CA3110785C - Network transaction information processing method and system - Google Patents
Network transaction information processing method and system Download PDFInfo
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- CA3110785C CA3110785C CA3110785A CA3110785A CA3110785C CA 3110785 C CA3110785 C CA 3110785C CA 3110785 A CA3110785 A CA 3110785A CA 3110785 A CA3110785 A CA 3110785A CA 3110785 C CA3110785 C CA 3110785C
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- 230000010365 information processing Effects 0.000 title claims abstract description 20
- 238000003672 processing method Methods 0.000 title abstract description 12
- 238000000034 method Methods 0.000 claims abstract description 30
- 238000005516 engineering process Methods 0.000 claims description 5
- 238000012545 processing Methods 0.000 abstract description 5
- 230000015572 biosynthetic process Effects 0.000 abstract 1
- 238000010586 diagram Methods 0.000 description 7
- 230000006870 function Effects 0.000 description 5
- 238000012795 verification Methods 0.000 description 4
- 238000004891 communication Methods 0.000 description 2
- 238000011161 development Methods 0.000 description 2
- 230000009191 jumping Effects 0.000 description 2
- 238000013507 mapping Methods 0.000 description 2
- 238000004364 calculation method Methods 0.000 description 1
- 238000004590 computer program Methods 0.000 description 1
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
Abstract
Abstract The present invention relates to a network transaction information processing method. The method comprises: receiving an identifier of a dynamic information certificate inputted by a first terminal; according to the identifier, displaying a transaction page corresponding to the dynamic information certificate; receiving a transaction command sent by the first terminal via the transaction page; ac-cording to the transaction command, obtaining an electronic credit commitment payment certificate corresponding to the first terminal, and performing a payment according to a pre-set payment condition of the electronic credit commitment payment certificate. The method effectively simplifies a payment process within a network transaction, and improves the security of funds. Also provided are a network transaction in- formation processing system, and a computer storage medium. Date Recue/Date Received 2021-03-01
Description
NETWORK TRANSACTION INFORMATION PROCESSING METHOD AND SYSTEM
[1] [Technical Field]
[1] [Technical Field]
[2] The present invention relates to the field of electronic commerce, and more specifically to an information processing method for online transactions and system therefor.
[3] [Background Technology]
[4] With the development of network technology, online transactions have also been developed rapidly. Traditional online transactions concern sellers opening a network shop through a third party network platform and delivering product information through the network shop. The buyers click into the network shop to choose goods, and to pay for then through a third party payment platform. In the process of data processing of network transactions, it is usually necessary to complete the payment through a third party platform. However, such a third party payment platform usually has problems such as excess of operational processes, huge financial risk, etc. Hence, how to effectively simplify the payment process in online transactions and improve the security of funds is a pressing technical problem.
[5] [Summary of the Invention]
[6] Based on the foregoing problem, it is necessary to provide a processing method for network transaction information and a system capable of effectively simplifying the payment process and improving the security of funds in the network transaction against the above mentioned technical problems.
[7] A processing method of network transaction information includes:
[8] Receive identifier of dynamic information certificate inputted by the first terminal;
[9] According to the transaction page corresponding to the mentioned identifier, display the dynamic information certificate.
[10] Receive a transaction command delivered by the first terminal via the transaction page.
[11] According to the transaction command, obtain a payment certificate corresponding to the first terminal, and perform payment according to a pre-set payment condition of the payment certificate.
[12] Among one of the examples, the step of displaying a transaction page corresponding to the mentioned dynamic information certificate according to the mentioned identification includes:
Date Recue/Date Received 2022-01-18
Date Recue/Date Received 2022-01-18
[13] Retrieving the information data of the dynamic information certificate according to the mentioned identification;
[14] Generating a transaction page corresponding to the mentioned dynamic information certificate using the retrieved information data;
[15] Pop up the transaction page for display.
[16] Among one of the examples, before the step of receiving the identification of the dynamic information certificate corresponding to the dynamic information credential inputted by the first terminal, the method further includes:
[17] Receiving a request for generating a dynamic information certificate delivered by the second terminal;
[18] Receiving information data inputted by the second terminal according to the request of generating the dynamic information certificate;
[19] Generating the corresponding dynamic information certificate using the mentioned information data, the mentioned dynamic information certificate including a corresponding identification;
[20] Issuing the dynamic information certificate with the mentioned identification.
[21] Among one of the examples, prior to the step of retrieving the mentioned information data of the mentioned dynamic information certificate according to the mentioned identification, the method further includes:
[22] Mapping the identification of the mentioned dynamic infonnation certificate inputted by the first terminal into a point in a pre-set array using a hash function;
[23] Judging whether the corresponding value of the mapped point is true;
[24] If yes, it is confirmed that the identification of the mentioned dynamic information certificate inputted by the first terminal is valid and the method proceeds to search the information data of the mentioned dynamic information certificate corresponding to the identification.
[25] Among one of the examples, after the step of obtaining the electronic credit commitment payment certificate corresponding to the first terminal according to the mentioned transaction command and making the payment according to a pre-set settlement condition of the mentioned electronic credit commitment payment certificate, the method also includes:
Date Recue/Date Received 2022-01-18
Date Recue/Date Received 2022-01-18
[26] Receiving a query request delivered by the first terminal or the second terminal;
[27] Displaying a query result corresponding to the mentioned dynamic information certificate according to the query request.
