Note: Descriptions are shown in the official language in which they were submitted.
Title: Electronic Certificate-Based Transaction System
Technical Field
111 The present invention relates to the field of Internet, and more
particularly to a trading system
based on electronic certificate.
Background Technology
[2] With the breakthrough of network, communication and information
technology, e-commerce
came into being and developed rapidly, changing people's life rapidly and
promoting the
evolution of social business form. However, the overall economy is still free
from the threshold
of e-commerce, the product is more in kind to be placed in the physical store,
or placing the
product in a picture way in the network store, foiming a "shop-based" sales
model. The
reputation, quality and authenticity of the purchased commodity are mainly
based on the
factors such as the scale and reputation of the physical shops or online
shops, but are hardly
related to the quality of the commodity themselves and the manufacturers. For
example, in real
life, it is hard for people to believe that the brand of goods sold on the
stall is genuine, so
people usually buy the original genuine in a specialty store. Because the
buyers are more
willing to believe that the products sold in the specialty store are genuine,
that is, the traditional
purchase and sale mainly depends on particular sales sites for "shop-based"
product
transactions. The actual situation is that the brand stores, and even large-
scale e-commerce
platform sell fake goods of high imitation are often disclosed and found in
newspapers and
other media.
[31 It is necessary to design a system or device that can integrate all the
real infointation of the
commodity under the transaction, complete transaction rules and service
transaction, and create
an environment that can give intelligent and independent trading of commodity,
so that the
existing trading mode can be separated from the "store standard" to realize
the transaction
mode of "object standard", that is, who sales are not important, who is the
production of sales
of commodity, who provided it is important to protect consumers on the network
can be
purchased by the original genuine, in order to eliminate counterfeiting online
shopping at the
same time, a large number of real economy of the producers can realize the
direct marketing of
the entire domain by affixing their own intelligent electronic transactions on
the commodity.
Summary of the Invention
[4] The technical problem to be solved by the present invention is that, in
view of the limitation of
certain sales places in the circulation of articles in the existing technology
as described above,
the integration and recording mechanism of transaction information is not
perfect, the
mechanism of verification of delivery and delivery of commodity is not perfect
and it cannot
1
Date Re9ue/Date Received 2020-04-09
fully realize the problem of intelligent autonomous transaction of commodity,
and provide a
transaction system of commodity based on electronic certificate.
151 The technical solution adopted by the present invention to solve the
technical problem is as
follows: A trading system based on an electronic certificate is constructed,
which includes a
content provision server, a receiving and payment system communicatively
connected to the
content provision server, a display server of the content provision server, a
client terminal
communicatively connected to the display server, and a logistics terminal
communicatively
connected to the content provision server, wherein:
[6] The content provision server is used to store an electronic certificate
of writeable information
and deliver the electronic certificate to the display server; wherein the
electronic certificate at
least includes article attribute information with a name and an amount of
money and settlement
information corresponding to at least one account;
171 The receiving and payment system is used to: after the electronic
certificate is issued and after
receiving the payment request information of the client terminal, convert the
requested amount
into a request state; and further configured to: after receiving the request
from the client
terminal, after the delivery information is received, the amount of money in
the requested state
is allocated to the account corresponding to the settlement information;
181 The display server is used to present the electronic certificate and
publish the electronic
certificate via the Internet;
[91 The client terminal is used to acquire the electronic certificate via
the internet, write a
destination of the logistics delivery in the electronic certificate, select a
preset logistics support
information to determine the logistics distribution information, and,
according to the settlement
information, deliver the payment request to the receiving and payment system
to request
payment of an amount corresponding to the article attributes;
[10] The logistics terminal, after the receiving and payment system
receives the payment of the
request, extracts an article corresponding to the article attribute
information of the article and
directs the article to move to the destination and delivers the delivery
information to the
content providing server.
[11] In the system of the present invention, the receiving and payment
system includes an issuing
module, a payment module, and a receiving module, wherein:
[12] The issuing module is used to issue the electronic certificate and
return it to the content
provision server;
[13] The payment module is used to: after the payment request of the client
terminal is received,
turn the requested amount into a request state; wherein the request state is a
state of freezing
the amount or changing the amount of money into the default security account
in the state;
2
Date Re9ue/Date Received 2020-04-09
[14] The receiving module is used to: after receiving the delivery
information of the client teiminal,
allocate the amount in the request state to an account corresponding to the
settlement
infoimation.
