Note: Descriptions are shown in the official language in which they were submitted.
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Title: Method, Device, And System For Receiving Certificate
Technical Field
[0001] The present invention belongs to the field of network payment
technology, and in
particular, to a collection method, device, and system.
Background Technology
[0002] The traditional online payment tools, 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 instrument, the payment is initiated by the payer,
and the payer must
obtain the complete and accurate account information of the payer to make the
payment,
and once the payer has mistaken the payment object or the amount, the fund
will be
irreparably payable to wrong accounts, the cost of retrieving or recovering
funds is
prohibitively expensive, while also causing problems for the payee who returns
unjust
enrichment. For payees, it can only collect the money, and cannot refuse the
payment of the
money or the payment.
Technical problem
[0004] An example of the present invention aims to provide a method, device
and system for
receiving a certificate, which aims to solve the problem of inefficiency
caused by the
payment user needing to confirm the complete account of the receiver.
Problem solving solution
Technical solutions
[0005] The example of the present invention is implemented, a certificate
collection method
Generates a notification of receipt of a certificate of acceptance and
delivers it to the
corresponding seller terminal for confirmation by the seller of the receipt
card; is used for
second Funds-Management server, and the method includes the following steps:
[0006] Receives the issuing notice of the first electronic certificate
delivered by the first
Funds-Management server, the issuing notice includes the first electronic
certificate
information;
[0007] Compare the electronic certificate information with the first
electronic certificate which is
stored in the second Funds-Management server;
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[0008] When the comparison is consistent, the first electronic certificate is
received.
[0009] Further, the receiving the first electronic certificate specifically
includes:
[0010] The second client information corresponding to the open electronic
certificate and the first
electronic certificate are referred to in the association;
[0011] The status of the first electronic certificate is updated.
[0012] Further, after the receiving the first electronic certificate, the
method further includes:
[0013] Deliver the received certificate notification to the first Funds-
Management server.
[0014] Further, before receiving the first electronic certificate delivered by
the first
Funds-Management server, the issuing certificate further includes:
[0015] Receiving the second client's receiving request and opening the
electronic certificate
information;
[0016] Generating a certificate issuing request according to the certificate;
[0017] Delivers the issuing request and pending electronic certificate
information to the first
Funds-Management server for the first Funds-Management server to open the
first
electronic certificate.
[0018] Further, after performing the receiving the certificate collection
request and the certificate
information to be opened on the second client, the method further includes:
[0019] Save the certificate to be opened electronic certificate delivered by
the second client.
[0020] The present invention also provides a certificate collection device for
a second
Funds-Management server, including:
[0021] A first receiving module is used to receive the issuing notice of the
first electronic
certificate delivered by the first Funds-Management server, the certificate
issued by the
first electronic certificate information;
[0022] A comparison module is used to compare the opened electronic
certificate information and
the first electronic certificate information stored in the second Funds-
Management server.
[0023] Receiving module is used for receiving the first electronic certificate
when the comparison
is consistent.
[0024] Further, the collection module includes:
[0025] An association unit is used to associate the second client information
with a first electronic
certificate;
[0026] An updating unit is used to update the status of the first electronic
certificate to a received
certificate.
[0027] Further, further including:
[0028] A first delivering module is used to deliver a received card
notification to the first
Funds-Management server.
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[0029] Further, the device also includes:
[0030] A second receiving module is used to receive the receipt request from
the second client and
to open the electronic certificate information;
[0031] The issuing application module is used for generating a certificate
issuing request
according to the certificate;
[0032] A second delivering module is used to deliver the issuing request and
the electronic
certificate information to the first Funds-Management server for the first
Funds-Management server to open the first electronic certificate.
[0033] Further, further including:
[0034] The saving module is used to save the certificate information to be
opened delivered by the
second client.
