Note: Descriptions are shown in the official language in which they were submitted.
ELECTRONIC CERTIFICATE PAYMENT INFORMATION TRANSMISSION METHOD,
DEVICE AND SYSTEM
Technical Field
[0001] The present invention relates to the field of Internet finance
technology, and in
particular, to a method, a device and a system for transferring payment
information of an
electronic 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.
[0003] At present, there is a new type of financial instruments to pay with
credit
commitments, electronic credit certificate payment relative to the traditional
network
payment methods, it greatly reducing the transaction risk, protect the
interests of buyers and
sellers. After the opening of the electronic credit certificate, the validity
period is divided into
three periods, the time limit is set out in the electronic credit certificate,
which are the receipt,
performance and the deadline of applying for payment. If the corresponding
action is not
implemented within the time limit, the electronic credit certificate will be
invalid. Therefore,
in the process of E-commerce transactions, after the commodity are signed, it
is necessary to
apply for the Funds-Management server to apply for the information of payment
in the
application period, and promptly deliver the payment information so as to
ensure the validity
of the electronic credit certificate and timely transfer of funds, otherwise
it is easy to cause
the electronic credit certificate invalid and terminate the transaction.
Summary
[0004] In view of this, the technical problem to be solved by the present
invention is to
provide a method, an device and a system for transmitting payment information
of an
electronic certificate to solve the technical problem of timely delivery of
compliance
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information and smooth transition to the next stage.
[0005] The technical solution of the present invention to solve the above-
mentioned
technical problems is as follows:
[0006] According to one aspect of the present invention, it is provided a
method for
transferring payment information of an electronic certificate, including the
following steps:
[0007] After the buyer terminal is informed of the receipt of the commodity
information,
payment information is generated, and the payment information is delivered to
the first
Funds-Management server;
[0008] After receiving the payment information, the first Funds-Management
server
updates the status of the corresponding electronic certificate to be released,
and synchronizes
the status of the electronic certificate to the second Funds-Management
server.
[0009] According to another aspect of the present invention, it is provided a
method for
transmitting performance information of an electronic certificate, which is
applied to a buyer.
The method includes the following steps:
[0010] The buyer generate the payment information after receiving the receipt
information;
[0011] Deliver payment information to the first Funds-Management server.
[0012] According to another aspect of the present invention, it is provided a
method for
transferring payment information of an electronic certificate, which is
applied to a first
Funds-Management server. The method includes the following steps:
[0013] After receiving the payment information delivered by the buyer, the
status of the
corresponding electronic certificate is updated to be released.
[0014] The state of the electronic certificate is synchronized to the second
Funds-
Management server.
[0015] According to another aspect of the present invention, it is provided an
electronic
certificate compliance information transmission device applied to a buyer
terminal, the
device comprising the following modules:
[0016] Acquisition module is set to get the commodity receipt information;
[0017] A generating module used to generate payment information after it is
informed of
the receipt of the commodity;
[0018] A delivering module is set to deliver the payment information to the
first Funds-
Management server.
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[0019] According to another aspect of the present invention, it is provided an
electronic
certificate settlement information transmission device applied to a first
Funds-Management
server. The device includes the following modules:
[0020] A receiving module is set to receive the buyer to deliver the payment
information;
[0021] The status updating module is used to after receiving the payment
information
delivered by the buyer, the status of the corresponding electronic certificate
is updated to be
released;
[0022] The status synchronization module is used to synchronize the state of
the electronic
certificate to the second Funds-Management server.
[0023] According to another aspect of the present invention, it is provided a
settlement
information transmission system including:
[0024] The buyer terminal is used to generate payment settlement information
after
learning that the commodity are received, and deliver the payment settlement
information to
the first Funds-Management server;
[0025] The first Funds-Management server is used to, after receiving the
payment
information, update the status of the corresponding electronic certificate to
be released, and
synchronize the status of the electronic certificate to the second Funds-
Management server.
[0026] A method, a device, and a system for releasing payment information of
an
electronic certificate provided in the examples of the present invention are
provided. When
an item is received during the E-commerce transaction, the buyer returns
feedback
information to the first Funds-Management server, so that the electronic
certificate can be
continuously and effectively transferred to the next state, so as to ensure
that the electronic
certificate can be paid in a timely manner.
Brief Description of the Drawings
[0027] Figure 1 is a flowchart of a method for transmitting payment
information of an
electronic certificate according to a first example of the present invention.
[0028] Figure 2 is a flowchart of a method for transmitting payment
information applied to
a buyer terminal according to Example 2 of the present invention.
[0029] Figure 3 is a flowchart of a method for transferring payment
information of an
electronic certificate applied to a first Funds-Management server according to
Example 3 of
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the present invention.
