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Patent 2993105 Summary

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(12) Patent: (11) CA 2993105
(54) English Title: ELECTRONIC CERTIFICATE RECEIVING METHOD AND DEVICE
(54) French Title: PROCEDE ET DISPOSITIF DE RECEPTION DE CERTIFICAT ELECTRONIQUE
Status: Granted
Bibliographic Data
Abstracts

English Abstract

Disclosed are an electronic certificate receiving method and device, belonging to the technical field of Internet finance. The method comprises: a second terminal receives and stores a preset receiving condition of a seller; the second terminal receives a receiving notification sent by a notification end, the receiving notification comprising electronic certificate information; the second terminal compares whether the receiving condition is met according to the electronic certificate information and the receiving condition, and if the receiving condition is met, sends a receiving application to a second funds management server. In the present invention, the second terminal screens electronic certificates meeting the condition and performs collection, and eliminates electronic certificates not meeting a transaction condition, satisfying requirements of the seller for screening and filtering transaction orders and transaction objects, and thereby implementing selective receiving by the seller.


French Abstract

L'invention concerne un procédé et un dispositif de réception de certificat électronique, appartenant au domaine technique de la finance par Internet. Le procédé comprend les étapes suivantes : un second terminal reçoit et stocke une condition de réception prédéfinie d'un vendeur ; le second terminal reçoit une notification de réception envoyée par un terminal de notification, la notification de réception comprenant des informations de certificat électronique ; le second terminal effectue une comparaison pour déterminer si la condition de réception est satisfaite selon les informations de certificat électronique et la condition de réception, et si la condition de réception est satisfaite, envoie une application de réception à un second serveur de gestion de fonds. Dans la présente invention, le second terminal balaie des certificats électroniques satisfaisant à la condition et effectue une collecte, et élimine les certificats électroniques ne satisfaisant pas à une condition de transaction, ce qui répond aux exigences du vendeur pour un balayage et un filtrage d'ordres de transaction et d'objets de transaction, et met ainsi en uvre une réception sélective par le vendeur.

Claims

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


Claims:
1. A computer system for receiving electronic certificate in an electronic
transaction and
transferring possession of a commodity from a seller to a buyer, the system
comprising:
a second terminal configured to:
receive and store a pre-set condition for receiving the electronic certificate

from the seller, wherein the electronic certificate is generated by freezing
funds in a buyer's account as per the pre-set condition;
receive a notice of pending receipt from a notification terminal, wherein the
notice of pending receipt includes electronic certificate information;
compare the electronic certificate information with the pre-set condition for
receiving electronic certificate to check whether the electronic certificate
information meets the pre-set condition; and
where if the electronic certificate information meets the pre-set condition,
deliver a request to a first terminal for receiving the electronic certificate

corresponding to the notice of pending receipt to a second Funds-Management
server, thereby selecting the qualified electronic certificate and releasing
the
frozen funds in the buyer's account into the seller's account, to meet
seller's
demand to deliver a transaction object;
the second Funds-Management server configured to receive request for receiving
the
electronic certificate from the second terminal.
2. The system of claim 1, wherein the pre-set condition includes a
white list of transaction
objects.
14
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3. The system of claim 1, wherein the pre-set condition includes a blacklist
of transaction
objects.
4. The system of claim 2, wherein the second terminal is further configured to
determine
whether the transaction objects of the electronic certificate is in the white
list of transaction
objects.
5. The system of claim 4, where if the transaction objects of the
electronic certificate is in the
white list of transaction object, wherein the second terminal is configured to
deliver the
request for receiving the electronic certificate to the second Funds-
Management server.
6. The system of any one of claims 2 to 5, wherein the second terminal is
further configured to
determine whether the transaction objects of the electronic certificate is in
a blacklist of
transaction objects.
7. The system of claim 6, where if the transaction objects of the
electronic certificate is in the
blacklist of transaction object, wherein the second terminal is configured to
refuse the
electronic certificate.
8. The system of claim 1, wherein the pre-set condition further includes a
plurality of receivable
parameters.
9. The system of claim 1, wherein the pre-set condition further includes a
plurality of rejected
parameters.
10. The system of any one of claims 8 to 9, wherein a parameter includes an
issuing date of the
electronic certificate.
11. The system of any one of claims 8 to9, wherein a parameter includes
transaction object
information.
Date recue / Date received 2021-11-22

12. The system of any one of claims 8 to 9, wherein a parameter includes a
settlement rate.
13. The system of any one of claims 8 to 9, wherein a parameter includes
financial institution
information for issuing electronic certificate.
14. The system of any one of claims 8 to 9, wherein a parameter includes an
amount of funds for
issuing electronic certificate.
15. The system of any one of claims 8 to 9, wherein a parameter includes a
performance period.
16. The system of any one of claims 8 to 15, wherein a parameter includes a
receipt period.
17. The system of any one of claims 8 to 9, wherein a parameter includes an
electronic certificate
model.
18. The system of any one of claims 8 to 9, wherein a parameter includes a
settlement mode.
19. The system of any one of claims 8 to 9, wherein a parameter includes a
transaction order
number.
20. The system of claim 6, where if the transaction objects of the electronic
certificate are not
being part of the white list and the black list of transaction object, wherein
the second
terminal is further configured to determine whether the electronic certificate
information
meets the plurality of receivable parameters and the plurality of rejected
parameters.
21. The system of any one of claims 1 to 20, wherein the second terminal is
further configured to
deliver a notification for refusing to receive the electronic certificate to
the notification
terminal when the electronic certificate information fails to meet the pre-set
condition.
22. The system of any one of claims 1 to 21, wherein the notification terminal
includes a first
Funds-Management server.
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Date recue / Date received 2021-11-22