[28] There is further disclosed an information processing system of interne transaction, the mentioned system including a first terminal and server, wherein:
[29] The first terminal uses as identification the inputted dynamic information certificate;
[30] The server displays a transaction page corresponding to the mentioned dynamic information certificate according to the identification;
[31] The said first terminal is further used to deliver a transaction command via said transaction page;
[32] According to the transaction command, obtain a payment certificate corresponding to the first terminal, and perform payment according to a pre-set payment condition of the electronic credit commitment payment certificate.
[33] Among one of the examples, the said server is further configured to retrieve information data of the said dynamic information certificate based on the identification, generate a transaction page corresponding to the dynamic information certificate using the retrieved information data, and pop up the said transaction page for displaying.
[34] Among one of the examples, the system further includes a second terminal for sending a request to generate a said dynamic information certificate and inputting corresponding information data after the server receives the request to generate the said dynamic information certificate. The server is further configured to generate a corresponding dynamic information certificate using the information data, the dynamic information certificate including a corresponding identifier, and issue the dynamic information certificate carrying the said identification.
[35] Among one of the examples, the server is further configured to map the identification of the said dynamic information certificate inputted by the first terminal into a point in the pre-set array using a hash function and judge whether it is true or not a value corresponding to the mapped point; if so, confirming that the identification of the said dynamic information certificate inputted by the first terminal is valid and retrieving the information data of the dynamic information certificate corresponding to the said identification.
Date Recue/Date Received 2022-01-18
Date Recue/Date Received 2022-01-18
[36] Among one of the examples, the first terminal or the second terminal is further configured to transmit a query request; the said server is further configured to display, based on the query request, a query result corresponding to the said dynamic information certificate.
[37] There is further disclosed an information processing system for a network transaction including a terminal and a server, the server including a processor and a storage medium storing instructions in which the instructions are executed by the processor, the processor performs the following steps:
[38] Receive identification of a dynamic information certificate inputted by the terminal,
[39] According to the transaction page corresponding to the mentioned identifier, display a dynamic information certificate;
[40] Receive a transaction command sent by the terminal via the transaction page;
[41] According to said transaction command, obtain payment certificate of an electronic credit corresponding to the terminal and perform payment according to a pre-set payment condition of the payment certificate.
[42] There is further disclosed one or more computer storage media containing computer-executable instructions for executing a network transaction information processing method, the method comprising the following steps:
[43] Receive identification of a dynamic information certificate inputted by the terminal;
[44] According to the transaction page corresponding to the mentioned identifier, display a dynamic information certificate;
[45] Receive a transaction command sent by the terminal via the transaction page;
[46] Acquire an electronic credit commitment payment certificate of the terminal according to the transaction command and pay according to a pre-set settlement condition of the electronic credit commitment payment certificate.
[47] The method comprises: receiving an identification of a dynamic information certificate inputted by a first terminal; according to the identification, displaying a transaction page corresponding to the dynamic information certificate; receiving a transaction command sent by the first terminal via the transaction page; according to the transaction command, obtaining the electronic credit commitment payment certificate corresponding to the first terminal, and performing a payment according to a pre-set payment condition of the electronic credit commitment payment certificate. The transaction page corresponding to Date Recue/Date Received 2022-01-18 the dynamic information certificate can be displayed by receiving the identification of the dynamic information certificate inputted by the first terminal. Since it is not necessary to jump to a third party payment platform after receiving the transaction command of the first terminal on the transaction page, the electronic credit commitment payment certificate corresponding to the first terminal can be paid according to the pre-set settlement condition. The foregoing may advantageously effectively simplify the payment process and effectively improve the security of funds.
[48] [Brief Description]
[49] In order to specifically illustrate the examples of the invention or the technical solutions in the current technology, the following drawings, which are to be used in the description of the examples or the current technology, will be briefly described, and it will be apparent that the following accompanying drawings, which are merely exemplary of the invention, may be made by those of ordinary skill in the art in view of the accompanying drawings, in which the drawings of other examples may be obtained without departing from the inventive work.
[50] Figure 1 is an application environment diagram of a network transaction information processing method in one example;
[51] Figure 2 is a flowchart of a network transaction information processing method in one example;
[52] Figure 3 is a schematic diagram of a dynamic information certificate in one example;
[53] Figure 4 is a schematic diagram of a structure of a network transaction information processing system in one example;
[54] Figure 5 is a schematic diagram of a structure of a network transaction information processing system in another example;
[55] Figure 6 is a schematic diagram of a server in one example.
