Note: Descriptions are shown in the official language in which they were submitted.
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Electronic-Certificate-Based Transaction Method And System
[1] [Technical Field]
[2] The present invention relates to the field of electronic commerce, and
in particular, to an
electronic certificate based transaction method and system.
[3] [Background Technology]
[4] With the rise of E-commerce, various kinds of shopping platforms
appeared on the internet,
which make shopping convenient for people's shopping. Traditional online
shopping,
commodity manufacturers or commodity agents to open shop in the shopping
platform,
through the online shop release commodity information, the buyer in the online
shop to
select commodity purchase orders, and through the third-party payment platform
to
complete the payment. This online shopping model, there are the following
problems:
[5] Competition between today's online shops is fierce, only to ensure that
the commodity
online shop has a larger page views, in order to achieve better sales revenue,
in order to
ensure that shop has a high degree of concern, buyers generally need to pay
for advertising
on the shopping platform to promote their own commodity, resulting in a higher
cost of
selling commodity.
[6] [Summary of the Invention]
[7] Based on this, it is necessary to address the above technical problems
and provide a trading
method and system based on electronic certificate to reduce the cost of
selling commodity.
[8] A trading method based on an electronic certificate, the method
including:
[9] The First Server obtains an electronic certificate and displays the
electronic certificate, the
electronic certificate at least includes commodity attribute information of a
name and an
amount, and payment settlement information including a receiving account;
[10] First Server delivers the electronic certificate to the first
terminal;
[11] The first terminal pushes the electronic certificate over the
Internet;
[12] The second terminal obtains the electronic certificate via the
internet and receives the
logistics information that the user inputs the delivery commodity in the
information that the
electronic certificate can be written, and delivers the payment information
corresponding to
the payment commodity to the payment receiving system according to the payment
settlement information payment request;
[13] The payment receiving system receives a payment request delivered by a
second terminal,
and after verifying that the electronic certificate is passed, freezing the
funds of the amount
corresponding to the payment account of the second terminal;
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[14] The payment receiving system receives the received receipt information
of the commodity,
and allocates the frozen funds to the payment account.
[15] A trading method based on electronic certificate, applied to First
Server, including:
[16] Obtaining an electronic certificate and displaying the electronic
certificate, the electronic
certificate containing commodity attribute information of a name and an
amount, and
collection and settlement information including a receiving account;
[17] Delivering an electronic certificate to the first terminal, so that
the first terminal pushes the
electronic certificate over the Internet.
[18] A transaction method based on an electronic certificate, applied to a
first terminal,
including:
[19] Get the electronic certificate delivered by First Server;
[20] Push the electronic certificate over the internet.
[21] An electronic certificate based network transaction system, the system
including: A First
Server, a Second Server, a First Server, a payment system, a first terminal,
and a second
terminal, where the Second Server is separately connected to the First Server
and the
payment system; the First Server is separately connected to the first terminal
and the
second terminal is connected;
[22] The Second Server is used to generate and store the electronic
certificate of the writeable
information and deliver the electronic certificate to First Server, the
electronic certificate at
least includes the commodity attribute information of the name and the amount,
and the
settlement of payment including the receiving account information;
[23] The First Server is used to present the electronic certificate and
deliver the electronic
certificate to the first terminal;
[24] The first terminal is used for pushing the electronic certificate over
the Internet;
[25] The second terminal is used to obtain the electronic certificate via
the internet and receives
the logistics information that the user inputs the delivery commodity in the
information that
the electronic certificate can be written, and delivers the payment
information
corresponding to the payment commodity to the payment receiving system
according to the
payment settlement information payment request;
[26] The receiving and payment system is used to receive a payment request
delivered by a
second terminal, and after verifying that the electronic certificate is
passed, freeze the
funds of the amount corresponding to the payment account of the second
terminal, and
deliver a successful notification message to Second Server for the freezing of
funds;
[27] The collection and payment system is also used to allocate the frozen
funds to the
collection account after obtaining the receipt information of the receipt of
the commodity.
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[28] The aforementioned electronic certificate based trading method and
system simplifies the
operation of shopping because the buyer can directly conduct shopping through
the
electronic certificate without entering the online shop, and the electronic
certificate can be
transmitted through the social network without relying on "shop" to get rid of
the "store"
flow of sales revenue restrictions, shopkeepers do not pay advertising costs
can also ensure
the flow of commodity, saving the cost of sales. In addition, as the
generation of electronic
certificate, the delivery of commodity by the manufacturer is all in charge of
the
manufacturer, so as to change the original reliance on the business reputation
of the
third-party E-commerce platform or online shop, the picture, the transaction-
centered
E-commerce mode so that the articles can be attached to attributes of
themselves, such as
manufacturers, raw materials and other information, the formation of an object-
centric
transaction mode.
