INTELLIGENT ELECTRONIC COMMERCE SYSTEM, AND METHOD AND DEVICE FOR IMPLEMENTING SAME

SYSTEME DE COMMERCE ELECTRONIQUE INTELLIGENT, ET PROCEDE ET DISPOSITIF PERMETTANT DE METTRE EN OEUVRE CE SYSTEME

English Abstract

Disclosed are an intelligent electronic commerce system, and a method and device for implementing same, relating to the field of Internet technology. The system comprises a manufacturer subsystem, a user subsystem, a bank subsystem, and an information bearer, wherein the information bearer transfers data information to the various subsystems in real time, and the various subsystems process the information according to respective time sequences after receiving the information transferred by the information bearer and append the data to which an instruction has been executed to the information bearer. In the present invention, the interactive dynamic relationship, the treatment, and the state of data in the commodity transaction segment, the payment segment, the logistics segment, the insurance segment, and the monitoring segment in an electronic commerce transaction are automatically handled to reduce manual intervention, thereby implementing automated business processing in business segments such as manufacturers, suppliers, banks, insurance companies, logistics companies, monitoring departments, and consumers, and implementing intelligent business logic, intelligent commodity turnover, intelligent supply chains, intelligent financial payment, and intelligent transaction monitoring.

French Abstract

L'invention concerne un système de commerce électronique intelligent, ainsi qu'un procédé et un dispositif permettant de mettre en uvre ce système, qui s'appliquent au domaine de la technologie Internet. Le système comprend un sous-système de fabricant, un sous-système d'utilisateur, un sous-système de banque et un support d'informations, le support d'informations transférant des informations de données aux divers sous-systèmes en temps réel, et les divers sous-systèmes traitant les informations selon des séquences temporelles respectives après la réception des informations transférées par le support d'informations et ajoutant les données sur lesquelles une instruction a été exécutée au support d'informations. Dans la présente invention, la relation dynamique interactive, le traitement et l'état de données dans le secteur des transactions de marchandises, le secteur des paiements, le secteur de la logistique, le secteur de l'assurance et le secteur du contrôle dans une transaction de commerce électronique sont gérés automatiquement pour réduire l'intervention manuelle, ce qui permet de réaliser un traitement d'activités automatisé dans des secteurs d'activités tels que ceux des fabricants, des fournisseurs, des banques, des compagnies d'assurance, des entreprises de logistique, des services de contrôle et des consommateurs, et de mettre en uvre une logique d'activités intelligente, une rotation de marchandises intelligente, des chaînes d'approvisionnement intelligentes, un paiement intelligent et un contrôle de transactions intelligent.

Claims

Claims:
1. An intelligent electronic commerce system comprising:
an information carrier configured to:
provide an interactive operation to a user;
execute a corresponding operation instruction; and
transmit data information to any one of a manufacturer subsystem, a user
subsystem and a bank subsystem in real time;
the manufacturer subsystem, the user subsystem, and the bank subsystem
configured to:
process the data information according to respective sequences after receiving

the data information delivered by the information carrier; and
execute, according to a processing result, at the same time, the data
information
after an execution instruction is attached to the information carrier;
the bank subsystem configured to:
receive payment request information transmitted by a bank electronic
certificate to
confirm the payment request infomiation;
freeze the payment amount corresponding to the bank electronic certificate in
a
payer's account;
attach prepayment receipt information to the bank electronic certificate;
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compare the payee information and the order information to check whether the
payee information in transaction confirmation information is matched with the
payee information in the payment request information and the order information
in
the transaction confirmation information is matched with the order information
in
the payment request information after receiving the transaction confirmation
information transmitted by the bank electronic certificate;
where if matches are successful, attach certificate receipt information into
the bank
electronic certificate;
unfreeze and transfer the frozen payment amount in the payer's account to a
payee's
account, after receiving the certificate receipt information; and
attach payment receipt information into the bank electronic certificate.
2. The system of claim 1, wherein the information carrier includes a commodity
electronic
certificate.
3. The system of any one of claims 1 to 2, wherein the information carrier
includes the bank
electronic certificate.
4. The system of any one of claims 1 to 3, wherein the information carrier
includes an insurance
electronic certificate.
5. The system of claim 2, wherein the commodity electronic certificate is
generated by the
manufacturer subsystem.
6. The system of any one of claims 2 and 5, wherein the commodity electronic
certificate
includes product information.
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7. The system of any one of claims 2 and 5 to 6, wherein the commodity
electronic certificate
includes payment information.
8. The system of any one of claims 2 and 5 to 7, wherein the commodity
electronic certificate
includes trading rules.
9. The system of any one of claims 2 and 5 to 8, wherein the commodity
electronic certificate
includes operating instructions.
10. The system of any one of claims 2 and 5 to 9, wherein the commodity
electronic certificate
includes a user interface.
11. The system of any one of claims 2 and 5 to 10, wherein the commodity
electronic certificate
includes dynamic data.
12. The system of any one of claims 2 to 11, wherein the manufacturer
subsystem is further
configured to:
encapsulate the product information, the payment information, the trading
rules, the
operation instructions, and the user interface to generate a commodity
electronic
certificate; and
publish the commodity electronic certificate to an entire domain;
acquire transaction information from the commodity electronic certificate and
the bank
electronic certificate;
affix transaction confirmation information into the bank electronic
certificate after
confirming the transaction information;
deliver a commodity according to the commodity electronic certificate and the
bank
electronic certificate; and
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attach shipment information to the commodity electronic certificate.
13. The system of claim 3, wherein the bank electronic certificate is
generated by the bank
subsystem.
14. The system of any one of claims 3 and 13, wherein the bank electronic
certificate includes
payer information.
15. The system of any one of claims 3 and 13 to 14, wherein the bank
electronic certificate
includes payee infomiation.
16. The system of any one of claims 3 and 13 to 15, wherein the bank
electronic certificate
includes a payment amount.
17. The system of any one of claims 3 and 13 to 16, wherein the bank
electronic certificate
includes payment rules.
18. The system of any one of claims 3 and 13 to 17, wherein the bank
electronic certificate
includes transaction information.
19. The system of any one of claims 3 and 13 to 18, wherein the bank
electronic certificate
includes operation instructions.
20. The system of any one of claims 3 and 13 to 19, wherein the bank
electronic certificate
includes a user interface.
21. The system of any one of claims 3 and 13 to 20, wherein the bank
electronic certificate
includes dynamic data.
22. The system of any one of claims 2 to 4, wherein the user subsystem is
configured to:
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acquire the commodity electronic certificate to perform a purchase /
distribution
operation on the commodity electronic certificate; and
add purchase / distribution information and payment request infonnation into
the
commodity electronic certificate;
attach the payment request information into the bank electronic certificate;
wherein the
payment request includes order information, the payer information, the payee
information and the payment amount; and
add receipt information into the commodity electronic certificate and the bank
electronic
certificate after a user receives the commodity successfully.
23. The system of claim 1, wherein the manufacturer subsystem is further
configured to:
generate logistics information according to commodity attributes;
add the logistics information into the commodity electronic certificate;
24. The system of claim 23, wherein the logistics information includes
commodity information.
25. The system of any one of claims 23 to 24, wherein the logistics
information includes a
delivery address.
26. The system of any one of claims 23 to 25, wherein the logistics
information includes a
consignee.
27. The system of any one of claims 23 to 26, wherein the logistics
information includes a
consignee's address.
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28. The system of any one of claims 1 and 23 to 27, wherein the manufacturer
subsystem is
further configured to:
generate a pick-up code of a carrier when the commodity is shipped; and
attach the pick-up code into the commodity electronic certificate.
29. The system of claim 1 further includes a logistics subsystem.
30. The system of claim 29, wherein the logistics subsystem is configured to
receive the logistics
information and the pick-up code delivered by the information carrier.
31. The system of any one of claims 23 to 30, wherein the logistics subsystem
is further
configured to:
generate a pick-up code for receiving the commodity; and
attach the pick-up code for receiving the commodity to the information
carrier.
32. The system of claim 1 further includes an insurance subsystem.
33. The system of claim 32, wherein the insurance subsystem is configured to
receive the
insurance electronic certificate transmitted by the information carrier.
34. The system of claim 33, wherein the insurance electronic certificate is
generated by the
manufacturer subsystem.
35. The system of any one of claims 33 to 34, wherein the insurance electronic
certificate
includes an insuring party.
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36. The system of any one of claims 33 to 35, wherein the insurance electronic
certificate
includes a beneficiary.
37. The system of any one of claims 33 to 34, wherein the insurance electronic
certificate
includes an insured amount.
38. The system of any one of claims 33 to 37, wherein the insurance electronic
certificate
includes an insuring method.
39. The system of any one of claims 33 to 38, wherein the insurance electronic
certificate
includes claims rules.
40. The system of any one of claims 33 to 39, wherein the insurance electronic
certificate
includes the operating instructions.
41. The system of any one of claims 33 to 40, wherein the insurance electronic
certificate
includes the user interface.
42. The system of any one of claims 33 to 41, wherein the insurance electronic
certificate
includes the dynamic data.
43. The system of any one of claims 33 to 42, wherein the insurance subsystem
is further
configured to:
match the information in the information carrier to calculate claims after
receiving claim
information in the insurance electronic certificate; and
add a claim result into the insurance electronic certificate.
44. The system of claim 43, wherein the claim information is attached to the
insurance electronic
certificate by the user subsystem.
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45. The system of claim 1, wherein the manufacturer subsystem is further
configured to:
determine whether an inventory is sufficient; and
where if the inventory is insufficient, generate raw material purchase
information and
attach the raw material purchase information to the commodity electronic
certificate.
46. The system of claim 1 further includes a supplier subsystem.
47. The system of claim 46, wherein the supplier subsystem is further
configured to:
receive the raw material purchase information delivered by the information
carrier;
attach the raw material purchase information into the information carrier; and
provide a supplier to the manufacturer subsystem according to the raw material
purchase
information.
48. The system of any one of claims 2 to 4, wherein the manufacturer subsystem
is further
configured to:
after receiving the payment receipt information delivered by the bank
electronic
certificate, attach the transaction receipt information into the commodity
electronic
certificate to generate an after-sale electronic certificate according to the
commodity
electronic certificate; and
after receiving after-sale service information transmitted by the after-sale
electronic
certificate, deliver the after-sale service information to a manufacturer.
49. The system of claim 48, wherein the user subsystem is further configured
to:
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receive after-sale service information submitted by the user according to a
user's
requirement; and
attach the after-sale service information into the after-sale electronic
certificate.
50. The system of any one of claims 1 to 11 further includes a regulatory
subsystem.
51. The system of claim 50, wherein the regulatory subsystem is configured to:
receive instructions executed by the manufacturer subsystem, the user
subsystem, the
bank subsystem, the logistics subsystem, the insurance subsystem, and / or the
supplier
subsystem; and
acquire relevant data information from the commodity electronic certificate,
the bank
credit electronic certificate, and / or the insurance electronic certificate.
52. An intelligent electronic commerce method comprising:
a manufacturer subsystem encapsulating product infomiation, payment
infomiation,
trading rules, operation instructions, and a user interface to generate a
commodity
electronic certificate; and
a manufacturer subsystem publishing a commodity electronic certificate to an
entire
domain;
a user subsystem acquiring the commodity electronic certificate to perform a
purchase /
distribution operation on the commodity electronic certificate;
the user subsystem adding purchase / distribution information and payment
request
information into the commodity electronic certificate;
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the user subsystem attaching the payment request information into a bank
electronic
certificate; wherein the payment request includes order information, payer
information,
payee information and a payment amount;
a bank subsystem receiving the payment request information transmitted by the
bank
electronic certificate to confirm the payment request information;
the bank subsystem freezing the payment amount corresponding to the bank
electronic
certificate in a payer's account;
the bank subsystem attaching prepayment receipt information to the bank
electronic
certificate;
the manufacturer subsystem acquiring transaction information from the
commodity
electronic certificate and the bank electronic certificate;
the manufacturer subsystem affixing transaction confirmation information into
the bank
electronic certificate after confirming the transaction information;
the bank subsystem comparing the payee information and the order information
to check
whether the payee information in transaction confirmation information is
matched with
the payee information in the payment request information and the order
information in
the transaction confirmation information is matched with the order information
in the
payment request information after receiving the transaction confirmation
information
transmitted by the bank electronic certificate;
where if matches are successful, the bank subsystem attaches certificate
receipt
information into the bank electronic certificate;
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the manufacturer subsystem delivering a commodity according to the commodity
electronic certificate and the bank electronic certificate;
the manufacturer subsystem attaching shipment information to the commodity
electronic
certificate;
the user subsystem adding receipt information into the commodity electronic
certificate
and the bank electronic certificate after a user receives the commodity
successfully;
the bank subsystem unfreezing and transferring the frozen payment amount in
the payer's
account to a payee's account, after receiving the certificate receipt
information; and
the bank subsystem attaching payment receipt information into the bank
electronic
certificate.
53. The method of claim 52, wherein the commodity electronic certificate is
generated by the
manufacturer subsystem.
54. The method of claim 52, wherein the bank electronic certificate is
generated by the bank
subsystem.
55. The method of any one of claims 52 and 54, wherein the bank electronic
certificate includes
the payer information.
56. The method of any one of claims 52 and 54 to 55, wherein the bank
electronic certificate
includes the payee information.
57. The method of any one of claims 52 and 54 to 56, wherein the bank
electronic certificate
includes the payment amount.
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58. The method of any one of claims 52 and 54 to 57, wherein the bank
electronic certificate
includes payment rules.
59. The method of any one of claims 52 and 54 to 58, wherein the bank
electronic certificate
includes the transaction information.
60. The method of any one of claims 52 and 54 to 59, wherein the bank
electronic certificate
includes the operation instructions.
61. The method of any one of claims 52 and 54 to 60, wherein the bank
electronic certificate
includes the user interface.
62. The method of any one of claims 52 and 54 to 61, wherein the bank
electronic certificate
includes dynamic data.
63. The method of claim 52 further includes:
the manufacturer subsystem generating logistics information according to
commodity
attributes;
the manufacturer subsystem adding the logistics information into the commodity

