Note: Descriptions are shown in the official language in which they were submitted.
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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
certificate authentication method, 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] The second client delivers at least two certificate collection requests
to the second
Funds-Management server
[0008] The second Funds-Management server in batch receive all admission
request;
[0009] Verify the seller's information with all the receiving certificates;
[0010] Receives all the certificate information verified by the seller
information request
corresponding electronic certificate.
[0011] 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:
[0012] Batch receiving all the at least two certificate request delivered by
the second client
request;
[0013] Verify the seller's information with all the receiving certificates;
[0014] Receives all the certificate information verified by the seller
information request
corresponding electronic certificate.
[0015] 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:
[0016] A second client is used to deliver at least two issuing requests to a
second
Funds-Management server;
[0017] A second Funds-Management server is used to receive in bulk all the at
least two
certification requests delivered by the second client; and also used to:
verify the seller
information for all the received certification requests; and receive all
electronic certificates
verified by the seller's information request the corresponding electronic
certificate.
[0018] According to another aspect of the present invention, an electronic
certificate collection
device is provided for a second Funds-Management server. The device includes
the
following modules:
[0019] A receiving module is used to receive in batch all the at least two
certification requests
delivered by the second client;
[0020] A verification module is used to verify seller information for all
received receipts;
[0021] The processing module is used to receive the electronic certificate
corresponding to all the
certification requests verified by the seller information.
The beneficial effect of the invention
Beneficial effect
[0022] The electronic certificate receiving method, device and system provided
by the present
invention, the second client to deliver a certificate request and the second
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Funds-Management server to verify the seller information to achieve the seller
selective
payment, and can reduce the error rate of online payment, and reduce the
transaction risk
between buyers and sellers. At the same time, the efficiency of collection of
receipts can be
further enhanced by delivering and batch-processing receipt requests in
batches.
A brief description of the drawings
Brief Description
[0023] Figure 1 is a flowchart of a method for certificate collection of an
electronic certificate
according to Example One of the present invention.
[0024] Figure 2 is a flowchart of a method for certificate collection of an
electronic certificate
according to Example Two of the present invention.
[0025] Figure 3 is a flow chart of a method for receiving certificate of an
electronic certificate
provided in Example Three of the present invention.
[0026] Figure 4 is a flow chart of a method for certificate collection of an
electronic certificate
according to Example Four of the present invention.
[0027] Figure 5 is a module structure diagram of an electronic certificate
collection device
according to Example Five of the present invention.
[0028] Figure 6 is a module structure diagram of another electronic
certificate collection device
according to Example Five of the present invention.
[0029] Figure 7 is a structural diagram of an electronic certificate
collection system provided by
Example Six of the present invention.
Examples of the Invention
Implementation pattern of the present invention
[0030] 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.
[0031] In the example of the present invention, the electronic certificate is
applied for by the buyer
to the funds management institution for the account funds or the credit limit
as the deposit,
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.
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The electronic certificate can be purchased not only for buying commodity, but
also be
used for mortgage guarantees. A fund management institution is an institution
that can
support capital flows, including but not limited to banks and other financial
institutions
(such as securities institutions). 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 fmancial institution.
[0032] The process of an online payment transaction through an electronic
certificate is generally
as follows: After the buyer and the seller form an order, the buyer applies to
a first
Funds-Management server (a server of issuing funds management institution)
through a
first client (issuing terminal) issuing. Of course, the buyer can also take
the initiative to
apply for a license without a transaction order. After the first Funds-
Management server
accepts the application, it opens an electronic certificate according to the
issuing
application and freezes the funds or credit line of the buyer's account for
the corresponding
amount. After the seller confirms the order, he / she applies to the second
Funds-Management server (the server of the funds management institution) via
the second
client (receiving end), and the second Funds-Management server verifies the
information
and receives the certificate. Electronic certificate into compliance period,
waiting for the
seller to deliver commodity or provide services. After the seller fulfils the
contract during
the performance period, the second Funds-Management server submits the
fulfilment
information (such as logistics number), the second Funds-Management server
changes the
status of the electronic certificate, and the electronic certificate enters
the period of receipt
and waits for the buyer to sign for the commodity. When the buyer signs the
commodity
within the period of receipt, that is to say, the seller completes the
corresponding
transaction conditions according to the settlement conditions of the
electronic certificate,
and the electronic certificate enters the settlement period. The seller
applies for the second
Funds-Management server to apply for the settlement to the first Funds-
Management
server within the time limit for applying for settlement, and after the first
Funds-Management server determines that the conditions for the settlement have
been
reached, the funds or credit of the frozen amount of the buyer's account is
released The
funds will be transferred to the second Funds-Management server, and the funds
will be
transferred by the second Funds-Management server into the seller's designated
receiving
account (i.e., the collecting account). At this point, the completion of
online payment, the
entire transaction is completed.