[15] In the system of the present invention, the system further comprises
an enterprise resource
planning terminal communicatively connected to the content provision server;
[16] The enterprise resource planning teiminal is used to import the
article attribute information
with the name and the amount of money and the at least one account.
[17] In the system of the present invention, the system further includes a
source terminal
communicatively connected to the content provision server;
[18] The source terminal is used to provide and store at least the article
attribute infoimation at least
having the name and the amount and the at least one settlement information in
the content
provision server.
[19] In the system of the present invention, the receiving and payment
system includes a pick-up
code issuing module and a receipt code issuing module.
[20] The pick-up code issuing module is used to deliver a pick-up code to
the logistics teiminal;
[21] The receipt code issuing module is used to deliver a receipt code to
the client terminal;
[22] Or,
[23] The content provision server includes a pick-up code issuing module
and a receipt code issuing
module.
[24] The pick-up code issuing module is used to deliver a pick-up code to
the logistics teiminal;
[25] The receipt code issuing module is used to deliver a receipt code to
the client terminal.
[26] In the system of the present invention, the client terminal is further
configured to provide the
logistics terminal with the receipt code after the article is moved to the
destination.
[27] In the system of the present invention, the logistics terminal
includes a pick-up module, a
shipping module, and a signing module, wherein:
[28] The pick-up module is used to receive the pick-up code and extract an
item corresponding to
the article attribute information according to the pick-up code;
[29] The shipping module is used for guiding the article to move to the
destination;
[30] The signing module is used to deliver the delivery information to the
content provision server
according to the receipt code and synchronize a receipt state to the receiving
and payment
system.
[31] In the system of the present invention, the receiving and payment
system includes a countdown
module;
[32] The countdown module is used to write countdown time information to
the electronic
certificate, wherein the countdown time information includes a payment
countdown and / or a
3
Date Re9ue/Date Received 2020-04-09
delivery countdown and / or an arrival countdown generated according to a
transaction
agreement.
[33] In the system of the present invention, the receiving and payment
system includes an insurance
module;
[34] The insurance module is used to write the electronic certificate into
the electronic insurance
contract infoimation.
[35] In the system of the present invention, the receiving and payment
system includes a public
authority module;
[36] The public authority module is used to write identification
information and / or item ownership
infoimation and / or authentication infoimation and / or transaction status
infomiation and / or
registration infoimation to the electronic certificate.
[37] The present invention discloses a trading system based on an
electronic certificate, which has
the following beneficial effects: By generating an electronic certificate that
corresponds to an
article and is adapted to the circulation of the Internet, the invention can
get rid of the
restriction of a specific sales place, thereby changing the original relying
on the business
reputation of the tripartite E-commerce platform or online store, see the
picture, the
transaction-oriented E-commerce model, so that an article can be attached to
its own attributes,
such as manufacturers, raw materials and other infoimation, can be autonomous
and efficient
circulation on the Internet, realize intelligent and independent trading, and
&liming an
object-centered transaction model.
Brief Description
[38] Figure 1 is a structural block diagram of a trading system based on an
electronic certificate
provided by a first example of the present invention;
[39] Figure 2 is a flow chart of a method for an electronic certificate
based trading system provided
by the present invention;
[40] Figure 3 is a flow chart of generating and issuing the electronic
certificate provided by the
present invention;
[41] Figure 4 is a flowchart of purchasing an electronic certificate by a
client teiminal according to
the present invention;
[42] Figure 5 is a flow chart of the dispensing article provided by the
present invention;
[43] Figure 6 is a flow chart of the settlement of funds provided by the
present invention;
[44] Figure 7 is a structural block diagram of a trading system based on an
electronic certificate
provided by a second example of the present invention;
[45] Figure 8 is a structural block diagram of a trading system based on an
electronic certificate
according to a third example of the present invention.
4
Date Re9ue/Date Received 2020-04-09
Description of the Preferred Examples
[46] For a clearer understanding of the technical features, objectives and
effects of the present
invention, the specific examples of the present invention will be described in
detail with
reference to the accompanying drawings.
