CA3108389A1

CA3108389A1 - Intelligent electronic commerce system, and method and device for implementing same

Info

Publication number: CA3108389A1
Application number: CA3108389A
Authority: CA
Inventors: Yi Zhang; Fenggang NIU
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-11-26
Filing date: 2015-11-26
Publication date: 2017-06-01
Anticipated expiration: 2035-11-26
Also published as: CA3108374A1; WO2017088152A1; CA3108389C; CA2997815C; CA3108374C; CA2997815A1; CN109074609A

Abstract

Disclosed are an intelligent electronic commerce system, and a method and device for implementing same, relating to the field of Internet technology. The system comprises a manufacturer subsystem, a user subsystem, a bank subsystem, and an information bearer, wherein the information bearer transfers data information to the various subsystems in real time, and the various subsystems process the information according to respective time sequences after receiving the information transferred by the information bearer and append the data to which an instruction has been executed to the information bearer. In the present invention, the interactive dynamic relationship, the treatment, and the state of data in the commodity transaction segment, the payment segment, the logistics segment, the insurance segment, and the monitoring segment in an electronic commerce transaction are automatically handled to reduce manual intervention, thereby implementing automated business processing in business segments such as manufacturers, suppliers, banks, insurance companies, logistics companies, monitoring departments, and consumers, and implementing intelligent business logic, intelligent commodity turnover, intelligent supply chains, intelligent financial payment, and intelligent transaction monitoring.

Description

INTELLIGENT ELECTRONIC COMMERCE SYSTEM, AND METHOD AND DEVICE FOR
IMPLEMENTING SAME
Technical Field [0001] The present invention relates to the field of Internet technology, and in particular, to an intelligent electronic commerce system and a method and device for implementing the same.
Background

[0002] At present, the development of E-commerce is increasingly mature, but also into people's daily lives, E-commerce platform has made great contribution to the development of E-commerce. The existing E-commerce platform generally adopts the platform technology structure, and the commodity trading is completed on the E-commerce platform. The transaction payment methods all adopt the third-party payment mode. The links such as the logistics and distribution are completed by the third-party logistics companies online. The platform itself does not include logistics services, only data logging capabilities and so on. With the development of smart phones, mobile providers (also referred to as micro-E-commerce providers) are also in a flourishing stage.
The technical structure of mobile E-commerce providers is basically the same as that of E-commerce platforms. The business models include C2C and B2C.

[0003] The existing platform E-commerce main drawbacks are as follows: The platform technical architecture is a relatively closed system, which can't be traded after being separated from the platform; the E-commerce system with platform technology has limitations. The source and authenticity of the commodity cannot be tracked, monitored and identified, and cannot be traced to the source; the manufacturer cannot effectively use the large data of the E-commerce platform to carry out the production plan; the third-party guarantee payment model has the existence of depositing bank funds and financial risks. The data of commodity trading link, payment link, logistics link, insurance link, supervision link and other links of existing platform E-commerce can't be shared, can't be matched automatically, and intelligence is low.
Summary

[0004] In view of this, the technical problem to be solved by the invention is to provide an intelligent electronic commerce system and its implementation method and device, so as to solve Date Recue/Date Received 2021-02-08 the technical problems that the existing E-commerce cannot be separated from the platform and is not intelligent enough.

[0005] The technical solution of the present invention to solve the above-mentioned technical problems is as follows:

[0006] According to one aspect of the present invention, there is provided an intelligent electronic commerce system including a manufacturer subsystem, a user subsystem, a bank subsystem, and an information carrier, wherein:

[0007] The information carrier is used to provide users with interactive operations, and execute the corresponding operating instructions; it is set to transmit data information to the vendor subsystem, user subsystem and banking subsystem in real time;

[0008] The manufacturer subsystem, the user subsystem, and the bank subsystem are all set to:
after receiving the information conveyed by the information carrier, process the information according to the respective timing, and execute the instructions of the present subsystem from the processing result, and the data after the execution of the instruction is attached to the information carrier.

[0009] Including commodity electronic certificate, bank credit electronic certificate and / or insurance electronic certificate. Product electronic certificate is generated by the manufacturer subsystem. The commodity electronic certificate includes: commodity information, payment information, trading rules, operation instructions, user interface, and dynamic data. The electronic certificate of the bank is generated by the bank subsystem. The electronic certificate of the bank includes: payment information, payee information, payment amount, payment rules, transaction information, operation instructions, user interaction interface and dynamic data.

[0010] According to another aspect of the present invention, a method for implementing intelligent electronic commerce is provided, which includes:

[0011] The vendor subsystem encapsulates commodity information, payment information, trading rules, operation instructions, and user interaction interface to generate the commodity electronic certificate and publishes the commodity electronic certificate to the entire domain;

[0012] The user subsystem acquires the commodity electronic certificate, performs the purchase / distribution operation on the commodity electronic certificate, attaches the purchase /
distribution information and the payment request information to the commodity electronic certificate, and attaches the payment request to the bank electronic certificate; payment request Date Recue/Date Received 2021-02-08 information includes order information, payer information, payee information, payment amount;

[0013] The banking subsystem receives the payment request information passed in the bank's electronic credit certificate, confirms the payment request information, freezes the payment amount corresponding to the bank electronic user certificate in the payer's account, and the pre-payment success information is attached to the bank credit electronic certificate;

[0014] The manufacturer subsystem obtains the transaction information from the commodity electronic certificate and the bank electronic certificate and confirms the transaction, and adds the transaction confirmation information to the bank's electronic certificate;

[0015] After receiving the transaction confirmation information transmitted by the bank electronic device, the bank subsystem will compare the payee information in the transaction confirmation information with the payee information in the payment request information, the order information of the transaction confirmation information and the payment request information in the order information for comparison, if the match is successful, then the certificate of success information is appended to the bank credit electronic certificate;

[0016] The manufacturer subsystem makes the delivery according to the information of the commodity electronic certificate and the bank credit electronic certificate, and the shipping information is attached to the commodity electronic certificate;

[0017] After the user receives the commodity, the user subsystem attaches the successful information to the commodity electronic certificate and the bank credit electronic certificate;

[0018] After the bank subsystem receives the receiving success information, the bank subsystem unfreezes the amount frozen in the payer's account and transfers the payment amount to the payee's account, and attaches the payment success information to the bank's electronic certificate.

[0019] According to another aspect of the present invention, a method for implementing intelligent electronic commerce is provided, which is applied to a manufacturer subsystem. The method includes:

[0020] The vendor subsystem encapsulates commodity information, payment information, trading rules, operation instructions, and user interaction interface to generate the commodity electronic certificate and publishes the commodity electronic certificate to the entire domain;

[0021] After obtaining the transaction information from the electronic certificate of commodity and the electronic credit certificate of the bank, and confirming the transaction, attaching Date Recue/Date Received 2021-02-08 transaction confirmation information to the electronic credit certificate of the bank to transfer the transaction information to the banking subsystem by the electronic credit certificate of the bank;

[0022] According to the commodity electronic certificate and bank credit electronic certificate information for delivery, and shipping information attached to the commodity electronic certificate.

[0023] According to another aspect of the present invention, a method for implementing intelligent electronic commerce is provided, which is applied to a manufacturer subsystem. The method includes;

[0024] The user subsystem acquires the commodity electronic certificate, performs the purchase / distribution operation on the commodity electronic certificate, attaches the purchase /
distribution information and the payment request information to the commodity electronic certificate, and attaches the payment request to the bank electronic certificate; payment request information includes order information, payer information, payee information, payment amount;

[0025] After the user receives the commodity, the user subsystem attaches the successful information to the commodity electronic certificate and the bank credit electronic certificate.

[0026] According to another aspect of the present invention, a method for implementing intelligent electronic commerce is provided, which is applied to a manufacturer subsystem. The method includes;

[0027] The banking subsystem receives the payment request information passed in the bank's electronic credit certificate, confirms the payment request information, freezes the payment amount corresponding to the bank electronic user certificate in the payer's account, and the pre-payment success information is attached to the bank credit electronic certificate;

[0028] After receiving the transaction confirmation information transmitted by the bank electronic device, compare the payee information in the transaction confirmation information with the payee information in the payment request information, the order information of the transaction confirmation information and the payment request information in the order information for comparison, if the match is successful, then the certificate of success information is appended to the bank credit electronic certificate;

[0029] After receiving the receipt of success information received from the bank electronic credit certificate, the payment amount frozen in the payer account is unfrozen and allocated to the payee account, and the payment success information is appended to the bank electronic credit certificate.

