S34, not forwarded to apply for solution. And can return an error message to Second Participant.
[00851 "lherefore, the electronic certificate solution payment method of the present invention allows multiple payments for the same electronic certificate, i.e., multiple reissues of a single issuance of a certificate, so that the buyer does not need to open a new electronic certificate after completing one payment to complete the next payment, to improve the convenience and flexibility of electronic certificate use, simplifying the buyer's payment process. At the same time, the funds associated with the electronic certificate freeze in the buyer's own account, both to protect the safety of the buyer's funds, but also does not affect the buyer's interest income.
[0086] Please refer to Figure 5, an electronic certificate solution payment system according to an example of the present invention is proposed. The system includes a First Participant, a Second Participant, a first Funds-Management server and a second Funds-Management server, wherein:
[0087] First Participant: Set to submit a certificate of issuance to the first Funds-Management server and apply for the establishment of an electronic certificate.
[0088] The second Funds-Management server: set to forward at least two payment repayments delivered by the Second Participant to the same electronic certificate successively to the first Funds-Management server.
[0089] Optionally, after receiving the settlement request, the second Funds-Management server forwards the request directly to the first Funds-Management server.
[0090] Preferably, after the second Funds-Management server receives the settlement request, it obtains the settlement information in the settlement application and verifies the settlement information. After the verification is passed, the solution is forwarded to the first Funds-Management server. After the verification fails, the packet will not be forwarded and the Second Participant fails verification. For example. an error message is returned to the Second Participant. The settlement information includes Second Participant identity information, dynamic settlement code or / and settlement payment password.
[0091] The first Funds-Management server: set to receive the same electronic certificate at least twice the solution to the application, for each solution to apply for payment, to determine whether the solution payment claim amount is less than or equal to the remaining amount of electronic certificate. When the settlement application amount is less than or equal to the remaining amount of the electronic certificate, perform the settlement; when the settlement application amount is greater than the remaining amount of the electronic certificate, no payment will be made and the second Funds-Management server will be delivered notice of discharge.
[0092] The remaining amount of the electronic certificate refers to the unsold funds frozen in the account associated with the electronic certificate. The account associated with the electronic certificate, which is the account designated by First Participant when applying for an electronic certificate.
[00931 Optionally, the first Funds-Management server also verifies the status of the electronic certificate to verify whether the electronic certificate is valid, and returns an error message to the second Funds-Management server when the electronic certificate is invalid. When the electronic certificate valid and the settlement application amount is less than or equal to the remaining amount of the electronic certificate, step S14 is executed.
Optionally, when the second Funds-Management server does not verify the settlement information contained II
in the settlement application, the first Funds-Management server also verifies the settlement information. When the settlement information is verified and the settlement application amount is less than or equal to the remaining amount of electronic certificate.
[0094] Optionally, when the payment information is at least two, part of the payment information may be respectively verified by the second Funds-Management server and the first Funds-Management server. For example, the second Funds-Management server verifies the Second Participant identity, the first Funds-Management server authentication solution password.
[0095] Optionally, the first Funds-Management server verifies both the settlement information and the electronic certificate and determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate.
[00961 Further, after the foregoing verification is passed and the settlement application amount is determined to be less than or equal to the remaining amount of the electronic certificate, the first Funds-Management server updates the status of the electronic certificate to be released and may deliver the solution to the buyer notification.
[0097] The first Funds-Management server performs the solution to the electronic certificate specifically as follows: the first Funds-Management server partially freezes the funds or credit lines frozen in the account associated with the electronic certificate according to the settlement application amount, and transfer the released funds to the second Funds-Management server. The second Funds-Management server will eventually transfer the funds to the account designated by Second Participant.
[0098] Further, after the electronic certificate is released, the first Funds-Management server updates the status of the electronic certificate to be pending for payment, prepares to receive the next settlement request, and delivers the updated information to the second Funds-Management server. When it is determined that the electronic certificate has been completely settled (that is, the remaining amount of the electronic certificate is zero), the status of the electronic certificate is updated as solved and the update information is delivered to the second Funds-Management server.
[0099] The system for providing an electronic certificate provided by the above example belongs to the same concept as the method example for an electronic certificate. For the specific implementation process, refer to the method example for details. The technical characteristics of the method are applicable in the system implementation cases.
