Note: Descriptions are shown in the official language in which they were submitted.
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Electronic Certificate-Based Payment System
Technical Field
[1] The present invention relates to the field of Internet, and more
particularly to a payment
system based on electronic certificate.
Background Technology
[2] With the breakthrough of network, communication and information
technology,
e-commerce carne 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-commeree, 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, forming 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
commodity sold on the stalls are genuine commodity, all of which are purchased
in the
specialty stores because they believe the sales in the specialty stores must
be 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.
[3] It is necessary to design a system or device that can integrate all the
real information 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.
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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 fully realize the problem of intelligent autonomous transaction
of commodity,
and provide a payment system based on electronic certificate.
[5] The technical solution adopted by the present invention to solve the
technical problem is as
follows: A payment system based on an electronic certificate is constructed,
comprising a
manufacturer terminal, a payment system communicatively connected to the
vendor
terminal. and a communication system connected to the payment system client
terminal,
and a logistics terminal communicatively connected to the payment system,
wherein:
[6] The vendor terminal is used to import an electronic certificate
template that includes at
least an article attribute with a name and an amount of money and settlement
information
with at least one account;
[7] The payment system is used to store an electronic certificate that can
write information;
and further configured to: after the electronic certificate is issued and
after receiving the
request information of the client terminal, convert the requested amount into
a request
state; after receiving the receipt information of the client terminal, pays
the amount in the
requested state to an account corresponding to the settlement information;
[8] 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
determine,
according to the collection, the settlement information delivers the request
information to
the payment system to request payment of an amount corresponding to the
article attribute;
[9] The logistics terminal, after the payment receiving system receives the
request payment,
extracts an item corresponding to the attribute of the item and directs the
item to move to
the destination and delivers the receipt information to the payment system.
[10] In the system of the present invention, the payment system includes a
storage module, a
verification module, a payment module, a payment module, and a distribution
module,
wherein:
[11] The storage module is used to store an electronic certificate of
writeable information,
wherein the electronic certificate at least includes an article attribute with
a name and an
amount of money, and settlement information with at least one account;
[12] The issuing module is used to issue the electronic certificate;
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[1 3] The payment module is used to: after the request information 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 change the amount of money into the default security
account in
the state;
[14] The receiving module is used to: after receiving the receiving
information of the logistics
terminal, allocate the amount in the requested state to an account
corresponding to the
settlement information;
[15] The publishing module is used to publish the electronic certificate
via the Internet.
[16] In the system of the present invention, the payment system includes a
delivery code issuing
module and a receipt code issuing module.
[17] The pick-up code issuing module for delivering a pick-up code to the
logistics terminal;
[18] The receipt code issuing module is used to deliver a receipt code to
the client terminal.
[19] In the system of the present invention, the client terminal is further
configured to provide
the logistic terminal with the receipt code after the commodity move to the
destination.
[20] In the system of the present invention, the logistics terminal
includes a pickup module, a
shipping module, and a signing module, wherein:
[21] The pick-up module is used to receive the pick-up code and extract the
commodity
corresponding to the article attribute according to the pick-up code;
[22] The delivery module is used for guiding the commodity to move to the
destination;
[23] The receiving module is used to deliver the receipt information to the
payment system
according to the receipt code.
[24] In the system of the present invention, the payment system includes a
countdown module;
[25] 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 delivery countdown and / or an arrival countdown generated according to a
transaction
agreement.
[26] In the system of the present invention, the payment system includes an
insurance module;
[27] The insurance module is used to write the electronic certificate into
the electronic
insurance contract information.
[28] In the system of the present invention, the payment system includes a
public authority
module;
[29] The public authority module is used to write identification
information and / or item
ownership information and / or authentication information and / or transaction
status
information and / or registration information to the electronic certificate.
[30] The present invention discloses payment system based on an electronic
certificate, which
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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 items can be attached to its
own attributes,
such as manufacturers, raw materials and other information, can be autonomous
and
efficient circulation on the Internet, realize intelligent and independent
trading, and
forming an object-centered transaction model.