Date Recue/Date Received 2021-02-08

[0030] According to another aspect of the present invention, a method for implementing intelligent electronic commerce is provided, which is applied to a manufacturer subsystem. The device includes:

[0031] A generating module is used to encapsulate commodity information, payment information, trading rules and operation instructions, and generate a commodity electronic certificate by a user interaction interface;

[0032] Release module is set to publish the commodity electronic certificate to the entire domain;

[0033] The transaction confirmation module is used to obtain the transaction information from the electronic certificate of commodity and the electronic credit certificate of the bank, and confirming the transaction, attaching transaction confirmation information to the electronic credit certificate of the bank to transfer the transaction information to the banking subsystem by the electronic credit certificate of the bank;

[0034] Delivery module is set up to deliver commodity according to the information of the commodity electronic certificate and the bank credit electronic certificate, and the shipping information is attached to the commodity electronic certificate.

[0035] According to another aspect of the present invention, it is provided a smart E-commerce implementation device applied to a user sub-system, including:

[0036] The operation module is used to obtain the commodity electronic certificate and perform the purchase / distribution operation on the commodity electronic certificate;

[0037] A pre-payment module is used to attach purchase / distribution information and payment request information to a commodity electronic certificate; attach the payment request to a bank electronic certificate; payment request information includes order information, payer information, payment information, payment amount;

[0038] The receiving module is set up to attach the success information to the commodity electronic certificate and the bank credit electronic certificate after the user receives the commodity.

[0039] According to another aspect of the present invention, it is provided an intelligent electronic commerce implementation device, applied to a bank subsystem, the device including:

[0040] The issuing module is used to receive the payment request information passed in the bank electronic credit certificate, confirm the payment request information, and freeze the payment amount corresponding to the bank credit electronic certificate in the payer account, and attach the Date Recue/Date Received 2021-02-08 prepayment success information to bank credit;

[0041] The receiving module is used to receive, after receiving the transaction confirmation information transmitted by the bank electronic credit certificate, the payee information and the payee information in the payment request information, the order information of the transaction confirmation information in the transaction confirmation information and order information in the payment request information for comparison, and if the matching is successful, appending the information of receiving a certificate of success to a bank electronic credit certificate;

[0042] The settlement module is used to, after receiving the receipt success information transmitted by the bank electronic credit certificate, unfreeze and allocate the frozen payment amount in the payer account to the payee account, and attach the payment success information to the bank credit electronic certificate.

[0043] The present invention provides an intelligent electronic commerce system and its implementation method and device, through the direct conduct of commodity activities on the information carrier, without relying on the platform technology architecture, and the entire record of commodity transaction information, it can prevent the counterfeit source, ensure that consumers purchase the genuine products, and realize the platform based intelligent transaction mode that is directly supplied by the entire domain providers, so as to protect the interests of vendors and consumers.

[0044] Second, through the use of bank credit electronic certificate for payment operations, since the payment is frozen in the buyer's account, the funds is transferred to the seller after the arrival of the commodity. The entire transaction proceeds only in the account of the buyer and the seller, it not on the third party account, it solves the defects of the existing third party payment for the existence of the funds for the existence of the deposit of the bank and put an end to the financial risk.

[0045] In addition, through the integration of commodity trading links, payment links, logistics links, insurance links and regulatory systems, the whole process is completed automatically, without manual intervention, so as to ensure various vulnerabilities in the transaction process, and realize the intelligent E-commerce system that the whole network vendors directly supply platform to trade mode, which improves the safety and efficiency of commodity trading.

[0046] The E-commerce transactions among the commodity transaction, payment, logistics, insurance, regulatory links and other data between the dynamic relationship between the Date Recue/Date Received 2021-02-08 processing and status of automatic processing, reduce manual intervention, and realize the automated business processing of business links such as manufacturers, suppliers, banks, insurance, logistics, regulators and consumers, and realize the business logic intelligence, intelligent commodity circulation, intelligent supply chain, financial payment intelligent, intelligent transaction management.
Brief Description of the Drawings

[0047] Figure 1 is a network topology of an intelligent E-commerce system provided by Example 1 of the present invention.

[0048] Figure 2 is a network topology of an intelligent E-commerce system provided in Example 2 of the present invention.

[0049] Figure 3 is a network topology diagram of an intelligent E-commerce system provided in Example 3 of the present invention.

[0050] Figure 4 (a) is a flowchart of a method for implementing intelligent electronic commerce provided by Example 4 of the present invention.

[0051] Figure 4 (b) is an information interaction diagram of a method for implementing intelligent electronic commerce according to Example 4 of the present invention.

[0052] Figure 5 is a flow chart of a method for implementing intelligent electronic commerce applied to a manufacturer subsystem provided in Example 5 of the present invention.

[0053] Figure 6 is a flowchart of a method for implementing intelligent E-commerce applied to a manufacturer subsystem according to Example 6 of the present invention.

[0054] Figure 7 is a flowchart of a method for implementing intelligent electronic commerce applied to a user subsystem provided in Example 7 of the present invention.

[0055] Figure 8 is a flowchart of a method for implementing intelligent electronic commerce applied to a banking subsystem provided by Example 8 of the present invention.

[0056] Figure 9 (a) is a flowchart of a method for implementing an intelligent E-commerce system according to Example 9 of the present invention.

[0057] Figure 9 (b) is a schematic diagram of a method for implementing an intelligent E-commerce system according to Example 9 of the present invention.

[0058] Figure 10 is a block diagram of a module for implementing an intelligent E-commerce application in a vendor subsystem according to Example 10 of the present invention.

Date Recue/Date Received 2021-02-08

[0059] Figure 11 is a structural block diagram of an implementation device applied to a vendor subsystem intelligent electronic commerce provided by Example 11 of the present invention.

[0060] Figure 12 is a block diagram of an implementation of an intelligent E-commerce application module applied to a user subsystem provided in Example 12 of the present invention.

[0061] Figure 13 is a structural block diagram of an implementation device of an intelligent electronic commerce applied to a banking subsystem provided by Example 13 of the present invention.

[0062] Figure 14 is a schematic diagram of an intelligent E-commerce system provided in Example 14 of the present invention.
Detailed Description

[0063] Implementation pattern of the present invention

[0064] Here is a description of the examples of the present invention. To make the technical problems, technical solutions and advantages more apparent and clear, the present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific examples described herein are merely illustrative of the invention and are not intended to limit the invention.

[0065] Example 1

[0066] As shown in Figure 1, a smart E-commerce system provided in an example of the present invention includes a vendor subsystem 10, a user subsystem 20, a bank subsystem 30, and an information carrier 40.

[0067] The information carrier 40 is used to provide users with interactive operations and execute corresponding operation instructions. The information carrier 40 is further configured to transmit data information to the manufacturer subsystem 10, the user subsystem 20 and the bank subsystem 30 in real time.

[0068] Specifically, the information carrier 40 is used to record the transaction process information throughout, and once the information in the information carrier 40 changes, the latest data information can be delivered to each subsystem. It should be noted that, although all the data information and the operation instruction of the transaction process are included in the information carrier 40, after the different accounts are logged in, the data information and operations displayed on the information carrier 40 are only the information related to the login account. The data Date Recue/Date Received 2021-02-08 information transmitted by the information carrier 40 includes static data and dynamic data.

[0069] As a preferred solution, the information carrier 40 may include one or more electronic certificates, such as one or more of which may include a commodity electronic certificate, a bank electronic certificate, an insurance electronic certificate, or an insurance electronic certificate. The commodity electronic certificate is generated by the manufacturer subsystem 10, and the commodity electronic certificate includes: commodity information, payment information, trading rules, operation instructions, user interaction interface, and dynamic data.
The bank electronic credit certificate is generated by the bank subsystem 30 and includes: payee information, collection information, payment amount, payment rules, transaction information, operation instructions, user interaction interface, and dynamic data. The insurance electronic certificate can be generated by the manufacturer's subsystem or by the insurance subsystem. The insurance electronic certificate can also be generated by the insurance subsystem, including the insuring party, the beneficiary, the insured amount, the insured method, the claim rules, the operation instruction, the user interface, and the dynamic data. The vendor subsystem 10, the user subsystem 20, and the bank subsystem 30 are configured to process the information according to the respective timing after receiving the information transmitted by the information carrier 40, and execute the instructions of the present subsystem from the processing result. At the same time, the dynamic data after the execution of the instruction is attached to the information carrier 40.

