Language selection

Search

Patent 2993033 Summary

Third-party information liability

Some of the information on this Web page has been provided by external sources. The Government of Canada is not responsible for the accuracy, reliability or currency of the information supplied by external sources. Users wishing to rely upon this information should consult directly with the source of the information. Content provided by external sources is not subject to official languages, privacy and accessibility requirements.

Claims and Abstract availability

Any discrepancies in the text and image of the Claims and Abstract are due to differing posting times. Text of the Claims and Abstract are posted:

  • At the time the application is open to public inspection;
  • At the time of issue of the patent (grant).
(12) Patent Application: (11) CA 2993033
(54) English Title: METHOD, SYSTEM, AND APPARATUS FOR ALTERING ELECTRONIC CERTIFICATES AND PROCESSING
(54) French Title: METHODE, SYSTEME ET APPAREIL DE MODIFICATION DE CERTIFICATS ELECTRONIQUES ET TRAITEMENT
Status: Examination Requested
Bibliographic Data
Abstracts

English Abstract

A method, system, and apparatus for altering electronic certificates and processing data exchange. The method for altering an electronic certificate comprises: after receiving over a second money management server an electronic certificate sent by a first money management server, a second terminal sends a request message to the second money management server to change the account of the user of the second terminal (101); wherein, the account of the user of the second terminal is used for receiving unfrozen money of an equivalent value to that of the electronic certificate, the electronic certificate being an electronic certificate of a commitment to payment issued by the first money management server when the user of a first terminal, using the account money or line of credit of said user as a security deposit, makes an application to said first money management server; the second money management server receives the request message, and on the basis of the request message, alters the account information of the user of the second terminal (102). By means of the aforementioned method, the present method enables the user of the second terminal to freely alter the account thereof, such that the manner of receiving payment is more flexible.


French Abstract

L'invention concerne un procédé, un système et un appareil de modification de certificats électroniques et de traitement d'échange de données. Le procédé de modification d'un certificat électronique consiste à : après la réception, sur un second serveur de gestion d'argent, d'un certificat électronique envoyé par un premier serveur de gestion d'argent, envoyer, au moyen d'un second terminal, un message de demande au second serveur de gestion d'argent pour modifier le compte de l'utilisateur du second terminal (101) ; le compte de l'utilisateur du second terminal servant à recevoir de l'argent non gelé d'une valeur équivalant à celle du certificat électronique, le certificat électronique étant un certificat électronique d'un engagement de paiement émis par le premier serveur de gestion d'argent lorsque l'utilisateur d'un premier terminal effectue, au moyen de l'argent de compte ou d'une ligne de crédit dudit utilisateur en tant que dépôt de garantie, une application pour ledit premier serveur de gestion d'argent ; recevoir, au moyen du second serveur de gestion d'argent, le message de demande et, sur la base du message de demande, modifier les informations de compte de l'utilisateur du second terminal (102). Grâce au procédé mentionné ci-dessus, le présent procédé permet à l'utilisateur du second terminal de modifier librement son compte, de sorte que la manière de recevoir un paiement soit plus flexible.

Claims

Note: Claims are shown in the official language in which they were submitted.


The Claims
[Claim 1] A method of changing an electronic certificate, wherein the
method includes:
After receiving the electronic certificate delivered by the first Funds-
Management
server, the second terminal delivers request information for changing the
account
of the second terminal user to the second Funds-Management server.
Wherein, the electronic certificate is an electronic commitment payment
certificate
applied by a first terminal user to a first Funds-Management server and opened
by
a first Funds-Management server with its account funds or credit line as a
deposit,
and the account of the second terminal user is used to receive the funds equal
to
the promised payment amount of the electronic certificate;
The second Funds-Management server receives the request information, and
changes the account information of the second terminal user according to the
request information.
[Claim 2] According to the method in Claim 1, wherein the second Funds-
Management
server receives the request information and changes the account information of
the
second terminal user according to the request information, specifically
include:
The second Funds-Management server receives the requested information and
verifies the state of the electronic certificate. After verification is
passed, the
account information of the second terminal user is changed according to the
requested information.
[Claim 3] According to the method in Claim 1, wherein after the step of
changing the
account information of the second terminal user according to the request
information, the method also includes:
The second Funds-Management server delivers the electronic terminal change
information to the second terminal.
[Claim 4] A method for changing an electronic certificate applied to a
second
Funds-Management server, wherein the method includes:
After receiving the electronic certificate delivered by the first Funds-
Management
server, the second Funds-Management server receives the request message for
changing the account of the second terminal user delivered by the second
terminal.
Wherein, the electronic certificate is an electronic commitment payment
certificate
applied by a first terminal user to a first Funds-Management server and opened
by
a first Funds-Management server with its account funds or credit line as a
deposit,

