Note: Descriptions are shown in the official language in which they were submitted.
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Method, Device, And System For Determining Electronic Certificate
Recipient
[1] [Technical Field]
[2] The present invention relates to the field of computer network
technology, and in
particular, to a method, device, and system for determining a certificate
collector for an
electronic certificate.
[3] [Background Technology]
[4] 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 the
service of
network payment, and the way of network payment provides great convenience for
both
buyers and sellers. In the existing network payment methods, most of the funds
in the
buyer's account are allocated directly to the seller's account, or to the
third party
organization as a guarantee.
[5] The traditional way of online payment, after the buyer's money 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 seller, 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.
[6] In order to protect the interests of both buyers and sellers, buyers
and sellers can complete
the online transaction payment through electronic certificate. Since the funds
are frozen in
the buyer's issuing account until the completion of the transaction, the
settlement of the
electronic payment through the electronic certificate will protect the
interests of both the
buyer and the seller. The existing electronic certificate has already
specified the seller at the
time of issuing the certificate, so that the electronic certificate is only
applied to the buyer
to determine the seller, and the application scenario is single.
[7] [Summary of the Invention]
[8] Based on this, it is necessary to provide a method, a device and a
system for verifying a
certificate collector of an electronic certificate that can improve the
commonality of an
electronic certificate in view of the above technical problems.
[9] A method for confirming an electronic certificate collector is applied
to a second terminal,
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the method including:
[10] Receive the issuing request transaction information broadcast by the
first terminal and an
opened certificate of the electronic certificate, where the opened certificate
is the first
terminal delivering a certificate issuing request to the first Funds-
Management server,
where the first Funds -Management server generates a corresponding electronic
certificate
and delivers it to the first terminal;
[11] When the user triggers a certificate collection instruction according
to the transaction
information, it is determined that the user is an electronic certificate
collector, and the
certificate is delivered to the second Funds-Management server according to
the certificate
collection instruction, and the second Funds- The management server receives
the
electronic certificate delivered by the first Funds-Management server.
[12] A method for verifying a certificate collector in an electronic
certificate, wherein the
method is applied to a first Funds-Management server, and the method includes:
[13] Receive a card issuing request delivered by a first terminal, where
the card issuing request
carries a card issuing account and a card issuing amount;
[14] Generating a corresponding electronic certificate by freezing funds of
the issuing amount
in the issuing account and generating an issuing notification of the
electronic certificate;
[15] Deliver the issuing notification to the first terminal.
[16] A method for verifying an electronic certificate collector is applied
to a second
Funds-Management server, the method including:
[17] Receiving a certificate application containing a card issuing account
delivered by a second
terminal and generating a certificate collection request including a card
issuing account;
[18] Delivering the certificate request to the first Funds-Management
server corresponding to
the card-issuing account;
[19] Receive the electronic certificate delivered by the first Funds-
Management server.
[20] A confirmation device for the issuer of electronic certificate, which
is applied to the second
terminal, the device including:
[21] An information receiving module is used to receive the issuing request
transaction
information broadcast by the first terminal and an opened certificate of the
electronic
certificate, where the opened certificate is the first terminal delivering a
certificate issuing
request to the first Funds-Management server, where the first Funds -
Management server
generates a corresponding electronic certificate and delivers it to the first
terminal;
[22] A recipient verification module is used to when the user triggers a
certificate collection
instruction according to the transaction information, it is determined that
the user is an
electronic certificate collector, and the certificate is delivered to the
second
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Funds-Management server according to the certificate collection instruction,
and the
second Funds- The management server receives the electronic certificate
delivered by the
first Funds-Management server.
[23] An electronic certificate verifier verification device, wherein the
device is applied to a first
Funds-Management server, and the device includes:
[24] A request receiving module is used to receive an issuing request
delivered by a first
terminal, where the issuing request carries an issuing account and an opening
amount;
[25] A notification generating module is used to generate a corresponding
electronic certificate
by freezing the funds of the issuing amount in the issuing account and
generates an issuing
notification of the electronic certificate;
[26[ A notification delivering module is used to deliver the opened
notification to the first
terminal.
