Note : Les descriptions sont présentées dans la langue officielle dans laquelle elles ont été soumises.
Electronic Certificate-Based Payment System
Technical Field
[1] The present invention relates to the field of Internet, and more
particularly to a payment
system based on electronic certificate.
Background Technology
[2] With the breakthrough of network, communication and information
technology, e-
commerce came into being and developed rapidly, changing people's life rapidly
and
promoting the evolution of social business form. However, the overall economy
is still
free from the threshold of e-commerce, the product is more in kind to be
placed in the
physical store, or placing the product in a picture way in the network store,
forming a
"shop-based" sales model. The reputation, quality and authenticity of the
purchased
commodity are mainly based on the factors such as the scale and reputation of
the
physical shops or online shops, but are hardly related to the quality of the
commodity
themselves and the manufacturers. For example, in real life, it is hard for
people to
believe that the brand commodity sold on the stalls are genuine commodity, all
of which
are purchased in the specialty stores because they believe the sales in the
specialty stores
must be genuine, so people usually buy the original genuine in a specialty
store.
Because the buyers are more willing to believe that the products sold in the
specialty
store are genuine, that is, the traditional purchase and sale mainly depends
on particular
sales sites for "shop-based" product transactions. The actual situation is
that the brand
stores, and even large-scale e-commerce platform sell fake goods of high
imitation are
often disclosed and found in newspapers and other media.
[3] It is necessary to design a system or device that can integrate all the
real information of
the commodity under the transaction, complete transaction rules and service
transaction,
and create an environment that can give intelligent and independent trading of
commodity, so that the existing trading mode can be separated from the "store
standard"
to realize the transaction mode of "object standard", that is, who sales are
not important,
who is the production of sales of commodity, who provided it is important to
protect
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consumers on the network can be purchased by the original genuine, in order to
eliminate counterfeiting online shopping at the same time, a large number of
real
economy of the producers can realize the direct marketing of the entire domain
by
affixing their own intelligent electronic transactions on the commodity.
Summary of the Invention
[4] The technical problem to be solved by the present invention is that, in
view of the
limitation of certain sales places in the circulation of articles in the
existing technology
as described above, the integration and recording mechanism of transaction
information
is not perfect, the mechanism of verification of delivery and delivery of
commodity is
not perfect and it cannot fully realize the problem of intelligent autonomous
transaction
of commodity, and provide a payment system based on electronic certificate.
[5] The technical solution adopted by the present invention to solve the
technical problem is
as follows: A payment system based on an electronic certificate is
constructed,
comprising a manufacturer terminal, a payment system communicatively connected
to
the vendor terminal, and a communication system connected to the payment
system
client terminal, and a logistics terminal communicatively connected to the
payment
system, wherein:
[6] The vendor terminal is used to import an electronic certificate
template that includes at
least an article attribute with a name and an amount of money and settlement
information with at least one account;
[7] The payment system is used to store an electronic certificate that can
write information;
and further configured to: after the electronic certificate is issued and
after receiving the
request information of the client terminal, convert the requested amount into
a request
state; after receiving the receipt information of the client terminal, pays
the amount in
the requested state to an account corresponding to the settlement information;
[8] The client terminal is used to acquire the electronic certificate via
the internet, write a
destination of the logistics delivery in the electronic certificate, select a
preset logistics
support information to determine the logistics distribution information, and
determine,
according to the collection, the settlement information delivers the request
information
to the payment system to request payment of an amount corresponding to the
article
attribute;
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[9] The logistics terminal, after the payment receiving system receives the
request payment,
extracts an item corresponding to the attribute of the item and directs the
item to move
to the destination and delivers the receipt information to the payment system.
