Note: Descriptions are shown in the official language in which they were submitted.
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Title: NETWORK TRANSACTION PAYMENT METHOD AND SYSTEM
Technical Field
The present invention relates to the field of computer technology, and
particularly to a network
transaction payment method and system.
Background Technology
With the development of the Internet, communication between people and the
network is
becoming more and more closely, e-commerce has gradually become the main trend
of Internet
economic development. On-line consumption has gradually become a way of life,
because
merchants and users fail to achieve face-to-face payment settlement, so the
most critical part of
e-commerce is to reduce the transaction risk of buyers and sellers. At
present, the traditional
network payment adopts the form of a third party payment company guarantee,
the buyer (the
payer) will pay the funds to the third party platform which will transfer the
funds to the account of
the seller (receiving side). However, if the form of third-party payment
company guarantee is
applied to the payer (the buyer), before the goods are received, the funds
have already been paid to
the third party payment company, once the third party payment company has
problems, the payment
side of the funds fail to be guaranteed, the receiving side (the seller) has
shipped the goods, the
payment for goods fail to be guaranteed, the traditional network payment
method leads to the high
incidence of network transaction risk of funds.
Summary of the invention
Based on this, it is necessary to provide a kind of network transaction
payment method and
system which can reduce the risk of network transaction due to the above
technical problems.
A kind of network transaction payment method includes:
The first terminal transmits the credit certificate and the purchase
information data packet to
the second terminal;
The second terminal parses the purchase information data packet to obtain the
payment amount
and determines whether the payment amount is less than or equal to the
issuance amount
corresponding to the said credit certificate, and if so, sends the receiving
request including the
payment amount and the credit certificate to the second server;
The second server sends a payment request containing the credit certificate
and the payment
amount to the first server;
The second server receives the paying certificate sent by the second terminal,
the paying
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certificate contains the corresponding payment for goods and sends the paying
certificate to the first
server;
The first server verifies the legitimacy of the paying certificate, after the
verification is
successful, according to the credit certificate, the payment of funds for the
goods corresponding to
the payment account shall be de-blocked;
The first server transfers the said funds to the pre-set receiving account
through the second
server.
In one of the examples, before the second server receives the paying
certificate sent by the
second terminal. Also includes:
The first terminal transmits the confirmed receipt information for the signed
goods to the
second terminal;
And the second terminal generates a corresponding paying certificate based on
the said
confirmed receipt information.
In one of the examples, before the second server receives the paying
certificate sent by the
second terminal, the second server also includes:
The second terminal receives the logistics information corresponding to the
merchandise
returned by the logistics server and generates the corresponding paying
certificate according to the
logistics information.
In one of the examples, before the first terminal transmits the credit
certificate and the
purchased information data packet to the second terminal, further comprising:
The first terminal sends the issuing request to the first server, the issuing
request includes the
payment account number and the issuing amount;
The first server will freeze the funds of the issuing amount corresponding to
the said payment
account number; if the freezing is succeeded, the credit certificate
corresponding to the issuing
amount will be generated, and the said credit certificate shall be returned to
the first terminal; if the
freezing is failed, the issuing failure information will be generated, and the
said issuing failure
information shall be returned to the first terminal.
In one of the examples, after the second server sends a payment request
containing the credit
certificate and the payment amount to the first server, the second server also
includes:
The first server verifies whether the credit certificate is consistent with
the credit certificate
returned to the first terminal and, if so, updates the amount of the issuance
of the credit certificate to
the amount obtained by the amount of the issuing amount minus the payment
amount.
In one of the examples, after the first server updates the issuing amount
corresponding to the
credit exemption to the amount of the issuing amount minus the payment amount,
the first server
further includes:
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If the first server fails to receive the paying certificate sent by the second
server within the
pre-set time range, the issuance amount of the updated credit certificate is
restored to the amount of
the issuance before the update.
A kind of network transaction payment method includes:
The first server receives the first terminal to send the issuing request, and
the issuing request
includes the payment account number and the issuing amount;
The first server will freeze the funds of the issuing amount corresponding to
the said payment
account number; if the freezing is succeeded, the credit certificate
corresponding to the issuing
amount will be generated, and the said credit certificate shall be returned to
the first terminal; if the
freezing is failed, the issuing failure information will be generated, and the
said issuing failure
information shall be returned to the first terminal.
