METHOD, SERVER, TERMINAL, AND SYSTEM FOR SETTING MATURITY OF ELECTRONIC CERTIFICATE

PROCEDE, SERVEUR, TERMINAL, ET SYSTEME DE REGLAGE DE MATURITE DE CERTIFICAT ELECTRONIQUE

English Abstract

A method, server, terminal, and system for setting the maturity of an
electronic certificate. The method comprises the
following steps: acquiring electronic certificate issuance information
transmitted by a terminal, where the electronic certificate
issuance information comprises maturity information of an electronic
certificate; determining whether or not the maturity information is
reasonable (S203); and if yes, then producing an electronic certificate
comprising the maturity (S204). The maturity of the electronic
certificate is set by setting payment application information, thus increasing
control over an electronic certificate fund, facilitating
management of funds, and at the same time increasing the security of capital
flow.

French Abstract

L'invention concerne un procédé, un serveur, un terminal, et un système de réglage de la maturité d'un certificat électronique. Le procédé comprend les étapes consistant : à acquérir des informations d'émission de certificat électronique transmises par un terminal, les informations d'émission de certificat électronique comprenant des informations de maturité d'un certificat électronique ; à déterminer si les informations de maturité sont raisonnables ou non (S203) ; et si c'est le cas, alors à produire un certificat électronique comprenant la maturité (S204). La maturité du certificat électronique est réglée par réglage d'informations de demande de paiement, ce qui permet d'augmenter la commande sur un fonds de certificat électronique, de faciliter la gestion de fonds, et en même temps d'augmenter la sécurité d'un flux de capitaux.

Claims

Claims:
1. A computer system for setting maturity and determining validity on an
electronic certificate
of an applicant in an electronic transaction, the system comprising:
a terminal configured to:
generate information for issuing electronic certificate, wherein the
information
for issuing electronic certificate includes a validity period of a settlement
certificate and settlement information with a required amount of funds to pay
a
recipient; and
deliver the information for issuing electronic certificate to a server;
the server configured to:
obtain the information for issuing electronic certificate delivered by the
terminal, wherein the information for issuing electronic certificate includes
the
validity period of the settlement certificate and settlement information with
the
required amount of funds to pay the recipient;
determine whether the validity period of settlement is within a reasonable
range
according to a pre-stored settlement information;
where if the validity period of settlement is within a reasonable range,
generate
the electronic certificate containing the validity period of the settlement
certificate, and freeze the required amount of funds in an account of the
applicant in accordance with the issuing electronic certificate;
detect a device of the recipient of the electTonic certificate acquires the
electronic certificate;
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determine whether the electronic certificate is valid by determining whether
the
electronic certificate is acquired by the recipient within the validity
period;
wherein if the electronic certificate is valid, settling the electronic
transaction
according to the settlement information and unfreezing the frozen funds to be
sent to an account of the recipient, and if not, determining the electronic
certificate is invalid, unfreezing the frozen funds, and generating electronic
certificate failure information and deliver to the terminal; and
the device configured to acquire the electronic certificate.
2. The system of claim 1, wherein the electronic certificate is valid within
the validity period of
the settlement certificate.
3. The system of claim 1, wherein the electronic certificate is invalid when
failing to receive a
settlement certificate request within validity period of the settlement
certificate.
4. A computer implemented method for setting maturity and determining validity
on an
electronic certificate of an applicant in a server in an electronic
transaction, the method
comprising:
obtaining information for issuing electronic certificate delivered by a
terminal, wherein
the information for issuing electronic certificate includes a validity period
of a settlement
certificate and settlement information with a required amount of funds to pay
a recipient;
determining whether the validity period of settlement is within a reasonable
range
according to a pre-stored settlement information; and
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where if the validity period of settlement is within a reasonable range, the
server
generating the electronic certificate containing the validity period of the
settlement
certificate, and freezing the required amount of funds in an account of the
applicant in
accordance with the issuing electronic certificate;
detect a device of the recipient of the electronic certificate acquires the
electronic
certificate;
determine whether the electronic certificate is valid by determining whether
the
electronic certificate is acquired the recipient within the validity period;
and
wherein if the electronic certificate is valid, settling the electronic
transaction according
to the settlement information and unfreezing the frozen funds to be sent to an
account of
the recipient, and if not, determining the electronic certificate is invalid,
unfreezing the
frozen funds, and generating electronic certificate failure information and
deliver to the
terminal.
5. The method of claim 4, wherein the electronic certificate is valid within
the validity period of
the settlement certificate.
6. The method of claim 4, wherein the electronic certificate is invalid
when failing to receive a
settlement certificate request within validity period of the settlement
certificate.
7. A computer implemented server for setting maturity and determining validity
on an
electronic certificate of an applicant in an electronic transaction, the
server comprising:
an acquisition module configured to obtain information for issuing electronic
certificate
delivered by a terminal, wherein the information for issuing electronic
certificate
includes a validity period of a settlement certificate and settlement
information with a
required amount of funds to pay a recipient;
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a storage module configured to store the information for issuing electronic
certificate;
a processing module configured to:
determine whether the validity period of settlement is within a reasonable
range according to a pre-stored settlement information; and
where if the validity period of settlement is within a reasonable range,
generating the electronic certificate containing the validity period of the
settlement certificate, and freezing the required amount of funds in an
account
of the applicant in accordance with the issuing electronic certificate;
wherein the acquisition module and the storage module are respectively
communicatively connected to the processing module via signal;
detect a device of the recipient of the electronic certificate acquires the
electronic certificate;
determine whether the electronic certificate is valid by determining whether
the
electronic certificate is acquired the recipient within the validity period;
and
wherein if the electronic certificate is valid, settling the electronic
transaction according
to the settlement information and unfreezing the frozen funds to be sent to an
account of
the recipient, and if not, determining the electronic certificate is invalid,
unfreezing the
frozen funds, and generating electronic certificate failure information and
deliver to the
terminal.
8. The server of claim 7, wherein the electronic certificate is valid within
the validity period of
the settlement certificate.
Date Recue/Date Received 2022-08-02