Brief Description
[31] Figure 1 is a structural block diagram of a payment system based on an
electronic
certificate provided by the present invention;
[32] Figure 2 is a flow chart of a method for an electronic certificate-
based payment system
provided by the present invention;
[33] Figure 3 is a flow chart of generating and issuing the electronic
certificate provided by the
present invention:
[34] Figure 4 is a flowchart of purchasing an electronic certificate by a
client terminal according
to the present invention;
[35] Figure 5 is a flow chart of the delivery of commodity provided by the
present invention;
[36] Figure 6 is a flow chart of the settlement of funds provided by the
present invention.
Description of the Preferred Examples
[37] 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.
[38] The present invention provides an electronic certificate-based payment
system 100, which
aims to realize a fully intelligent system of 'payment system 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 and speed
up the flow of
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funds; at the same time, through the electronic certificate changed based on
electric
business platform 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,
form 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 information electronic certificate shows in the E-
commerce, the
enterprise with a future cash flow of income in exchange for an immediate cash
flow
income has greatly improved the problem of insufficient liquidity of funds
turnover and
meet the financing requirements of the enterprise, accelerate enterprise funds
turnover,
promoting economic and social development.
[39] Figure 1 is a block diagram of a payment system 100 based on an
electronic certificate
according to a first example of the present invention. As shown in Figure 1, a
payment
system 100 based on an electronic certificate includes a manufacturer terminal
2, a
payment system 1 communicatively connected to the vendor terminal 2, a client
terminal 4
communicatively connected to the payment system 1, and a logistics terminal 3
communicatively connected to the payment system 1. Communication connection
has the
function of synchronous data, according to the actual needs, selective
synchronization of
data.
[40] Wherein: The vendor terminal 2 is used to import an electronic
certificate template that
includes at least an article attribute with a name and an amount of money and
settlement
information with at least one account;
[41] The payment system 1 is used to store an electronic certificate of
writeable information,
and further configured to: after the electronic certificate is issued and
after receiving the
request information of the client terminal 3, convert the requested amount
into a request
state; and is further configured to: after receiving the receiving information
of the client
terminal 3, pays the amount in the requested state to an account corresponding
to the
settlement information, where the request state may be understood as a frozen
deposit. The
status of the amount or the credit line or the status of the deposit amount or
the credit limit
transferred to the preset guarantee account, that is, the credit limit (credit
card) or deposit
amount (debit card) in the purchaser's bank card is temporarily frozen or is
the credit limit
and deposit amount into the default guarantee account, it can be understood as
a
commitment to pay.
[42] Where the electronic certificate is issued, the electronic certificate
written in the payment
system is written into the electronic certificate after the relevant
information (such as
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seller's account information and other financial information) in the
electronic certificate is
approved, and then the electronic certificate is issued again. The purpose of
correctly
identifying the electronic certificate by the payment terminal is also solved
technically and
the identity verification of the article producer is also solved.
[43] 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 a
preset logistics
support information to determine the logistics distribution information, and
determine,
according to the collection. the settlement information delivers the request
information to
the payment system to request payment of an amount corresponding to the
article attribute;
[44] The logistics terminal 3, after the payment receiving system receives
the request payment,
extracts an item corresponding to the attribute of the item and directs the
item to move to
the destination and delivers the receipt information to the payment system 1.
[45] For the system, refer to Figure 2 for a method for executing the
system. Figure 2 is a flow
chart of a method for payment system based on an electronic certificate
provided by the
present invention. The method mainly includes the following four steps:
[46] Sl. Providing and issuing an Electronic Certificate: the manufacturer
terminal 2 provides
an electronic certificate template for completing the configuration. After the
payment
system 1 issues the electronic certificate, the electronic certificate is
published through the
Internet. Wherein, manufacturers, distributors, or natural persons can provide
the main
body to generate electronic certificate resources. Specifically, the
"issuance" here refers to
writing the payment account information and the electronic signature written
to the
payment system in the electronic certificate.