electronic certificate;
the manufacturer subsystem generating a pick-up code of a carrier when the
commodity
is shipped; and
the manufacturer subsystem attaching the pick-up code into the commodity
electronic
certificate.
64. The method of claim 63, wherein the logistics information includes
commodity information.
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65. The method of any one of claims 63 to 64, wherein the logistics
information includes a
delivery address.
66. The method of any one of claims 63 to 65, wherein the logistics
information includes a
consignee.
67. The method of any one of claims 63 to 66, wherein the logistics
information includes a
consignee's address.
68. The method of claim 63 further includes:
a logistics subsystem receiving the logistics information and the pick-up code
delivered
by the information carrier;
the logistics subsystem generating a pick-up code for receiving the commodity;
and
the logistics subsystem attaching the pick-up code for receiving the commodity
to the
information carrier.
69. The method of claim 67 further includes:
the user subsystem comparing the pick-up code input by the user with the pick-
up code
for receiving the commodity stored in the commodity electronic certificate;
and
the user subsystem receiving the commodity after a comparison result of the
pick-up
codes is successful matched.
70. The method of claim 52 further includes the manufacturer subsystem
generating an insurance
electronic certificate according to the commodity electronic certificate.
71. The method of claim 70, wherein the insurance electronic certificate
includes an insuring
party.
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72. The method of any one of claims 70 to 71, wherein the insurance electronic
certificate
includes a beneficiary.
73. The method of any one of claims 70 to 72, wherein the insurance electronic
certificate
includes an insured amount.
74. The method of any one of claims 70 to 73, wherein the insurance electronic
certificate
includes an insuring method.
75. The method of any one of claims 70 to 74, wherein the insurance electronic
certificate
includes claims rules.
76. The method of any one of claims 70 to 75, wherein the insurance electronic
certificate
includes the operating instructions.
77. The method of any one of claims 70 to 76, wherein the insurance electronic
certificate
includes the user interface.
78. The method of any one of claims 70 to 77, wherein the insurance electronic
certificate
includes the dynamic data.
79. The method of any one of claims 70 to 78 further includes:
the insurance subsystem matching information in an information carrier to
calculate
claims after receiving claim information in the insurance electronic
certificate; and
the insurance subsystem adding a claim result into the insurance electronic
certificate.
80. The method of claim 79, wherein the claim information is attached to the
insurance
electronic certificate by the user subsystem.
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81. The method of claim 52 further includes:
the manufacturer subsystem determining whether an inventory is sufficient; and
where if the inventory is insufficient, the manufacturer subsystem generating
raw
material purchase information and attaching the raw material purchase
information to the
commodity electronic certificate.
82. The method of claim 52 further includes:
the supplier subsystem receiving raw material purchase information delivered
by the
information carrier; and
the supplier subsystem attaching the raw material purchase information into
the
information carrier.
83. The method of claim 52 further includes:
the manufacturer subsystem, after receiving the payment receipt information
delivered by
the bank electronic certificate, attaching the transaction receipt information
into the
commodity electronic certificate to generate an after-sale electronic
certificate according
to the commodity electronic certificate; and
after receiving after-sale service information transmitted by the after-sale
electronic
certificate, deliver the after-sale service information to a manufacturer.
84. The method of claim 52 further includes:
the user subsystem receiving after-sale service information submitted by the
user
according to a user's requirement; and
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the user subsystem attaching the after-sale service information into the after-
sale
electronic certificate.
85. The method of claim 52 further includes:
the regulatory subsystem receiving instructions executed by the manufacturer
subsystem,
the user subsystem, the bank subsystem, the logistics subsystem, the insurance

subsystem, and / or the supplier subsystem; and
the regulatory subsystem acquiring relevant data information from the
commodity
electronic certificate, the bank credit electronic certificate, and / or the
insurance
electronic certificate.
86. An intelligent electronic commerce method, the method comprising:
receiving payment request information transmitted by a bank electronic
certificate to
confirm the payment request information;
freezing a payment amount corresponding to the bank electronic certificate in
a payer's
account;
attaching prepayment receipt information to the bank electronic certificate;
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comparing payee information and order information to check whether the payee
information in transaction confirmation information is matched with the payee
information in the payment request information and the order information in
the
transaction confirmation information is matched with the order information in
the
payment request information after receiving the transaction confirmation
information
transmitted by the bank electronic certificate;
where if matches are successful, attaching certificate receipt information
into the bank
electronic certificate;
unfreezing and transferring the frozen payment amount in the payer's account
to a
payee's account, after receiving certificate receipt information; and
attaching payment receipt information into the bank electronic certificate.
87. The method of claim 86, wherein the bank electronic certificate is
generated by the bank
subsystem.
88. The method of any one of claims 86 to 87, wherein the bank electronic
certificate includes
payer information.
89. The method of any one of claims 86 to 88, wherein the bank electronic
certificate includes
payee information.
90. The method of any one of claims 86 to 89, wherein the bank electronic
certificate includes
the payment amount.
91. The method of any one of claims 86 to 90, wherein the bank electronic
certificate includes
payment rules.
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92. The method of any one of claims 86 to 91, wherein the bank electronic
certificate includes
transaction information.
93. The method of any one of claims 86 to 92, wherein the bank electronic
certificate includes
operation instructions.
94. The method of any one of claims 86 to 93, wherein the bank electronic
certificate includes a
user interface.
95. The method of any one of claims 86 to 94, wherein the bank electronic
certificate includes
dynamic data.
96. An intelligent electronic commerce implementation device, the device
comprising:
an issuing module configured to:
receive payment request information transmitted by a bank electronic
certificate to confirm the payment request information;
freeze a payment amount corresponding to the bank electronic certificate in a
payer's account; and
attach prepayment receipt information to the bank electronic certificate;
a receiving module configured to:
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compare payee information and order information to check whether the payee
information in transaction confirmation information is matched with the payee
information in the payment request information and the order information in
the transaction confirmation information is matched with the order information

in the payment request information after receiving the transaction
confirmation
information transmitted by the bank electronic certificate;
where if matches are successful, attach certificate receipt information into
the
bank electronic certificate;
a settlement module configured to:
unfreeze and transfer the frozen payment amount in the payer's account to a
payee's account, after receiving certificate receipt information; and
attach payment receipt information into the bank electronic certificate.
97. The device of claim 96, wherein the bank electronic certificate is
generated by the bank
subsystem.
98. The device of any one of claims 96 to 97, wherein the bank electronic
certificate includes
payer information.
99. The device of any one of claims 96 to 98, wherein the bank electronic
certificate includes
payee information.
100.The device of any one of claims 96 to 99, wherein the bank electronic
certificate includes the
payment amount.
101.The device of any one of claims 96 to 100, wherein the bank electronic
certificate includes
payment rules.
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102.The device of any one of claims 96 to 101, wherein the bank electronic
certificate includes
the transaction information.
103.The device of any one of claims 96 to 102, wherein the bank electronic
certificate includes
operation instructions.
104.The device of any one of claims 96 to 103, wherein the bank electronic
certificate includes a
user interface.
105.The device of any one of claims 96 to 104, wherein the bank electronic
certificate includes
dynamic data.
106. An intelligent electronic commerce system comprising:
an information carrier configured to:
provide an interactive operation to a user;
execute a corresponding operation instruction; and
transmit data information to any one of a manufacturer subsystem, a user
subsystem and a bank subsystem in real time;
the manufacturer subsystem, the user subsystem, and the bank subsystem
configured to:
process the data information according to respective sequences after receiving
the
data information delivered by the information carrier; and
execute, according to a processing result, at the same time, the data
information
after an execution instruction is attached to the information carrier.
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the user subsystem configured to:
acquire a commodity electronic certificate to perform a purchase /
distribution operation
on the commodity electronic certificate; and
add purchase / distribution information and payment request information into
the
commodity electronic certificate;
attach the payment request information into a bank electronic certificate;
wherein the
payment request includes order information, the payer information, the payee
information and the payment amount; and
add receipt information into the commodity electronic certificate and the bank
electronic
certificate after a user receives the commodity successfully.
107.The system of claim 106, wherein the information carrier includes the
commodity electronic
certificate.
108.The system of any one of claims 106 to 107, wherein the information
carrier includes the
bank electronic certificate.
109.The system of any one of claims 106 to 108, wherein the information
carrier includes an
insurance electronic certificate.
110.The system of claim 107, wherein the commodity electronic certificate is
generated by the
manufacturer subsystem.
111.The system of any one of claims 107 and 110, wherein the commodity
electronic certificate
includes product information.
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112.The system of any one of claims 107 and 110 to 111, wherein the commodity
electronic
certificate includes payment information.
113.The system of any one of claims 107 and 110 to 112, wherein the commodity
electronic
certificate includes trading rules.
114.The system of any one of claims 107 and 110 to 113, wherein the commodity
electronic
certificate includes operating instructions.
115.The system of any one of claims 107 and 110 to 114, wherein the commodity
electronic
certificate includes a user interface.
116.The system of any one of claims 106 and 110 to 116, wherein the commodity
electronic
certificate includes dynamic data.
117.The system of any one of claims 106 to 116, wherein the manufacturer
subsystem is further
configured to:
encapsulate the product information, the payment information, the trading
rules, the
operation instructions, and the user interface to generate a commodity
electronic
certificate; and
publish the commodity electronic certificate to an entire domain;
acquire transaction information from the commodity electronic certificate and
the bank
electronic certificate;
affix transaction confirmation information into the bank electronic
certificate after
confirming the transaction information;
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deliver a commodity according to the commodity electronic certificate and the
bank
electronic certificate; and
attach shipment information to the commodity electronic certificate.
118.The system of claim 108, wherein the bank electronic certificate is
generated by the bank
subsystem.
119.The system of any one of claims 108 and 118, wherein the bank electronic
certificate
includes payer information.
120.The system of any one of claims 108 and 118 to 119, wherein the bank
electronic certificate
includes payee infomiation.
121.The system of any one of claims 108 and 118 to 120, wherein the bank
electronic certificate
includes a payment amount.
122.The system of any one of claims 108 and 118 to 121, wherein the bank
electronic certificate
includes payment rules.
123.The system of any one of claims 108 and 118 to 122, wherein the bank
electronic certificate
includes transaction information.
124.The system of any one of claims 108 and 118 to 123, wherein the bank
electronic certificate
includes operation instructions.
125.The system of any one of claims 108 and 118 to 124, wherein the bank
electronic certificate
includes a user interface.
126.The system of any one of claims 108 and 118 to 125, wherein the bank
electronic certificate
includes dynamic data.
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127.The system of any one of claims 106 to 126, wherein the bank subsystem is
further
configured to:
receive the payment request information transmitted by the bank electronic
certificate to
confirm the payment request information;
freeze the payment amount corresponding to the bank electronic certificate in
a payer's
account;
attach prepayment receipt information to the bank electronic certificate;
compare the payee information and the order information to check whether the
payee
information in transaction confirmation information is matched with the payee
information in the payment request information and the order information in
the
transaction confirmation information is matched with the order information in
the
payment request information after receiving the transaction confirmation
information
transmitted by the bank electronic certificate;
where if matches are successful, attach certificate receipt information into
the bank electronic
certificate.
unfreeze and transfer the frozen payment amount in the payer's account to a
payee's account,
after receiving the certificate receipt information; and
attach payment receipt information into the bank electronic certificate.
128.The system of claim 106, wherein the manufacturer subsystem is further
configured to:
generate logistics information according to commodity attributes;
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add the logistics information into the commodity electronic certificate;
129.The system of claim 128, wherein the logistics information includes
commodity information.
130.The system of any one of claims 128 to 129, wherein the logistics
information includes a
delivery address.
131.The system of any one of claims 128 to 130, wherein the logistics
information includes a
consignee.
132.The system of any one of claims 128 to 131, wherein the logistics
information includes a
consignee's address.
133.The system of any one of claims 106 and 128 to 132, wherein the
manufacturer subsystem is
further configured to:
generate a pick-up code of a carrier when the commodity is shipped; and
attach the pick-up code into the commodity electronic certificate.
134.The system of claim 106 further includes a logistics subsystem.
135.The system of claim 134, wherein the logistics subsystem is configured to
receive the
logistics information and the pick-up code delivered by the information
carrier.
136.The system of any one of claims 128 to 135, wherein the logistics
subsystem is further
configured to:
generate a pick-up code for receiving the commodity; and
attach the pick-up code for receiving the commodity to the information
carrier.
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137.The system of claim 106 further includes an insurance subsystem.
138.The system of claim 137, wherein the insurance subsystem is configured to
receive the
insurance electronic certificate transmitted by the information carrier.
139.The system of claim 138, wherein the insurance electronic certificate is
generated by the
manufacturer subsystem.
140.The system of any one of claims 138 to 139, wherein the insurance
electronic certificate
includes an insuring party.
141.The system of any one of claims 138 to 140, wherein the insurance
electronic certificate
includes a beneficiary.
142.The system of any one of claims 138 to 139, wherein the insurance
electronic certificate
includes an insured amount.
143.The system of any one of claims 138 to 142, wherein the insurance
electronic certificate
includes an insuring method.
144.The system of any one of claims 138 to 143, wherein the insurance
electronic certificate
includes claims rules.
145.The system of any one of claims 138 to 144, wherein the insurance
electronic certificate
includes the operating instructions.
146.The system of any one of claims 138 to 145, wherein the insurance
electronic certificate
includes the user interface.
59
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147.The system of any one of claims 138 to 146, wherein the insurance
electronic certificate
includes the dynamic data.
148.The system of any one of claims 138 to 147, wherein the insurance
subsystem is further
configured to:
match the information in the information carrier to calculate claims after
receiving claim
information in the insurance electronic certificate; and
add a claim result into the insurance electronic certificate.
149.The system of claim 148, wherein the claim information is attached to the
insurance
electronic certificate by the user subsystem.
150.The system of claim 106, wherein the manufacturer subsystem is further
configured to:
determine whether an inventory is sufficient; and
where if the inventory is insufficient, generate raw material purchase
information and attach
the raw material purchase information to the commodity electronic certificate.
151.The system of claim 106 further includes a supplier subsystem.
152.The system of claim 151, wherein the supplier subsystem is further
configured to:
receive the raw material purchase information delivered by the information
carrier;
attach the raw material purchase information into the information carrier; and
provide a supplier to the manufacturer subsystem according to the raw material
purchase
information.
Date Recue/Date Received 2021-07-13