[0035] The present invention also provides a collection system, including a
first
Funds-Management server and a second Funds-Management server,
[0036] The first Funds-Management server is used to deliver the noticed
notification of the first
electronic certificate to the second Funds-Management server;
[0037] The second Funds-Management server is used to receive an opened
certificate of the first
electronic certificate delivered by the first Funds-Management server, where
the opened
certificate includes the first electronic certificate information and compares
the second
electronic certificate and the first electronic certificate information to be
opened, which is
stored by the second Funds-Management server, and the first electronic
certificate is
received when the comparison is matched.
The beneficial effect of the invention
Beneficial effect
[0038] The method, device and system for receiving a certificate for an
electronic certificate
according to the examples of the present invention are applied to an
electronic certificate
payment activity. The collection bank compares the electronic certificate
information from
the seller and the first electronic certificate information from the buyer,
the certificate is not
accepted until after the issuing. It can reduce the transaction risk of buyers
and sellers, and
there is no need to confirm the second client in the process of collection.
Only electronic
certificate information is more consistent than the same, it can collect the
certificate and
improve the efficiency of payment.
A brief description of the drawings
Brief Description
[0039] Figure 1 is a flowchart of a collection method provided by the first
example of the present
invention;
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[0040] Figure 2 is a second example of the present invention provides a
collection device structure
diagram;
[0041] Picture 3 is another structural diagram of a collection device provided
in a second example
of the present invention;
[0042] Figure 4 is the invention claims a second example of the receiving
device in the receiving
module the structure of;
[0043] Figure 5 is a structural diagram of a collection system of the present
invention.
Examples of the Invention
Implementation pattern of the present invention
[0044] In order to make the purpose, the technical solution and advantages of
the invention more
clearly understood, the following explanations further explain the invention
according to
the attached drawings and examples. It should be understood that the specific
example
described herein are merely to illustrative the invention and is not intend to
limit the
invention.
[0045] The electronic certificate involved in the present invention refers to
the issuer (first client)
with its bank account funds or credit lines as a guarantee opened, the bank
(the first
Funds-Management server) committed to pay in accordance with the conditions of
payment settlement of electronic credit certificate. The electronic
certificate is mainly for
buyer's commodity. The sellers (second client) download the checkout
interface, and the
buyer finishes the electronic certificate issuance. The seller completes the
receipt and
performance, applies for the solution, and the bank decides to fulfil the
settlement
conditions after the implementation of the solution to pay. The electronic
certificate can be
purchased not only for commodities, but also for collateral. For example, an
individual
may issue a letter of credit to a bank as a guarantee for the loan to others.
[0046] In this example of the present invention, the basic business process of
the electronic
certificate is: Funds management institution establish electronic certificate
in accordance
with the amount of funds required to freeze the applicant's application, when
agreed to
meet the conditions for the settlement, the fund management institution will
be paid to
settle payment settlement. Details as follows:
[0047] 1. After the transaction body to form an order, the issuer (such as the
buyer) applies for
issuing the certificate to the issuing institution (i.e., the fund management
institution that
opens an electronic certificate, such as an issuing bank). (Of course, the
issuer can apply
for issuing a certificate when forming a specific transaction order, or the
issuer can
voluntarily apply for issuing a certificate when the transaction order is not
formed.)
[0048] 2. After the issuing agency accepts, open electronic certificate and
freeze the corresponding
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amount of funds or credit line.
[0049] 3. The recipient (such as the seller) apply to the receiving authority
(such as the receiving
bank) for a certificate.
[0050] 4. After the certification body to verify the information to be
certified, electronic certificate
enters into the compliance period, and the certificate collector performs the
performance
(for example, the merchant delivers the commodity and can be regarded as
performing the
contract).
[0051] 5. After receiving the certificate of compliance, the electronic
certificate to obtain
compliance information, change the status of the Bank Credit Certificate,
electronic
certificate into the receipt period, waiting for the delivery of commodity,
and receive the
commodity.
[0052] 6. When the issuer to sign the commodity, that is the after receiving
the transaction
conditions of electronic certificate according to the payment terms of
electronic certificate,
the receiving issuing apply to the issuing agency for payment.