[10] In the system of the present invention, the payment system includes a
storage module, a
verification module, a payment module, a payment module, and a distribution
module,
wherein:
[11] The storage module is used to store an electronic certificate of
writeable information,
wherein the electronic certificate at least includes an article attribute with
a name and an
amount of money, and settlement information with at least one account;
[12] The issuing module is used to issue the electronic certificate;
[13] The payment module is used to: after the request information of the
client terminal is
received, turn the requested amount into a request state; wherein the request
state is a
state of freezing the amount or change the amount of money into the default
security
account in the state;
[14] The receiving module is used to: after receiving the receiving
information of the
logistics terminal, allocate the amount in the requested state to an account
corresponding
to the settlement information;
[15] The publishing module is used to publish the electronic certificate
via the Internet.
[16] In the system of the present invention, the payment system includes a
delivery code
issuing module and a receipt code issuing module.
[17] The pick-up code issuing module for delivering a pick-up code to the
logistics terminal;
[18] The receipt code issuing module is used to deliver a receipt code to
the client terminal.
[19] In the system of the present invention, the client terminal is further
configured to
provide the logistic terminal with the receipt code after the commodity move
to the
destination.
[20] In the system of the present invention, the logistics terminal
includes a pickup module, a
shipping module, and a signing module, wherein:
[21] The pick-up module is used to receive the pick-up code and extract the
commodity
corresponding to the article attribute according to the pick-up code;
[22] The delivery module is used for guiding the commodity to move to the
destination;
[23] The receiving module is used to deliver the receipt information to the
payment system
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according to the receipt code.
[24] In the system of the present invention, the payment system includes a
countdown
module;
[25] The countdown module is used to write countdown time information to
the electronic
certificate, wherein the countdown time information includes a payment
countdown and
/ or a delivery countdown and / or an arrival countdown generated according to
a
transaction agreement.
[26] In the system of the present invention, the payment system includes an
insurance
module;
[27] The insurance module is used to write the electronic certificate into
the electronic
insurance contract information.
[28] In the system of the present invention, the payment system includes a
public authority
module;
[29] The public authority module is used to write identification
information and / or item
ownership information and / or authentication information and / or transaction
status
information and / or registration information to the electronic certificate.
[30] The present invention discloses payment system based on an electronic
certificate,
which has the following beneficial effects: By generating an electronic
certificate that
corresponds to an article and is adapted to the circulation of the Internet,
the invention
can get rid of the restriction of a specific sales place, thereby changing the
original
relying on the business reputation of the tripartite E-commerce platform or
online store,
see the picture, the transaction-oriented E-commerce model, so that items can
be
attached to its own attributes, such as manufacturers, raw materials and other
information, can be autonomous and efficient circulation on the Internet,
realize
intelligent and independent trading, and forming an object-centered
transaction model.
Brief Description
[31] Figure 1 is a structural block diagram of a payment system based on an
electronic
certificate provided by the present invention;
[32] Figure 2 is a flow chart of a method for an electronic certificate-
based payment system
provided by the present invention;
[33] Figure 3 is a flow chart of generating and issuing the electronic
certificate provided by
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the present invention;
[34] Figure 4 is a flowchart of purchasing an electronic certificate by a
client terminal
according to the present invention;
[35] Figure 5 is a flow chart of the delivery of commodity provided by the
present invention;
[36] Figure 6 is a flow chart of the settlement of funds provided by the
present invention.
Description of the Preferred Examples
[37] For a clearer understanding of the technical features, objectives and
effects of the
present invention, the specific examples of the present invention will be
described in
detail with reference to the accompanying drawings.
[38] The present invention provides an electronic certificate-based payment
system 100,
which aims to realize a fully intelligent system of 'payment system guarantee,
single
inspection, receipt of payment. Wherein, the use of electronic certificate
enables the
transaction of commodity or services to reach a 'direct purchase and sale',
that is, the
commodity are delivered directly by the manufacturer and automatically
collected, so as
to ensure the authentic sales from the source of the commodity, thereby making
the
transaction safer and more reliable; To ensure the quality of commodity by
adding the
public power module in order to supervise the dynamic circulation of the
articles.