[56] [Description of the Preferred Examples]
[57] The method provided by the example of the present invention can be applied to an application environment as shown in Figure 1. The first terminal 102 communicates with the server 104 via the network 108. The second terminal 106 communicates with the server 104 through the network 110. The second terminal 106 transmits a request for generating a dynamic information certificate to the server 104 via the network 110, and Date Recue/Date Received 2022-01-18 the server 104 receives the request and provides a page for generating the dynamic information certificate. The second terminal 106 registers the page and inputs the information data on the page, wherein the information data includes product information, transaction information, and the like, and the server 104 generates the dynamic information certificate carrying the identification using the information data and releases the dynamic information certificate with identification. Each dynamic information certificate corresponds to a commodity. The first terminal 102 acquires the identification of the dynamic information certificate of the required product on the page on which the dynamic information certificate is issued via the network 108. The first terminal 102 enters the acquired identification on the page where the dynamic information certificate is issued, and the server 104 pops up with an asynchronous communication via AJAX
(Asynchronous JavaScript And XML, asynchronous JavaScript and XML, a web development technique for creating an interactive web application) for a dynamic information certificate corresponding to the trading page. The first terminal 102 transmits a transaction command such as "purchase" in the transaction page, the server 104 acquires the pre-processed electronic credit commitment certificate corresponding to the first terminal and pays it according to the pre-set settlement condition of the electronic credit commitment payment certificate, thus completing the network transaction. Since the transaction command sent by the first terminal is received on the transaction page, it is possible to make use of the electronic credit commitment payment certificate corresponding to the first terminal without jumping to a third party payment platform, thereby effectively simplifying payment process in the network transaction and effectively improving the security of funds.
(Asynchronous JavaScript And XML, asynchronous JavaScript and XML, a web development technique for creating an interactive web application) for a dynamic information certificate corresponding to the trading page. The first terminal 102 transmits a transaction command such as "purchase" in the transaction page, the server 104 acquires the pre-processed electronic credit commitment certificate corresponding to the first terminal and pays it according to the pre-set settlement condition of the electronic credit commitment payment certificate, thus completing the network transaction. Since the transaction command sent by the first terminal is received on the transaction page, it is possible to make use of the electronic credit commitment payment certificate corresponding to the first terminal without jumping to a third party payment platform, thereby effectively simplifying payment process in the network transaction and effectively improving the security of funds.
[58] Figure 2 is a flow schematic diagram of a network transaction information processing method provided by an example of the present invention. It should be understood that although the steps in the flowchart of Figure 2 are sequentially displayed as indicated by the arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. Unless clearly stated herein, the execution of these steps is not strictly restrictive and may be performed in another order. Moreover, at least a portion of the steps in Figure 2 may include a plurality of sub-steps or stages that are not necessarily executed at the same time, but may be executed at different times, and the order of execution is not Date Recue/Date Received 2022-01-18 necessarily in turn, but may be carried out alternately or alternatively with at least a portion of the steps or stages of the other steps or further other steps.
Taking the method applied to the server as an example, the method includes specifically the following steps:
Taking the method applied to the server as an example, the method includes specifically the following steps:
[59] Step 202, identification of receiving a dynamic information certificate inputted by first terminal
[60] The dynamic information certificate is a collection of information, including commodity information, transaction information, logistics information, order information, etc., and it is generated by the seller (also known as the recipient) in advance to prove that the seller has completed a transaction payment obligation through the server. Each dynamic information certificate corresponds to a commodity. As shown in Figure 3, a schematic diagram of a dynamic information certificate is provided, including the name of goods, commodity prices, merchandise pictures, logo, payment information, delivery and distribution, etc. The buyer can obtain the identification of the dynamic information certificate corresponding to the desired item by displaying the page of the dynamic information certificate by the first terminal, and the identification of the dynamic information certificate of the desired product can be inputted on the page showing the dynamic information certificate. Furthermore, if there are more dynamic information certificates on the page displaying the dynamic information certificate, the buyer can also use the first terminal to enter the keywords and / or search conditions of the desired item to search so that the dynamic information certificate of the desired product can be quickly obtained.
[61] Step 204, according to the identification, display the transaction page corresponding to the dynamic information certificate.
[62] The dynamic information certificate is stored on the server or the cloud database that the server can access. Among one of the examples, the step of displaying the transaction page according to the dynamic information certificate corresponding to the identification includes: retrieving the information data of the dynamic information certificate according to the identification; generating the transaction page corresponding to the dynamic information certificate using the retrieved information data; popping up the transaction page to show. The server searches the information data of the dynamic information certificate in the server or in the cloud database based on the identification, after the buyer Date Recue/Date Received 2022-01-18 inputs the identification of the dynamic information certificate of the desired product using the first terminal, and generates the transaction page corresponding to the dynamic information certificate based on the retrieved information data. The server displays the transaction page via AJAX asynchronous communication.
[63] Step 206, receive the transaction command sent by first terminal via transaction page.
[64] In the transaction page, the buyer needs to display the details of the goods, including the name of the product, the only specific logo, transaction rules, logistics information, insurance information, etc. The buyer can use the first terminal to enter the necessary information to purchase the necessary goods, such as quantity, shipping address and so on. The buyer uses the first terminal to input the necessary information to purchase the desired item, and then click the transaction button on the trading page to issue a transaction order to the server. Transaction orders can be purchasing, submitting, etc.
[65] Step 208, according to transaction command, obtain the electronic credit commitment payment certificate corresponding to the first terminal, and perform payment according to the pre-set payment condition of the payment certificate.
