ELECTRONIC CERTIFICATE RECEIVING METHOD, DEVICE AND SYSTEM

PROCEDE, DISPOSITIF ET SYSTEME DE RECEPTION DE CERTIFICAT ELECTRONIQUE

English Abstract

An electronic certificate receiving method, device and system, belonging to the technical field of Internet finance. The method comprises: a second client sends at least two receiving requests to a second funds management server (S101); the second funds management server sequentially receives one receiving request (S102); the second funds management server verifies seller information corresponding to a current receiving request (S103); if verification is passed, the second funds management server receives an electronic certificate corresponding to the current receiving request (S104); the second funds management server repeatedly executes the above steps until the last receiving request has been processed (S105). In the present method, the second client sends the receiving requests and the second funds management server verifies the seller information, thereby implementing selective receiving by a seller, reducing a network payment error rate, and reducing the transaction risk for both a buyer and the seller.

French Abstract

La présente invention, qui a trait au domaine technique des finances dans l'internet, concerne un procédé, un dispositif et un système de réception de certificat électronique. Le procédé comprend les étapes suivantes : un second client envoie au moins deux demandes de réception à un second serveur de gestion de fonds (S101); le second serveur de gestion de fonds reçoit séquentiellement une demande de réception (S102); le second serveur de gestion de fonds vérifie des informations de vendeur correspondant à une demande de réception courante (S103); si la vérification est réussie, le second serveur de gestion de fonds reçoit un certificat électronique correspondant à la demande de réception courante (S104); le second serveur de gestion de fonds exécute à maintes reprises les étapes susmentionnées jusqu'à ce que la dernière demande de réception ait été traitée (S105). Dans le présent procédé, le second client envoie les demandes de réception et le second serveur de gestion de fonds vérifie les informations de vendeur, mettant en uvre de cette façon une réception sélective par un vendeur, réduisant un taux d'erreur des paiements dans un réseau et réduisant le risque des transactions à la fois pour un acheteur et le vendeur.

Claims

Claims:
1. A computer system for batch requests during an electronic transaction, the
system
comprising:
a seller terminal configured to deliver at least two certificate collection
requests for an
order to a second funds management server;
the second funds management server configured to:
when receiving each certificate collection request in turn, verify seller
information corresponding to the current certificate collection request for
realizing a selective collection of a seller and reduce an error rate of a
network
payment to reduce transaction risk;
wherein if the seller information corresponding to the current certificate
collection request passes verification, receive an electronic certificate
corresponding to the current certificate collection request, wherein the
second
funds management server registers the electronic certificate under a seller
account or a seller identity and updates a status of the electronic
certificate;
whereby a first funds management server transfers funds from a buyer account
to the second funds management server based on the updated status of the
electronic certificate;
wherein if the verification is failed, the second funds management server
determines whether the current certificate collection request is the last
certificate collection request; and
wherein if the current certificate collection request is not the last
certificate
collection request, verify seller information corresponding to the next
certificate collection request.
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2. The system of claim 1, wherein the second funds management server is
further configured to
generate a receipt for the electronic certificate to deliver the receipt to
the first funds
management server, where if the seller information corresponding to the
current certificate
collection request passes verification.
3. The system of claim 1, wherein the second funds management server is
further configured to
generate receipts for the electronic certificate through a batch process to
deliver all receipts to
the first funds management server, where if verification for receipts are
passed.
4. The system of claim 1, wherein the certificate collection request further
includes electronic
certificate infonnation.
5. The system of claim 4, wherein the electronic certificate information
further includes an
electronic certificate number.
6. The system of any one of claims 1 to 5, wherein the certificate collection
request further
includes the seller information.
7. The system of claim 6, wherein the seller information includes
identification information of
the seller.
8. The system of claim 6, wherein the seller information includes account
information of the
seller.
9. The system of any one of claims 1 to 8, wherein the certificate collection
request further
includes a plurality of parameters.
10. The system of claim 9, wherein the parameter includes a validity period of
the electronic
certificate.
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11. The system of any one of claims 9 to 10, wherein the parameter includes
transaction object
information.
12. The system of any one of claims 9 to 11, wherein the parameter includes a
settlement rate.
13. The system of any one of claims 9 to 12, wherein the parameter includes
financial institution
information for issuing electronic certificate.
14. The system of any one of claims 9 to 13, wherein the parameter includes an
amount of funds
for issuing electronic certificate.
15. The system of any one of claims 9 to 14, wherein the parameter includes a
performance
period.
16. The system of any one of claims 9 to 15, wherein the parameter includes a
receipt period.
17. The system of any one of claims 9 to 16, wherein the parameter includes an
electronic
certificate model.
18. The system of any one of claims 9 to 17, wherein the parameter includes a
settlement mode.
19. A computer implemented method for batch requests during an electronic
transaction, the
method comprising:
delivering with a seller terminal at least two certificate collection requests
for an order to
a second funds management server;
verifying with the second funds management server seller information
corresponding to a
current certificate collection request when receiving each certificate
collection request;
Date Recue/Date Received 2022-07-04

