Note: Descriptions are shown in the official language in which they were submitted.
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Electronic Certificate-Based Discount Method And Device
Technical Field
[0001] The present invention relates to the field of network payment
technology, and in particular,
to an electronic certificate-based discount method and device.
Background Technology
[0002] With the rapid development of computers, networks and modern
communication
technology, E-commerce has become a popular and even popular way of
transaction.
E-commerce using the Internet platform to connect the parties involved in
traditional
business activities (buyers, sellers, logistics companies, financial
institutions, etc.), the
whole transaction process is networked, electronically and informational, thus
reducing the
cost of the transaction and improving the efficiency of the transaction.
[0003] The payment method of E-commerce usually adopts the network payment,
the traditional
network payment, mostly the funds in the bank card are directly allocated to
each other's
account, or allocated to a third party institution as a guarantee. After the
buyer's fund
transfer order is issued, the funds will be transferred directly, the
following situations often
occur: the buyer has not received the commodity or services provided by the
merchant, and
its funds have been paid to the seller by the bank or the third party
organization; or after the
seller offers the commodity or services, the buyer is unable to pay the
corresponding funds.
Or the buyer transfers the funds to the wrong account. Therefore, the
traditional online
payment methods have certain trading risks and cannot guarantee the interests
of buyers
and sellers.
Technical problem
[0004] The main object of the present invention is to provide an electronic
certificate based
discount method and device, aimed at reducing transaction risk, improve the
flexibility of
payment.
Problem solving solution
Technical solutions
[0005] In order to achieve the above objective, the present invention provides
a discount method
based on electronic certificate applied to Funds-Management server, including
the
following steps:
[0006] The receiving terminal based on electronic certificate discount
request;
[0007] Determine the amount of the discount fund and pay the discounted funds
to the receiving
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terminal;
[0008] Change the collection account of the electronic certificate.
[0009] The invention also proposes a discount device based on electronic
certificate, which is
applied to Funds-Management server, including:
[0010] The receiving module is set to receive the electronic certificate and
the discount request
based on the electronic certificate.
[0011] The discount module is set up to determine the amount of the discount
fund, pay the
discounted funds to the receiving terminal, and change the collection account
of the
electronic certificate.
The beneficial effect of the invention
Beneficial effect
[0012] The present invention provides a discount method based on electronic
certificate, after the
electronic certificate to the electronic certificate solution payment received
before the
settlement, the receiving terminal can be based on the electronic certificate
to the receiving
agency Funds- Management server made a discount request, the receiving agency
Funds-Management server based on the contents of the electronic certificate to
pay the
appropriate amount of funds to the receiving terminal, and the corresponding
change of
electronic certificate receivables account, so that the recipient by obtaining
electronic
certificate solution. The right to transfer funds to the receiving
institution, access to
understand the payment of funds in advance, to protect the issuing terminal of
the funds on
the basis of security, so that the receiving terminal of the terminal to
receive funds in
advance to improve the flexibility of payment is conducive to receiving
terminal of the
funds turnover; at the same time, through the electronic to pay, reducing the
transaction
risk.
A brief description of the drawings
Brief Description
[0013] Figure 1 is a flow chart of an example of an electronic certificate
based discounted method
of the present invention;
[0014] Figure 2 is a schematic block diagram of an example of a discount
system based on the
electronic certificate of the present invention;
[0015] Figure 3 is a schematic block diagram of one example of the present
invention based on the
electronic certificate discount device;
[0016] Figure 4 is a schematic block diagram of the discount module in Figure
3.
[0017] The realization of the object of the present invention, features and
advantages of the
present invention will be further described with reference to the accompanying
drawings.
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Examples of the Invention
Implementation pattern of the present invention
[0018] It is to be understood that the specific examples described herein are
merely illustrative of
the invention but not intended to limit the invention.
[0019] In the examples of the present invention, the Funds-Management server
is a computer
server of the funds management institution and the funds management
institution refers to
an organization capable of supporting the flow of funds, including but not
limited to banks
and other financial institutions (such as securities institutions), that is,
Funds-Management
server includes a bank server or other financial institution server.
[0020] In this example of the present invention, an electronic certificate
refers to a fund
management institution (for example, a bank) of electronic Funds-Management
server that
is opened on the application of a licensee to freeze funds or credit lines and
is opened in the
name of a fund management institution and commit to settle the payment credit
of
electronic credit commitment according to the agreed conditions. The basic
process of
making payment through electronic certificate is as follows: the issuing
institution (e.g.,
issuing bank), in accordance with the issuer's application, freezes the
required amount of
funds to open an electronic certificate. When the agreed terms of settlement
are reached,
the issuing authority shall pay the settlement of fund settlement.