[47] The present invention provides a trading system based on electronic
certificate, the purpose of
which is to realize an all-intelligent system of 'bank guarantee, single
inspection, receipt of
payment'. Wherein, the use of electronic certificate enables the transaction
of commodity or
services to reach a 'direct purchase and sale', that is, the commodity are
delivered directly by
the manufacturer and automatically collected, so as to ensure the authentic
sales from the
source of the commodity, thereby making the transaction safer and more
reliable; To ensure the
quality of commodity by adding the public power module in order to supervise
the dynamic
circulation of the articles. Through electronic certificate, it will guide the
physical objects to
move, so as to ensure the reasonable rights and interests of both parties, and
realize the "hand
in hand delivery" in E-commerce business; the use of electronic certificate
can also produce
unmanufactured items or articles in production, as well as services, pre-
issuance, improve the
rate of funds recovery; at the same time, through the electronic certificate
changed based on
electric business platfoiin by a third party (or online store) business
reputation, see the pictures,
the transaction of the electricity business centered trading pattern, make the
items on the
Internet, autonomous and efficient circulation realize intelligent autonomous
transactions, fonn
centered on items of trade pattern; through this system, enterprises can be
expected to produce
commodity or commodity has created or existing services to record dynamic
circulation of
commodity infoimation electronic certificate shows in the E-commerce, so that
enterprises can
earn a cash flow in the future in exchange for a real-time cash flow (such as
discount, factoring
and other financing), greatly accelerate the capital commodity or services
turnover rate, to
solve the problem of insufficient liquidity of commodity to meet corporate
financing
requirements, accelerate the cash flow of enterprises, and promote social and
economic
development.
[48] Please refer to Figure 1, Figure 1 is a structural block diagram of a
trading system based on an
electronic certificate provided by a first example of the present invention.
The electronic
certificate-based trading system 100 includes a content provision server 1, a
receiving and
payment system 2 communicatively connected to the content provision server 1,
a display
server 3 communicatively connected to the content provision server 1, a client
terminal 4
communicatively connected to the display server 3, and the logistics terminal
5 which is
connected to the content providing server 1. The "communicative connection"
here can realize
data synchronization, and can also selectively synchronize data according to
actual needs.
Date Re9ue/Date Received 2020-04-09
Among them:
[49] The content provision server 1 is used to store an electronic
certificate of writeable information
and deliver the electronic certificate to the display server 3; wherein the
electronic certificate at
least includes article attribute infoimation with a name and an amount of
money and settlement
infoimation for at least one account;
[50] The receiving and payment system 2 is used to: after the electronic
certificate is issued and
after receiving the payment request of the client terminal, convert the
requested amount into a
request state, where the request state may be understood as a freeze status of
the deposit
amount or the credit limit or the status of the deposit amount or credit limit
transferred to the
preset guarantee account, that is, the credit limit (credit card) or the
deposit amount (debit card)
in the purchaser's bank card is temporarily frozen, or the credit limit and
deposit amount into
the default guarantee account, it can be understood as a commitment to pay.
After receiving the
delivery information of the client terminal 4, allocating the amount in the
request state to an
account corresponding to the settlement infolination; in particular, the
receiving and payment
system 2 may further set a receiving account for seller authorized by the
bank.
[51] The receiving and payment system 2 at this office is preferably a
banking system or a
third-party payment system. Wherein, the electronic certificate issued by the
receiving and
payment system 2 refers to the information (such as the seller's bank account
information and
other funds information) approved by the electronic payment system for
electronic certificate,
writes the electronic signature into the electronic certificate, and then
issues the electronic
certificate, this not only achieves the purpose of correctly identifying the
electronic certificate
by the bank or other payment telininals, but also technically resolves the
issue of identity
verification of the article producer.
[521 It should be noted that the request state is a status of freezing the
amount or transferring the
amount into a preset guarantee account; the status of the amount of the freeze
applies to the
bank as the payee and the payee, transfer to a secured account means that the
third-party
trading platfolin transfers funds into its guarantee account as collateral for
the transaction. In
addition, it can also use the third-party trading platfoiin and banks to
cooperate with each other
to provide users with a variety of payment and receipt methods, thus adding
the user
experience.
[53] The display server 3 is used to present the electronic certificate and
publish the electronic
certificate via the Internet. Specifically, the content providing server 1
delivers a link or a
mapping of the electronic certificate to the display server 3, thereby saving
infoimation
interactive resources.