[29] [Brief Description]
[30] Figure 1 is a schematic structural diagram of an electronic
certificate based trading system
in an example;
[31] Figure 2 is a timing diagram of an electronic certificate based
transaction method in one
example.
[32] Figure 3 is an example page of the electronic certificate display;
[33] Figure 4 is a schematic flow chart of an electronic certificate based
transaction method in
one example;
[34] Figure 5 is a schematic flow chart of an electronic certificate based
transaction method in
one example;
[35] Figure 6 is a schematic flow chart of an electronic certificate based
transaction method in
one example.
[36] [Description of the Preferred Examples]
[37] 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.
[38] As shown in Figure 1, in one example, an electronic certificate based
network transaction
system is provided. The system includes: The Second Server 10, the First
Server 20, the
payment system 50, the first terminal 30, and the second terminal 40. The
Second Server
is respectively connected to the First Server 20 and the payment system 50.
The First
Server 20 is connected to the first terminal 30 and the second terminal 40,
respectively.
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[39] Second Server50, which is used to generate the electronic certificate
of the writeable
information and deliver the electronic certificate to First Server51, the
electronic certificate
at least includes the commodity attribute information of the name and the
amount, and the
settlement of payment including the receiving account information.
[40] Second Server 10 corresponds to the commodity provider. The commodity
provider is a
commodity manufacturer. The electronic certificate is generated by the
electronic
certificate generator. An electronic certificate is used to identify one or a
group of
commodity provided by the commodity provider. Buyers can conduct online
transactions
with the commodity provider through the electronic certificate to purchase the
commodity
corresponding to the electronic certificate. Specifically, the commodity may
be a tangible
commodity or an invisible service. Second Server 10 download the electronic
certificate
generator, and the commodity manufacturer can generate the corresponding
electronic
certificate by inputting the key information such as the commodity information
of the
commodity to be sold and the payment settlement information into the
electronic certificate
generator.
[41] Product attribute information includes: the name of the commodity,
price, pictures and
parameters and other information. The collection and settlement information
includes: the
collection account and the name of the collection account (for example, the
collection and
settlement information is the name of the bank account of the commodity
manufacturer and
the account number of the account opening account).
[42] In one example, the electronic certificate further includes insurance
information of the
commodity, and the insurance information is policy information for
underwriting the
commodity.
[43] In an example, the commodity attribute information includes detailed
description
information of the commodity, and the commodity attribute information changes
according
to the dynamic change of the commodity status. For example, before the
commodity
electronic certificate is purchased by the E-commerce user ("purchase" means
that the
E-commerce user obtains the electronic certificate), the current holder of the
commodity
displayed on the electronic certificate is the commodity provider. When the
commodity
electronic certificate is used by the E-commerce user after the purchase, the
current holder
of the commodity displayed on the electronic certificate is an E-commerce
user.
[44] The First Server 20 is used to display the electronic certificate and
deliver the electronic
certificate to the first terminal 30.
[45] First Server20 corresponds to the commodity electronic warehouse,
electronic commodity
warehouse is the electronic certificate distribution center. The Second Server
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corresponding to the commodity provider delivers the electronic certificate to
First Server
20 and the electronic certificate is displayed by the First Server 20 for
selection by the
electricity supplier user. The commodity electronic warehouse may be an
electronic
certificate storage space set by a shopping platform provided by a bank, and
may also be an
electronic certificate storage space set by other network platforms (for
example, a portal
website). Electronic commodity warehouse for outward display of stored
electronic
certificate.
[46] In this example, the First Server 20 does not sell the electronic
certificate, and the First
Server 20 externally issues the promotional message corresponding to the
electronic
certificate to attract the E-commerce User A to purchase. After the first
terminal 30
corresponding to the electricity supplier User A delivers the request for
obtaining the
electronic certificate to the First Server 20, the first terminal 30 obtains
the electronic
certificate from the First Server 20. The first terminal 30 pushes the
electronic certificate to
the social network, and the second terminal 40 corresponding to the buyer B
implements
the network transaction with the Second Server 10 according to the electronic
certificate
provided by the terminal.