[47] S2: Purchase of the electronic certificate: the client terminal 4
acquires the electronic
certificate, and delivers the request information to the payment system 1 to
request
payment of an amount corresponding to the item attribute; or to the electronic
device via
the vendor terminal 2. The payment system 1 delivers the request information
to request
payment of the amount corresponding to the article attribute: the payment
system 1
transfers the requested amount to the request status while synchronizing the
status
information to the client terminal 4 and / or the vendor terminal 2. And
informs the
logistics terminal 3 to prepare to go to the address provided by the owner of
the commodity
or may be the location of the commodity described in the electronic
certificate and extract
the commodity corresponding to the property of the commodity.
[48] S3, Delivery of commodity: the logistics terminal 3 guides the
commodity to move to the
destination.
[49] S4: Settlement of Funds: After the payment system 1 receives the
receipt information of the
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logistics terminal 3, the payment system 1 allocates the amount in the
requested state to the
account corresponding to the settlement information.
[50] Wherein, for the step Sl, the vendor terminal 2 is used to store an
electronic certificate of
writeable information, wherein the electronic certificate at least includes an
article attribute
with a name and an amount of money and settlement closing information with at
least one
account. The payment system 1 is used to write optional logistics support
information after
the electronic certificate is issued and deliver it to the manufacturer
terminal 2; and the
payment system 1 generates an electronic certificate which essentially
constructs an
electronic certificate that records all transactions. A preferred flow of step
S1 is shown in
Figure 3, which is a flow chart of generating and issuing the electronic
certificate provided
by the present invention. The flow chart includes the following steps:
[51] S101, the commodity provider submits a request for generating an
electronic certificate to
the manufacturer terminal 2.
[52] Preferably, the commodity provider can finish the configuration of the
article on the local
electronic terminal first, and then submit the request for generating the
electronic
certificate to the manufacturer terminal 2 again. In this way, the generated
electronic
certificate source file can be directly stored on the local electronic
terminal without being
stored in the manufacturer terminal 2 or the payment system 1, and only a
connection
signal can be provided to the manufacturer terminal 2 or the payment system 1.
[53] It is also possible to directly connect to the manufacturer's terminal
2, complete the
configuration of the item online, and then submit the request for generating
the electronic
certificate to the manufacturer's terminal 2. In addition, when the electronic
certificate is
generated online, the electronic certificate can be saved to the payment
system I directly.
When the electronic certificate is generated offline, an electronic
certificate may also be
generated for the item configuration request. The electronic certificate may
be stored
offline in a local electronic terminal.
[54] S102: the manufacturer terminal 2 receives the request and returns to
the cargo
provider-configuration page.
[55] S103: the commodity provider sets various label information of the
electronic certificate in
the configuration page, that is, sets up the fulfilment information of the
electronic
certificate, the electronic certificate at least includes the item attributes
with the name and
the amount of money, and at least one account with close billing information.
[56] S104, the manufacturer terminal 2 generates an electronic certificate
template configured
with the item information.
[57] S105. The commodity provider configures the issuer of the payment
system 1, that is,
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selects a third-party payment company within the payment system 1. The payment
system
1 can also be another platform that can support the flow of funds on the
Internet. At the
same time, the manufacturer terminal 2 delivers the payment provider l's
issuance request
to the payment system 1. This step may be completed by setting an issuance
module in the
payment system 1, and the issuance module writes the optional logistics
support
information after the issuance of the electronic certificate, generates an
electronic
certificate. and delivers the electronic certificate to the manufacturer
terminal 2.
[58] The issuing module is used to approve the payment account information
written in the
electronic certificate, and deliver the electronic certificate back to the
payment system 1.
[59] S106. the payment system 1 receives the issuance request to complete
the issuance, and
returns a P1D to the manufacturer terminal 2.
[60] The 'P1D' involved here is the port ID, which is also the 'port
number'. Normally, the P1D
consists of 8-bit port priority plus port number, port number is low, and the
default port
number priority 128.
[61] Of course, it is also possible for the commodity provider to directly
submit the request for
issuing the electronic certificate to the payment system 1, and the payment
system 1 returns
a PID to the commodity provider after confirming the identity of the commodity
provider.