[0021] In this example of the present invention, the solution of electronic
certificate means that
after the issuing institution (such as a issuing bank) receives the payment
application and
confirms that the payment conditions are met, transfer funds associated with
the electronic
certificate to a collection agency (such as a collecting bank).
[0022] In the example of the present invention, the discount refers to the act
of obtaining the
capital in advance by transferring the right of obtaining the funds to the
collection
institution before the certificate collector finishes the freezing of the
funds.
[0023] Figure 1, a first example of an electronic certificate-based
discounting method according to
the present invention is proposed. The method is applied to a Funds-Management
server.
The Funds-Management server is a computer server of a funds management
institution (for
example, a bank). The method includes the following steps:
[0024] S11, The receiving terminal based on electronic certificate discount
request.
[0025] In the present invention, during this period, the receiving terminal
can make a discount
request to the receiving institution at any time before the electronic
certificate is issued to
the electronic certificate.
[0026] Preferably, after the Funds-Management server receives the certificate
receiving request
from the receiver, the Funds-Management server obtains the content of the
corresponding
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electronic certificate and related information of the receiver, and determines
whether to
provide the discount according to the content of the electronic certificate
and the credit
status of the receiver; and determine the discount ratio, the discount ratio
refers to the
amount of discounts applied to the receiving terminal, to be fully discounted
or partially
discounted, partial discounted, the specific proportion of the total. Wherein,
the amount of
the discounted amount applied by the collection terminal is usually the amount
of the
settlement fund to be paid when the collection terminal solves the electronic
certificate or
the amount of the fund included in the electronic certificate, and the amount
of the
settlement fund or the amount of funds included in the electronic certificate
usually
electronic certificate of the opening amount, that is, the opening of
electronic certificate
frozen funds or credit limit.
[0027] For example, when the credit status of the recipient is not good, the
Funds-Management
server refuses the application for discounting; when the credit status of the
recipient is
relatively good and the amount applied for discounting by the destination is
relatively low,
the Funds-Management server allow the full discount; Funds-Management server
will
grant a partial discount when the credit status of the recipient is good and
the amount of
discounts applied by the permitting terminal is relatively high.
[0028] S12, to determine the amount of discounted funds.
[0029] In step S12, the Funds-Management server determines, according to the
content of the
electronic certificate, the solution funds to be obtained when the settlement
terminal solves
the electronic certificate and determines the amount of the discount funds
according to the
funds to be paid.
[0030] Specifically, taking the full discount as an example, the Funds-
Management server
determines the pre-collected discount fee according to the funds to be paid
and the
difference obtained by subtracting the discount fee from the paid-out fund as
the amount of
discounted funds.
[0031] Optionally, the discounting fee may be a fixed quota fee, that is, a
preset fixed limit fee as a
discount fee. If each discount are charged the same amount of fees, or
depending on the
amount of funds to be paid different amounts of fees.
[0032] Optionally, the discounting fee may also be charged according to a
preset proportion of the
funds to be paid, namely, the fee that accounts for the preset proportion of
the funds to be
paid is taken as the discounted fee pre-collected. The default ratio can be
fixed, it can also
change with the payment of funds to change.
[0033] Optionally, the Funds-Management server calculates the expected
interest income of the
settlement fund from the current period to the settlement of the electronic
certificate and
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discounts the expected interest income as the discount expense. For example,
if there is still
one month from the date of settlement of electronic certificate, the current
interest, periodic
interest or contractual interest of the funds within one month of settlement
will be used as
the discount to compensate the Funds-Management server for early payment to
the
receiving terminal the loss of funds. The date of payment of electronic
certificate can be
understood as the time when the funds of the Funds Management server of the
issuing
institution will arrive at the Funds Management server of the receiving
institution. The time
can be estimated according to the general situation.
[0034] The above full discount as an example of the determination of the
amount of the discount
fund is explained in detail. The partial discount is similar to the full
discount. It only
changes the benchmark data from the discounted payment to the amount of funds
obtained
by multiplying the discount rate.
[0035] Funds-Management server confirms the amount of the discounted fund and
delivers it to
the receiving terminal for confirmation.
[0036] S13, pay discounted funds to the receiving terminal.
[0037] Specifically, the Funds-Management server pays the discounted funds to
the receiving
account of the electronic certificate, i.e., the receiving party's account or
the third party's
account designated by the receiving party.
[0038] S14, change the electronic certificate receivables account.
[0039] Specifically, Funds-Management server records the discount information
after completing
the payment, and changes the receiving account of the electronic certificate.