The first server receives a payment request including a paying certificate and
a credit
document sent by the second server, the paying certificate includes a
corresponding payment;
The first server verifies the legitimacy of the paying certificate, after the
verification is
successful, according to the credit certificate, the payment of funds for the
goods corresponding to
the payment account shall be de-blocked;
The first server transfers the said funds to the pre-set receiving account
through the second
server.
In one of the examples, after the first server receives the steps of the
payment request
containing the paying certificate and the credit certificate sent by the
second server, the first server
also includes:
The first server verifies whether the credit certificate corresponds to the
credit certificate
returned to the first terminal, if so, the credit certificate corresponded
issuing amount will be
updated to the amount that the issuing amount minus payment amount.
In one of the examples, after the first server updates the issuing amount
corresponding to the
credit certificate to the amount obtained by using the issuing amount minus
the payment amount,
the first server further includes:
If the first server fails to receive the paying certificate sent by the second
server within the
pre-set time range, the issuance amount of the updated credit certificate is
restored to the amount of
the issuance before the update.
A kind of network transaction payment system, and the said system comprising:
The first terminal for transmitting the credit certificate and the purchased
information data
packet to the second terminal;
The second terminal for parsing the purchased information data packet to
obtain a payment
amount and determining whether the payment amount is less than or equal to the
issuance amount
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corresponding to the credit certificate, and if so, sending receiving request
including the said
payment amount and the said credit certificate to the second server.
The second server for transmitting a payment request including the said credit
certificate and
the payment amount to the first server to receive a paying certificate sent by
the second terminal,
the paying certificate containing a corresponding payment for goods, and based
on the payment
request, the paying certificate and the credit certificate shall be sent to
the first server.
The first server verifies the legitimacy of the paying certificate, after the
verification is
successful, according to the credit document, the payment account
corresponding to the payment of
funds for the goods shall be de-blocked;
In one of the examples, the first terminal is further configured to transmit
the purchase
information data packet containing the confirmed receipt information of the
signed goods to the
second terminal;
And the second terminal is further configured to generate a corresponding
paying certificate
based on the confirmation receipt information.
In one of the examples, the second terminal is further configured for the
second terminal to
receive the logistics information corresponding to the merchandise returned by
the logistics server
and generate the corresponding paying certificate based on the logistics
information.
In one of the examples, the first terminal is further configured to send an
issuing request to a
first server, the issuing request comprising a payment account number and an
issuing amount;
The first server is also used to freeze the funds corresponding to the payment
amount of the
payment account, and if the freeze is successful, the credit certificate
corresponding to the issuing
amount is generated and the credit document is returned to the first terminal.
If the freeze fails, the
issuing failure message is generated and the issuing failure message is
returned to the first terminal.
In one of the examples, the first server is further configured to verify that
the credit certificate
coincides with the credit certificate that returned to the first terminal, and
if so, the amount of the
issuing amount corresponding to the credit certificate is updated to the
amount obtained by the
issuing amount minus the payment amount.
In one of the examples, the first server is further configured to restore the
issuing amount
corresponding to the updated credit certificate to the pre-update issuance
amount if the paying
certificate sent by the second server is not received within the pre-set time
range.
For above-mentioned network transaction payment method and system, the first
terminal
corresponds to the buyer, and the buyer has received a credit certificate
before purchasing the
goods, the credit certificate provides guarantee for the buyer to make payment
for the goods,
ensures the security of the seller for receipt, and makes the seller of the
second terminal be at ease;
before the buyer corresponding to the first terminal completes the
transaction, the funds in the
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payment account is not paid, the funds security of the buyer is guaranteed.
The network transaction
payment between the above-mentioned methods and systems do not rely on third-
party payment
platform to achieve, and it improves the financial security of on-line
transactions.
Brief Description
Figure 1 is a flowchart of a network transaction payment method in one
example;
Figure 2 is an application scene diagram of a network transaction payment
method in one
example;
Figure 3 is a flowchart of a network transaction payment method in one
example;
Figure 4 is a flow chart of a network transaction payment method after a Step
in which the first
server receives a payment request including a paying certificate and a credit
certificate sent by a
second server in one example;
Figure 5 is a schematic diagram of a structure of a network transaction
payment system in one
example;
Description of the Preferred Examples
The present invention will be described in further detail with reference to
the accompanying
drawings and the accompanying examples, so as to describe the invention
purposes, technical
solutions and advantages more clearly. 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.
