Note: Descriptions are shown in the official language in which they were submitted.
NETWORK TRANSACTION PAYMENT METHOD AND SYSTEM
Technical Field
[0001] The present invention relates to the field of computer technology,
and particularly to a
network transaction payment method and system.
Background Technology
[0002] With the development of the Internet, communication between people
and the network
is becoming more and more closely, e-commerce has gradually become the main
trend of Internet
economic development. On-line consumption has gradually become a way of life,
because
merchants and users fail to achieve face-to-face payment settlement, so the
most critical part of e-
commerce is to reduce the transaction risk of buyers and sellers. At present,
the traditional network
payment adopts the form of a third party payment company guarantee, the buyer
(the payer) will
pay the funds to the third party platform which will transfer the funds to the
account of the seller
(receiving side). However, if the form of third-party payment company
guarantee is applied to the
payer (the buyer), before the goods are received, the funds have already been
paid to the third party
payment company, once the third party payment company has problems, the
payment side of the
funds fail to be guaranteed, the receiving side (the seller) has shipped the
goods, the payment for
goods fail to be guaranteed, the traditional network payment method leads to
the high incidence of
network transaction risk of funds.
Summary of the invention
[0003] Based on this, it is necessary to provide a kind of network
transaction payment method
and system which can reduce the risk of network transaction due to the above
technical problems.
[0004] A kind of network transaction payment method includes:
[0005] The first terminal transmits the credit certificate and the purchase
information data
packet to the second terminal;
[0006] The second terminal parses the purchase information data packet to
obtain the payment
amount and determines whether the payment amount is less than or equal to the
issuance amount
corresponding to the said credit certificate, and if so, sends the receiving
request including the
payment amount and the credit certificate to the second server;
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[0007] The second server sends a payment request containing the credit
certificate and the
payment amount to the first server;
[0008] The second server receives the paying certificate sent by the second
terminal, the
paying certificate contains the corresponding payment for goods and sends the
paying certificate
to the first server;
[0009] The first server verifies the legitimacy of the paying certificate,
after the verification is
successful, according to the credit certificate, the payment of funds for the
goods corresponding to
the payment account shall be de-blocked;
[0010] The first server transfers the said funds to the pre-set receiving
account through the
second server.
[0011] In one of the examples, before the second server receives the paying
certificate sent by
the second terminal. Also includes:
[0012] The first terminal transmits the confirmed receipt information for
the signed goods to
the second terminal;
[0013] And the second terminal generates a corresponding paying certificate
based on the said
confirmed receipt information.
[0014] In one of the examples, before the second server receives the paying
certificate sent by
the second terminal, the second server also includes:
[0015] The second terminal receives the logistics information corresponding
to the
merchandise returned by the logistics server and generates the corresponding
paying certificate
according to the logistics information.
[0016] In one of the examples, before the first terminal transmits the
credit certificate and the
purchased information data packet to the second terminal, further comprising:
[0017] The first terminal sends the issuing request to the first server,
the issuing request
includes the payment account number and the issuing amount;
[0018] The first server will freeze the funds of the issuing amount
corresponding to the said
payment account number; if the freezing is succeeded, the credit certificate
corresponding to the
issuing amount will be generated, and the said credit certificate shall be
returned to the first
terminal; if the freezing is failed, the issuing failure information will be
generated, and the said
issuing failure information shall be returned to the first terminal.
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[0019] In one of the examples, after the second server sends a payment
request containing the
credit certificate and the payment amount to the first server, the second
server also includes:
[0020] The first server verifies whether the credit certificate is
consistent with the credit
certificate returned to the first terminal and, if so, updates the amount of
the issuance of the credit
certificate to the amount obtained by the amount of the issuing amount minus
the payment amount.
[0021] In one of the examples, after the first server updates the issuing
amount corresponding
to the credit exemption to the amount of the issuing amount minus the payment
amount, the first
server further includes:
[0022] If the first server fails to receive the paying certificate sent by
the second server within
the pre-set time range, the issuance amount of the updated credit certificate
is restored to the
amount of the issuance before the update.