[47] Figure 2 is a page view showing an electronic certificate in an
example. The user may
directly purchase the smart phone corresponding to the electronic certificate
by clicking the
purchase button.
[48] The first terminal 30 is used for pushing the electronic certificate
over the Internet.
[49] The first terminal 30 corresponds to the E-commerce selling electronic
certificate. The
E-commerce company downloads the E-commerce tool (E-commerce APP) from the
First
Server 20 to the first terminal 30 and registers with the E-commerce provider
A to become
the E-commerce provider A. The E-commerce provider A can obtain the electronic
certificate from the First Server 20 for sale as the seller. The terminal 30
popularizes the
obtained electronic certificate on the Internet to attract buyers to purchase.
[50] The second terminal 40 is used to the electronic certificate via the
internet and receives the
logistics information that the user inputs the delivery commodity in the
information that the
electronic certificate can be written, and delivers the payment information
corresponding to
the payment commodity to the payment receiving system 50 according to the
payment
settlement information payment request.
[51] The buyer B corresponding to the second terminal 40 acquires the first
certificate of
pushing the first terminal 30 on the Internet. Buyers B just click on the
purchase button on
the electronic certificate, it will pop-up electronic certificate
corresponding transaction
page, after entering the shipping address and the logistics information of the
consignee's
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contact information in the writeable information of the electronic
certificate, a payment
request is delivered to the payment system to pay the corresponding amount of
the
commodity.
[52] The payment receiving system 50 is used to receive a payment request
delivered by the
second terminal 40, and after verifying that the electronic certificate
passes, freeze the
funds corresponding to the amount in the payment account of the second
terminal 40 and
deliver a notification message indicating that the funds freeze has been
successfully
completed to Second Server10. In one example payment system 50 is a banking
system.
[53] In this example, the payment system 50 serves as a platform for
transferring funds between
buyers and sellers who purchase commodity. The buyer pays the seller through
the
payment system 50 after purchasing the commodity. The purpose of the
electronic payment
system 50 verification electronic certificate is to ensure the legitimacy of
the receiving
account. After the payment system 50 freezes the amount corresponding to the
payment
account of the second terminal 40 (buyer), the buyer has already promised to
pay the
payment, and the notification message is delivered to the First Server 20 to
notify the
commodity provider that the payment can be delivered to the buyer.
[54] The collection and payment system 50 is also used to allocate the
frozen funds to the
collection account after obtaining the receipt information of the receipt of
the commodity.
[55] After the buyer receives the commodity, the receipt information signed
by the logistics
server includes the signature of the signatory and the sign-in time. The
payment receiving
system 50 may obtain the receiving information directly from the logistics
server, or may
also be the receiving information delivered by the second terminal 40 after
the buyer
receives the commodity by triggering the receiving button. When the seller has
completed
the delivery task, the payment system 50 unfreezes the frozen funds and pays
the defrosted
funds to the payment account to complete the network transaction.
[56] In one example, the payment system 50 includes a verification module,
a payment module,
and a payment module. The verification module is used to verify whether the
electronic
certificate is valid and return the verification result to the Second Server.
The payment
module is used to receive a payment request delivered by the second terminal,
freeze the
funds of the amount corresponding to the payment account of the second
terminal
according to the payment request, and deliver a notification message
indicating that the
funds freeze succeeds to the Second Server. The receiving module is used to
transfer the
frozen funds to allocate the frozen funds to the collection account after
obtaining the
receipt information of the receipt of the commodity.
[57] The above system, when First Server is a bank-provided server, the
bank itself provides a
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commodity electronic warehouse. In this case, the receiving account of the
electronic
certificate in the electronic commodity warehouse contains the account number
of the
bank. Since the bank has a high reputation, the electronic certificate
displayed by First
Server can ensure that the commodity is genuine. The E-commerce (buyer) is
also willing
to go to the First Server shopping provided by the bank. The amount of online
payment
transactions by both parties will be refunded to the bank. Therefore, the bank
is also willing
to provide the First Server to display the electronic certificate of the
commodity provider.
The above system realizes a win-win situation for banks, commodity providers
and buyers.
[58] In one example, an electronic certificate based transaction method is
provided. Please refer
to Figure 4, the method includes the following steps:
[59] In step 401, First Server obtains the electronic certificate and
displays the electronic
certificate.
[60] In this example, the electronic certificate includes commodity
information and collection
and settlement information of the purchased commodity.