One of the innovations of the examples of the present invention is that, in
conjunction with the
freeze payment of the silver letter of credit, a new payment model is
implemented, through which
the buyer can contain the seller's transaction progress, and by this setting,
the buyer's financial
security at the same time to urge the seller to actively deliver, set the
conditions in the various
stages of payment, reduce the funds to recover the process to solve the
problem of the end of the
problem, from the system level to ensure that buyers and sellers of the
integrity of the transaction.
As shown in Figure 1, in one example, there is provided a network transaction
payment
method comprising the steps of:
In Step 102, the first terminal transmits the credit certificate and the
purchase information data
packet to the second terminal.
The first terminal is suitable for the payment party in the payment of the
network transaction.
The second terminal is suitable for the seller in the network transaction. In
one example, the buyers
and sellers complete the network transaction through the online shopping
platform. The credit
certificate is a kind of electronic certificate for handling payment and
settlement that the buyer uses
the corresponding funds of his payment account to guarantee the payment for
goods. Specifically,
the credit certificate corresponds to a string of specific serial numbers,
which act as unique
identifiers of the credit certificate. The payment account includes a bank
account number or the
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third party's payment account.
The first terminal generates a shopping order based on the merchandise
shopping information
submitted by the user and calculates the amount of payment required for the
purchase of the order
item, and further generates the purchase information data packet according to
the purchase order
and the payment amount. The first terminal sends the purchase information data
packet together
with the credit certificate to the second terminal to realize the buyer's
request to purchase the
merchandise from the seller.
In one example, the network transaction payment method also includes: the
first terminal sends
an issuing request to the first server before the first terminal transmits the
credit certificate and the
purchase information data packet to the second terminal in Step 102. The
issuing request includes
payment account and issuing amount; The first server freeze the funds of the
issuing amount
corresponding to the payment account, if the freezing is succeeded, the
issuing amount
corresponded credit certificate will be generated; the credit certificate will
be returned to the first
terminal; if the freezing is failed, the issuing certificate failure
information will be generated, and
the issuing certificate failure information will be returned to the first
terminal.
The buyer in advance before the network transaction out of the credit
certificate, through the
advance payment account corresponding to the funds to show the seller to the
buyer has the ability
to pay the purchase price. In the present example, the first server is
provided with a payment
account by the buyer to pay the payment, and the buyer can freeze the payment
account
corresponding to the payment through the first server and automatically
transfer the payment
account of the seller to the payment to be paid.
The amount of credit is the credit limit of the credit certificate, for
example, the amount of
5,000 RMB, out of the credit certificate can be used as a purchase of 5,000
RMB of goods credit
guarantee. The funds of the credit certificate corresponding to the issuing
amount are not diverted
before they are unfrozen. To ensure that the seller to recover the security of
the purchase price.
In one example, the first terminal establishes a connection with the first
server over the
network. The issuing request also contains the user name and user password of
the payment
account. The first server verifies whether the buyer has permission to open
the credit by checking
the user name and the user password. In one example, the reason for the
failure of the issuance
request includes that the amount corresponding to the payment account is less
than the amount of
the issuing or the legitimacy verification of the first server to the issuing
request, etc. If the first
server will not be able to generate the credit certificate, it will issue a
failure message to the first
terminal to remind the buyer.
In Step 103, the second terminal parses the purchase information data packet
to obtain the
payment amount and determines whether the payment amount is less than or equal
to the amount of
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the issuance corresponding to the credit certificate. If so, the process
proceeds to Step 104, if not.
In the present example, the second terminal, after receiving the shopping data
packet, further
judges whether the buyer has sufficient funds to pay for the purchased goods.
In the present
example, if it is determined whether or not the payment amount is equal to or
less than the amount
of the issuance corresponding to the credit certificate, if it is, the buyer's
frozen funds are sufficient
to pay the purchase of the merchandise network transaction, and the process
proceeds to Step 104.
If not, then the buyer to freeze the lack of funds to pay for the purchase of
goods The network
transactions failed, buyers can choose to buy other goods or exit the shopping
platform.
In Step 104, the second terminal transmits a payment request including the
payment amount
and the credit certificate to the second server.
The second server is connected with the second terminal through the network,
the second
server is provided with the receiving account of the buyer, and the second
server is used to transfer
the payment of the purchased goods paid by the buyer into the receiving
account, and in one
example, the second server is pre-set with the account number. After the
seller receives the buyer's
shopping request, further, the second terminal sends a payment request to the
second server, and the
second server requests payment from the first server to the first server.
In Step 105, the second server sends a payment request containing the credit
certificate and the
payment amount to the first server.