23. The system of any one of claims 1 to 21, wherein the notification terminal
includes a second
Funds-Management server.
24. The system of any one of claims 1 to 21, wherein the notification terminal
includes a first
terminal.
25. A computer implemented method for receiving electronic certificate in an
electronic
transaction and transferring possession of a commodity from a seller to a
buyer, the method
comprising:
a second terminal receives and stores a pre-set condition for receiving the
electronic
certificate from the seller, wherein the electronic certificate is generated
by freezing
funds in a buyer's account as per the pre-set condition;
the second terminal receives a notice of pending receipt from a notification
terminal,
wherein the notice of pending receipt includes electronic certificate
information;
the second terminal compares the electronic certificate information with the
pre-set
condition for receiving electronic certificate to check whether the electronic
certificate
information meets the pre-set condition; and
where if the electronic certificate information meets the pre-set condition,
delivering a
request to a first terminal for receiving the electronic certificate
corresponding to the
notice of pending receipt, thereby selecting the qualified electronic
certificate and
releasing the frozen funds in the buyer's account into the seller's account,
to meet seller's
demand to deliver a transaction object.
26. The method of claim 25, wherein the pre-set condition includes a white
list of transaction
objects.
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27. The method of claim 25, wherein the pre-set condition includes a blacklist
of transaction
objects.
28. The method of claim 26, further includes that the second terminal
determines whether the
transaction objects of the electronic certificate is in the white list of
transaction object.
29. The method of claim 28, where if the transaction objects of the electronic
certificate is in the
white list of transaction object, further includes that the second terminal
delivers the request
for receiving the electronic certificate to the second Funds-Management
server.
30. The method of claim 27 further includes that the second terminal
determines whether the
transaction objects of the electronic certificate is in the blacklist of
transaction object.
31. The method of claim 30, where if the transaction objects of the electronic
certificate is in the
blacklist of transaction object, further includes that the second terminal
refuses the electronic
certificate.
32. The method of claim 25, wherein the pre-set condition further includes a
plurality of
receivable parameters.
33. The method of claim 25, wherein the pre-set condition further includes a
plurality of rejected
parameters.
34. The method of any one of claims 32 to 33, wherein a parameter includes an
issuing date of
the electronic certificate.
35. The method of any one of claims 32 to 33, wherein a parameter includes
transaction object
information.
36. The method of any one of claims 32 to 33, wherein a parameter includes a
settlement rate.
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Date recue / Date received 2021-11-22

37. The method of any one of claims 32 to 33, wherein a parameter includes
financial institution
information for issuing electronic certificate.
38. The method of any one of claims 32 to 33, wherein a parameter includes an
amount of funds
for issuing electronic certificate.
39. The method of any one of claims 32 to 33, wherein a parameter includes a
performance
period.
40. The method of any one of claims 32 to 33, wherein a parameter includes a
receipt period.
41. The method of any one of claims 32 to 33, wherein a parameter includes an
electronic
certificate model.
42. The method of any one of claims 32 to 33, wherein a parameter includes a
settlement mode.
43. The method of any one of claims 32 to 33, wherein a parameter includes a
transaction order
number.
44. The method of any one of claims 27 to 43, where if the transaction objects
of the electronic
certificate is not being part of the white list and the black list of
transaction object, further
includes that the second terminal determines whether the electronic
certificate information
meets the plurality of receivable parameters and the plurality of rejected
parameters.
45. The method of any one of claims 25 to 44 further includes delivering a
notification for
refusing to receive the electronic certificate to the notification terminal
when the electronic
certificate information fails to meet the pre-set condition.
46. The method of any one of claims 25 to 45, wherein the notification
terminal includes a first
Funds-Management server.
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47. The method of any one of claims 25 to 45,wherein the notification terminal
includes a second
Funds-Management server.
48. The method of any one of claims 25 to 45,wherein the notification terminal
includes a first
terminal.
49. A computer implemented method for receiving electronic certificate in an
electronic
transaction and transferring possession of a commodity from a seller to a
buyer, the method
comprising:
storing a pre-set condition for receiving the electronic certificate when
receiving the pre-
set condition for receiving electronic certificate from the seller, wherein
the electronic
certificate is generated by freezing funds in a buyer's account as per the pre-
set
condition;
receiving a notice of pending receipt from a notification terminal, wherein
the notice of
pending receipt includes electronic certificate information;
comparing the electronic certificate information with the pre-set condition
for receiving
electronic certificate to check whether the electronic certificate information
meets the
pre-set condition; and
where if the electronic certificate information meets the pre-set condition,
delivering a
request to a first terminal for receiving the electronic certificate
corresponding to the
notice of pending receipt to a second Funds-Management server, thereby
selecting the
qualified electronic certificate and releasing the frozen funds in the buyer's
account into
the seller's account, to meet seller's demand to deliver a transaction object.
50. The method of claim 49, wherein the pre-set condition includes a white
list of transaction
objects.
Date recue / Date received 2021-11-22