[0070] Specifically, the vendor subsystem 10 is deployed in an enterprise or vendor. The user subsystem 20 is used by users of various parties such as consumers /
distributors and deployed in a mobile device, a PC terminal, or a smart device. Bank subsystem deployed in the bank side. The manufacturer subsystem 10 generates a commodity electronic certificate according to the commodity information, payment information, trading rules, operation instructions, and user interaction interface. The user interface is the human-computer interface displayed on the commodity electronic certificate. Vendor Subsystem 10 publishes the commodity electronic certificate to the entire domain for consumers and distributors to browse and purchase. The user subsystem 20 acquires the commodity electronic certificate, performs a purchase / distribution operation on the electronic certificate, pre-pays with a bank electronic certificate, generates purchase / distribution information and payment request information, and delivers the purchase /
distribution information and the payment request information attached to the commodity electronic certificate; attaching the payment request to the electronic certificate of the bank; wherein the Date Recue/Date Received 2021-02-08 payment request includes the order information, the payment information, the payee information and the payment amount. The bank subsystem receives the payment request information transmitted by the bank's electronic certificate, confirms the payment request information, and freezes the payment amount corresponding to the bank electronic cigarette certificate in the payer's account, and attaches the prepayment success information to the bank's electronic certificate; after receiving the transaction confirmation information transmitted by the electronic credit certificate of the bank, comparing the payee information in the transaction confirmation information with the payee information in the payment request information, the order information of the transaction confirmation information and the order information in the payment request information. If the match is successful, the certificate success information is appended to the bank electronic credit certificate. After receiving the receipt success information, the payment amount frozen in the payer account is unfrozen and transferred to the payee account, and attach the payment success information to the bank credit electronic certificate. In other words, each system can obtain the information of the information carrier 40, operate on the information carrier 40, and then attach the processed information to the information carrier 40 for delivery to the other sub-systems.

[0071]
In this example, by directly trading and transmitting information on the information carrier, it cannot only rely on platform, but also circulate in the whole network domain, record commodity transactions in the whole process, prevent counterfeit and traceability, and ensure that consumers purchase the genuine products, so as to protect the interests of vendors and consumers.
At the same time, since the information carrier (such as the commodity electronic certificate and the electronic certificate) encapsulates the transaction information and operation instructions, and it provides user interaction interface, which can exist independently in PC, mobile devices, short message, email and other media or devices. As long as network communication is available, it can be traded at anytime and anywhere, no longer rely on the E-commerce platform, so as to realize the platform trading mode that the entire domain manufacturers directly supply. In addition, due to the payment of funds in the payer's account is frozen, after the arrival of funds allocated to the payee, the entire transaction funds only exist in the account of buyers and sellers, rather than in third-party accounts, thus solving the defect that the existing third party payment of E-commerce platform has bank deposits of funds, and eliminating financial risks.

[0072] Example 2

[0073] As shown in Figure 2, a smart E-commerce system provided in an example of the present Date Recue/Date Received 2021-02-08 invention includes a vendor subsystem 10, a user subsystem 20, a bank subsystem 30, an information carrier 40, and a logistics subsystem 50. The information carrier 40 includes a commodity electronic certificate and a bank electronic certificate.

[0074] The manufacturer subsystem 10 is used to generate a commodity electronic certificate according to the commodity information, the payment information, the trading rules, the operation instruction and the user interaction interface, and publish the commodity electronic certificate to the entire domain for the consumer and the distributor to browse and buy. It is also configured to obtain the transaction information from the commodity electronic certificate and the bank electronic credit certificate, and confirm the transaction, attach the transaction confirmation information to the electronic credit certificate to transfer the transaction information to the banking subsystem 30 by the electronic credit certificate of the bank.

[0075] Wherein, the commodity electronic certificate includes: commodity information, payment information, trading rules, operation instructions, user interface, and dynamic data.

[0076] The user subsystem 20 is further configured to: obtain the commodity electronic certificate, performs a purchase / distribution operation on the electronic certificate, pre-pays with a bank electronic certificate, generates purchase / distribution information and payment request information, and delivers the purchase / distribution information and the payment request information attached to the commodity electronic certificate; attaching the payment request to the electronic certificate of the bank; wherein the payment request includes the order information, the payment information, the payee information and the payment amount; after the user receives the commodity, the successful information is attached to the commodity electronic certificate and the bank credit electronic certificate.

[0077] The bank subsystem 30 receives the payment request information transmitted by the bank's electronic certificate, confirms the payment request information, and freezes the payment amount corresponding to the bank electronic cigarette certificate in the payer's account, and attaches the prepayment success information to the bank's electronic certificate; after receiving the transaction confirmation information transmitted by the electronic credit certificate of the bank, comparing the payee information in the transaction confirmation information with the payee information in the payment request information, the order information of the transaction confirmation information and the order information in the payment request information. If the match is successful, the certificate success information is appended to the bank electronic credit Date Recue/Date Received 2021-02-08 certificate. After receiving the receipt success information, the payment amount frozen in the payer account is unfrozen and transferred to the payee account, and attach the payment success information to the bank credit electronic certificate.

[0078] Wherein, the bank credit electronic certificate includes: payer information, payee information, payment amount, payment rules U, transaction information, operation instructions, user interface and dynamic data.

[0079] The information carrier 40 is used to provide users with interactive operations and execute corresponding operation instructions. The information carrier 40 is further configured to transmit data information to the manufacturer subsystem 10, the user subsystem 20 and the bank subsystem 30 in real time.

[0080] The logistics subsystem 50 is used to receive the logistics information and pickup code delivered by the information carrier. It is further arranged to generate a pick up code for receipt after the logistics company picks up by pick code and attach the pick-up code to the information carrier 40. Wherein, the logistics information includes at least commodity information, delivery address, and the consignee and shipping address.

[0081] Specifically, the manufacturer subsystem 10 generates the logistics information according to the commodity attributes, and attaches the logistics information to the information carrier 40 (such as the commodity electronic certificate). Logistics information includes:
commodity information, pick-up address, and consignee and shipping address.
The manufacturer's subsystem generates the carrier's pickup code when the commodity is shipped and attaches the pickup code to the commodity electronic certificate. The logistics subsystem 50 receives the logistics information and the pickup code delivered by the information carrier delivery 40 and generates the pickup code for the delivery of the commodity after the delivery company picks up the pickup code and attaches the pickup success information and the pickup code to the information carrier 40. The user subsystem 20 checks the pick-up code received by the user with the pick-up code generated by the logistics company stored in the commodity electronic certificate, and adds the receipt success information to the information carrier 40 after the verification succeeds. The logistics company obtains the commodity according to the delivery code to the specified address, and the user subsystem 20 receives the commodity by taking the commodity code, which can avoid the situation of posing the commodity and delivering the commodity as the fake commodity, and can improve the reliability of the logistics and delivery.

Date Recue/Date Received 2021-02-08

[0082] In this example, on the basis of the first example, by integrating the logistics link, the entire process is completed automatically without human intervention, thereby ensuring various loopholes in the logistics link and improving the logistics effectiveness.

[0083] Example 3

[0084] As shown in Figure 3, an intelligent E-commerce system provided in an example of the present invention includes a vendor subsystem 10, a user subsystem 20, a bank subsystem 30, an information carrier 40, and a logistics sub-module System 50, and further includes one or any combination of the insurance subsystem 60, the supplier subsystem 70, and the supervision subsystem 80.

[0085] The insurance subsystem 60 is used to receive an insurance electronic certificate transmitted by the information carrier 40.

[0086] Wherein, the insurance electronic certificate includes the insured, beneficiaries, insured amount, insured, claims rules, operating instructions, user interface and dynamic data.

[0087] As a preferred solution, the insurance subsystem 60 is further configured to: after receiving the claim information in the insurance electronic certificate, match the information in the information carrier 40 and calculate and process the claim, and attach the result of the claim to the insurance electronic certificate; wherein the claim information is appended by the user subsystem 20 to the insurance electronic certificate.

[0088] Through the insurance sub-system 60, if the user selects the corresponding transaction insurance policy at the time of purchase, the insurance will automatically take effect when the manufacturer confirms the transaction. If the transaction is in danger, according to the insurance clause, the information of the buyer's insurance will be automatically delivered to the insurance company. The insurance company chooses to handle the claim automatically or manually according to the insurance situation, so that it can achieve quick claims, reduce the claim link and operation.

[0089] Further optionally, the system can also automatically select the insurance of transaction insurance, without further operation of the user to select the insurance.

[0090] The manufacturer subsystem 10 is further configured to determine whether the inventory is sufficient, and if the inventory is insufficient, generate raw material purchase information and attach the raw material purchase information to the commodity electronic certificate.

Date Recue/Date Received 2021-02-08

[0091] The supplier subsystem 70 is used to receive the raw material purchase information delivered by the information carrier, attach the raw material supply information to the information carrier 40, and provide the supplier according to the raw material purchase information.

[0092] The supplier subsystem 70 provides closed-loop application of raw material procurement by the manufacturer. The subsystems of the manufacturer 10 perform the procurement of raw materials safely and promptly according to the on-line orders at any time, and replenish the materials on time to avoid sluggishness of the materials and preparation of the materials less likely to affect the progress of commodity, it can increase the rate of return of funds.

[0093] Further optionally, the manufacturer subsystem 10 is further configured to: after receiving the payment success information delivered by the bank credit electronic certificate, attach the transaction completion information to the commodity electronic certificate and generate the after-sale electronic certificate according to the commodity electronic certificate; After receiving the after-sales service information transmitted by the after-sale electronic certificate, the after-sales service information that needs to be provided is delivered to the manufacturer;

[0094] The user subsystem 20 is also used to receive the after-sales service information submitted by the user according to the user's needs, and attach the after-sales service information to the after-sales electronic certificate.