9. The server of claim 7, wherein the processing module is further configured
to determine
whether the acquisition module receives a settlement certificate request
within the validity
period of the settlement certificate.
10. The server of claim 9, wherein the electronic certificate is invalid when
the acquisition
module fails to receive the settlement certificate request within the validity
period of the
settlement certificate.
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Date Recue/Date Received 2022-08-02

Description

CA 02994367 2018-01-31
WO 2017/012027 PCT/CN2015/084596
Method, Server, Terminal, And System For Setting Maturity Of Electronic
Certificate
Technical Field
[0001] The present invention relates to the field of finance, and in
particular, to a method, a server,
a terminal and a system for setting an electronic certificate settlement time
limit.
[0002] Background Technology
[0003] In the current people's funds circulation activities, neither the
online banking system nor
the third-party payment system have agreed on the circulation limitation of
funds and are
still the principle of circulation all the time, which is not conducive to the
reasonable
control over the circulation of funds by both parties. In particular, in the
process of
electronic certificate business, if it is not possible to set the time limit
for the payment of
electronic certificate, the flow of funds cannot be controlled and the
security performance
of the fund will be affected.
[0004] Summary of the Invention
[0005] The present application provides a method, server, terminal and system
capable of settling
settlement time for electronic certificate funds.
[0006] According to a first aspect, an example provides a method for setting
an electronic
certificate settlement time limit, and the server performs the following
steps:
[0007] To obtain the electronic certificate information delivered by the
terminal, to open electronic
certificate information, including electronic certificate;
[0008] Determine the timing of the settlement information is reasonable, if
reasonable, generates a
settlement certificate containing the electronic certificate.
[0009] Further, the electronic certificate is valid within the time limit for
settlement.
[0010] Further, if the electronic certificate submitted by the terminal is not
received within the
validity period of the application for settlement, the electronic certificate
is invalid.
[0011] According to a second aspect, in one example, it is provided a server
for setting an
electronic certificate settlement time limit, including:
[0012] Acquisition module is used to obtain the electronic certificate
information delivered by the
terminal, to open electronic certificate information, including electronic
certificate;
[0013] Storage module is used for storing open electronic certificate
information;
[0014] The processing module is used to judge whether the time limit
information is reasonable,
and if it is reasonable, it will generate electronic certificate containing
the time limit for the