[0033] 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
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receipt, performance, apply for payment of the deadline, if the corresponding
action is not
performed, the electronic certificate shall be invalid.
[0034] 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.
[0035] Example 1
[0036] As shown in Figure 1, a method for certificate collection of an
electronic certificate
provided in an example of the present invention includes the following steps:
[0037] S101: the second client delivers at least two certificate collection
requests to the second
Funds-Management server
[0038] 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. For example, in the case of a
card receipt
(i.e., the seller has an account 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 a cardless receipt (i.e., the seller has no
account receipt 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.
[0039] S102, the second Funds-Management server in batch receive all admission
request.
Specifically, after the second Funds-Management server receives all the
receipt requests in
batches, the second Funds-Management server processes the receipt requests
again in
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batches, thus improving the processing efficiency.
[0040] S103, verify the seller's information with all the receiving
certificates.
[0041] Specifically, this step includes requesting verification of seller's
identity information and /
or seller's account information for all received certificates. 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.
[0042] S104: Receive all the certificate information verified by the seller
information request
corresponding electronic certificate.
[0043] Specifically, in this step, the electronic certificate corresponding to
all certificate requests
verified by the seller information can be batchly registered, and the status
of the
corresponding electronic certificate can be updated as received. In addition,
the verification
of all the electronic certificate corresponding to the receipt request is
registered, and the
status of the corresponding electronic certificate is updated as received.
[0044] In this example of the present invention, the second Funds-Management
server verifies the
seller information through the second client delivering the certificate
receiving request,
thereby realizing the selective payment by the seller and reducing the error
rate of the
network payment and reduce the risk of trading between buyers and sellers; the
same time,
through the batch
[0045] Deliver and batch processing certificate request, it can further
improve the collection
efficiency.
[0046] Example 2
[0047] As shown in Figure 2, a method for certificate collection of an
electronic certificate
provided in an example of the present invention includes the following steps:
[0048] S201: the second client delivers at least two certificate collection
requests to the second
Funds-Management server
[0049] S202, the second Funds-Management server in batch receive all admission
request.
[0050] S203, verify the seller's identity information with all the receiving
certificates.
[0051] S204: verify the seller's account information with all the receiving
certificates.
[0052] S205, batches of electronic certificates corresponding to all
certificate requests verified by
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the seller's identity and account information are registered, and the status
of the
corresponding electronic certificate is updated as received.
[0053] S206: Generate a received certificate notification for all receipts
that are validated by the
seller's identity and account information.
[0054] S207: Deliver all received card notifications to the corresponding
first Funds-Management
server.
[0055] The first Funds-Management server corresponding to all the electronic
certificates may
belong to the same Funds-Management server, and may also belong to different
multiple
Funds-Management servers.
[0056] In the example of the present invention, on the basis of the first
example, the receiving
efficiency can be also improved by receiving the batch certificate through
verifying the
electronic certificate and generating the received certificate in batches. And
by forwarding
the receipt has been notified to the first Funds-Management server to
successfully enter the
successor.
[0057] Example 3
[0058] As shown in Figure 3, a method for certificate collection of an
electronic certificate
provided in an example of the present invention includes the following steps:
[0059] S301: the second client delivers at least two certificate collection
requests to the second
Funds-Management server
[0060] S302, the second Funds-Management server in batch receive all admission
request.
[0061] S303: verify the seller's identity information and account information
with all received
certificates.
[0062] S304, sequentially registering the corresponding electronic certificate
for all certificate
requests verified by the seller's identity and the account information, and
the status of the
corresponding electronic certificate is updated as received.
[0063] S305: Generate a received certificate notification for all receipts
that are validated by the
seller's identity and account information.
[0064] S306: Deliver all received card notifications to the corresponding
first Funds-Management
server.
[0065] The first Funds-Management server corresponding to all the electronic
certificates may
belong to the same Funds-Management server, and may also belong to different
multiple
Funds-Management servers.
[0066] In the example of the present invention, on the basis of the first
example, a received
certificate is generated by receiving the verified electronic certificate in
sequence and then
being forwarded to the first Funds-Management server to smoothly enter the
subsequent
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steps.
[0067] Example 4
[0068] 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:
[0069] S401: Batch receiving all the at least two certification requests
delivered by the second
client.
[0070] S402: verify all the seller's information with all the receiving
certificates.
[0071] Specifically, this step includes requesting verification of seller's
identity information and /
or seller's account information for all received certificates. 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.
[0072] S403: Receive all the certificate information verified by the seller
information request
corresponding electronic certificate.