[61] Before step 401, the method further includes: Second Server generates
an electronic
certificate that includes at least commodity name information and an amount of
funds as
well as an electronic certificate that contains collection and settlement
information of the
receiving account according to the commodity information and the receiving
information
and delivers the electronic certificate to First Server. In this example,
Second Server
downloads the electronic certificate generator, generates an offline
electronic certificate,
and uploads it to First Server.
[62] In one example, step 401 includes: The First Server obtains the
commodity information
and the payment information delivered by the Second Server for generating the
electronic
certificate; the First Server generates the electronic certificate containing
at least the name
and the commodity attribute information and the payment settlement information
including
the payment account according to the commodity information and the payment
information.
[63] In this example, instead of fulfilling the task of generating the
electronic certificate, the
commodity provider provides the key information (commodity information and
payment
information) that must be included in the generation of the electronic
certificate to the First
Server, and the First Server completes the electronic certificate generation
work.
[64] In step 402, the First Server delivers an electronic certificate to
the first terminal.
[65] Step 403: Push the electronic certificate through Internet.
[66] In one example, the step of the first terminal for pushing the
electronic certificate via the
Internet includes: the first terminal pushing the electronic certificate to
the social network.
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[67] In this example, the social network refers to a social circle where an
E-commerce company
participates on the Internet. For example, a user may share an electronic
certificate to a
forum on the Internet, a Weibo account, a WeChat circle of friends, and so on.
Through the
social network multi-channel push electronic stamp commodity, making the
spread of
electronic certificate wider, improved the rapid sale of commodity.
[68] Step 404: The second terminal obtains the electronic certificate via
the internet and
receives the logistics information that the user inputs the delivery commodity
in the
information that the electronic certificate can be written, and delivers the
payment
information corresponding to the payment commodity to the payment receiving
system
according to the payment settlement information payment request.
[69] Step 405: The payment receiving system receives a payment request
delivered by a second
terminal, and after verifying that the electronic certificate is passed,
freezing the funds of
the amount corresponding to the payment account of the second terminal.
[70] Step 406, the payment receiving system receives the received receipt
information of the
commodity, and allocates the frozen funds to the payment account.
[71] As shown in Figure 5, in one example, an electronic certificate based
transaction method is
provided and applied to a First Server. The method includes the following
steps:
[72] Step 501, obtain the electronic certificate and display the electronic
certificate. In this
example, the electronic certificate includes commodity attribute information
of a name and
an amount, and payment settlement information including a receiving account.
[73] Step 502: Deliver an electronic certificate to the first terminal, so
that the first terminal
pushes the electronic certificate through the Internet.
[74] In an example, before the step of obtaining the electronic certificate
in step 502, the step of
obtaining an electronic certificate includes: obtaining commodity information
and payment
information that are for generating an electronic certificate and delivered by
the Second
Server; generating a commodity information that includes at least the name and
the amount
according to the commodity information and the payment information. The
commodity
attribute information, and the electronic certificate containing the
collection and settlement
information of the receiving account.
[75] In one example, in step 502, an electronic certificate is delivered to
the first terminal, 2
includes: receiving a request for obtaining an electronic certificate
delivered by a first
terminal, obtaining a certificate number in an electronic certificate request
and an identifier
of a terminal user; acquiring a certificate number. The corresponding
electronic certificate
binds the terminal user ID with the electronic certificate and delivers the
electronic
certificate bound with the terminal user ID to the first terminal.
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[76] In another example, step 502 of delivering an electronic certificate
to the first terminal
includes: obtaining a terminal user identifier that matches the certification
condition
according to a preset correspondence between the certification conditions and
the
electronic certificate;
[77] Bind the terminal user ID with the corresponding electronic
certificate, and deliver the
electronic certificate bound with the terminal user ID to the first terminal
corresponding to
the terminal user ID.
[78] As shown in Figure 6, in one example, an electronic certificate based
transaction method is
provided and applied to a First Terminal. The method includes the following
steps:
[79] Step 601: Obtain the electronic certificate delivered by First Server.
[80] In step 602, the electronic certificate is pushed over the Internet.
[81] Specifically, pushing the electronic certificate on the Internet
includes delivering the
electronic certificate to the social network.
[82] The aforementioned electronic certificate based trading method
simplifies the operation of
shopping because the buyer can directly conduct shopping through the
electronic certificate
without entering the online shop, and the electronic certificate can be
transmitted through
the social network without relying on "shop" to get rid of the "store" flow of
sales revenue
restrictions, shopkeepers do not pay advertising costs can also ensure the
flow of
commodity. Due to the generation of electronic certificate, the delivery of
commodity by
the manufacturer is all in charge of the manufacturer, so as to change the
original reliance
on the business reputation of the third-party E-commerce platform or online
shop, the
picture, the transaction-centered E-commerce mode so that the articles can be
attached to
attributes of themselves, such as manufacturers, raw materials and other
information, the
formation of an object-centric transaction mode.