[0095] The supervisory system 80 is used to receive instruction information executed by a manufacturer subsystem, a user subsystem, a bank subsystem, a logistics subsystem, an insurance subsystem, and / or a provider subsystem and is also used to acquire the commodity electronic certificate, a bank credit electronic certificate, and / or insurance electronic certificate in the relevant data information.

[0096] Specifically, supervisory subsystem 80 provides a supervisory big data interface for government agencies or third-party regulators. Regulated big data system collect data from commodity information, transaction data, payment, credit, buyer transaction and behaviour, and provides it to relevant statistical units or regulatory authorities through intelligent analysis and calculation. At the same time, it may also authorize the prompt and automatic handling of the problems in the transaction to protect the interests of consumers and manufacturers and ensure the regulatory authority of the public authorities in online transactions.

[0097] In the example of the present invention, automated business processing is realized in the business links such as manufacturers, banks, insurance, logistics, consumers, after-sales service Date Recue/Date Received 2021-02-08 and regulatory depaitments, and the intelligent business logic and intelligent commodity circulation are realized. The supply chain Intelligent, intelligent financial payment, transaction supervision and intelligence, enabling more real-world business transactions closer to the realm of intelligent trading transactions.

[0098] Example 4

[0099] As shown in Figure 4 (a) and Figure 4 (b), a method for implementing intelligent electronic commerce provided in an example of the present invention includes the following steps:

[0100] S402, the manufacturer subsystem encapsulates commodity information, payment information, transaction rules, operation instructions and user interaction interface to generate a commodity electronic certificate, and publishes the commodity electronic certificate to the entire domain.

[0101] S404, the user subsystem acquires the commodity electronic certificate, performs the purchase / distribution operation on the commodity electronic certificate, and adds the purchase /
distribution information and the payment request information to the commodity electronic certificate. Attach a payment request to the bank's electronic certificate.

[0102] Wherein the payment request information includes order information, payer information, payee information, payment amount. Specifically, the manufacturer subsystem requests for a blank bank credit electronic certificate before generating the commodity electronic certificate, and the bank subsystem delivers a blank bank credit electronic certificate to the manufacturer subsystem.
When the manufacturer subsystem generates the commodity electronic certificate. Generates a bank electronic credit certificate (the payee information on the card is blank) containing the payee information, and the payment request of the user subsystem includes the order information, the payee information, the payee information and the payment amount, and then the user subsystem.
The payment request information is attached to the bank electronic credit certificate (the payment information and payee information, payment amount, etc.), and the payment request information is transmitted to the banking subsystem through the electronic certificate of the bank.

[0103] S406: the banking subsystem receives the payment request information passed in the bank electronic money certificate, confirms the payment request information, and waits for the payment amount corresponding to the bank electronic credit certificate in the payer account, and attaches the prepayment success information to the bank credit electronic certificate.

[0104] Wherein, the bank credit electronic certificate includes: payer information, payee Date Recue/Date Received 2021-02-08 information, payment amount, payment rules U, transaction information, operation instructions, user interface and dynamic data. S408, the manufacturer subsystem obtains the transaction information from the commodity electronic certificate and the bank electronic credit certificate, and confirms the transaction, adds the transaction confirmation information to the bank electronic credit certificate.

[0105] S410. The bank system received the bank credit electronic certificate transfer transaction confirmation information, transaction confirmation of the payee information and payment information in the request of the payee information, the transaction information to confirm the order information and payment information comparing the request information in order information.

[0106] S412, judging whether the matching is successful, if yes, executing step S414; otherwise, executing step S422.

[0107] S414, the banking subsystem attaches the receipt success information to the bank electronic certificate.

[0108] S416, the manufacturer subsystem delivers the commodity according to the information of the commodity electronic certificate and the bank credit electronic certificate, and attaches the shipping information to the commodity electronic certificate.

[0109] As a preferred solution, in order to avoid the material caused by excessive material sluggish, too little preparation may affect the production schedule, the closed-loop application can also provide manufacturers of raw materials procurement, vendor subsystem at safe and efficient for the procurement of raw materials according to the orders online, instant supplementary material, it can raise the capital return. Before step S416, the method may further include:

[0110] Step S4151, the manufacturer subsystem determines whether the inventory is sufficient, and if there is not enough inventory, generates raw material purchase information and attaches it to the commodity electronic certificate.

[0111] Step S4152, after the supplier subsystem receives the raw material purchase information, it supplies the manufacturer.

[0112] S418, after the user receives the commodity, the user subsystem attaches the successful information to the commodity electronic certificate and the bank credit electronic certificate.

[0113] S420: After receiving the receiving success information, the banking subsystem unfreezes the frozen payment amount in the payer's account and transfers the payment amount to Date Recue/Date Received 2021-02-08 the payee account, and attaches the payment success information to the bank electronic certificate.

[0114] S422, end the process.

[0115] As another preferred example, in order to avoid the occurrence of posing as a fake commodity receipt and improve the reliability of the logistics and delivery, logistics companies can use the delivery code to the specified address to obtain the commodity, the user \ receives the commodity according to the pick-up code. After the step S416, the step of integrating the logistics links further includes:

[0116] Step S41701, the manufacturer subsystem generates the delivery code of the carrier, and adds the delivery code to the commodity electronic certificate. Generate logistics information according to the commodity attributes; attach the logistics information to the commodity electronic certificate.

[0117] Wherein, the logistics information at least includes commodity information, delivery address, and the receiver and shipping address.

[0118] Step S41702, the manufacturer subsystem delivers the logistics information and the delivery code to the logistics subsystem from the commodity electronic certificate.

[0119] Step S41704, the logistics subsystem receives the logistics information and delivery code delivered by the commodity electronic certificate. After the logistics company picks up the delivery code by using the delivery code, the logistics subsystem generates the delivery code for the user's receipt, and delivers the delivery success information and the pickup code attached to the commodity electronic certificate.

[0120] Step S41706, the user subsystem checks the receipt code input by the user with the receipt code generated by the logistics subsystem stored in the commodity electronic certificate, and verifies the receipt successfully.

[0121] In this way, the logistics company obtains the commodity according to the delivery code to the specified address, and the user subsystem receives the commodity by taking the commodity code, which can avoid the situation of posing the commodity and delivering the commodity as the fake commodity, and can improve the reliability of the logistics and delivery.

[0122] As another preferred example, in order to achieve rapid claims settlement, reduce claims and operations. The above method further includes the following step S416:

[0123] Step S41702, the manufacturer subsystem generates an insurance electronic certificate based on the commodity electronic certificate.

Date Recue/Date Received 2021-02-08

[0124] Wherein, the insurance electronic certificate includes the insured, beneficiaries, insured amount, insured, claims rules, operating instructions, user interface and dynamic data.

[0125] Step S41704, after receiving the claim information in the insurance electronic certificate, the insurance subsystem matches the insurance information in the commodity electronic certificate and calculates and settles the claim, and adds the result of the claim to the insurance electronic certificate.

[0126] The claim information is appended by the user subsystem to the insurance electronic certificate. So, if selects the corresponding transaction insurance policy at the time of purchase, the insurance will automatically take effect when the manufacturer confirms the transaction. If the transaction is in danger, according to the insurance clause, the information of the buyer's insurance will be automatically delivered to the insurance company. The insurance company chooses to handle the claim automatically or manually according to the insurance situation, so that it can achieve quick claims, reduce the claim link and operation.

[0127] Further, the user subsystem transmits the claim information through the insurance electronic certificate, and waits for the result of the claim. After the insurance subsystem attaches the settlement result to the insurance electronic certificate, the user subsystem notifies the user of the settlement result through the insurance electronic certificate.

[0128] In other preferred examples, in order to improve the efficiency of after-sales service, in the above method, after step S420, the method further includes:

[0129] Step S421, after receiving the payment success information transmitted by the bank electronic credit certificate, the manufacturer subsystem appends the transaction completion information to the commodity electronic certificate and generates the after-sale electronic certificate according to the commodity electronic certificate.

[0130] Accordingly, the above method further includes:

[0131] Step S423, the user subsystem receives the after-sale service request information submitted by the user according to the user's needs, and adds the after-sales service request information to the after-sales electronic certificate.

[0132] Step S424, after receiving the after-sales service request message transmitted by the after-sales electronic certificate, the manufacturer subsystem provides the after-sales service to the user, and attaches the after-sales service information to the after-sales electronic certificate.

[0133] In other preferred examples, government agencies or third-party regulatory agencies Date Recue/Date Received 2021-02-08 may also be integrated into the system in order to achieve regulatory oversight of public authorities in network transactions. The above method may further include the steps of:

[0134] The supervisory system receives instruction information executed by a manufacturer subsystem, a user subsystem, a bank subsystem, a logistics subsystem, an insurance subsystem, and / or a provider subsystem and acquires the commodity electronic certificate, a bank credit electronic certificate, and / or insurance electronic certificate in the relevant data information.