Through electronic certificate, it will guide the physical objects to move, so
as to ensure
the reasonable rights and interests of both parties, and realize the "hand in
hand
delivery" in E-commerce business; the use of electronic certificate can also
produce
unmanufactured items or articles in production, as well as services, pre-
issuance,
improve the rate of funds recovery and speed up the flow of funds; at the same
time,
through the electronic certificate changed based on electric business platform
by a third
party (or online store) business reputation, see the pictures, the transaction
of the
electricity business centered trading pattern, make the items on the Internet,
autonomous
and efficient circulation realize intelligent autonomous transactions, form
centered on
items of trade pattern; through this system, enterprises can be expected to
produce
commodity or commodity has created or existing services to record dynamic
circulation
of commodity information electronic certificate shows in the E-commerce, the
enterprise with a future cash flow of income in exchange for an immediate cash
flow
income has greatly improved the problem of insufficient liquidity of funds
turnover and
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meet the financing requirements of the enterprise, accelerate enterprise funds
turnover,
promoting economic and social development.
[39] Figure 1 is a block diagram of a payment system 100 based on an
electronic certificate
according to a first example of the present invention. As shown in Figure 1, a
payment
system 100 based on an electronic certificate includes a manufacturer terminal
2, a
payment system 1 communicatively connected to the vendor terminal 2, a client
terminal 4 communicatively connected to the payment system 1, and a logistics
terminal
3 communicatively connected to the payment system 1. Communication connection
has
the function of synchronous data, according to the actual needs, selective
synchronization of data.
[40] Wherein: The vendor terminal 2 is used to import an electronic
certificate template that
includes at least an article attribute with a name and an amount of money and
settlement
information with at least one account;
[41] The payment system 1 is used to store an electronic certificate of
writeable information,
and further configured to: after the electronic certificate is issued and
after receiving the
request information of the client terminal 3, convert the requested amount
into a request
state; and is further configured to: after receiving the receiving information
of the client
terminal 3, pays the amount in the requested state to an account corresponding
to the
settlement information, where the request state may be understood as a frozen
deposit.
The status of the amount or the credit line or the status of the deposit
amount or the
credit limit transferred to the preset guarantee account, that is, the credit
limit (credit
card) or deposit amount (debit card) in the purchaser's bank card is
temporarily frozen or
is the credit limit and deposit amount into the default guarantee account, it
can be
understood as a commitment to pay.
[42] Where the electronic certificate is issued, the electronic certificate
written in the
payment system is written into the electronic certificate after the relevant
information
(such as seller's account information and other financial information) in the
electronic
certificate is approved, and then the electronic certificate is issued again.
The purpose of
correctly identifying the electronic certificate by the payment terminal is
also solved
technically and the identity verification of the article producer is also
solved.
[43] The client terminal 4 is used to acquire the electronic certificate
via the internet, write a
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destination of the logistics delivery in the electronic certificate, select a
preset logistics
support information to determine the logistics distribution information, and
determine,
according to the collection, the settlement information delivers the request
information
to the payment system to request payment of an amount corresponding to the
article
attribute;
[44] The logistics terminal 3, after the payment receiving system receives
the request
payment, extracts an item corresponding to the attribute of the item and
directs the item
to move to the destination and delivers the receipt information to the payment
system 1.
[45] For the system, refer to Figure 2 for a method for executing the
system. Figure 2 is a
flow chart of a method for payment system based on an electronic certificate
provided
by the present invention. The method mainly includes the following four steps:
[46] Si, Providing and issuing an Electronic Certificate: the manufacturer
terminal 2
provides an electronic certificate template for completing the configuration.
After the
payment system 1 issues the electronic certificate, the electronic certificate
is published
through the Internet. Wherein, manufacturers, distributors, or natural persons
can
provide the main body to generate electronic certificate resources.