6
Date Recue/Date Received 2021-06-17
[54] The client terminal 4 is used to acquire the electronic certificate
via the Internet, write a
destination of the logistics delivery in the electronic certificate, select
preset logistics support
information to determine logistics distribution information, and according to
the settlement
information, deliver the payment request to the receiving and payment system 2
to request
payment of an amount corresponding to the article attribute infollnation; the
logistics support
information is generally information that the content provision server 1
collects from a
plurality of logistics companies and displays in the electronic certificate,
which is convenient
for the client tenninal 4 to select one of the logistics companies for
distribution of the article.
The payment request generally refers to the bank account informiation or other
account
information of the buyer holding the client tenninal in the payment system to
request payment
of the amount corresponding to the article. The transaction amount is credited
to the bank
account or other account recorded in the electronic certificate. The logistics
support
information refers to the form of the logistics company that provides the
distribution service
for the buyer to select the corresponding logistics company to distribute the
article
corresponding to the electronic certificate.
[55] The logistics terminal 5, after the receiving and payment system 2
receives the payment of the
request, extracts an article corresponding to the article attribute
informiation and directs the
article to move to the destination and delivers the delivery information to
the content providing
server 1.
[56] Preferably, the receiving and payment system 2 includes an issuing
module, a payment module
and a receiving module, wherein:
[57] The issuing module is used to approve the settlement information
written into the electronic
certificate, and issue the electronic certificate and return to the content
provision server 1.
[58] The payment module is used to: after the electronic certificate is
issued and after receiving the
request for payment of the client teiminal 4, convert the requested amount
into a request state;
[59] The receiving module is used to: after receiving the delivery
information of the client terminal
4, allocate the amount in the request state to an account corresponding to the
settlement
information.
[60] The following is a detailed description of the method for implementing
this electronic
certificate based trading system. Please refer to Figure 1 and Figure 2,
Figure 1 is a structural
block diagram of a trading system based on an electronic certificate provided
by a first
example of the present invention. Figure 2 is a flow chart of a method for a
trading system
based on an electronic certificate provided by the present invention figure,
mainly divided into
the following four steps:
[611 Si, provide and issue electronic certificate: The electronic
certificate generating device
7
Date Re9ue/Date Received 2020-04-09
generates an electronic certificate which is issued through a host system
installed in a bank.
Specifically, the "issuance" of the electronic certificate refers to writing
the settlement
infoimation and the electronic signature. The issued electronic certificate is
delivered to an
electronic warehouse, which issues the electronic certificate via the
Internet, thereby displaying
the electronic certificate to the consumer, through which the electronic
certificate can be
obtained by the consumer. Preferably, the electronic warehouse herein may be
an independent
website, such as an E-commerce platfoim and an official website platform of an
organization.
Of course, the electronic warehouse can also be set up on personal Weibo,
WeChat and other
social media platfoims.
[62] Specifically, a one-to-one mapping relationship can be established
between the electronic
warehouse and the data in the banking host system. That is, the data of the
electronic certificate
is synchronized or partially synchronized with the data in the electronic
warehouse and bank
host system. It should be noted that the main body to generate electronic
certificates can be
manufacturers or distributors or natural persons.
[63] S2: Purchase of an electronic certificate: the consumer obtains an
electronic certificate through
a client teiminal 4 connected to the electronic warehouse and delivers payment
request to the
bank host system to request payment of an amount corresponding to the article
attribute
infoimation. The bank host system turns the requested amount to the request
state, and the
logistics terminal 5 prepares the items that correspond to the article
attribute information of the
article. It should be noted that the "request state" in this section means
that the funds in the
consumer's account are frozen or the funds are temporarily secured by a third
party. It can also
be understood as a freeze status of the deposit amount or the credit limit or
the status of the
deposit amount or credit limit transferred to the preset guarantee account,
that is, the credit
limit (credit card) or the deposit amount (debit card) in the purchaser's bank
card is temporarily
frozen, or the credit limit and deposit amount into the default guarantee
account, it can be
understood as a commitment to pay.
[64] S3, delivery of article: logistics teiminal 5 guides the article to
the destination.
[65] S4, settle the funds: After the host system receives the delivery
information of the logistics
teiminal, it will allocate the amount in the request state to the account
corresponding to the
settlement information.