[0023] A kind of network transaction payment method includes:
[0024] The first server receives the first terminal to send the issuing
request, and the issuing
request includes the payment account number and the issuing amount;
[0025] The first server will freeze the funds of the issuing amount
corresponding to the said
payment account number; if the freezing is succeeded, the credit certificate
corresponding to the
issuing amount will be generated, and the said credit certificate shall be
returned to the first
terminal; if the freezing is failed, the issuing failure information will be
generated, and the said
issuing failure information shall be returned to the first terminal.
[0026] The first server receives a payment request including a paying
certificate and a credit
document sent by the second server, the paying certificate includes a
corresponding payment;
[0027] The first server verifies the legitimacy of the paying certificate,
after the verification is
successful, according to the credit certificate, the payment of funds for the
goods corresponding to
the payment account shall be de-blocked;
[0028] The first server transfers the said funds to the pre-set receiving
account through the
second server.
[0029] In one of the examples, after the first server receives the steps of
the payment request
containing the paying certificate and the credit certificate sent by the
second server, the first server
also includes:
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[0030] The first server verifies whether the credit certificate corresponds
to the credit
certificate returned to the first terminal, if so, the credit certificate
corresponded issuing amount
will be updated to the amount that the issuing amount minus payment amount.
[0031] In one of the examples, after the first server updates the issuing
amount corresponding
to the credit certificate to the amount obtained by using the issuing amount
minus the payment
amount, the first server further includes:
[0032] If the first server fails to receive the paying certificate sent by
the second server within
the pre-set time range, the issuance amount of the updated credit certificate
is restored to the
amount of the issuance before the update.
[0033] A kind of network transaction payment system, and the said system
comprising:
[0034] The first terminal for transmitting the credit certificate and the
purchased information
data packet to the second terminal;
[0035] The second terminal for parsing the purchased information data
packet to obtain a
payment amount and determining whether the payment amount is less than or
equal to the issuance
amount corresponding to the credit certificate, and if so, sending receiving
request including the
said payment amount and the said credit certificate to the second server.
[0036] The second server for transmitting a payment request including the
said credit
certificate and the payment amount to the first server to receive a paying
certificate sent by the
second terminal, the paying certificate containing a corresponding payment for
goods, and based
on the payment request, the paying certificate and the credit certificate
shall be sent to the first
server.
[0037] The first server verifies the legitimacy of the paying certificate,
after the verification is
successful, according to the credit document, the payment account
corresponding to the payment
of funds for the goods shall be de-blocked;
[0038] In one of the examples, the first terminal is further configured to
transmit the purchase
information data packet containing the confirmed receipt information of the
signed goods to the
second terminal;
[0039] And the second terminal is further configured to generate a
corresponding paying
certificate based on the confirmation receipt information.
[0040] In one of the examples, the second terminal is further configured
for the second
terminal to receive the logistics information corresponding to the merchandise
returned by the
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logistics server and generate the corresponding paying certificate based on
the logistics
information.
[0041] In one of the examples, the first terminal is further configured to
send an issuing request
to a first server, the issuing request comprising a payment account number and
an issuing amount;
[0042] The first server is also used to freeze the funds corresponding to
the payment amount
of the payment account, and if the freeze is successful, the credit
certificate corresponding to the
issuing amount is generated and the credit document is returned to the first
terminal. If the freeze
fails, the issuing failure message is generated and the issuing failure
message is returned to the
first terminal.
[0043] In one of the examples, the first server is further configured to
verify that the credit
certificate coincides with the credit certificate that returned to the first
terminal, and if so, the
amount of the issuing amount corresponding to the credit certificate is
updated to the amount
obtained by the issuing amount minus the payment amount.
[0044] In one of the examples, the first server is further configured to
restore the issuing
amount corresponding to the updated credit certificate to the pre-update
issuance amount if the
paying certificate sent by the second server is not received within the pre-
set time range.
