Note: Descriptions are shown in the official language in which they were submitted.
ELECTRONIC CERTIFICATE PAYMENT METHOD, SYSTEM AND DEVICE
Technical Field
[0001] The present invention relates to the field of network payment
technology, and in
particular, to an electronic certificate solution payment method, system, and
device.
Background Technology
[0002] Payment refers to payment of money produced on the basis of economic
contracts in
the business activities. At present, many banks or enterprises have provided a
network of payment services, allowing users to operate computers, mobile
phones
and other terminal equipment to achieve network payment. The network payment
provides users with a great convenience. In the existing network payment
methods,
most of the funds in the bank card are allocated directly to the other's
account, or to
the third party organizations as security.
[0003] In a traditional online payment, after the buyer's money order is
issued, the funds
will be transferred directly, and 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 money to the wrong account. At this stage there is
a
certain risk of online payment transactions, which cannot guarantee the
interests of
both buyers and sellers.
Technical problem
[0004] The main object of the present invention is to provide a method, system
and device
for electronic certificate settlement, aimed at reducing transaction risk,
improve the
flexibility and convenience of electronic certificate settlement, and improve
the
efficiency of solution.
Problem solving solution
Technical solutions
[0005] In order to achieve the above object, the present invention provides a
method for
electronic certificate payment, including the following steps:
[0006] The second Funds-Management server receives the settlement application
delivered
by the settlement application and delivers it to the first Funds-Management
server;
[0007] The first Funds-Management server according to the settlement
application begins
the electronic certificate solution;
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[0008] During the process of settlement, the second Funds-Management server
receives the
settlement reduction request delivered by the settlement commissioner and
delivers
the request to the first Funds-Management server;
[0009] The first Funds-Management server updates the settlement amount of the
electronic
certificate according to the reduction settlement amount request, and pays the
electronic certificate according to the updated settlement amount.
[0010] The present invention also proposes an electronic certificate solution
payment
method, applied to the first Funds-Management server, including the following
steps:
[0011] According to the payment application delivered by the second Funds-
Management
server, the payment of electronic certificate is started.
[0012] In the settlement process, receiving the reduced amount of payment
request
delivered by the second Funds-Management server, according to the reduction of
settlement amount request to update the settlement amount of the electronic
certificate;
[0013] The electronic certificate is paid according to the updated settlement
amount.
[0014] The present invention also proposes an electronic certificate solution
payment
method, applied to a second Funds-Management server, including the following
steps:
[0015] Receives the settlement application delivered by the delivering
terminal application
and delivered to the first Funds-Management server;
[0016] The reduction payment request delivered by the payment application is
received and
delivered to the first Funds-Management server.
[0017] The present invention also proposes an electronic certificate
settlement system,
including the payment application terminal, a first Funds-Management server
and a
second Funds-Management server, wherein:
[0018] The settlement application terminal is used to deliver a settlement
application to the
second Funds-Management server, and deliver a reduction settlement amount
request
to the second Funds-Management server during the settlement process;
[0019] The second Funds-Management server is used to receive the settlement
request and
the reduction settlement amount request and deliver the request to the first
Funds-Management server;
[0020] The first Funds-Management server is used to start the solution payment
of the
electronic certificate according to the settlement application, and receive
the request
for reducing the settlement amount during the settlement process, and
according to
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the reduced payment amount request, the amount of the electronic certificate
is
updated, and the electronic certificate is repaid according to the updated
amount of
the payment.
[0021] The present invention also proposes an electronic certificate solution
payment
device, applied to the first Funds-Management server, including:
[0022] Electronic certificate solution module is set to start to solve the
electronic certificate
according to the settlement application delivered by the second Funds-
Management
server;
[0023] The settlement amount updating module is used to: during the settlement
process,
receive a settlement reduction amount request delivered by the second
Funds-Management server and update the settlement amount of the electronic
certificate according to the reduction settlement amount request;
[0024] The electronic certificate settlement module is used to: in the
settlement process of
payment, when the amount of payment is updated, the electronic certificate is
paid
according to the updated amount of payment.