wherein if the seller information corresponding to the current certificate
collection
request passes verification, receiving with the second funds management server
an
electronic certificate corresponding to the current certificate collection
request;
wherein if the seller information corresponding to the current certificate
collection
request passes verification, registering with the second funds management
server the
electronic certificate under a seller account or a seller identity;
wherein if the seller information corresponding to the current certificate
collection
request passes verification, updating with the second funds management server
a status
of the electronic certificate, whereby a first funds management server
transfers funds
from a buyer account to the second funds management server based on the
updated
status of the electronic certificate;
wherein if the verification is failed, determining with the second funds
management
server whether the current certificate collection request is the last
certificate collection
request; and
wherein if the current certificate collection request is not the last
certificate collection
request, verifying with the second funds management server seller information
corresponding to the next certificate collection request.
20. The method of claim 19 further includes that the second funds management
server generates
a receipt for the electronic certificate to deliver the receipt to the first
funds management
server, where if the seller information corresponding to the current
certificate collection
request passes verification.
21. The method of claim 19 further includes that the second funds management
server generate
receipts for the electronic certificate through a batch process to deliver all
receipts to the first
funds management server, where if verification for receipts are passed.
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22. The method of claim 19, wherein the certificate collection request further
includes electronic
certificate information.
23. The method of claim 22, wherein the electronic certificate information
further includes an
electronic certificate number.
24. The method of any one of claims 19 to 23, wherein the certificate
collection request further
includes the seller information.
25. The method of claim 24, wherein the seller information includes
identification information of
the seller.
26. The method of claim 24, wherein the seller information includes account
information of the
seller.
27. The method of any one of claims 19 to 26, wherein the certificate
collection request further
includes a plurality of parameters.
28. The method of claim 27, wherein the parameter includes a validity period
of the electronic
certificate.
29. The method of any one of claims 27 to 28, wherein the parameter includes
transaction object
information.
30. The method of any one of claims 27 to 29, wherein the parameter includes a
settlement rate.
31. The method of any one of claims 27 to 30, wherein the parameter includes
financial
institution information for issuing electronic certificate.
32. The method of any one of claims 27 to 31, wherein the parameter includes
an amount of
funds for issuing electronic certificate.
17
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33. The method of any one of claims 27 to 32, wherein the parameter includes a
performance
period.
34. The method of any one of claims 27 to 33, wherein the parameter includes a
receipt period.
35. The method of any one of claims 27 to 34, wherein the parameter includes
an electronic
certificate model.
36. The method of any one of claims 27 to 35, wherein the parameter includes a
settlement
mode.
37. A computer implemented method for batch requests during an electronic
transaction, the
method comprising:
receiving with a second funds management server each certificate collection
request in
turn among at least two certificate collection requests for an order delivered
by a seller
terminal;
when receiving each certificate collection request in turn, verifying with the
second funds
management server seller information corresponding to the current certificate
collection
request for realizing a selective collection of a seller and reduce an error
rate of a
network payment to reduce transaction risk;
wherein if the seller information corresponding to the current certificate
collection
request passes verification, receiving with the second funds management server
an
electronic certificate;
wherein if the seller information corresponding to the current certificate
collection
request passes verification, registering with the second funds management
server the
electronic certificate under a seller account or a seller identity;
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wherein if the seller information corresponding to the current certificate
collection
request passes verification, updating with the second funds management server
a status
of the electronic certificate, whereby a first funds management server
transfers funds
from a buyer account to the second funds management server based on the
updated
status of the electronic certificate;
wherein if the verification is failed, determining with the second funds
management
server whether the current certificate collection request is the last
certificate collection
request; and
wherein if the current certificate collection request is not the last
certificate collection
request, verifying with the second funds management server seller information
corresponding to the next certificate collection request.
38. The method of claim 37 further includes generating a receipt for the
electronic certificate to
deliver the receipt to the first funds management server, where if the seller
information
corresponding to the current certificate collection request passes
verification.
39. The method of claim 37 further includes generating receipts for the
electronic certificate
through a batch process to deliver all receipts to the first funds management
server, where if
verification for receipts are passed.
40. The method of claim 37, wherein the certificate collection request further
includes electronic
certificate information.
41. The method of claim 40, wherein the electronic certificate information
further includes an
electronic certificate number.
42. The method of any one of claims 37 to 41, wherein the certificate
collection request further
includes the seller information.
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43. The method of claim 42, wherein the seller information includes
identification information of
the seller.
44. The method of claim 42, wherein the seller information includes account
information of the
seller.
45. The method of any one of claims 37 to 44, wherein the certificate
collection request further
includes a plurality of parameters.
46. The method of claim 45, wherein the parameter includes a validity period
of the electronic
certificate.
47. The method of any one of claims 45 to 46, wherein the parameter includes
transaction object
information.
48. The method of any one of claims 45 to 47, wherein the parameter includes a
settlement rate.
49. The method of any one of claims 45 to 48, wherein the parameter includes
financial
institution information for issuing electronic certificate.
50. The method of any one of claims 45 to 49, wherein the parameter includes
an amount of
funds for issuing electronic certificate.
51. The method of any one of claims 45 to 50, wherein the parameter includes a
performance
period.
52. The method of any one of claims 45 to 51, wherein the parameter includes a
receipt period.
53. The method of any one of claims 45 to 52, wherein the parameter includes
an electronic
certificate model.
Date Recue/Date Received 2022-07-4