Specifically, the
"issuance" here refers to writing the payment account information and the
electronic
signature written to the payment system in the electronic certificate.
[47] S2: Purchase of the electronic certificate: the client terminal 4
acquires the electronic
certificate, and delivers the request information to the payment system 1 to
request
payment of an amount corresponding to the item attribute; or to the electronic
device via
the vendor terminal 2. The payment system 1 delivers the request information
to request
payment of the amount corresponding to the article attribute; the payment
system 1
transfers the requested amount to the request status while synchronizing the
status
information to the client terminal 4 and / or the vendor terminal 2. And
informs the
logistics terminal 3 to prepare to go to the address provided by the owner of
the
commodity or may be the location of the commodity described in the electronic
certificate and extract the commodity corresponding to the property of the
commodity.
[48] S3, Delivery of commodity: the logistics terminal 3 guides the
commodity to move to
the destination.
[49] S4: Settlement of Funds: After the payment system 1 receives the
receipt information of
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the logistics terminal 3, the payment system 1 allocates the amount in the
requested state
to the account corresponding to the settlement information.
[50] Wherein, for the step Si, the vendor terminal 2 is used to store an
electronic certificate
of writeable information, wherein the electronic certificate at least includes
an article
attribute with a name and an amount of money and settlement closing
information with
at least one account. The payment system 1 is used to write optional logistics
support
information after the electronic certificate is issued and deliver it to the
manufacturer
terminal 2; and the payment system 1 generates an electronic certificate which
essentially constructs an electronic certificate that records all
transactions. A preferred
flow of step Si is shown in Figure 3, which is a flow chart of generating and
issuing the
electronic certificate provided by the present invention. The flow chart
includes the
following steps:
[Si] 5101, the commodity provider submits a request for generating an
electronic certificate
to the manufacturer terminal 2.
[52] Preferably, the commodity provider can finish the configuration of the
article on the
local electronic terminal first, and then submit the request for generating
the electronic
certificate to the manufacturer terminal 2 again. In this way, the generated
electronic
certificate source file can be directly stored on the local electronic
terminal without
being stored in the manufacturer terminal 2 or the payment system 1, and only
a
connection signal can be provided to the manufacturer terminal 2 or the
payment system
1.
[53] It is also possible to directly connect to the manufacturer's terminal
2, complete the
configuration of the item online, and then submit the request for generating
the
electronic certificate to the manufacturer's terminal 2. In addition, when the
electronic
certificate is generated online, the electronic certificate can be saved to
the payment
system 1 directly. When the electronic certificate is generated offline, an
electronic
certificate may also be generated for the item configuration request. The
electronic
certificate may be stored offline in a local electronic terminal.
[54] S102: the manufacturer terminal 2 receives the request and returns to
the cargo provider-
configuration page.
[55] S103: the commodity provider sets various label information of the
electronic certificate
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in the configuration page, that is, sets up the fulfilment information of the
electronic
certificate, the electronic certificate at least includes the item attributes
with the name
and the amount of money, and at least one account with close billing
information.
[56] S104, the manufacturer terminal 2 generates an electronic certificate
template
configured with the item information.
[57] S105. The commodity provider configures the issuer of the payment
system 1, that is,
selects a third-party payment company within the payment system 1. The payment
system 1 can also be another platform that can support the flow of funds on
the Internet.
At the same time, the manufacturer terminal 2 delivers the payment provider
l's
issuance request to the payment system 1. This step may be completed by
setting an
issuance module in the payment system 1, and the issuance module writes the
optional
logistics support information after the issuance of the electronic
certificate, generates an
electronic certificate, and delivers the electronic certificate to the
manufacturer terminal
2.
[58] The issuing module is used to approve the payment account information
written in the
electronic certificate, and deliver the electronic certificate back to the
payment system 1.
[59] 5106, the payment system 1 receives the issuance request to complete
the issuance, and
returns a PID to the manufacturer terminal 2.
