Note: Descriptions are shown in the official language in which they were submitted.
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Title: Electronic Certificate Payment Method 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 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 purpose of the present invention is to provide a method and
device for electronic
certificate settlement to reduce transaction risk, increase the flexibility
and convenience of
electronic certificate payment.
Problem solving solution
Technical solutions
[0005] In order to achieve the above objective, the present invention provides
a solution for
electronic certificate payment, applied to Funds-Management server, including
the
following steps:
[0006] Receive the electronic certificate payment application settlement
payment code submitted
by the payment application terminal;
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[0007] Verifying the settlement code;
[0008] After the verification is successful, the solution is executed on the
electronic certificate;
otherwise, the solution is not to be paid.
[0009] The present invention also proposes an electronic certificate solution
payment device,
applied to the Funds-Management server, including:
[0010] The payment application receiving module is set up for the electronic
certificate payment
application reconciliation code submitted by the receiving terminal of the
payment
application;
[0011] Solution code verification module is used to verify the solution code;
[0012] Electronic certificate solution module is used to perform solution
payment on the electronic
certificate after the settlement code verification is successful.
The beneficial effect of the invention
Beneficial effect
[0013] The electronic certificate settlement method provided by the present
invention, the
receiving terminal, the issuing terminal or the authorized third-party
terminal can be
submitted to the Funds-Management server as the terminal to pay Funds-
Management
server to apply for payment and settlement code, Funds -Management server only
need to
verify the payment code, after the verification, it will execute the
electronic certificate
solution. On the one hand, the payment through the electronic certificate
reduces the
transaction risk, and solves the electronic certificate according to the
solvency code to
improve the security of the electronic certificate. On the other hand, the
receiving end, the
issuing terminal or the authorized third-party terminal. In addition, the
buyer can also use
the payment code to sign for the commodity, the seller can use the payment
code to the
opening of the card institutions apply for payment, taking into account the
interests of
buyers and sellers.
A brief description of the drawings
Brief Description
[0014] Figure 1 is a basic flow diagram based on electronic certificate in the
existing technology;
[0015] Figure 2 is a flow chart of the first example of the electronic
certificate solution payment
method of the present invention;
[0016] Figure 3 is a flowchart of the second example of the electronic
certificate solution payment
method of the present invention;
[0017] Figure 4 is a flow chart of the electronic certificate solution payment
method of the third
example of the present invention;
[0018] Figure 5 is a block diagram of an example of the electronic certificate
settlement device of
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the present invention.
[0019] Figure 6 is a schematic block diagram of a second example of the
electronic certificate
settlement device of the present invention;
[0020] Figure 7 is a block diagram of an example of the electronic certificate
settlement device of
the present invention;
[0021] Figure 8 is a schematic block diagram of a fourth example of the
electronic certificate
settlement device according to the present invention.
[0022] 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
[0023] It is to be understood that the specific examples described herein are
merely illustrative of
the invention but not intended to limit the invention.
[0024] In the example of the present invention, the network payment is made
through the
electronic certificate, which greatly reduces the transaction risk and
protects the interests of
both the buyer and the seller as compared with the traditional network payment
method.
The electronic certificate is mainly for buyers' commodity. The seller
downloads the
cashier interface, and the buyer finishes the issuance of the electronic
certificate. The seller
completes the receipt and performance and submits the payment. The electronic
certificate
expires automatically. The electronic certificate can be purchased not only
for
commodities, but also for collateral. For example, an individual may issue a
letter of credit
to a bank as a guarantee for the loan to others.
[0025] In an online payment system completed by electronic certificate, 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), that is,
Funds-Management server includes a bank server or other financial institution
server.
[0026] In this example of the present invention, an electronic certificate is
an application which is
issued by the issuing terminal (buyer terminal) to the Funds and Management
server and is
opened by Funds-Management server, electronic commitment payment certificate
is an
Internet innovation basic financial instrument paid by funds management
institution in
accordance with the commitment of funds management institution.
[0027] In this example of the present invention, the solution of electronic
certificate means that
after the issuing institution (such as an issuing bank) receives the payment
application, to
the issuing institution (for example, the issuing bank) to exchange the
electronic certificate
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to pay for the frozen funds or credits in the account.