[66] It can be understood that, in step 51, the electronic certificate may
write infoimation, where the
infoimation includes, but not limited to, transaction infoimation. The
electronic certificate is
stored in a content provision server 1, wherein the electronic certificate at
least includes article
attribute infoimation with the name and the amount and the settlement
infoimation with at least
one account. As a preferred solution of this example, the electronic
certificate is issued by the
8
Date Re9ue/Date Received 2020-04-09
bank host system. After issuing the electronic certificate, the bank host
system also writes
optional logistics support information to the electronic certificate and
delivers it to the bank
host system electronic warehouse and / or content providing server; electronic
warehouse for
storing electronic certificate and issuing electronic certificate via
Internet; and generating
electronic certificate by bank host system is essentially an electronic
certificate for recording
all transactions.
[67] Specifically, as shown in Figure 3, Figure 3 is a flowchart of
generating and issuing an
electronic certificate provided by the present invention, that is, a process
optimization solution
of step Si.
[68] S101: the item provider submits the request for generating the
electronic certificate to the
content provision server 1.
[69] Preferably, the item provider may finish the configuration of the item
on the local electronic
terminal first, and then submit a request for generating the electronic
certificate to the content
provision server I again. In this way, the generated electronic certificate
source file can be
stored directly on the local electronic terminal without being stored in the
content provision
server 1 or the receiving and payment system 2, and only a connection signal
is given to the
content providing server 1 or the receiving and payment system 2.
[70] It is also possible to directly connect to the content providing
server 1, configure the articles
online, and then submit the request for generating the electronic certificate
to the content
providing server 1. In addition, when the electronic certificate is generated
online, the
electronic certificate can be saved directly to the content provision server
1. When the
electronic certificate is generated offline, the electronic certificate may
also be generated to
generate an electronic certificate. The electronic certificate may be stored
offline in a local
electronic terminal.
[71] S102. The content providing server I receives the request and returns
to the item
provider-configuration page.
[72] 5103, the item provider sets various label information of the
electronic certificate in the
configuration page, that is, sets up the fulfilment information of the
electronic certificate,
article attribute information with the name and the amount of money, and
settlement
information for at least one account.
[73] S104, the content providing server 1 generates an electronic
certificate template configured
with article information.
[74] 5105: the item provider configures the issuing bank of the receiving
and payment system 2,
which is not limited to the issuing bank. The receiving and payment system 2
may also be other
platforms that can support the flow of funds in the Internet. At the same
time, the content
9
Date Re9ue/Date Received 2020-04-09
provision server 1 delivers the payment receiving system 2 the issuance
request of the item
provider. This step may be completed by setting an issuing module in the
receiving and
payment system 2. The issuing module writes the optional logistics support
information after
generating the electronic certificate, generates an electronic certificate,
and delivers the
electronic certificate to the presentation server 3 and / or the content
providing server 1.
[75] S106, the receiving and payment system 2 receives the issuance request
to complete the
issuance, and returns a PID to the content provision server 1.
[76] The 'PID' involved here is the port ID, which is also the 'port
number'. Noimally, the PID
consists of 8-bit port priority plus port number, port number is low, and the
default port number
priority 128.
[77] Of course, it is also possible for the item provider to directly
submit an issuance request to the
bank, and the receiving and payment system 2 returns a PID to the item
provider after
confirming the identity of the item provider. It is conceivable that the item
provider may also
submit an issuance request to the receiving and payment system 2 through the
content
provision server 1 to obtain a PID, and it is also feasible.
[78] S107: the content provision server 1 updates the status of the
electronic certificate to be issued
and synchronizes the infoimation to the item provider.
[79] S108, the item provider selects the publication method of the
electronic certificate, and
generally selects to release the electronic certificate through the preset
channels. The channel
can be a link, an advertisement, a program embedded in the app, and so on.
This step may be
implemented by adding the publication port electrically connected to the item
provider, and the
publication port is used to connect to the Internet to publish the electronic
certificate.
[80] S109, the content providing server 1 issues the electronic certificate
according to the
distribution channel.
[81] This issued electronic certificate can be viewed by S110, the item
provider or other Internet
users through a terminal connected to the Internet.