[0030] Figure 4 is a block diagram of a device for transmitting payment
information
applied to a buyer's electronic certificate according to a fourth example of
the present
invention.
[0031] Figure 5 is a block diagram of a module for transmitting a solution
information of
an electronic certificate applied to a first Funds-Management server according
to a fifth
example of the present invention.
[0032] Figure 6 is a block diagram of a module for transmitting a solution
information of
an electronic certificate applied to a first Funds-Management server according
to a fifth
example of the present invention.
[0033] Figure 7 is a structural diagram of an electronic certificate
settlement information
transmission system according to a sixth example of the present invention.
Detailed Description
[0034] To make the technical problems, technical solutions and advantages more
apparent
and clear, the present invention will be described in further detail with
reference to the
accompanying drawings and examples. It is to be understood that the specific
examples
described herein are merely illustrative of the invention and are not intended
to limit the
invention.
[0035] In the example of the present invention, the electronic certificate is
applied for by
the buyer to the funds management institution for the account funds or the
credit limit as the
deposit. Funds management institution commits to handle the payment
certificate of
electronic credit commitment in accordance with the payment terms. The
electronic
certificate is an Internet based financial instrument that is paid by funds
management
institution credit commitment. It mainly deals with the buyer's commodity. The
seller
downloads the cashier interface, the buyer completes the issuance of the
electronic
certificate, the seller completes the collection and performance, at last
submitted to pay the
solution, and the electronic certificate expires automatically. The electronic
certificate can be
purchased not only for buying commodity, but also be used for mortgage
guarantees. A fund
management institution is an institution that can support capital flows,
including but not
limited to banks and other financial institutions (such as securities
institutions). Accordingly,
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Funds-Management server includes a bank server or other financial institution
server.
[0036] In this application, the process of online payment transactions through
electronic
certificate is roughly as follows: after the buyer and the seller form the
order, the buyer
applies for issuing the certificate to the first Funds-Management server (the
issuing server)
through the buyer (the issuing terminal). Of course, the buyer can also take
the initiative to
apply for a license without a transaction order. After the first 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
the seller confirms the order, he / she applies to the second Funds-Management
server (the
server of the funds management institution) via the second client (receiving
end), 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 first Funds-Management server within the time limit for
applying for
settlement, and after the first 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.
[0037] Wherein, after the opening of the electronic certificate, the validity
period is divided
into three sections, the time limit is stated on the electronic certificate,
respectively, the seller
receives the certificate, the performance of the deadline for applying for
payment, if the
corresponding action is not performed, the electronic certificate shall be
invalid.
Date Recue/Date Received 2021-08-16
[0038] It should be understood that the above is only a way to use electronic
certificate, it
also can be used to purchase electronic services. In the purchase of services,
such as living in
the hotel transaction scenario, the hotel reservation is successful, that is,
the hotel undertook
a performance. Of course, electronic certificate can also be used to allocate
funds. In different
situations, the understanding of performance and receipt also changed. In
other words, when
a merchant provides a commodity or service, the status of the electronic
certificate may
directly flow through both the compliance period and the receipt period,
directly entering the
solution, such as face-to-face transactions.
[0039] Example 1
[0040] As shown in Figure 1, a method for transferring payment information of
an
electronic certificate provided in an example of the present invention
includes the following
steps:
[0041] S101 . After the buyer terminal is informed of the receipt of the
commodity
information, payment information is generated, and the payment information is
delivered to
the first Funds-Management server;
[0042] Specifically, the buyer and the seller conduct transactions through E-
commerce, the
buyer uses the Client as the buyer, and the seller uses the Client as the
seller. After the buyer
orders the seller through the buyer, the buyer opens the request for issuing
the electronic
certificate and delivers it to the first Funds-Management server. The first
Funds-Management
server requests for freezing the buyer's account after the second Funds-
Management server
receives the electronic certificate, it notifies the seller that the seller
confirms the order
through the seller, and the second Funds-Management server receive electronic
certificate,
and deliver the receipt information to the seller, electronic certificate
entered the performance
period. After the seller delivered the commodity or provided the services
during the
performance period, the buyer signs the receipt. Once the buyer has been
informed of the
receipt of commodity information (such as logistics company receipt and E-
commerce
platform receipt), generate payment information, and the second Funds-
Management server
feedback to apply for payment and smoothly enter into the next stage. The
buyer can log in to
the corresponding webpage or open the corresponding application through the
buyer, and
then deliver the payment application information to the first Funds-Management
server. After
the buyer receives the receipt information, the buyer can automatically
deliver the solution to
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the first Funds-Management server information. Wherein, the payment
information may
include the receipt information and payment conditions, etc., but may also
include the buyer's
identity information, so as to subsequently verify the identity of the buyer.
