CA3128342C

CA3128342C - Electronic certificate payment information transmission method, device and system

Info

Publication number: CA3128342C
Application number: CA3128342A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2023-09-19
Anticipated expiration: 2035-07-21
Also published as: CA2994572A1; WO2017012040A1; CA3102025A1; CA3128342A1

Abstract

An electronic certificate payment information transmission method, device and system, belonging to the technical field of Internet finance. The method comprises: after learning that an item has been signed for, a buyer end generates payment information and sends the payment information to a first funds management server; after receiving the payment information, the first funds management server updates the status of a corresponding electronic certificate to a pending payment status and synchronises the status of the electronic certificate to a second funds management server. Via the described solution, during an e-commerce transaction, once the item has been signed for, the buyer end feeds back the payment information to the first funds management server, so that the electronic certificate continues to be valid and smoothly transitions to the next status, thereby ensuring timely electronic certificate payment and funds transferal.

Description

ELECTRONIC CERTIFICATE PAYMENT INFORMATION TRANSMISSION METHOD, DEVICE AND SYSTEM
Technical Field [0001] The present invention relates to the field of Internet finance technology, and in particular, to a method, a device and a system for transferring payment information of an electronic certificate.
Background

[0002] E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informational, thus reducing the cost of the transaction and improving the efficiency of the transaction.
However, in the current E-commerce applications, the transfer of funds mainly depends on the traditional way of electronic direct transfer payment and third-party payment, with a single payment method.

[0003] At present, there is a new type of financial instruments to pay with credit commitments, electronic credit certificate payment relative to the traditional network payment methods, it greatly reducing the transaction risk, protect the interests of buyers and sellers. After the opening of the electronic credit certificate, the validity period is divided into three periods, the time limit is set out in the electronic credit certificate, which are the receipt, performance and the deadline of applying for payment. If the corresponding action is not implemented within the time limit, the electronic credit certificate will be invalid. Therefore, in the process of E-commerce transactions, after the commodity are signed, it is necessary to apply for the Funds-Management server to apply for the information of payment in the application period, and promptly deliver the payment information so as to ensure the validity of the electronic credit certificate and timely transfer of funds, otherwise it is easy to cause the electronic credit certificate invalid and terminate the transaction.
Summary

[0004] In view of this, the technical problem to be solved by the present invention is to provide a method, an device and a system for transmitting payment information of an electronic certificate to solve the technical problem of timely delivery of compliance Date Recue/Date Received 2021-08-16 information and smooth transition to the next stage.

[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, it is provided a method for transferring payment information of an electronic certificate, including the following steps:

[0007] After the buyer terminal is informed of the receipt of the commodity information, payment information is generated, and the payment information is delivered to the first Funds-Management server;

[0008] After receiving the payment information, the first Funds-Management server updates the status of the corresponding electronic certificate to be released, and synchronizes the status of the electronic certificate to the second Funds-Management server.

[0009] According to another aspect of the present invention, it is provided a method for transmitting performance information of an electronic certificate, which is applied to a buyer.
The method includes the following steps:

[0010] The buyer generate the payment information after receiving the receipt information;

[0011] Deliver payment information to the first Funds-Management server.

[0012] According to another aspect of the present invention, it is provided a method for transferring payment information of an electronic certificate, which is applied to a first Funds-Management server. The method includes the following steps:

[0013] After receiving the payment information delivered by the buyer, the status of the corresponding electronic certificate is updated to be released.

[0014] The state of the electronic certificate is synchronized to the second Funds-Management server.

[0015] According to another aspect of the present invention, it is provided an electronic certificate compliance information transmission device applied to a buyer terminal, the device comprising the following modules:

[0016] Acquisition module is set to get the commodity receipt information;

[0017] A generating module used to generate payment information after it is informed of the receipt of the commodity;

[0018] A delivering module is set to deliver the payment information to the first Funds-Management server.

Date Recue/Date Received 2021-08-16

[0019] According to another aspect of the present invention, it is provided an electronic certificate settlement information transmission device applied to a first Funds-Management server. The device includes the following modules:

[0020] A receiving module is set to receive the buyer to deliver the payment information;

[0021] The status updating module is used to after receiving the payment information delivered by the buyer, the status of the corresponding electronic certificate is updated to be released;

[0022] The status synchronization module is used to synchronize the state of the electronic certificate to the second Funds-Management server.