[0045] For above-mentioned network transaction payment method and system,
the first
terminal corresponds to the buyer, and the buyer has received a credit
certificate before purchasing
the goods, the credit certificate provides guarantee for the buyer to make
payment for the goods,
ensures the security of the seller for receipt, and makes the seller of the
second terminal be at ease;
before the buyer corresponding to the first terminal completes the
transaction, the funds in the
payment account is not paid, the funds security of the buyer is guaranteed.
The network transaction
payment between the above-mentioned methods and systems do not rely on third-
party payment
platform to achieve, and it improves the financial security of on-line
transactions.
Brief Description
[0046] Figure 1 is a flowchart of a network transaction payment method in
one example;
[0047] Figure 2 is an application scene diagram of a network transaction
payment method in
one example;
[0048] Figure 3 is a flowchart of a network transaction payment method in
one example;
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[0049] Figure 4 is a flow chart of a network transaction payment method
after a Step in which
the first server receives a payment request including a paying certificate and
a credit certificate
sent by a second server in one example;
[0050] Figure 5 is a schematic diagram of a structure of a network
transaction payment system
in one example;
Description of the Preferred Examples
[0051] The present invention will be described in further detail with
reference to the
accompanying drawings and the accompanying examples, so as to describe the
invention purposes,
technical solutions and advantages more clearly. 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.
[0052] One of the innovations of the examples of the present invention is
that, in conjunction
with the freeze payment of the silver letter of credit, a new payment model is
implemented, through
which the buyer can contain the seller's transaction progress, and by this
setting, the buyer's
financial security at the same time to urge the seller to actively deliver,
set the conditions in the
various stages of payment, reduce the funds to recover the process to solve
the problem of the end
of the problem, from the system level to ensure that buyers and sellers of the
integrity of the
transaction.
[0053] As shown in Figure 1, in one example, there is provided a network
transaction payment
method comprising the steps of:
[0054] In Step 102, the first terminal transmits the credit certificate and
the purchase
information data packet to the second terminal.
[0055] The first terminal is suitable for the payment party in the payment
of the network
transaction. The second terminal is suitable for the seller in the network
transaction. In one
example, the buyers and sellers complete the network transaction through the
online shopping
platform. The credit certificate is a kind of electronic certificate for
handling payment and
settlement that the buyer uses the corresponding funds of his payment account
to guarantee the
payment for goods. Specifically, the credit certificate corresponds to a
string of specific serial
numbers, which act as unique identifiers of the credit certificate. The
payment account includes a
bank account number or the third party's payment account.
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[0056] The first terminal generates a shopping order based on the
merchandise shopping
information submitted by the user and calculates the amount of payment
required for the purchase
of the order item, and further generates the purchase information data packet
according to the
purchase order and the payment amount. The first terminal sends the purchase
information data
packet together with the credit certificate to the second terminal to realize
the buyer's request to
purchase the merchandise from the seller.
[0057] In one example, the network transaction payment method also
includes: the first
terminal sends an issuing request to the first server before the first
terminal transmits the credit
certificate and the purchase information data packet to the second terminal in
Step 102. The issuing
request includes payment account and issuing amount; The first server freeze
the funds of the
issuing amount corresponding to the payment account, if the freezing is
succeeded, the issuing
amount corresponded credit certificate will be generated; the credit
certificate will be returned to
the first terminal; if the freezing is failed, the issuing certificate failure
information will be
generated, and the issuing certificate failure information will be returned to
the first terminal.
[0058] The buyer in advance before the network transaction out of the
credit certificate,
through the advance payment account corresponding to the funds to show the
seller to the buyer
has the ability to pay the purchase price. In the present example, the first
server is provided with a
payment account by the buyer to pay the payment, and the buyer can freeze the
payment account
corresponding to the payment through the first server and automatically
transfer the payment
account of the seller to the payment to be paid.
[0059] The amount of credit is the credit limit of the credit certificate,
for example, the amount
of 5,000 RMB, out of the credit certificate can be used as a purchase of 5,000
RMB of goods credit
guarantee. The funds of the credit certificate corresponding to the issuing
amount are not diverted
before they are unfrozen. To ensure that the seller to recover the security of
the purchase price.