[27] A confirmation device for the issuer of electronic certificate, which
is applied to the second
terminal, the device includes:
[28] A request generation module is used to receive a certificate
application that is delivered by
a second terminal and includes a card verification account, and generate a
certificate
verification request that includes a card verification account;
[29] A request delivering module is used to deliver the receipt request to
a first
Funds-Management server corresponding to the issuing account;
[30] Electronic certificate receiving module is used to receive the
electronic certificate delivered
by the first Funds-Management server.
[31] A certification system for a certificate collector of an electronic
certificate, the system
including:
[32] The first terminal is used to deliver an issuing request to the first
Funds-Management
server, where the issuing request carries the issuing account and the issuing
amount, and
receives the issuing notification of electronic certificate delivered by the
first
Funds-Management serverõ broadcast externally the issuing notification of the
transaction
information and electronic certificate;
[33] A first Funds-Management server is used to generate a corresponding
electronic certificate
by freezing the funds of the issuing amount in the issuing account and
generate an opened
certificate of the electronic certificate; and deliver the opened certificate
Deliver the
opened certificate to the first terminal;
[34] The second terminal is used to receive transaction information
broadcast externally by the
first terminal and an already-opened notice of the electronic certificate, and
when the user
triggers a collection instruction according to the transaction information,
determine that the
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user is an electronic certificate receiver The collector delivers a receipt
application to the
second Funds-Management server according to the receipt instruction; when the
user
triggers a removal instruction according to the transaction information, clear
the issuing
certificate and the transaction information according to the removal
instruction;
[35] A second Funds-Management server is used to receive an acceptance
application
containing a verification account and delivered by a second terminal, and
generate a
verification request including a verification account; and deliver the
verification request to
the verification account corresponding first Funds-Management server;
[36] Receive the electronic certificate delivered by the first Funds-
Management server.
[37] The method, device and system for determining the electronic
certificate collector as
mentioned above should be applied to the electronic certificate of the
unspecified
certificate collector, the first terminal for outwardly broadcasting the
transaction
information and the opened certificate of the electronic certificate, so that
the received
transaction information and the second terminal that has already opened the
notification is
a terminal corresponding to the unspecified user. When the user has an
intention to the
transaction information to trigger the receiving instruction, it can be
determined as the
certificate collector. Since electronic certificate is not generated for a
specific recipient, the
commonality of electronic certificate is improved.
[38] [Brief Description]
[39] In order to specifically illustrate the examples of the invention or
the technical solutions in
the current technology, the following drawings, which are to be used in the
description of
the examples or the current technology, will be briefly described, and it will
be apparent
that the following accompanying drawings, which are merely exemplary of the
invention,
may be made by those of ordinary skill in the art in view of the accompanying
drawings, in
which the drawings of other examples may be obtained without departing from
the
inventive work.
[40] Figure 1 is a schematic diagram of the structure of a system for
confirming the electronic
certificate receiving person in one example.
[41] Figure 2 is a schematic flow chart of a method for verifying a
certificate recipient in one
example.
[42] Figure 3 is a schematic flow chart of a method for verifying a
certificate recipient in one
example.
[43] Figure 4 is a schematic flow chart of a method for verifying a
certificate recipient in one
example.
[44] Figure 5 is a flow chart of a method for confirming an electronic
certificate collector after a
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step of delivering an opened certificate to a first terminal in one example;
[45] Figure 6 is a schematic flow chart of a method for verifying a
certificate recipient in one
example.
[46] Figure 7 is a schematic structural diagram of a device for confirming
the certification of the
electronic certificate in an example;
[47] Figure 8 is a schematic structural diagram of a device for confirming
the certification of the
electronic certificate in an example;
[48] Figure 9 is a schematic structural diagram of a device for confirming
the certification of the
electronic certificate in an example;
[49] Figure 10 is a schematic structural diagram of a device for confirming
the certification of
the electronic certificate in an example;
[50] Figure 11 is a schematic structural diagram of a device for confirming
the certification of
the electronic certificate in one example.