[82] For the step S2, the client terminal 4 in the system is used to browse
and acquire the electronic
certificate via the Internet, write a destination of the logistics delivery in
the electronic
certificate, and select the logistics support information to determine the
logistics distribution
infoimation, and deliver the payment request to the receiving and payment
system 2 according
to the settlement information to request payment of an amount corresponding to
the article
attribute; and the client terminal 4 can implement its function through a
software package such
as a plug-in, an APP, and so on. After receiving the request for payment of
the client teiminal 4,
the receiving and payment system 2 transforms the requested amount into a
request state, and
notifies the logistics terminal 5 to go to the location of the article to
extract the article
Date Re9ue/Date Received 2020-04-09
corresponding to the article attributes.
[83] The function of the client terminal 4 is to complete the purchase of
the electronic certificate
and provide the funds for the subsequent delivery steps to freeze or escrow
the certificate. For
the specific process of purchasing the electronic certificate, see Figure 4.
Figure 4 shows the
process of the electronic device certificate flow chart, the process includes
the following steps:
[84] S201: the client teiminal 4 selects a payment bank, and may also
select a platform for Internet
to support fund flow, or may be the same terminal as the receiving and payment
system 2, so as
to issue a payment request. Generally, it needs to type in the corresponding
account and
password to log in to the bank account. The login point can be the receiving
and payment
system 2 or the official website of the bank.
[85] S202, the receiving and payment system 2 receives the selection
instruction, verifies the user
identity of the client terminal 4, and returns to the client teiminal 4.
[86] S203: the client teiminal 4 delivers the user identity information and
confilins that the
electronic certificate is to be paid.
[87] S204: After receiving the request for payment of the client teiminal
4, the receiving and
payment system 2 changes the requested amount into a request state and
synchronizes the
infoimation to the content provision server 1, and the content provision
server 1 notifies the
logistics terminal 5 to extract the article that corresponds to the article
attribute. This step may
be implemented by setting a payment module in the receiving and payment system
2.
Specifically, after the payment module receives the request for payment of the
client teiminal
4, the requested amount is turned into a request state, and the infoimation to
the content
provision server 1, and the content provision server 1 notifies the logistics
teiminal 5 to extract
the article corresponding to the article attribute infoimation, wherein the
request state is the
state of the freezing of the stated amount or the transfer of the amount
referred to into a
presupposed guarantee account.
[88] S205: the receiving and payment system 2 synchronizes the receipt
state of the client teiminal
4 with the terminal 5, and returns a receipt.
[89] S206: the client teiminal 4 updates the receipt state of the
electronic certificate according to the
receipt.
[90] For the step S3, the system comprises a logistics terminal 5 for
guiding the article to move to a
destination and delivering the delivery information to the receiving and
payment system 2. The
logistics terminal 5 is disposed inside the logistics company so that the
electronic certificate
can be fully circulated. The logistics terminal 5 can also be implemented in
the &Inn of
software such as APP, plug-in. However, if the article is directed to move to
the destination, the
article may be delivered to the door or be delivered in other forms.
11
Date Re9ue/Date Received 2020-04-09
[91] The logistics terminal 5 ensures the timely delivery of the article
under the monitoring mode
and effectively combines the circulation track of the article and the
circulation of funds so that
the rights and interests of both the buyer and the seller can be effectively
protected.
[92] The logistics terminal 5 essentially completes the delivery process.
Referring to Figure 5, the
flowchart of the delivery provided by the present invention preferably
includes the following
steps:
[93] S301, the logistics terminal 5 delivers the article to submit the
delivery information, and
synchronizes and updates the receipt state of the content providing server 1.
[94] S302: After receiving the updated delivery information, the content
providing server 1
simultaneously returns the notification of fulfilment to the logistics
terminal 5 and
synchronizes the receipt state in the receiving and payment system 2. In this
step, the logistics
company automatically synchronizes the receipt state with the content
provision server 1: for
example, has shipped, has been received. The receipt code issuing module
delivers out the
performance to the receiving and payment system 2, prompting the two
notifications to prompt
the payment.
[95] S303, the electronic certificate updates the receipt state in the
logistics terminal 5.
[96] With respect to step S4, after the content provision server 1 receives
the delivery information
of the logistics terminal 5, the receiving and payment system 2 transfers the
amount in the
request state to the account corresponding to the settlement information. The
receiving and
paying system 2 can be set up in the corresponding bank, it can also be set to
support the flow
of funds within the Internet platform, through software. If the bank system is
transferred inside
the bank, the internal network of the bank can be used to realize the
transfer, and the funds are
always circulated in the bank system to ensure the security of the funds. Of
course, it is
understandable that it is also feasible to allocate the amount described in
the request state
between the third party payment company and the bank.