54. The method of any one of claims 45 to 53, wherein the parameter includes a
settlement
mode.
55. A computer device for batch requests during an electronic transaction, the
device comprising:
a computer receiving module configured to receive each certificate collection
request in
turn among at least two certificate collection requests for an order delivered
by a seller
terminal
when receiving each certificate collection request in turn, a verification
module
configured to verify seller information corresponding to the current
certificate collection
request for realizing a selective collection of a seller and reduce an error
rate of a
network payment to reduce transaction risk;
a computer processing module configured to, if the seller information
corresponding to
the current certificate collection request passes verification, receive an
electronic
certificate corresponding to the current certificate collection request,
wherein the
processing module registers the electronic certificate under a seller account
or a seller
identity and updates a status of the electronic certificate, whereby a first
funds
management server transfers funds from a buyer account to a second funds
management
server based on the updated status of the electronic certificate;
a computer judging module configured to:
determine whether the current certificate collection request is the last
certificate collection request, where if the verification is failed; and
notify the receiving module to receive the next certificate request, where if
the
current certificate collection request is not the last certificate collection
request.
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56. The device of claim 55 further includes a first generating module.
57. The device of claim 56, wherein the first generating module is further
configured to generate
a receipt for the electronic certificate, where if the seller information
corresponding to the
current certificate collection request passes verification.
58. The device of claim 55 further includes a first delivery module.
59. The device of claim 58, wherein the first delivery module is further
configured to deliver a
receipt to the first funds management server, where if the seller information
corresponding to
the current certificate collection request passes verification.
60. The device of claim 55 further includes a second generating module.
61. The device of claim 60, wherein the second generating module is further
configured to
generate generating receipts for the electronic certificate through a batch
process, where if
verification for receipts are passed.
62. The device of claim 55 further includes a second delivery module.
63. The device of claim 62, wherein the second delivery module is further
configured to deliver
all receipts to the first funds management server, where if verification for
receipts are passed.
64. The device of claim 55, wherein the certificate collection request further
includes electronic
certificate information.
65. The device of claim 64, wherein the electronic certificate information
further includes an
electronic certificate number.
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66. The device of any one of claims 55 to 65, wherein the certificate
collection request further
includes the seller information.
67. The device of claim 66, wherein the seller information includes
identification information of
the seller.
68. The device of claim 66, wherein the seller information includes account
information of the
seller.
69. The device of any one of claims 55 to 68, wherein the certificate
collection request further
includes a plurality of parameters.
70. The device of claim 69, wherein the parameter includes a validity period
of the electronic
certificate.
71. The device of any one of claims 69 to 70, wherein the parameter includes
transaction object
information.
72. The device of any one of claims 69 to 71, wherein the parameter includes a
settlement rate.
73. The device of any one of claims 69 to 72, wherein the parameter includes
financial institution
information for issuing electronic certificate.
74. The device of any one of claims 69 to 73, wherein the parameter includes
an amount of funds
for issuing electronic certificate.
75. The device of any one of claims 69 to 74, wherein the parameter includes a
performance
period.
76. The device of any one of claims 69 to 75, wherein the parameter includes a
receipt period.
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77. The device of any one of claims 69 to 76, wherein the parameter includes
an electronic
certificate model.
78. The device of any one of claims 69 to 77, wherein the parameter includes a
settlement mode.
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Description