[66] The Electronic Credit Commitment Certificate is an electronic certificate for payment settlement in accordance with pre-set settlement conditions. The electronic credit commitment certificate is issued by using an amount of funds or credit in the buyer's bank account as a guarantee. The electronic credit commitment certificate corresponding to the first terminal is the one that issued by the buyer through a banking system.
The electronic credit commitment certificate may include information of the buyer's bank account and a default address preset by the buyer's for receiving commodity etc. The banking system issues the electronic credit commitment certificate for the buyer, and a banking system issues an information certificate for the seller, which may be from the same bank or different banks. After the buyer delivers a transaction order through the first terminal, the server calculates the payment amount based on a price and a quantity of the commodity in the information certificate. The server obtains the electronic credit commitment certificate corresponding to the first terminal to judge whether the amount of funds or credit in the electronic credit commitment certificate is greater than the payment amount.
If the amount of funds or credit in the electronic credit commitment certificate is greater than the payment amount, the server freezes the amount of funds or credit in the electronic Date Recue/Date Received 2022-01-18 credit commitment certificate equal to the payment amount and displays the frozen amount of funds on the payment page. If the amount of funds or credit in the electronic credit commitment certificate is less than the payment amount, the server returns an error message to the first terminal. When the pre-set settlement conditions are met, the server transfers the amount of frozen funds to the seller's account corresponding to the information certificate for paying, then a network transaction has been completed.
The electronic credit commitment certificate may include information of the buyer's bank account and a default address preset by the buyer's for receiving commodity etc. The banking system issues the electronic credit commitment certificate for the buyer, and a banking system issues an information certificate for the seller, which may be from the same bank or different banks. After the buyer delivers a transaction order through the first terminal, the server calculates the payment amount based on a price and a quantity of the commodity in the information certificate. The server obtains the electronic credit commitment certificate corresponding to the first terminal to judge whether the amount of funds or credit in the electronic credit commitment certificate is greater than the payment amount.
If the amount of funds or credit in the electronic credit commitment certificate is greater than the payment amount, the server freezes the amount of funds or credit in the electronic Date Recue/Date Received 2022-01-18 credit commitment certificate equal to the payment amount and displays the frozen amount of funds on the payment page. If the amount of funds or credit in the electronic credit commitment certificate is less than the payment amount, the server returns an error message to the first terminal. When the pre-set settlement conditions are met, the server transfers the amount of frozen funds to the seller's account corresponding to the information certificate for paying, then a network transaction has been completed.
[67] During the period of the funds being frozen, the buyer cannot use the frozen funds, but the frozen funds are still in the buyer's account (account issued by using buyer's name), therefore, the frozen funds can be treated as a deposit with a certain interest and can be included in a proof of assets for other purposes. The pre-set settlement conditions include automatic settlement after completion of delivery, settlement after completion of delivery with a verification, settlement authorized to others. Settlement means the payment transferred from the buyer to seller. The automatic settlement after completion of delivery is processing the settlement directly without any further verification when the commodity being delivered and the seller submitting the signing/delivery receipt. The data in the signing/delivery receipt includes buyer information, data related to signing the commodity, etc. Settlement after completion of delivery with a verification is processing the settlement after the seller submitting the signing/delivery receipt and the buyer confirming the signing/delivery receipt. Settlement authorized to others is processing the settlement without any further verification after submitting the signing/delivery receipt by a third-party authorized by both buyer and seller.
[68] Further, if the buyer does not want to continue to pay after delivering the transaction order through the first terminal, the buyer can return onto the transaction page to cancel the transaction. The server no longer continues to pay in accordance with pre-set settlement conditions and unfreezes the frozen funds. If the buyer is not satisfied with the received commodity, the buyer can re-enter an identifier of the information certificate within the pre-set period of time through the first terminal and click "return" on a pop-up transaction page on the server, then the server does not unfreeze the frozen funds to pay.
When the seller confirms the reception of the returned commodity, then the server unfreezes the frozen funds.
When the seller confirms the reception of the returned commodity, then the server unfreezes the frozen funds.
[69] In the present example, there is disclosed a step of receiving an identification of a dynamic Date Recue/Date Received 2022-01-18 information certificate inputted by a first terminal; according to the identification, displaying a transaction page corresponding to the dynamic information certificate;
receiving a transaction command delivered by the first terminal via the transaction page;
according to the transaction command, obtaining an electronic credit commitment payment certificate corresponding to the first terminal, and performing a payment according to a pre-set payment condition of the electronic credit commitment payment certificate. The transaction page corresponding to the dynamic information certificate can be displayed by receiving the identification of the dynamic information certificate inputted by the first terminal. Since it is not necessary to jump to the third party payment platform after receiving the transaction command of the first terminal on the transaction page, the electronic credit commitment payment certificate corresponding to the first terminal can be paid according to the pre-set settlement condition. Thus the foregoing can effectively simplify the payment process and effectively improve the security of funds.
receiving a transaction command delivered by the first terminal via the transaction page;
according to the transaction command, obtaining an electronic credit commitment payment certificate corresponding to the first terminal, and performing a payment according to a pre-set payment condition of the electronic credit commitment payment certificate. The transaction page corresponding to the dynamic information certificate can be displayed by receiving the identification of the dynamic information certificate inputted by the first terminal. Since it is not necessary to jump to the third party payment platform after receiving the transaction command of the first terminal on the transaction page, the electronic credit commitment payment certificate corresponding to the first terminal can be paid according to the pre-set settlement condition. Thus the foregoing can effectively simplify the payment process and effectively improve the security of funds.