[60] The 'PID' involved here is the port ID, which is also the 'port
number'. Normally, the
PID consists of 8-bit port priority plus port number, port number is low, and
the default
port number priority 128.
[61] Of course, it is also possible for the commodity provider to directly
submit the request
for issuing the electronic certificate to the payment system 1, and the
payment system 1
returns a PID to the commodity provider after confirming the identity of the
commodity
provider. It is also conceivable that the commodity provider may also submit a
request
for issuing the electronic certificate to the payment system 1 through the
manufacturer's
terminal 2 so as to obtain a PID, which is also feasible.
[62] In 5107, the manufacturer terminal 2 updates the state of the
electronic certificate to be
issued and synchronizes the information to the commodity provider.
[63] S108, the supplier of the commodity chooses the publication method of
the electronic
certificate, and generally selects to release the electronic certificate
through the preset
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channels. The channel can be a link, it can be an advertisement, it can be
embedded in
the APP, and so on. This step may be implemented by adding the publication
port
electrically connected to the commodity provider, and the publication port is
used to
connect to the Internet to publish the electronic certificate.
[64] S109, the payment system 1 issues the electronic certificate according
to the release
mode.
[65] 5110, the commodity provider or other Internet users can view the
released electronic
certificate via a terminal connected to the Internet.
[66] For the step S2, the client terminal 4 in the system is used to browse
and acquire the
electronic certificate via the Internet, write a destination of the logistics
delivery in the
electronic certificate, and select the logistics support information as
determine the
distribution information, and deliver the request information to the payment
system 1
according to the settlement information to request payment of an amount
corresponding
to the article attribute; and the client terminal 4 can implement its function
through a
software package such as a plug-in, an APP, and so on. After the payment
system 1
receives the request information from the client terminal 4, the payment
system 1 turns
the requested amount into a request state and notifies the logistics terminal
3 to go to the
location of the commodity to extract the commodity corresponding to the
property of
the commodity.
[67] The function of the client terminal 4 is to complete the purchase of
the electronic
certificate and provide the funds for the subsequent delivery steps to freeze
or escrow
the certificate. For the specific process of purchasing the electronic
certificate, see
Figure 4. Figure 4 shows the process of the electronic device certificate flow
chart, the
process includes the following steps:
[68] S201: the client terminal 4 selects a payment account, and may also
select a platform for
Internet to support the flow of funds, or may be the same terminal as the
payment
system 1, so as to issue a payment request. Generally, it need to enter the
corresponding
account and password to log in to pay the account.
[69] S202: the payment system 1 receives the selection instruction,
verifies the user identity
of the client terminal 4, and returns to the client terminal 4.
[70] S203: the client terminal 4 delivers the user identity information and
confirms that the
Date Recue/Date Received 2022-09-28
electronic certificate is to be paid.
[71] S204: After receiving the request information of the client terminal
4, the payment
system 1 requests the selected account for the sum, and transfers the
requested amount
into a request state, and notifies the logistics terminal 3 to retrieve the
payment request
corresponding to the item attribute corresponding to the commodity, the amount
of
money provided by the user of the client terminal 4. This step may be
implemented by
setting a payment module in the payment system 1. Specifically, after the
payment
module receives the request information of the client terminal 4, the
requested amount is
turned into a request status and notifies the logistics terminal 3. The
commodity
corresponding to the article attributes are extracted.
[72] S205: the payment system 1 synchronizes the contract information of
the client terminal
4 with the terminal 3 and returns a performance receipt.
[73] S206: the client terminal 4 updates the fulfilment status of the
electronic certificate
according to the fulfilment receipt.
[74] With respect to step S3, the system includes a logistics terminal 3
for directing the
commodity to move to a destination and delivering the commodity receipt
information
to the payment system 1. The logistics terminal 3 is disposed inside the
logistics
company so that the electronic certificate can be fully circulated. The
logistics terminal
3 can also be implemented in the form of software such as APP, plug-in.