It is also conceivable that the commodity provider may also submit a request
for issuing
the electronic certificate to the payment system I through the manufacturer's
terminal 2 so
as to obtain a P1D, which is also feasible.
[62] In S107, the manufacturer terminal 2 updates the state of the
electronic certificate to be
issued and synchronizes the information to the commodity provider.
[63] S108, the supplier of the commodity chooses 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, it can be an advertisement, it can be
embedded in the
APP, and so on. This step may be implemented by adding the publication port
electrically
connected to the commodity provider. and the publication port is used to
connect to the
Internet to publish the electronic certificate.
[64] S109, the payment system I issues the electronic certificate according
to the release mode.
[65] S110. the commodity provider or other Internet users can view the
released electronic
certificate via a terminal connected to the Internet.
[66] 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 as
determine the
distribution information, and deliver the request information to the payment
system 1
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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 the payment system 1
receives the
request information from the client terminal 4, the payment system 1 turns the
requested
amount into a request state and notifies the logistics terminal 3 to go to the
location of the
commodity to extract the commodity corresponding to the property of the
commodity.
[67] 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:
[68] S201: the client terminal 4 selects a payment account, and may also
select a platform for
Internet to support the flow of funds, or may be the same terminal as the
payment system 1,
so as to issue a payment request. Generally, it need to enter the
corresponding account and
password to log in to pay the account.
[69] S202: the payment system 1 receives the selection instruction,
verifies the user identity of
the client terminal 4, and returns to the client terminal 4.
[70] S203: the client terminal 4 delivers the user identity information and
confirms that the
electronic certificate is to be paid.
[71] S204: After receiving the request information of the client terminal
4, the payment system
1 requests the selected account for the sum, and transfers the requested
amount into a
request state, and notifies the logistics terminal 3 to retrieve the payment
request
corresponding to the item attribute corresponding to the commodity. the amount
of money
provided by the user of the client terminal 4. This step may be implemented by
setting a
payment module in the payment system 1. Specifically, after the payment module
receives
the request information of the client terminal 4, the requested amount is
turned into a
request status and notifies the logistics terminal 3. The commodity
corresponding to the
article attributes are extracted.
[72] S205: the payment system 1 synchronizes the contract information of
the client terminal 4
with the terminal 3 and returns a performance receipt.
[73] S206: the client terminal 4 updates the fulfilment status of the
electronic certificate
according to the fulfilment receipt.
[74] With respect to step S3, the system includes a logistics terminal 3
for directing the
commodity to move to a destination and delivering the commodity receipt
information to
the payment system l . The logistics terminal 3 is disposed inside the
logistics company so
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that the electronic certificate can be fully circulated. The logistics
terminal 3 can also be
implemented in the form of software such as APP, plug-in. Whereas, the
commodity are
moved to the destination and can be delivered to the door or other forms of
delivery.
[75] The logistics terminal 3 ensures the timely delivery of the commodity
under the monitoring
mode and effectively combines the circulation track of the commodity and the
circulation
of funds so that the rights and interests of both the buyer and the seller can
be effectively
protected.
[76] The logistics terminal 3 essentially completes the delivery process.
Referring to Figure 5,
the flowchart of the delivery item provided by the present invention
preferably includes the
following steps:
[77] S301, the logistics terminal 3 delivers the commodity to submit the
fulfilment information
and simultaneously updates the fulfilment information of the payment system I.
[78] S302: After receiving the updated performance information, the payment
system 1 returns
the notification of the performance at the same time. In this step, the
logistics company
automatically synchronizes the logistics status with the payment system 1, for
example, has
shipped, has been received. The trigger electronic certificate module delivers
out the
performance to the payment system 2, prompting the two notifications to prompt
the
payment.
[79] S303: the electronic certificate updates the fulfilment information in
the logistics terminal
3.
[80] With respect to step S4, the system includes the payment system l,
wherein the payment
system 1 is used to: after receiving the receipt information of the logistics
terminal 3,
allocate the amount of money in the request state to the payment information
corresponding to the settlement information corresponding account. The payment
system 1
here is mainly a third party payment company. Of course, it is understandable
that it is also
feasible to allocate the amount described in the requested state between the
third party
payment company and the bank.