[51] [Description of the Preferred Examples]
[52] 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.
[53] 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.
[54] 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.
[55] 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 the issuer
is the terminal
held by the issuer.
[56] In the example of the present invention, the payer, as the issuer's
request, acts as the paying
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person of the electronic certificate, and with its account funds or credit
limit as guaranty, an
electronic certificate can provide a guaranty for the issuer. It can be a
natural person, a
legal person or his organization, and the payment terminal is a terminal held
by the payer.
[57] 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:
[58] 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.)
[59] 2. After the issuing agency accepts, open electronic certificate and
freeze the corresponding
amount of funds or credit line.
[60] 3. The recipient (such as the seller) applies to the receiving
authority (such as the receiving
bank) for a certificate.
[61] 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).
[62] 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.
[63] 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.
[64] 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.
[65] 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.
[66] Of course, electronic certificate can also be used to allocate funds.
In different situations,
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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.
[67] As shown in Figure 1, in one example, a system for verifying a
certificate collector of
electronic certificates is provided. The system includes:
[68] The first terminal 10 is used to deliver an issuing request to the
first Funds-Management
server 30, where the issuing request carries the issuing account and the
issuing amount, and
receives the issuing notification of electronic certificate delivered by the
first
Funds-Management server 30, broadcast externally the issuing notification of
the
transaction information and electronic certificate.
[69] Specifically, the first terminal 10 refers to a terminal corresponding
to an issuer (buyer).
Transaction information refers to the transaction content disclosed by the
buyer to the
seller. Issued notification is used to prove that the buyer has the ability to
pay for the
transaction information containing the commodity or services. For example, if
the user
wants to purchase a commodity, the transaction information refers to the
description of the
commodity by the user including the related transaction content such as price,
model and
style. Outbound broadcast transaction information and issuing notification
means that the
buyer gives the unspecified seller an offer to wait for the seller to accept
the offer and trade
with it. In order to ensure the security, the data carried in the issuing
request are all
encrypted.
[70] In one example, the buyer may select an object to be broadcast
outwards according to his /
her own transaction information. The first terminal 10 may also select
multiple sellers
matching the transaction information as the objects for outward broadcast. For
example,
the transaction information is to buy a pair of leather shoes, the object of
the broadcast is to
sell the terminal corresponding to the leather shoes seller.
[71] It should be noted that the above is only a list of transaction
information, transaction
information in addition to the sale of commodity include: transfer of funds,
provision of
services and mortgage guarantees and so on. The issuer and certificate
collector herein are
not limited to buyers and sellers.
[72] A first Funds-Management server 30 is used to generate a corresponding
electronic
certificate by freezing the funds of the issuing amount in the issuing account
and generate
an opened certificate of the electronic certificate; and deliver the opened
certificate to the
first terminal 10.
[73] The first Funds-Management server30 is the server used to generate the
electronic
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certificate. For example, if the issuer's credit card account is a CCB
account, the first
Funds-Management server30 is the server used by the construction bank for fund
management. The funds that are equal to the issuing amount in the opening
account are
frozen to generate the corresponding electronic certificate, and the issuer
has no authority
to control the funds frozen by electronic certificate. The frozen funds can be
used by the
issuer to engage in various activities such as buying and selling commodities,
mortgages
and other economic activities.
[74] The status of the electronic certificate in the transaction process
includes: Issued State,
Receipt Status, Receipt Status, Status to be Settled, and Settlement Status.
For example,
after the electronic certificate is generated, the first Funds-Management
server 30 updates
the state of the electronic certificate to the opened state; after the
electronic certificate is
received, the state of the electronic certificate is updated to be released.
After the electronic
certificate is generated, further, the issuing certificate of the electronic
certificate is
generated. Issued Notification is used to inform the issuer that the status of
electronic
certificate is opened. Make the issuer can grasp the issuance of electronic
certificate. The
opened notice is forwarded in the form of data message, and the forwarding
party delivers
the first terminal 10 corresponding to the issuer for the first Funds-
Management server30.