[97] The receiving and payment system 2 can solve the payment after the
receipt of the articles so
as to complete the transaction of the articles. Please refer to Figure 6 for
the preferred flow of
the part, and Figure 6 is a flow chart of the settlement of funds provided by
the invention. The
flow chart includes the following steps:
[98] S401, after the delivery of the item, the user of the client terminal
4 signs. Generally, a pick-up
code issuing module and a receipt code issuing module are set in the receiving
and payment
system 2; wherein the pick-up code issuing module is used to deliver a pick-up
code to the
logistics terminal 5; the receipt code issuing module is used to deliver, a
receipt code to the
client terminal 4.
[99] The client terminal 4 provides the receipt code to the logistics
terminal 5 after the article is
12
Date Re9ue/Date Received 2020-04-09
moved to the destination.
[100] The logistics terminal 5 includes a pick-up module, a shipping module
and a signing module,
wherein: the pick-up module receives the pick-up code and extracts the item
corresponding to
the article properties according to the pick-up code; the shipping module
guides the item to
move to the destination; and the signing module delivers the delivery
information to the
receiving and payment system 2 according to the receipt code. The method may
further
include: the receiving and payment system 1 includes a pick-up code issuing
module and a
receipt code issuing module; the pick-up code issuing module is used to
deliver a pick-up code
to the logistics teiminal 5; the receipt code issuing module is used to:
deliver a receipt code to
the client terminal 4.
[101] Alternatively, the content provision server 1 includes a pick-up code
issuing module and a
receipt code issuing module; the pick-up code issuing module is used to
deliver a pick-up code
to the logistics teiminal; the receipt code issuing module is used to deliver
a receipt code to the
client terminal. In addition, a sign-in module may also be set in the client
terminal 4 to realize
intelligent receipt. There are two preferred examples of the sign-in module,
as follows:
[102] Mode 1: the receiving module includes a receipt code issuing module,
a receipt code
confirmation module and a receipt delivering module, wherein: the receipt code
issuing module
is used to communicatively connect to the client terminal 4 to issue a receipt
code to client
teiminal 4; the receipt code confirmation module is used to generate
confirmation of the receipt
code to generate a receipt after the shipment is moved to the destination and
before the funds
are unfrozen or prior to settlement to the owner of the article, so as to
determine the receipt of
the article; and the receipt code delivering module is used to be
communicatively connected to
the receiving and payment system 2, and deliver the sign-in infomiation to the
receiving and
payment system 2.
[103] In order to verify the reliability of the delivery of the logistics
company, the buyer should
receive the article in order to verify the identity of the buyer.
[104] Manner 2: the receiving module includes a receipt code issuing
module, a receipt code
confirmation module and a receipt code delivering module, wherein: the receipt
code issuing
module is used to communicatively connect to the client teiminal 4 to issue a
receipt code to
client terminal 4; the receipt code confiimation module is used to generate
confiimation of the
receipt code to generate a receipt after the shipment is moved to the
destination and before the
funds are unfrozen or prior to settlement to the owner of the item, so as to
detemtine the receipt
of the item; and the receipt code delivering module is used to be
communicatively connected to
the receiving and payment system 2, and deliver the sign-in infomiation to the
receiving and
payment system 2.
13
Date Re9ue/Date Received 2020-04-09
[105] The system further includes a sign-in code server communicatively
connected to the client
terminal 4; the sign-in code server is used to generate the signature
according to the request
information of the sign-in code request module, and deliver the signature to
the client terminal
4. The sign-in code server and the content providing server I may be the same
server to
perform different functions.
[106] The sign-in module includes a sign-off code request module, a sign-
off code confirming
module, and a sign-off delivering module, wherein: the sign-off code request
module is used to
be communicatively connected to the sign-off code server, request to generate
a receipt code;
and the sign-off code confirmation module is used to generate a receipt
confiimation message
to confirm the receipt code after the item are delivered to the destination
and before allocating
the funds, so as to determine the receipt of the item; the sign-off code
delivering module is
used to be communicatively connected to the receiving and payment system 2 and
to deliver
the delivery information to the receiving payment system 2 and synchronize to
the content
provision server 1.
[107] This method protects the rights and interests of both parties by
confirming that the buyer has
received the article from the item provider and solves the freezing or
guarantee funds through
the receipt server.