CA 02993050 2018-01-19
W02017/012052 PCT/CN2015/084646
Electronic Certificate Receiving Method, Device And System
Technical Field
[0001] The present invention relates to the field of Internet finance
technology, and in particular,
to a method, device and system for collecting certificate of an electronic
certificate.
Background Technology
[0002] Payment refers to payment of money produced on the basis of economic
contracts in the
business activities. Many banks or enterprises provide online payment tools
that allow
users to operate terminal devices such as computers and mobile phones to
realize online
payment. The way of network payment provides great convenience to users.
However, the
traditional online payment method, such as online banking, third-party
payment, issued by
the payment to the bank or payment agency transfer payment instructions,
payment from
the payer's account to the payer's account specified by the payer, they do not
have the
collection process of the receiving party, the payee bank or payment agency is
credited to
the payee account only after receiving the payment from the payment agency.
[0003] In the above payment methods, the payer must obtain complete and
accurate account
information of the payee for payment, and once the payer has made a mistake in
the
payment object or amount, the funds will be irreversibly paid to the wrong
account, the
cost of retrieving or recovering funds is prohibitively expensive, at the same
time, it also
causes trouble for the payee who needs refunds. For payees, there is no
independent
payment process, only passive payment, it cannot refuse money accounted for,
nor can
have selective collection, it is unable to meet the seller's demand for
selective collection of
transaction order information and transaction objects.
Technical problem
[0004] In view of this, the technical problem to be solved by the present
invention is to provide a
method and device for receiving certificate of electronic certificate, so as
to solve the
technical problem that sellers cannot selectively receive payment.
Problem solving solution
Technical solutions
[0005] The technical solution of the present invention to solve the above-
mentioned technical
problems is as follows:
[0006] According to one aspect of the present invention, it is provided an
electronic certificate
collection method including the following steps:

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[0007] S101: the second client delivers at least two certificate collection
requests to the second
Funds-Management server
[0008] S102, the second Funds-Management server sequentially receives a
certificate request;
[0009] S103, verify the corresponding seller information for the current
certificate request, if the
verification is passed, performing step S104, otherwise, executing step S105;
[0010] S104, receiving the current certificate request corresponding to the
electronic certificate;
[0011] S105: Determine whether the current certificate request is the last
certificate request, and if
yes, end the process; otherwise, return to step S102.
[0012] According to another aspect of the present invention, a method for
certificate collection of
an electronic certificate is provided, which is applied to a second Funds-
Management
server. The method includes the following steps:
[0013] S401: the second Funds-Management server sequentially receives one
certification request
from at least two certification requests delivered by the second client.
[0014] S402, verify the corresponding seller information for the current
certificate request, if the
verification is passed, performing step S403, otherwise, executing step S404;
[0015] S403, receiving the current certificate request corresponding to the
electronic certificate;
[0016] S404, determine whether the current certificate request is the last
certificate request, if yes,
ending the flow; otherwise, returning to step S402.
[0017] According to another aspect of the present invention, a device for
certificate collection of
an electronic certificate is provided to a second Funds-Management server. The
device
includes the following modules:
[0018] A receiving module is used to sequentially receive one of the at least
two certificate issuing
requests delivered by the second client;
[0019] The verification module is used to request seller information
corresponding to the current
certification request verification and determine whether the verification is
passed;
[0020] The processing module is used to receive the electronic certificate
corresponding to the
current certificate request when the current certificate request passes the
verification;
[0021] The judging module is used to judge whether the received certification
request is the last
certification request, and if yes, end the procedure; if not, notify the
receiving module to
receive the next certification request.
[0022] According to another aspect of the present invention, an electronic
certificate collection
system provided includes a second client and a second Funds-Management server,

wherein:
[0023] A second client is used to deliver at least two issuing requests to a
second
Funds-Management server;
2

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[0024] The second Funds-Management server is used to sequentially receive a
certificate
collection request. The seller information corresponding to the current
certificate
verification request is verified, and the electronic certificate corresponding
to the current
certificate verification request is received. It is also set to determine
whether the current
receipt request is the last receiving request, and if so, the process is
completed or the next
collection request is received.
The beneficial effect of the invention
Beneficial effect
[0025] The present invention provides a method, device and system of
electronic certificate
collection. The second fund server verifies the seller's information through
the second
client delivering the deposit request, to achieve the seller's selective
collection, it can
reduce the error rate of network payment and reduce the transaction risk of
buyers and
sellers.
A brief description of the drawings
Brief Description
[0026] Figure 1 is a flowchart of a method for certificate collection of an
electronic certificate
according to Example One of the present invention.
[0027] Figure 2 is a flowchart of a method for certificate collection of an
electronic certificate
according to Example Two of the present invention.
[0028] Figure 3 is a flow chart of a method for receiving certificate of an
electronic certificate
provided in Example Three of the present invention.
[0029] Figure 4 is a flow chart of a method for certificate collection of an
electronic certificate
according to Example Four of the present invention.
[0030] Figure 5 is a flowchart of a method for receiving a certificate of
electronic certificate
according to a fifth example of the present invention.
[0031] Figure 6 is a flowchart of a method for receiving a certificate of
electronic certificate
provided by Example Six of the present invention.
[0032] Figure 7 is a block diagram of an electronic certificate collection
device according to
Example Seven of the present invention.
[0033] Figure 8 is a block diagram of another electronic certificate
collection device provided by
Example Eight of the present invention.
[0034] Figure 9 is a block diagram of another electronic certificate
collection device according to
Example Eight of the present invention.
[0035] Figure 10 is a system structure diagram of an electronic certificate
collection system
provided by Example Eight of the present invention.
3