153.The system of any one of claims 107 to 109, wherein the manufacturer
subsystem is further
configured to:
after receiving the payment receipt information delivered by the bank
electronic certificate,
attach the transaction receipt information into the commodity electronic
certificate to
generate an after-sale electronic certificate according to the commodity
electronic
certificate; and
after receiving after-sale service information transmitted by the after-sale
electronic
certificate, deliver the after-sale service information to a manufacturer.
154.The system of claim 153, wherein the user subsystem is further configured
to:
receive after-sale service information submitted by the user according to a
user's requirement;
and
attach the after-sale service information into the after-sale electronic
certificate.
155.The system of any one of claims 106 to 116 further includes a regulatory
subsystem.
156.The system of claim 155, wherein the regulatory subsystem is configured
to:
receive instructions executed by the manufacturer subsystem, the user
subsystem, the bank
subsystem, the logistics subsystem, the insurance subsystem, and / or the
supplier
subsystem; and
acquire relevant data information from the commodity electronic certificate,
the bank credit
electronic certificate, and / or the insurance electronic certificate.
61
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Description

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Title: Intelligent Electronic Commerce System, And Method And Device
For Implementing Same
Technical Field
[0001] The present invention relates to the field of Internet technology, and
in particular, to an
intelligent electronic commerce system and a method and device for
implementing the
same.
Background Technology
[0002] At present, the development of E-commerce is increasingly mature, but
also into people's
daily lives, E-commerce platform has made great contribution to the
development of
E-commerce. The existing E-commerce platform generally adopts the platform
technology
structure, and the commodity trading is completed on the E-commerce platform.
The
transaction payment methods all adopt the third-party payment mode. The links
such as the
logistics and distribution are completed by the third-party logistics
companies online. The
platform itself does not include logistics services, only data logging
capabilities and so on.
With the development of smart phones, mobile providers (also referred to as
micro-E-commerce providers) are also in a flourishing stage. The technical
structure of
mobile E-commerce providers is basically the same as that of E-commerce
platforms. The
business models include C2C and B2C.
[0003] The existing platform E-commerce main drawbacks are as follows: The
platform technical
architecture is a relatively closed system, which can't be traded after being
separated from
the platform; the E-commerce system with platform technology has limitations.
The source
and authenticity of the commodity cannot be tracked, monitored and identified,
and cannot
be traced to the source; the manufacturer cannot effectively use the large
data of the
E-commerce platform to carry out the production plan; the third-party
guarantee payment
model has the existence of depositing bank funds and financial risks. The data
of
commodity trading link, payment link, logistics link, insurance link,
supervision link and
other links of existing platform E-commerce can't be shared, can't be matched
automatically, and intelligence is low.
Technical problem
[0004] In view of this, the technical problem to be solved by the invention is
to provide an
intelligent electronic commerce system and its implementation method and
device, so as to
solve the technical problems that the existing E-commerce cannot be separated
from the
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platform and is not intelligent enough.
Solution technology of the problem
Solution
[0005] The technical solution of the present invention to solve the above-
mentioned technical
problems is as follows:
[0006] According to one aspect of the present invention, there is provided an
intelligent electronic
commerce system including a manufacturer subsystem, a user subsystem, a bank
subsystem, and an information carrier, wherein:
[0007] The information carrier is used to provide users with interactive
operations, and execute the
corresponding operating instructions; it is set to transmit data information
to the vendor
subsystem, user subsystem and banking subsystem in real time;
[0008] The manufacturer subsystem, the user subsystem, and the bank subsystem
are all set to:
after receiving the information conveyed by the information carrier, process
the
information according to the respective timing, and execute the instructions
of the present
subsystem from the processing result, and the data after the execution of the
instruction is
attached to the information carrier.
[0009] Including commodity electronic certificate, bank credit electronic
certificate and / or
insurance electronic certificate. Product electronic certificate is generated
by the
manufacturer subsystem. The commodity electronic certificate includes:
commodity
information, payment information, trading rules, operation instructions, user
interface, and
dynamic data. The electronic certificate of the bank is generated by the bank
subsystem.
The electronic certificate of the bank includes: payment information, payee
information,
payment amount, payment rules, transaction information, operation
instructions, user
interaction interface and dynamic data.
[0010] According to another aspect of the present invention, a method for
implementing
intelligent electronic commerce is provided, which includes:
[0011] The vendor subsystem encapsulates commodity information, payment
information, trading
rules, operation instructions, and user interaction interface to generate the
commodity
electronic certificate and publishes the commodity electronic certificate to
the entire
domain;
[0012] The user subsystem acquires the commodity electronic certificate,
performs the purchase /
distribution operation on the commodity electronic certificate, attaches the
purchase /
distribution information and the payment request information to the commodity
electronic
certificate, and attaches the payment request to the bank electronic
certificate; payment
request information includes order information, payer information, payee
information,
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payment amount;
[0013] The banking subsystem receives the payment request information passed
in the bank's
electronic credit certificate, confirms the payment request information,
freezes the payment
amount corresponding to the bank electronic user certificate in the payer's
account, and the
pre-payment success information is attached to the bank credit electronic
certificate;
[0014] The manufacturer subsystem obtains the transaction information from the
commodity
electronic certificate and the bank electronic certificate and confirms the
transaction, and
adds the transaction confirmation information to the bank's electronic
certificate;
[0015] After receiving the transaction confirmation information transmitted by
the bank electronic
device, the bank subsystem will compare the payee information in the
transaction
confirmation information with the payee information in the payment request
information,
the order information of the transaction confirmation information and the
payment request
information in the order information for comparison, if the match is
successful, then the
certificate of success information is appended to the bank credit electronic
certificate;
[0016] The manufacturer subsystem makes the delivery according to the
information of the
commodity electronic certificate and the bank credit electronic certificate,
and the shipping
information is attached to the commodity electronic certificate;
[0017] After the user receives the commodity, the user subsystem attaches the
successful
information to the commodity electronic certificate and the bank credit
electronic
certificate;
[0018] After the bank subsystem receives the receiving success information,
the bank subsystem
unfreezes the amount frozen in the payer's account and transfers the payment
amount to the
payee's account, and attaches the payment success information to the bank's
electronic
certificate.
[0019] According to another aspect of the present invention, a method for
implementing
intelligent electronic commerce is provided, which is applied to a
manufacturer subsystem.
The method includes:
[0020] The vendor subsystem encapsulates commodity information, payment
information, trading
rules, operation instructions, and user interaction interface to generate the
commodity
electronic certificate and publishes the commodity electronic certificate to
the entire
domain;
[0021] After obtaining the transaction information from the electronic
certificate of commodity
and the electronic credit certificate of the bank, and confirming the
transaction, attaching
transaction confirmation information to the electronic credit certificate of
the bank to
transfer the transaction information to the banking subsystem by the
electronic credit
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certificate of the bank;
[0022] According to the commodity electronic certificate and bank credit
electronic certificate
information for delivery, and shipping information attached to the commodity
electronic
certificate.
[0023] According to another aspect of the present invention, a method for
implementing
intelligent electronic commerce is provided, which is applied to a
manufacturer subsystem.
The method includes;
[0024] The user subsystem acquires the commodity electronic certificate,
performs the purchase /
distribution operation on the commodity electronic certificate, attaches the
purchase /
distribution information and the payment request information to the commodity
electronic
certificate, and attaches the payment request to the bank electronic
certificate; payment
request information includes order information, payer information, payee
information,
payment amount;
[0025] After the user receives the commodity, the user subsystem attaches the
successful
information to the commodity electronic certificate and the bank credit
electronic
certificate.
[0026] According to another aspect of the present invention, a method for
implementing
intelligent electronic commerce is provided, which is applied to a
manufacturer subsystem.
The method includes;
[0027] The banking subsystem receives the payment request information passed
in the bank's
electronic credit certificate, confirms the payment request information,
freezes the payment
amount corresponding to the bank electronic user certificate in the payer's
account, and the
pre-payment success information is attached to the bank credit electronic
certificate;
[0028] After receiving the transaction confirmation information transmitted by
the bank electronic
device, compare the payee information in the transaction confirmation
information with the
payee information in the payment request information, the order information of
the
transaction confirmation information and the payment request information in
the order
information for comparison, if the match is successful, then the certificate
of success
information is appended to the bank credit electronic certificate;
[0029] After receiving the receipt of success information received from the
bank electronic credit
certificate, the payment amount frozen in the payer account is unfrozen and
allocated to the
payee account, and the payment success information is appended to the bank
electronic
credit certificate.
[0030] According to another aspect of the present invention, a method for
implementing
intelligent electronic commerce is provided, which is applied to a
manufacturer subsystem.
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The device includes:
[0031] A generating module is used to encapsulate commodity information,
payment information,
trading rules and operation instructions, and generate a commodity electronic
certificate by
a user interaction interface;
[0032] Release module is set to publish the commodity electronic certificate
to the entire domain;
[0033] The transaction confirmation module is used to obtain the transaction
information from the
electronic certificate of commodity and the electronic credit certificate of
the bank, and
confirming the transaction, attaching transaction confirmation information to
the electronic
credit certificate of the bank to transfer the transaction information to the
banking
subsystem by the electronic credit certificate of the bank;
[0034] Delivery module is set up to deliver commodity according to the
information of the
commodity electronic certificate and the bank credit electronic certificate,
and the shipping
information is attached to the commodity electronic certificate.
[0035] According to another aspect of the present invention, it is provided a
smart E-commerce
implementation device applied to a user sub-system, including:
[0036] The operation module is used to obtain the commodity electronic
certificate and perform
the purchase / distribution operation on the commodity electronic certificate;
[0037] A pre-payment module is used to attach purchase / distribution
information and payment
request information to a commodity electronic certificate; attach the payment
request to a
bank electronic certificate; payment request information includes order
information, payer
information, payment information, payment amount;
[0038] The receiving module is set up to attach the success information to the
commodity
electronic certificate and the bank credit electronic certificate after the
user receives the
commodity.
[0039] According to another aspect of the present invention, it is provided an
intelligent electronic
commerce implementation device, applied to a bank subsystem, the device
including:
[0040] The issuing module is used to receive the payment request information
passed in the bank
electronic credit certificate, confirm the payment request information, and
freeze the
payment amount corresponding to the bank credit electronic certificate in the
payer
account, and attach the prepayment success information to bank credit;
[0041] The receiving module is used to receive, after receiving the
transaction confirmation
information transmitted by the bank electronic credit certificate, the payee
information and
the payee information in the payment request information, the order
information of the
transaction confirmation information in the transaction confirmation
information and order
information in the payment request information for comparison, and if the
matching is