[108] S402: After the receipt, the logistics terminal 5 synchronizes the
predelivery information to the
receiving and payment system 2 and the content provision server 1.
[109] S403, the content provision server 1 delivers a payment request to
the receiving and payment
system 2.
[110] S404, the receiving and payment system 2 unfreezes the funds and
transfers them to the target
account or transfers the settlement to the target account.
11111 In order to better realize the intelligence of the electronic
certificate, the present invention
further provides the following preferred solutions:
[112] 1) The content provision server 1 or the receiving and payment system
2 further includes a
countdown module.
[113] The countdown module is used to set countdown information for the
electronic certificate,
where the countdown information includes a payment countdown and / or a
delivery
countdown and / or a countdown of article due to a transaction agreement. The
countdown
module ensures that articles are delivered on time.
[114] The deciding when to pay the countdown is the time when the parties
to the transaction
reached the intent to initiate the transaction and is a payment countdown.
[115] The contract, when the countdown to the shipment is the countdown to
the shipment, is used to
guarantee the timely delivery of the article or service; the countdown module
is started when
14
Date Re9ue/Date Received 2020-04-09
the payment is initiated.
[116] The contract, when the countdown to the arrival is the countdown to
the receipt, is used to
guarantee the timely arrival of the article or service when the seller begins
to ship.
[117] 2) The content provision server 1 or the receiving and payment system
2 further includes an
insurance module and a public authority module.
[118] The insurance module is used to set the electronic insurance contract
information for the
electronic certificate; the insurance module ensures the rights and interests
of both parties of
the transaction and minimizes the losses caused by the sudden condition of the
transaction.
Insurance module records electronic insurance contracts, not limited to
specific types of
insurance. The insurance module provides guarantee for the delivery of the
article, and pays for
the loss caused by the failure of the article transaction, and the maximum
guarantee of the
interests of both parties.
[119] The public authority module is used to write identification
information and / or item ownership
information and / or authentication information and / or registration
information to the
electronic certificate. Public right module and public authority infonnation
connection, with
registration, accreditation, certification functions.
[120] 3) The content provision server 1 or the receiving and payment system
2 further includes a
rebate module.
[121] The rebate module is used to provide the conditions under which the
broker issues a connection
to the Object Credit Certificate, from which the transaction is matched so
that the broker can
extract the commission.
[122] Figure 7 is a structural block diagram of an electronic certificate-
based trading system 100
according to a second example of the present invention. As shown in Figure 7,
this example is
different from the first example in that the system further includes an
enterprise resource
planning terminal 6 connected to the content provision server 1; the
enterprise resource
planning terminal 6 is used to import, in batches or one by one, at least the
article attribute
information with the name and the sum of the settlement information with the
at least one
account in batch or generates the electronic certificate one by one and stores
it in the content
provision server 1. Enterprise Resource Planning (ERP), Enterprise Resource
Planning (ERP)
is the next generation of manufacturing systems and resource planning software
for MRPII
(Enterprise Manufacturing Resource Planning). System through docking with ERP,
in order to
achieve batch or one by one to generate electronic certificate.
[123] Figure 8 is a structural block diagram of a trading system 100 based
on an electronic certificate
provided by a third example of the present invention. As shown in Figure 8,
this example is
different from the first example in that the system further includes:
including a source tenninal
Date Re9ue/Date Received 2020-04-09
7 communicatively connected to the content provision server 1. The source
terminal 7 is used
to provide an electronic certificate including at least article attributes
with a name and an
amount of money and account settlement infonnation with at least one account,
which is stored
in the content provision server 1. The source tenninal 7 of this example is
mainly directed to a
natural person or a small and medium-sized enterprise, preferably a computer
or a mobile
phone. Wherein the article attribute information includes at least the article
name, the location
of the article, and the article price. The seller's terminal can be either an
item producer or a
non-producer seller.
[124] The examples of the present invention are described above with
reference to the accompanying
drawings. However, the present invention is not limited to the above specific
examples. The
foregoing specific examples are merely illustrative and not intended to limit
the present
invention, many modifications and variations can be made by those skilled in
the art without
departing from the spirit and scope of the invention as disclosed in the
accompanying
drawings, all of which fall within the protection scope of the invention.
16
Date Re9ue/Date Received 2020-04-09