[0135] The above receiving mode may be real-time dynamic or may be received on a regular basis, thus providing a regulatory big data interface for a government depaiiment or a third-party regulatory agency. Regulated big data system collect data from commodity information, transaction data, payment, credit, buyer transaction and behaviour, and provides it to relevant statistical units or regulatory authorities through intelligent analysis and calculation. At the same time, it may also authorize the prompt and automatic handling of the problems in the transaction to protect the interests of consumers and manufacturers and ensure the regulatory authority of the public authorities in online transactions.

[0136] On the basis of the first example described above, the examples of the present invention intelligentize the mutual dynamic relationships, data processing and state transition of the commodity transaction, the payment, the logistics, the insurance, the after-sales and the supervision, and so on, so that to achieve more close to the real business transactions of the entire domain of intelligent transactions.

[0137] It should be noted that the technical features of the systems in the first to third examples of the system are also applicable in the method examples, and will not be repeated here. And all of the above data transmission are encrypted by means of transmission, such as the use of digital envelopes for secure communication of data transmission.

[0138] Example 5

[0139] As shown in Figure 5, a method for implementing intelligent electronic commerce provided in an example of the present invention is applied to a manufacturer subsystem, and includes the following steps:

[0140] S502, the manufacturer subsystem encapsulates commodity information, payment information, transaction rules, operation instructions and user interaction interface to generate a commodity electronic certificate, and publishes the commodity electronic certificate to the entire domain.

Date Recue/Date Received 2021-02-08

[0141] Specifically, the commodity electronic certificate includes:
commodity information, payment information, trading rules, operation instructions, user interface, and dynamic data.

[0142] S504, after obtaining the transaction information from the commodity electronic certificate and the bank electronic credit certificate and confirming the transaction, attaching the transaction confirmation information to the bank's electronic certificate to transfer the transaction information to the banking subsystem by the electronic credit certificate of the bank.

[0143] Specifically, the bank credit electronic certificate includes: payer information, payee information, payment amount, payment rules U, transaction information, operation instructions, user interface and dynamic data.

[0144] S506, delivers the commodity according to the information of the commodity electronic certificate and the bank credit electronic certificate, and attaches the shipping information to the commodity electronic certificate.

[0145] In this example, electronic commodity certificate is generated by a manufacturer subsystem, and the electronic commerce data is processed by the direct commodity electronic certificate without the need of relying on the platform technical structure and full-time recording of commodity transaction information to prevent counterfeit traceability and ensure that the consumer buy genuine, so that to achieve the entire network of manufacturers to provide direct intellectual trading platform to protect the interests of manufacturers and consumers.

[0146] Example 6

[0147] As shown in Figure 6, a method for implementing intelligent electronic commerce provided in an example of the present invention is applied to a manufacturer subsystem, and includes the following steps:

[0148] S602, the manufacturer sub-system encapsulates commodity information, payment information, trading rules, logistics information, insurance information, operation instructions and user interaction interface to generate the commodity electronic certificate, and publishes the commodity electronic certificate to the entire domain.

[0149] S604, obtains the transaction information from the commodity electronic certificate and the bank electronic credit certificate, and confirms the transaction, adds the transaction confirmation information to the bank electronic credit certificate.

[0150] S606, judging whether the inventory is sufficient, proceeding to step S608 if there is not enough stock, and performing step S610 if the stocking is sufficient.

Date Recue/Date Received 2021-02-08

[0151] S608: generate raw material purchase information and attach it to the commodity electronic certificate.

[0152] S610: generate a delivery code of the carrier, generate logistics information according to the commodity attributes, and attach a delivery code, shipping information and logistics information to the commodity electronic certificate.

[0153] Wherein, the logistics information at least includes commodity information, carrier's pick up address, and consignee and receiving address.

[0154] S612, the manufacturer subsystem generates an insurance electronic certificate based on the commodity electronic certificate.

[0155] Wherein, the insurance electronic certificate includes the insured, beneficiaries, insured amount, insured, claims rules, operating instructions, user interface and dynamic data.

[0156] S614: after receiving the payment success information transmitted by the bank electronic credit certificate, the manufacturer subsystem appends the transaction completion information to the commodity electronic certificate and generates the after-sale electronic certificate according to the commodity electronic certificate.

[0157] In the example of the present invention, on the basis of the fifth example, the whole process is completed automatically by integrating the commodity transaction, the payment, the logistics, the insurance, the after-sale and the supervisory system, without manual intervention, so as to ensure various vulnerabilities in the transaction process, and realize the intelligent E-commerce system that the whole network vendors directly supply platform to trade mode, which improves the safety and efficiency of commodity trading.

[0158] Example 7

[0159] As shown in Figure 7, a method for implementing intelligent electronic commerce provided by an example of the present invention is applied to a user subsystem. The method includes:

[0160] S702, the user subsystem acquires the commodity electronic certificate, performs the purchase / distribution operation on the commodity electronic certificate, and attaches the purchase / distribution information and the payment request to the commodity electronic certificate; and attaches the payment request information to the electronic credit certificate of the bank.

[0161] S704, after the user receives the commodity, the user subsystem attaches the successful information to the commodity electronic certificate and the bank credit electronic certificate.
Date Recue/Date Received 2021-02-08

[0162] Specifically, the user subsystem checks the pick-up code input by the user with the pick-up code generated by the logistics subsystem stored in the commodity electronic certificate, and after the verification is successful, adds the receiving success information to the commodity electronic certificate and the bank credit electronic certificate.

[0163] S706: the user subsystem receives the after-sales service information submitted by the user according to the user's needs, and attach the after-sales service information to the after-sales electronic certificate

[0164] In this example of the present invention, E-commerce data processing is performed directly on the electronic stamp certificate without the need of relying on the platform technology structure, and records the transaction information of the commodity throughout the process so as to prevent counterfeit traceability and ensure that the consumer buy genuine, so that to achieve the entire network of manufacturers to provide direct intellectual trading platform to protect the interests of manufacturers and consumers.

[0165] Example 8

[0166] As shown in Figure 8, a method for implementing intelligent electronic commerce provided by an example of the present invention is applied to a bank subsystem. The method includes:

[0167] S802: the banking subsystem receives the payment request information passed in the user electronic money certificate, confirms the payment request information, and waits for the payment amount corresponding to the bank electronic credit certificate in the payer account, and attaches the prepayment success information to the bank credit electronic certificate.

[0168] Wherein, the bank credit electronic certificate includes: payer information, payee information, payment amount, payment rules U, transaction information, operation instructions, user interface and dynamic data.

[0169] S804: The receiving module receives, after receiving the transaction confirmation information transmitted by the bank electronic credit certificate, the payee information and the payee information in the payment request information, the order information of the transaction confirmation information in the transaction confirmation information and order information in the payment request information for comparison, and if the matching is successful, appending the information of receiving a certificate of success to a bank electronic credit certificate.

[0170] S806: The settlement module after receiving the receipt success information transmitted Date Recue/Date Received 2021-02-08 by the bank electronic credit certificate, unfreeze and allocate the frozen payment amount in the payer account to the payee account, and attach the payment success information to the bank credit electronic certificate.

[0171] In the example of the present invention, a bank electronic certificate is generated by a bank subsystem, and the payment operation is performed by using a bank electronic credit certificate, thereby solving the defect that there is a deposit-taking bank fund in the third-party payment of the existing E-commerce platform and eliminating the financial risk.

[0172] Example 9

[0173] Figure 9 (a) and Figure 9 (b) are respectively a flow chart and a schematic diagram of a method for implementing an intelligent E-commerce system according to an example of the present invention.

[0174] As shown in Figure 9 (a), the method for implementing a smart E-commerce system provided by the example of the present invention may include the following steps:

[0175] S901: the manufacturer subsystem generates the commodity electronic certificate from the commodity information, the logistics information, the insurance information, the payment information, the trading rule, the operation instruction and the user interface (UI), and publishes the commodity electronic certificate to the entire domain.

[0176] S902, after the user subsystem browses and retrieves the commodity electronic certificate, it performs the purchase and distribution operations on the commodity electronic certificate and transmits the purchase and distribution information to the manufacturer subsystem;
when the manufacturer subsystem detects that the supply is insufficient, purchase the raw materials from the supplier subsystem according to the purchase and distribution information, and make the production according to the purchase and distribution information.

[0177] S903, the bank subsystem uses a bank credit electronic certificate to freeze the prepaid amount of the commodity in the buyer's account, complete the prepayment, and transmit the prepayment information to the manufacturer subsystem. The manufacturer subsystem executes the shipping instructions based on the successful advance payment message returned by the bank credit electronic certificate.

