Note: Descriptions are shown in the official language in which they were submitted.
METHOD AND DEVICE FOR REJECTING RECEIPT OF CERTIFICATE
Technical Field
[0001] The present invention relates to the field of network payment
technology, and in
particular, to a method and device for rejecting a certificate.
Background
[0002] E-commerce using the Internet platform to connect the parties involved
in traditional
business activities (buyers, sellers, logistics companies, financial
institutions, etc.), the whole
transaction process is networked, electronically and informational, thus
reducing the cost of the
transaction and improving the efficiency of the transaction. However, in the
current E-commerce
applications, the transfer of funds mainly depends on the traditional way of
electronic direct
transfer payment and third-party payment, with a single payment method.
Summary
[0003] The main object of the present invention is to provide a method and
device for rejecting
a certificate, aiming to provide a termination of an electronic certificate.
[0004] In order to achieve the above objective, the present invention provides
a method for
rejecting a certificate and applying it to a server. The method includes:
[0005] The instruction issued by the receiving terminal refuses to receive the
electronic
certificate;
[0006] Processing the instruction for refusing to receive the electronic
certificate according to
the status information of the electronic certificate, and feeding back the
processing result to the
terminal;
[0007] The state information of the electronic certificate is updated.
[0008] The present invention also provides a method for rejecting a
certificate, which is
applicable to a terminal. The method includes:
[0009] Receiving information to be received electronic certificate, the
information to be
received electronic certificate includes the identity information specified by
the electronic
certificate;
[0010] Issuing instructions for refusing to receive electronic certificate;
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[0011] Receive server-terminal processing results.
[0012] The present invention also proposes a device applied to server-terminal
refusal of
admission, the device includes:
[0013] Receiving module is set to receive instructions issued by the terminal
refuse to receive
electronic certificate;
[0014] A processing module is used to process the instruction for refusing to
receive the
electronic certificate according to the status information of the electronic
certificate, and
feedback the processing result to the terminal;
[0015] An updating module is used to update status information of the
electronic certificate.
[0016] The present invention provides a method and device for rejecting a
certificate. In the
present invention, after the terminal receives the certificate prompt
information, the terminal
refuses to receive the electronic certificate to change the state of the
electronic certificate,
thereby adding a termination of the electronic certificate to improve the user
experience during
the interactive process of the electronic certificate.
Brief Description of the Drawings
[0017] Figure 1 is a flow chart of a method for rejecting a certificate
according to the first
example of the present invention;
[0018] Figure 2 is a flow chart of a method for rejecting a certificate
according to Example 2
of the present invention;
[0019] Figure 3 is the example of this invention claims a method of rejecting
a card;
[0020] Figure 4 is a schematic structural diagram of a device for refusing
certificate of
admission according to Example 4 of the present invention.
[0021] The realization of the object of the present invention, features and
advantages of the
present invention will be further described with reference to the accompanying
drawings.
Detailed Description
[0022] It is to be understood that the specific examples described herein are
merely illustrative
of the invention but not intended to limit the invention.
[0023] In the examples of the present invention, an electronic certificate is
applied to a new
type of network payment method, which greatly reduces the transaction risk and
protects the
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interests of buyers and sellers relative to the traditional network payment
method. The buyer
applies for funds management account with its account funds or credit limit as
a security deposit,
and the fund management institution promises to process the payment and
settlement of
electronic credit certificates according to the terms of the settlement. The
payment method is
based on the fund management institution credit commitment to pay a basic tool
for Internet
innovation, mainly aim at the buyer's commodity, the seller downloads the
access interface of the
cashier. The buyer completes the opening of electronic certificate, the seller
completes the
receipt, performs the contract, delivers the solution, and finally
automatically releases the
electronic credit certificate. The payment method cannot only be purchased
with the commodity,
but can also be used for collateral.
[0024] In the basic process of electronic certificate, the issuer to the bank
for the process of
issuing a permit, you need to fill in a number of information, such as the
issuer's identity
information, the account information for the freezing of funds, In the case,
you also need to fill in
the credit card information, payment mode and other information, after
completing the
information, the user to complete the information to the bank to complete the
issuing.
[0025] In the example of the present invention relates to the electronic
certificate is funds
management institution according to the applicant's application to freeze the
applicant's funds or
credit limit and opened in the name of the bank, and promised to settle in
accordance with the
terms of the agreement payment certificate of electronic credit commitment.