and the account of the second terminal user is used to receive the funds equal
to
the promised payment amount of the electronic certificate;
The second Funds-Management server receives the request information, and
changes the account information of the second terminal user according to the
request information.
[Claim 5] An electronic certificate changing system, wherein the system
includes a second
terminal and a second Funds-Management server;
After receiving the electronic certificate delivered by the first Funds-
Management
server, the second terminal delivers request information for changing the
account
of the second terminal user to the second Funds-Management server;
Wherein, the electronic certificate is an electronic commitment payment
certificate
applied by a first terminal user to a first Funds-Management server and opened
by
a first Funds-Management server with its account funds or credit line as a
deposit,
and the account of the second terminal user is used to receive the funds equal
to
the promised payment amount of the electronic certificate;
The second Funds-Management server is used to receive the request information,

and change the account information of the second terminal user according to
the
request information.
[Claim 6] An electronic certificate changing device applied to a second
Funds-Management
server, wherein the device includes a receiving module and a processing
module;
The receiving module is used to after receiving the electronic certificate
delivered
by the first Funds-Management server, the second Funds-Management server
receives the request message for changing the account of the second terminal
user
delivered by the second terminal;
Wherein, the electronic certificate is an electronic commitment payment
certificate
applied by a first terminal user to a first Funds-Management server and opened
by
a first Funds-Management server with its account funds or credit line as a
deposit,
and the account of the second terminal user is used to receive the funds equal
to
the promised payment amount of the electronic certificate;
The processing module is used to change the account information of the second
terminal user according to the request information.
[Claim 7] A data interaction processing method, wherein the method
includes:
After receiving the data certificate delivered by the First Server, the second

terminal delivers a request for changing the account of the second terminal to
the
Second Server;
16

Wherein, data certificate is a quantitative tool used by the first terminal as
the
pre-established data association between the data initiator and the First
Server;
The second server receives the request information, and changes the account
information of the second terminal according to the request information.
[Claim 8] A data interaction processing method applied to a Second Server,
wherein the
method includes:
After receiving the data certificate delivered by the First Server, the Second
Server
receives the request message for changing the account of the second terminal
delivered by the second terminal;
Wherein, data certificate is a quantitative tool used by the first terminal as
the
pre-established data association between the data initiator and the First
Server;
The second server receives the request information, and changes the account
information of the second terminal according to the request information.
[Claim 9] A data interaction processing system, wherein the system includes
a second
terminal and a Second Server;
After receiving the data certificate delivered by the First Server, the second

terminal is used to deliver a request for changing the account of the second
terminal to the Second Server;
Wherein, data certificate is a quantitative tool used by the first terminal as
the
pre-established data association between the data initiator and the First
Server;
The Second Server receives the request information, and changes the account
information of the second terminal according to the request information.
[Claim 10] A data interaction processing device applied to a Second Server,
wherein the
device includes a receiving module and a processing module;
The receiving module is used to receive the request for changing the account
of
the second terminal delivered by the second terminal after the Second Server
receives the data certificate delivered by the First Server;
Wherein, data certificate is a quantitative tool used by the first terminal as
the
pre-established data association between the data initiator and the First
Server;
The processing module is used to change the account information of the second
terminal according to the request information.
17

Description

Note: Descriptions are shown in the official language in which they were submitted.


CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
Method, System, And Apparatus For Altering Electronic Certificates And
Processing
[1] [Technical Field]
[2] The present invention relates to the field of electronic commerce, and
in particular, to a
method, system and device for changing electronic certificate and data
interaction.
[3] [Background Technology]
[4] E-commerce has become increasingly widely used in a variety of
commercial trade
activities, the so-called E-commerce is a business operation model that based
on the
browser and server applications helps consumer realize online shopping, online

transactions between merchants and online electronic payments, as well as a
variety of
business activities, trading activities, financial activities and related
integrated service
activities in the commercial trade, and in the Internet open network
environment.
[5] The current online electronic payment or online payment methods mainly
include bank
online banking payment (including credit card payment) and third-party
payment.
However, the credit bottleneck in the settlement process of on-line electronic
payment
(network payment) is always an obstacle in the development process of E-
commerce.
[6] In the current on-line electronic payment method, it is less risky to
guarantee the company
with a third party payment company. However, in the form of guarantee by a
third-party
payment company, when the payer completes the payment operation, the payee
will not be
able to change the payee bank until the payee receives the funds, and the
payee bank
cannot be able to change the receivable bank, and cannot provide the way to
deal with the
change of the receivable bank because of the abnormal situation.
[7] In addition, with the development of Internet technology, especially
mobile Internet
technology, users can use the 2G, 3G, 4G or WiFi mobile devices to transmit
data and
interact with each other. In the process of data interaction, a similar
situation is also
encountered.
[8] [ Summary of the Invention]
[9] The main object of the present invention is to provide a method, system
and device for
changing an electronic certificate and interacting with data so that a second
terminal user
can arbitrarily change an account of receiving target data through a second
terminal,
making it more flexible to receive data in the process of data interaction and
improves the
efficiency of data interaction.