[0025] The present invention also provides an electronic certificate solution
payment
device, which is applied to a second Funds-Management server, including:
[0026] Solution payment application module is used to receive the settlement
application
delivered to the terminal of the application and delivered to the first
Funds-Management server;
[0027] The reduction in payment amount request module is used to receive the
reduction
payment amount request delivered by the settlement commissioner and deliver
the
reduction payment amount request to the first Funds-Management server.
The beneficial effect of the invention
Beneficial effect
[0028] The present invention provides an electronic certificate settlement
method, system
and device, on the one hand, it reducing the transaction risk by electronic
certificate
payment; the other hand, during the settlement process of electronic
certificate, it is
proposed to reduce the settlement amount at any time without having to re-open
a
new electronic certificate, which improves the flexibility and convenience of
electronic certificate settlement and improves the efficiency of solution.
A brief description of the drawings
Brief Description
[0029] Figure 1 is a flow chart of the first example of the electronic
certificate solution
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payment method of the present invention;
[0030] Figure 2 is an interactive schematic diagram of each subject when the
electronic
certificate is unloaded in the example of the present invention;
[0031] Figure 3 is a flowchart of the second example of the electronic
certificate solution
payment method of the present invention;
[0032] Figure 4 is a flow chart of the electronic certificate solution payment
method of the
third example of the present invention;
[0033] Figure 5 is a block diagram of the first example of the electronic
certificate solution
payment system of the present invention;
[0034] Figure 6 is a block diagram of an example of the electronic certificate
settlement
device of the present invention.
[0035] Figure 7 is a schematic view of a second example of an electronic
certificate solution
deliverer of the present invention.
[0036] 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.
Examples of the Invention
Implementation pattern of the present invention
[0037] It is to be understood that the specific examples described herein are
merely
illustrative of the invention but not intended to limit the invention.
[0038] In the examples of the present invention, the Funds-Management server
is a 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, third-
party
payment platforms etc.), that is, Funds-Management server includes a bank
server or
other financial institution server.
[0039] In this example of the present invention, an electronic certificate
refers to a payment
certificate 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.
[0040] In the example of the present invention, the issuer (usually the buyer)
is the entity
applying for the establishment of the electronic certificate to the fund
management
institution, which may be a natural person, a legal person or other
organization, and
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the issuer is the terminal held by the issuer.
[0041] 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).
[0042] In the example of the present invention, the payment applicant is the
entity that
applies for payment to the issuing institution, which may be the card issuer
(usually
the seller) or another authorized third party, and the payment application is
the
terminal that the applicant holds.
[0043] 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:
[0044] 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.)
[0045] 2. After the issuing agency accepts, open electronic certificate and
freeze the
corresponding amount of funds or credit line.
[0046] 3. The recipient (such as the seller) apply to the receiving authority
(such as the
receiving bank) for a certificate.
[0047] 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).
[0048] 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.
[0049] 6. When the issuer to sign the commodity, that is the after receiving
the transaction
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conditions of electronic certificate according to the payment terms of
electronic
certificate, the applicant apply to the issuing agency for payment.
[0050] 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.
[0051] 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.
[0052] 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.
[0053] In the following, the opening procedure of the electronic certificate
will be described
in detail through specific examples.
[0054] Please refer to Figure land Figure 2, the first example of the present
invention
electronic certificate solution payment method, the method includes the
following
steps:
[0055] S11, the payment application delivers the payment application to the
second
Funds-Management server.
[0056] In this step S11, when agreed payment conditions are reached, the
solution payment
application terminal logs into the corresponding web page or opens the
corresponding application to the second Funds-Management server to submit the
application for settlement of electronic certificate information. The
settlement
application includes a full settlement application and partial settlement
application.
[0057] S12, the second Funds-Management server receives the payment request
and
delivers it to the first Funds-Management server.
[0058] In step S12, after receiving the information for applying for the
electronic certificate,
deliver the application information for settlement of the electronic
certificate to the
first Funds-Management server (i.e., the issuing bank such as the issuing
bank's
server).