In the present example, when the second server receives the receiving request
sent by the
second terminal, the second server transmits the payment request to the first
server according to the
receiving request, that is, to notify that the first server credit certificate
corresponded the issuing
amount shall be used for payment for goods in on-line transactions. During the
course of a network
transaction, the funds for the corresponding amount of the credit will not be
diverted.
In one example, on the right of Step 105, the method also includes: whether
the first server
verifies if the credit certificate is consistent with the credit certificate
returned to the first terminal
and, if so, updates the issuing amount corresponding to the credit certificate
shall be updated to the
amount that the issuing amount minus the payment amount.
The first server judges whether the credit document sent by the second server
is generated by
itself, and if so, the credit certificate is legally valid. As the credit card
corresponding to the amount
of the amount of funds has been partially or all will be used to pay the
payment, and further credit
card corresponding to the amount of funds to make the appropriate adjustments,
by issuing the
amount minus the amount of payment to reset the corresponding credit
certificate The amount of the
buyer to facilitate the next shopping, to avoid buyers after the purchase of
credit certificate
corresponding to the amount of money to pay all the money.
In one example, after the first server updates the issuing amount
corresponding the credit
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certificate to the amount that the issuing amount minus the payment amount,
the method also
includes:
If the first server fails to receive the paying certificate sent by the second
server within the
pre-set time range, the issuance amount of the updated credit certificate is
restored to the amount of
the issuance before the update.
In the present example, the network transaction process is limited to the pre-
set time range,
that is, the time from the order of the buyer to the seller to the buyer's
receipt is set within the
pre-set time range. If the first server does not receive the receipt document
sent by the second server
within the pre-set time range, the default network transaction has been
suspended for some reason.
For example, the unqualified buyer refused to sign or the buyer and the seller
reached an agreement
to cancel the network transaction and other reasons. As the buyer has no
obligation to pay the
purchase price, in order not to affect the buyer's next shopping credit
certificate corresponding to
the amount of the amount of recovery back to the amount before the update.
In Step 106, the second server receives the paying certificate sent by the
first terminal, the
paying certificate contains the corresponding payment, and sends the paying
certificate to the first
server.
In the actual network transaction process, the buyer receives the goods and
the seller to send
the goods may be different, resulting in the amount of payment payable may be
different with the
actual amount of payment. For example, the buyer in the seller's shop to buy
five cups, but the
buyer because of which two cups failed to sign only one of the three cups,
paying certificates
corresponding to the money should be three cups of money instead of 5 A cup of
money. The
second terminal generates the paying certificate based on the information of
the network transaction
which the buyer and the seller has completed, and sends the paying certificate
to the second server,
and the second server requests the first server to pay the payment.
In one example, at Step 106, before the second server receives the paying
certificate sent by
the second terminal, the method also includes: the first terminal transmits
the confirmed receipt
information of the signed goods to the second terminal; the second terminal
generates the
corresponding paying certificate as per the confirmed receipt information.
In the present example, the buyer may voluntarily send to the seller a receipt
information
confirming that the goods have been checked, and the buyer, by clicking on the
merchandise by the
first terminal on the shopping platform, confirms the goods receipt, and
further triggering the first
terminal and transmits the confirmation receipt information to the second
terminal. The second
terminal generates the paying certificate based on the confirmation receipt
information.
In another example, at Step 106, the second server receives the paying
certificate sent by the
second terminal, the method further comprising:
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The second terminal receives the logistics information corresponding to the
merchandise
returned by the logistics server and generates the corresponding paying
certificate according to the
logistics information.
In the present example, when the buyer sends the issuing request through the
first terminal, the
payment is set by the credit document, and the payment is made in accordance
with the logistics
information of the merchandise. The merchandise's logistics information will
be recorded in the
logistics server, for example, when the goods are received by the consignee,
the logistics company's
staff will be the goods have been signed information into the logistics
server, which has signed the
information, including the recipient's signature and Sign time and other
information.
The logistics server realizes the logistics information of the goods to the
second terminal in
real time, and the logistics information obtained by the second terminal
conforms to the pre-set
condition, that is, the corresponding paying certificate is generated
according to the logistics
information. For example, the logistics server records the logistics
information that the seller
completed the delivery task, the generated paying certificate requires the
buyer to pay part of the
purchase price, when the logistics server records the logistics information
that the buyer has signed
the goods, the generated paying certificates need to buy Home to pay the
remaining payment.
The first server according to the logistics information of the goods in
batches to pay the credit
corresponding to the funds, the goods will be divided into multiple stages of
payment, you can
encourage the seller to actively fulfil the obligations of the implementation
of the contract to ensure
that the buyer's funds at the same time urge the seller active Delivery, to
achieve the integrity of
buyers and sellers transactions.