[0178] In specific implementation, the manufacturer subsystem obtains the transaction information from the commodity electronic certificate and the bank electronic credit certificate and confirming the transaction, attaching the transaction confirmation information to the bank's Date Recue/Date Received 2021-02-08 electronic certificate to transfer the transaction information to the banking subsystem by the electronic credit certificate of the bank. After receipt of the transaction confirmation message, the banking subsystem will freeze the payment amount corresponding to the bank's electronic certificate in the payer's account and append the information of successful freezing to the bank's electronic certificate. The manufacturer's subsystem is shipped according to the information of the commodity electronic certificate and the bank credit electronic certificate.

[0179] S904: After the manufacturer subsystem executes the delivery, the logistics subsystem receives the pickup code generated by the manufacturer subsystem, picks up the pickup code at the designated storage point and generates the pickup code for picking up the user subsystem. The commodity shipped to users, allowing users to confirm receipt of commodity receipt.

[0180] S905: After confirming the commodity receipt, verifying the commodity information, the delivery information, the confirmation receipt information, the advance payment information and the commodity electronic certificate transaction rules of the transaction after successfully verifying the receipt, and the payment order is transmitted to the banking subsystem through the bank's electronic certificate interface, and the bank subsystem unfreezes the prepaid amount frozen in the payment account and transfers it to the recipient account.

[0181] As shown in Figure 9 (b), during the manufacturing process of the manufacturer, when the manufacturer subsystem detects that the raw materials are not enough, the raw materials are automatically purchased from the supplier subsystem. The supplier subsystem performs the payment through the electronic certificate of the bank and the manufacturer subsystem settlement, the supplier subsystem through the carrier of electronic certificate dock with the logistics subsystem, the raw materials delivered to the vendor, the transaction process of supplier subsystem and vendor subsystem can be carried out by insurance electronic certificate.

[0182] After receiving the raw materials from the supplier subsystem, the manufacturer subsystem performs commodity, and after the commodity is completed, the manufactured commodity is put into stock. The manufacturer subsystem generates the electronic certificate. The specific manufacturer subsystem generates the commodity electronic certificate from the commodity information, the logistics information, the insurance information, the payment information, the trading rules, the operation instruction and the user interface (UI).

[0183] The manufacturer subsystem publishes the commodity electronic certificate to the entire domain and displays it. The electronic certificate can be displayed on the PC
terminal, the mobile Date Recue/Date Received 2021-02-08 device, etc., so that the consumer can browse the electronic certificate of the commodity and operate directly on the electronic certificate of the commodity. Including purchase operation, distribution operation, etc. The purchase / distribution operation is paid through a bank electronic credit certificate. The transaction process is implemented through insurance.
The bank subsystem uses the electronic certificate of the bank to freeze the prepaid amount of the commodity in the buyer's account, complete the pre-payment, and deliver the advance payment information to the manufacturer subsystem.

[0184] The manufacturer subsystem processes the purchase / distribution operation of the consumer. After receiving the prepayment information, the manufacturer subsystem confirms the advance payment and confirms the order transaction, executes the delivery, communicates with the logistics subsystem through the logistics information, and the specific logistics subsystem can deliver the commodity to consumers through the electronic certificate of logistics. The consumer confirms receipt by taking the commodity. After verifying the receipt, the manufacturer subsystem verifies the transaction data and after successful verification, transmits the payment instruction to the bank subsystem through the electronic certificate interface provided by the bank, and the banking subsystem releases the prepaid amount frozen in the payment account and transfers it to the recipient's account. This transaction is completed. If further after-sales service, the manufacturer subsystem implementation of after-sales service, such as warranty, installation and so on. The supervision subsystem supervises the data information of the whole transaction process.

[0185] Example 10

[0186] As shown in Figure 10, a device for implementing intelligent electronic commerce provided by an example of the present invention is applied to a manufacturer subsystem. The device includes a generating module 101, a publishing module 102, a transaction confirmation module 103, and a shipping module 104.

[0187] The generating module 101 is used to encapsulate commodity information, payment information, transaction rules and operation instructions, and generate a commodity electronic certificate by the user interaction interface.

[0188] Preferably, the generating module 101 may also generate the commodity electronic certificate in combination with the logistics information and the insurance information. The user interface rules is the human-computer interface displayed on the commodity electronic certificate.
The generated commodity electronic certificate can prevent false traceability and ensure that Date Recue/Date Received 2021-02-08 consumers buy genuine products to protect the interests of manufacturers and consumers.

[0189] The publishing module 102 is used to publish the commodity electronic certificate to the entire domain.

[0190] Specifically, the posting module 102 publishes the commodity electronic certificate to the entire domain through WeChat, email, display platform and / or offline mode for browsing and purchase by consumers and distributors. Commodities electronic certificate can circulate across the entire network, it can exist in the PC side, mobile devices, text messages, email and other media or equipment, as long as there is network communication, transactions can be conducted at any time and anywhere without relying on the E-commerce platform, so as to realize the platform trading mode of direct supply of the whole network.

[0191] The transaction confirmation module 103 is used to obtain the transaction information from the commodity electronic certificate and the bank electronic credit certificate and confirming the transaction, attaching the transaction confirmation information to the bank's electronic certificate to transfer the transaction information to the banking subsystem by the electronic credit certificate of the bank.

[0192] The shipping module 104 delivers the commodity according to the information of the commodity electronic certificate and the bank credit electronic certificate, and attaches the shipping information to the commodity electronic certificate.

[0193] In this example, electronic commodity certificate is generated by a manufacturer subsystem, and the electronic commerce data is processed by the direct commodity electronic certificate without the need of relying on the platform technical structure and full-time recording of commodity transaction information to prevent counterfeit traceability and ensure that the consumer buy genuine, so that to achieve the entire network of manufacturers to provide direct intellectual trading platform to protect the interests of manufacturers and consumers.

[0194] Example 11

[0195] As shown in Figure 11, a device for implementing intelligent electronic commerce provided by an example of the present invention is applied to a manufacturer subsystem. The device includes, on the basis of Example 10, a generating module 101, a publishing module 102, a transaction. The confirmation module 103 and the delivery module 104, and further includes one or more combinations of the logistics module 105, the insurance service module 106, the supplier module 107 and the after-sales service module 108.
Date Recue/Date Received 2021-02-08

[0196] The logistics module 105 is used to generate the logistics information according to the commodity attributes, and add the logistics information to the commodity electronic certificate, wherein the logistics information at least includes the carrier's pickup code.

[0197] Specifically, the logistics information may further include:
commodity information, carrier's pick-up address, and receiver and receiving address. The logistics company gets the information of commodity transportation, and the system also generates the pick-up code on the commodity electronic certificate to deliver to the user subsystem according to the pick-up code.
After delivery, the logistics company will deliver the commodity to the buyer, and the buyer confirms the commodity receipt according to the pick-up code of the commodity electronic certificate. By integrating the logistics link, the entire process is completed automatically without human intervention, thereby ensuring various loopholes in the logistics link and improving the logistics effectiveness.

[0198] The insurance service module 106 is used to generate an insurance electronic certificate according to the commodity electronic certificate and deliver the insurance electronic certificate to the insurance subsystem. Wherein, the insurance electronic certificate includes the insured, beneficiaries, insured amount, insured, claims rules, operating instructions, user interface and dynamic data.

[0199] Specifically, if the user purchases the corresponding transaction insurance policy automatically or manually when the manufacturer confirms the transaction, the insurance will automatically take effect when the manufacturer confirms the transaction. If the transaction is in danger, according to the insurance clause, the information of the buyer's insurance will be automatically delivered to the insurance company. The insurance company chooses to handle the claim automatically or manually according to the insurance situation, so that it can achieve quick claims, reduce the claim link and operation.

[0200] The supplier module 107 is used to determine whether the inventory is sufficient, and if the inventory is insufficient, generate the raw material purchase information and deliver it to the supplier subsystem to purchase the raw material and customize the commodity.

[0201] Specifically, the supplier module 107 communicates with the supplier subsystem to provide the vendor with a closed-loop application for purchasing raw materials. Make the manufacturer to carry on the purchase of raw material safely and quickly according to the condition of the online order, and replenish the material immediately. Thus, it can avoid too much material, Date Recue/Date Received 2021-02-08 too little material, too little material may affect the production schedule, and improve the return rate of funds.

[0202] The after-sales service module 108 is used to: after receiving the payment success information delivered by the bank electronic certificate, append the transaction completion information to the commodity electronic certificate and generate the after-sale electronic certificate according to the commodity electronic certificate.

[0203] In the example of the present invention, on the basis of the tenth example, the whole process is completed automatically by integrating the commodity transaction, the payment, the logistics, the insurance, the after-sale and the supervisory system, without manual intervention, so as to ensure various vulnerabilities in the transaction process, and realize the intelligent E-commerce system that the whole network vendors directly supply platform to trade mode, which improves the safety and efficiency of commodity trading.