[0053] 7. Issuing agency discharges the funds from the opening of the account,
transfer the funds
to the collection agencies, collection agencies will transfer funds to the
collector's account.
[0054] The invention relates to the first client (the issuer, pointing to the
bank to apply for the
opening of an electronic certificate end); the second client (recipient refers
to the funds
terminal of the electronic certificate specified by the applicant); the first
Funds
--Management server (issuing bank), to accept the issuer (first client)
request, according to
the information provided and confirmed the opening of an electronic
certificate; the second
Funds-Management server(receiving bank) accepts the request of the receipt and
receives
the electronic certificate according to the information provided and
confirmed.
[0055] Example 1
[0056] As shown in Figure 1, a method for certificate collection provided in
the first example of
the present invention is used for a second Funds-Management server, including
the
following steps:
[0057] Sl, receiving the issuing notice of the first electronic certificate
delivered by the first
Funds-Management server, the issuing notice includes the first electronic
certificate
information. Before the second Funds-Management server receives the issuing
notification,
both parties of the transaction form an order first. The issuer selects an
issuing bank and
delivers it to the second client at one terminal of the receiver. The
electronic certificate is
filled in by the receiver and deliver it to the second Funds-Management
server. The second
Funds-Management server receives the receipt request delivered by the second
client and
the electronic certificate information, the issuing request is generated
according to the
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receipt request, and the issuing request and the electronic certificate
information to be
opened are delivered to the first Funds-Management server to open the first
electronic
certificate for the first Funds-Management server. At the same time, the
second
Funds-Management server saves the information of the electronic certificate to
be certified
delivered by the second client for subsequent comparison.
[0058] Further, the second Funds-Management server verifies the identity of
the receiver after
receiving the certificate collection request and the certificate of electronic
certificate to be
issued by the second client to verify the authenticity of the electronic
certificate to be
issued.
[0059] The electronic certificate information to be opened including but not
limited to payment
aging, transaction object information, payout rate, the first Funds-Management
server
information, issuing amount, the performance period, the receipt period, the
electronic
certificate model, settlement mode and so on,
[0060] After receiving the issuing request, the first Funds-Management server
opens the first
electronic certificate and freezes the corresponding amount of funds or credit
limit,
generates a notice of issuing a certificate, and according to the contact
information of the
receiving bank, by telephone, fax or the communication software delivers the
noticed
notification to the second Funds-Management server.
[0061] S2. Compare certificate information to be opened and first electronic
certificate
information stored in the second Funds-Management server. After the second
Funds-Management server receives the opened certificate and compares the
information
with the first electronic certificate, it is possible to preset a range of the
comparison, and
when the comparison result is within the preset comparison range, the
judgement is made.
If the result of the comparison is consistent, proceed to step S3.
[0062] 53, the comparison is consistent, the second Funds-Management server
receives the first
electronic certificate. The process of receiving the first electronic
certificate by the second
Funds-Management server is actually that the second client provides the
receiving account
or identity to the second Funds-Management server, and notifies the second
Funds-Management server that the receiving account or identity corresponds
after the
second Funds-Management server verifies the account or identity of the
recipient of the
second electronic certificate corresponding to the second client, the
electronic certificate is
associated with the second electronic-certificate, the second Funds-Management
server
updates the status of the first electronic certificate as the process of
receipt.
[0063] Further, the second Funds-Management server delivers the received
certificate notification
to the first Funds-Management server. At this point, the first electronic
certificate into the
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compliance period, collectors to perform compliance (such as merchants to
deliver
commodity). After receiving the certificate of compliance, the first
electronic certificate to
obtain compliance information, change the status of the Bank Credit
Certificate, the first
electronic certificate into the receipt period, (waiting for the delivery of
commodity, and
receive the commodity). After the issuer receives the commodity, the second
Funds-Management server is entrusted to the first Funds-Management server by
the second
recipient for completing the transaction conditions of the first client
corresponding to the
first electronic certificate according to the settlement condition of the
electronic certificate.