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
[10] One technical solution adopted in the present invention is to provide
a method for changing
an electronic certificate, which includes: after the second terminal receives
the electronic
certificate delivered by the first Funds-Management server, the second Funds-
Management
server delivers request information for changing the account of the second
terminal user.
Wherein, the electronic certificate is an electronic commitment payment
certificate, which
is applied for by the first terminal user to the first Funds-Management server
with its
account funds or credit line as the deposit, and is opened by the first Funds-
Management
server, the account of the second terminal user is used for receiving funds
equal to the
committed payment amount of the electronic certificate; the second Funds-
Management
server receives the request information and changes the account information of
the second
terminal user according to the request information.
[11] Another technical solution adopted by the present invention is to
provide a method for
changing an electronic certificate applied to a second Funds-Management
server. The
method includes: after the second Funds-Management server receives the
electronic
certificate delivered by the first Funds-Management server, the second
terminal delivers a
request message for changing an account of the second terminal user, Wherein,
the
electronic certificate is an electronic commitment payment certificate, which
is applied for
by the first terminal user to the first Funds-Management server with its
account funds or
credit line as the deposit, and is opened by the first Funds-Management
server, the account
of the second terminal user is used for receiving funds equal to the committed
payment
amount of the electronic certificate; the second Funds-Management server
receives the
request information and changes the account information of the second terminal
user
according to the request information.
[12] Another technical solution adopted by the present invention is to
provide an electronic
certificate changing system, which includes after the second terminal receives
the
electronic certificate delivered by the first Funds-Management server, the
second
Funds-Management server delivers request information for changing the account
of the
second terminal user. Wherein, the electronic certificate is an electronic
commitment
payment certificate, which is applied for by the first terminal user to the
first
Funds-Management server with its account funds or credit line as the deposit,
and is
opened by the first Funds-Management server, the account of the second
terminal user is
used for receiving funds equal to the committed payment amount of the
electronic
certificate; the second Funds-Management server receives the request
information and
changes the account information of the second terminal user according to the
request
information.
2

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
[13] Another technical solution adopted by the present invention is to
provide an electronic
certificate change management device applied to a second Funds-Management
server. The
device includes a receiving module and a processing module. The receiving
module is used
to after the second Funds-Management server receives the electronic
certificate delivered
by the first Funds-Management server, the second terminal delivers a request
message for
changing an account of the second terminal user, Wherein, the electronic
certificate is an
electronic commitment payment certificate, which is applied for by the first
terminal user
to the first Funds-Management server with its account funds or credit line as
the deposit,
and is opened by the first Funds-Management server, the account of the second
terminal
user is used for receiving funds equal to the committed payment amount of the
electronic
certificate; a processing module is used to change the account information of
the second
terminal user according to the request information.
[14] Another technical solution adopted by the present invention is to
provide a data interaction
processing method, which includes: the Second terminal delivers the request
information to
Second Server to change the account of the Second terminal after the Second
Server
receives the data certificate delivered by First Server; wherein, the data
certificate is a
quantitative tool used by the first terminal as a data association
relationship established
between the data initiator and the First Server; the Second Server receives
the request
information, and changes the account information of the second terminal
according to the
request information.
[15] Another technical solution adopted by the present invention is to
provide a data interaction
processing method applied to a Second Server, and the method includes: After
receiving
the data certificate delivered by the First Server, the Second Server receives
the request
message for changing the account of the second terminal delivered by the
second terminal.
Wherein, the data certificate is a quantitative tool used by the first
terminal as a data
association relationship established between the data initiator and the First
Server; the
Second Server receives the request information, and changes the account
information of the
second terminal according to the request information.
[16] Another technical solution adopted by the present invention is to
provide a data certificate
data exchange system, which includes a second terminal and a Second Server.
The second
terminal is used to: after the Second Server receives the data certificate
delivered by the
First Server, wherein, the data certificate is a quantitative tool used by the
first terminal as a
data association relationship established between the data initiator and the
First Server; the
Second Server receives the request information, and the Second Server is used
to receive
request information and change the account information of the Second terminal
based on
3

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
request information.
[17] Another technical solution adopted by the present invention is to
provide a data interaction
processing device applied to a Second Server. The device includes a receiving
module and
a processing module. The receiving module is used to: after the Second Server
receives the
data certificate delivered by the First Server, wherein, the data certificate
is a quantitative
tool used by the first terminal as a data association relationship established
between the
data initiator and the First Server;; and the processing module is used to
change the account
information of the second terminal according to the request information.
[18] Different from the existing technology, in the present invention, the
second terminal, after
receiving the electronic certificate delivered by the first Funds-Management
server,
delivers the request information to the second Funds-Management server to
change the
account of the second terminal user. Wherein, the account of the second
terminal user is
used for receiving released funds equal to the amount of the electronic
certificate, and the
electronic certificate is a data certificate issued by the first funds-
management server from
the first funds-management server with the account fund or credit line of the
first end user;
the second Funds-Management server receives the request information, and
changes the
account information of the second terminal user according to the request
information. In
the above way, the present invention enables the second terminal user to
arbitrarily change
his own account, thereby ensuring that the second terminal user can use other
accounts for
payment when the second terminal user has an abnormality in the preset
account, thereby
making the receiving method more flexible. In addition, after receiving the
data certificate
delivered by the First Server, deliver a request message to Second Server to
change the
account of the Second terminal, wherein, the data certificate is a
quantitative tool used by
the first terminal as a data association relationship established between the
data initiator
and the First Server; the Second Server receives the request information, and
changes the
account information of the second terminal according to the request
information. By means
of the foregoing method, the second terminal at the data receiving terminal
can arbitrarily
change the account for receiving the data, which ensures that when an account
is abnormal,
it can also receive data through other accounts to improve the efficiency of
data interaction.
[19] [Brief Description]
[20] Figure 1 is a flow chart of a first example of a method for changing
an electronic certificate
according to the present invention;
[21] Figure 2 is a flow chart of a second example of an electronic
certificate alteration method
according to the present invention;
[22] Figure 3 is a schematic structural diagram of an example of an
electronic certificate
4