[0100] Please refer to Figure 6, a first example of an electronic certificate solution deliverer according to the present invention is proposed. The device in this example is applied to the foregoing first Funds-Management server. The device includes a first receiving module and a solution releasing module, where:
[0101] The first receiving module is used to receive at least two payment application delivered successively by the second Funds-Management server on the same electronic certificate.
[0102] Solution module: set for each solution to pay the application, to determine the amount of the solution payment is less than or equal to the remaining amount of electronic certificate;
if the settlement application amount is less than or equal to the remaining amount of the electronic certificate, the payment of electronic certificate is performed.
[0103] Wherein, the solution payment module includes a verification unit and a solution payment unit, the verification unit is used to determine whether the electronic certificate payment application amount is less than or equal to the remaining amount of the electronic certificate, and deliver the determination result to the solution payment unit; In case the application amount is less than or equal to the remaining amount of the electronic certificate, the electronic certificate shall be released.
[0104] Optionally, the verification unit also verifies the status of the electronic certificate and delivers the verification result to the settlement unit; when the electronic certificate is valid and the settlement application amount is less than or equal to the remaining amount of the electronic certificate, the settlement unit Execute solution payment.
[0105] Optionally, the verification unit also verifies the settlement information contained in the settlement application and delivers the verification result to the settlement unit; when the settlement information verification is passed and the settlement application amount is less than or equal to the remaining amount of the electronic certificate when the solution unit to pay the implementation of the solution.
[0106] Optionally, the verification unit simultaneously verifies the settlement information and the electronic certificate and determines whether the settlement application amount is less than or equal to the remaining amount of the electronic certificate; when the settlement payment information is verified, the electronic certificate is valid and the settlement application amount is less than or Equal to the remaining amount of electronic certificate, the solution unit to pay the implementation of the solution.
[0107] The solution payment unit performs the solution settlement specifically as follows:
according to the settlement application amount, the funds or credit limits frozen in the account associated with the electronic certificate are unfrozen, and the unfrozen funds are transferred to the second Funds-Management server. Second Funds-Management server will eventually pay the funds transferred to the Second Participant designated account.
[0108] Further, after the foregoing verification is passed and the settlement application amount is determined to be less than or equal to the remaining amount of the electronic certificate, the settlement unit updates the status of the electronic certificate to be released and may deliver a settlement notice to the buyer.
[0109] Further, after the electronic certificate is resolved, the solution issuing unit updates the status of the electronic certificate to be pending for payment, prepares for the next solution, and delivers the updated information to the second Funds-Management server.
After the verification unit determines that the electronic certificate has been fully settled (the remaining limit of the electronic certificate is zero), the verification unit updates the state of the electronic certificate to be settled and delivers the updated information to the second Funds-Management server.
[0110] Please refer to Figure 7, a second example of an electronic certificate solution deliverer according to the present invention is proposed. The device in this example is applied to the foregoing second Funds-Management server and includes a second receiving module, a verification module, and a delivering module, where:
[0111] The second receiving module is used to receive at least two payment repayments delivered successively by the Second Participant on the same electronic certificate;
[0112] The verification module is used to verify, for each settlement application, the settlement information contained in the settlement application, and the settlement information includes Second Participant identity information, a dynamic settlement code or / and a settlement password, and so on.
[0113] The delivering module is used to forward the settlement application to the first Funds-Management server after the verification of the settlement information is passed, not to forward the verification after the verification fails, and notify the Second Participant that the verification fails, such as returning to the Second Participant Error message.
[0114] The device for providing an electronic certificate provided by the above example belongs to the same concept as the method example for an electronic certificate. For the specific implementation process, refer to the method example for details. The technical characteristics of the method are applicable in the device implementation cases.
[0115] In some examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.
[0116] Therefore, the electronic certificate solution payment device of the present invention allows multiple payments for the same electronic certificate, i.e., multiple reissues of a single issuance of a certificate, so that the buyer does not need to open a new electronic certificate after completing one payment to complete the next payment, to improve the convenience and flexibility of electronic certificate use, simplifying the buyer's payment process. At the same time, the funds associated with the electronic certificate freeze in the buyer's own account, both to protect the safety of the buyer's funds, but also does not affect the buyer's interest income.