[75] The second terminal 20 is used to receive transaction information
broadcast externally by
the first terminal 10 and an already-opened notice of the electronic
certificate, and when
the user triggers a collection instruction according to the transaction
information, determine
that the user is an electronic certificate receiver. The collector delivers a
receipt application
to the second Funds-Management server 40 according to the receipt instruction;
when the
user triggers a removal instruction according to the transaction information,
clear the
issuing certificate and the transaction information according to the removal
instruction.
[76] The second terminal refers to the terminal corresponding to the
certificate collector (seller).
Since the first terminal 10 is the object to be broadcast to the outside is
uncertain, the
terminals of the plurality of sellers (the terminals 20, 21 and 22) receive
the transaction
information and issuing notification at the same time. The seller will
determine whether to
accept the offer according to the transaction information. If yes, the second
terminal 20
may trigger the receiving instruction to receive the electronic certificate.
[77] The second Funds-Management server 40 is the server corresponding to
the certificate
receiving account. The second terminal 20 delivers an application for
receiving the
certificate and applies for the second Funds-Management server40 to deliver
the receipt
request to the first Funds-Management server 30. If the seller receives the
transaction
information and the notifying seller has no intention to trade with the buyer,
the received
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information can be ignored. Specifically, the certificate collector may
trigger a clear
instruction on the second terminal 20, and delete the opened certificate and
the transaction
information by clearing the instruction.
[78] The second Funds-Management server 40 is used to receive an
application for receiving a
certificate including a card issuing account delivered by the second terminal
20 and
generate a certificate collection request that includes the card issuing
account; and deliver a
receipt request to a Funds-Management server 30; receives the electronic
certificate
delivered by the first Funds-Management server 30.
[79] The second Funds-Management server 40 refers specifically to the Funds-
Management
server corresponding to the credit card account used by the seller to receive
funds. After the
user triggers the receiving instruction on the second terminal 20, the second
terminal 20
delivers the receipt application to the second Funds-Management server 40 and
the second
Funds-Management server 40 completes the reception of the certificate to the
first
Funds-Management server 30.
[80] The electronic certificate receiving system for determining the
electronic certificate
collector as mentioned above should be applied to the electronic certificate
of the
unspecified certificate collector, the first terminal for outwardly
broadcasting the
transaction information and the opened certificate of the electronic
certificate, so that the
received transaction information and the second terminal that has already
opened the
notification is a terminal corresponding to the unspecified user. When the
user has an
intention to the transaction information to trigger the receiving instruction,
it can be
determined as the certificate collector. Since electronic certificate is not
generated for a
specific recipient, the commonality of electronic certificate is improved.
Since the
electronic certificate is not generated for a specific recipient, the
electronic certificate does
not need to be reissued when the recipient is replaced. Therefore, a
certificate can be used
multiple times to improve the payment and settlement efficiency of network
transactions.
[81] As shown in Figure 2, in one example, a method for verifying an
electronic certificate
collector is provided, where the method is applied to a second terminal. The
method
includes the following steps:
[82] Step 201: Receive the transaction information broadcasted by the first
terminal and an
issuing notification of the electronic certificate. In this example, the
noticed notification is
that the first terminal delivers an issuing request to the first Funds-
Management server, and
generates a corresponding electronic certificate by the first Funds-Management
server and
delivers the corresponding electronic certificate to the first terminal.
[83] Step 202: When the user triggers a certificate collection instruction
according to the
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transaction information, it is determined that the user is the electronic
certificate collector,
and the certificate application is delivered to the second Funds-Management
server
according to the certificate collection instruction. In this example, the
second
Funds-Management server receives the electronic certificate delivered by the
first
Funds-Management server.
[84] As shown in Figure 3, in one example, the method for confirming the
certificate of
electronic certificate further includes:
[85] Step 203, when the user triggers a clear instruction according to the
transaction
information, clear the issuing notification and the parental custody according
to the clear
instruction.