[0060] In one example, the first terminal establishes a connection with the
first server over the
network. The issuing request also contains the user name and user password of
the payment
account. The first server verifies whether the buyer has permission to open
the credit by checking
the user name and the user password. In one example, the reason for the
failure of the issuance
request includes that the amount corresponding to the payment account is less
than the amount of
the issuing or the legitimacy verification of the first server to the issuing
request, etc. If the first
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server will not be able to generate the credit certificate, it will issue a
failure message to the first
terminal to remind the buyer.
[0061] In Step 103, the second terminal parses the purchase information
data packet to obtain
the payment amount and determines whether the payment amount is less than or
equal to the
amount of the issuance corresponding to the credit certificate. If so, the
process proceeds to Step
104, if not.
[0062] In the present example, the second terminal, after receiving the
shopping data packet,
further judges whether the buyer has sufficient funds to pay for the purchased
goods. In the present
example, if it is determined whether or not the payment amount is equal to or
less than the amount
of the issuance corresponding to the credit certificate, if it is, the buyer's
frozen funds are sufficient
to pay the purchase of the merchandise network transaction, and the process
proceeds to Step 104.
If not, then the buyer to freeze the lack of funds to pay for the purchase of
goods The network
transactions failed, buyers can choose to buy other goods or exit the shopping
platform.
[0063] In Step 104, the second terminal transmits a payment request
including the payment
amount and the credit certificate to the second server.
[0064] The second server is connected with the second terminal through the
network, the
second server is provided with the receiving account of the buyer, and the
second server is used to
transfer the payment of the purchased goods paid by the buyer into the
receiving account, and in
one example, the second server is pre-set with the account number. After the
seller receives the
buyer's shopping request, further, the second terminal sends a payment request
to the second
server, and the second server requests payment from the first server to the
first server.
[0065] In Step 105, the second server sends a payment request containing
the credit certificate
and the payment amount to the first server.
[0066] In the present example, when the second server receives the
receiving request sent by
the second terminal, the second server transmits the payment request to the
first server according
to the receiving request, that is, to notify that the first server credit
certificate corresponded the
issuing amount shall be used for payment for goods in on-line transactions.
During the course of a
network transaction, the funds for the corresponding amount of the credit will
not be diverted.
[0067] In one example, on the right of Step 105, the method also includes:
whether the first
server verifies if the credit certificate is consistent with the credit
certificate returned to the first
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terminal and, if so, updates the issuing amount corresponding to the credit
certificate shall be
updated to the amount that the issuing amount minus the payment amount.
[0068] The first server judges whether the credit document sent by the
second server is
generated by itself, and if so, the credit certificate is legally valid. As
the credit card corresponding
to the amount of the amount of funds has been partially or all will be used to
pay the payment, and
further credit card corresponding to the amount of funds to make the
appropriate adjustments, by
issuing the amount minus the amount of payment to reset the corresponding
credit certificate The
amount of the buyer to facilitate the next shopping, to avoid buyers after the
purchase of credit
certificate corresponding to the amount of money to pay all the money.
[0069] In one example, after the first server updates the issuing amount
corresponding the
credit certificate to the amount that the issuing amount minus the payment
amount, the method
also includes:
[0070] If the first server fails to receive the paying certificate sent by
the second server within
the pre-set time range, the issuance amount of the updated credit certificate
is restored to the
amount of the issuance before the update.
[0071] In the present example, the network transaction process is limited
to the pre-set time
range, that is, the time from the order of the buyer to the seller to the
buyer's receipt is set within
the pre-set time range. If the first server does not receive the receipt
document sent by the second
server within the pre-set time range, the default network transaction has been
suspended for some
reason. For example, the unqualified buyer refused to sign or the buyer and
the seller reached an
agreement to cancel the network transaction and other reasons. As the buyer
has no obligation to
pay the purchase price, in order not to affect the buyer's next shopping
credit certificate
corresponding to the amount of the amount of recovery back to the amount
before the update.