[0059] S13. The first Funds-Management server according to the settlement
application to
begins the electronic certificate solution;
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[0060] In this step S13, after receiving the information for applying for
settlement of the
electronic certificate, the first Funds-Management server verifies the
settlement
application and executes the electronic certificate settlement process.
[0061] Specifically, it includes verifying whether the payment condition is
satisfied,
verifying whether the electronic certificate corresponding to the solution
payment
application is invalid, whether the electronic certificate has been settled,
and so on.
When the verification is passed, the electronic certificate is released.
Otherwise, the
application is refused and the corresponding information is returned to the
second
Funds-Management server. For example, when the electronic certificate has
expired,
the second Funds-Management server delivers the information that the
electronic
certificate has expired. When the electronic certificate has been paid, the
second
Funds-Management server is delivered the information that the electronic
certificate
has been paid.
[0062] S14. During the process of settlement, the settlement application
delivers a request to
reduce the settlement amount to the second Funds-Management server.
[0063] During the process of settlement, before the settlement is completed,
the
settlement applicant can submit a request for reducing the settlement amount
to the
second Funds-Management server at any time by logging in to the corresponding
web page or opening the corresponding application.
[0064] In the present invention, the amount of payment is reduced, in three
cases: when the
payment application is for the full payment, the total amount of funds that
are fully
paid is reduced; When the application for payment is partially settled, the
proportion
of the payment of the partial payment is reduced; when the payment application
is
for the full payment, the full settlement will be changed to partial
settlement, when
only part of the funds is paid.
[0065] S15, the second Funds-Management server receives the payment reduction
request
and delivers it to the first Funds-Management server.
[0066] S16. The first Funds-Management server updates the settlement amount of
the
electronic certificate according to the request for reducing the settlement
amount.
[0067] In step S16, after receiving the request for reducing the settlement
amount, the first
Funds-Management server changes the original settlement amount if the
settlement
has not been completed yet, updates the settlement amount of the electronic
certificate, and delivers the update information to the second Funds-
Management
server. The second Funds-Management server synchronizes the payment amount.
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[0068] S17, the first Funds-Management server solves the electronic
certificate according to
the updated settlement amount.
[0069] In step S17, the first Funds-Management server pay the electronic
certificate
according to the updated settlement amount, and updates the state of the
electronic
certificate when payment is completed, and delivers the update information to
the
second Funds-Management server, and the second Funds-Management server
synchronously updates the status of the electronic certificate. For example,
when this
solution is paid in full, the status of the electronic certificate is updated
as solved.
When this solution is partially paid, the status of the electronic certificate
is updated
as partial settlement and updated the amount to be settled.
[0070] For example, the payment application terminal submits a full
application for
electronic certificate to the first Funds-Management server through the second
Funds-Management server. The original solution of the electronic certificate
is 1
million, and in the electronic certificate process and before the settlement
process is
completed, the settlement application client submits a request for reducing
the
settlement amount to 800,000 to the first Funds-Management server through the
second Funds-Management server. After the first Funds-Management server
receives
the request, updated the electronic certificate settlement amount of 800,000,
and in
accordance with the solution of 800,000 to the electronic certificate solution
payment. After the settlement of the electronic certificate is completed, the
first
Funds-Management server will transfer the 800,000 funds disbursed to the
second
Funds-Management server. The remaining 200,000 funds will be ready for use in
the
issuing account (i.e., the guarantee account designated by the issuer) when
the full
settlement payment is changed to partial settlement, the remaining 600,000 of
funds
will continue to be frozen as funds to be paid next time); the second
Funds-Management server will receive 800,000 transfers into the credit card
account
(the recipient designated recipient account).
[0071] In another example, the solution payment application terminal submits a
partial
settlement request for the electronic certificate to the first Funds-
Management server
through the second Funds-Management server. The original solution payment
ratio is
80% of the total amount of the funds. In the process, before the settlement is
completed, the settlement application server makes a request to the first
Funds-Management server through the second Funds-Management server to reduce
the settlement amount to 50% of the total funds. After receiving the request,
the first
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Funds-Management server, the amount of the solution of updating the electronic
certificate shall be 50% of the total amount of the funds, and the electronic
certificate shall be settled according to the settlement amount of 50% of the
total
amount of the funds. After the settlement of the electronic certificate is
completed,
the first Funds-Management server will transfer the funds disbursed to the
second
Funds-Management server, and the remaining funds will continue to freeze in
the
issuing account. The second Funds-Management server will receive the
settlement of
funds transferred to the collection account.