[70] In one example, the step of receiving the identification of the dynamic information certificate corresponding to the dynamic information certificate inputted by the first terminal further includes: receiving a request for generating the dynamic information certificate transmitted by the second terminal; receiving the information data inputted by the second terminal as the request of the information certificate; generating the corresponding dynamic information certificate with the information data, including the corresponding identification of the dynamic information certificate; and issuing the dynamic information certificate carrying a logo.
[71] The seller uses the second terminal to send a request to the server to generate the dynamic information certificate. The server provides the setting page of dynamic information certificate according to the request to generate the dynamic information certificate, and the seller inputs the information data on the setting page of the dynamic information certificate by using the second terminal, wherein the information data includes seller information, commodity information, transaction rules, receipt information, physical information, etc. The server generates a corresponding dynamic information certificate based on the information data inputted by the second terminal, and the generated dynamic information certificate includes the information data inputted by the seller using the second terminal and the corresponding identification. Each dynamic information Date Recue/Date Received 2022-01-18 certificate has a unique identification, which can be the number of the dynamic information certificate, etc. Each dynamic information certificate corresponds to only one or a class of goods. If the seller has multiple or multiple types of goods, multiple dynamic information certificates need to be generated. In another example, the seller may send a request to generate a dynamic information certificate to the server using an application (APP) installed on the second terminal, thereby using the application to submit the information data to the server. The server generates the corresponding dynamic information certificate based on the information data submitted by the application. After generating the dynamic information certificate, the server sends a notification to the second terminal that the dynamic information certificate has been successfully generated.
[72] Among one of the examples, the server publishes the dynamic information certificates carrying the identification directly via the network after generating the dynamic information certificate. Specifically, the server can post the dynamic information certificate carrying identification on the bank website through the network displaying the page of dynamic information certificate, and the server can also post the dynamic information carrying identification on the bank's website which links to the third-party website such as Taobao, Jingdong, Baidu and so on. In addition to being released by the server, dynamic information certificates can also be forwarded to different network environments. For example, the dynamic information certificates can be forwarded to social networks. In another example, the server may, upon the receipt of a dynamic information certificate issuance command delivered by the seller using the second terminal, publish the dynamic information certificate carrying the logo to the page on which the dynamic information certificate is displayed on the bank website, or publish the dynamic information certificate carrying the logo on the bank website linking to multiple third party websites. Accordingly the server can publish the dynamic information certificate to a variety of sites for displaying, thus providing a new kind of shopping model. The buyer can get the required information of the dynamic information certificate from a variety of different websites, and as long as one inputs the identification of the dynamic information certificate on the page displaying dynamic information certificates, one can pop up a dynamic information certificate with the corresponding transaction page, thus saving the buyer's shopping time.
Date Recue/Date Received 2022-01-18
Date Recue/Date Received 2022-01-18
[73] Further, after the network transaction completed, the server can count the completed online transactions posted by which websites. The server can count for all online transactions that have been traded, and can also count for the completed electronic transactions of individual sellers and show the results. The foregoing can not only use big data statistics to assess which sites publish dynamic information certificates better, but also the transaction record statistics can be used for bargaining between banks.
[74] In one example, prior to the step of retrieving the information data of the dynamic information certificate according to the identification, the method further includes:
mapping the identification of the dynamic information certificate inputted by the first terminal into a predetermined array by using a hash function. If it is judged that the identification of the dynamic information certificate inputted by the first terminal is valid, retrieving the information data of the dynamic information certificate corresponding to the identification.
mapping the identification of the dynamic information certificate inputted by the first terminal into a predetermined array by using a hash function. If it is judged that the identification of the dynamic information certificate inputted by the first terminal is valid, retrieving the information data of the dynamic information certificate corresponding to the identification.
[75] In the present example, the server verifies whether or not the identification is valid after receiving the identification of the dynamic information certificate inputted by the buyer using the first terminal. Specifically, the server can use the hash function to map the identification of the dynamic information certificate inputted by the first terminal into a point in the pre-set array, judging whether or not the corresponding value of the mapped point is true. If true, it is confirmed that the identification of the dynamic information certificate inputted by the first terminal is valid. Otherwise, it is confirmed that the identification is invalid. Thereafter comparing the identification of the received dynamic information certificate with the identification of the pre-stored dynamic information certificate and verifying the presentation of the dynamic information certificate inputted by the first terminal. The server starts to retrieve the information data of the dynamic information certificate corresponding to the identification after confirming that the identification of the dynamic information certificate is valid.
[76] In one example, after receiving the electronic credit commitment payment certificate of the first terminal according to the transaction command and performing the payment according to the pre-set payment condition of the electronic credit commitment payment certificate, the method further includes: communicating with the first terminal or a second terminal; and displaying the query result corresponding to the dynamic information Date Recue/Date Received 2022-01-18 certificate according to the query request.