Whereas, the
commodity are moved to the destination and can be delivered to the door or
other forms
of delivery.
[75] The logistics terminal 3 ensures the timely delivery of the commodity
under the
monitoring mode and effectively combines the circulation track of the
commodity and
the circulation of funds so that the rights and interests of both the buyer
and the seller
can be effectively protected.
[76] The logistics terminal 3 essentially completes the delivery process.
Referring to Figure
5, the flowchart of the delivery item provided by the present invention
preferably
includes the following steps:
[77] S301, the logistics terminal 3 delivers the commodity to submit the
fulfilment
information and simultaneously updates the fulfilment information of the
payment
system 1.
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[78] S302: After receiving the updated performance information, the payment
system 1
returns the notification of the performance at the same time. In this step,
the logistics
company automatically synchronizes the logistics status with the payment
system 1, for
example, has shipped, has been received. The trigger electronic certificate
module
delivers out the performance to the payment system 2, prompting the two
notifications
to prompt the payment.
[79] S303: the electronic certificate updates the fulfilment information in
the logistics
terminal 3.
[80] With respect to step S4, the system includes the payment system 1,
wherein the payment
system 1 is used to: after receiving the receipt information of the logistics
terminal 3,
allocate the amount of money in the request state to the payment information
corresponding to the settlement information corresponding account. The payment
system 1 here is mainly a third party payment company. Of course, it is
understandable
that it is also feasible to allocate the amount described in the requested
state between the
third party payment company and the bank.
[81] The payment system 1 can be paid after the receipt of the commodity to
complete the
transaction, the preferred process of the part is shown in Figure 6, which is
a flow chart
of the solution of the funds provided by the present invention. The process
includes the
following steps:
[82] S401: After the commodity are delivered, the user of the client
terminal 4 signs the
receipt. Generally, a pickup code issuing module and a receipt code issuing
module are
set in the payment system 1; wherein the pickup code issuing module is used to
deliver a
pickup code to the logistics terminal 3; the receipt code issuing module is
used to
deliver, for delivering a receipt code to the client terminal 4.
[83] The client terminal 4 provides the receipt code to the distribution
terminal 3 after the
load is moved to the destination.
[84] The logistics terminal 3 includes a delivery module, a delivery module
and a receipt
module, wherein: the delivery module receives the delivery code and extracts
the
commodity corresponding to the article properties according to the delivery
code; the
delivery module guides the commodity to move to the destination; and the
receipt
module delivers the receipt information to the payment system 1 according to
the receipt
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code.
[85] In addition, a sign-in module may also be set in the client terminal 4
to realize
intelligent receipt. There are two preferred examples of the sign-in module,
as follows:
[86] Mode 1: the receiving module includes a receipt code issuing module, a
receipt code
confirmation module and a receipt delivering module, wherein: the receipt code
issuing
module is used to communicatively connect to the client terminal 4 to issue a
receipt
code to client terminal 4; the receipt code confirmation module is used to
generate
confirmation of the receipt code to generate a receipt after the shipment is
moved to the
destination and before the funds are unfrozen or prior to settlement to the
owner of the
commodity information, so as to determine the receipt of the commodity; and
the sign
delivering module is used to be communicatively connected to the payment
system 1,
and deliver the sign information to the payment system 1. The method may
further
include: the payment system 1 includes a delivery code issuing module and a
receipt
code issuing module; the pickup code issuing module is used to deliver a
pickup code to
the logistics terminal; the receipt code issuing module is used to: deliver a
receipt code
to the client terminal.
[87] In order to verify the reliability of the delivery of the logistics
company, the buyer
should receive the commodity in order to verify the identity of the buyer.