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successful, appending the information of receiving a certificate of success to
a bank
electronic credit certificate;
[0042] The settlement module is used to, after receiving the receipt success
information
transmitted by the bank electronic credit certificate, unfreeze and allocate
the frozen
payment amount in the payer account to the payee account, and attach the
payment success
information to the bank credit electronic certificate.
The beneficial effect of the invention
Beneficial effect
[0043] The present invention provides an intelligent electronic commerce
system and its
implementation method and device, through the direct conduct of commodity
activities on
the information carrier, without relying on the platform technology
architecture, and the
entire record of commodity transaction information, it can prevent the
counterfeit source,
ensure that consumers purchase the genuine products, and realize the platform
based
intelligent transaction mode that is directly supplied by the entire domain
providers, so as
to protect the interests of vendors and consumers.
[0044] Second, through the use of bank credit electronic certificate for
payment operations, since
the payment is frozen in the buyer's account, the funds is transferred to the
seller after the
arrival of the commodity. The entire transaction proceeds only in the account
of the buyer
and the seller, it not on the third party account, it solves the defects of
the existing third
party payment for the existence of the funds for the existence of the deposit
of the bank and
put an end to the financial risk.
[0045] In addition, through the integration of commodity trading links,
payment links, logistics
links, insurance links and regulatory systems, the whole process is completed
automatically, without manual intervention, so as to ensure various
vulnerabilities in the
transaction process, and realize the intelligent E-commerce system that the
whole network
vendors directly supply platform to trade mode, which improves the safety and
efficiency
of commodity trading.
[0046] The E-commerce transactions among the commodity transaction, payment,
logistics,
insurance, regulatory links and other data between the dynamic relationship
between the
processing and status of automatic processing, reduce manual intervention, and
realize the
automated business processing of business links such as manufacturers,
suppliers, banks,
insurance, logistics, regulators and consumers, and realize the business logic
intelligence,
intelligent commodity circulation, intelligent supply chain, financial payment
intelligent,
intelligent transaction management.
A brief description of the drawings
6

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Brief Description
[0047] Figure 1 is a network topology of an intelligent E-commerce system
provided by Example
1 of the present invention.
[0048] Figure 2 is a network topology of an intelligent E-commerce system
provided in Example 2
of the present invention.
[0049] Figure 3 is a network topology diagram of an intelligent E-commerce
system provided in
Example 3 of the present invention.
[0050] Figure 4 (a) is a flowchart of a method for implementing intelligent
electronic commerce
provided by Example 4 of the present invention.
[0051] Figure 4 (b) is an information interaction diagram of a method for
implementing intelligent
electronic commerce according to Example 4 of the present invention.
[0052] Figure 5 is a flow chart of a method for implementing intelligent
electronic commerce
applied to a manufacturer subsystem provided in Example 5 of the present
invention.
[0053] Figure 6 is a flowchart of a method for implementing intelligent E-
commerce applied to a
manufacturer subsystem according to Example 6 of the present invention.
[0054] Figure 7 is a flowchart of a method for implementing intelligent
electronic commerce
applied to a user subsystem provided in Example 7 of the present invention.
[0055] Figure 8 is a flowchart of a method for implementing intelligent
electronic commerce
applied to a banking subsystem provided by Example 8 of the present invention.
[0056] Figure 9 (a) is a flowchart of a method for implementing an intelligent
E-commerce system
according to Example 9 of the present invention.
[0057] Figure 9 (b) is a schematic diagram of a method for implementing an
intelligent
E-commerce system according to Example 9 of the present invention.
[0058] Figure 10 is a block diagram of a module for implementing an
intelligent E-commerce
application in a vendor subsystem according to Example 10 of the present
invention.
[0059] Figure 11 is a structural block diagram of an implementation device
applied to a vendor
subsystem intelligent electronic commerce provided by Example 11 of the
present
invention.
[0060] Figure 12 is a block diagram of an implementation of an intelligent E-
commerce
application module applied to a user subsystem provided in Example 12 of the
present
invention.
[0061] Figure 13 is a structural block diagram of an implementation device of
an intelligent
electronic commerce applied to a banking subsystem provided by Example 13 of
the
present invention.
[0062] Figure 14 is a schematic diagram of an intelligent E-commerce system
provided in
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Example 14 of the present invention.
Examples of the Invention
Implementation pattern of the present invention
[0063] Here is a description of the examples of the present invention. To make
the technical
problems, technical solutions and advantages more apparent and clear, the
present
invention will be described in further detail with reference to the
accompanying drawings
and examples. It is to be understood that the specific examples described
herein are merely
illustrative of the invention and are not intended to limit the invention.
[0064] Example 1
[0065] As shown in Figure 1, a smart E-commerce system provided in an example
of the present
invention includes a vendor subsystem 10, a user subsystem 20, a bank
subsystem 30, and
an information carrier 40.
[0066] The information carrier 40 is used to provide users with interactive
operations and execute
corresponding operation instructions. The information carrier 40 is further
configured to
transmit data information to the manufacturer subsystem 10, the user subsystem
20 and the
bank subsystem 30 in real time.
[0067] Specifically, the information carrier 40 is used to record the
transaction process
information throughout, and once the information in the information carrier 40
changes, the
latest data information can be delivered to each subsystem. It should be noted
that,
although all the data information and the operation instruction of the
transaction process
are included in the information carrier 40, after the different accounts are
logged in, the
data information and operations displayed on the information carrier 40 are
only the
information related to the login account. The data information transmitted by
the
information carrier 40 includes static data and dynamic data.
[0068] As a preferred solution, the information carrier 40 may include one or
more electronic
certificates, such as one or more of which may include a commodity electronic
certificate,
a bank electronic certificate, an insurance electronic certificate, or an
insurance electronic
certificate. The commodity electronic certificate is generated by the
manufacturer
subsystem 10, and the commodity electronic certificate includes: commodity
information,
payment information, trading rules, operation instructions, user interaction
interface, and
dynamic data. The bank electronic credit certificate is generated by the bank
subsystem 30
and includes: payee information, collection information, payment amount,
payment rules,
transaction information, operation instructions, user interaction interface,
and dynamic
data. The insurance electronic certificate can be generated by the
manufacturer's subsystem
or by the insurance subsystem. The insurance electronic certificate can also
be generated
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by the insurance subsystem, including the insuring party, the beneficiary, the
insured
amount, the insured method, the claim rules, the operation instruction, the
user interface,
and the dynamic data. The vendor subsystem 10, the user subsystem 20, and the
bank
subsystem 30 are configured to process the information according to the
respective timing
after receiving the information transmitted by the information carrier 40, and
execute the
instructions of the present subsystem from the processing result. At the same
time, the
dynamic data after the execution of the instruction is attached to the
information carrier 40.
[0069] Specifically, the vendor subsystem 10 is deployed in an enterprise or
vendor. The user
subsystem 20 is used by users of various parties such as consumers /
distributors and
deployed in a mobile device, a PC terminal, or a smart device. Bank subsystem
deployed in
the bank side. The manufacturer subsystem 10 generates a commodity electronic
certificate
according to the commodity information, payment information, trading rules,
operation
instructions, and user interaction interface. The user interface is the human-
computer
interface displayed on the commodity electronic certificate. Vendor Subsystem
10
publishes the commodity electronic certificate to the entire domain for
consumers and
distributors to browse and purchase. The user subsystem 20 acquires the
commodity
electronic certificate, performs a purchase / distribution operation on the
electronic
certificate, pre-pays with a bank electronic certificate, generates purchase /
distribution
information and payment request information, and delivers the purchase /
distribution
information and the payment request information attached to the commodity
electronic
certificate; attaching the payment request to the electronic certificate of
the bank; wherein
the payment request includes the order information, the payment information,
the payee
information and the payment amount. The bank subsystem receives the payment
request
information transmitted by the bank's electronic certificate, confirms the
payment request
information, and freezes the payment amount corresponding to the bank
electronic
cigarette certificate in the payer's account, and attaches the prepayment
success information
to the bank's electronic certificate; after receiving the transaction
confirmation information
transmitted by the electronic credit certificate of the bank, comparing the
payee
information in the transaction confirmation information with the payee
information in the
payment request information, the order information of the transaction
confirmation
information and the order information in the payment request information. If
the match is
successful, the certificate success information is appended to the bank
electronic credit
certificate. After receiving the receipt success information, the payment
amount frozen in
the payer account is unfrozen and transferred to the payee account, and attach
the payment
success information to the bank credit electronic certificate. In other words,
each system
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can obtain the information of the information carrier 40, operate on the
information carrier
40, and then attach the processed information to the information carrier 40
for delivery to
the other sub-systems.
[0070] In this example, by directly trading and transmitting information on
the information carrier,
it cannot only rely on platform, but also circulate in the whole network
domain, record
commodity transactions in the whole process, prevent counterfeit and
traceability, and
ensure that consumers purchase the genuine products, so as to protect the
interests of
vendors and consumers. At the same time, since the information carrier (such
as the
commodity electronic certificate and the electronic certificate) encapsulates
the transaction
information and operation instructions, and it provides user interaction
interface, which can
exist independently in PC, mobile devices, short message, email and other
media or
devices. As long as network communication is available, it can be traded at
anytime and
anywhere, no longer rely on the E-commerce platform, so as to realize the
platform trading
mode that the entire domain manufacturers directly supply. In addition, due to
the payment
of funds in the payer's account is frozen, after the arrival of funds
allocated to the payee,
the entire transaction funds only exist in the account of buyers and sellers,
rather than in
third-party accounts, thus solving the defect that the existing third party
payment of
E-commerce platform has bank deposits of funds, and eliminating financial
risks.
[0071] Example 2
[0072] As shown in Figure 2, a smart E-commerce system provided in an example
of the present
invention includes a vendor subsystem 10, a user subsystem 20, a bank
subsystem 30, an
information carrier 40, and a logistics subsystem 50. The information carrier
40 includes a
commodity electronic certificate and a bank electronic certificate.
[0073] The manufacturer subsystem 10 is used to generate a commodity
electronic certificate
according to the commodity information, the payment information, the trading
rules, the
operation instruction and the user interaction interface, and publish the
commodity
electronic certificate to the entire domain for the consumer and the
distributor to browse
and buy. It is also configured to obtain the transaction information from the
commodity
electronic certificate and the bank electronic credit certificate, and confirm
the transaction,
attach the transaction confirmation information to the electronic credit
certificate to
transfer the transaction information to the banking subsystem 30 by the
electronic credit
certificate of the bank.
[0074] Wherein, the commodity electronic certificate includes: commodity
information, payment
information, trading rules, operation instructions, user interface, and
dynamic data.
[0075] The user subsystem 20 is further configured to: obtain the commodity
electronic certificate,