When it is
fully discounted, the original receiving account is replaced with the account
of the
receiving institution or the third party specified by the issuing institution
directly. When it
is partially discounted, the account of the newly added collecting institution
or the
designated institution of the collecting institution of the third party
accounts for the
collection of accounts, and according to the discount ratio for the original
payment account
and the new payment account distribution electronic certificate payment ratio.
[0040] Subsequent electronic certificate solution payment, after Funds-
Management server
receives the settlement fund of Funds-Management server from issuing
institution, it will
transfer all settlement funds into the replacement payment account or the
original payment
account and the new receipt according to the determined settlement ratio
disbursement of
funds between the accounts allocated.
[0041] Thus, the present invention provides a discount method based on
electronic certificate,
after the electronic certificate to the electronic certificate solution
payment received before
the settlement, the receiving terminal can be based on the electronic
certificate to the
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receiving agency Funds- Management server made a discount request, the
receiving agency
Funds-Management server based on the contents of the electronic certificate to
pay the
appropriate amount of funds to the receiving terminal, and the corresponding
change of
electronic certificate receivables account, so that the recipient by obtaining
electronic
certificate solution. The right to transfer funds to the receiving
institution, access to
understand the payment of funds in advance, to protect the issuing terminal of
the funds on
the basis of security, so that the receiving terminal of the terminal to
receive funds in
advance to improve the flexibility of payment; at the same time, through the
electronic to
pay, reducing the transaction risk.
[0042] Referring to Figure 2, an electronic certificate based discount system
according to an
example of the present invention is provided. The system includes a receiving
terminal and
a Funds-Management server, wherein:
[0043] Receiving terminal: Set to submit a discount request to the Funds-
Management server
based on the electronic certificate after the electronic certificate is
received, and confirm
the amount of discount funds determined by the Funds-Management server.
[0044] Funds-Management server: set to receive the certificate based on the
terminal of the
electronic certificate request and to determine the amount of discounted funds
to the
receiving terminal to pay discounted funds, and change the electronic
certificate of the
receiving account.
[0045] The system for providing an electronic certificate provided by the
above example belongs
to the same concept as the method example for an electronic certificate. For
the specific
implementation process, refer to the method example for details. The technical
characteristics of the method are applicable in the system implementation
cases.
[0046] Please refer to Figure 3, Figure 4, a first example of the present
invention based on an
electronic certificate-based discounting device is proposed. The device in
this example is
applied to the aforementioned Funds-Management server. The Funds-Management
server
is a fund management institution (for example, a bank) computer server,
including the
following modules:
[0047] Receiving module: configured to receive the electronic certificate and
the receiving
terminal based on the electronic certificate of the discount request, to
determine whether to
discount and discount ratio, and the determination result is delivered to the
discount
module.
[0048] Specifically, after receiving the certificate receiving request of the
receiving end, the
receiving module obtains the content of the corresponding electronic
certificate and related
information of the receiver, and determines whether to provide the discount
according to
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the content of the electronic certificate and the credit status of the
receiver; and determine
the discount ratio, the discount ratio refers to the amount of discounts
applied to the
receiving terminal, to be fully discounted or partially discounted, partial
discounted, the
specific proportion of the total. Wherein, the amount of the discounted amount
applied by
the collection terminal is usually the amount of the settlement fund to be
paid when the
collection terminal solves the electronic certificate or the amount of the
fund included in
the electronic certificate, and the amount of the settlement fund or the
amount of funds
included in the electronic certificate usually electronic certificate of the
opening amount,
that is, the opening of electronic certificate frozen funds or credit limit.
[0049] The discount module is set up to determine the amount of the discount
fund, pay the
discounted funds to the receiving terminal, and change the collection account
of the
electronic certificate.
[0050] Specifically, as shown in Figure 4, the discount module includes a
settlement fund
determination unit, a discount fund determination unit, a discount fund
payment unit, and a
collection account change unit, wherein:
[0051] Settlement funds confirmation unit: set according to the contents of
the electronic
certificate, to determine the funds to be paid when the collection terminal
solves the
electronic certificate and deliver it to the unit for determining the discount
funds.
[0052] The discounted fund determination unit is used to determine the amount
of the discounted
fund according to the disbursement fund and deliver the discounted fund
payment unit.
[0053] Specifically, to the full discount as an example, the discounted funds
to determine the unit
will be paid off funds minus the discounted cost of the difference obtained as
the amount of
discounted funds.
[0054] Optionally, the discounting fee may be a fixed quota fee, that is, a
preset fixed limit fee as a
discount fee. If each discount are charged the same amount of fees, or
depending on the
amount of funds to be paid different amounts of fees.
[0055] Optionally, the discounting fee may also be charged according to a
preset proportion of the
funds to be paid, namely, the fee that accounts for the preset proportion of
the funds to be
paid is taken as the discounted fee pre-collected. The default ratio can be
fixed, it can also
change with the payment of funds to change.