[0023] According to another aspect of the present invention, it is provided a settlement information transmission system including:

[0024] The buyer terminal is used to generate payment settlement information after learning that the commodity are received, and deliver the payment settlement information to the first Funds-Management server;

[0025] The first Funds-Management server is used to, after receiving the payment information, update the status of the corresponding electronic certificate to be released, and synchronize the status of the electronic certificate to the second Funds-Management server.

[0026] A method, a device, and a system for releasing payment information of an electronic certificate provided in the examples of the present invention are provided. When an item is received during the E-commerce transaction, the buyer returns feedback information to the first Funds-Management server, so that the electronic certificate can be continuously and effectively transferred to the next state, so as to ensure that the electronic certificate can be paid in a timely manner.
Brief Description of the Drawings

[0027] Figure 1 is a flowchart of a method for transmitting payment information of an electronic certificate according to a first example of the present invention.

[0028] Figure 2 is a flowchart of a method for transmitting payment information applied to a buyer terminal according to Example 2 of the present invention.

[0029] Figure 3 is a flowchart of a method for transferring payment information of an electronic certificate applied to a first Funds-Management server according to Example 3 of Date Recue/Date Received 2021-08-16 the present invention.

[0030] Figure 4 is a block diagram of a device for transmitting payment information applied to a buyer's electronic certificate according to a fourth example of the present invention.

[0031] Figure 5 is a block diagram of a module for transmitting a solution information of an electronic certificate applied to a first Funds-Management server according to a fifth example of the present invention.

[0032] Figure 6 is a block diagram of a module for transmitting a solution information of an electronic certificate applied to a first Funds-Management server according to a fifth example of the present invention.

[0033] Figure 7 is a structural diagram of an electronic certificate settlement information transmission system according to a sixth example of the present invention.
Detailed Description

[0034] 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.

[0035] In the example of the present invention, the electronic certificate is applied for by the buyer to the funds management institution for the account funds or the credit limit as the deposit. Funds management institution commits to handle the payment certificate of electronic credit commitment in accordance with the payment terms. The electronic certificate is an Internet based financial instrument that is paid by funds management institution credit commitment. It mainly deals with the buyer's commodity. The seller downloads the cashier interface, the buyer completes the issuance of the electronic certificate, the seller completes the collection and performance, at last submitted to pay the solution, and the electronic certificate expires automatically. The electronic certificate can be purchased not only for buying commodity, but also be used for mortgage guarantees. A fund management institution is an institution that can support capital flows, including but not limited to banks and other financial institutions (such as securities institutions). Accordingly, Date Recue/Date Received 2021-08-16 Funds-Management server includes a bank server or other financial institution server.

[0036] In this application, the process of online payment transactions through electronic certificate is roughly as follows: after the buyer and the seller form the order, the buyer applies for issuing the certificate to the first Funds-Management server (the issuing server) through the buyer (the issuing terminal). Of course, the buyer can also take the initiative to apply for a license without a transaction order. After the first Funds-Management server accepts the application, it opens an electronic certificate according to the issuing application and freezes the funds or credit line of the buyer's account for the corresponding amount. After the seller confirms the order, he / she applies to the second Funds-Management server (the server of the funds management institution) via the second client (receiving end), and the second Funds-Management server verifies the information and receives the certificate.
Electronic certificate into compliance period, waiting for the seller to deliver commodity or provide services. After the seller fulfils the contract during the performance period, the second Funds-Management server submits the fulfilment information (such as logistics number), the second Funds-Management server changes the status of the electronic certificate, and the electronic certificate enters the period of receipt and waits for the buyer to sign for the commodity. When the buyer signs the commodity within the period of receipt, that is to say, the seller completes the corresponding transaction conditions according to the settlement conditions of the electronic certificate, and the electronic certificate enters the settlement period. The seller applies for the second Funds-Management server to apply for the settlement to the first Funds-Management server within the time limit for applying for settlement, and after the first Funds-Management server determines that the conditions for the settlement have been reached, the funds or credit of the frozen amount of the buyer's account is released The funds will be transferred to the second Funds-Management server, and the funds will be transferred by the second Funds-Management server into the seller's designated receiving account (i.e., the collecting account). At this point, the completion of online payment, the entire transaction is completed.

