Abrégé

A method and system for realizing issuance, circulation and recycling of an electronic currency. A bank party issues an electronic currency by means of freezing credit, cash, funds, etc. and according to a proportion equivalent to circulated legal tender; and a user party uses a multi-party authentication method when using the electronic currency for payment, and only when the minimum number of factors involved in the authentication are authenticated, a payment success is confirmed, thereby realizing the circulation of the electronic currency. The system comprises a bank party and a user party. The bank party recycles an electronic currency according to an issuance rule, the user party exchanges the electronic currency into cash at the bank party, and at the same time, the bank party recycles the equal amount of electronic currencies. The present invention realizes a safe, convenient, transparent, inter-bank, cross-border and cross-currency secure and efficient electronic currency and payment.

Classes IPC  ?

• G06Q 20/36 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des portefeuilles électroniques ou coffres-forts électroniques

Abrégé

A data authentication method, apparatus, and system. The method comprises: on the basis of product information, generating a first credit certificate file (100); on the basis of a preset encryption rule, encrypting the first credit certificate file to acquire first encrypted data (200); sending the first encrypted data to an electronic depository and to a verification centre (300); on the basis of a preset decryption rule, implementing decryption of the first encrypted data in the electronic depository and in the verification centre to acquire a second credit certificate file, and verifying the second credit certificate file on the basis of a preset verification rule (400); on the basis of the preset encryption rule, encrypting the second credit certificate file of the electronic depository to acquire second encrypted data (500); sending the second encrypted data of the electronic depository to a first terminal (600); on the basis of the preset decryption rule, implementing decryption of the second encrypted data in the first terminal to acquire a third credit certificate file, and verifying the third credit certificate file on the basis of a preset verification rule (700).

Classes IPC  ?

• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte

Abrégé

A method and a device for verifying information of a transaction information record electronic certificate, applicable to the field of e-business. The method comprising: a first participant issuing first signature information after receiving a transaction information record electronic certificate sent by a second participant, the transaction information record electronic certificate comprising first confidential information and first open information (S1); abstracting the information in the first open information and the first signature information that is unknowable to the next receiver, so as to form second confidential information (S2); combining the information in the first open information and the first signature information that is knowable to the next receiver, so as to form second open information (S3); and updating the transaction information record electronic certificate according to the second confidential information and the second open information, and sending the updated transaction information record electronic certificate to the next receiver (S4). This invention is able to accomplish the information isolation of the transaction information record electronic certificate, improving transaction safety.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système

Abrégé

Provided are a big-data-based loan method and system, said method comprising: obtaining a dynamic information certificate of a completed transaction (202); according to said dynamic information certificate of the completed transaction, counting big-data information of the business of a merchant, said big-data information comprising asset information and credit information of the merchant (204); extracting an amount corresponding to said asset information and a credit rating corresponding to said credit information (206); determining whether said amount is larger than or equal to a preset amount and whether said credit rating is higher than or equal to a preset level (208); if so, then notifying the merchant to release a loan (210).

Classes IPC  ?

• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte

Abrégé

Provided are an electronic-certificate-based transaction method and system, said method comprising: a first server obtaining an electronic certificate and displaying the electronic certificate (401), the electronic certificate containing the merchandise attribute information of name and amount, and receivable-payment settlement information containing the receiving account; the first server sending the electronic certificate to a first terminal (402); the first terminal pushing the electronic certificate by means of the Internet (403); a second terminal obtaining the electronic certificate by means of the Internet, receiving logistical information, inputted by a user at an information-writable location in the electronic certificate, concerning the delivery of the merchandise, and, according to the receivable-payment settlement information, sending to a payment system a request for a payment to be made in the amount corresponding to the merchandise (404); the payment system receiving the payment request sent by the second terminal and, upon authenticating the electronic certificate, freezing a sum of money in a paying account corresponding to the second terminal (405); the payment system receiving information that the merchandise has been received, accepted, and signed for, and transferring to a receiving account the money that had been frozen (406).