[77] In the present example, after the online transaction is completed, the buyer can use the first terminal or the seller to query about the details of the online transaction. The buyer can use the first terminal to input the identification of the dynamic information certificate concerning the transaction to query the transaction information, such as logistics information, refund information and so on. The buyer can also use the first terminal to scan the two-dimensional code of the dynamic information certificate concerning the transaction to query the transaction information. The seller can use the second terminal to input the identification of the dynamic information certificate of the completed transaction on the page where the dynamic information certificate is displayed to query the transaction information, such as logistics information, collection information and so on.
The seller may also use the application program installed on the second terminal to query the transaction information by scanning the two-dimensional code of the dynamic information certificate of the completed transaction or by entering the identification of the dynamic information certificate of the completed transaction. The foregoing can enable the buyers and sellers to track the details of the online transactions.
The seller may also use the application program installed on the second terminal to query the transaction information by scanning the two-dimensional code of the dynamic information certificate of the completed transaction or by entering the identification of the dynamic information certificate of the completed transaction. The foregoing can enable the buyers and sellers to track the details of the online transactions.
[78] In one example, as shown in Figure 4, there is provided a network transaction information processing system including a first terminal 402 and a server 404, wherein:
[79] The first terminal 402, uses the identification of the inputted dynamic information certificate;
[80] The server 404 displays a transaction page corresponding to the dynamic information certificate according to the identification; Among one of the examples, the server 404 is further configured to retrieve the information data of the dynamic information certificate based on the identification; generate the transaction page corresponding to the dynamic information certificate using the retrieved information data; and display the pop-up transaction page.
[81] The first terminal can also be used to receive a transaction command sent by the transaction page.
[82] The server 404 can also be used to obtain an electronic credit payment certificate corresponding to the first terminal according to the transaction command and perform payment according to a pre-set payment condition of the electronic credit payment Date Recue/Date Received 2022-01-18 certificate.
[83] In the present example, the server receives the identification of the dynamic information certificate inputted by the first terminal and displays the transaction page corresponding to the dynamic information certificate. Since the first terminal transmits the transaction command on the transaction page, it is possible to pay the electronic credit commitment payment certificate corresponding to the first terminal without jumping to the third party payment platform and to pay the transaction in accordance with the pre-set payment condition, thus effectively simplifying the payment process and improving the security of the funds.
[84] In one example, as shown in Figure 5, the system further includes a second terminal 406 for sending a request to generate a dynamic information certificate and, upon receipt of a request for generating a dynamic information certificate by the server 404, inputting corresponding information data. The server 404 is also used to generate the corresponding dynamic information certificate using the information data, and the corresponding information is included in the dynamic information certificate; and the dynamic information certificate carrying a logo is issued.
[85] In the present example, the server generates the corresponding dynamic information certificate using the information data inputted by the second terminal and then displays the dynamic information certificate carrying the identification to a plurality of different websites, thereby providing a new type of shopping mode. The buyer can get the dynamic information certificates of required information on a variety of different websites, and as long as the buyer enters the identification of dynamic information certificate on the page of the identification of dynamic information, the buyer can pop up a dynamic information certificate with the corresponding transaction page, which is valid for saving shopping time.
[86] Further, after the network transaction is completed, the server 404 can count the completed online transactions posted by which websites. The server 404 can count all online transactions that have been traded and can also count the completed electronic transactions of individual sellers and show the results, which can use big data statistics to assess which sites can publish dynamic information certificates better.
[87] In one of the examples, the server is further configured to map the identification of the Date Recue/Date Received 2022-01-18 dynamic information certificate inputted by the first terminal into a point in the pre-set array using a hash function; judge whether it is true or not that a value corresponds to the mapped point; if so, confirm that the identification of the dynamic information certificate inputted by the first terminal is valid and retrieve the information data of the dynamic information certificate corresponding to the identification.
[88] In the present example, the server 404 starts to retrieve the information data of the dynamic information certificate corresponding to the identification after confirming that the identification of the dynamic information certificate is valid.
[89] In one example, the first terminal 402 or the second terminal 406 is also used to send a query request; the server 404 is also used to display the query results corresponding to the dynamic information certificates according to the query request.
[90] In the present example, after the online transaction is completed, the buyer can use the first terminal or the seller to query about the details of the online transaction using the second terminal. It can enable the buyers and sellers to track the details of online transactions.
[91] In one example, there is provided an information processing system of online transaction including a terminal and a server, the server including a processor and a storage medium on which instructions are stored, and when the instructions are executed by the processor, the processor performs the following steps:
[92] Receive identification of dynamic information certificate inputted by the terminal;
[93] According to the identification, display a transaction page corresponding to the dynamic information certificate.
[94] Receive the transaction command sent by terminal via transaction page.
[95] According to the transaction command, obtain the electronic credit payment certificate corresponding to the terminal, and perform payment according to the pre-set payment condition of the payment certificate.
[96] As shown in Figure 6, there is illustrated the internal structure of a server in one of the examples including a processor, a storage medium, a memory, and a network interface connected via a system bus. Wherein the storage medium of the server stores an operating system, a database, and a network transaction information processing device for implementing an online transaction information processing method applicable to a server.