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Examples of the Invention
Implementation pattern of the present invention
[0036] To make the technical problems, technical solutions and advantages more
apparent and
clear, the present invention will be described in further detail with
reference to the
accompanying drawings and examples. It is to be understood that the specific
examples
described herein are merely illustrative of the invention and are not intended
to limit the
invention.
[0037] In this example of the present invention, the electronic certificate is
applied for by the
buyer to the funds management institution for the account funds or the credit
limit as the
deposit, and the electronic funds certificate committed to be paid and settled
according to
the settlement conditions. The electronic certificate is an Internet based
financial
instrument that is paid by funds management institution credit commitment. It
mainly deals
with the buyer's commodity. The seller downloads the cashier interface, the
buyer
completes the issuance of the electronic certificate, the seller completes the
collection and
performance, at last submitted to pay the solution, and the electronic
certificate expires
automatically. The electronic certificate can be purchased not only for buying
commodity,
but also be used for mortgage guarantees. A fund management institution is an
institution
that can support capital flows, including but not limited to banks and other
fmancial
institutions (such as securities institutions). Correspondingly, Funds-
Management server
includes a bank server or other financial institution server; funds management
account
includes a bank loan account or an account of another financial institution.
[0038] The process of online payment transactions through electronic
certificate is roughly as
follows: after the buyer and the seller form the order, the buyer applies for
issuing the
certificate to the first Funds-Management server (the issuing server) through
the buyer (the
issuing terminal). Of course, the buyer can also take the initiative to apply
for a license
without a transaction order. After the first Funds-Management server accepts
the
application, it opens an electronic certificate according to the issuing
application and
freezes the funds or credit line of the buyer's account for the corresponding
amount. After
the seller confirms the order, he / she applies to the second Funds-Management
server (the
server of the funds management institution) via the second client (receiving
end), and the
second Funds-Management server verifies the information and receives the
certificate.
Electronic certificate into compliance period, waiting for the seller to
deliver commodity or
provide services. After the seller fulfils the contract during the performance
period, the
second Funds-Management server submits the fulfilment information (such as
logistics
number), the second Funds-Management server changes the status of the
electronic
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certificate, and the electronic certificate enters the period of receipt and
waits for the buyer
to sign for the commodity. When the buyer signs the commodity within the
period of
receipt, that is to say, the seller completes the corresponding transaction
conditions
according to the settlement conditions of the electronic certificate, and the
electronic
certificate enters the settlement period. The seller applies for the second
Funds-Management server to apply for the settlement to the first Funds-
Management
server within the time limit for applying for settlement, and after the first
Funds-Management server determines that the conditions for the settlement have
been
reached, the funds or credit of the frozen amount of the buyer's account is
released The
funds will be transferred to the second Funds-Management server, and the funds
will be
transferred by the second Funds-Management server into the seller's designated
receiving
account (i.e., the collecting account). At this point, the completion of
online payment, the
entire transaction is completed.
[0039] wherein, after the opening of the electronic certificate, the validity
period is divided into
three sections, the time limit is stated in the electronic certificate,
respectively, the seller
receipt, performance, apply for payment of the deadline, if the corresponding
action is not
performed, the electronic certificate shall be invalid.
[0040] It should be understood that the above is only a way to use electronic
certificate, it also can
be used to purchase electronic services. In the purchase of services, such as
living in the
hotel transaction scenario, the hotel reservation is successful, that is, the
hotel undertook a
performance. Of course, electronic certificate can also be used to allocate
funds. In
different situations, the understanding of performance and receipt also
changed. In other
words, when a merchant provides a commodity or service, the status of the
electronic
certificate may directly flow through both the compliance period and the
receipt period,
directly entering the solution, such as face-to-face transactions.
[0041] Example 1
[0042] As shown in Figure 1, an electronic certificate collection method
provided in an example
of the present invention includes the following steps:
[0043] S101: the second client delivers at least two certificate collection
requests to the second
Funds-Management server
[0044] Specifically, after the seller confirms the order, the second client
initiates at least two
certificate collection requests to the second Funds-Management server in
batches. The
certificate request includes at least the electronic certificate information
and the seller
information, the electronic certificate information at least includes the
electronic certificate
number, and may also include any combination of one or more of the following