[0072] Figure 3, a solution of the second example of the electronic
certificate payment
method of the present invention is proposed. The method of this example is
applied
to the foregoing first Funds-Management server. The method includes the
following
steps:
[0073] S21, according to the payment application delivered by the second
Funds-Management server, the payment of electronic certificate is started.
[0074] In step S21, after the first Funds-Management server receives the
information for
applying for settlement of the electronic certificate, the first Funds-
Management
server verifies the settlement application and executes the electronic
certificate
settlement process. The settlement application includes a full settlement
application
and partial settlement application.
[0075] Specifically, it includes verifying whether the payment condition is
satisfied,
verifying whether the electronic certificate corresponding to the solution
payment
application is invalid, whether the electronic certificate has been settled,
and so on.
When the verification is passed, the electronic certificate is released.
Otherwise, the
application is refused and the corresponding information is returned to the
second
Funds-Management server. For example, when the electronic certificate has
expired,
the second Funds-Management server delivers the information that the
electronic
certificate has expired. When the electronic certificate has been paid, the
second
Funds-Management server is delivered the information that the electronic
certificate
has been paid.
[0076] S22. In the settlement process, receiving the reduced amount of payment
request
delivered by the second Funds-Management server, according to the reduction of
settlement amount request to update the settlement amount of the electronic
certificate.
[0077] In step S22, after receiving the request for reducing the settlement
amount, the first
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Funds-Management server changes the original settlement amount if the
settlement
has not been completed yet, updates the settlement amount of the electronic
certificate, and delivers the update information to the second Funds-
Management
server.
[0078] S23, electronic certificate is unpaid according to the updated amount
of payment.
[0079] In step S23, the first Funds-Management server processes the electronic
certificate
according to the updated settlement amount. After the payment is completed,
the
state of the electronic certificate is updated and the updated information is
delivered
to Second Funds-Management server. For example, when this solution is paid in
full,
the status of the electronic certificate is updated as solved. When this
solution is
partially paid, the status of the electronic certificate is updated as partial
settlement
and updated the amount to be settled.
[0080] In the example of the present invention, the solution to the electronic
certificate is
actually that the first Funds-Management server allocates the frozen amount to
be
cleared from the issuer name to the dedicated account of the first
Funds-Management server (Funding is still the first Funds-Management server).
After the solution is settled, the first Funds-Management server will allocate
the
solution funds to the second Funds-Management server.
[0081] Please refer to Figure 4, a third example of the electronic certificate
payment method
of the present invention is proposed. The method of this example is applied to
the
foregoing second Funds-Management server. The method includes the following
steps:
[0082] S31, receiving the solution payment request delivered by the solution
payment
application and delivering the solution payment application to the first
Funds-Management server.
[0083] S32, receiving the payment settlement request delivered by the
settlement
application terminal and delivering the payment settlement request to the
first
Funds-Management server.
[0084] In the foregoing example, only once proposed to reduce the payment of
the
settlement request, in fact, in the settlement process, before the completion
of the
settlement, it can raise two or more times to change the settlement request.
[0085] Thus, the electronic certificate settlement method of the present
invention, on the
one hand, by electronic certificate payment, reducing the transaction risk;
the other
hand, in the electronic certificate settlement process, it can at any time
proposed to
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reduce the payment amount, without re- opening of a new electronic certificate
improves the flexibility and convenience of electronic certificate solution
and
improves the efficiency of solution delivery.
[0086] Please refer to Figure 5, an electronic certificate solution payment
system according
to an example of the present invention is proposed. The system includes a
payment
application terminal, a first Funds-Management server, and a second
Funds-Management server.