51. The method of claim 49, wherein the pre-set condition includes a blacklist
of transaction
objects.
52. The method of claim 50 further includes determining whether the
transaction objects of the
electronic certificate is in the white list of transaction object.
53. The method of claim 52, where if the transaction objects of the electronic
certificate is in the
white list of transaction object, delivering the request for receiving the
electronic certificate
to the second Funds-Management server.
54. The method of claim51 further includes determining whether the transaction
objects of the
electronic certificate is in the blacklist of transaction object.
55. The method of claim 54, further includes refusing the electronic
certificate where if the
transaction objects of the electronic certificate is in the blacklist of
transaction object.
56. The method of claim 49, wherein the pre-set condition further includes a
plurality of
receivable parameters.
57. The method of claim 49, wherein the pre-set condition further includes a
plurality of rejected
parameters.
58. The method of any one of claims 56 to 57, wherein a parameter includes an
issuing date of
the electronic certificate.
59. The method of any one of claims 56 to 57, wherein a parameter includes
transaction object
infomiation.
60. The method of any one of claims 56 to 57, wherein a parameter includes a
settlement rate.
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Date recue / Date received 2021-11-22

61. The method of any one of claims 56 to 57, wherein a parameter includes
financial institution
information for issuing electronic certificate.
62. The method of any one of claims 56 to 57, wherein a parameter includes an
amount of funds
for issuing electronic certificate.
63. The method of any one of claims 56 to 57, wherein a parameter includes a
performance
period.
64. The method of any one of claims 56 to 57, wherein a parameter includes a
receipt period.
65. The method of any one of claims 56 to 57, wherein a parameter includes an
electronic
certificate model.
66. The method of any one of claims 56 to 57, wherein a parameter includes a
settlement mode.
67. The method of any one of claims 56 to 57, wherein a parameter includes a
transaction order
number.
68. The method of any one of claims 57 to 67, further includes determining
whether the
electronic certificate information meets the plurality of receivable
parameters and the
plurality of rejected parameters, where if the transaction objects of the
electronic certificate is
not being part of the white list and the black list of transaction object.
69. The method of any one of claims 49 to 68, further includes delivering a
notification for
refusing to receive the electronic certificate to the notification terminal
when the electronic
certificate information fails to meet the pre-set condition.
70. The method of any one of claims 49 to 69, wherein the notification
terminal includes a first
Funds-Management server.
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71. The method of any one of claims 49 to 69, wherein the notification
terminal includes a
second Funds-Management server.
72. The method of any one of claims 49 to 69, wherein the notification
terminal includes a first
terminal.
73. A computer implemented device for receiving electronic certificate in an
electronic
transaction and transferring possession of a commodity from a seller to a
buyer, the device
comprising:
a setting module configured to receive and store a pre-set condition for
receiving the
electronic certificate from the seller, wherein the electronic certificate is
generated by
freezing funds in the buyer's account as per the pre-set condition;
a receiving module configured to receive a notice of pending receipt from a
notification
terminal, wherein the notice of pending receipt includes electronic
certificate
information;
a comparison module configured to compare the electronic certificate
information with
the pre-set condition for receiving electronic certificate to check whether
the electronic
certificate information meets the pre-set condition; and
a request module configured deliver a request to a first terminal for
receiving the
electronic certificate corresponding to the notice of pending receipt to a
second Funds-
Management server, thereby selecting the qualified electronic certificate and
releasing
the frozen funds in the buyer's account into the seller's account, to meet
seller's demand
to deliver a transaction object.
74. The device of claim 73, wherein the pre-set condition includes a white
list of transaction
objects.
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75. The device of claim 73, wherein the pre-set condition includes a blacklist
of transaction
objects.
76. The device claim 74, wherein the comparison module is further configured
to determine
whether the transaction objects of the electronic certificate is in the white
list of transaction
object.
77. The device of claim 76, where if the transaction objects of the electronic
certificate is in the
white list of transaction object, wherein the second terminal is configured to
deliver the
request for receiving the electronic certificate to the second Funds-
Management server.
78. The device of claim 75, wherein the comparison module is further
configured to determine
whether the transaction objects of the electronic certificate is in the
blacklist of transaction
object.
79. The device of claim 78, further includes a feedback module.
80. The device of claim 79, wherein the feedback module is configured to
refuse the electronic
certificate where if the transaction objects of the electronic certificate is
in the blacklist of
transaction object.
81. The device of claim 73, wherein the pre-set condition further includes a
plurality of
receivable parameters.
82. The device of claim 73, wherein the pre-set condition further includes a
plurality of rejected
parameters.
83. The device of any one of claims 81 to 82, wherein a parameter includes an
issuing date of the
electronic certificate.
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Date recue / Date received 2021-11-22