[0037] Wherein, after the opening of the electronic certificate, the validity period is divided into three sections, the time limit is stated on the electronic certificate, respectively, the seller receives the certificate, the performance of the deadline for applying for payment, if the corresponding action is not performed, the electronic certificate shall be invalid.
Date Recue/Date Received 2021-08-16

[0038] It should be understood that the above is only a way to use electronic certificate, it also can be used to purchase electronic services. In the purchase of services, such as living in the hotel transaction scenario, the hotel reservation is successful, that is, the hotel undertook a performance. Of course, electronic certificate can also be used to allocate funds. In different situations, the understanding of performance and receipt also changed. In other words, when a merchant provides a commodity or service, the status of the electronic certificate may directly flow through both the compliance period and the receipt period, directly entering the solution, such as face-to-face transactions.

[0039] Example 1

[0040] As shown in Figure 1, a method for transferring payment information of an electronic certificate provided in an example of the present invention includes the following steps:

[0041] S101 . After the buyer terminal is informed of the receipt of the commodity information, payment information is generated, and the payment information is delivered to the first Funds-Management server;

[0042] Specifically, the buyer and the seller conduct transactions through E-commerce, the buyer uses the Client as the buyer, and the seller uses the Client as the seller. After the buyer orders the seller through the buyer, the buyer opens the request for issuing the electronic certificate and delivers it to the first Funds-Management server. The first Funds-Management server requests for freezing the buyer's account after the second Funds-Management server receives the electronic certificate, it notifies the seller that the seller confirms the order through the seller, and the second Funds-Management server receive electronic certificate, and deliver the receipt information to the seller, electronic certificate entered the performance period. After the seller delivered the commodity or provided the services during the performance period, the buyer signs the receipt. Once the buyer has been informed of the receipt of commodity information (such as logistics company receipt and E-commerce platform receipt), generate payment information, and the second Funds-Management server feedback to apply for payment and smoothly enter into the next stage. The buyer can log in to the corresponding webpage or open the corresponding application through the buyer, and then deliver the payment application information to the first Funds-Management server. After the buyer receives the receipt information, the buyer can automatically deliver the solution to Date Recue/Date Received 2021-08-16 the first Funds-Management server information. Wherein, the payment information may include the receipt information and payment conditions, etc., but may also include the buyer's identity information, so as to subsequently verify the identity of the buyer.

[0043] S102: After receiving the payment information, the first Funds-Management server updates the status of the corresponding electronic certificate to be released, and synchronizes the status of the corresponding electronic certificate to the second Funds-Management server.

[0044] In this example of the present invention, delivery of the payment information is completed by the buyer terminal and the first Funds-Management server, and the status of the electronic certificate is modified by the first Funds-Management server and synchronized to the second Funds-Management server, so that the electronic certificate can be continuously and effectively transferred to the next state, so as to ensure that the electronic certificate can be paid in a timely manner.

[0045] Example 2

[0046] As shown in Figure 2, a method for transmitting performance information of an electronic certificate provided in an example of the present invention is applied to a buyer terminal. The method includes the following steps:

[0047] S201. after receiving the receipt information of the commodity, the payment information is generated.

[0048] Specifically, the buyer terminal can know the information of the received commodity online (for example, an E-commerce platform), and can also obtain the information of the received information of the commodity online by the buyer.
Wherein, the receipt information includes but is not limited to the receipt and receipt of the logistics company and the receipt and receipt of the E-commerce platform. The payment information may include the receipt information and settlement conditions, etc., and may further include the buyer's identity information for subsequent verification of the buyer's identity.

[0049] S202, the solution payment information is delivered to the first Funds-Management server.

[0050] Specifically, the buyer can log in to the corresponding webpage or open the corresponding application through the buyer, and then deliver the payment application information to the first Funds-Management server. After the buyer receives the receipt information, the buyer can automatically deliver the solution to the first Funds-Management Date Recue/Date Received 2021-08-16 server information.

[0051] In the example of the present invention, the buyer terminal submits the application settlement information to the first Funds-Management server in time in order to complete the delivery of the settlement information so that the electronic certificate can be effectively and smoothly transitioned to the next state, so as to ensure timely settlement of electronic certificate and transfer of funds.

[0052] Example 3

[0053] As shown in Figure 3, a method for transferring payment information of an electronic certificate according to an example of the present invention is applied to a first Funds-Management server. The method includes the following steps:

[0054] S301, the payment information delivered by the buyer is received.

[0055] S302: Verify the buyer's identity, and if the verification is passed, execute step S303; otherwise, go to step S306.

[0056] Specifically, this step is a preferred step set for further improving the security of the transaction. Wherein, the buyer's identity verification information can be achieved by mobile phone dynamic code or by electronic signature. Mobile phone dynamic code is the use of mobile phone as a random password to generate or accept the terminal, mobile phone dynamic code is a one-time effective password security measures, and it can greatly enhance the user authentication or transaction security.