Date Recue/Date Received 2022-01-18 The processor of the server is used to provide calculation and control capabilities to support the operation of the entire server. The memory of the server provides an environment for the operation of the network transaction information processing device in the storage medium. The network interface of the server is used for communicating with an external terminal via a network connection, such as receiving an identification of a dynamic information certificate delivered by the terminal and displaying a transaction page corresponding to a dynamic information certificate. The server can be implemented through a standalone server or multiple servers, such as servers that can include online transaction information processing servers and storage servers, etc.
Date Recue/Date Received 2022-01-18 The processor of the server is used to provide calculation and control capabilities to support the operation of the entire server. The memory of the server provides an environment for the operation of the network transaction information processing device in the storage medium. The network interface of the server is used for communicating with an external terminal via a network connection, such as receiving an identification of a dynamic information certificate delivered by the terminal and displaying a transaction page corresponding to a dynamic information certificate. The server can be implemented through a standalone server or multiple servers, such as servers that can include online transaction information processing servers and storage servers, etc.
[97] Further, a computer storage medium is also provided.
[98] Furthermore there is provided one or more computer storage media containing computer-executable instructions for executing a network transaction information processing method, which includes the following steps:
[99] Receive identification of the dynamic information certificate inputted by a terminal;
[100] According to the identification, display a transaction page corresponding to the dynamic information certificate;
[101] Receive a transaction command delivered by the terminal via the transaction page;
[102] Obtain the commitment payment certificate electronic credit of the terminal according to the transaction command and pay according to the pre-set settlement condition of the electronic credit commitment payment certificate.
[103] The ordinary person of skill in the field that can understand and implement all or part of the processes in the above mentioned method of the examples will appreciate that the foregoing may be accomplished by means of a computer program that can be stored in a computer-readable storage medium. The program may, when executed, include flows of all examples as described above. Said storage medium can be a magnetic disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM), etc.
[104] The technical features of the examples described above can be arbitrarily combined. In order to simplify the description, the foregoing does not describe all the possible combinations of the various technical features in the above examples; however, combinations and subcombinations of the foregoing technical features, insofar as they do not display a contradiction, should be considered within the scope of this disclosure.
Date Recue/Date Received 2022-01-18
Date Recue/Date Received 2022-01-18
[105] The above-described examples show only a few methods of execution of the present invention, and its descriptions are comparatively specific and detailed;
however, the foregoing is not to be construed as a limitation of the scope of the disclosure. It should be noted that various modifications and improvements can be made by those skilled in the field without departing from the inventive concept, which belong to the protected scope of the present application. Accordingly, the protected scope of the present application should be measured by the appended claims.
Date Recue/Date Received 2022-01-18
however, the foregoing is not to be construed as a limitation of the scope of the disclosure. It should be noted that various modifications and improvements can be made by those skilled in the field without departing from the inventive concept, which belong to the protected scope of the present application. Accordingly, the protected scope of the present application should be measured by the appended claims.
Date Recue/Date Received 2022-01-18
Claims (29)
1. A network transaction information processing system for an ecommerce transaction, the system comprising:
a first terminal, configured to:
input an identifier of an information certificate into a server for a purchasing commodity/service process of the ecommerce transaction, wherein each information certificate corresponds to one piece of product; and deliver a transaction command via a transaction webpage to the server when a purchasing decision is made;
the server, configured to:
display the transaction webpage to the first terminal for the purchasing commodity/service process of the ecommerce transaction, when receiving the identifier of the information certificate from the first terminal, wherein the transaction webpage is corresponding to the information certificate according to the identifier; and obtain an electronic payment certificate corresponding to the first terminal when receiving the transaction command from the first terminal, wherein the electronic payment certificate includes a pre-set payment condition, wherein the electronic payment certificate corresponds to a frozen payment amount equal to a payment amount of the transaction command, and wherein the pre-set payment condition is a condition for transferring the frozen payment amount to the information certificate.
Date Recue/Date Received 2023-02-22
a first terminal, configured to:
input an identifier of an information certificate into a server for a purchasing commodity/service process of the ecommerce transaction, wherein each information certificate corresponds to one piece of product; and deliver a transaction command via a transaction webpage to the server when a purchasing decision is made;
the server, configured to:
display the transaction webpage to the first terminal for the purchasing commodity/service process of the ecommerce transaction, when receiving the identifier of the information certificate from the first terminal, wherein the transaction webpage is corresponding to the information certificate according to the identifier; and obtain an electronic payment certificate corresponding to the first terminal when receiving the transaction command from the first terminal, wherein the electronic payment certificate includes a pre-set payment condition, wherein the electronic payment certificate corresponds to a frozen payment amount equal to a payment amount of the transaction command, and wherein the pre-set payment condition is a condition for transferring the frozen payment amount to the information certificate.
Date Recue/Date Received 2023-02-22
2. The system of claim 1, wherein the server is further configured to:
retrieve corresponding data in the information certificate according to the identifier for the purchasing commodity/service process of the ecommerce transaction;
generate the transaction webpage by the retrieved data in the information certificate according to the identifier; and pop-up the transaction webpage via an Asynchronous JavaScript and XML
technology for displaying to the first terminal.
retrieve corresponding data in the information certificate according to the identifier for the purchasing commodity/service process of the ecommerce transaction;
generate the transaction webpage by the retrieved data in the information certificate according to the identifier; and pop-up the transaction webpage via an Asynchronous JavaScript and XML
technology for displaying to the first terminal.