[0028] In this example of the present invention, an electronic certificate
based transaction process
is as shown in Figure 1, including 6 phases of a contract issuance period, a
certificate
collection period, a performance period, a receipt period, a settlement period
and a
liquidation period, wherein:
[0029] Opening date: both parties (buyers and sellers) before forming a
transaction order, the
formation of trading orders or the formation of trading orders, the issuing
terminal (such as
the buyer terminal) to the issuing authority (such as issuing bank) Funds-
Management
server application to open electronic certificate. The Funds-Management server
of the
issuing institution opens an electronic certificate according to the issuing
application of the
issuing party and reserves the amount of the recorded amount of electronic
certificate in the
account (payment account) specified by the issuing bank accordingly (usually
in a frozen
account Funds or credit, frozen credit can be divided into two situations: one
from the
beginning of the freeze credit, the issuing Funds-Management server that began
to
calculate interest, which is the buyer's credit card limit; the other is from
the receipt when
the terminal receives the funds corresponding to the credit, the issuing Funds-
Management
server will start to calculate the interest).
[0030] Collection period: the receiving terminal (such as the seller bank)
will apply for the
collection of Funds from Funds Management server(such as the collecting bank)
of the
receiving institution, and the electronic certificate will be invalid if the
card is overdue, and
the verification information will be verified by the Funds Management server
of the
receiving institution.
[0031] Compliance period: the receiving terminal submit compliance information
(such as
shipping information), overdue electronic certificate is invalid.
[0032] Signing Period: Electronic certificate is invalid when the application
payment is resolved
and the payment information (such as signing information) is not submitted
over time.
After the application is settled, the electronic certificate enters the
settlement period.
[0033] In the following, the payment of the electronic certificate will be
described in detail
through specific examples.
[0034] Figure 2, a first example of an electronic certificate solution payment
method according to
the present invention is proposed. The method is applied to a Funds-Management
server.
The Funds-Management server is a Funds- Management server. The Funds-
Management
server according to the present invention refers to the Funds-Management
server of the
issuing institution when not specifically described, and the method includes
the following
steps:
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[0035] S11, receive the electronic certificate payment application settlement
payment code
submitted by the payment application terminal.
[0036] In this step S11, the Funds-Management server of the issuing
institution may receive the
settlement application and settlement code. The settlement application may be
submitted
directly to the Funds-Management server of the issuing institution, that is,
the payment
application directly delivers the payment application and settlement code to
the
Funds-Management server of the issuing authority, or it can be submitted to
the
Funds-Management server of the issuing authority through the Funds-Management
server
of the receiving party, such as the receiving bank, that is, the settlement
application
delivers the settlement application and settlement code to the Funds-
Management server of
the collection agency, and the Funds-Management server of the collection
agency forwards
the payment to the Funds-Management server of the issuing institution.
[0037] The settlement application terminal may be an issuing terminal, a
receiving terminal, or an
authorized third-party terminal (i.e., a third-party terminal authorized by an
issuing
terminal or / and a receiving terminal).
[0038] The payment code is generated by the Funds-Management server or the
opening end at the
opening period, the period of receipt, or the performance period. When the
payment code is
generated by the Funds-Management server, the Funds-Management server also
delivers
the generated payment code to the payment application terminal. When the
payment code
is generated by the issuing party, the issuing party delivers the generated
payment code to
the Funds-Management server, and when the settlement application is not the
issuing
terminal, the issuing terminal delivers the settlement code directly or
delivers it to the
settlement application through the Funds-Management server.
[0039] S12, verification solution code. After the verification is successful,
step S13 is executed;
when the verification fails, the process ends without paying the solution, and
an error
prompt message may be returned to the settlement application terminal.
[0040] Specifically, the Funds-Management server compares the solution payment
code submitted
by the application terminal with the locally stored solution code to determine
whether the
two match; when the two match, the verification is successful; when the two do
not match,
the verification fails.
[0041] S13, performing payment solution on the electronic certificate.
[0042] Specifically, When the payment application is directly submitted to the
Funds-Management
server of the issuing agency, the Funds-Management server of the issuing
agency will
transfer the frozen Funds in the electronic certificate payment account to the
designated
account of the issuing institution (the electronic certificate business
collection account);
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when the settlement application terminal submits a settlement application to
the
Funds-Management server of the issuing institution through the Funds-
Management server
of the collection agency, the Funds-Management server of the issuing
institution transfers
the funds frozen in the electronic certificate payment account to the
recipient ID card
designated account.