84. The device of any one of claims 81 to 83, wherein a parameter includes
transaction object
information.
85. The device of any one of claims 81 to 82, wherein a parameter includes a
settlement rate.
86. The device of any one of claims 81 to 82, wherein a parameter includes
financial institution
information for issuing electronic certificate.
87. The device of any one of claims 81 to 82, wherein a parameter includes an
amount of funds
for issuing electronic certificate.
88. The device of any one of claims 81 to 82, wherein a parameter includes a
performance
period.
89. The device of any one of claims 81 to 82, wherein a parameter includes a
receipt period.
90. The device of any one of claims 81 to 82, wherein a parameter includes an
electronic
certificate model.
91. The device of any one of claims 81 to 82, wherein a parameter includes a
settlement mode.
92. The device of any one of claims 81 to 82, wherein a parameter includes a
transaction order
number.
93. The device of any one of claims 78 to 92, wherein the comparison module is
further
configured to determine whether the electronic certificate information meets
the plurality of
receivable parameters and the plurality ofrejected parameters, where if the
transaction objects
of the electronic certificate is not being part of the white list and the
black list of transaction
object.
Date recue / Date received 2021-11-22

94. The device of any one of claims 73 to 93, wherein the notification
terminal includes a first
Funds-Management server.
95. The device of any one of claims 73 to 93, wherein the notification
terminal includes a second
Funds-Management server.
96. The device of any one of claims 73 to 93, wherein the notification
terminal includes a first
terminal.
26
Date recue / Date received 2021-11-22

Description

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


CA 02993105 2018-01-19
WO 2017/012046 PCT/CN2015/084638
Electronic Certificate Receiving Method And Device
Technical Field
[0001] The present invention relates to the field of intemet finance
technology, and in particular, to
a method and device for receiving certificate of 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 the payee, only the
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 applied to a second terminal, including the following steps:

CA 02993105 2018-01-19
WO 2017/012046 PCT/CN2015/084638
[0007] Receiving and storing the preset conditions of acceptance by the
seller;
[0008] Receiving a notification to be received and delivered by a notification
terminal, wherein
the notification to be accepted includes information of an electronic
certificate;
[0009] According to whether the electronic certificate information and the
receiving condition
match the receiving condition, if the receiving condition is met, the second
Funds-Management server delivers the receiving application.
[0010] According to one aspect of the present invention, it is provided an
electronic certificate
collection device applied to a second terminal, the device including the
following modules:
[0011] A setting module is used to receive and store the preset conditions of
acceptance by the
seller;
[0012] The receiving module is used to receive a notification to be received
and delivered by a
notification terminal, wherein the notification to be accepted includes
information of an
electronic certificate;
[0013] The processing module is used to according to whether the electronic
certificate
information and the receiving condition match the receiving condition, if the
receiving
condition is met, the second Funds-Management server delivers the receiving
application.
The beneficial effect of the invention
Beneficial effect
[0014] The present invention provides a method and device of electronic
certificate collection,
selecting the qualified electronic certificate through the second terminal,
eliminate
electronic certificate that does not meet the terms of the transaction, it can
satisfy the seller
to select and filter the transaction order and the transaction object, thus
realizing the
selectivity of the seller.
A brief description of the drawings
Brief Description
[0015] Figure 1 is a flowchart of a method for certificate collection of an
electronic certificate
according to Example One of the present invention.
[0016] Figure 2 is a flowchart of a method for receiving a certificate of
electronic certificate
according to a second example of the present invention.
[0017] Figure 3 is a flow chart of a method for receiving certificate of an
electronic certificate
provided in Example Three of the present invention.
[0018] Figure 4 is a flowchart of a method for receiving a certificate of
electronic certificate
according to a fourth example of the present invention.
[0019] Figure 5 is a module structure diagram of an electronic certificate
collection device
according to Example Five of the present invention.
2

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[0020] Figure 6 is a module structure diagram of another electronic
certificate collection device
according to Example Five of the present invention.
Examples of the Invention
Implementation pattern of the present invention
[0021] 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.
[0022] In this example of the present invention, an electronic certificate is
an electronic certificate
committed by a bank promised to pay the funds according to the agreed
conditions. It
means that the bank opens the amount of funds required by the issuer's
application to
freeze or uses the credit limit and commits to pay the settlement of
electronic commitment
certificate in accordance with the agreed terms of payment.
[0023] The process of the network payment transaction through the 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
first terminal (the issuing terminal). Of course, the buyer can also take the
initiative to
apply for a license without a transaction order. After the first Funds-
Management server
accepts the application, it opens an electronic certificate according to the
issuing
application and freezes the funds or credit line of the buyer's account for
the corresponding
amount. After the seller confirms the order, he / she applies to the second
Funds-Management server (the server of the funds management institution) via
the second
client (receiving end), and the second Funds-Management server verifies the
information
and receives the certificate. Electronic certificate into compliance period,
waiting for the
seller to deliver commodity or provide services. After the seller fulfils the
contract during
the performance period, the second Funds-Management server submits the
fulfilment
information (such as logistics number), the second Funds-Management server
changes the
status of the electronic certificate, and the electronic certificate enters
the period of receipt
and waits for the buyer to sign for the commodity. When the buyer signs the
commodity
within the period of receipt, that is to say, the seller completes the
corresponding
transaction conditions according to the settlement conditions of the
electronic certificate,
and the electronic certificate enters the settlement period. The seller
applies for the second
Funds-Management server to apply for the settlement to the first Funds-
Management
server within the time limit for applying for settlement, and after the first
3