3. The system of claim 1 further includes:
a second terminal configured to deliver a request for generating the information certificate and input the corresponding data to the server for the purchasing commodity/service process of the ecommerce transaction; and the server configured to generate and issue the corresponding information certificate using the corresponding data, wherein the information certificate includes the corresponding identifier.
a second terminal configured to deliver a request for generating the information certificate and input the corresponding data to the server for the purchasing commodity/service process of the ecommerce transaction; and the server configured to generate and issue the corresponding information certificate using the corresponding data, wherein the information certificate includes the corresponding identifier.
4. The system of claim 3, wherein the server is further configured to map the identifier of the information certificate into a point in a pre-set array using a hash function to determine whether the corresponding value of the mapped point is true.
Date Recue/Date Received 2023-02-22
Date Recue/Date Received 2023-02-22
5. The system of claim 4, wherein if the corresponding value of the mapped point is true, which means that the identifier of the information certificate inputted by the first terminal is valid.
6. The system of claim 5, wherein the valid identifier of the information certificate is a prerequisite for retrieving corresponding data.
7. The system of any one of claims 3 to 6, wherein the first terminal is further configured to deliver a query request of the information certificate.
8. The system of any one of claims 3 to 6, wherein the second terminal is further configured to deliver a query request of the information certificate.
9. The system of any one of claims 3 to 8, wherein the server is further configured to display a query result corresponding to the information certificate according to the query request from the first terminal or the second terminal.
10. The system of any one of claims 3 to 9, wherein the first terminal is communicatively connected to the server via a network.
11. The system of any one of claims 3 to 10, wherein the second terminal is communicatively connected to the server via the network.
12. The system of any one of claims 1 to 11, wherein the corresponding data in the information certificate includes product information.
13. The system of any one of claims 1 to 12, wherein the corresponding data in the information certificate includes trading information.
Date Recue/Date Received 2023-02-22
Date Recue/Date Received 2023-02-22
14. The system of any one of claims 1 to 13, wherein the information certificate is stored on the server.
15. The system of any one of claims 1 to 13, wherein the information certificate is stored on a cloud database accessible to the server.
16. The system of any one of claims 1 to 15, wherein the first terminal is configured a buyer.
17. The system of claim 3, wherein the second terminal is configured a seller.
18. The system of any one of claims 1 to 17, wherein the transaction webpage includes a product name.
19. The system of any one of claims 1 to 18, wherein the transaction webpage includes a product price.
20. The system of any one of claims 1 to 19, wherein the transaction webpage includes a product image.
21. The system of any one of claims 1 to 20, wherein the transaction webpage includes the identifier.
22. The system of any one of claims 1 to 21, wherein the transaction webpage includes collecting payment information.
23. The system of any one of claims 1 to 22, wherein the transaction webpage includes delivery information.
Date Recue/Date Received 2023-02-22
Date Recue/Date Received 2023-02-22
24. The system of any one of claims 1 to 23, wherein the electronic payment certificate is issued by a bank according to funds balance in a buyer's bank account as a credit guarantee.
25. The system of any one of claims 1 to 23, wherein the electronic payment certificate is issued by a bank according to line of credit in a buyer's bank account as a credit guarantee.
26. The system of any one of claims 1 to 25, wherein the electronic payment certificate includes a buyer bank account information.
27. The system of any one of claims 1 to 26, wherein the electronic payment certificate includes a buyer's default address for receiving product.
28. The system of any one of claims 1 to 27, wherein the electronic payment certificate and the information certificate are issued by the same bank.
29. The system of any one of claims 1 to 27, wherein the electronic payment certificate and the information certificate are issued by different banks.
Date Recue/Date Received 2023-02-22
Date Recue/Date Received 2023-02-22
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| CA3110785A CA3110785C (en) | 2015-04-30 | 2015-04-30 | Network transaction information processing method and system |
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| CA3110785A1 CA3110785A1 (en) | 2016-11-03 |
| CA3110785C true CA3110785C (en) | 2023-06-27 |
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| CN111679967B (en) * | 2020-04-27 | 2023-04-21 | 贝壳技术有限公司 | Method and device for displaying transaction list for testing |
| CN114677138A (en) * | 2021-05-19 | 2022-06-28 | 腾讯云计算（北京）有限责任公司 | Data processing method, data processing equipment and computer readable storage medium |
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| US9361396B2 (en) * | 2008-01-31 | 2016-06-07 | Microsoft Technology Licensing, Llc | Adaptation of display pages for client environments |
| CN101895528B (en) * | 2010-05-19 | 2013-02-13 | 大连新中连软件集团有限公司 | System and method for realizing graphical user interface |
| CN103106576A (en) * | 2011-11-15 | 2013-05-15 | 腾讯科技（深圳）有限公司 | Payment method and payment system based on client side and payment client side |
| CN104331217B (en) * | 2014-10-24 | 2018-12-14 | 中国建设银行股份有限公司 | A kind of method for showing interface and device |
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