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payment; the acquisition module and storage module are respectively connected
with the
processing module signal.
[0015] In another example of the present invention, it is provided an
electronic certificate terminal
for settling aging, including:
[0016] A delivering module is used for deliver electronic certificate
information to the server;
[0017] The processing module is used to generate the information of opening
the electronic
certificate and the information of opening the electronic certificate,
including the electronic
certificate.
[0018] In another example of the present invention, it is provided a terminal
for settling
time-setting of electronic certificate, which includes the above-mentioned
electronic
certificate server and terminal for settling time-setting.
[0019] According to the above example of a method of electronic settlement
time, servers,
terminals and systems, by setting the payment application information for the
electronic
certificate, the control of electronic certificate funds and the management of
funds are
improved, and the circulation of funds is safer.
[0020] Brief Description
[0021] Figure 1 is a flowchart of a method for setting the aging of an
electronic certificate in an
example;
[0022] Figure 2 is an example of the electronic certificate settlement aging
server block diagram;
[0023] Figure 3 is an example of the electronic certificate settlement aging
terminal block
diagram;
[0024] Figure 4 is an example of the electronic certificate settlement time-
setting system block
diagram;
[0025] Figure 5 is a flowchart of a method for setting the aging of an
electronic certificate in an
example.
[0026] Description of the Preferred Examples
[0027] The following specific examples with the accompanying drawings of the
present invention
will be described in further detail.
[0028] The electronic certificate is the electronic commitment payment
certificate which the bank
undertakes to pay the funds according to the agreed terms, it refers to the
electronic
certificate issued by the bank according to the amount of funds or credit
limit required by
the application of the applicant, and the bank undertakes to handle the
payment and
settlement in accordance with the agreed terms.
[0029] The usual business process for electronic certificate is the issuing
bank freeze the required
amount of funds in accordance with the issuer's application to open an
electronic
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certificate, and after receiving the certificate from the receiving bank, the
issuing bank pay
and settle the payment by the issuing bank to the receiving bank.
[0030] Example 1:
[0031] As shown in Figure 1, in this example of the present invention, it is
provided a method for
settling time-setting of an electronic certificate, which is executed by a
server of an issuing
bank, and includes the following steps:
[0032] S101: Detect whether the receiving application is received to pay the
electronic certificate
request;
[0033] The server detects whether the request for settlement of the electronic
certificate submitted
by the terminal has been received within the validity period of the expiration
date of the
application of electronic certificate. If it is obtained, it is judged whether
the electronic
certificate is valid. If it is not obtained, the electronic certificate is
invalid, the funds are
frozen, and the electronic certificate failure information is generated and
delivered to the
terminal.
[0034] The opening of the electronic certificate information includes the
settlement information of
the electronic certificate, and the settlement information of the aging
payment is set by the
issuer through the terminal. The settlement of the validity period of the
settlement
certificate is used by the receiver to apply for settlement information
through the terminal
feedback. If the issuer fails to provide feedback during the validity period,
the electronic
certificate will be invalid.
[0035] S102: judging whether the settlement and amortization information is
reasonable or not;
[0036] The server compares the acquired settlement aging information with the
pre-stored
settlement information, and determines whether the settlement application
information
meets the solution payment conditions and is within a reasonable range. If
reasonable, then
enter the electronic certificate settlement period, if not reasonable, then
return the
application information, and returned feedback.
[0037] S103: Enter settlement period.
[0038] The present example provides a method for setting a settlement time
limit for electronic
certificate, by setting the payment application information for the electronic
certificate, the
control of electronic certificate funds and the management of funds are
improved, and the
circulation of funds is safer.
[0039] Example 2:
[0040] As shown in Figure 2, this example provides a server for setting an
aging settlement
solution in an electronic certificate. The server I is an executing subject of
an issuing bank.
The server 1 includes an acquisition module 11, a storing module 12 and a
processing
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module 13. The acquisition module 11 and the storage module 12 are
respectively and
signal-connected to the processing module 13.
[0041] The acquisition module 11 is used to obtain the information of opening
the electronic
certificate generated by the terminal, and opening the electronic certificate
information
including the settlement information of the electronic certificate. The
settlement payment
limit information is set by the issuer through the terminal.