[0057] S303, the authenticity of the electronic certificate is verified, if the verification is passed, step S304 is executed; otherwise, step S306 is followed.

[0058] S304: Update the status of the corresponding electronic certificate to be released.

[0059] S305, the state of the electronic certificate is synchronized to the second Funds-Management server.

[0060] S306, end the process.

[0061] In this example of the present invention, the first Funds-Management server further improves the security of the transaction by verifying the identity of the buyer and the authenticity of the electronic certificate.

[0062] Example 4

[0063] As shown in Figure 4, an electronic certificate solution information transmission device provided in an example of the present invention is applied to a buyer terminal, and the Date Recue/Date Received 2021-08-16 device includes the following modules:

[0064] The acquisition module 101 is used to obtain the commodity receipt information.

[0065] Specifically, the acquisition module 101 may obtain the information of the received commodity on line (such as an E-commerce platform), or may directly receive the incoming information of the purchased items. Wherein, the receipt information includes but not limited to the logistic receipt of the logistics company and the receipt of the E-commerce platform.

[0066] The generating module 102 is used to generate payment information after it is informed of the receipt of the commodity.

[0067] Specifically, the payment information may include the receipt information and payment conditions, etc., but also may include the buyer's identity information, so as to subsequently verify the identity of the buyer.

[0068] The delivering module 103 is used to deliver the payment settlement information to the first Funds-Management server.

[0069] Specifically, the buyer can log in to the corresponding webpage or open the corresponding application through the buyer, and then deliver the payment application information to the first Funds-Management server. After the buyer receives the receipt information, the buyer can automatically deliver the solution to the first Funds-Management server information.

[0070] In this example, the buyer terminal submits the payment information to the second Funds-Management server, so as to complete the delivery of the payment information.

[0071] Example 5

[0072] As shown in Figure 5, the device for transferring payment information of an electronic certificate provided in the example of the present invention is applied to a first Funds-Management server. The device includes a receiving module 201, a status updating module 202, and a status synchronization module 203, wherein:

[0073] The receiving module 201 is used to receive the payment settlement information delivered by the buyer.

[0074] The status updating module 202 is used to after receiving the payment information delivered by the buyer, the status of the corresponding electronic certificate is updated to be released.

[0075] The status synchronization module 203 is used to synchronize the status of the Date Recue/Date Received 2021-08-16 electronic certificate to the second Funds-Management server.

[0076] Please refer to Figure 6, as a preferred solution, the device may further include a verification module 204 which is used to verify the authenticity of the identity verification and / or the electronic certificate after the payment information is received, so as to further improve the transaction security.

[0077] In this example, after the payment information is received by the first Funds-Management server, the status of the electronic certificate is further synchronized to the second Funds-Management server, so as to complete the delivery of the payment information.

[0078] Example 6

[0079] As shown in Figure 7, an electronic certificate settlement information transmission system provided in an example of the present invention includes:

[0080] The buyer terminal 10 is used to generate payment settlement information after learning that the commodity are received, and deliver the payment settlement information to the first Funds-Management server 20;

[0081] Specifically, after the buyer terminal 10 can obtain the receipt information of the commodity online (such as an E-commerce platform), the buyer may also directly input the receipt information. Wherein, the receipt information includes but not limited to the logistic receipt of the logistics company and the receipt of the E-commerce platform.
The generated the payment information may include the receipt information and payment conditions, etc., but may also include the buyer's identity information, so as to subsequently verify the identity of the buyer. The buyer can log in to the corresponding webpage or open the corresponding application through the buyer, and then deliver the payment application information to the first Funds-Management server. After the buyer receives the receipt information, the buyer can automatically deliver the solution to the first Funds-Management server information.

[0082] The first Funds-Management server 20 is used to, after receiving the payment information, update the status of the corresponding electronic certificate to be released, and synchronize the status of the electronic certificate to the second Funds-Management server.

[0083] As a preferred example, in order to prevent and correct abnormalities or tampering of the delivery information in the delivery process, the first Funds-Management server 20 is Date Recue/Date Received 2021-08-16 also used to: after receiving the payment settlement information, the payment settlement information is delivered to the second Funds-Management server.