First Funds-Management server lifted the funds for the opening of the issuer
account,
transfer funds to the second Funds-Management server, and the second Funds-
Management
server transfer funds to the receiving account. As the first electronic
certificate can be used
to allocate funds, therefore, in practice, the performance and receipt can be
omitted. When
the fulfilment and receipt are omitted, the first Funds-Management server
receives the
received notification of the second Funds-Management server, directly transfer
of funds to
the second Funds-Management server.
[0064] The method of the electronic certificate in the example of the present
invention is applied
to the electronic certificate payment activity, and the receiving bank
automatically initiates
the payment process after receiving the issuing certificate, and does not need
to confirm the
second client. Only electronic certificate information can be verified by
comparison, which
can effectively reduce the transaction risk of buyers and sellers.
[0065] Example 2
[0066] A second example of the present invention provides a collection device
for a second
Funds-Management server. As shown in Figure 2, the device according to the
second
example of the present invention includes:
[0067] The first receiving module 10 is used to receive the issuing notice of
the first electronic
certificate delivered by the first Funds-Management server, the certificate
issued by the
first electronic certificate information;
[0068] The comparison module 20 is used to compare the certificate information
to be opened and
the first electronic certificate information stored in the second Funds-
Management server;
[0069] The collection module 30 is used to receive the first electronic
certificate if the comparison
is consistent.
[0070] As shown in Figure 3, the collection module 30 includes:
[0071] The association unit 31 is used to associate the second client
information corresponding to
the certificate to be opened with the first electronic certificate;
[0072] The updating unit 32 is used to update the status of the first
electronic certificate to a
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received certificate.
[0073] Further, as shown in Figure 4, the device in Example 2 of the present
invention further
includes:
[0074] The second receiving module 40 is used to receive the certificate
collection request and the
information of the electronic certificate to be opened for certification
delivered by the
second client.
[0075] The issuing application module 50 is used to generate a disclosure
request according to the
collection request.
[0076] The second delivering module 60 is used to deliver the issuing request
and the electronic
certificate information to the first Funds-Management server for issuing a
certificate by the
first Funds-Management server;
[0077] The saving module 70 is used to save the information of the electronic
certificate to be
certified delivered by the second client as the electronic certificate
information of the local
terminal.
[0078] The first delivering module 80 is used to deliver a receiving
certificate to the first
Funds-Management server.
[0079] Specifically, the first receiving module 10 receives the opened
notification that is delivered
by the first Funds-Management server, where the opened notification includes
the
information of the opened electronic certificate. Before the first receiving
module 10
receives the issuing notification, both parties of the transaction form an
order first. The
issuer selects an issuing bank and delivers it to the second client at one
terminal of the
receiver. The electronic certificate is filled in by the receiver and deliver
it to the second
Funds-Management server. The second receiving module 40 receives the
certificate
collection request and the certificate to be opened for certification
delivered by the second
client. The certificate application module 50 generates a certificate request
according to the
certificate collection request and delivers the certificate request to the
second delivering
module 50. The information of issuing electronic certificate is delivered to
the first
Funds-Management server for the issuance of the first Funds-Management server.
In the
meantime, the saving module 70 saves the information of the electronic
certificate to be
certified delivered by the second client, and is ready for issuing a
certificate for subsequent
comparison.
[0080] Further, the second Funds-Management server may verify the identity of
the receiver after
receiving the certificate collection request and the electronic certificate
information
delivered by the second client, so as to verify the authenticity of the
electronic certificate to
be issued.
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[0081] The electronic certificate information to be opened including but not
limited to payment
aging, transaction object information, payout rate, the first Funds-Management
server
information, issuing amount, the performance period, the receipt period, the
electronic
certificate model, settlement mode and so on,
[0082] After receiving the issuing request, the first Funds-Management server
opens the first
electronic certificate and freezes the corresponding amount of funds or credit
limit,
generates a notice of issuing a certificate, and according to the contact
information of the
receiving bank, by telephone, fax or the communication software delivers the
noticed
notification to the second Funds-Management server.