[86] As shown in Figure 4, in one example, a method for verifying an
electronic certificate
collector is provided, where the method is applied to a first Funds-Management
server. The
method includes the following steps:
[87] Step 401: Receive a card issuing request delivered by the first
terminal. In this example, the
issuing request carries the issuing account and the issuing amount.
[88] Step 402: Generate a corresponding electronic certificate by freezing
the funds of the
issuing amount in the issuing account, and generate the issuing certificate of
the electronic
certificate.
[89] Step 403: Delivering an opened notification to the first terminal.
[90] As shown in Figure 5, in an example, the electronic certificate
includes a payment
settlement condition. After the delivering of the negotiated notification to
the first terminal
in step 403, the method further includes:
[91] Step 501: Obtain the electronic certificate delivered by the second
Funds-Management
server and the payment certificate.
[92] The issuer and the recipient receive settlement through electronic
certificate. After
confirming the seller who receives the electronic certificate, the seller is
obliged to deliver
the commodity or services and the buyer has the obligation to deliver the
electronic
certificate to the seller. The second terminal delivers a certificate
receiving request to the
second Funds-Management server, and the second Funds-Management server
completes
the certificate collecting task. After the second Funds-Management server
obtains the
electronic certificate, when the second Funds-Management server receives the
commodity
receipt information delivered by the logistics server or the confirmation
receipt information
delivered by the buyer through the first terminal. The second Funds-Management
server
generates the corresponding payment certificate according to the commodity
receipt
information or confirmation receipt information.
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[93] In this example, the payment solution condition refers to a condition
that needs to be
satisfied for the funds of the electronic certificate to transition from the
frozen state to the
unfrozen state. Payment certificate refers to the electronic certificate for
the payment and
settlement of the buyer and the buyer. Payment certificate includes payment
terms and
payment amount.
[94] Step 502, it is verified whether the electronic certificate is valid.
If so, then go to Step 503,
if not, then the end.
[95] Step 503: Determine whether the payment condition meets the payment
condition. If so,
then go to Step 504, if not, then the end.
[96] In order to ensure the safety of funds, the first Funds-Management
server needs to verify
whether the electronic certificate was generated by itself. Specifically, it
is determined
whether the electronic certificate is valid by verifying whether the
electronic signature of
the user on the electronic certificate matches the issuer's signature. If
legal, further
determine whether the payment terms meet the conditions of settlement. When
the payment
conditions satisfy the solution payment conditions that the transaction has
been completed,
the buyer needs to perform the payment obligation, that is, the first Funds-
Management
server enters the payment procedure.
[97] Step 504: Release the fund corresponding to the payment amount of the
electronic
certificate and deliver the funds to the second Funds-Management server, where
the funds
are transferred by the second Funds-Management server into the preset
certificate
collection account.
[98] Receivable account means the receiver sets up an account for accepting
funds transferred
to the issuing account. The receiving and issuing account can be a bank
account or a
third-party payment platform account. In one example, the first Funds-
Management server
and the second Funds-Management server refer to the same server when the
issuing and
collecting accounts are the same type of accounts. For example, when the
issuing and
collecting accounts are both CCB's accounts, both the first Funds-Management
server and
the second Funds-Management server refer to the Funds-Management server of the
Construction Bank. When the issuing account and the collecting account are not
the same
type of account, the first Funds-Management server and the second Funds-
Management
server are different servers.
[99] As shown in Figure 6, in one example, a method for verifying an
electronic certificate
collector is provided, where the method is applied to a second Funds-
Management server.
The method includes the following steps:
[100] Step 601: Receive a certificate application that is delivered by a
second terminal and
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includes a card verification account, and generate a certificate collection
request that
includes a card verification account.
[101] Step 602: Deliver a certificate collection request to a first Funds-
Management server
corresponding to a verification account.
[102] Step 603: Receive the electronic certificate delivered by the first
Funds-Management
server.