[0043] Please refer to Figure 3, a second example of the electronic
certificate solution delivery
method of the present invention is proposed, and the method in this example is
still applied
to a Funds-Management server of a certification authority, and the method
includes the
following steps:
[0044] S21, receive the electronic certificate payment application settlement
payment code
submitted by the payment application terminal.
[0045] S22, verification solution code. After the verification is successful,
step S23 is executed;
when the verification fails, the process ends without paying the solution, and
an error
prompt message may be returned to the settlement application terminal.
[0046] S23, to determine whether the expiration date has expired. If yes, go
to step S24; if not,
wait for the expiration date. Specifically, according to the content of the
electronic
certificate, the date of payment is obtained, and the current date is
determined to be settled.
[0047] S24, performing payment solution on the electronic certificate.
[0048] Please refer to Figure 4, a second example of the electronic
certificate solution delivery
method of the present invention is proposed, and the method in this example is
still applied
to a Funds-Management server of a certification authority, and the method
includes the
following steps:
[0049] S31, receive the electronic certificate payment application settlement
payment code
submitted by the payment application terminal.
[0050] S32, verification solution code. After the verification is successful,
step SI3 is executed;
when the verification fails, the process ends without paying the solution, and
an error
prompt message may be returned to the settlement application terminal.
[0051] S33, verify the status of the electronic certificate. After the
verification is passed, step S34
is executed; when the verification fails, the process ends without paying the
solution, and
an error prompt message may be returned to the payment application terminal.
[0052] Specifically, verifying whether the electronic certificate is valid or
not and / or whether the
electronic certificate has been paid; verifying the verification when the
electronic
certificate is valid or / and has not yet been settled;
[0053] S34, to determine whether the expiration date has expired. If yes, go
to step 35; if not, wait
for the expiration date to expire.
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[0054] S35, performing payment solution on the electronic certificate.
[0055] The order of steps S32 and S33 is not limited, and step S33 may be
performed first and
then step 532 may be performed.
[0056] In some examples, step S34 may also be omitted.
[0057] Optionally, in some examples, the Funds-Management server also
determines the type of
the electronic certificate and determines whether the electronic certificate
belongs to a
specific type (such as CP500). When the type is a specific type, the check the
verification
code, otherwise, return the error prompt message to the settlement
application.
[0058] In addition, in addition to the above-mentioned solution to apply for
settlement payment
code, but also can be used as both the use of electronic certificate purchased
commodity,
service receipt code or pick-up code used in delivery or receipt of commodity
submitted to
the receiving terminal (such as seller terminal), thus ensuring the double
security of
transactions and payments.
[0059] Therefore, the electronic certificate settlement method of the present
invention, the
receiving terminal, the issuing terminal or the authorized third-party
terminal can be
submitted to the Funds-Management server as the terminal to pay Funds-
Management
server to apply for payment and settlement code, Funds -Management server only
need to
verify the payment code, after the verification, it will execute the
electronic certificate
solution. On the one hand, the payment through the electronic certificate
reduces the
transaction risk, and solves the electronic certificate according to the
solvency code to
improve the security of the electronic certificate. On the other hand, the
receiving end, the
issuing terminal or the authorized third-party terminal. In addition, the
buyer can also use
the payment code to sign for the commodity, the seller can use the payment
code to the
opening of the card institutions apply for payment, taking into account the
interests of
buyers and sellers.
[0060] Please refer to Figure 5, 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
Funds-Management server of the foregoing certificate issuing institution. The
device
includes a solution payment request receiving module, code verification module
and
electronic certificate solution module, including:
[0061] Settlement application receiving module: set to receive the settlement
application
submitted by the terminal of the payment application and settlement code.
[0062] The payment application and settlement codes received by the solution
receiving
application receiving module may be submitted directly by the application
finisher to the
Funds-Management server of the issuing institution, or may be submitted by the
issuing
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institution through the issuing bank) Funds-Management server submitted to the
issuing
Funds-Management server.
[0063] The settlement application terminal may be an issuing terminal, a
receiving terminal, or an
authorized third-party terminal (i.e., a third-party terminal authorized by an
issuing
terminal or / and a receiving terminal).
[0064] The payment code is generated by the Funds-Management server or the
opening end at the
opening period, the period of receipt, or the performance period.
[0065] The check module is set to verify the payment code and deliver the
check result to the
electronic certificate.
[0066] Specifically, the payment code verification module will compare the
solution payment code
submitted by the application terminal and the decoding code of the native
storage to
determine whether the two matches are matched. When the two match, the
judgement is
successful; when the two do not match, the validation fails and the error
message can be
returned to the application terminal.