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

An acquired data exchange processing method, a server, and an online transaction method, the data exchange processing method comprising: a first server detects a request message sent by a first terminal or a second server to generate a second electronic certificate (S10, S20); on the basis of the request message to generate a second electronic certificate, locking a first electronic certificate, and during the locked period, rejecting the receipt of an exchange request for a first electronic certificate sent by the user of another terminal (S11, S21). The first electronic certificate is generated by the first server and associated with a second server, and comprises a first data/value; and the second electronic certificate is generated when a third server, after receiving the request message to generate a second electronic certificate, locks the data values in a first terminal account greater than, equal to, or less than the first data/value, then is received by the second server. The present invention can avoid the occurrence of exchange conflict and network resource wastage due to other terminals requesting the same target, thereby improving the efficiency of data exchange.

Classes IPC  ?

• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail

Abrégé

A target exchange processing method, a server, a terminal device, and an online transaction method, the target exchange processing method comprising: a first account receives a request sent by a second account to replace a first target, and sends a target replacement command to a first server (S10) in order to delay an unlocking time of a first data value associated with a data certificate to a predetermined time (S11); the data certificate is generated by a second server freezing a first data value in the second account; when receiving in a predetermined time the first target sent by the second account (S12), the first account sends a second target to the second account, requests that the second server unlocks the first data value, and sends the first data value to the first server, in order to add same to the first account (S13). The present method can improve the efficiency of network data exchange.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

A management method of target information and a management equipment and a management server thereof, wherein the method comprises: acquiring, by a first equipment, a target processing request sent by a second equipment, the target being provided with an electronic certificate for associating the target and recording the target information, and the electronic certificate of the target recording the state of the target as an obtained state (S21); responding to the processing request and generating the target processing record (S22); and transmitting the target processing record to the management server for the electronic certificate of the target so that the management server adds the target processing record to the electronic certificate of the target (S23). Through the above-mentioned method, it is possible to realize the dynamic tracking of the target processing record.

Classes IPC  ?

• G06Q 30/00 - Commerce
• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

A method and system for online publishing of product electronic transaction certificate, said method comprising: a product information server, on the basis of inputted product information, generates a product electronic transaction certificate and stores same (S201); the product information server, on the basis of the stored product electronic transaction certificate, generates a corresponding link address (S202); a third party platform server receives and stores the link address and associated information of the product electronic transaction certificate uploaded by the product information server (S203); and setting up a search portal of the third party platform server (S204). The present method, by means of uploading a link address and associated information of a product electronic transaction certificate to a third party platform server, reduces the amount of data transmission, improving the efficiency of data transmission and reducing the database load of the third party platform whilst being able to set up the information publishing content, and being highly customisable.

Classes IPC  ?

• G06Q 30/00 - Commerce

Abrégé

Provided are a merchandise order generation method, device, and system, said method comprising: according to purchase-order information and merchandise information, generating a merchandise electronic-transaction certificate (300); according to the merchandise electronic-transaction certificate, generating a production order containing transaction content (400). The described merchandise-order generation method, device, and system generates a production order according to purchase-order information and performs analysis on the basis of large amounts of purchase-order data; in this way, production takes place in a targeted and oriented manner, resource consolidation is optimized, production efficiency is improved, and production costs are reduced.

Classes IPC  ?

• G06Q 30/00 - Commerce

Abrégé

A data exchange processing method, server (80, 90), terminal device (100, 110) and online transaction method, said data exchange processing method comprising: a first server generating a first data certificate relating to a target (S10, S20, S30, S50); a device corresponding to a second account receiving the first data certificate according to an agreement so as to acquire a second data certificate information (S11, S21, S31). The second data certificate information is saved within the first data certificate, and comprises at least a first predetermined data value from a first account; the second data certificate is generated in order for the first predetermined data value from the first account to be locked by a second server (80), used for adding the first predetermined data value to the second account when the first account fails to transmit the target to the second account according to the agreement. By means of the described method, it is possible to prevent the wasting of network resources by violating target/data exchange agreements, thereby increasing the efficiency of target/data exchanges.