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
alteration system according to the present invention;
[23] Figure 4 is a schematic structural view of a first example of an
electronic certificate
alteration device according to the present invention;
[24] Figure 5 is another structural schematic diagram of a first example of
an electronic
certificate alteration device according to the present invention;
[25] Figure 6 is a flowchart of a first example of a data interaction
processing method according
to the present invention;
[26] Figure 7 is a flowchart of a second example of a data interaction
processing method
according to the present invention;
[27] Figure 8 is a schematic structural diagram of a data interaction
processing system in an
example of the present invention.
[28] Figure 9 is a schematic structural diagram of a first example of a
data interaction
processing device according to the present invention. Figure
[29] [Description of the Preferred Examples]
[30] In order to explain on the technical content, construction
characteristics, the purpose and
effect of the invention, the following combination of the attached drawings
and the
embodiment of the invention are explained in detail.
[31] Please refer to Figure 1, a flowchart of a first example of an
electronic certificate alteration
method according to the present invention includes:
[32] Step 101: After receiving the electronic certificate delivered by the
first
Funds-Management server, the second terminal delivers request information for
changing
the account of the second terminal user to the second Funds-Management server.
[33] Wherein, the electronic certificate refers to the application of the
first Funds-Management
server to freeze the corresponding Funds or credit limit of the first terminal
user account in
accordance with the application of the first terminal user, and open it in the
name of the
first funds-management server, and commit to settle in accordance with the
agreed
conditions. The basic business process of the electronic certificate is as
follows: the first
Funds-Management server freezes the required amount of funds according to the
application of the first terminal user to open the electronic certificate.
When the agreed
settlement conditions are reached, the Funds-Management server will release
the funds to
handle payment and settlement.
[34] In this implementation manner, before step 101, the second Funds-
Management server has
received the electronic certificate delivered by the first Funds-Management
server. In other
examples, if the second terminal delivers an electronic certificate to the
second
Funds-Management server when the request message is delivered, the second

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
Funds-Management server does not receive the electronic certificate delivered
by the first
Funds-Management server, and the second Funds-Management server may feedback
the
message that it did not receive the electronic certificate to the second
terminal, so that the
second terminal can deliver the request information of the change electronic
certificate to
the second terminal user to the first Funds-Management server.
[35] Step 102: the second Funds-Management server receives the request
information, and
changes the account information of the second terminal user according to the
request
information.
[36] The step 102 is specifically as follows. The second Funds-Management
server receives the
request information and verifies the status of the electronic certificate.
When the
verification succeeds, the second Funds-Management server changes the account
information of the second terminal user according to the request information.
[37] In this example, the status of the electronic certificate is
electronic certificate information,
and the electronic certificate information includes basic information of the
first terminal,
the first Funds-Management server, the second terminal, and the second
Funds-Management server, and the second of course, the electronic certificate
information
also includes the quota information of the electronic certificate, the
clearing information,
the issuing time and the expiration date of the electronic certificate, and of
course, the
issuing time and the expiration date can also be directly replaced by the
expiration time.
[38] Wherein, when the second terminal delivers the request information to
the second funds
server, the request information may include second account information that is
set by the
second terminal user and is different from the first account information, for
example, an
account number of the second account, account holder name and so on.
[39] The status of the verification electronic certificate specifically
includes: the second
Funds-Management server determines whether the electronic certificate exceeds
the
validity period according to the issuing time and validity of the electronic
certificate , and
determines whether the second Funds-Management server receives the funds equal
to the
value of the electronic certificate issued by the first Funds-Management
server according to
the quota information and the settlement information of the electronic
certificate.
[40] In the above authentication process, if the electronic certificate is
valid and the second
Funds-Management server does not receive the same value as the electronic
certificate and
is issued by the first Funds-Management server, the second Funds-Management
server
changes the electronic certificate information so that the second account of
the second
terminal user becomes a collection account number of funds equal to the value
of the
electronic certificate.
6