[0056] Optionally, the discounted fund determination unit calculates the
expected interest income
of the solution fund from the current settlement period to the settlement of
the electronic
certificate, using the expected interest income as the discount expense. For
example, if
there is still one month from the date of settlement of electronic
certificate, the current
interest, periodic interest or contractual interest of the funds within one
month of settlement
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will be used as the discount to compensate the Funds-Management server for
early
payment to the receiving terminal the loss of funds.
[0057] The above full discount as an example of the determination of the
amount of the discount
fund is explained in detail. The partial discount is similar to the full
discount. It only
changes the benchmark data from the discounted payment to the amount of funds
obtained
by multiplying the discount rate.
[0058] The discounted funds determining unit determines the amount of
discounted funds,
delivered to the receiving terminal to confirm.
[0059] Discounted funds payment unit: set to pay the discount party to the
receiving terminal of
the funds, notify the payment account to complete the change unit.
[0060] Specifically, the discounted fund payment unit pays the discount fund
to the receiving
account of the electronic certificate, i.e., the receiver's account or the
third party's account
designated by the credit collector.
[0061] Receiving account change unit: Set to change the electronic certificate
receiving account.
[0062] Specifically, after the payment of the discount fund payment unit
completes, the collection
account change unit records the discount information and changes the
collection account of
the electronic certificate. When it is fully discounted, the original
receiving account is
replaced with the account of the receiving institution or the third party
specified by the
issuing institution directly. When it is partially discounted, the account of
the newly added
collecting institution or the designated institution of the collecting
institution of the third
party accounts for the collection of accounts, and according to the discount
ratio for the
original payment account and the new payment account distribution electronic
certificate
payment ratio.
[0063] Subsequent electronic certificate solution payment, after Funds-
Management server
receives the settlement fund of Funds-Management server from issuing
institution, it will
transfer all settlement funds into the replacement payment account or the
original payment
account and the new receipt according to the determined settlement ratio
disbursement of
funds between the accounts allocated.
[0064] The electronic certificate-based discount device provided in the
foregoing example belongs
to the same concept as the electronic certificate-based discount method
example. For the
specific implementation process, reference may be made to the method examples,
and the
technical features in the method examples are the same as those in the device
example
corresponding to the applicable, not repeat them here.
[0065] Thus, the present invention of the electronic certificate-based
discount device, after the
electronic certificate to the electronic certificate solution to receive
payment of funds
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received, based on the receiving terminal of the electronic certificate based
on the discount
request, to the receiving end to pay corresponding amount of funds, and the
corresponding
change of electronic certificate receivables account, so that the recipient by
obtaining the
electronic certificate to pay the funds to transfer the right to the receiving
institutions,
access to understand the payment of funds in advance to protect the issuing
terminal of the
funds security. On the basis of the receiving terminal to receive funds in
advance to
improve the flexibility of payment; the other hand, through the electronic
certificate to pay,
reducing the trading risk.
[0066] It should be noted that, if the discount, due to electronic certificate
failed to pay and lead to
the receiving agency cannot get electronic certificate solution funds, the
collecting agency
may recover to the collector.
[0067] It will be understood by the ordinary skill in the field that the
realization of all or part of
the steps of the method described above may be controlled by a program to
control the
associated hardware completion, which may be stored in a computer-readable
storage
medium. The storage medium may be ROM / RAM, a magnetic disk, an optical disk,
etc.
[0068] It is to be understood that the above is only a preferred example of
the present invention
and is not intended to limit the scope of the invention as a matter of
limitation, either by
way of equivalent construction or equivalent process transformation using the
present
specification and the accompanying drawings, directly or indirectly used in
other related
technical fields, which are included in the scope of the patent protection of
the present
invention.
Industrial utility
[0069] The present invention provides a discount method based on electronic
certificate, after the
electronic certificate to the electronic certificate solution payment received
before the
settlement, the receiving terminal can be based on the electronic certificate
to the receiving
agency Funds- Management server made a discount request, the receiving agency
Funds-Management server based on the contents of the electronic certificate to
pay the
appropriate amount of funds to the receiving terminal, and the corresponding
change of
electronic certificate receivables account, so that the recipient by obtaining
electronic
certificate solution. The right to transfer funds to the receiving
institution, access to
understand the payment of funds in advance, to protect the issuing terminal of
the funds on
the basis of security, so that the receiving terminal of the terminal to
receive funds in
advance to improve the flexibility of payment is conducive to receiving
terminal of the
funds turnover; at the same time, through the electronic to pay, reducing the
transaction
risk.
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