[0042] The storage module 12 is used to store the information of opening the
electronic certificate,
and is further configured to store preset settlement information, which is
used for
determining whether the settlement aging information in the unlocking
electronic
certificate information is valid.
[0043] The processing module 13 is used to detect whether the electronic
certificate of the open
electronic device generated by the terminal is acquired within the validity
period of
applying for the expiration of the electronic certificate, and if the obtained
electronic
certificate of the electronic certificate is obtained, determine whether the
validity
information of the payment valid matches; if not, the electronic certificate
will be invalid,
the funds for freezing will be released, and the electronic certificate will
be issued to
invalidate the information and deliver it to the terminal. To determine
whether the validity
of the settlement information is valid, and if so, enter the settlement
period, the electronic
certificate is valid in the expiration date of the settlement: if not, the
electronic certificate
failure, release the funds, and generate electronic certificate solution
failure information
and deliver to the terminal.
[0044] The system provided by this example of the electronic certificate
settlement aging
prescription system, including the server 1, the server 1 obtains the
settlement application
information and determines whether it is valid or not, so as to realize the
settlement of the
electronic certificate. Improve the control of electronic certificate funds,
to facilitate the
management of funds, while making the flow of funds more secure.
[0045] Example 3:
[0046] As shown in Figure 3, this example provides a terminal for settlement
setting of an
electronic certificate. The terminal 2 is an executive body of a receiver. The
receiver can
control the terminal by outputting data information. The terminal 2 is
connected to server
1, the terminal 2 includes a delivering module (21), a processing module 22
and a storage
module (23).
[0047] The delivering module 21 is used to deliver the information of opening
the electronic
certificate to the server I. The information for opening an electronic
certificate is valid for
the period of validity of the application for settlement, and the information
for opening the
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electronic certificate is invalid if it is not provided to the server within
the validity period
of the application for expiration.
[0048] The processing module 22 is used to generate electronic certificate
information. The
delivering module 21 is signal-connected to the processing module (22).
[0049] The storage module 23 is used to store the electronic certificate
information. The storage
module 23 is signal-connected to the processing module.
[0050] The collector can set the time limitation information in the electronic
certificate
information through terminal 2.
[0051] Example 4:
[0052] As shown in Figure 4, this example provides a system for setting the
aging settlement of an
electronic certificate, which includes the server I in the foregoing Example 3
and the
terminal 2 in Example 4. Server 1 and Terminal 2 are signal-connected.
[0053] As shown in Figure 5, the method provided by the present invention for
settling the aging
settlement of an electronic certificate includes the following steps:
[0054] S201: the issuer enters the information for opening the electronic
certificate and sets the
settlement time limit;
[0055] The issuer through the terminal 2 to achieve the issuing of card
information input, and set
the settlement time.
[0056] S202: the issuing bank receives the information to open the electronic
certificate;
[0057] The issuing bank server 1 accepts the electronic certificate
information entered by the
issuer.
[0058] S203: to determine whether the period expiration of settlement is
reasonable;
[0059] S204: If it is reasonable, generate an electronic certificate
containing the settlement time
limit.
[0060] The server 1 of the issuing bank compares the acquired settlement aging
information with
the pre-stored settlement information, and determines whether the settlement
application
information meets the solution payment conditions and is within a reasonable
range. If it is
reasonable, the electronic certificate enters the settlement period of the
electronic
certificate, and the electronic certificate is valid within the period of
validity of the
settlement; if it is not reasonable, the electronic certificate will be
invalidated, the funds
will be released from freezing, and the electronic certificate will be issued
to invalidate the
information and deliver it to the terminal.
[0061] The present example provides a method for settling the aging settlement
of electronic
certificate by settling the application information to set the aging of the
settlement of the
electronic certificate, so that the electronic certificate fund dominance
status can be opened

by the issuer or / and collectors set up to improve the control of electronic
certificate funds
to facilitate the management of funds, while making the flow of funds more
secure.
[0062] 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.
[0063] Specific examples are used above to illustrate the present invention,
but only to help
understand the present invention, but not to limit the present invention. For
technical
personnel in the technical field of the present invention, a number of simple
deductions,
deformations or substitutions can be made in accordance with the idea of the
invention.
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Representative Drawing