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.
[0024] 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.
[0025] 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.
[0026] Example 1
[0027] As shown in Figure 1, a method for certificate collection of an
electronic certificate
provided in an example of the present invention is applied to a second
terminal, where the
method includes the following steps:
[0028] S101, receiving and storing the preset conditions of acceptance by the
seller.
[0029] Specifically, the seller sets the electronic certificate parameter
range of the certificate or the
electronic certificate parameter range of the rejection certificate according
to the demand.
Electronic certificate parameters include but are not limited to the
combination of any one
or more of the following parameters: issuing time, transaction object
information,
settlement rate, issuing bank information, issuing amount, performance period,
receipt
period, electronic certificate model and settlement mode and so on. The seller
set the scope
of the parameters or the scope of the non-acceptance parameters according to
the
requirements. Such as the opening of the issuing time of rejection of refusal,
identity
information does not match the rejection, the rejection of the low payment
rate and the
rejection by the issuing bank with bad credit, the rejection of issuing amount
is too much or
too small, the contract period is too short to be rejected, the receipt period
is too short, the
rejection of the unqualified electronic certificate model, the rejection of
the unpaid solution
4
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pattern, and the rejection of the transaction order number do not match.
Here's an example
of how to use it:
[0030] The rejection of the overdue certificate: the seller held a time
limited group-buying activity,
the activities is ended before 12 o'clock, payment methods using electronic
certificate, one
of the conditions for setting up the acceptance certificate is that the
opening time is before
12 o 'clock, if the buyer orders the order before 12 o 'clock, but after 12 o
'clock, the
certificate is rejected.
[0031] Rejection of low payment rate: The information of the electronic
certificate can include the
rate of settlement of the counterparty, that is, the number of successful
electronic certificate
of solution in the electronic certificate business handled by the
counterparty. As the
electronic certificate is a cash on delivery payment instrument, the
competitor or malicious
user orders or rejected after the rejection of malicious electronic trading
instruments cannot
be resolved, so that the solution rate is significantly lower than normal
users, in order to
avoid such malicious users, one of the conditions of the collection is the
lower limit of
payment, eliminate the orders below the settlement rate to avoid losses, such
as the solution
rate of less than 50% of the user rejected.
[0032] The performance of the short period of rejection: If the fulfilment
period of the electronic
certificate is too short, the seller will be unable to complete the stocking
and delivery
operations within the performance period, resulting in the failure of the
electronic
certificate. If the performance period of less than 1 day of rejection, thus
avoiding losses.
[0033] The receipt period is too short of rejection: after the delivery of the
seller, the transport of
commodity will take a certain period of time according to the distance, if the
receipt is too
short, the delivery of commodity will not be delivered within the period of
receipt of the
commodity, which will result in the failure of electronic certificate. One of
the conditions
that can be set is the lower limit of the time of signing. The seller may set
the lower limit of
the length of the receipt period according to the time required for the
transportation of the
commodity, which is lower than the length of the rejection.
[0034] Rejection of the transaction order number: when the buyer opens the
certificate on the basis
of the generated transaction order, the electronic certificate information can
be recorded for
the seller to identify the transaction order number, but if the order number
is incorrectly
filled, the seller may not be able to identify the which order of the payment
was to be paid,
resulting in the transaction being unable to complete. One of the conditions
for setting the
receiving card is the match condition of the order number. The transaction
order number
recorded by electronic certificate is compared with the seller's order
database, and the
non-matched data is rejected.

CA 02993105 2018-01-19
WO 2017/012046 PCT/CN2015/084638
[0035] As a preferred example, in order to make the conditions more flexible
and quick receipt,
the seller can also set the white list according to the transaction object,
such as the
long-term friendship and cooperation of the more credible buyers white listed
for special
treatment, so in this way, when selecting information, as long as the buyer is
listed in the
white list, it is directly judged as issuing, it is no longer compared with
other parameter
ranges of electronic certificate information, so as to avoid the rejection
caused by
electronic certificate parameter falling into the rejection condition, and
affect the
cooperation relationship.
[0036] As another preferred example, in order to make the receipt conditions
more rigorous and
quick, the seller may also set the black list according to the transaction
object. For
example, a buyer who will not be willing to cooperate or have a bad credit is
included in
the blacklist, so that when the information is selected, the buyer is directly
rejected as
blacklisted and no longer compares the range of other parameters of the
electronic
certificate information so as to avoid the receipt of an acceptable parameter
condition.
[0037] S102: Receiving a notification to be received and delivered by a
notification terminal,
wherein the notification to be accepted includes information of an electronic
certificate.
[0038] Specifically, the notification terminal includes, but is not limited
to, a first
Funds-Management server, a second Funds-Management server, or a first
terminal, which
may be set according to actual needs in a specific application. Electronic
certificate
information includes but not limited to the issuing time, transaction object
information,
settlement rate, issuing bank information, issuing amount, performance period,
receipt
period, electronic certificate model, settlement mode and other parameters,
transaction
order number, etc. an arbitrary or multiple combination of a transaction order
number.
[0039] S103: According to whether the electronic certificate information and
the receiving
condition match the receiving condition, if the receiving condition is met,
the second
Funds-Management server delivers the receiving application.
[0040] Specifically, the second terminal compares the electronic certificate
data to be received
according to a receiving condition preset by the seller, and if the electronic
certificate data
to be received matches the receiving condition, the second terminal determines
that the
certificate is receivable, and delivers the second certificate to the second
Funds
-Management server to initiate a receipt application; if the acceptance
condition is not met,
then the rejection card shall be judged, and the application shall not be
initiated for the
second Funds-Management server.
[0041] In this example of the present invention, selecting the qualified
electronic certificate
through the second terminal, eliminate electronic certificate that does not
meet the terms of
6