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performs a purchase / distribution operation on the electronic certificate,
pre-pays with a
bank electronic certificate, generates purchase / distribution information and
payment
request information, and delivers the purchase / distribution information and
the payment
request information attached to the commodity electronic certificate;
attaching the payment
request to the electronic certificate of the bank; wherein the payment request
includes the
order information, the payment information, the payee information and the
payment
amount; after the user receives the commodity, the successful information is
attached to the
commodity electronic certificate and the bank credit electronic certificate.
[0076] The bank subsystem 30 receives the payment request information
transmitted by the bank's
electronic certificate, confirms the payment request information, and freezes
the payment
amount corresponding to the bank electronic cigarette certificate in the
payer's account, and
attaches the prepayment success information to the bank's electronic
certificate; after
receiving the transaction confirmation information transmitted by the
electronic credit
certificate of the bank, comparing the payee information in the transaction
confirmation
information with the payee information in the payment request information, the
order
information of the transaction confirmation information and the order
information in the
payment request information. If the match is successful, the certificate
success information
is appended to the bank electronic credit certificate. After receiving the
receipt success
information, the payment amount frozen in the payer account is unfrozen and
transferred to
the payee account, and attach the payment success information to the bank
credit electronic
certificate.
[0077] Wherein, the bank credit electronic certificate includes: payer
information, payee
information, payment amount, payment rules U, transaction information,
operation
instructions, user interface and dynamic data.
[0078] The information carrier 40 is used to provide users with interactive
operations and execute
corresponding operation instructions. The information carrier 40 is further
configured to
transmit data information to the manufacturer subsystem 10, the user subsystem
20 and the
bank subsystem 30 in real time.
[0079] The logistics subsystem 50 is used to receive the logistics information
and pickup code
delivered by the information carrier. It is further arranged to generate a
pick up code for
receipt after the logistics company picks up by pick code and attach the pick-
up code to the
information carrier 40. Wherein, the logistics information includes at least
commodity
information, delivery address, and the consignee and shipping address.
[0080] Specifically, the manufacturer subsystem 10 generates the logistics
information according
to the commodity attributes, and attaches the logistics information to the
information
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carrier 40 (such as the commodity electronic certificate). Logistics
information includes:
commodity information, pick-up address, and consignee and shipping address.
The
manufacturer's subsystem generates the carrier's pickup code when the
commodity is
shipped and attaches the pickup code to the commodity electronic certificate.
The logistics
subsystem 50 receives the logistics information and the pickup code delivered
by the
information carrier delivery 40 and generates the pickup code for the delivery
of the
commodity after the delivery company picks up the pickup code and attaches the
pickup
success information and the pickup code to the information carrier 40. The
user subsystem
20 checks the pick-up code received by the user with the pick-up code
generated by the
logistics company stored in the commodity electronic certificate, and adds the
receipt
success information to the information carrier 40 after the verification
succeeds. The
logistics company obtains the commodity according to the delivery code to the
specified
address, and the user subsystem 20 receives the commodity by taking the
commodity code,
which can avoid the situation of posing the commodity and delivering the
commodity as
the fake commodity, and can improve the reliability of the logistics and
delivery.
[0081] In this example, on the basis of the first example, by integrating the
logistics link, the entire
process is completed automatically without human intervention, thereby
ensuring various
loopholes in the logistics link and improving the logistics effectiveness.
[0082] Example 3
[0083] As shown in Figure 3, an intelligent E-commerce system provided in an
example of the
present invention includes a vendor subsystem 10, a user subsystem 20, a bank
subsystem
30, an information carrier 40, and a logistics sub-module System 50, and
further includes
one or any combination of the insurance subsystem 60, the supplier subsystem
70, and the
supervision subsystem 80.
[0084] The insurance subsystem 60 is used to receive an insurance electronic
certificate
transmitted by the information carrier 40.
[0085] Wherein, the insurance electronic certificate includes the insured,
beneficiaries, insured
amount, insured, claims rules, operating instructions, user interface and
dynamic data.
[0086] As a preferred solution, the insurance subsystem 60 is further
configured to: after receiving
the claim information in the insurance electronic certificate, match the
information in the
information carrier 40 and calculate and process the claim, and attach the
result of the
claim to the insurance electronic certificate; wherein the claim information
is appended by
the user subsystem 20 to the insurance electronic certificate.
[0087] Through the insurance sub-system 60, if the user selects the
corresponding transaction
insurance policy at the time of purchase, the insurance will automatically
take effect when
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the manufacturer confirms the transaction. If the transaction is in danger,
according to the
insurance clause, the information of the buyer's insurance will be
automatically delivered
to the insurance company. The insurance company chooses to handle the claim
automatically or manually according to the insurance situation, so that it can
achieve quick
claims, reduce the claim link and operation.
[0088] Further optionally, the system can also automatically select the
insurance of transaction
insurance, without further operation of the user to select the insurance.
[0089] The manufacturer subsystem 10 is further configured to determine
whether the inventory is
sufficient, and if the inventory is insufficient, generate raw material
purchase information
and attach the raw material purchase information to the commodity electronic
certificate.
[0090] The supplier subsystem 70 is used to receive the raw material purchase
information
delivered by the information carrier, attach the raw material supply
information to the
information carrier 40, and provide the supplier according to the raw material
purchase
information.
[0091] The supplier subsystem 70 provides closed-loop application of raw
material procurement
by the manufacturer. The subsystems of the manufacturer 10 perform the
procurement of
raw materials safely and promptly according to the on-line orders at any time,
and
replenish the materials on time to avoid sluggishness of the materials and
preparation of the
materials less likely to affect the progress of commodity, it can increase the
rate of return of
funds.
[0092] Further optionally, the manufacturer subsystem 10 is further configured
to: after receiving
the payment success information delivered by the bank credit electronic
certificate, attach
the transaction completion information to the commodity electronic certificate
and generate
the after-sale electronic certificate according to the commodity electronic
certificate; After
receiving the after-sales service information transmitted by the after-sale
electronic
certificate, the after-sales service information that needs to be provided is
delivered to the
manufacturer;
[0093] The user subsystem 20 is also used to receive the after-sales service
information submitted
by the user according to the user's needs, and attach the after-sales service
information to
the after-sales electronic certificate.
[0094] The supervisory system 80 is used to receive instruction information
executed by a
manufacturer subsystem, a user subsystem, a bank subsystem, a logistics
subsystem, an
insurance subsystem, and / or a provider subsystem and is also used to acquire
the
commodity electronic certificate, a bank credit electronic certificate, and /
or insurance
electronic certificate in the relevant data information.
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[0095] Specifically, supervisory subsystem 80 provides a supervisory big data
interface for
government agencies or third-party regulators. Regulated big data system
collect data from
commodity information, transaction data, payment, credit, buyer transaction
and behaviour,
and provides it to relevant statistical units or regulatory authorities
through intelligent
analysis and calculation. At the same time, it may also authorize the prompt
and automatic
handling of the problems in the transaction to protect the interests of
consumers and
manufacturers and ensure the regulatory authority of the public authorities in
online
transactions.
[0096] In the example of the present invention, automated business processing
is realized in the
business links such as manufacturers, banks, insurance, logistics, consumers,
after-sales
service and regulatory departments, and the intelligent business logic and
intelligent
commodity circulation are realized. The supply chain Intelligent, intelligent
financial
payment, transaction supervision and intelligence, enabling more real-world
business
transactions closer to the realm of intelligent trading transactions.
[0097] Example 4
[0098] As shown in Figure 4 (a) and Figure 4 (b), a method for implementing
intelligent electronic
commerce provided in an example of the present invention includes the
following steps:
[0099] S402, the manufacturer subsystem encapsulates commodity information,
payment
information, transaction rules, operation instructions and user interaction
interface to
generate a commodity electronic certificate, and publishes the commodity
electronic
certificate to the entire domain.
[0100] S404, the user subsystem acquires the commodity electronic certificate,
performs the
purchase / distribution operation on the commodity electronic certificate, and
adds the
purchase / distribution information and the payment request information to the
commodity
electronic certificate. Attach a payment request to the bank's electronic
certificate.
[0101] Wherein the payment request information includes order information,
payer information,
payee information, payment amount. Specifically, the manufacturer subsystem
requests for
a blank bank credit electronic certificate before generating the commodity
electronic
certificate, and the bank subsystem delivers a blank bank credit electronic
certificate to the
manufacturer subsystem. When the manufacturer subsystem generates the
commodity
electronic certificate. Generates a bank electronic credit certificate (the
payee information
on the card is blank) containing the payee information, and the payment
request of the user
subsystem includes the order information, the payee information, the payee
information
and the payment amount, and then the user subsystem. The payment request
information is
attached to the bank electronic credit certificate (the payment information
and payee
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information, payment amount, etc.), and the payment request information is
transmitted to
the banking subsystem through the electronic certificate of the bank.
[0102] S406: the banking subsystem receives the payment request information
passed in the bank
electronic money certificate, confirms the payment request information, and
waits for the
payment amount corresponding to the bank electronic credit certificate in the
payer
account, and attaches the prepayment success information to the bank credit
electronic
certificate.
[0103] Wherein, the bank credit electronic certificate includes: payer
information, payee
information, payment amount, payment rules U, transaction information,
operation
instructions, user interface and dynamic data. S408, the manufacturer
subsystem obtains
the transaction information from the commodity electronic certificate and the
bank
electronic credit certificate, and confirms the transaction, adds the
transaction confirmation
information to the bank electronic credit certificate.
[0104] S410. The bank system received the bank credit electronic certificate
transfer transaction
confirmation information, transaction confirmation of the payee information
and payment
information in the request of the payee information, the transaction
information to confirm
the order information and payment information comparing the request
information in order
information.
[0105] S412, judging whether the matching is successful, if yes, executing
step S414; otherwise,
executing step S422.
[0106] S414, the banking subsystem attaches the receipt success information to
the bank
electronic certificate.
[0107] S416, the manufacturer subsystem delivers the commodity according to
the information of
the commodity electronic certificate and the bank credit electronic
certificate, and attaches
the shipping information to the commodity electronic certificate.
[0108] As a preferred solution, in order to avoid the material caused by
excessive material
sluggish, too little preparation may affect the production schedule, the
closed-loop
application can also provide manufacturers of raw materials procurement,
vendor
subsystem at safe and efficient for the procurement of raw materials according
to the orders
online, instant supplementary material, it can raise the capital return.
Before step S416, the
method may further include:
[0109] Step S4151, the manufacturer subsystem determines whether the inventory
is sufficient,
and if there is not enough inventory, generates raw material purchase
information and
attaches it to the commodity electronic certificate.
[0110] Step S4152, after the supplier subsystem receives the raw material
purchase information, it