[0084] As another preferred example, in order to further improve the security of the transaction, the first Funds-Management server 20 is further configured to:
after the payment information is received, perform identity authentication. For example, the identity information of the buyer is verified. Wherein, the buyer's identity verification information can be achieved by mobile phone dynamic code or by electronic signature.
Mobile phone dynamic code is the use of mobile phone as a random password to generate or accept the terminal, mobile phone dynamic code is a one-time effective password security measures, and it can greatly enhance the user authentication or transaction security.

[0085] As a further preferred example, in order to prevent the electronic certificate information from being tampered with, the first Funds-Management server is also set to verify the authenticity of the electronic certificate after receiving the payment information.

[0086] It should be noted that, the foregoing method examples, device, and system examples belong to the same technical concept. Therefore, the technical features in the method example 1, the example 2, and the example 3 are the same in the device example 4 and the example 5, and the sixth example of the system is applicable and will not be repeated here.

[0087] A method, a device, and a system for releasing payment information of an electronic certificate provided in the examples of the present invention are provided. When an item is received during the E-commerce transaction, the buyer returns feedback information to the first Funds-Management server, so that the electronic certificate can be continuously and effectively transferred to the next state, so as to ensure that the electronic certificate can be paid in a timely manner.

[0088] 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.

[0089] 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 Date Recue/Date Received 2021-08-16 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

[0090] A method, a device, and a system for releasing payment information of an electronic certificate provided in the examples of the present invention are provided. When an item is received during the E-commerce transaction, the buyer returns feedback information to the first Funds-Management server, so that the electronic certificate can be continuously and effectively transferred to the next state, so as to ensure that the electronic certificate can be paid in a timely manner. Therefore, it has industrial applicability.

Date Recue/Date Received 2021-08-16

Claims

Claims:

1. A computer device for electronic certificate payment information transmission in electronic transaction, the method comprising:
a receiving module configured to receive payment information delivered by a buyer terminal, when the electronic certificate is valid within a pre-set time limit for performing an order, wherein the payment information of the electronic certificate is generated after being informed of receipt of commodity information corresponding to the order, wherein the payment information of the electronic certificate includes information of the receipt of the commodity information and payment conditions, and further includes buyer's identity information, wherein the electronic certificate is issued by a first Funds-Management server according to an issuing application by the buyer terminal and an amount of funds or credit line in a buyer's account frozen by the first Funds-Management server;
a status updating module configured to, where if the buyer's identity information has been successfully identified and the electronic certificate has been successfully authenticated, update the electronic certificate in a to-be-released state; and a status synchronization module configured to synchronize the to-be-released state of the electronic certificate to a second Funds-Management server, so as to ensure the electronic certificate enters into a settlement period to complete payment transfer for the order within the pre-set time limit, wherein the settlement period includes: determining that payment conditions have been reached when receiving a settlement requested by a seller through the second Funds-Management server, releasing the frozen amount of funds or credit line in a buyer's account to transfer into a seller's designated receiving account through the second Funds-Management server.

2. The device of claim 1 further includes a verification module.

Date Regue/Date Received 2023-01-13

3. The device of claim 2, wherein the verification module is further configured to perform identity verification and / or verification of the electronic certificate for improving transaction security after receiving the payment information.

4. The device of any one of claims 2 to 3, wherein identity verification is achieved by a mobile phone dynamic code.

5. The device of claim 4, wherein the mobile phone dynamic code is a one-time effective password security measure generated randomly via a mobile phone.

6. The device of any one of claims 2 to 3, wherein identity verification is achieved by an electronic signature.

7. The device of claim 1, wherein the payment information includes receipt information.

8. The device of claim 7, wherein the receipt information includes receipt for delivery completion from a logistics company.

9. They device of any one of claims 7 to 8, wherein the receipt information includes receipt for delivery completion from an electronic commerce platform.

10. The device of any one of claims 1 to 9, wherein the payment information includes payment conditions.

11. The device of any one of claims 1 to 10, wherein the payment information includes buyer's identity information, so as to subsequently verify the identity of the buyer.

12. The device of any one of claims 1 to 11, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.

13. The device of claim 12, wherein the Funds-Management institution is an institution that can support capital flows.

14. The device of any one of claims 12 to 13, wherein the Funds-Management institution includes a bank.

15. The device of any one of claims 12 to 13, wherein the Funds-Management institution includes a financial institution.

Date Regue/Date Received 2023-01-13

16. The device of claim 1, wherein the second Funds-Management server includes a bank server.

17. The device of claim 1, wherein the second Funds-Management server includes a financial institution server.
Date Regue/Date Received 2023-01-13