[0204] Example 12

[0205] As shown in Figure 12, a device for implementing intelligent electronic commerce provided by an example of the present invention is applied to a user subsystem. The device includes an operation module 201, a pre-payment module 202, and a receiving module 203.

[0206] The operation module 201 is used to obtain a commodity electronic certificate and perform a purchase / distribution operation on the commodity electronic certificate.

[0207] A pre-payment module 202 is configured to set the purchase /
distribution information and the payment request information is attached to the commodity electronic certificate; the payment request is appended to the bank credit electronic certificate; payment request information includes order information, payer information, payee information, payment amount.

[0208] receiving module 203, set to receive the commodity after the receipt, the commodity receipt information is attached to the success of the electronic certificate and the bank certificate.

[0209] As a preferred solution, the receiving module 203 checks the pick-up code input by the user with the pick-up code generated by the logistics company stored in the commodity electronic certificate, and after the verification is successful, adds the receiving success information to the commodity electronic certificate and bank credit electronic certificate.

[0210] As another preferred solution, the device may further include a service request module configured to receive the after-sale service request information submitted by the user according to the user's requirement, and attach the after-sale service request information to the after-sale Date Recue/Date Received 2021-02-08 electronic certificate.

[0211] In this example of the present invention, E-commerce data processing is performed directly on the electronic stamp certificate without the need of relying on the platform technology structure, and records the transaction information of the commodity throughout the process so as to prevent counterfeit traceability and ensure that the consumer buy genuine, so that to achieve the entire network of manufacturers to provide direct intellectual trading platform to protect the interests of manufacturers and consumers.

[0212] Example 13

[0213] As shown in Figure 13, a device for implementing intelligent electronic commerce provided in an example of the present invention is applied to a bank subsystem. The device includes a card issuing module 301, a card collection module 302, and a solution payment module 303.

[0214] The issuing module 301, the banking subsystem receives the payment request information passed in the bank electronic money certificate, confirms the payment request information, and waits for the payment amount corresponding to the bank electronic credit certificate in the payer account, and attaches the prepayment success information to the bank credit electronic certificate.

[0215] Wherein, the bank electronic credit certificate includes: payer information, payee information, payment amount, payment rules, transaction information, operation instructions, user interaction interface and dynamic data and data information.

[0216] The receiving module 302 receives, after receiving the transaction confirmation information transmitted by the bank electronic credit certificate, the payee information and the payee information in the payment request information, the order information of the transaction confirmation information in the transaction confirmation information and order information in the payment request information for comparison, and if the matching is successful, appending the information of receiving a certificate of success to a bank electronic credit certificate.

[0217] The settlement module 303 is used to, after receiving the receipt success information transmitted by the bank electronic credit certificate, unfreeze and allocate the frozen payment amount in the payer account to the payee account, and attach the payment success information to the bank credit electronic certificate.

[0218] In the example of the present invention, a bank electronic certificate is generated by a Date Recue/Date Received 2021-02-08 bank subsystem, and the payment operation is performed by using a bank electronic credit certificate, thereby solving the defect that there is a deposit-taking bank fund in the third-party payment of the existing E-commerce platform and eliminating the financial risk.

[0219] Example 14

[0220] Figure 14 is a schematic diagram of an intelligent E-commerce system provided in Example 14 of the present invention. The system in the examples of the present invention interfaces with the ERP system in the manufacturing enterprise, and is fully intelligent from the realization of the widening of commodity and the trade of commodity. Details as follows:

[0221] The enterprise ERP system imports the information into the manufacturer subsystem, and specifically includes collecting commodity information, logistics information, payment information, insurance information, trading rules, operation instructions and user interface / UI.
The manufacturer subsystem collects the above information and packages. And through the data encryption to generate commodity electronic certificate, and publish, specifically through the CA
system for encryption, the commodity electronic certificate can also be stored in a cloud storage system.

[0222]
The issuance of the commodity electronic certificate is transmitted from the network to the entire network through the communication system and can be displayed on the display platform.
Specifically, the electronic certificate can be displayed on devices such as mobile terminals and PC terminals. The present invention is not limited to the specific platform for display. Search can be conducted in the whole domain, and consumers can search for electronic certificate. Display platform for the display of commodity electronic certificate, consumers can browse, the user subsystem can retrieve the commodity electronic certificate, and then perform the purchase of commodity on the electronic certificate, consignment or purchase operation, the purchase and distribution of information to the vendor subsystem. The manufacturer subsystem processes the payment information, confirms the payment information on the commodity electronic certificate, makes a pre-payment through the bank electronic credit certificate, and the bank subsystem uses the payment integrator to freeze the prepaid amount of the commodity in the buyer's account, completes the prepayment, and delivers the prepayment. The success information is attached to the bank electronic credit certificate, and the prepayment information is delivered to the manufacturer subsystem. The manufacturer subsystem executes the delivery instruction according to the successful prepayment message returned by the bank electronic certificate. After the Date Recue/Date Received 2021-02-08 manufacturer subsystem performs the delivery, the logistics. The subsystem receives the pick-up code generated by the vendor subsystem, picks up the pick-up code at the designated storage location and generates a receipt code to pick up the user subsystem, which delivers the commodity to the consumer, thus the consumer confirms the receipt by virtue of the stock code. After confirming the commodity receipt, verifying the commodity information, the delivery information, the confirmation receipt information, the advance payment information and the commodity electronic certificate transaction rules of the transaction after successfully verifying the receipt, and the payment order is transmitted to the banking subsystem through the bank's electronic certificate interface, and the bank subsystem unfreezes the prepaid amount frozen in the payment account and transfers it to the recipient account.

[0223] The manufacturer subsystem will purchase, distribution, sale information to the enterprise ERP system.

[0224] If further after-sales service, the manufacturer subsystem implementation of after-sales service, such as warranty, installation and so on. In the return, transaction error, etc., the insurance automatically take effect.

[0225] The manufacturer subsystem generates an insurance electronic certificate according to the commodity electronic certificate and delivers it to the insurance subsystem. After receiving the claim information in the insurance electronic certificate, match the insurance information in electronic certificate and calculate the claim, and attach the claim result to the insurance electronic certificate; wherein, the claim information is attached to the insurance electronic certificate by the user subsystem.

[0226] Further optionally, when receiving the purchase request, the manufacturer subsystem may further determine whether the inventory is sufficient, and if the inventory is insufficient, generate the procurement information of the raw material to be delivered to the supplier subsystem for purchasing the raw material and customize the commodity; if the stock is adequate, the delivery will be carried out.

[0227] The supplier subsystem receives the purchasing information of raw materials from the manufacturer subsystem, and supplies the supplier according to the raw materials. The supplier subsystem distributes the raw materials to the manufacturer's subsystems through the logistics subsystem, freezes the manufacturer's purchase payment amount through the bank's electronic certificate, unfreezes after the manufacturer confirms receipt of the raw materials, the banking Date Recue/Date Received 2021-02-08 subsystem unfreezes the unfrozen purchase payment amount. The payee account will be transferred to the payee account.

[0228] Further optionally, the supervisory subsystem supervises the data information of the entire transaction process. The supervisory system receives instruction information executed by a manufacturer subsystem, a user subsystem, a bank subsystem, a logistics subsystem, an insurance subsystem, and / or a provider subsystem and acquires the commodity electronic certificate, a bank credit electronic certificate, and / or insurance electronic certificate in the relevant data information.
Specifically, the regulatory subsystem provides a supervisory big data interface for government agencies, manufacturers or third-party regulators. Regulated big data system collect data from commodity information, transaction data, payment, credit, buyer transaction and behaviour, and provides it to relevant statistical units or regulatory authorities through intelligent analysis and calculation. At the same time, it may also authorize the prompt and automatic handling of the problems in the transaction to protect the interests of consumers and manufacturers and ensure the regulatory authority of the public authorities in online transactions.

[0229] In the example of the present invention, the commodity electronic certificate can circulate on the whole network and can exist in media or devices such as a PC
terminal, a mobile device, a short message, an email and so on, and can be traded whenever and wherever there is network communication. The electronic certificate uses commodity manufacturers to generate encryption and other security technologies, to ensure that commodity production is generated by the manufacturer, and dynamic data records of each link, to achieve traceability, manufacturers direct supply and marketing of commodity, it has greatly reduced the cost to achieve more benefit to consumers.

[0230] In this example of the present invention, a user can deliver his own demand to a manufacturer in real time through a communication system, and the manufacturer can customize the commodity according to the data provided by the user after the user needs.
The examples of the present invention can also communicate with the manufacturer's ERP system in real time with the input and output interfaces, commodity sales, agency and transaction data of the enterprise ERP system, so that the manufacturer can formulate a commodity plan according to the data and effectively use the large data. The examples of the present invention also provide the closed-loop application of raw material procurement by the manufacturer. The manufacturer can make use of the payment provided by the system at any time according to the data purchased by the user. The Date Recue/Date Received 2021-02-08 procurement of raw materials cannot be safely and quickly performed according to the online order situation.