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supplies the manufacturer.
[0111] S418, after the user receives the commodity, the user subsystem
attaches the successful
information to the commodity electronic certificate and the bank credit
electronic
certificate.
[0112] S420: After receiving the receiving success information, the banking
subsystem unfreezes
the frozen payment amount in the payer's account and transfers the payment
amount to the
payee account, and attaches the payment success information to the bank
electronic
certificate.
[0113] S422, end the process.
[0114] As another preferred example, in order to avoid the occurrence of
posing as a fake
commodity receipt and improve the reliability of the logistics and delivery,
logistics
companies can use the delivery code to the specified address to obtain the
commodity, the
user \ receives the commodity according to the pick-up code. After the step
S416, the step
of integrating the logistics links further includes:
[0115] Step S41701, the manufacturer subsystem generates the delivery code of
the carrier, and
adds the delivery code to the commodity electronic certificate. Generate
logistics
information according to the commodity attributes; attach the logistics
information to the
commodity electronic certificate.
[0116] Wherein, the logistics information at least includes commodity
information, delivery
address, and the receiver and shipping address.
[0117] Step S41702, the manufacturer subsystem delivers the logistics
information and the
delivery code to the logistics subsystem from the commodity electronic
certificate.
[0118] Step S41704, the logistics subsystem receives the logistics information
and delivery code
delivered by the commodity electronic certificate. After the logistics company
picks up the
delivery code by using the delivery code, the logistics subsystem generates
the delivery
code for the user's receipt, and delivers the delivery success information and
the pickup
code attached to the commodity electronic certificate.
[0119] Step S41706, the user subsystem checks the receipt code input by the
user with the receipt
code generated by the logistics subsystem stored in the commodity electronic
certificate,
and verifies the receipt successfully.
[0120] In this way, the logistics company obtains the commodity according to
the delivery code to
the specified address, and the user subsystem receives the commodity by taking
the
commodity code, which can avoid the situation of posing the commodity and
delivering the
commodity as the fake commodity, and can improve the reliability of the
logistics and
delivery.
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[0121] As another preferred example, in order to achieve rapid claims
settlement, reduce claims
and operations. The above method further includes the following step S416:
[0122] Step S41702, the manufacturer subsystem generates an insurance
electronic certificate
based on the commodity electronic certificate.
[0123] Wherein, the insurance electronic certificate includes the insured,
beneficiaries, insured
amount, insured, claims rules, operating instructions, user interface and
dynamic data.
[0124] Step S41704, after receiving the claim information in the insurance
electronic certificate,
the insurance subsystem matches the insurance information in the commodity
electronic
certificate and calculates and settles the claim, and adds the result of the
claim to the
insurance electronic certificate.
[0125] The claim information is appended by the user subsystem to the
insurance electronic
certificate. So, if selects the corresponding transaction insurance policy at
the time of
purchase, the insurance will automatically take effect when the manufacturer
confirms the
transaction. If the transaction is in danger, according to the insurance
clause, the
information of the buyer's insurance will be automatically delivered to the
insurance
company. The insurance company chooses to handle the claim automatically or
manually
according to the insurance situation, so that it can achieve quick claims,
reduce the claim
link and operation.
[0126] Further, the user subsystem transmits the claim information through the
insurance
electronic certificate, and waits for the result of the claim. After the
insurance subsystem
attaches the settlement result to the insurance electronic certificate, the
user subsystem
notifies the user of the settlement result through the insurance electronic
certificate.
[0127] In other preferred examples, in order to improve the efficiency of
after-sales service, in the
above method, after step S420, the method further includes:
[0128] Step S421, after receiving the payment success information transmitted
by the bank
electronic credit certificate, the manufacturer subsystem appends the
transaction
completion information to the commodity electronic certificate and generates
the after-sale
electronic certificate according to the commodity electronic certificate.
[0129] Accordingly, the above method further includes:
[0130] Step S423, the user subsystem receives the after-sale service request
information submitted
by the user according to the user's needs, and adds the after-sales service
request
information to the after-sales electronic certificate.
[0131] Step S424, after receiving the after-sales service request message
transmitted by the
after-sales electronic certificate, the manufacturer subsystem provides the
after-sales
service to the user, and attaches the after-sales service information to the
after-sales
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electronic certificate.
[0132] In other preferred examples, government agencies or third-party
regulatory agencies may
also be integrated into the system in order to achieve regulatory oversight of
public
authorities in network transactions. The above method may further include the
steps of:
[0133] The supervisory system receives instruction information executed by a
manufacturer
subsystem, a user subsystem, a bank subsystem, a logistics subsystem, an
insurance
subsystem, and / or a provider subsystem and acquires the commodity electronic

certificate, a bank credit electronic certificate, and / or insurance
electronic certificate in
the relevant data information.
[0134] The above receiving mode may be real-time dynamic or may be received on
a regular
basis, thus providing a regulatory big data interface for a government
department or a
third-party regulatory agency. Regulated big data system collect data from
commodity
information, transaction data, payment, credit, buyer transaction and
behaviour, and
provides it to relevant statistical units or regulatory authorities through
intelligent analysis
and calculation. At the same time, it may also authorize the prompt and
automatic handling
of the problems in the transaction to protect the interests of consumers and
manufacturers
and ensure the regulatory authority of the public authorities in online
transactions.
[0135] On the basis of the first example described above, the examples of the
present invention
intelligentize the mutual dynamic relationships, data processing and state
transition of the
commodity transaction, the payment, the logistics, the insurance, the after-
sales and the
supervision, and so on, so that to achieve more close to the real business
transactions of the
entire domain of intelligent transactions.
[0136] It should be noted that the technical features of the systems in the
first to third examples of
the system are also applicable in the method examples, and will not be
repeated here. And
all of the above data transmission are encrypted by means of transmission,
such as the use
of digital envelopes for secure communication of data transmission.
[0137] Example 5
[0138] As shown in Figure 5, a method for implementing intelligent electronic
commerce
provided in an example of the present invention is applied to a manufacturer
subsystem,
and includes the following steps:
[0139] S502, the manufacturer subsystem encapsulates commodity information,
payment
information, transaction rules, operation instructions and user interaction
interface to
generate a commodity electronic certificate, and publishes the commodity
electronic
certificate to the entire domain.
[0140] Specifically, the commodity electronic certificate includes: commodity
information,
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payment information, trading rules, operation instructions, user interface,
and dynamic
data.
[0141] S504, after obtaining the transaction information from the commodity
electronic certificate
and the bank electronic credit certificate and confirming the transaction,
attaching the
transaction confirmation information to the bank's electronic certificate to
transfer the
transaction information to the banking subsystem by the electronic credit
certificate of the
bank.
[0142] Specifically, the bank credit electronic certificate includes: payer
information, payee
information, payment amount, payment rules U, transaction information,
operation
instructions, user interface and dynamic data.
[0143] S506, delivers the commodity according to the information of the
commodity electronic
certificate and the bank credit electronic certificate, and attaches the
shipping information
to the commodity electronic certificate.
[0144] In this example, electronic commodity certificate is generated by a
manufacturer
subsystem, and the electronic commerce data is processed by the direct
commodity
electronic certificate without the need of relying on the platform technical
structure and
full-time recording of commodity transaction information to prevent
counterfeit
traceability and ensure that the consumer buy genuine, so that to achieve the
entire network
of manufacturers to provide direct intellectual trading platform to protect
the interests of
manufacturers and consumers.
[0145] Example 6
[0146] As shown in Figure 6, a method for implementing intelligent electronic
commerce
provided in an example of the present invention is applied to a manufacturer
subsystem,
and includes the following steps:
[0147] S602, the manufacturer sub-system encapsulates commodity information,
payment
information, trading rules, logistics information, insurance information,
operation
instructions and user interaction interface to generate the commodity
electronic certificate,
and publishes the commodity electronic certificate to the entire domain.
[0148] S604, obtains the transaction information from the commodity electronic
certificate and the
bank electronic credit certificate, and confirms the transaction, adds the
transaction
confirmation information to the bank electronic credit certificate.
[0149] S606, judging whether the inventory is sufficient, proceeding to step
S608 if there is not
enough stock, and performing step S610 if the stocking is sufficient.
[0150] S608: generate raw material purchase information and attach it to the
commodity electronic
certificate.
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[0151] S610: generate a delivery code of the carrier, generate logistics
information according to
the commodity attributes, and attach a delivery code, shipping information and
logistics
information to the commodity electronic certificate.
[0152] Wherein, the logistics information at least includes commodity
information, carrier's pick
up address, and consignee and receiving address.
[0153] S612, the manufacturer subsystem generates an insurance electronic
certificate based on
the commodity electronic certificate.
[0154] Wherein, the insurance electronic certificate includes the insured,
beneficiaries, insured
amount, insured, claims rules, operating instructions, user interface and
dynamic data.
[0155] S614: after receiving the payment success information transmitted by
the bank electronic
credit certificate, the manufacturer subsystem appends the transaction
completion
information to the commodity electronic certificate and generates the after-
sale electronic
certificate according to the commodity electronic certificate.
[0156] In the example of the present invention, on the basis of the fifth
example, the whole
process is completed automatically by integrating the commodity transaction,
the payment,
the logistics, the insurance, the after-sale and the supervisory system,
without manual
intervention, so as to ensure various vulnerabilities in the transaction
process, and realize
the intelligent E-commerce system that the whole network vendors directly
supply
platform to trade mode, which improves the safety and efficiency of commodity
trading.
[0157] Example 7
[0158] As shown in Figure 7, a method for implementing intelligent electronic
commerce
provided by an example of the present invention is applied to a user
subsystem. The
method includes:
[0159] S702, the user subsystem acquires the commodity electronic certificate,
performs the
purchase / distribution operation on the commodity electronic certificate, and
attaches the
purchase / distribution information and the payment request to the commodity
electronic
certificate; and attaches the payment request information to the electronic
credit certificate
of the bank.
[0160] S704, after the user receives the commodity, the user subsystem
attaches the successful
information to the commodity electronic certificate and the bank credit
electronic
certificate.
[0161] Specifically, the user subsystem checks the pick-up code input by the
user with the pick-up
code generated by the logistics subsystem stored in the commodity electronic
certificate,
and after the verification is successful, adds the receiving success
information to the
commodity electronic certificate and the bank credit electronic certificate.