[0067] Electronic certificate solution module is used to perform solution
payment on the electronic
certificate after the settlement code verification is successful.
[0068] Specifically, when the settlement applicant submits the application for
settlement directly
to the Funds-Management server of the issuing institution, the electronic
certificate
settlement module divides the funds frozen in the electronic certificate
payment account
into the designated account of the issuing institution (electronic certificate
service home
account); when the settlement application ends the Funds-Management server of
the
issuing institution through the Funds-Management server of the issuing
institution, the
electronic certificate settlement module transfers the funds frozen in the
electronic
certificate payment account to the designated institution of the collecting
institution in the
account.
[0069] Please refer to Figure 6, a second example of the electronic
certificate solution deliverer
according to the present invention is proposed. The difference between this
example and
the first example is that a judging module is added, in which:
[0070] Judging module: set to determine whether the expiration date has been
expired, and deliver
the judgement result to the electronic certificate solution module.
[0071] Electronic certificate solution module: set to pay for electronic
certificate when the
payment code is verified successfully and the current time of payment is
expired.
[0072] Referring to Figure 7, a third example of the electronic certificate
solution deliverer of the
present invention is proposed. The difference between this example and the
first is that an
electronic certificate verification module is added, wherein:
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[0073] Electronic certificate verification module: set to verify the status of
electronic certificate,
and deliver the verification result to the electronic certificate solution
module. Specifically,
the verification is carried out to verify whether the electronic certificate
is valid or not and /
or whether the electronic certificate is valid or not. When the electronic
certificate is valid
or / and has not yet been settled, the verification is successful. When the
electronic
certificate is invalidated and / an error message can be returned to the
application terminal.
[0074] Electronic certificate solution module: when the verification of the
payment code is
successful and the electronic certificate verification is passed, the payment
of the electronic
certificate is executed.
[0075] Please refer to Figure 8, a fourth example of the electronic
certificate solution deliverer of
the present invention is proposed. The difference between this example and the
first
example is that a judgement module and an electronic certificate verification
module are
added, wherein:
[0076] Judging module: set to determine whether the expiration date has been
expired, and deliver
the judgement result to the electronic certificate solution module.
[0077] Electronic certificate verification module: set to verify the status of
electronic certificate,
and deliver the verification result to the electronic certificate solution
module.
[0078] Electronic certificate solution module: when the payment code
verification is successful,
the electronic certificate verification is passed and the current time of
payment is expired,
the payment of electronic certificate is executed.
[0079] 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.
[0080] In addition, in addition to the above-mentioned solution to apply for
settlement payment
code, but also can be used as both the use of electronic certificate purchased
commodity,
service receipt code or pick-up code used in delivery or receipt of commodity
submitted to
the receiving terminal (such as seller terminal), thus ensuring the double
security of
transactions and payments.
[0081] Thus, the electronic certificate settlement device of the present
invention can receive the
settlement application and the settlement code submitted by the issuing
terminal, the
issuing terminal or the authorized third party and only needs to verify the
settlement code
regardless of the settlement applicant's identity, verified by the
implementation of
electronic certificate solution. On the one hand, the payment through the
electronic
certificate reduces the transaction risk, and solves the electronic
certificate according to the
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solvency code to improve the security of the electronic certificate. On the
other hand, the
receiving terminal, the issuing terminal or the authorized third party can be
deducted
according to the settlement code, which improves the flexibility and
convenience of
electronic certificate payment.
[0082] 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.
[0083] 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.
[0084] 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.
[0085] The electronic certificate settlement method provided by the present
invention, the
receiving terminal, the issuing terminal or the authorized third-party
terminal can be
submitted to the Funds-Management server as the terminal to pay Funds-
Management
server to apply for payment and settlement code, Funds -Management server only
need to
verify the payment code, after the verification, it will execute the
electronic certificate
solution. On the one hand, the payment through the electronic certificate
reduces the
transaction risk, and solves the electronic certificate according to the
solvency code to
improve the security of the electronic certificate. On the other hand, the
receiving end, the
issuing terminal or the authorized third-party terminal. In addition, the
buyer can also use
the payment code to sign for the commodity, the seller can use the payment
code to the
opening of the card institutions apply for payment, taking into account the
interests of
buyers and sellers.
Date Recue/Date Received 2020-07-15