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parameters: payment aging, transaction object information, settlement rate, on
Card
information, issuing amount, performance period, receipt period, electronic
certificate
model and settlement mode and so on. Seller information includes seller
identification
information and / or seller account information. For example, in the case of a
card receipt
(i.e., the seller has a receipt on the second Funds-Management server), the
receipt request
may have only the electronic certificate information and the seller's identity
information. In
the example of the cardless receipt (i.e., the seller does not have the card
acceptance
certificate in the second Funds-Management server), the certificate collection
request
includes the electronic certificate information and further includes the
payment account
information or the identity information so that the second Funds-Management
server after
the management server verifies successfully, register the electronic
certificate under the
account or identity of the seller. S102: the second Funds-Management server
sequentially
receives a certificate request.
[0045] S103, verify the corresponding seller information for the current
certificate request, if the
verification is passed, performing step S104, otherwise, executing step S105.
[0046] Specifically, this step includes requesting verification of seller's
identity information and /
or seller's account information for all received receipts. Wherein, the
seller's identity
information through the verification of mobile phone dynamic code to achieve
or through
electronic signature verification. Mobile phone dynamic code is the use of
mobile phone as
a random password to generate or accept the terminal, mobile phone dynamic
code is a
one-time effective password security measures, and it can greatly enhance the
user
authentication or transaction security. If the verification is successful, the
corresponding
bank credit certificate is received. If the verification fails, the
corresponding electronic
certificate is not received, and of course, the second client may also be fed
back the
information that the verification fails.
[0047] S104: Receive an electronic certificate corresponding to the current
certificate request.
[0048] Specifically, this step includes: registering the corresponding
electronic certificate through
the current certificate request verified by the seller information, and
updating the status of
the electronic certificate corresponding to the current certificate request as
the received
card.
[0049] S105. Determine whether the current certificate request is the last
certificate acceptance
request, and if yes, end the process; otherwise, return to step S102.
[0050] In the example of the present invention, the second fund server
delivers a certificate
collection request and the second fund server verifies the seller's
information to realize the
selective payment by the seller, and it can reduce the error rate of the
network payment and
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reduce the transaction risk of buyers and sellers.
[0051] Example 2
[0052] As shown in Figure 2, an electronic certificate collection method
provided in an example
of the present invention includes the following steps:
[0053] S201: the second client delivers at least two certificate collection
requests to the second
Funds-Management server
[0054] S202, the second Funds-Management server sequentially receives a
certificate request.
[0055] S203, requesting verification of the corresponding seller identity
information and / or
account information for the current certificate, if yes, proceeding to step
S204, otherwise
executing step S208.
[0056] S204, the current certificate request corresponds to the electronic
certificate to be
registered, and update the status of the electronic certificate corresponding
to the current
certificate request as received card.
[0057] S205: Generate a notification that the electronic certificate
corresponding to the current
certificate request has been received, and deliver the notification to the
corresponding first
Funds-Management server.
[0058] S206, determine whether the current certificate request is the last
certificate request, if yes,
executing step S207; otherwise, returning to step S202.
[0059] S207, end the process.
[0060] In this example of the present invention, based on the foregoing
Example 1, the second
Funds-Management server generates a received certificate notification after
each electronic
certificate is received and delivers the certificate to the corresponding
first
Funds-Management server, so that electronic certificate smoothly into the
follow-up.
[0061] Example 3
[0062] As shown in Figure 3, an electronic certificate collection method
provided in an example
of the present invention includes the following steps:
[0063] S301: the second client delivers at least two certificate collection
requests to the second
Funds-Management server
[0064] S302, the second Funds-Management server sequentially receives a
certificate request.
[0065] S303. Request verification of the corresponding seller identity
information and / or account
information for the current certificate, if yes, proceeding to step S304,
otherwise executing
step S305.
[0066] S304, the current certificate request corresponds to the electronic
certificate to be
registered, and update the status of the electronic certificate corresponding
to the current
certificate request as received card.
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[0067] S305, determine whether the current certificate request is the last
certificate request, if yes,
executing step S306; otherwise, returning to step S302.
[0068] S306: Generate a received certificate notification for all validated
certificate requests.
[0069] S307: Deliver all generated received certificate notifications in
batches to the
corresponding first Funds-Management server.
[0070] In the example of the present invention, on the basis of the first
example described above,
after all electronic certificates are received in turn, the collected receipts
are collectively
generated and batch delivered to the corresponding first Funds-Management
server so that
the electronic certificate smoothly into the follow-up at the same time, it
further improve