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
[41] Wherein, changing the electronic certificate information is
specifically: changing the
account of the receiving user in the electronic certificate information from
the first account
to the second account, that is, when the second Funds-Management server
receives funds
that are equal to the value of the electronic certificate issued by the first
Funds-Management server, the fund is transferred to the second account of the
second term'
user rather than the preset first account.
[42] In the above verification process, if the electronic certificate is
invalid or the second
Funds-Management server has received the first Funds-Management server payment
equal
to the value of the electronic certificate, the second Funds-Management server
delivers
verification failure to the second terminal, which means that the second
terminal cannot
change the account of electronic certificate for the second account.
[43] In another example, the verification process may only verify whether
the electronic
certificate exceeds the validity period, and does not verify whether the
second
Funds-Management server receives the same amount of Funds as the value of the
electronic certificate, because no matter how second terminal users change
their accounts,
it must be paid by second Funds-Management server.
[44] After step 102, the method may further include:
[45] Step 103: the second Funds-Management server delivers the electronic
certificate change
information to the second terminal.
[46] In other examples, when delivering the request information to the second
Funds-Management server, the second terminal may not include the second
account
information. Instead, after completing step 103, the second terminal deliver
the second end
user's second account information to the second Funds-Management server.
[47] After the above process is completed, when the first Funds-Management
server needs to
issue Funds equal to the value of electronic certificate to the second Funds-
Management
server, issue the corresponding Funds to the second Funds-Management server,
and after
receiving the funds, the second Funds-Management server does not allocate the
funds to
the first account of the second terminal user according to the pre-determined
agreement but
allocates the funds to the second account of the terminal user based on the
changed
electronic certificate information.
[48] In a specific example, the first Funds-Management server is the Funds-
Management server
of the first bank and the second Funds-Management server is the Funds-
Management
server of the second bank. The first terminal is a terminal A, the first
terminal user is user
A, the second terminal is terminal B, and the second terminal user is user B.
[49] Electronic certificate refers to the payment certificate of electronic
credit commitment that
7

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
the first bank opens on the application of the User A, or uses the credit line
and opens in
the name of the first bank, and commits to settle according to the agreed
conditions. The
basic business process of electronic certificate: the first bank will freeze
the required
amount of funds according to the application of User A to open an electronic
certificate.
When agreed terms of settlement are reached, the first bank will pay the funds
for payment
and settlement.
[50] When User A needs to transfer 100,000 funds to User B, it first
applies the terminal A to
the first bank to open an electronic certificate worth 100,000, and sets up
user B's bank,
account number and the validity period of electronic certificate. Wherein, the
User A open
the electronic certificate worth 100,000 on the premise that the User A in
the first bank
deposits, lines of credit or other forms of assets worth at least more than
100,000, after the
opening of the electronic certificate, the first The bank froze User A's worth
of 100,000 in
First Bank.
[51] In the general process, the first bank delivers the electronic
certificate to the second bank,
the second bank receives the electronic certificate and delivers the
electronic certificate
information to the terminal B, and the User B confirms the information and
applies for
commissioning the second bank to receive funds; the first bank then release
100,000 of
funds, and transferred to the second bank, the second bank and then
transferred 100,000 to
the User B's first account.
[52] In this example, after the first bank delivers the electronic
certificate to the second bank,
the second bank receives the electronic certificate and delivers the
electronic certificate
information to the terminal B, and User B needs to receive the electronic
certificate through
second accounts for some reasons (for example, the user's B's first account is
frozen or the
first account has security risk), and it transfers 100,000 to the second
account of user B
through the second bank. The user B delivers a change of electronic
certificate to the
second bank through terminal B to the second account of user B; the second
bank responds
to the request message, and when determining that electronic certificate has
not exceeded
the validity period, and second banks have not yet received the first bank's
value equal to
electronic certificate, change the information of electronic certificate and
change the
receiving account of electronic certificate to the second banker of User B.
The second bank
delivers the change message to the terminal B again. After receiving the
message, the User
B sets his own account, that is, the account number of the second account, and
the name of
the card holder, and delivers the message to the second bank through the
terminal B. When
the second bank receives the first bank and the electronic certificate issued
by the
equivalent value of 100,000, the 100,000 will be issued to the User B's
second account.
8

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
[53] In the above solution, the second terminal, after receiving the
electronic certificate
delivered by the first Funds-Management server, delivers the request
information to the
second Funds-Management server to change the account of the second terminal
user.
Wherein, the account of the second terminal user is used for receiving
released funds equal
to the amount of the electronic certificate, and the electronic certificate is
a data certificate
issued by the first funds-management server from the first funds-management
server with
the account fund or credit line of the first end user; the second Funds-
Management server
receives the request information, and changes the account information of the
second
terminal user according to the request information. In the above way, the
present invention
enables the second terminal user to arbitrarily change his own account,
thereby ensuring
that the second terminal user can use other accounts for payment when the
second terminal
user has an abnormality in the preset account, thereby making the receiving
method more
flexible.
[54] Please refer to Figure 2, a flowchart of a second example of an
electronic certificate
alteration method according to the present invention is applied to a second
Funds-Management server. The method includes:
[55] Step 201: after receiving the electronic certificate delivered by the
first Funds-Management
server, the second Funds-Management server receives the request message for
changing the
account of the second terminal user delivered by the second terminal.
[56] Wherein, the electronic certificate refers to the application of the
first Funds-Management
server to freeze the corresponding Funds or credit limit of the first terminal
user account in
accordance with the application of the first terminal user, and open it in the
name of the
first funds-management server, and commit to settle in accordance with the
agreed
conditions. The basic business process of the electronic certificate is as
follows: the first
Funds-Management server freezes the required amount of funds according to the
application of the first terminal user to open the electronic certificate.
When the agreed
settlement conditions are reached, the Funds-Management server will release
the funds to
handle payment and settlement.
[57] Step 202: the second Funds-Management server receives the request
information, and
changes the account information of the second terminal user according to the
request
information.
[58] In step 202, after receiving the request information, the second Funds-
Management server
further includes the step of verifying the status of the electronic
certificate, and changing
the account information of the second terminal user according to the request
information
after the authentication is passed.
9