CA 02993105 2018-01-19
WO 2017/012046 PCT/CN2015/084638
the transaction, it can satisfy the seller to select and filter the
transaction order and the
transaction object, thus realizing the selectivity of the seller.
[0042] Example 2
[0043] 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:
[0044] S201: the second terminal receives and stores the preset conditions of
acceptance by the
seller.
[0045] S202: Receive a notification to be received and delivered by the first
terminal, where the
notification to be received includes the electronic certificate information.
[0046] S203. Check whether the receiving condition is met according to the
electronic certificate
information and the receiving condition, and if the receiving condition is
met, perform step
S204; otherwise, perform step S205.
[0047] S204, delivering a certificate application to the second Funds-
Management server, and
proceeding to step S206.
[0048] S205: Deliver a rejection notification to the first terminal.
[0049] S206, end the process.
[0050] Based on the first example, the example of the present invention uses
the first terminal to
deliver a notification of pending certification, and the second terminal
selects and filters the
information of the electronic certificate delivered by the first terminal to
achieve selective
payment.
[0051] Example 3
[0052] 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:
[0053] S301: the second terminal receives and stores the preset conditions of
acceptance by the
seller.
[0054] S302, receiving a notification to be received from the first Funds-
Management server,
wherein the notification to be received includes the information of electronic
certificate.
[0055] S303: Determine whether the transaction object is in the white list,
and if yes, go to step
S306; otherwise, go to step S304.
[0056] S304: Determine whether the transaction object is in the blacklist, and
if yes, go to step
S307; otherwise, go to step S305.
[0057] S305: Whether the receiving condition is met according to the
electronic certificate
information and the receivable parameter range / rejection card parameter
range is
satisfied, and if the receiving condition is met, step S306 is performed;
otherwise, step
S307 is performed.
7

CA 02993105 2018-01-19
WO 2017/012046 PCT/CN2015/084638
[0058] Specifically, in this example, determine whether a transaction is on a
white list or a
blacklist. If it is in the white list, it is determined that the receiving
condition is met, and if
it is in the blacklist, it is determined that the receiving condition is not
met. If the
transaction object is not in the white list and the blacklist, it is
determined whether the
electronic certificate information meets the receiving condition according to
the range of
the electronic certificate information and the range of the receivable
parameter / the range
of the certificate of rejection card. If the parameter of the electronic
certificate falls within
the range of the receivable parameter, it is judged to be in accordance with
the conditions
of reception, if the electronic certificate parameters fall into the range of
rejection card
parameters, the judgement is not in conformity with the receiving condition.
[0059] S306: delivering a certificate application to the second Funds-
Management server, and
proceeding to step S308.
[0060] S307: Deliver a rejection notification to the first Funds-Management
server.
[0061] S308, end the process.
[0062] On the basis of the first example, the examples of the present
invention use the first
Funds-Management server to deliver a notification of pending verification, and
the second
terminal first filters the transaction object by the black-and-white list
first, and then it can
further improve the flexibility of the choice by comparing the transaction
order information
that is not in the black-and-white list.
[0063] Example 4
[0064] As shown in Figure 4, a method for certificate collection of an
electronic certificate
provided in an example of the present invention includes the following steps:
[0065] S401: the second terminal receives and stores the preset conditions of
acceptance by the
seller.
[0066] S402: receiving a notification to be received from the second Funds-
Management server,
wherein the notification to be received includes the information of electronic
certificate.
[0067] S403. Determine whether the transaction object is in the white list,
and if yes, go to step
S406; otherwise, go to step S404.
[0068] S404, determining whether the transaction object is in the blacklist,
if yes, proceeding to
step S407; otherwise executing step S405.
[0069] S405: Whether the receiving condition is met according to the
electronic certificate
information and the receivable parameter range / rejection card parameter
range is
satisfied, and if the receiving condition is met, step S306 is performed;
otherwise, step
S406 is performed S407.
[0070] S406: delivering a certificate application to the second Funds-
Management server, and
8