The electronic
certificate may be a buyer's commodity. The seller downloads the check-in
interface, and the
buyer completes the issuance of the electronic certificate. The seller
completes the receipt and
performance and submits the payment. The electronic certificate expires
automatically. The
electronic certificate can be purchased not only for buying commodity, but
also be used for
mortgage guarantees. In the examples of the present invention, funds
management institution
refers to institutions that can support the flow of funds, including but not
limited to banks and
other financial institutions (such as securities institutions).
Correspondingly, Funds-Management
server includes a bank server or other financial institution server; funds
management account
includes a bank loan account or an account of another financial institution.
[0026] The process of online payment transaction via electronic certificate is
generally as
follows: After the buyer and the seller form the order, the buyer applies for
issuing the certificate
to the Funds-Management server (the server of issuing funds management
institution) through
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the applicant (issuing terminal). Of course, the buyer can also take the
initiative to apply for a
license without a transaction order. After the Funds-Management server accepts
the application,
it opens an electronic certificate according to the issuing application and
freezes the funds or
credit line of the buyer's account for the corresponding amount. After
confirming the order, the
seller applies for the certificate to the second Funds-Management server
(i.e., the server of the
funds management institution) via the seller's terminal (the receiving
terminal, i.e., the terminal
in this example), and the second Funds-Management server verifies the
information and receives
the certificate. Electronic certificate into compliance period, waiting for
the seller to deliver
commodity or provide services. After the seller fulfils the contract during
the performance
period, the second Funds-Management server submits the fulfilment information
(such as
logistics number), the second Funds-Management server changes the status of
the electronic
certificate, and the electronic certificate enters the period of receipt and
waits for the buyer to
sign for the commodity. When the buyer signs the commodity within the period
of receipt, that is
to say, the seller completes the corresponding transaction conditions
according to the settlement
conditions of the electronic certificate, and the electronic certificate
enters the settlement period.
The seller applies for the second Funds-Management server to apply for the
settlement to the
Funds-Management server within the time limit for applying for settlement, and
after the Funds-
Management server determines that the conditions for the settlement have been
reached, the
funds or credit of the frozen amount of the buyer's account is released The
funds will be
transferred to the second Funds-Management server, and the funds will be
transferred by the
second Funds-Management server into the seller's designated receiving account
(i.e., the
collecting account). At this point, the completion of online payment, the
entire transaction is
completed.
[0027] In this example of the present invention, the terminal is a device that
delivers an
instruction for refusing to receive an electronic certificate to a server
(that is, a Funds-
Management server), and may be a terminal operated by a natural person, a
legal person or his
organization, and the certificate collector) refuses to receive the electronic
certificate from the
server through the terminal, and the server processes the instruction for
rejecting the electronic
certificate according to the status information of the electronic certificate,
and feeds back the
processing result to the terminal.
[0028] Example 1
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[0029] Figure 1 is a flow chart of a method for rejecting a certificate
provided in this example.
[0030] The method of rejecting a certificate in this example includes:
[0031] S11, receiving instructions issued by the receiving terminal refusing
to receive the
electronic certificate;
[0032] Before step S11, the seller or the recipient is called a collector.
After the seller sells a
product, the buyer is also called an issuer, and applies for an electronic
certificate to the server,
i.e., the issuing bank, after the server freezes the corresponding funds (or
credit limit) of the
issuer account, it opens an electronic certificate and delivers the
information of the electronic
certificate to the receiver. If the receiving party receives the electronic
certificate, the transaction
is completed. If for any other reason, such as the amount of the electronic
certificate is incorrect
and the recipient refuses to collect the certificate, the terminal in this
example issues an
instruction to refuse the electronic certificate to the server. The server
Receiving terminal refused
to charge electronic certificate instruction.
[0033] 512, processing the instruction for refusing to receive the electronic
certificate
according to the status information of the electronic certificate, and feeding
back the processing
result to the terminal;
[0034] 513, updating the state information of the electronic certificate;
[0035] In this example, after receiving the certificate prompt information,
the terminal refuses
to receive the electronic certificate through the server, thereby increasing
the termination of an
electronic certificate and improving the user experience of the electronic
certificate in the
interaction process.