[0117] 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.
[0118] A person of skill in the art will understand that the realization of all or part of the steps of the method described above may be controlled by a program to control the associated hardware completion, which may be stored in a computer-readable storage medium. The storage medium may be ROM / RAM, a magnetic disk, an optical disk, etc.
[0119] 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.
[0120] The present invention provides a method and device for electronic certificate settlement, on the one hand, through the electronic certificate to pay, reducing the transaction risk; the other hand, allows the same electronic certificate multiple payment, that is, once with the issuance of multiple remittance permits, the buyer does not need to open a new electronic certificate to complete the next payment once the payment is completed. This improves the convenience and flexibility of using the electronic certificate and simplifies the buyer's payment process. At the same time, the funds associated with the electronic certificate freeze in the buyer's own account, both to protect the safety of the buyer's funds, but also does not affect the buyer's interest income. In the above way, the present invention can simplify the payment process and effectively ensure that the financial benefits of the First Participant and the Second Participant (such as the buyer and the seller) are not impaired.
Date Recue/Date Received 2020-07-20
Claims (23)
1. An electronic certificate payment device in an electronic transaction, applied in a first funds management server, the device comprising:
a first receiving module configured to successively receive a plurality of payment requests delivered from the second funds management server for a single electronic certificate, wherein each payment request includes a payment amount;
a settlement module configured to:
detennine whether each payment amount from the plurality of payment requests is less than or equal to a remaining amount on the single electronic certificate;
execute each payment when each payment amount is less than or equal to the remaining amount on the single electronic certificate for allowing multiple payments for the single electronic certificate to improve flexibility and convenience of use of the electronic certificate; and where if the payment amount from the payment request is greater than the remaining amount on the single electronic certificate, reject the payment request for payment settlement.
a first receiving module configured to successively receive a plurality of payment requests delivered from the second funds management server for a single electronic certificate, wherein each payment request includes a payment amount;
a settlement module configured to:
detennine whether each payment amount from the plurality of payment requests is less than or equal to a remaining amount on the single electronic certificate;
execute each payment when each payment amount is less than or equal to the remaining amount on the single electronic certificate for allowing multiple payments for the single electronic certificate to improve flexibility and convenience of use of the electronic certificate; and where if the payment amount from the payment request is greater than the remaining amount on the single electronic certificate, reject the payment request for payment settlement.
2. The device of claim 1 wherein the settlement module comprises:
a verification unit configured to:
verify whether the single electronic certificate is valid; and determine whether the payment amount is less than or equal to the remaining amount on the single electronic certificate; and where if the payment amount is equal to the remaining amount on the single electronic certificate, update status of electronic certificate as "settled"
to deliver status update information to a second funds management server;
a payout unit configured to:
settle the single electronic certificate when (i) the single electronic certificate is valid and (ii) the payment amount is less than or equal to the remaining amount on the single electronic certificate; and update the status of electronic certificate as "to-be-settled" when the payment amount is less than the remaining amount on the single electronic certificate.
a verification unit configured to:
verify whether the single electronic certificate is valid; and determine whether the payment amount is less than or equal to the remaining amount on the single electronic certificate; and where if the payment amount is equal to the remaining amount on the single electronic certificate, update status of electronic certificate as "settled"
to deliver status update information to a second funds management server;
a payout unit configured to:
settle the single electronic certificate when (i) the single electronic certificate is valid and (ii) the payment amount is less than or equal to the remaining amount on the single electronic certificate; and update the status of electronic certificate as "to-be-settled" when the payment amount is less than the remaining amount on the single electronic certificate.
3. The device of claim 2, wherein the payout unit is further configured to unfreeze the frozen amount in an account corresponding to the payment amount to transfer the unfrozen amount to a designated account through the second funds-management server.
4. The device of any one of claims 1 to 3, wherein the first funds management server is the same server with the second funds-management server.
5. The device of any one of claims 1 to 4, wherein the funds management server is a server of a funds management institution.
6. The device of any one of claims 1 to 4, wherein the funds management server is a bank server.
7. The device of any one of claims 1 to 4, wherein the funds management server is a financial institution server.
8. The device of any one of claims 1 to 7, wherein the single electronic certificate expires automatically.
9. The device of any one of claims 2 to 8, wherein the verification unit is further configured to deliver a verification result to the payout unit.