[0083] The comparison module 20 compares the electronic certificate
information to be opened
and the first electronic certificate information that has been issued with the
local terminal.
The comparison module 20 may preset a comparison range. When the comparison
result is
within the preset comparison range, the comparison is consistent, and when the
comparison
result is consistent, the collection module 30 receives the first electronic
certificate. The
process of the receiving module 30 receiving the first electronic certificate
is actually that
the second client provides the second Funds-Management server with a receiving
account
or identity in advance and informs the second Funds-Management server that the
receiving
account or identity corresponds to after the comparison module 20 compares the
second
certificate with the first electronic certificate, the association unit 31
associates the second
client with the first electronic certificate with the first electronic
certificate by registering
the account or identity of the certificate collector corresponding to the
second client, and
the updating unit 32 updates the state of the first electronic certificate to
the
certificate-acquired process.
10084] Further, the first delivering module 80 delivers the received
certificate notification to the
first Funds-Management server. At this point, the first electronic certificate
into the
compliance period, collectors to perform compliance (such as merchants to
deliver
commodity). After receiving the certificate of compliance, the first
electronic certificate to
obtain compliance information, change the status of the Bank Credit
Certificate, the first
electronic certificate into the receipt period, (waiting for the delivery of
commodity, and
receive the commodity). After the issuer receives the commodity, the second
Funds-Management server is entrusted to the first Funds-Management server by
the second
recipient for completing the transaction conditions of the first client
corresponding to the
first electronic certificate according to the settlement condition of the
electronic certificate,
First Funds-Management server lifted the funds for the opening of the issuer
account,
transfer funds to the second Funds-Management server, and the second Funds-
Management
9
server transfer funds to the receiving account. As the first electronic
certificate can be used
to allocate funds, therefore, in practice, the performance and receipt can be
omitted. When
the fulfilment and receipt are omitted, the first Funds-Management server
receives the
received notification of the second Funds-Management server, directly transfer
of funds to
the second Funds-Management server.
[0085] The second Funds-Management server of the electronic certificate
according to the
example of the present invention is applied to an electronic certificate
payment activity,
and the receiving bank automatically initiates the payment process after
receiving the
issuing certificate, and does not need to confirm the second client. Only
electronic
certificate information can be verified by comparison, which can effectively
reduce the
transaction risk of buyers and sellers.
[0086] Example 3
[0087] The third example of the present invention provides a system for
receiving a certificate. As
shown in Figure 5, the system in Example 3 of the present invention includes a
first
Funds-Management server 100 and a second Funds-Management server 200, wherein,
[0088] The first Funds-Management server100 is used to deliver the opened
certificate of the first
electronic certificate to the second Funds-Management server 200;
[0089] The second Funds-Management server 200 is used to receive an opened
certificate of the
first electronic certificate delivered by the first Funds-Management server
100, where the
opened certificate includes the first electronic certificate information and
compares the
second electronic certificate and the first electronic certificate information
to be opened,
which is stored by the second Funds-Management server 200, and the first
electronic
certificate is received when the comparison is matched.
[0090] 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.
[0091] The foregoing is merely a preferred example of the present invention
and is not intended to
limit the invention, and any modifications, equivalent substitutions and
improvements
within the spirit and principles of the invention are intended to be included
in the scope of
the invention.
Industrial utility
[0092] The method, device and system for receiving a certificate for an
electronic certificate
according to the examples of the present invention are applied to an
electronic certificate
Date Recue/Date Received 2020-06-10
payment activity. The collection bank compares the electronic certificate
information from
the seller and the first electronic certificate information from the buyer,
the certificate is not
accepted until after the issuing. It can reduce the transaction risk of buyers
and sellers, and
there is no need to confirm the second client in the process of collection.
Only electronic
certificate information is more consistent than the same, it can collect the
certificate and
improve the efficiency of payment. Therefore, it has industrial applicability.
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Date Recue/Date Received 2020-06-10