[0036] Example 2
[0037] The method of rejecting a certificate in this example includes:
[0038] 521, receiving instructions issued by the receiving terminal refusing
to receive the
electronic certificate;
[0039] The electronic certificate refers to the issuer (buyer) opened with the
bank account
funds or credit limit as a guarantee, the bank promised to pay the settlement
in accordance with
the settlement conditions of the electronic credit certificate, electronic
certificate of the issuing
process: the issuer or the payer applies to his bank for opening an electronic
certificate. After the
bank receives the application from the client, the bank may freeze the funds
or assets of the
application amount according to the disposable funds of the bank account, the
credit limit or the
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guarantee conditions of the financial asset, etc. Open an electronic
certificate. After the buyer
opens the card, it will trigger a period of collection.
[0040] The basic process of electronic certificate collection is as follows:
the issuer applies for
electronic certificate issuance to the Funds-Management server, and the Funds-
Management
server opens the electronic certificate after freezing the corresponding fund
(or credit limit) of
the issuer account. The collector applies for the certificate to the server
terminal, and the server
terminal receives the issuing request according to the receipt request.
[0041] In this example, after step S21, the method further includes:
[0042] S22, judging whether the identity information matches the identity
information
specified by the electronic certificate according to the identity information
submitted by the
terminal;
[0043] If the identity information submitted by the terminal does not match
the identity
information of the seller designated by the electronic certificate, the method
proceeds to step
S25. An information prompt of identity inconsistency is delivered to the
terminal; at this time, an
operation of rejecting the identity card cannot be performed.
[0044] If the terminal matches the identity information specified by the
electronic certificate,
then step S23 is entered.
[0045] S23, processing the instruction for refusing to receive the electronic
certificate
according to the status information of the electronic certificate, and feeding
back the processing
result to the terminal;
[0046] In this example, the processing of the instruction for rejecting the
electronic certificate
according to the state information of the electronic certificate includes:
[0047] The server obtains the state information of the electronic certificate,
where the state
information includes the current state of the electronic certificate: for
example, the issuing
period, the collection period, or the expiration period due to exceeding the
operation time limit,
the status information can be obtained from the database on the server side;
[0048] judging whether the electronic certificate is invalid according to the
status information;
if the electronic certificate has failed, for example, the electronic
certificate has expired, for
example, there is no need to register the electronic certificate or to reject
the electronic card;
[0049] If it has not expired, it is determined whether the electronic
certificate has been
received. If it has been received, it can no longer be rejected;
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[0050] If the electronic certificate is not received, then the state of
updating the electronic
certificate is invalid.
[0051] Specifically, it is determined whether the electronic certificate has
been received, if yes,
the electronic certificate has been collected and prompted whether the seller
needs to return the
information; when it is determined that the electronic certificate is not
received and feeds back
the rejection success information to the terminal; meanwhile, the server
delivers the information
of the electronic certificate invalid to the Funds-Management server of the
electronic certificate.
[0052] S24, updating the state information of the electronic certificate
according to the
processing result, changing the state of the electronic certificate to a
failed state.
[0053] In this example, after receiving the certificate prompt information,
the terminal refuses
to receive the electronic certificate through the server, thereby increasing
the termination of an
electronic certificate and improving the user experience of the electronic
certificate in the
interaction process.
[0054] Example 3
[0055] As shown in Figure 3, the method for rejecting a certificate applied to
a terminal in this
example includes:
[0056] S31: Receiving information to be received electronic certificate, the
information to be
received electronic certificate includes the identity information specified by
the electronic
certificate;
[0057] In this example, the terminal is also known as the seller or the
collector, after selling a
commodity, the buyer is also called the issuer, the Funds-Management server
that is, the issuing
bank to apply for an electronic certificate issuance, Funds- The management
server opens the
electronic certificate after freezing the corresponding fund (or credit limit)
of the issuer account
and delivers the electronic certificate to the receiver. If the receiver
receives the electronic
certificate, the transaction is completed. If the transaction is completed due
to other reasons, if
the certificate is rejected, the receiver rejects the certificate, and
delivers an instruction to the
server to reject the electronic certificate. The information about the
electronic certificate to be
received includes the identity information specified by the electronic
certificate.
[0058] S32, issued a refusal to charge electronic certificate instruction;
[0059] After receiving the instruction of refusing to receive the electronic
certificate, the server
determines whether the identity information matches the identity information
specified by the
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electronic certificate according to the identity information submitted by the
terminal.