[0043] S102: After receiving the payment information, the first Funds-
Management server
updates the status of the corresponding electronic certificate to be released,
and synchronizes
the status of the corresponding electronic certificate to the second Funds-
Management server.
[0044] In this example of the present invention, delivery of the payment
information is
completed by the buyer terminal and the first Funds-Management server, and the
status of the
electronic certificate is modified by the first Funds-Management server and
synchronized to
the second Funds-Management server, so that the electronic certificate can be
continuously
and effectively transferred to the next state, so as to ensure that the
electronic certificate can
be paid in a timely manner.
[0045] Example 2
[0046] As shown in Figure 2, a method for transmitting performance information
of an
electronic certificate provided in an example of the present invention is
applied to a buyer
terminal. The method includes the following steps:
[0047] S201. after receiving the receipt information of the commodity, the
payment
information is generated.
[0048] Specifically, the buyer terminal can know the information of the
received
commodity online (for example, an E-commerce platform), and can also obtain
the
information of the received information of the commodity online by the buyer.
Wherein, the
receipt information includes but is not limited to the receipt and receipt of
the logistics
company and the receipt and receipt of the E-commerce platform. The payment
information
may include the receipt information and settlement conditions, etc., and may
further include
the buyer's identity information for subsequent verification of the buyer's
identity.
[0049] S202, the solution payment information is delivered to the first Funds-
Management
server.
[0050] Specifically, the buyer can log in to the corresponding webpage or open
the
corresponding application through the buyer, and then deliver the payment
application
information to the first Funds-Management server. After the buyer receives the
receipt
information, the buyer can automatically deliver the solution to the first
Funds-Management
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server information.
[0051] In the example of the present invention, the buyer terminal submits the
application
settlement information to the first Funds-Management server in time in order
to complete the
delivery of the settlement information so that the electronic certificate can
be effectively and
smoothly transitioned to the next state, so as to ensure timely settlement of
electronic
certificate and transfer of funds.
[0052] Example 3
[0053] As shown in Figure 3, a method for transferring payment information of
an
electronic certificate according to an example of the present invention is
applied to a first
Funds-Management server. The method includes the following steps:
[0054] S301, the payment information delivered by the buyer is received.
[0055] S302: Verify the buyer's identity, and if the verification is passed,
execute step
S303; otherwise, go to step S306.
[0056] Specifically, this step is a preferred step set for further improving
the security of the
transaction. Wherein, the buyer's identity verification information can be
achieved by mobile
phone dynamic code or by electronic signature. Mobile phone dynamic code is
the use of
mobile phone as a random password to generate or accept the terminal, mobile
phone
dynamic code is a one-time effective password security measures, and it can
greatly enhance
the user authentication or transaction security.
[0057] S303, the authenticity of the electronic certificate is verified, if
the verification is
passed, step S304 is executed; otherwise, step S306 is followed.
[0058] S304: Update the status of the corresponding electronic certificate to
be released.
[0059] S305, the state of the electronic certificate is synchronized to the
second Funds-
Management server.
[0060] S306, end the process.
[0061] In this example of the present invention, the first Funds-Management
server further
improves the security of the transaction by verifying the identity of the
buyer and the
authenticity of the electronic certificate.
[0062] Example 4
[0063] As shown in Figure 4, an electronic certificate solution information
transmission
device provided in an example of the present invention is applied to a buyer
terminal, and the
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device includes the following modules:
[0064] The acquisition module 101 is used to obtain the commodity receipt
information.
[0065] Specifically, the acquisition module 101 may obtain the information of
the received
commodity on line (such as an E-commerce platform), or may directly receive
the incoming
information of the purchased items. Wherein, the receipt information includes
but not limited
to the logistic receipt of the logistics company and the receipt of the E-
commerce platform.
[0066] The generating module 102 is used to generate payment information after
it is
informed of the receipt of the commodity.
[0067] Specifically, the payment information may include the receipt
information and
payment conditions, etc., but also may include the buyer's identity
information, so as to
subsequently verify the identity of the buyer.
[0068] The delivering module 103 is used to deliver the payment settlement
information to
the first Funds-Management server.
[0069] Specifically, the buyer can log in to the corresponding webpage or open
the
corresponding application through the buyer, and then deliver the payment
application
information to the first Funds-Management server. After the buyer receives the
receipt
information, the buyer can automatically deliver the solution to the first
Funds-Management
server information.
[0070] In this example, the buyer terminal submits the payment information to
the second
Funds-Management server, so as to complete the delivery of the payment
information.
[0071] Example 5
[0072] As shown in Figure 5, the device for transferring payment information
of an
electronic certificate provided in the example of the present invention is
applied to a first
Funds-Management server. The device includes a receiving module 201, a status
updating
module 202, and a status synchronization module 203, wherein:
[0073] The receiving module 201 is used to receive the payment settlement
information
delivered by the buyer.