CA 02993105 2018-01-19
WO 2017/012046 PCT/CN2015/084638
proceeding to step S408.
[0071] S407: Deliver a rejection notification to the second Funds-Management
server.
[0072] S408, end the process.
[0073] On the basis of the first example, the examples of the present
invention use the second
Funds-Management server to deliver a notification of pending receipt, and the
second
terminal first filters the transaction object by the black-and-white list
first, and then it can
further improve the flexibility of the choice by comparing the transaction
order information
that is not in the black-and-white list.
[0074] Example 5
[0075] An electronic certificate collection device provided in an example of
the present invention
is applied to a second terminal, where the device includes the following
setting module 10,
a receiving module 20, a comparison module 30, and a request module 40,
wherein:
[0076] The setting module 10 is used to receive and store the seller's preset
collection conditions.
[0077] Specifically, the setting module 10 is used to set a range of
electronic certificate parameters
that can be accredited by the seller or set an electronic certificate
parameter range of the
certificate of refusal according to requirements. Electronic certificate
parameters include
but are not limited to the following: any of the following: opening date,
transaction object
information, settlement rate, issuing bank information, issuing amount,
performance
period, receipt period, electronic certificate model, settlement mode and
transaction order
number species or a combination of multiple parameters. The seller set the
scope of the
parameters or the scope of the non-acceptance parameters according to the
requirements.
Such as the opening of the issuing time of rejection of refusal, identity
information does
not match the rejection, the rejection of the low payment rate and the
rejection by the
issuing bank with bad credit, the rejection of issuing amount is too much or
too small, the
contract period is too short to be rejected, the receipt period is too short,
the rejection of the
unqualified electronic certificate model, the rejection of the unpaid solution
pattern, and the
rejection of the transaction order number do not match. Here's an example of
how to use it:
[0078] The rejection of the overdue certificate: the seller held a time
limited group-buying activity,
the activities is ended before 12 o'clock, payment methods using electronic
certificate, one
of the conditions can be set by the module 10 to set up the acceptance
certificate is that the
opening time is before 12 o 'clock, if the buyer orders the order before 12 o
'clock, but after
12 o 'clock, the certificate is rejected.
[0079] Rejection of low payment rate: The information of the electronic
certificate can include the
rate of settlement of the counterpart)', that is, the number of successful
electronic certificate
of solution in the electronic certificate business handled by the
counterpart)'. As the
9

CA 02993105 2018-01-19
WO 2017/012046 PCT/CN2015/084638
electronic certificate is a cash on delivery payment instrument, the
competitor or malicious
user orders or rejected after the rejection of malicious electronic trading
instruments cannot
be resolved, so that the solution rate is significantly lower than normal
users, in order to
avoid such malicious users, one of the conditions of the collection set by
module 10 is the
lower limit of payment, eliminate the orders below the settlement rate to
avoid losses, such
as the solution rate of less than 50% of the user rejected.
[0080] The performance of the short period of rejection: If the fulfilment
period of the electronic
certificate is too short, the seller will not be able to complete the stocking
and shipping
operations within the compliance period, resulting in the failure of the
electronic
certificate. One of the conditions of collection can be set through the
setting module 10. If
the performance period of less than 1 day of rejection, thus avoiding losses.
[0081] The receipt period is too short of rejection: after the delivery of the
seller, the transport of
commodity will take a certain period of time according to the distance, if the
receipt is too
short, the delivery of commodity will not be delivered within the period of
receipt of the
commodity, which will result in the failure of electronic certificate. One of
the conditions
of collection can be set by the setting module 10 as the lower limit of the
duration of the
receipt period. The seller may set the lower limit of the length of the
receipt period
according to the time required for the transportation of the commodity, which
is lower than
the length of the rejection.
[0082] Rejection of the transaction order number: when the buyer opens the
certificate on the basis
of the generated transaction order, the electronic certificate information can
be recorded for
the seller to identify the transaction order number, but if the order number
is incorrectly
filled, the seller may not be able to identify the which order of the payment
was to be paid,
resulting in the transaction being unable to complete. You can set one of the
conditions of
the collection by setting the module to match the conditions for the order
number. The
transaction order number recorded by electronic certificate is compared with
the seller's
order database, and the non-matched data is rejected. As a preferred example,
in order to
make the conditions of collection more flexible and quick, the setting module
10 may
further be configured to set the seller to set the white list according to the
transaction
object, such as the long-term friendship and cooperation of the more credible
buyers white
listed for special treatment, so in this way, when selecting information, as
long as the buyer
is listed in the white list, it is directly judged as issuing, it is no longer
compared with other
parameter ranges of electronic certificate information, so as to avoid the
rejection caused
by electronic certificate parameter falling into the rejection condition, and
affect the
cooperation relationship.