[103] As shown in Figure 7, in one example, an electronic certificate verifier
authentication
device is provided, which is applied to a second terminal. The device includes
the
following modules:
[104] The information receiving module 70 is used to receive the transaction
information
broadcasted by the first terminal and a noticed certificate of the electronic
certificate. In
this example, the noticed notification is that the first terminal delivers an
issuing request to
the first Funds-Management server, and generates a corresponding electronic
certificate by
the first Funds-Management server and delivers the corresponding electronic
certificate to
the first terminal.
[105] The recipient verification module 71 is used to when the user
triggers a certificate
collection instruction according to the transaction information, it is
determined that the user
is the electronic certificate collector, and the certificate application is
delivered to the
second Funds-Management server according to the certificate collection
instruction. In this
example, the second Funds-Management server receives the electronic
certificate delivered
by the first Funds-Management server.
[106] As shown in Figure 8, in an example, the verification device of the
electronic certificate
collector further includes:
[107] The information clearing module 72 is used to clear the issuing
notification and the
transaction information according to the clearing instruction when the user
triggers the
clearing instruction according to the transaction information.
[108] As shown in Figure 9, in one example, an electronic certificate verifier
is provided, which
is applied to a first Funds-Management server. The device includes the
following modules:
[109] The request receiving module 80 is used to receive the issuing request
delivered by the first
terminal, where the issuing request carries the issuing account and the
issuing amount.
[110] The notification generating module 81 is used to generate a
corresponding electronic
certificate by freezing the funds of the issuing amount in the issuing
account, and generate
an issuing notice of the electronic certificate.
[111] The notification delivering module 82 is used to deliver the opened
notification to the first
terminal.
12
[112] As shown in Figure 10, in one example, the electronic certificate
includes a payment
settlement condition; and the verification device of the electronic
certificate caller further
includes:
[113] The information acquisition module 83 is used to obtain the
electronic certificate delivered
by the second Funds-Management server and the payment certificate. In this
example, the
payment certificate includes the payment condition and the payment amount.
[114] The fund payment module 84 is used to check whether the electronic
certificate is valid, if
yes, further determine whether the payment condition meets the payment
condition, if yes,
release the fund corresponding to the electronic certificate and deliver the
funds to the
second Funds -Management server, the funds are transferred from the second
Funds-Management server into the preset collection account.
[115] As shown in Figure 11, in one example, an electronic certificate
verifier is provided, which
is applied to a second Funds-Management server. The device includes the
following
modules:
[116] The request generating module 90 is used to receive a certificate
application that is
delivered by a second terminal and includes a card verification account, and
generate a
certificate verification request that includes a card verification account.
[117] The request delivering module 91 is used to deliver a certificate
collection request to the
first Funds-Management server corresponding to the card issuing account.
[118] Electronic certificate receiving module 92 is used to receive the
electronic certificate
delivered by the first Funds-Management server.
[119] 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.
[120] A person of skill in the art can understand and implement all or part of
the processes in the
above mentioned method of the example which can be completed by means of a
computer
program that can be stored in a computer-readable storage medium. When the
program is
executing, it may include all the above-mentioned process in the example.
Among them,
the storage medium can be a magnetic disk, CD, a read-only memory (ROM) and
other
non-volatile storage media or random access memory (RAM), etc.
[121] The characteristics of technology in the above example can be
arbitrarily combined. In
order to simplify the description, it does not describe all the possible
combinations of the
various characteristics of technology in the above examples, however, as long
as the
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combination of these characteristics of technology are not conflict, it should
be considered
in the scope of this Specification records.
[122] The above example only express several examples of the invention, and
its descriptions are
more specific and detailed, however, it cannot to be considered as a
limitation of the scope
of the invention patent. It should be noted that various modifications and
improvements
can be made by those skilled technicians in the field without departing from
the inventive
concept, which belonged to the protection scope of the invention. Therefore,
the protection
scope of patent in the invention should be subject to the attached claims.
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Date Recue/Date Received 2020-07-14