In one example, the logistics server sends the logistics number corresponding
to the goods
after shipment to the first terminal and the second terminal to facilitate the
transaction tracking of
the buyers and sellers to the purchased goods.
In Step 107, the first server verifies the legitimacy of the paying
certificate, after the
verification is successful, according to the credit certificate, the funds for
payment of the goods
corresponding to the payment account shall be de-blocked.
In Step 108, the first server transfers the funds to the pre-set receiving
account through the
second server.
In the present example, the first server pays the debit amount of the debit
amount
corresponding to the payment account to the pre-set collection account through
the second server,
thereby realizing the payment obligation of the buyer to purchase the goods.
Completed the network
transaction.
In one example, data packets are tampered with in order to prevent data
leakage or encounter
hacking. Data such as purchase information data packets, paying certificates
and credit certificates
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are encrypted during the transmission process, that is, the above data packets
contain the encryption
section. Specifically, the above data contains the encryption section using
the MAC algorithm for
encryption.
The above-mentioned network transaction payment method, the first terminal
corresponded
buyer has already obtained the credit certificate before he purchase the
goods, the credit certificate
provides guarantee for the buyer to make payment for the goods, ensures
seller's gathering security,
and makes the seller be ease to make delivery. Before the first terminal
corresponded the buyer
completes the transaction, the fund of the payment account will not pay out.
The security of the
buyer is guaranteed. The above method of network transaction payment is
achieved without relying
on the third-party payment platform, and it improves the funds security of on-
line transactions. At
the same time, the payment for goods within the payment account of the buyer
does not have to pay
in advance, in case the seller did not complete the delivery, the payment for
goods can gain interest
in the corresponding account of the payment account, which increases the funds
gains of the buyer.
As shown in picture 2. In one example, the buyer A issues an issuing request
for a 5,000 RMB
credit certificate to the first server 22 through the first terminal 21, and
the first server 22 will freeze
the deposit amount of 5,000 RMB in the payment account and will generate the
credit certificate
with a value of 5,000 and return the first terminal 21. On the shopping
platform, the buyer A goes
into the seller B's e-shop to buy goods, but the purchased goods must be less
than or equal to 5,000
RMB so as to achieve the transaction. The payment for goods purchased by the
buyer A is
guaranteed by the 5,000 RMB credit guarantee. After the buyer and the seller
have reached a deal
agreement, the seller B arranges the logistics company to send the goods. The
logistics company
records the logistics information of the merchandise into the logistics server
25, the logistics server
25 returns the logistics information to the second terminal 23, the second
terminal 23 generates the
corresponding paying certificate, and the second terminal 23 transmits the
paying certificate to the
second server 24, the second server 24 sends a paying certificate and a credit
certificate request
payment for goods to the first server 22, the first server 22 de-blocks the
funds in the payment
account according to the credit certificate, and transfers the funds to the
receiving account of the
seller B through the second server 24 so as to complete the network
transaction payment.
In one example, as shown in Figure 3, there is provided a network transaction
payment method
that applies the first server; the method comprises the steps as below:
In Step 302, the first server receives the first terminal to send the issuing
request, and the
issuing request includes the payment account number and the issuing amount.
In Step 304, the first server will freeze the funds corresponding to the
issuing amount of the
payment account number, and if the freezing is successful, the credit
certificate corresponding to the
issuing amount is generated and the credit certificate is returned to the
first terminal. If the freezing
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fails, the issuing failure message generates, and the issuing failure message
will be returned to the
first terminal.
In Step 306, the first server receives the payment request including the
paying certificate and
the credit document sent by the second server, and the paying certificate
contains the corresponding
payment for goods.
In Step 308, the first server verifies the legitimacy of the paying
certificate, after the
verification is successful, according to the credit certificate, the funds for
payment of the goods
corresponding to the payment account shall be de-blocked.
In Step 310, the first server transfers the funds to the pre-set receiving
account through the
second server.
In one example, at Step 310, the first server passes the funds through the
second server to the
pre-set payment account, the method further comprising: the first server
generates a message that
the payment was successful and sends the message that the payment was
successful to the first
terminal.
As shown in Figure 4, in one example, in Step 306, the first server receives
the payment
request containing the paying certificate and the credit certificate sent by
the second server, further
comprising:
In Step 402, the first server verifies whether the credit certificate
corresponds to the credit
certificate returned to the first terminal. If so, then go to Step 404, if
not, then the end.