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
[59] The process of changing the receiving user information of the
electronic certificate
specifically includes: changing the receiving user item in the electronic
certificate
information to the third terminal user, that is, when the second Funds-
Management server
receives Funds that are equal to the value of the electronic certificate
issued by the first
Funds-Management server, the Funds are transferred to the corresponding
account of the
third terminal user.
[60] This example is based on the implementation manner of the second Funds-
Management
server in the first example, and details are not described herein again.
[61] Please refer to Figure 3, a schematic structural diagram of an example
of an electronic
certificate alteration system 300 according to the present invention includes
a second
terminal 302 and a second Funds-Management server 304.
[62] The second terminal 302 is used to deliver, to the second Funds-
Management server 304,
the request for changing the account of the second terminal 302 user after the
second
Funds-Management server 304 receives the electronic certificate delivered by
the first
Funds-Management server 303.
[63] Wherein, the electronic certificate means that the first Funds-
Management server 303
opens in the name of the first Funds-Management server 303 according to the
application
of the first terminal user 301 for freezing funds or credit limit, and commits
to settle
according to the agreed conditions of payment certificate of electronic credit
commitment.
The basic business process of the electronic certificate is as follows: the
first
Funds-Management server 303, according to the application of the first
terminal user,
freezes the required amount of funds to open the electronic certificate. When
the agreed
settlement conditions are reached, the Funds-Management server 303 will
release the funds
Handle payment and settlement.
[64] The second Funds-Management server 304 is used to receive the request
information and
change the account information of the user of the second terminal 302
according to the
request information.
[65] In addition, the second Funds-Management server 304 is also used to
verify the status of
the electronic certificate after receiving the request information, and change
the account
information of the second terminal user according to the request information
after the
verification is passed.
[66] Wherein, the status of the verification electronic certificate
specifically includes: the
second Funds-Management server 304 determines whether the electronic
certificate
exceeds the validity period according to the issuing time and validity of the
electronic
certificate , and determines whether the second Funds-Management server 304
receives the

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
funds equal to the value of the electronic certificate issued by the first
Funds-Management
server 303 according to the quota information and the settlement information
of the
electronic certificate.
[67] Wherein, changing the receiving user information of the electronic
certificate is
specifically: changing the receiving user account in the electronic
certificate information
into a second account different from the preset first account, that is, when
the second
Funds-Management server 304 receives the first Funds-Management server 303,
the money
is allocated to the second account of the user of the second terminal 302.
[68] In addition, the second Funds-Management server 304 is also used to
deliver the electronic
certificate change information to the second terminal after changing the
electronic
certificate information.
[69] This example is based on a system of the first example of the method
for changing an
electronic certificate, and details are not described herein again.
[70] Please refer to Figure 4, a schematic structural diagram of a first
example of an electronic
certificate alteration device according to the present invention is shown. The
device 400 is
a second Funds-Management server. The device 400 includes a receiving module
401 and a
processing module 402.
[71] The receiving module 401 is used to after receiving the electronic
certificate delivered by
the first Funds-Management server, the second Funds-Management server receives
the
request message for changing the account of the second terminal user delivered
by the
second terminal.
[72] The processing module 402 is used to change the account information of
the second
terminal user according to the request information.
[73] Wherein, the electronic certificate refers to the application of the
first Funds-Management
server to freeze the corresponding Funds or credit limit of the first terminal
user account in
accordance with the application of the first terminal user, and open it in the
name of the
first funds-management server, and commit to settle in accordance with the
agreed
conditions. The basic business process of the electronic certificate is as
follows: the first
Funds-Management server freezes the required amount of funds according to the
application of the first terminal user to open the electronic certificate.
When the agreed
settlement conditions are reached, the Funds-Management server will release
the funds to
handle payment and settlement.
[74] As shown in Figure 5, in another implementation, the device 500
includes a receiving
module 501, a verification module 502, a processing module 503, and a delivery
module
504.
11