[81] The payment system 1 can be paid after the receipt of the commodity to
complete the
transaction, the preferred process of the part is shown in Figure 6, which is
a flow chart of
the solution of the funds provided by the present invention. The process
includes the
following steps:
[82] S401: After the commodity are delivered. the user of the client
terminal 4 signs the receipt.
Generally, a pickup code issuing module and a receipt code issuing module are
set in the
payment system 1; wherein the pickup code issuing module is used to deliver a
pickup
code to the logistics terminal 3; the receipt code issuing module is used to
deliver, for
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delivering a receipt code to the client terminal 4.
[83] The client terminal 4 provides the receipt code to the distribution
terminal 3 after the load
is moved to the destination.
[84] The logistics terminal 3 includes a delivery module, a delivery module
and a receipt
module, wherein: the delivery module receives the delivery code and extracts
the
commodity corresponding to the article properties according to the delivery
code; the
delivery module guides the commodity to move to the destination; and the
receipt module
delivers the receipt information to the payment system I according to the
receipt code.
[85] 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:
[86] 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 terminal 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
commodity
information, so as to determine the receipt of the commodity; and the sign
delivering
module is used to be communicatively connected to the payment system l = and
deliver the
sign information to the payment system l. The method may further include: the
payment
system 1 includes a delivery code issuing module and a receipt code issuing
module; the
pickup code issuing module is used to deliver a pickup code to the logistics
terminal; the
receipt code issuing module is used to: deliver a receipt code to the client
terminal.
[87] In order to verify the reliability of the delivery of the logistics
company, the buyer should
receive the commodity in order to verify the identity of the buyer.
[88] Manner 2: 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 terminal 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
commodity
information, so as to determine the receipt of the commodity; and the sign
delivering
module is used to be communicatively connected to the payment system 1. and
deliver the
sign information to the payment system 1.
[89] The system further includes a signing code server communicatively
connected to the client
terminal 4; the signing code server is used to generate the signature
according to the
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request information of the signature request module, and deliver the signature
to the client
terminal 4. The signing code server and the manufacturer terminal 2 may be the
same
server, so as to perform different functions.
[90] The sign-in module includes a sign-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 receipt code confirmation module is used to generate a
receipt
confirmation message to confirm the receipt code after the commodity are
delivered to the
destination and before allocating the funds, so as to determine the receipt of
the
commodity; the sign delivering module is used to be communicatively connected
to the
payment system l and to deliver the sign information to the payment system 1.
[91] This method protects the rights and interests of both parties by
confirming that the buyer
has received the commodity from the logistics center and solves the freezing
or guarantee
funds through the receipt server.
[92] S402, after the receipt, the logistics terminal 3 synchronizes the
receipt information with
the payment system 1.
[93] S403, the payment system 1 unfreezes the funds and transfers them to
the target account or
transfers the settlement to the target account.
[94] In order to better realize an intelligent electronic certificate, the
present invention further
provides the following preferred solutions:
[95] 1) The vendor terminal 2 or the payment system 1 further includes a
countdown module.
[96] 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 commodity due to a transaction agreement.
The
countdown module ensures that items are delivered on time.
[97] 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.
[98] The contract, when the countdown to the shipment is the countdown to
the shipment, is
used to guarantee the timely delivery of the item or service; the countdown
module is
started when the payment is initiated.
[99] The contract, when the countdown to the arrival is the countdown to
the receipt, is used to
guarantee the timely arrival of the item or service when the seller begins to
ship.
[100] 2) The vendor terminal 2 or the payment system 1 further includes an
insurance module
and a public authority module.
[101] The insurance module is used to set the electronic insurance contract
information for the
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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
commodity, and pays for the loss caused by the failure of the commodity
transaction, and
the maximum guarantee of the interests of both parties.
[102] 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
information
connection. with registration, accreditation, certification functions.
[103] 3) The vendor terminal 2 or the payment system 1 further includes a
rebate module.
[104] 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.
[105] 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.
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