[0072] In Step 106, the second server receives the paying certificate sent
by the first terminal,
the paying certificate contains the corresponding payment, and sends the
paying certificate to the
first server.
[0073] In the actual network transaction process, the buyer receives the
goods and the seller to
send the goods may be different, resulting in the amount of payment payable
may be different with
the actual amount of payment. For example, the buyer in the seller's shop to
buy five cups, but the
buyer because of which two cups failed to sign only one of the three cups,
paying certificates
corresponding to the money should be three cups of money instead of 5 A cup of
money. The
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second terminal generates the paying certificate based on the information of
the network
transaction which the buyer and the seller has completed, and sends the paying
certificate to the
second server, and the second server requests the first server to pay the
payment.
[0074] In one example, at Step 106, before the second server receives the
paying certificate
sent by the second terminal, the method also includes: the first terminal
transmits the confirmed
receipt information of the signed goods to the second terminal; the second
terminal generates the
corresponding paying certificate as per the confirmed receipt information.
[0075] In the present example, the buyer may voluntarily send to the seller
a receipt
information confirming that the goods have been checked, and the buyer, by
clicking on the
merchandise by the first terminal on the shopping platform, confirms the goods
receipt, and further
triggering the first terminal and transmits the confirmation receipt
information to the second
terminal. The second terminal generates the paying certificate based on the
confirmation receipt
information.
[0076] In another example, at Step 106, the second server receives the
paying certificate sent
by the second terminal, the method further comprising:
[0077] The second terminal receives the logistics information corresponding
to the
merchandise returned by the logistics server and generates the corresponding
paying certificate
according to the logistics information.
[0078] In the present example, when the buyer sends the issuing request
through the first
terminal, the payment is set by the credit document, and the payment is made
in accordance with
the logistics information of the merchandise. The merchandise's logistics
information will be
recorded in the logistics server, for example, when the goods are received by
the consignee, the
logistics company's staff will be the goods have been signed information into
the logistics server,
which has signed the information, including the recipient's signature and Sign
time and other
information.
[0079] The logistics server realizes the logistics information of the goods
to the second
terminal in real time, and the logistics information obtained by the second
terminal conforms to
the pre-set condition, that is, the corresponding paying certificate is
generated according to the
logistics information. For example, the logistics server records the logistics
information that the
seller completed the delivery task, the generated paying certificate requires
the buyer to pay part
of the purchase price, when the logistics server records the logistics
information that the buyer has
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signed the goods, the generated paying certificates need to buy Home to pay
the remaining
payment.
[0080] The first. server according to the logistics information of the
goods in batches to pay
the credit corresponding to the funds, the goods will be divided into multiple
stages of payment,
you can encourage the seller to actively fulfil the obligations of the
implementation of the contract
to ensure that the buyer's funds at the same time urge the seller active
Delivery, to achieve the
integrity of buyers and sellers transactions.
[0081] In one example, the logistics server sends the logistics number
corresponding to the
goods after shipment to the first terminal and the second terminal to
facilitate the transaction
tracking of the buyers and sellers to the purchased goods.
[0082] In Step 107, the first server verifies the legitimacy of the paying
certificate, after the
verification is successful, according to the credit certificate, the funds for
payment of the goods
corresponding to the payment account shall be de-blocked.
[0083] In Step 108, the first server transfers the funds to the pre-set
receiving account through
the second server.
[0084] In the present example, the first server pays the debit amount of
the debit amount
corresponding to the payment account to the pre-set collection account through
the second server,
thereby realizing the payment obligation of the buyer to purchase the goods.
Completed the
network transaction.
[0085] In one example, data packets are tampered with in order to prevent
data leakage or
encounter hacking. Data such as purchase information data packets, paying
certificates and credit
certificates are encrypted during the transmission process, that is, the above
data packets contain
the encryption section. Specifically, the above data contains the encryption
section using the MAC
algorithm for encryption.