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[0162] S706: the user subsystem receives the after-sales service information
submitted by the user
according to the user's needs, and attach the after-sales service information
to the
after-sales electronic certificate
[0163] In this example of the present invention, E-commerce data processing is
performed directly
on the electronic stamp certificate without the need of relying on the
platform technology
structure, and records the transaction information of the commodity throughout
the process
so as to prevent counterfeit traceability and ensure that the consumer buy
genuine, so that
to achieve the entire network of manufacturers to provide direct intellectual
trading
platform to protect the interests of manufacturers and consumers.
[0164] Example 8
[0165] As shown in Figure 8, a method for implementing intelligent electronic
commerce
provided by an example of the present invention is applied to a bank
subsystem. The
method includes:
[0166] S802: the banking subsystem receives the payment request information
passed in the user
electronic money certificate, confirms the payment request information, and
waits for the
payment amount corresponding to the bank electronic credit certificate in the
payer
account, and attaches the prepayment success information to the bank credit
electronic
certificate.
[0167] Wherein, the bank credit electronic certificate includes: payer
information, payee
information, payment amount, payment rules U, transaction information,
operation
instructions, user interface and dynamic data.
[0168] S804: The receiving module receives, after receiving the transaction
confirmation
information transmitted by the bank electronic credit certificate, the payee
information and
the payee information in the payment request information, the order
information of the
transaction confirmation information in the transaction confirmation
information and order
information in the payment request information for comparison, and if the
matching is
successful, appending the information of receiving a certificate of success to
a bank
electronic credit certificate.
[0169] S806: The settlement module after receiving the receipt success
information transmitted by
the bank electronic credit certificate, unfreeze and allocate the frozen
payment amount in
the payer account to the payee account, and attach the payment success
information to the
bank credit electronic certificate.
[0170] In the example of the present invention, a bank electronic certificate
is generated by a bank
subsystem, and the payment operation is performed by using a bank electronic
credit
certificate, thereby solving the defect that there is a deposit-taking bank
fund in the
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third-party payment of the existing E-commerce platform and eliminating the
financial
risk.
[0171] Example 9
[0172] Figure 9 (a) and Figure 9 (b) are respectively a flow chart and a
schematic diagram of a
method for implementing an intelligent E-commerce system according to an
example of
the present invention.
[0173] As shown in Figure 9 (a), the method for implementing a smart E-
commerce system
provided by the example of the present invention may include the following
steps:
[0174] S901: the manufacturer subsystem generates the commodity electronic
certificate from the
commodity information, the logistics information, the insurance information,
the payment
information, the trading rule, the operation instruction and the user
interface (UI), and
publishes the commodity electronic certificate to the entire domain.
[0175] S902, after the user subsystem browses and retrieves the commodity
electronic certificate,
it performs the purchase and distribution operations on the commodity
electronic certificate
and transmits the purchase and distribution information to the manufacturer
subsystem;
when the manufacturer subsystem detects that the supply is insufficient,
purchase the raw
materials from the supplier subsystem according to the purchase and
distribution
information, and make the production according to the purchase and
distribution
information.
[0176] S903, the bank subsystem uses a bank credit electronic certificate to
freeze the prepaid
amount of the commodity in the buyer's account, complete the prepayment, and
transmit
the prepayment information to the manufacturer subsystem. The manufacturer
subsystem
executes the shipping instructions based on the successful advance payment
message
returned by the bank credit electronic certificate.
[0177] In specific implementation, the manufacturer subsystem obtains the
transaction information
from the commodity electronic certificate and the bank electronic credit
certificate and
confirming the transaction, attaching the transaction confirmation information
to the bank's
electronic certificate to transfer the transaction information to the banking
subsystem by
the electronic credit certificate of the bank. After receipt of the
transaction confirmation
message, the banking subsystem will freeze the payment amount corresponding to
the
bank's electronic certificate in the payer's account and append the
information of successful
freezing to the bank's electronic certificate. The manufacturer's subsystem is
shipped
according to the information of the commodity electronic certificate and the
bank credit
electronic certificate.
[0178] S904: After the manufacturer subsystem executes the delivery, the
logistics subsystem
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receives the pickup code generated by the manufacturer subsystem, picks up the
pickup
code at the designated storage point and generates the pickup code for picking
up the user
subsystem. The commodity shipped to users, allowing users to confirm receipt
of
commodity receipt.
[0179] S905: After confirming the commodity receipt, verifying the commodity
information, the
delivery information, the confirmation receipt information, the advance
payment
information and the commodity electronic certificate transaction rules of the
transaction
after successfully verifying the receipt, and the payment order is transmitted
to the banking
subsystem through the bank's electronic certificate interface, and the bank
subsystem
unfreezes the prepaid amount frozen in the payment account and transfers it to
the recipient
account.
[0180] As shown in Figure 9 (b), during the manufacturing process of the
manufacturer, when the
manufacturer subsystem detects that the raw materials are not enough, the raw
materials
are automatically purchased from the supplier subsystem. The supplier
subsystem performs
the payment through the electronic certificate of the bank and the
manufacturer subsystem
settlement, the supplier subsystem through the carrier of electronic
certificate dock with the
logistics subsystem, the raw materials delivered to the vendor, the
transaction process of
supplier subsystem and vendor subsystem can be carried out by insurance
electronic
certificate.
[0181] After receiving the raw materials from the supplier subsystem, the
manufacturer subsystem
performs commodity, and after the commodity is completed, the manufactured
commodity
is put into stock. The manufacturer subsystem generates the electronic
certificate. The
specific manufacturer subsystem generates the commodity electronic certificate
from the
commodity information, the logistics information, the insurance information,
the payment
information, the trading rules, the operation instruction and the user
interface (U1).
[0182] The manufacturer subsystem publishes the commodity electronic
certificate to the entire
domain and displays it. The electronic certificate can be displayed on the PC
terminal, the
mobile device, etc., so that the consumer can browse the electronic
certificate of the
commodity and operate directly on the electronic certificate of the commodity.
Including
purchase operation, distribution operation, etc. The purchase / distribution
operation is paid
through a bank electronic credit certificate. The transaction process is
implemented through
insurance. The bank subsystem uses the electronic certificate of the bank to
freeze the
prepaid amount of the commodity in the buyer's account, complete the pre-
payment, and
deliver the advance payment information to the manufacturer subsystem.
[0183] The manufacturer subsystem processes the purchase / distribution
operation of the
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consumer. After receiving the prepayment information, the manufacturer
subsystem
confirms the advance payment and confirms the order transaction, executes the
delivery,
communicates with the logistics subsystem through the logistics information,
and the
specific logistics subsystem can deliver the commodity to consumers through
the electronic
certificate of logistics. The consumer confirms receipt by taking the
commodity. After
verifying the receipt, the manufacturer subsystem verifies the transaction
data and after
successful verification, transmits the payment instruction to the bank
subsystem through
the electronic certificate interface provided by the bank, and the banking
subsystem
releases the prepaid amount frozen in the payment account and transfers it to
the recipient's
account. This transaction is completed. If further after-sales service, the
manufacturer
subsystem implementation of after-sales service, such as warranty,
installation and so on.
The supervision subsystem supervises the data information of the whole
transaction
process.
[0184] Example 10
[0185] As shown in Figure 10, a device for implementing intelligent electronic
commerce
provided by an example of the present invention is applied to a manufacturer
subsystem.
The device includes a generating module 101, a publishing module 102, a
transaction
confirmation module 103, and a shipping module 104.
[0186] The generating module 101 is used to encapsulate commodity information,
payment
information, transaction rules and operation instructions, and generate a
commodity
electronic certificate by the user interaction interface.
[0187] Preferably, the generating module 101 may also generate the commodity
electronic
certificate in combination with the logistics information and the insurance
information. The
user interface rules is the human-computer interface displayed on the
commodity electronic
certificate. The generated commodity electronic certificate can prevent false
traceability
and ensure that consumers buy genuine products to protect the interests of
manufacturers
and consumers.
[0188] The publishing module 102 is used to publish the commodity electronic
certificate to the
entire domain.
[0189] Specifically, the posting module 102 publishes the commodity electronic
certificate to the
entire domain through WeChat, email, display platform and / or offline mode
for browsing
and purchase by consumers and distributors. Commodities electronic certificate
can
circulate across the entire network, it can exist in the PC side, mobile
devices, text
messages, email and other media or equipment, as long as there is network
communication,
transactions can be conducted at any time and anywhere without relying on the
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E-commerce platform, so as to realize the platform trading mode of direct
supply of the
whole network.
[0190] The transaction confirmation module 103 is used to obtain the
transaction information from
the commodity electronic certificate and the bank electronic credit
certificate and
confirming the transaction, attaching the transaction confirmation information
to the bank's
electronic certificate to transfer the transaction information to the banking
subsystem by
the electronic credit certificate of the bank.
[0191] The shipping module 104 delivers the commodity according to the
information of the
commodity electronic certificate and the bank credit electronic certificate,
and attaches the
shipping information to the commodity electronic certificate.
[0192] In this example, electronic commodity certificate is generated by a
manufacturer
subsystem, and the electronic commerce data is processed by the direct
commodity
electronic certificate without the need of relying on the platform technical
structure and
full-time recording of commodity transaction information to prevent
counterfeit
traceability and ensure that the consumer buy genuine, so that to achieve the
entire network
of manufacturers to provide direct intellectual trading platform to protect
the interests of
manufacturers and consumers.
[0193] Example 11
[0194] As shown in Figure 11, a device for implementing intelligent electronic
commerce
provided by an example of the present invention is applied to a manufacturer
subsystem.
The device includes, on the basis of Example 10, a generating module 101, a
publishing
module 102, a transaction. The confirmation module 103 and the delivery module
104, and
further includes one or more combinations of the logistics module 105, the
insurance
service module 106, the supplier module 107 and the after-sales service module
108.
[0195] The logistics module 105 is used to generate the logistics information
according to the
commodity attributes, and add the logistics information to the commodity
electronic
certificate, wherein the logistics information at least includes the carrier's
pickup code.
[0196] Specifically, the logistics information may further include: commodity
information,
carrier's pick-up address, and receiver and receiving address. The logistics
company gets
the information of commodity transportation, and the system also generates the
pick-up
code on the commodity electronic certificate to deliver to the user subsystem
according to
the pick-up code. After delivery, the logistics company will deliver the
commodity to the
buyer, and the buyer confirms the commodity receipt according to the pick-up
code of the
commodity electronic certificate. By integrating the logistics link, the
entire process is
completed automatically without human intervention, thereby ensuring various
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in the logistics link and improving the logistics effectiveness.
[0197] The insurance service module 106 is used to generate an insurance
electronic certificate
according to the commodity electronic certificate and deliver the insurance
electronic
certificate to the insurance subsystem. Wherein, the insurance electronic
certificate
includes the insured, beneficiaries, insured amount, insured, claims rules,
operating
instructions, user interface and dynamic data.
[0198] Specifically, if the user purchases the corresponding transaction
insurance policy
automatically or manually when the manufacturer confirms the transaction, the
insurance
will automatically take effect when the manufacturer confirms the transaction.
If the
transaction is in danger, according to the insurance clause, the information
of the buyer's
insurance will be automatically delivered to the insurance company. The
insurance
company chooses to handle the claim automatically or manually according to the
insurance
situation, so that it can achieve quick claims, reduce the claim link and
operation.
[0199] The supplier module 107 is used to determine whether the inventory is
sufficient, and if the
inventory is insufficient, generate the raw material purchase information and
deliver it to
the supplier subsystem to purchase the raw material and customize the
commodity.
[0200] Specifically, the supplier module 107 communicates with the supplier
subsystem to provide
the vendor with a closed-loop application for purchasing raw materials. Make
the
manufacturer to carry on the purchase of raw material safely and quickly
according to the
condition of the online order, and replenish the material immediately. Thus,
it can avoid too
much material, too little material, too little material may affect the
production schedule,
and improve the return rate of funds.
[0201] The after-sales service module 108 is used to: after receiving the
payment success
information delivered by the bank electronic certificate, append the
transaction completion
information to the commodity electronic certificate and generate the after-
sale electronic
certificate according to the commodity electronic certificate.
[0202] In the example of the present invention, on the basis of the tenth
example, the whole
process is completed automatically by integrating the commodity transaction,
the payment,
the logistics, the insurance, the after-sale and the supervisory system,
without manual
intervention, so as to ensure various vulnerabilities in the transaction
process, and realize
the intelligent E-commerce system that the whole network vendors directly
supply
platform to trade mode, which improves the safety and efficiency of commodity
trading.
[0203] Example 12
[0204] As shown in Figure 12, a device for implementing intelligent electronic
commerce
provided by an example of the present invention is applied to a user
subsystem. The device
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includes an operation module 201, a pre-payment module 202, and a receiving
module 203.
[0205] The operation module 201 is used to obtain a commodity electronic
certificate and perform
a purchase / distribution operation on the commodity electronic certificate.
[0206] A pre-payment module 202 is configured to set the purchase /
distribution information and
the payment request information is attached to the commodity electronic
certificate; the
payment request is appended to the bank credit electronic certificate; payment
request
information includes order information, payer information, payee information,
payment
amount.
[0207] receiving module 203, set to receive the commodity after the receipt,
the commodity
receipt information is attached to the success of the electronic certificate
and the bank
certificate.
[0208] As a preferred solution, the receiving module 203 checks the pick-up
code input by the
user with the pick-up code generated by the logistics company stored in the
commodity
electronic certificate, and after the verification is successful, adds the
receiving success
information to the commodity electronic certificate and bank credit electronic
certificate.
[0209] As another preferred solution, the device may further include a service
request module
configured to receive the after-sale service request information submitted by
the user
according to the user's requirement, and attach the after-sale service request
information to
the after-sale electronic certificate.
[0210] In this example of the present invention, E-commerce data processing is
performed directly
on the electronic stamp certificate without the need of relying on the
platform technology
structure, and records the transaction information of the commodity throughout
the process
so as to prevent counterfeit traceability and ensure that the consumer buy
genuine, so that
to achieve the entire network of manufacturers to provide direct intellectual
trading
platform to protect the interests of manufacturers and consumers.
[0211] Example 13
[0212] As shown in Figure 13, a device for implementing intelligent electronic
commerce
provided in an example of the present invention is applied to a bank
subsystem. The device
includes a card issuing module 301, a card collection module 302, and a
solution payment
module 303.
[0213] The issuing module 301, the banking subsystem receives the payment
request information
passed in the bank electronic money certificate, confirms the payment request
information,
and waits for the payment amount corresponding to the bank electronic credit
certificate in
the payer account, and attaches the prepayment success information to the bank
credit
electronic certificate.
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[0214] Wherein, the bank electronic credit certificate includes: payer
information, payee
information, payment amount, payment rules, transaction information, operation