10. The device of any one of claims 2 to 9, wherein the payout unit is further configured to deliver a settlement notice to a buyer.
11. The device of any one of claims 1 to 10, wherein the electronic certificate is mainly used for commodity/service trading between buyer and seller in the electronic transaction.
12. The device of any one of claims 1 to 11, wherein the remaining amount on the single electronic certificate is a to-be-settled frozen amount of funds in the account associated with the electronic certificate.
13. An electronic certificate payment device in an electronic transaction, applied in a second funds management server, the device comprising:
a receiving module configured to successively receive a plurality of settlement applications delivered from a terminal for a single electronic certificate, wherein each settlement application includes settlement infoimation;
a verification module configured to verify the settlement information from each settlement application in the plurality of settlement applications; and a delivering module configured to forward the settlement applications to a first funds management server once the settlement information has been verified for allowing multiple settlements for the single electronic certificate.
a receiving module configured to successively receive a plurality of settlement applications delivered from a terminal for a single electronic certificate, wherein each settlement application includes settlement infoimation;
a verification module configured to verify the settlement information from each settlement application in the plurality of settlement applications; and a delivering module configured to forward the settlement applications to a first funds management server once the settlement information has been verified for allowing multiple settlements for the single electronic certificate.
14. The device of claim 13, wherein the first funds management server is the same server with the second funds-management server.
15. The device of claim 13, wherein the settlement information includes terminal identity infomiation.
16. The device of any one of claims 13 and 14, wherein the settlement information includes a dynamic settlement code.
17. The device of any one of claims 13 to 16, wherein the settlement information includes a settlement password.
18. The device of any one of claims 13 to 17, funds management server is a server of a funds management institution.
19. The device of any one of claims 13 to 17, wherein the funds management server is a bank server.
20. The device of any one of claims 13 to 17, wherein the funds management server is a financial institution server.
21. The device of any one of claims 13 to 20, wherein the single electronic certificate expires automatically.
22. The device of any one of claims 13 to 21, wherein the electronic certificate is mainly used for commodity/service trading between buyer and seller in the electronic transaction.
23. The device of any one of claims 13 to 22, wherein the remaining amount on the single electronic certificate is a to-be-settled frozen amount of funds in the account associated with the electronic certificate.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA3012997A CA3012997C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment method and device |
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA2994571A CA2994571C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment method and device |
| PCT/CN2015/084619 WO2017012037A1 (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment method and device |
| CA3012997A CA3012997C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment method and device |
Related Parent Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2994571A Division CA2994571C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment method and device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CA3012997A1 CA3012997A1 (en) | 2017-01-26 |
| CA3012997C true CA3012997C (en) | 2022-06-21 |
Family
ID=57348132
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2994571A Active CA2994571C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment method and device |
| CA3012997A Active CA3012997C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment method and device |
Family Applications Before (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2994571A Active CA2994571C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment method and device |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106164957A (en) |
| CA (2) | CA2994571C (en) |
| WO (1) | WO2017012037A1 (en) |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7707119B2 (en) * | 2005-06-19 | 2010-04-27 | Frederick Foster | System and method for identity protected secured purchasing |
| CN101377838A (en) * | 2007-08-30 | 2009-03-04 | 北京方维银通科技有限公司 | Data safety processing method |
| CN103489104A (en) * | 2013-09-18 | 2014-01-01 | 俞强华 | Security payment method and system |
-
2015
- 2015-07-21 CA CA2994571A patent/CA2994571C/en active Active
- 2015-07-21 CN CN201580012881.1A patent/CN106164957A/en active Pending
- 2015-07-21 CA CA3012997A patent/CA3012997C/en active Active
- 2015-07-21 WO PCT/CN2015/084619 patent/WO2017012037A1/en active Application Filing
Also Published As
| Publication number | Publication date |
|---|---|
| CA3012997A1 (en) | 2017-01-26 |
| CA2994571C (en) | 2018-09-11 |
| CN106164957A (en) | 2016-11-23 |
| WO2017012037A1 (en) | 2017-01-26 |
| CA2994571A1 (en) | 2017-01-26 |
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