[0086] The above-mentioned network transaction payment method, the first
terminal
corresponded buyer has already obtained the credit certificate before he
purchase the goods, the
credit certificate provides guarantee for the buyer to make payment for the
goods, ensures seller's
gathering security, and makes the seller be ease to make delivery. Before the
first terminal
corresponded the buyer completes the transaction, the fund of the payment
account will not pay
out. The security of the buyer is guaranteed. The above method of network
transaction payment is
achieved without relying on the third-party payment platform, and it improves
the funds security
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of on-line transactions. At the same time, the payment for goods within the
payment account of
the buyer does not have to pay in advance, in case the seller did not complete
the delivery, the
payment for goods can gain interest in the corresponding account of the
payment account, which
increases the funds gains of the buyer.
[0087] As shown in picture 2. In one example, the buyer A issues an issuing
request for a 5,000
RMB credit certificate to the first server 22 through the first terminal 21,
and the first server 22
will freeze the deposit amount of 5,000 RMB in the payment account and will
generate the credit
certificate with a value of 5,000 and return the first terminal 21. On the
shopping platform, the
buyer A goes into the seller B's e-shop to buy goods, but the purchased goods
must be less than or
equal to 5,000 RMB so as to achieve the transaction. The payment for goods
purchased by the
buyer A is guaranteed by the 5,000 RMB credit guarantee. After the buyer and
the seller have
reached a deal agreement, the seller B arranges the logistics company to send
the goods. The
logistics company records the logistics information of the merchandise into
the logistics server 25,
the logistics server 25 returns the logistics information to the second
terminal 23, the second
terminal 23 generates the corresponding paying certificate, and the second
terminal 23 transmits
the paying certificate to the second server 24, the second server 24 sends a
paying certificate and
a credit certificate request payment for goods to the first server 22, the
first server 22 de-blocks
the funds in the payment account according to the credit certificate, and
transfers the funds to the
receiving account of the seller B through the second server 24 so as to
complete the network
transaction payment.
[0088] In one example, as shown in Figure 3, there is provided a network
transaction payment
method that applies the first server; the method comprises the steps as below:
[0089] In Step 302, the first server receives the first terminal to send
the issuing request, and
the issuing request includes the payment account number and the issuing
amount.
[0090] In Step 304, the first server will freeze the funds corresponding to
the issuing amount
of the payment account number, and if the freezing is successful, the credit
certificate
corresponding to the issuing amount is generated and the credit certificate is
returned to the first
terminal. If the freezing fails, the issuing failure message generates, and
the issuing failure message
will be returned to the first terminal.
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[0091] In Step 306, the first server receives the payment request including
the paying
certificate and the credit document sent by the second server, and the paying
certificate contains
the corresponding payment for goods.
[0092] In Step 308, the first server verifies the legitimacy of the paying
certificate, after the
verification is successful, according to the credit certificate, the funds for
payment of the goods
corresponding to the payment account shall be de-blocked.
[0093] In Step 310, the first server transfers the funds to the pre-set
receiving account through
the second server.
[0094] In one example, at Step 310, the first server passes the funds
through the second server
to the pre-set payment account, the method further comprising: the first
server generates a message
that the payment was successful and sends the message that the payment was
successful to the first
terminal.
[0095] As shown in Figure 4, in one example, in Step 306, the first server
receives the payment
request containing the paying certificate and the credit certificate sent by
the second server, further
comprising:
[0096] In Step 402, the first server verifies whether the credit
certificate corresponds to the
credit certificate returned to the first terminal. If so, then go to Step 404,
if not, then the end.
[0097] In Step 404, the amount of the card issuance corresponding to the
credit is updated to
the amount obtained by the amount of the debit amount minus the payment
amount.
[0098] In one example, in Step 404, after the first server updates the
issuing amount
corresponding to the credit certificate to the amount obtained by the issuing
amount minus the
payment amount, and the method also includes:
[0099] In Step 406, when the first server does not receive the paying
certificate sent by the
second server within the pre-set time range, the issuance amount corresponding
to the updated
credit certificate is restored to the amount of the transaction before the
update.