[0073] Specifically, in this step, the electronic certificate corresponding to
all certificate requests
verified by the seller information can be batchly registered, and the status
of the
corresponding electronic certificate can be updated as received. In addition,
the verification
of all the electronic certificate corresponding to the receipt request is
registered, and the
status of the corresponding electronic certificate is updated as received.
[0074] S404: Generate a received certificate notification for all receipts
that are validated by the
seller's information.
[0075] S405: Deliver all received card notifications to the corresponding
first Funds-Management
server.
[0076] The first Funds-Management server refers to a Funds-Management server
for issuing an
electronic certificate, and all electronic certificates in a batch certificate
may belong to a
same first Funds-Management server or may belong to different multiple firsts
Funds-Management server.
[0077] In this example of the present invention, the batch receipt and batch
processing of the
certificate collection request through the second Funds-Management server can
improve
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the efficiency of certificate collection. In addition, through the batch
generated certificate
received and forwarded to the first Funds-Management server so that the
electronic
certificate smoothly into the successor.
[0078] Example 5
[0079] As shown in Figure 5, a device for certificate collection of an
electronic certificate
provided in an example of the present invention is applied to a second Funds-
Management
server, where the device includes the following modules:
[0080] The receiving module 201 is used to receive all the certificate
collection requests in the at
least two certificate collection requests delivered by the second client in
batches.
[0081] The verification module 202 is used to verify seller information for
all received receipts.
[0082] 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.
[0083] The processing module 203 is used to receive the electronic certificate
corresponding to all
the certification requests verified by the seller information.
[0084] Specifically, the processing module 203 is specifically used to: the
electronic certificate
corresponding to all certificate requests verified by the seller information
can be batchly
registered, and the status of the corresponding electronic certificate can be
updated as
received. Or the verification of all the electronic certificate corresponding
to the receipt
request is registered, and the status of the corresponding electronic
certificate is updated as
received.
[0085] Please refer to Figure 6, as a preferred example, the device may also
include a generating
module 204 and a delivery module 205, wherein:
[0086] The generating module 204 is used to generate a received card
notification for all card
validations requested by the seller information.
[0087] Specifically, the generating module 204 may be used to batch generate
the received card
notification for all the card receipts verified by the seller information, and
may also
generate the card receipt notification sequentially for all card receipts
verified by the seller
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information.
[0088] The delivery module 205 is used to deliver the received card
notification to the
corresponding first Funds-Management server.
[0089] It should be noted that, the fourth example of the method and the fifth
example belong to
the same technical concept, and the technical features of the method examples
are
applicable to both the present system and the device and will not be repeated
here.
[0090] Example 6
[0091] As shown in Figure 7, an electronic certificate collection system
provided in an example of
the present invention includes a second client and a second Funds-Management
server,
wherein:
[0092] The second Client 10 is used to deliver at least two issuing requests
to a second
Funds-Management server.
[0093] 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.
[0094] The second Funds-Management server20 is used to receive in bulk all the
at least two
certification requests delivered by the second client; and also used to:
verify the seller
information for all the received certification requests; and receive all
electronic certificates
verified by the seller's information request the corresponding electronic
certificate.
[0095] Specifically, the second Funds-Management server20 may batchly register
the electronic
certificate corresponding to all certificate requests verified by the seller
information, and
the status of the corresponding electronic certificate can be updated as
received. In
addition, the verification of all the electronic certificate corresponding to
the receipt
request is registered, and the status of the corresponding electronic
certificate is updated as
received.
[0096] In some preferred examples, the second Funds-Management server20 is
also used to:
generate a received certificate request for all certificate requests verified
by the seller
information, and deliver all received card notifications to the corresponding
first
Funds-Management server. In addition, so that electronic certificate
successfully entered
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the successor.
[0097] It should be noted that the first example, the second example, and the
third example belong
to the same technical concept as the system in the sixth example, and the
technical features
of the method examples are applicable to both the system and the device, and
will not be
repeated here.
[0098] In this example of the present invention, the second Funds-Management
server verifies the
seller information by delivering the certificate collection request by the
second client,
thereby realizing the selective receipt by the seller and reducing the error
rate of the
network payment and the reduction of trading The transaction risk of both
parties; at the
same time, the efficiency of collection of certificates can be further
enhanced by delivering
and batch processing of collection requests in batches.
[0099] 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.
[0100] 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
[0101] The electronic certificate receiving method, device and system provided
by the present
invention, the second client to deliver a certificate request and the second
Funds-Management server to verify the seller information to achieve the seller
selective
payment, and can reduce the error rate of online payment, and reduce the
transaction risk
between buyers and sellers. At the same time, the efficiency of collection of
receipts can be
further enhanced by delivering and batch-processing receipt requests in
batches.
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