[0074] The status updating module 202 is used to after receiving the payment
information
delivered by the buyer, the status of the corresponding electronic certificate
is updated to be
released.
[0075] The status synchronization module 203 is used to synchronize the status
of the
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electronic certificate to the second Funds-Management server.
[0076] Please refer to Figure 6, as a preferred solution, the device may
further include a
verification module 204 which is used to verify the authenticity of the
identity verification
and / or the electronic certificate after the payment information is received,
so as to further
improve the transaction security.
[0077] In this example, after the payment information is received by the first
Funds-
Management server, the status of the electronic certificate is further
synchronized to the
second Funds-Management server, so as to complete the delivery of the payment
information.
[0078] Example 6
[0079] As shown in Figure 7, an electronic certificate settlement information
transmission
system provided in an example of the present invention includes:
[0080] The buyer terminal 10 is used to generate payment settlement
information after
learning that the commodity are received, and deliver the payment settlement
information to
the first Funds-Management server 20;
[0081] Specifically, after the buyer terminal 10 can obtain the receipt
information of the
commodity online (such as an E-commerce platform), the buyer may also directly
input the
receipt information. Wherein, the receipt information includes but not limited
to the logistic
receipt of the logistics company and the receipt of the E-commerce platform.
The generated
the payment information may include the receipt information and payment
conditions, etc.,
but may also include the buyer's identity information, so as to subsequently
verify the
identity of the buyer. The buyer can log in to the corresponding webpage or
open the
corresponding application through the buyer, and then deliver the payment
application
information to the first Funds-Management server. After the buyer receives the
receipt
information, the buyer can automatically deliver the solution to the first
Funds-Management
server information.
[0082] The first Funds-Management server 20 is used to, after receiving the
payment
information, update the status of the corresponding electronic certificate to
be released, and
synchronize the status of the electronic certificate to the second Funds-
Management server.
[0083] As a preferred example, in order to prevent and correct abnormalities
or tampering
of the delivery information in the delivery process, the first Funds-
Management server 20 is
Date Recue/Date Received 2021-08-16
also used to: after receiving the payment settlement information, the payment
settlement
information is delivered to the second Funds-Management server.
[0084] As another preferred example, in order to further improve the security
of the
transaction, the first Funds-Management server 20 is further configured to:
after the payment
information is received, perform identity authentication. For example, the
identity
information of the buyer is verified. Wherein, the buyer's identity
verification information
can be achieved by mobile phone dynamic code or by electronic signature.
Mobile phone
dynamic code is the use of mobile phone as a random password to generate or
accept the
terminal, mobile phone dynamic code is a one-time effective password security
measures,
and it can greatly enhance the user authentication or transaction security.
[0085] As a further preferred example, in order to prevent the electronic
certificate
information from being tampered with, the first Funds-Management server is
also set to
verify the authenticity of the electronic certificate after receiving the
payment information.
[0086] It should be noted that, the foregoing method examples, device, and
system
examples belong to the same technical concept. Therefore, the technical
features in the
method example 1, the example 2, and the example 3 are the same in the device
example 4
and the example 5, and the sixth example of the system is applicable and will
not be repeated
here.
[0087] A method, a device, and a system for releasing payment information of
an
electronic certificate provided in the examples of the present invention are
provided. When
an item is received during the E-commerce transaction, the buyer returns
feedback
information to the first Funds-Management server, so that the electronic
certificate can be
continuously and effectively transferred to the next state, so as to ensure
that the electronic
certificate can be paid in a timely manner.
[0088] The general technicians of this field can understand and implement all
or parts of
steps in the above-mentioned examples that can complete the procedure by
controlling
relevant hardware, and the said procedure can be stored in a readable storage
media of a
computer such as ROM/RAM, disk and light disk.
[0089] The preferred examples of the present invention have been described
above with
reference to the accompanying drawings, which are not to limit the scope of
the present
invention, without departing from the scope and spirit of the invention, there
are various
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modifications to realize the example, such as the character of one example may
be
implemented in another example, and then another example occurs Any
modifications,
equivalents, and modifications that come within the technical concept of the
invention are
intended to be within the right scope of the invention.
Industrial utility
[0090] A method, a device, and a system for releasing payment information of
an
electronic certificate provided in the examples of the present invention are
provided. When
an item is received during the E-commerce transaction, the buyer returns
feedback
information to the first Funds-Management server, so that the electronic
certificate can be
continuously and effectively transferred to the next state, so as to ensure
that the electronic
certificate can be paid in a timely manner. Therefore, it has industrial
applicability.
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