[88] Manner 2: the receiving module includes a receipt code issuing module,
a receipt code
confirmation module and a receipt delivering module, wherein: the receipt code
issuing
module is used to communicatively connect to the client terminal 4 to issue a
receipt
code to client terminal 4; the receipt code confirmation module is used to
generate
confirmation of the receipt code to generate a receipt after the shipment is
moved to the
destination and before the funds are unfrozen or prior to settlement to the
owner of the
commodity information, so as to determine the receipt of the commodity; and
the sign
delivering module is used to be communicatively connected to the payment
system 1,
and deliver the sign information to the payment system 1.
[89] The system further includes a signing code server communicatively
connected to the
client terminal 4; the signing code server is used to generate the signature
according to
the request information of the signature request module, and deliver the
signature to the
client terminal 4. The signing code server and the manufacturer terminal 2 may
be the
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same server, so as to perform different functions.
[90] The sign-in module includes a sign-code request module, a sign-off
code confirming
module, and a sign-off delivering module, wherein: the sign-off code request
module is
used to be communicatively connected to the sign-off code server, request to
generate a
receipt code; and the receipt code confirmation module is used to generate a
receipt
confirmation message to confirm the receipt code after the commodity are
delivered to
the destination and before allocating the funds, so as to determine the
receipt of the
commodity; the sign delivering module is used to be communicatively connected
to the
payment system 1 and to deliver the sign information to the payment system 1.
[91] This method protects the rights and interests of both parties by
confirming that the buyer
has received the commodity from the logistics center and solves the freezing
or
guarantee funds through the receipt server.
[92] S402, after the receipt, the logistics terminal 3 synchronizes the
receipt information with
the payment system 1.
[93] S403, the payment system 1 unfreezes the funds and transfers them to
the target account
or transfers the settlement to the target account.
[94] In order to better realize an intelligent electronic certificate, the
present invention further
provides the following preferred solutions:
[95] 1) The vendor terminal 2 or the payment system 1 further includes a
countdown module.
[96] The countdown module is used to set countdown information for the
electronic
certificate, where the countdown information includes a payment countdown and
/ or a
delivery countdown and / or a countdown of commodity due to a transaction
agreement.
The countdown module ensures that items are delivered on time.
[97] The deciding when to pay the countdown is the time when the parties to
the transaction
reached the intent to initiate the transaction and is a payment countdown.
[98] The contract, when the countdown to the shipment is the countdown to
the shipment, is
used to guarantee the timely delivery of the item or service; the countdown
module is
started when the payment is initiated.
[99] The contract, when the countdown to the arrival is the countdown to
the receipt, is used
to guarantee the timely arrival of the item or service when the seller begins
to ship.
[100] 2) The vendor terminal 2 or the payment system 1 further includes an
insurance module
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and a public authority module.
[101] The insurance module is used to set the electronic insurance contract
information for the
electronic certificate; the insurance module ensures the rights and interests
of both
parties of the transaction and minimizes the losses caused by the sudden
condition of the
transaction. Insurance module records electronic insurance contracts, not
limited to
specific types of insurance. The insurance module provides guarantee for the
delivery of
commodity, and pays for the loss caused by the failure of the commodity
transaction,
and the maximum guarantee of the interests of both parties.
[102] The public authority module is used to write identification information
and / or item
ownership information and / or authentication information and / or
registration
information to the electronic certificate. Public right module and public
authority
information connection, with registration, accreditation, certification
functions.
[103] 3) The vendor terminal 2 or the payment system 1 further includes a
rebate module.
[104] The rebate module is used to provide the conditions under which the
broker issues a
connection to the Object Credit Certificate, from which the transaction is
matched so
that the broker can extract the commission.
[105] The examples of the present invention are described above with reference
to the
accompanying drawings. However, the present invention is not limited to the
above
specific examples. The foregoing specific examples are merely illustrative and
not
intended to limit the present invention, many modifications and variations can
be made
by those skilled in the art without departing from the spirit and scope of the
invention as
disclosed in the accompanying drawings, all of which fall within the
protection scope of
the invention.
Date Recue/Date Received 2022-09-28