the collection efficiency.
[0071] Example 4
[0072] As shown in Figure 4, a method for certificate collection of an
electronic certificate
provided by an example of the present invention is applied to a second Funds-
Management
server, and the method includes the following steps:
[0073] S401: the second Funds-Management server sequentially receives one
certification request
from at least two certification requests delivered by the second client.
[0074] S402, verify the corresponding seller information for the current
certificate request, if the
verification is passed, performing step S403, otherwise, executing step S404;
[0075] S403, receiving the current certificate request corresponding to the
electronic certificate;
[0076] S404, determine whether the current certificate request is the last
certificate request, if yes,
ending the flow; otherwise, returning to step S402.
[0077] In the example of the present invention, the second money server
verifies the seller's
information and the credit card by sequentially receiving the certificate
collection request,
thereby realizing the selective receipt of the seller and reducing the error
rate of the
network payment.
[0078]
[0079] Example 5
[0080] As shown in Figure 5, a method for certificate collection of an
electronic certificate
provided by an example of the present invention is applied to a second Funds-
Management
server, and the method includes the following steps:
[0081] S501: the second Funds-Management server sequentially receives one
certification request
from at least two certification requests delivered by the second client.
[0082] S502. Request verification of the corresponding seller identity
information and / or account
information for the current certificate, if yes, proceeding to step S504,
otherwise executing
step S506.
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[0083] S503, the current certificate request corresponds to the electronic
certificate to be
registered, and update the status of the electronic certificate corresponding
to the current
certificate request as received card.
[0084] S504: Generate a received card notification for the electronic
certificate corresponding to
the current certificate request.
[0085] S505: Deliver the generated received card notification to the
corresponding first
Funds-Management server.
[0086] S506: Determine whether the current certificate request is the last
certificate request, and if
yes, execute step S507; otherwise, return to step S502.
[0087] S507, end the process.
[0088] In this example of the present invention, based on the foregoing
Example 1, the second
Funds-Management server generates a received certificate notification after
each electronic
certificate is received and delivers the certificate to the corresponding
first
Funds-Management server, so that electronic certificate smoothly into the
follow-up.
[0089] Example 6
[0090] As shown in Figure 6, a method for certificate collection of an
electronic certificate
provided by an example of the present invention is applied to a second Funds-
Management
server, and the method includes the following steps:
[0091] S601, receives at least one of the two receiving requests from the
second client.
[0092] S602, Request verification of the corresponding seller identity
information and / or account
information for the current certificate, if yes, proceeding to step S603,
otherwise executing
step S604.
[0093] S603, the current certificate request corresponds to the electronic
certificate to be
registered, and update the status of the electronic certificate corresponding
to the current
certificate request as received card.
[0094] S604. Determine whether the current certification request is the last
certification request,
and if yes, execute step S605; otherwise, return to step S601.
[0095] S605: Generate a received certificate notification for all validated
certificate requests.
[0096] S606: Deliver all generated received certificate notifications in
batches to the
corresponding first Funds-Management server.
[0097] In the example of the present invention, on the basis of the first
example described above,
after all electronic certificates are received in turn, the collected receipts
are collectively
generated and batch delivered to the corresponding first Funds-Management
server so that
the electronic certificate smoothly into the follow-up at the same time, it
further improve
the collection efficiency.
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[0098] Example 7
[0099] As shown in Figure 7, a device for certificate collection of an
electronic certificate
provided by an example of the present invention is applied to a second Funds-
Management
server. The device includes the following modules:
[0100] The receiving module 201 is used to sequentially receive one of the at
least two certificate
issuing requests delivered by the second client.
[0101] The verification module 202 is used to request seller information
corresponding to the
current certification request verification.
[0102] Specifically, the verification module 202 is used to request
verification of seller's identity
information and / or seller's account information for all the received
receipts. Wherein, the
seller's identity verification information can be achieved by mobile phone
dynamic code or
by electronic signature verification. Mobile phone dynamic code is the use of
mobile phone
as a random password to generate or accept the terminal, mobile phone dynamic
code is a
one-time effective password security measures, and it can greatly enhance the
user
authentication or transaction security. If the verification is successful, the
corresponding
bank credit certificate is received. If the verification fails, the
corresponding electronic
certificate is not received, and of course, the second client may also be fed
back the
information that the verification fails.
[0103] The processing module 203 is used to receive the electronic certificate
corresponding to the
current certificate request when the current certificate request passes the
verification.
[0104] Specifically, the processing module 203 is specifically used to:
register the electronic
certificate corresponding to all the certificate requests verified by the
seller information,
and update the status of the electronic certificate corresponding to the