[83] In one example, the step of the receiving and payment system receiving
the commodity
receipt information of the commodity receipt includes:
[84] The receiving and payment system receives the commodity receipt that
the electronic
certificate delivered by the logistics server corresponds to the received
commodity.
[85] In one example, the step of the receiving and payment system receiving
the commodity
receipt information of the commodity receipt includes:
[86] The receiving and payment system receives the received commodity
receipt that is
delivered by the second terminal and received by the electronic certificate
corresponding to
the commodity receipt triggered after the user clicks the confirmation
receipt.
[87] In one example, the step of the First Server delivering the electronic
certificate to the first
terminal includes:
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[88] The First Server receives the electronic certificate request delivered
by the first terminal
and obtains the certificate number and the terminal user ID in the electronic
certificate
request. The First Server obtains the electronic certificate corresponding to
the certificate
number, binds the terminal user ID and the electronic certificate, and deliver
the electronic
certificate bound with the terminal user ID to the first terminal.
[89] In this example, First Server serves as an electronic repository for
storing electronic
certificates only. First Server does not have the function of selling
electronic certificates.
First Server only needs to disperse the electronic certificate to the E-
commerce seller
(seller) to sell the electronic certificate by the seller.
[90] The first terminal obtains the electronic certificate by delivering a
request for obtaining the
electronic certificate to the First Server, and the corresponding terminal
provider of the first
terminal pushes the electronic certificate on the Internet to attract the
buyer to buy. If the
buyer is based on E-commerce providers push electronic certificate and Second
Server to
complete online payment transactions, commissioned by the Second Server
commission to
the electricity supplier. In order to distinguish the source of the electronic
certificate, the
terminal user ID needs to be bound with the electronic certificate.
[91] In another example, the step of the First Server delivering an
electronic certificate to the
first terminal includes: The First Server obtains the terminal user identifier
matching the
authentication condition according to the preset correspondence between the
authentication
conditions and the electronic certificate. The First Server binds the terminal
user ID with
the corresponding electronic certificate and binds the terminal user ID. The
electronic
certificate is delivered to the first terminal corresponding to the terminal
user identifier.
[92] In this example, First Server actively distributes the electronic
certificate to the terminal
corresponding to the E-commerce provider. The default delivery conditions
include: high
reputation of E-commerce, E-commerce purchase records, and E-commerce sales.
The
E-commerce that matches the shipping conditions is generally a premium E-
commerce.
First Server proactively delivers an electronic certificate to the terminal
corresponding to
the premium E-commerce provider, which facilitates the optimal configuration
of sales
resources.
[93] The E-commerce method in the above method does not need to be
responsible for various
matters such as purchase, delivery, collection, and after-sale as the owner of
the traditional
online shop. E-commerce providers only need to obtain a shopping electronic
certificate
from the electronic commodity warehouse, and then spread the shopping
electronic
certificate to the social network so that more people can purchase the
commodity. After the
buyer completes the online transaction based on the shopping electronic
certificate, the
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buyer only needs to wait for the provider of the commodity to pay the sales
commission.
By simplifying the E-commerce workload to attract more users to join in, is
conducive to
the promotion of commodity.
[94] The ordinary technicists in the field that can understand and
implement all or part of the
processes in the above mentioned method of the examples which can be
accomplished by
means of a computer program that can be stored in a computer-readable storage
medium.
The program may, when executed, include flows of all examples as described
above. The
storage medium may be a magnetic disk, an optical disk, a read-only memory
(ROM), a
random access memory (RAM), and so on.
[95] The technical features of the examples described above can be
arbitrarily combined. In
order to simplify the description, there doesn't describe all the possible
combinations of the
various technical features in the above examples, however, as long as the
combination of
these technical features, which does not exist a contradiction, should be
considered the
scope of this Specification.
[96] The above-described examples show only a few methods of execution of
the present
invention, and its descriptions are comparatively specific and detailed,
however, it can not
to be construed 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 in the
field without
departing from the inventive concept, which belong to the protection scope of
the present
invention. Accordingly, the protection scope of patent of the present
invention should be
measured by the appended claims.
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