In Step 404, the amount of the card issuance corresponding to the credit is
updated to the
amount obtained by the amount of the debit amount minus the payment amount.
In one example, in Step 404, after the first server updates the issuing amount
corresponding to
the credit certificate to the amount obtained by the issuing amount minus the
payment amount, and
the method also includes:
In Step 406, when the first server does not receive the paying certificate
sent by the second
server within the pre-set time range, the issuance amount corresponding to the
updated credit
certificate is restored to the amount of the transaction before the update.
As shown in Figure 5, there is provided a network transaction payment system
comprising: a
first terminal, a second terminal, a first server, and a second server,
wherein the first terminal 11 is
connected to the first server 12; the terminal 13 is connected to the second
server 14, the first
terminal 11 is connected to the second terminal 13, and the first server 12 is
connected to the second
server 14. The first terminal 12 is connected to the second server 14,
The first terminal 11 is used for transmitting a credit certificate and a
purchase information
data packet to the second terminal 13. The first terminal 11,
The second terminal 13 is used for parsing the payment amount of the purchase
information
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data packet and determining whether or not the payment amount is equal to or
less than the issuance
amount corresponding to the credit certificate, and if so, sending the payment
request including the
payment amount and the credit certificate to the second server 14 The
The second server 14 is used for sending a payment request including a credit
certificate and a
payment amount to the first server 12, the paying certificate is sent by the
second terminal 13, and
the paying certificate containing a corresponding payment for goods; in
accordance with the
payment request, the paying certificate and the credit certificate are sent to
the first server 12.
The first server 12 verifies the legitimacy of the paying certificate, and
after the verification is
successful, the payment for goods corresponding to the payment account is de-
blocked according to
the credit certificate, and the funds are transferred to the pre-set receiving
account through the
second server 14.
In one example, the first terminal 11 is also used to send the confirmed
receipt information to
which the goods have been signed to the second terminal 13. In one example,
The second terminal 13 is also used to generate the corresponding paying
certificate based on
the confirmation receipt information.
In one example, the second terminal 13 is also used for the second terminal 13
to receive the
logistics information corresponding to the merchandise returned by the
logistics server and generate
the corresponding paying certificate based on the logistics information.
In one example, the first server 12 is also used to generate a message that
the payment was
successful and to send a message that the payment was successful to the first
terminal 11. In one
example,
In one example, the second server 14 is also used to generate a message that
the payment was
successful and send a message that the payment was successful to the second
terminal 13. In one
example,
In one example, the first terminal 11 is also used to send the issuing request
to the first server
12, which includes the payment account and the issuing amount.
In one example, the first server 12 is also used to freeze the funds of the
payment account
corresponding to the issuing amount, and if the freeze is successful, the
credit certificate
corresponding to the issuing amount is generated and the credit certificate is
returned to the first
terminal 11 The freeze fails to generate a fail-off message and returns the
issuing failure message to
the first terminal 11.
In one example, the first server 12 is also used to verify that the credit
certificates are
consistent with the credit certificates returned to the first terminal 11 and,
if so, update the issuing
amount corresponding to the credit certificate to the issuing amount minus the
payment amount
after the amount obtained.
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In one example, the first server 12 is further configured to restore the
payment amount
corresponding to the updated credit certificate to the pre-update issuing
amount if the paying
certificate sent by the second server 14 is not received within the pre-set
time range.
The ordinary technicians in the field that can understand and implement all or
part of the
processes in the above mentioned method of the examples which can be
accomplished by means of
a computer program that can be stored in a computer-readable storage medium.
The program may,
when executed, include flows of all examples as described above. Among them,
said storage
medium can be a magnetic disk, an optical disk, a read-only memory (ROM) or a
random access
memory (RAM), etc.
The characteristics of technology in the above example can be arbitrarily
combined. In order to
simplify the description, it does not describe all the possible combinations
of the various
characteristics of technology in the above examples, however, as long as the
combination of these
characteristics of technology are not conflict, it should be considered in the
scope of this manual
records.
The above-described examples show only a few methods of execution of the
present invention,
and its descriptions are comparatively specific and detailed, however, it can
not to be construed as a
limitation of the scope of the invention patent. It should be noted that
various modifications and
improvements can be made by those skilled in the field without departing from
the inventive
concept, which belong to the protection scope of the present invention.
Accordingly, the protection
scope of patent of the present invention should be measured by the appended
claims.
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