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
[75] The receiving module 501 is used to after receiving the electronic
certificate delivered by
the first Funds-Management server, the second Funds-Management server receives
the
request message for changing the account of the second terminal user delivered
by the
second terminal.
[76] The verification module 502 is used to verify the status of the
electronic certificate after the
receiving module receives the request message.
[77] The processing module 503 is used to change the account information of
the second
terminal user according to the request information.
[78] The delivery module 504 is used to deliver the electronic certificate
change information to
the second terminal after the processing module changes the account
information of the
second terminal user according to the request information.
[79] Wherein, the electronic certificate refers to the application of the
first Funds-Management
server to freeze the corresponding Funds or credit limit of the first terminal
user account in
accordance with the application of the first terminal user, and open it in the
name of the
first funds-management server, and commit to settle in accordance with the
agreed
conditions. The basic business process of the electronic certificate is as
follows: the first
Funds-Management server freezes the required amount of funds according to the
application of the first terminal user to open the electronic certificate.
When the agreed
settlement conditions are reached, the Funds-Management server will release
the funds to
handle payment and settlement.
[80] The verification process of the verification module 502 specifically
includes: the second
Funds-Management server determines whether the electronic certificate exceeds
the
validity period according to the issuing time and validity of the electronic
certificate , and
determines whether the second Funds-Management server receives the funds equal
to the
value of the electronic certificate issued by the first Funds-Management
server according to
the quota information and the settlement information of the electronic
certificate.
[81] Wherein, the changing process of the processing module 503 is
specifically: changing the
receiving user account in the electronic certificate information into a second
account
different from the preset first account, that is, when the second Funds-
Management server
receives the first Funds -Management server issued with the value of the
electronic
certificate equal to the funds, the funds allocated to the second terminal
user's second
account.
[82] This example is based on a device of the second Funds-Management
server in the first
example, and details are not described herein again.
[83] Please refer g to Figure 6, a flowchart of a first example of a data
interaction processing
12

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
method according to the present invention includes:
[84] Step 601: After receiving the data certificate delivered by the First
Server, the second
terminal delivers a request for changing the account of the second terminal to
the Second
Server.
[85] Wherein, data certificate is a quantitative tool used by the first
terminal as the
pre-established data association between the data initiator and the First
Server.
[86] Step 602: The Second Server receives the request information, and
changes the account
information of the second terminal according to the request information.
[87] The following uses data exchange as an example to illustrate this
example:
[88] First, User A has the ability to manage the terminal 1 through a
password, such as the
ability to use the password to log in to the management system through
terminal 1.
[89] When User A needs User B to manage the system, User A makes an
application to server 1
based on the password, creates a password certificate by server 1, and
delivers the
password certificate to server 2.
[90] In general, the server 2 delivers the password to the account 1 of the
User B in the terminal
2 after receiving the password delivered by the server 1 according to the
password
certificate, and the User B can log on to the management system on terminal 2
through this
password.
[91] In this example, the password may not be received normally due to an
abnormal condition
such as freezing of the account 1, and the User B delivers a request message
to the server 2
through the terminal 2 to change the receiving account of the password
certificate to the
account 2 after receiving the request message, the server 2 changes the
receiving account of
the password to the account 2 according to the request message.
[92] Therefore, when the server 1 needs to deliver the password to the
server 2, the server 2
delivers the password to the account 2 of the User B in the terminal 2, and
the User B
obtains the management authority of the management system.
[93] In the above solution, after receiving the data certificate delivered
by the First Server,
deliver a request message to Second Server to change the account of the Second
terminal,
wherein, the data certificate is a quantitative tool used by the first
terminal as a data
association relationship established between the data initiator and the First
Server; the
Second Server receives the request information, and changes the account
information of the
second terminal according to the request information. By means of the
foregoing method,
the second terminal at the data receiving terminal can arbitrarily change the
account for
receiving the data, which ensures that when an account is abnormal, it can
also receive data
through other accounts to improve the efficiency of data interaction.
13

CA 02993033 2018-01-19
WO 2017/011997 PCT/CN2015/084564
[94] Please refer to Figure 7, a flowchart of a second example of a data
interaction processing
method according to the present invention includes:
[95] Step 701: After receiving the data certificate delivered by the First
Server, the Second
Server receives the request message for changing the account of the second
terminal
delivered by the second terminal.
[96] Wherein, data certificate is a quantitative tool used by the first
terminal as the
pre-established data association between the data initiator and the First
Server.
[97] Step 702: The Second Server receives the request information, and
changes the account
information of the second terminal according to the request information.
[98] Please refer to Figure 8, it is a schematic structural diagram of an
example of a data
interaction processing system according to the present invention. The system
800 includes
a second terminal 802 and a Second Server 804.
[99] After receiving the data certificate delivered by the First Server
804, the second terminal
801 delivers a request for changing the account of the second terminal 802 to
the Second
Server 805.
[100] Wherein, data certificate is a quantitative tool used by the first
terminal 801 as the
pre-established data association between the data initiator and the First
Server 804.
[101] Second Server 805 is used to receive the request information, and change
the account
information of the second terminal 802 according to the request information.
[102] Please refer to Figure 9, a schematic structural diagram of a first
example of a data
interaction processing device according to the present invention is applied to
a Second
Server. The device includes a receiving module 901 and a processing module
902.
[103] The receiving module 901 is used to receive the request for changing the
account of the
second terminal delivered by the second terminal after the Second Server
receives the data
certificate delivered by the First Server.
[104] Wherein, data certificate is a quantitative tool used by the first
terminal as the
pre-established data association between the data initiator and the First
Server.
[105] The processing module 902 is used to change the account information of
the second
terminal according to the request information.
[106] The above is only an example of the present invention and is not
intended to limit the scope
of the invention as a matter of limitation, either by way of equivalent
construction or
equivalent process transformation using the present specification and the
accompanying
drawings, directly or indirectly used in other related technical fields, which
are included in
the scope of the patent protection of the present invention.
14

