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;
[0007] The second server sends a payment request containing the credit
certificate and the
payment amount to the first server;
1
Date recue/Date received 2023-03-17
[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.
[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.
2
Date recue/Date received 2023-03-17
[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:
[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:
3
Date recue/Date received 2023-03-17
[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 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.
4
Date recue/Date received 2023-03-17
[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;
[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 function of a credit certificate including freezing a payent, a new
payment model is
implemented. The advantages of the new payment model include the buyer keeping
the seller's
transaction progress at bay selectively, not only ensuring the buyer's
financial security but also urging
the commodity delivery by the seller, setting the conditions at each stage of
the payment process to
reduce the workflow on the fund recovery and collect final payment effectively
and successfully,
ensuring the integrity of transactions between buyers and sellers at the
institutional level.
[0053] As shown in Figure 1, in one example, there is provided a network
transaction payment
method comprising the steps of:
Date recue/Date received 2023-03-17
[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.
[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.
6
Date recue/Date received 2023-03-17
[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 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 terminal
7
Date recue/Date received 2023-03-17
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 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
8
Date recue/Date received 2023-03-17
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 infounation 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 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, transfers the funds
corresponding to the credit certificate in batches, in other words the payment
of the goods is divided
to be paid at multiple stages of the payment process, it encourages the seller
to actively fulfil the
obligations of the contract, not only ensuring the buyer's financial security
but also urging the
commodity delivery by the seller, to achieve the integrity of transactions
between buyers and sellers.
[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.
9
Date recue/Date received 2023-03-17
[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 infolination 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 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
Date recue/Date received 2023-03-17
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.
[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.
11
Date recue/Date received 2023-03-17
[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,
[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,
12
Date recue/Date received 2023-03-17
[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,
[0110] 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
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 teiminal 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.
13
Date recue/Date received 2023-03-17