current certificate
request as received.
[0105] The judging module 204 is used to judge whether the received
certificate request is the last
certificate request, and if yes, end the process; if not, notify the receiver
module 201 to
receive the next certificate request.
[0106] Please refer to Figure 8, as a preferred solution, the electronic
certificate is successfully
entered in a subsequent stage, and the device further includes:
[0107] The first generating module 205 is used to generate a received card
notification for the
current certificate request;
[0108] The first delivery module 206 is used to deliver the generated received
card notification to
the corresponding first Funds-Management server.
[0109] Please refer g to Figure 9, as another preferred solution, in order to
make the electronic
certificate smoothly enter the subsequent steps and further improve the
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efficiency, the device also includes:
[0110] The second generating module 207 generates a received certificate
notification for all
validated certificate requests;
[0111] The second delivery module 208 delivers all generated received
certificate notifications in
batches to the corresponding first Funds-Management server.
[0112] It should be noted that the device in this example belongs to the same
technical idea as the
foregoing method examples 4 to 6, and the technical features in the foregoing
method
examples are applicable in both the present system and the device, and will
not be repeated
here.
[0113] Example 8
[0114] As shown in Figure 10, an electronic certificate collection system
provided in an example
of the present invention includes a second client and a second Funds-
Management server,
wherein:
[0115] The second Client 10 is used to deliver at least two issuing requests
to a second
Funds-Management server.
[0116] Specifically, after the seller confirms the order, the second client
initiates at least two
certificate collection requests to the second Funds-Management server in
batches. The
certificate request includes at least the electronic certificate information
and the seller
information, the electronic certificate information at least includes the
electronic certificate
number, and may also include any combination of one or more of the following
parameters: payment aging, transaction object information, settlement rate, on
Card
information, issuing amount, performance period, receipt period, electronic
certificate
model and settlement mode and so on. Seller information includes seller
identification
information and / or seller account information.
[0117] The second Funds-Management server20 is used to sequentially receive a
certificate
collection request. The seller information corresponding to the current
certificate
verification request is verified, and the electronic certificate corresponding
to the current
certificate verification request is received. It is also set to determine
whether the current
receipt request is the last receiving request, and if so, the process is
completed or the next
collection request is received.
[0118] In some preferred examples, in order to make the electronic certificate
go to the next step,
the second Funds-Management server20 is also used to: when the current
certificate
request passes the verification, generate a received certificate notification
for the current
certificate request, and delivers the generated received card notification to
the
corresponding first Funds-Management server.
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[0119] In order to further improve the collection efficiency while making the
electronic certificate
go smoothly, the second Funds-Management server20 can also be used to generate
the
received notification for all the approved collection requests. Deliver all
generated
notifications to the corresponding first Funds-Management server.
[0120] It can be understood that, the second Funds-Management server 20
includes the device in
the foregoing Example 7, and the technical features described in Example 1, 2
and 3 of the
foregoing methods are all applicable in the present system and will not be
repeated here.
[0121] The present invention provides a method, device and system of
electronic certificate
collection. The second fund server verifies the seller's information through
the second
client delivering the deposit request, to achieve the seller's selective
collection, it can
reduce the error rate of network payment and reduce the transaction risk of
buyers and
sellers.
[0122] A person of skill in the art considers the problems disclosed herein
and sought to be solved
by the present disclosure to be exclusively computer problems and contemplates
only
solutions to those problems that include essential computer elements. Abstract
ideas, mere
schemes, plans, rules, or mental processes that do not include computer
elements are
expressly excluded from this application.
[0123] The general technicians of this field can understand and implement all
or parts of steps in
the above-mentioned examples that can complete the procedure by controlling
relevant
hardware, and the said procedure can be stored in a readable storage media of
a computer
such as ROM/RAM, disk and light disk.
[0124] The preferred examples of the present invention have been described
above with reference
to the accompanying drawings, which are not to limit the scope of the present
invention.
without departing from the scope and spirit of the invention, there are
various
modifications to realize the example, such as the character of one example may
be
implemented in another example, and then another example occurs Any
modifications,
equivalents, and modifications that come within the technical concept of the
invention are
intended to be within the right scope of the invention.
Industrial utility
[0125] The present invention provides a method, device and system of
electronic certificate
collection. The second fund server verifies the seller's information through
the second
client delivering the deposit request, to achieve the seller's selective
collection, it can
reduce the error rate of network payment and reduce the transaction risk of
buyers and
sellers.
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Date Recue/Date Received 2020-06-10

Representative Drawing