[0060] If the terminal does not match the identity information of the seller
designated by the
electronic certificate, the terminal delivers an information prompt of
inconsistent identity to the
terminal; at this time, the terminal cannot perform the operation of rejecting
the identity card.
[0061] If the terminal matches the identity information specified by the
electronic certificate,
the terminal rejects the instruction for refusing the electronic certificate
according to the status
information of the electronic certificate, and feeds back the processing
result to the terminal.
[0062] S33, receiving the server-terminal processing result.
[0063] In the step S33, there are the following cases of the processing
result:
[0064] When it is judged that the electronic certificate is invalid, feeding
back failure
information of the electronic certificate to the terminal;
[0065] After determining whether the electronic certificate has been received,
the method
further includes: if yes, the electronic certificate has been collected and
prompted whether the
seller needs to return the information; when it is determined that the
electronic certificate is not
received and feeds back the rejection success information to the terminal;
meanwhile, the server
delivers the information of the electronic certificate invalid to the Funds-
Management server of
the electronic certificate.
[0066] Example 4
[0067] As shown in Figure 4, the device for rejecting a certificate applied to
a server in this
example includes:
[0068] Receiving module is set to receive instructions issued by the terminal
refuse to receive
electronic certificate;
[0069] A processing module is used to process the instruction for refusing to
receive the
electronic certificate according to the status information of the electronic
certificate, and feed
back the processing result to the terminal;
[0070] An updating module is used to update status information of the
electronic certificate.
[0071] In this example, the processing module includes:
[0072] A status acquisition module is used to obtain status information of the
electronic
certificate, if yes, the electronic certificate has been collected and
prompted whether the seller
needs to return the information; when it is determined that the electronic
certificate is not
received and feeds back the rejection success information to the terminal;
meanwhile, the server
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delivers the information of the electronic certificate invalid to the Funds-
Management server of
the electronic certificate;
[0073] The failure judgement unit is set to determine whether the electronic
certificate is
invalid. If it has expired, for example, it has exceeded the time of receipt,
it does not need to
carry out the collection, nor does it need to conduct the operation to refuse
the certificate.
[0074] A collection judgement unit is used to judge whether the electronic
certificate has been
received when the electronic certificate has not expired; and if the
electronic certificate has been
received, the electronic certificate can not be rejected again;
[0075] An updating unit is used to update the state of the electronic
certificate as invalid when
the electronic certificate is not received.
[0076] In this example, the feedback unit is specifically used to feed back
the failure
information of the electronic certificate to the terminal after determining
that the electronic
certificate is invalid;
[0077] When it is determined that the electronic certificate has been
received, the terminal is
fed back the electronic certificate that the electronic certificate has been
received and prompting
the seller whether to return;
[0078] When it is determined that the electronic certificate is not accepted,
feed back the
processing success information to the terminal.
[0079] In this example, the processing module further includes:
[0080] A failure feedback unit is used to feed back the failure information of
the electronic
certificate to the terminal after judging that the electronic certificate is
invalid;
[0081] A collection feedback unit is sued to when it is determined that the
electronic certificate
has been received, the terminal is fed back the electronic certificate that
the electronic certificate
has been received and prompting the seller whether to return;
[0082] The ending feedback unit is used to feed back the processing success
information to the
terminal when it is determined that the electronic certificate is not
received.
[0083] It will be understood by the ordinary skill in the field that the
realization of all or part of
the steps of the method described above may be controlled by a program to
control the associated
hardware completion, which may be stored in a computer-readable storage
medium. The storage
medium may be ROM / RAM, a magnetic disk, an optical disk, etc.
[0084] It is to be understood that the above is only a preferred example of
the present invention
Date Recue/Date Received 2020-12-17
and is not intended to limit the scope of the invention as a matter of
limitation, either by way of
equivalent construction or equivalent process transformation using the present
specification and
the accompanying drawings, directly or indirectly used in other related
technical fields, which
are included in the scope of the patent protection of the present invention.
[0085] The present invention provides a method and device for rejecting a
certificate. In the
present invention, after the terminal receives the certificate prompt
information, the terminal
refuses to receive the electronic certificate to change the state of the
electronic certificate,
thereby adding a termination of the electronic certificate to improve the user
experience during
the interactive process of the electronic certificate. Therefore, it has
industrial applicability.
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