Representative Drawing
A single figure which represents the drawing illustrating the invention.
Administrative Status

For a clearer understanding of the status of the application/patent presented on this page, the site Disclaimer , as well as the definitions for Patent , Administrative Status , Maintenance Fee  and Payment History  should be consulted.

Administrative Status

Title Date
Forecasted Issue Date Unavailable
(86) PCT Filing Date 2015-07-21
(87) PCT Publication Date 2017-01-26
(85) National Entry 2018-01-19
Examination Requested 2020-06-02

Abandonment History

There is no abandonment history.

Maintenance Fee

Last Payment of $210.51 was received on 2023-12-15


 Upcoming maintenance fee amounts

Description Date Amount
Next Payment if small entity fee 2025-07-21 $125.00
Next Payment if standard fee 2025-07-21 $347.00

Note : If the full payment has not been received on or before the date indicated, a further fee may be required which may be one of the following

  • the reinstatement fee;
  • the late payment fee; or
  • additional fee to reverse deemed expiry.

Patent fees are adjusted on the 1st of January every year. The amounts above are the current amounts if received by December 31 of the current year.
Please refer to the CIPO Patent Fees web page to see all current fee amounts.

Payment History

Fee Type Anniversary Year Due Date Amount Paid Paid Date
Registration of a document - section 124 $100.00 2018-01-19
Application Fee $400.00 2018-01-19
Maintenance Fee - Application - New Act 2 2017-07-21 $100.00 2018-01-19
Maintenance Fee - Application - New Act 3 2018-07-23 $100.00 2018-07-06
Maintenance Fee - Application - New Act 4 2019-07-22 $100.00 2019-01-11
Maintenance Fee - Application - New Act 5 2020-07-21 $200.00 2020-01-08
Advance an application for a patent out of its routine order 2020-06-02 $500.00 2020-06-02
Request for Examination 2020-07-21 $800.00 2020-06-02
Maintenance Fee - Application - New Act 6 2021-07-21 $204.00 2021-06-25
Maintenance Fee - Application - New Act 7 2022-07-21 $203.59 2022-06-22
Maintenance Fee - Application - New Act 8 2023-07-21 $210.51 2023-06-14
Maintenance Fee - Application - New Act 9 2024-07-22 $210.51 2023-12-15
Owners on Record

Note: Records showing the ownership history in alphabetical order.

Current Owners on Record
10353744 CANADA LTD.
Past Owners on Record
None
Past Owners that do not appear in the "Owners on Record" listing will appear in other documentation within the application.
Documents

To view selected files, please enter reCAPTCHA code :



To view images, click a link in the Document Description column. To download the documents, select one or more checkboxes in the first column and then click the "Download Selected in PDF format (Zip Archive)" or the "Download Selected as Single PDF" button.

List of published and non-published patent-specific documents on the CPD .

If you have any difficulty accessing content, you can call the Client Service Centre at 1-866-997-1936 or send them an e-mail at CIPO Client Service Centre.


Document
Description 
Date
(yyyy-mm-dd) 
Number of pages   Size of Image (KB) 
Request for Examination / Amendment / Special Order 2020-06-02 26 869
Description 2020-06-02 15 877
Claims 2020-06-02 18 608
Acknowledgement of Grant of Special Order 2020-06-12 1 173
Examiner Requisition 2020-06-29 6 299
Amendment 2020-10-20 45 1,611
Claims 2020-10-20 18 609
Examiner Requisition 2021-01-25 5 272
Amendment 2021-05-25 46 1,649
Claims 2021-05-25 18 608
Examiner Requisition 2021-09-28 6 331
Amendment 2022-01-28 39 1,382
Claims 2022-01-28 12 392
Examiner Requisition 2022-10-03 4 196
Amendment 2023-01-30 32 1,105
Claims 2023-01-30 12 554
Abstract 2018-01-19 1 99
Claims 2018-01-19 3 155
Drawings 2018-01-19 4 62
Description 2018-01-19 14 849
Patent Cooperation Treaty (PCT) 2018-01-19 1 72
International Search Report 2018-01-19 2 70
National Entry Request 2018-01-19 9 378
Representative Drawing 2018-03-20 1 9
Cover Page 2018-03-20 1 48
Examiner Requisition 2023-07-19 7 377
Amendment 2023-11-20 34 1,234
Claims 2023-11-20 12 557