instructions, user interaction interface and dynamic data and data
information.
[0215] The receiving module 302 receives, after receiving the transaction
confirmation
information transmitted by the bank electronic credit certificate, the payee
information and
the payee information in the payment request information, the order
information of the
transaction confirmation information in the transaction confirmation
information and order
information in the payment request information for comparison, and if the
matching is
successful, appending the information of receiving a certificate of success to
a bank
electronic credit certificate.
[0216] The settlement module 303 is used to, after receiving the receipt
success information
transmitted by the bank electronic credit certificate, unfreeze and allocate
the frozen
payment amount in the payer account to the payee account, and attach the
payment success
information to the bank credit electronic certificate.
[0217] In the example of the present invention, a bank electronic certificate
is generated by a bank
subsystem, and the payment operation is performed by using a bank electronic
credit
certificate, thereby solving the defect that there is a deposit-taking bank
fund in the
third-party payment of the existing E-commerce platform and eliminating the
financial
risk.
[0218] Example 14
[0219] Figure 14 is a schematic diagram of an intelligent E-commerce system
provided in
Example 14 of the present invention. The system in the examples of the present
invention
interfaces with the ERP system in the manufacturing enterprise, and is fully
intelligent
from the realization of the widening of commodity and the trade of commodity.
Details as
follows:
[0220] The enterprise ERP system imports the information into the manufacturer
subsystem, and
specifically includes collecting commodity information, logistics information,
payment
information, insurance information, trading rules, operation instructions and
user interface /
UI. The manufacturer subsystem collects the above information and packages.
And through
the data encryption to generate commodity electronic certificate, and publish,
specifically
through the CA system for encryption, the commodity electronic certificate can
also be
stored in a cloud storage system.
[0221] The issuance of the commodity electronic certificate is transmitted
from the network to the
entire network through the communication system and can be displayed on the
display
platform. Specifically, the electronic certificate can be displayed on devices
such as mobile
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terminals and PC terminals. The present invention is not limited to the
specific platform for
display. Search can be conducted in the whole domain, and consumers can search
for
electronic certificate. Display platform for the display of commodity
electronic certificate,
consumers can browse, the user subsystem can retrieve the commodity electronic

certificate, and then perform the purchase of commodity on the electronic
certificate,
consignment or purchase operation, the purchase and distribution of
information to the
vendor subsystem. The manufacturer subsystem processes the payment
information,
confirms the payment information on the commodity electronic certificate,
makes a
pre-payment through the bank electronic credit certificate, and the bank
subsystem uses the
payment integrator to freeze the prepaid amount of the commodity in the
buyer's account,
completes the prepayment, and delivers the prepayment. The success information
is
attached to the bank electronic credit certificate, and the prepayment
information is
delivered to the manufacturer subsystem. The manufacturer subsystem executes
the
delivery instruction according to the successful prepayment message returned
by the bank
electronic certificate. After the manufacturer subsystem performs the
delivery, the logistics.
The subsystem receives the pick-up code generated by the vendor subsystem,
picks up the
pick-up code at the designated storage location and generates a receipt code
to pick up the
user subsystem, which delivers the commodity to the consumer, thus the
consumer
confirms the receipt by virtue of the stock code. After confirming the
commodity receipt,
verifying the commodity information, the delivery information, the
confirmation receipt
information, the advance payment information and the commodity electronic
certificate
transaction rules of the transaction after successfully verifying the receipt,
and the payment
order is transmitted to the banking subsystem through the bank's electronic
certificate
interface, and the bank subsystem unfreezes the prepaid amount frozen in the
payment
account and transfers it to the recipient account.
[0222] The manufacturer subsystem will purchase, distribution, sale
information to the enterprise
ERP system.
[0223] If further after-sales service, the manufacturer subsystem
implementation of after-sales
service, such as warranty, installation and so on. In the return, transaction
error, etc., the
insurance automatically take effect.
[0224] The manufacturer subsystem generates an insurance electronic
certificate according to the
commodity electronic certificate and delivers it to the insurance subsystem.
After receiving
the claim information in the insurance electronic certificate, match the
insurance
information in electronic certificate and calculate the claim, and attach the
claim result to
the insurance electronic certificate; wherein, the claim information is
attached to the
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insurance electronic certificate by the user subsystem.
[0225] Further optionally, when receiving the purchase request, the
manufacturer subsystem may
further determine whether the inventory is sufficient, and if the inventory is
insufficient,
generate the procurement information of the raw material to be delivered to
the supplier
subsystem for purchasing the raw material and customize the commodity; if the
stock is
adequate, the delivery will be carried out.
[0226] The supplier subsystem receives the purchasing information of raw
materials from the
manufacturer subsystem, and supplies the supplier according to the raw
materials. The
supplier subsystem distributes the raw materials to the manufacturer's
subsystems through
the logistics subsystem, freezes the manufacturer's purchase payment amount
through the
bank's electronic certificate, unfreezes after the manufacturer confirms
receipt of the raw
materials, the banking subsystem unfreezes the unfrozen purchase payment
amount. The
payee account will be transferred to the payee account.
[0227] Further optionally, the supervisory subsystem supervises the data
information of the entire
transaction process. The supervisory system receives instruction information
executed by a
manufacturer subsystem, a user subsystem, a bank subsystem, a logistics
subsystem, an
insurance subsystem, and / or a provider subsystem and acquires the commodity
electronic
certificate, a bank credit electronic certificate, and / or insurance
electronic certificate in
the relevant data information. Specifically, the regulatory subsystem provides
a supervisory
big data interface for government agencies, manufacturers or third-party
regulators.
Regulated big data system collect data from commodity information, transaction
data,
payment, credit, buyer transaction and behaviour, and provides it to relevant
statistical
units or regulatory authorities through intelligent analysis and calculation.
At the same
time, it may also authorize the prompt and automatic handling of the problems
in the
transaction to protect the interests of consumers and manufacturers and ensure
the
regulatory authority of the public authorities in online transactions.
[0228] In the example of the present invention, the commodity electronic
certificate can circulate
on the whole network and can exist in media or devices such as a PC terminal,
a mobile
device, a short message, an email and so on, and can be traded whenever and
wherever
there is network communication. The electronic certificate uses commodity
manufacturers
to generate encryption and other security technologies, to ensure that
commodity
production is generated by the manufacturer, and dynamic data records of each
link, to
achieve traceability, manufacturers direct supply and marketing of commodity,
it has
greatly reduced the cost to achieve more benefit to consumers.
[0229] In this example of the present invention, a user can deliver his own
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manufacturer in real time through a communication system, and the manufacturer
can
customize the commodity according to the data provided by the user after the
user needs.
The examples of the present invention can also communicate with the
manufacturer's ERP
system in real time with the input and output interfaces, commodity sales,
agency and
transaction data of the enterprise ERP system, so that the manufacturer can
formulate a
commodity plan according to the data and effectively use the large data. The
examples of
the present invention also provide the closed-loop application of raw material
procurement
by the manufacturer. The manufacturer can make use of the payment provided by
the
system at any time according to the data purchased by the user. The
procurement of raw
materials cannot be safely and quickly performed according to the online order
situation.
[0230] The present invention uses a bank electronic credit certificate for
payment operations, due
to the payment of funds in the buyer's account is frozen, after the arrival of
the funds in the
unfreeze and pay to the seller. In the whole transaction process, funds do not
exist in the
accounts of buyers and sellers, rather than on third party accounts, so as to
solve the defects
of the existing third party payment of E-commerce platform, and eliminate
financial risks.
The present invention has "express service integrator" deployed in various
logistics
companies. After the user completes the purchase transaction, once the
manufacturer
confirms the transaction and executes the "dispatch" instruction, the
logistics company will
automatically through the "express business integration" manufacturers
commissioned
transportation command information and get the "delivery", according to the
manufacturer's logistics company "delivery", to the manufacturer designated
delivery point
of delivery and transportation, the commodity shipped to the buyer, the buyer
of
commodity according to the electronic certificate dynamically generated "pick
up"
confirmation the receipt, the completion of the transaction. The above
processes are done
automatically without human intervention, thus ensuring various leaks in the
logistics chain
and improving the logistics efficiency.
[0231] The present invention has an "insurance service integrator" deployed in
an insurance
company. If the buyer selects the corresponding transaction insurance type
automatically or
manually at the time of purchase, the insurance type automatically takes
effect when the
manufacturer confirms the transaction. If the transaction is in danger.
According to the
terms of the insurance, buyer's information will be automatically delivered to
the insurance
company, the insurance company chooses the claims automatically or manually
according
to the condition of the insurance, which really realizes the quick claim. The
link of claims
is reduced and the operation is simpler.
[0232] The monitoring subsystem in the examples of the present invention may
be deployed in
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government departments, third-party regulatory agencies, etc. to monitor data
collection
from big data such as commodity information, transaction data, payment,
reputation, user
transaction and behaviour, analysis and calculation of authorization provided
to the
relevant statistical units, regulatory authorities, while the regulatory
system can also
authorize the timely handling of issues in the transaction to take measures to
protect the
interests of consumers, manufacturers, regulatory system, the realization of a
big data to
achieve regulatory network transactions.
[0233] In addition, an example of the present invention further provides an
implementation system
of an intelligent electronic commerce, which includes the implementation
device applied to
a manufacturer subsystem, the implementation device applied to a user
subsystem in the
foregoing example, and the implementation device applied to bank subsystem
implementation device, not repeat here.
[0234] It should be noted that the technical features in the foregoing system
examples are also
applicable in the corresponding method and device examples, and are not
repeated in each
example in order to save space.
[0235] The general technicians of this field can understand and implement all
or parts of steps in
the above-mentioned examples that can complete the procedure by controlling
relevant
hardware, and the said procedure can be stored in a readable storage media of
a computer
such as ROM/RAM, disk and light disk.
[0236] The preferred examples of the present invention have been described
above with reference
to the accompanying drawings, which are not to limit the scope of the present
invention.
without departing from the scope and spirit of the invention, there are
various
modifications to realize the example, such as the character of one example may
be
implemented in another example, and then another example occurs Any
modifications,
equivalents, and modifications that come within the technical concept of the
invention are
intended to be within the right scope of the invention. Industrial utility
[0237] The present invention provides an intelligent electronic commerce
system and its
implementation method and device, through the direct conduct of commodity
activities on
the information carrier, without relying on the platform technology
architecture, and the
entire record of commodity transaction information, it can prevent the
counterfeit source,
ensure that consumers purchase the genuine products, and realize the platform
based
intelligent transaction mode that is directly supplied by the entire domain
providers, so as
to protect the interests of vendors and consumers.
[0238] Second, through the use of bank credit electronic certificate for
payment operations, since
the payment is frozen in the buyer's account, the funds is transferred to the
seller after the
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arrival of the commodity. The entire transaction proceeds only in the account
of the buyer
and the seller, it not on the third party account, it solves the defects of
the existing third
party payment for the existence of the funds for the existence of the deposit
of the bank and
put an end to the financial risk.
[0239] In addition, through the integration of commodity trading links,
payment links, logistics
links, insurance links and regulatory systems, the whole process is completed
automatically, without manual intervention, so as to ensure various
vulnerabilities in the
transaction process, and realize the intelligent E-commerce system that the
whole network
vendors directly supply platform to trade mode, which improves the safety and
efficiency
of commodity trading.
[0240] The E-commerce transactions among the commodity transaction, payment,
logistics,
insurance, regulatory links and other data between the dynamic relationship
between the
processing and status of automatic processing, reduce manual intervention, and
realize the
automated business processing of business links such as manufacturers,
suppliers, banks,
insurance, logistics, regulators and consumers, and realize the business logic
intelligence,
intelligent commodity circulation, intelligent supply chain, financial payment
intelligent,
intelligent transaction management.
33

Representative Drawing