[0087] Settlement application terminal: it set to deliver a settlement
application to the
second Funds-Management server, and deliver a request for reducing the
settlement
amount to the second Funds-Management server during the settlement process.
[0088] The second Funds-Management server: set to receive a settlement
application and
reduce the settlement amount request and delivered to the first Funds-
Management
server.
[0089] The first Funds-Management server: set to be based on the solution to
apply for
electronic certificate solution to pay, in the settlement process, to receive
a request to
reduce the settlement amount, according to the reduction of the settlement
amount
request to update the amount of the settlement of the electronic certificate.
And solve
the electronic certificate according to the updated settlement amount.
[0090] 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.
[0091] Please refer to Figure 6, a first example of an electronic certificate
solution deliverer
according to the present invention is proposed. The device in this example is
applied
to the foregoing first Funds-Management server. The device includes the
following
modules:
[0092] Electronic certificate solution module: set to receive the second Funds-
Management
server delivered payment application, according to the solution to apply for
electronic certificate to start payment solution. Wherein, the settlement
application
includes a full payment application and partial payment application.
[0093] Settlement amount update module: set to receive payment during the
settlement
process, the second Funds-Management server to deliver a request to reduce the
settlement amount, according to reduce the settlement amount request to update
the
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settlement amount of the electronic certificate.
[0094] Specifically, after the settlement payment updating module receives the
request for
reducing the settlement payment, if the settlement has not been completed yet,
the
original settlement amount is changed, the settlement amount of the electronic
certificate is updated, and it can also deliver updates to the second
Funds-Management server.
[0095] Electronic certificate solution module is also set to: in the
settlement process, when
the solution payment amount is updated, according to the updated settlement
amount
of electronic certificate solution payment.
[0096] Specifically, after receiving the solution payment application, the
electronic
certificate solution module verifies the settlement application, including
verifying
whether the settlement condition is met, verifying whether the electronic
certificate
corresponding to the settlement application is invalid, and whether the
electronic
certificate is already paid and so on. When the verification is passed, the
electronic
certificate is released. Otherwise, the application is refused and the
corresponding
information is returned to the second Funds-Management server. For example,
when
the electronic certificate has expired, the second Funds-Management server
delivers
the information that the electronic certificate has expired. When the
electronic
certificate has been paid, the second Funds-Management server is delivered the
information that the electronic certificate has been paid.
[0097] After completion of payment, electronic certificate payment module can
also update
the status of the electronic certificate, and deliver updates to the second
Funds-Management server. For example, when this solution is paid in full, the
status
of the electronic certificate is updated as solved. When this solution is
partially paid,
the status of the electronic certificate is updated as partial settlement and
updated the
amount to be settled.
[0098] Please refer to Figure 7, a second example of an electronic certificate
solution
deliverer according to the present invention is proposed. The device in this
example
is applied to the foregoing second Funds-Management server. The device
includes
the following modules:
[0099] The settlement application module is used to receive the settlement
application
delivered by the settlement applicant and deliver the settlement application
to the
first Funds-Management server.
[0100] The reduced settlement amount request module is used to receive a
request for
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reducing the settlement amount delivered from the settlement requester, and
deliver
the request to the first Funds-Management server.
[0101] The device 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 device
implementation
cases.
[0102] Therefore, the electronic certificate solution payment system and
device of the
present invention, on the one hand, by electronic certificate payment,
reducing the
transaction risk; the other hand, in the electronic certificate settlement
process, it can
at any time proposed to reduce the payment amount, without re- opening of a
new
electronic certificate improves the flexibility and convenience of electronic
certificate solution and improves the efficiency of solution delivery.
[0103] 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.
[0104] A person of skill in the art will understand 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.
[0105] 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.
[0106] The present invention provides an electronic certificate settlement
method, system
and device, on the one hand, it reducing the transaction risk by electronic
certificate
payment; the other hand, during the settlement process of electronic
certificate, it is
proposed to reduce the settlement amount at any time without having to re-open
a
new electronic certificate, which improves the flexibility and convenience of
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electronic certificate settlement and improves the efficiency of solution.
Therefore, it
has industrial applicability.
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