CA 02993105 2018-01-19
WO 20171012046 PCT/CN2015/084638
[0083] As another preferred example, in order to make the conditions of the
receipt more rigorous
and quick, the setting module 10 may further be used to set the blacklist
according to the
transaction object by the seller. For example, a buyer who will not be willing
to cooperate
or have a bad credit is included in the blacklist, so that when the
information is selected,
the buyer is directly rejected as blacklisted and no longer compares the range
of other
parameters of the electronic certificate information so as to avoid the
receipt of an
acceptable parameter condition.
[0084] The receiving module 20 is used to receive a notification to be
received and delivered by a
notification terminal, wherein the notification to be accepted includes
information of an
electronic certificate.
[0085] Wherein, the receiving module 20 is specifically used to: receive a
pending notification of
payment delivered by the first Funds-Management server, the second Funds-
Management
server, or the first terminal. The notification terminal includes, but is not
limited to, a first
Funds-Management server, a second Funds-Management server, or a first
terminal, which
may be set according to actual needs in a specific application. Electronic
certificate
information includes but not limited to the time of issuance, transaction
object information,
settlement rate, issuing bank information, issuing amount, performance period,
receipt
period, electronic certificate model, settlement mode and transaction order
number, etc. an
arbitrary or multiple combination of a transaction order number.
[0086] The comparison module 30 is used to compare whether the receiving
condition is met
according to the electronic certificate information and the receiving
condition.
[0087] Specifically, the comparison module 30 compares the electronic
certificate data to be
received according to the receiving condition preset by the seller, and if the
data of the
electronic certificate to be received matches the receiving condition, it
judges that the
certificate can be received; if the receiving condition is not met, the
rejection certificate
will be judged.
[0088] As a preferred solution, the comparison module 30 is specifically used
to: determine
whether the transaction object is in the white list or the blacklist first,
and if the transaction
object is in the white list, determine that the receiving condition is met; if
the transaction
object is in the black list, it is judged that the reception conditions are
not met. If the
transaction object is not in the white list and the blacklist, it is
determined whether the
electronic certificate information meets the receiving condition according to
the range of
the electronic certificate information and the range of the receivable
parameter / the range
of the certificate of rejection card. If the parameter of the electronic
certificate falls within
the range of the receivable parameter, it is judged to be in accordance with
the conditions
11

of reception, if the electronic certificate parameters fall into the range of
rejection card
parameters, the judgement is not in conformity with the receiving condition.
In this way, it
is possible to improve the flexibility of the choice by judging whether it can
be accepted
quickly by the transaction object.
[0089] The request module 40 is used to deliver a certificate application to
the second
Funds-Management server when the receiving conditions are met.
[0090] Figure 6, in some examples, in order for the notification terminal to
be informed in time
when the certificate fails, the device also includes a feedback module 50,
which is set to
return notifications to the notification terminal when the reception
conditions are not met.
[0091] Specifically, the notification terminal includes, but is not limited
to, a first
Funds-Management server, a second Funds-Management server, or a first
terminal, which
may be set according to actual needs in a specific application. When the
comparison result
of the comparison module 30 does not meet the receiving condition, the second
terminal
feeds back the notification of the certificate of rejection to the
notification terminal.
[0092] It should be noted that, the technical features in the first example,
the second example, the
third example, and the fourth example in the above method are all applicable
to the present
system and will not be repeated here.
[0093] The device provided by the example of the present invention, selecting
the qualified
electronic certificate through the second terminal, eliminate electronic
certificate that does
not meet the terms of the transaction, it can satisfy the seller to select and
filter the
transaction order and the transaction object, thus realizing the selectivity
of the seller.
[0094] 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.
[0095] A person of skill in the art 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.
[0096] 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,
12
Date Re9ue/Date Received 2020-06-10

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
[0097] The present invention provides a method and device of electronic
certificate collection,
selecting the qualified electronic certificate through the second terminal,
eliminate
electronic certificate that does not meet the terms of the transaction, it can
satisfy the seller
to select and filter the transaction order and the transaction object, thus
realizing the
selectivity of the seller. Therefore, it has industrial applicability.
13
Date Re9ue/Date Received 2020-06-10

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

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Administrative Status

Title Date
Forecasted Issue Date 2023-01-31
(86) PCT Filing Date 2015-07-21
(87) PCT Publication Date 2017-01-26
(85) National Entry 2018-01-19
Examination Requested 2020-06-10
(45) Issued 2023-01-31

Abandonment History

There is no abandonment history.

Maintenance Fee

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


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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 2020-06-10 $500.00 2020-06-10
Request for Examination 2020-07-21 $800.00 2020-06-10
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
Final Fee $306.00 2022-12-15
Maintenance Fee - Patent - New Act 8 2023-07-21 $210.51 2023-06-14
Maintenance Fee - Patent - 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.
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Document
Description 
Date
(yyyy-mm-dd) 
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Request for Examination / Amendment / Special Order 2020-06-10 21 655
Description 2020-06-10 13 745
Claims 2020-06-10 13 390
Acknowledgement of Grant of Special Order 2020-06-17 1 173
Examiner Requisition 2021-01-25 6 283
Amendment 2021-05-25 41 1,516
Drawings 2021-05-25 5 236
Claims 2021-05-25 12 391
Description 2021-05-25 13 744
Examiner Requisition 2021-07-22 6 286
Amendment 2021-11-22 37 1,299
Claims 2021-11-22 13 412
Final Fee 2022-12-15 2 47
Representative Drawing 2023-01-09 1 26
Cover Page 2023-01-09 1 62
Electronic Grant Certificate 2023-01-31 1 2,527
Abstract 2018-01-19 1 85
Claims 2018-01-19 3 128
Drawings 2018-01-19 5 61
Description 2018-01-19 13 719
International Search Report 2018-01-19 4 133
National Entry Request 2018-01-19 9 373
Representative Drawing 2018-03-21 1 9
Cover Page 2018-03-21 1 43