[0231]
The present invention uses a bank electronic credit certificate for payment operations, due to the payment of funds in the buyer's account is frozen, after the arrival of the funds in the unfreeze and pay to the seller. In the whole transaction process, funds do not exist in the accounts of buyers and sellers, rather than on third party accounts, so as to solve the defects of the existing third party payment of E-commerce platform, and eliminate financial risks. The present invention has "express service integrator" deployed in various logistics companies.
After the user completes the purchase transaction, once the manufacturer confirms the transaction and executes the "dispatch" instruction, the logistics company will automatically through the "express business integration" manufacturers commissioned transportation command information and get the "delivery", according to the manufacturer's logistics company "delivery", to the manufacturer designated delivery point of delivery and transportation, the commodity shipped to the buyer, the buyer of commodity according to the electronic certificate dynamically generated "pick up"
confirmation the receipt, the completion of the transaction. The above processes are done automatically without human intervention, thus ensuring various leaks in the logistics chain and improving the logistics efficiency.

[0232]
The present invention has an "insurance service integrator" deployed in an insurance company. If the buyer selects the corresponding transaction insurance type automatically or manually at the time of purchase, the insurance type automatically takes effect when the manufacturer confirms the transaction. If the transaction is in danger.
According to the terms of the insurance, buyer's information will be automatically delivered to the insurance company, the insurance company chooses the claims automatically or manually according to the condition of the insurance, which really realizes the quick claim. The link of claims is reduced and the operation is simpler.

[0233] The monitoring subsystem in the examples of the present invention may be deployed in government depai ____________________________________________________________ intents, third-party regulatory agencies, etc. to monitor data collection from big data such as commodity information, transaction data, payment, reputation, user transaction and behaviour, analysis and calculation of authorization provided to the relevant statistical units, regulatory authorities, while the regulatory system can also authorize the timely handling of issues in the transaction to take measures to protect the interests of consumers, manufacturers, regulatory Date Recue/Date Received 2021-02-08 system, the realization of a big data to achieve regulatory network transactions.

[0234] In addition, an example of the present invention further provides an implementation system of an intelligent electronic commerce, which includes the implementation device applied to a manufacturer subsystem, the implementation device applied to a user subsystem in the foregoing example, and the implementation device applied to bank subsystem implementation device, not repeat here.

[0235] It should be noted that the technical features in the foregoing system examples are also applicable in the corresponding method and device examples, and are not repeated in each example in order to save space.

[0236] The general technicians of this field can understand and implement all or parts of steps in the above-mentioned examples that can complete the procedure by controlling relevant hardware, and the said procedure can be stored in a readable storage media of a computer such as ROM/RAM, disk and light disk.

[0237] The preferred examples of the present invention have been described above with reference to the accompanying drawings, which are not to limit the scope of the present invention.
without departing from the scope and spirit of the invention, there are various modifications to realize the example, such as the character of one example may be implemented in another example, and then another example occurs Any modifications, equivalents, and modifications that come within the technical concept of the invention are intended to be within the right scope of the invention. Industrial utility

[0238] The present invention provides an intelligent electronic commerce system and its implementation method and device, through the direct conduct of commodity activities on the information carrier, without relying on the platform technology architecture, and the entire record of commodity transaction information, it can prevent the counterfeit source, ensure that consumers purchase the genuine products, and realize the platform based intelligent transaction mode that is directly supplied by the entire domain providers, so as to protect the interests of vendors and consumers.

[0239] Second, through the use of bank credit electronic certificate for payment operations, since the payment is frozen in the buyer's account, the funds is transferred to the seller after the arrival of the commodity. The entire transaction proceeds only in the account of the buyer and the seller, it not on the third party account, it solves the defects of the existing third party payment for Date Recue/Date Received 2021-02-08 the existence of the funds for the existence of the deposit of the bank and put an end to the financial risk.

[0240] In addition, through the integration of commodity trading links, payment links, logistics links, insurance links and regulatory systems, the whole process is completed automatically, without manual intervention, so as to ensure various vulnerabilities in the transaction process, and realize the intelligent E-commerce system that the whole network vendors directly supply platform to trade mode, which improves the safety and efficiency of commodity trading.

[0241] The E-commerce transactions among the commodity transaction, payment, logistics, insurance, regulatory links and other data between the dynamic relationship between the processing and status of automatic processing, reduce manual intervention, and realize the automated business processing of business links such as manufacturers, suppliers, banks, insurance, logistics, regulators and consumers, and realize the business logic intelligence, intelligent commodity circulation, intelligent supply chain, financial payment intelligent, intelligent transaction management.

Date Recue/Date Received 2021-02-08

Claims

Claims:

1. An intelligent electronic commerce method, the method comprising:
acquiring a commodity electronic certificate to perform a purchase /
distribution operation on the commodity electronic certificate;
adding purchase / distribution infomiation and payment request infomiation into the commodity electronic certificate;
attaching payment request into a bank electronic certificate; wherein the payment request includes order infomiation, payer infomiation, payee infomiation and a payment amount;
and adding receipt infomiation into the commodity electronic certificate and the bank electronic certificate after a user receives a commodity successfully;

2. The method of claim 1, wherein the commodity electronic certificate is generated by a manufacturer subsystem.

3. The method of claim 1, wherein the bank electronic certificate is generated by a bank subsystem.

4. The method of any one of claims 1 and 3, wherein the bank electronic certificate includes the payer information.

5. The method of any one of claims 1 and 3 to 4, wherein the bank electronic certificate includes the payee information.

6. The method of any one of claims 1 and 3 to 5, wherein the bank electronic certificate Date Recue/Date Received 2021-02-08 includes the payment amount.

7. The method of any one of claims 1 and 3 to 6, wherein the bank electronic certificate includes payment rules.

8. The method of any one of claims 1 and 3 to 7, wherein the bank electronic certificate includes transaction information.

9. The method of any one of claims 1 and 3 to 8, wherein the bank electronic certificate includes operation instructions.

10. The method of any one of claims 1 and 3 to 9, wherein the bank electronic certificate includes a user interface.

11. The method of any one of claims 1 and 3 to 10, wherein the bank electronic certificate includes dynamic data.

12. The method of claim 1 further includes:
comparing a pick-up code input by the user with a pick-up code for receiving the commodity stored in the commodity electronic certificate; and receiving the commodity after a comparison result of the pick-up codes is successful matched.

13. The method of claim 1 further includes:
receiving after-sale service information submitted by the user according to a user's requirement; and attaching the after-sale service information into an after-sale electronic certificate.

Date Recue/Date Received 2021-02-08

14. An intelligent electronic commerce implementation device, the device comprising:
an operation module configured to acquire a commodity electronic certificate to perform a purchase / distribution operation on the commodity electronic certificate;
a prepayment module configured to:
add purchase / distribution information and payment request information into the commodity electronic certificate;
attach payment request information into a bank electronic certificate;
wherein the payment request includes order information, payer information, payee information and a payment amount; and a receiving module configured to add receipt information into the commodity electronic certificate and the bank electronic certificate after a user receives the commodity successfully.

15. The device of claim 14, wherein the commodity electronic certificate is generated by a manufacturer subsystem.

16. The device of claim 14, wherein the bank electronic certificate is generated by a bank subsystem.

17. The device of any one of claims 14 and 16, wherein the bank electronic certificate includes payer information.

18. The device of any one of claims 14 and 16 to 17, wherein the bank electronic certificate includes payee information.

19. The device of any one of claims 14 and 16 to 18, wherein the bank electronic certificate Date Recue/Date Received 2021-02-08 includes a payment amount.

20. The device of any one of claims 14 and 16 to 19, wherein the bank electronic certificate includes payment rules.

21. The device of any one of claims 14 and 16 to 20, wherein the bank electronic certificate includes transaction information.

22. The device of any one of claims 14 and 16 to 21, wherein the bank electronic certificate includes operation instructions.

23. The device of any one of claims 14 and 16 to 22, wherein the bank electronic certificate includes a user interface.

24. The device of any one of claims 14 and 16 to 23, wherein the bank electronic certificate includes dynamic data.

25. The device of claim 14, wherein the receiving module is further configured to:
compare a pick-up code input by the user with a pick-up code for receiving a commodity stored in the commodity electronic certificate; and receive the commodity after a comparison result of the pick-up codes is successful matched.

26. The device of claim 14 further includes an after-sale service module.

27. The device of claim 26, wherein the after-sale service module is configured to:
receive after-sale service information submitted by the user according to a user's requirement; and Date Recue/Date Received 2021-02-08 attach the after-sale service information into an after-sale electronic certificate.

Date Recue/Date Received 2021-02-08