[0100] As shown in Figure 5, there is provided a network transaction
payment system
comprising: a first terminal, a second terminal, a first server, and a second
server, wherein the first
terminal 11 is connected to the first server 12; the terminal 13 is connected
to the second server
14, the first terminal 11 is connected to the second terminal 13, and the
first server 12 is connected
to the second server 14. The first terminal 12 is connected to the second
server 14,
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[0101] The first terminal 11 is used for transmitting a credit certificate
and a purchase
information data packet to the second terminal 13. The first terminal 11,
[0102] The second terminal 13 is used for parsing the payment amount of the
purchase
information data packet and determining whether or not the payment amount is
equal to or less
than the issuance amount corresponding to the credit certificate, and if so,
sending the payment
request including the payment amount and the credit certificate to the second
server 14 The
[0103] The second server 14 is used for sending a payment request including
a credit certificate
and a payment amount to the first server 12, the paying certificate is sent by
the second terminal
13, and the paying certificate containing a corresponding payment for goods;
in accordance with
the payment request, the paying certificate and the credit certificate are
sent to the first server 12.
[0104] The first server 12 verifies the legitimacy of the paying
certificate, and after the
verification is successful, the payment for goods corresponding to the payment
account is de-
blocked according to the credit certificate, and the funds are transferred to
the pre-set receiving
account through the second server 14.
[0105] In one example, the first terminal 11 is also used to send the
confirmed receipt
information to which the goods have been signed to the second terminal 13. In
one example,
[0106] The second terminal 13 is also used to generate the corresponding
paying certificate
based on the confirmation receipt information.
[0107] In one example, the second terminal 13 is also used for the second
terminal 13 to
receive the logistics information corresponding to the merchandise returned by
the logistics server
and generate the corresponding paying certificate based on the logistics
information.
[0108] In one example, the first server 12 is also used to generate a
message that the payment
was successful and to send a message that the payment was successful to the
first terminal 11. In
one example,
[0109] In one example, the second server 14 is also used to generate a
message that the
payment was successful and send a message that the payment was successful to
the second terminal
13. In one example,
101101 In one example, the first terminal 11 is also used to send the
issuing request to the first
server 12, which includes the payment account and the issuing amount.
[0111] In one example, the first server 12 is also used to freeze the funds
of the payment
account corresponding to the issuing amount, and if the freeze is successful,
the credit certificate
14
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corresponding to the issuing amount is generated and the credit certificate is
returned to the first
terminal 11 The freeze fails to generate a fail-off message and returns the
issuing failure message
to the first terminal 11.
[0112] In one example, the first server 12 is also used to verify that the
credit certificates are
consistent with the credit certificates returned to the first terminal 11 and,
if so, update the issuing
amount corresponding to the credit certificate to the issuing amount minus the
payment amount
after the amount obtained.
[0113] In one example, the first server 12 is further configured to restore
the payment amount
corresponding to the updated credit certificate to the pre-update issuing
amount if the paying
certificate sent by the second server 14 is not received within the pre-set
time range.
[0114] The ordinary technicians in the field that can understand and
implement all or part of
the processes in the above mentioned method of the examples which can be
accomplished by
means of a computer program that can be stored in a computer-readable storage
medium. The
program may, when executed, include flows of all examples as described above.
Among them,
said storage medium can be a magnetic disk, an optical disk, a read-only
memory (ROM) or a
random access memory (RAM), etc.
[0115] The characteristics of technology in the above example can be
arbitrarily combined. In
order to simplify the description, it does not describe all the possible
combinations of the various
characteristics of technology in the above examples, however, as long as the
combination of these
characteristics of technology are not conflict, it should be considered in the
scope of this manual
records.
[0116] The above-described examples show only a few methods of execution of
the present
invention, and its descriptions are comparatively specific and detailed,
however, it can not to be
construed as a limitation of the scope of the invention patent. It should be
noted that various
modifications and improvements can be made by those skilled in the field
without departing from
the inventive concept, which belong to the protection scope of the present
invention. Accordingly,
the protection scope of patent of the present invention should be measured by
the appended claims.
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