Classes IPC  ?

• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail

Abrégé

Provided are a method and device for data exchange processing. The method for data exchange processing comprises: a first server receiving a first electronic certificate from at least one first account and an exchange request from a second account (S101); said first server searching, according to said exchange request, for a first electronic certificate matching preset conditions (S102); upon finding a first electronic certificate matching the preset conditions, the first server sending the found first electronic certificate to the second account, and sending the second electronic certificate to a first account corresponding to said matching first electronic certificate (S103). The described solution improves data exchange efficiency and improves data exchange security.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Disclosed are a data exchange processing method and apparatus. The data exchange processing method comprises: a first server receives a first electronic certificate from a first terminal and a second electronic certificate from a second terminal; the first server, when acquiring a second electronic certificate matching a preset condition, sends the first electronic certificate comprising the preset condition to the second terminal, or sends the first electronic certificate on the basis of the contact method of the user of a second account; and sends the second electronic certificate to the first terminal, or sends the second electronic certificate on the basis of the contact method of the user of a first account. The present method can improve data matching efficiency and data exchange efficiency.

Classes IPC  ?

• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail

Abrégé

Disclosed are a destination-exchange processing method, apparatus, terminal device, and online transaction method, said destination-exchange processing method comprising: a first account sending a first data-certificate transfer request to a second account by means of a first server; said transfer request containing information of said first data certificate; said second account responding to the transfer request and sending first data to the first account; and the first account receiving the first data and sending the first data certificate to the second account. In the present invention, destination exchange is achieved using the described means, and a first account that obtained a first data certificate may transfer it to a second account; thus the destination may be utilized repeatedly, increasing the utilization of the destination.

Classes IPC  ?

• G06Q 30/00 - Commerce

Abrégé

An information processing method, a server, a terminal device, and an online transaction method, the information processing method comprising: a first server receives a request sent by a first account to change a first electronic document permission/ownership (S10); the first electronic document is pre-generated by the first server on the basis of information of a target/data to be exchanged, and comprises the exchange record of said target/data; and in response to the request, generating a second electronic document on the basis of the first electronic document (S11); the second electronic document comprises information of the first electronic document. The present method can change the permission/ownership of a target/data to be exchanged by means of an electronic document method, in order to improve the efficiency of target/data exchange.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Provided are a data processing method and system of online sales promotion, said method comprising: receiving an electronic certificate sent by a second server and displaying said electronic certificate (101), said electronic certificate at least containing the merchandise attribute information of name and amount, and receivable-payment settlement information containing the receiving account; publishing sales promotion information corresponding to said electronic certificate (102); receiving a request sent by the terminal to obtain the electronic certificate, said electronic certificate request carrying a certificate number and a terminal user identity (103); obtaining the electronic certificate corresponding to the certificate number, and binding the terminal user identity to the electronic certificate (104); sending to the terminal the electronic certificate to which the terminal user identity is bound (105), said terminal being used for pushing said electronic certificate on the Internet.

Classes IPC  ?

• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds

Abrégé

A data processing system based on network promotional transactions, the system comprising: a first server 10, a second server 20, a first terminal 30, a fourth server 60, a second terminal 40, and a third server 50. The first server 10 is used for generating a corresponding product electronic transaction certificate on the basis of product information and receipt information; the second server 20 is used for publishing a promotional message corresponding to the product electronic transaction certificate; the first terminal 30 is used for pushing the product electronic transaction certificate by means of the Internet; the second terminal 40 is used for sending payment information for requesting payment amount funds; the third server 50 sends a payment electronic certificate to the fourth server; and the fourth server 60 is used for transferring funds into the receipt account included in receipt settlement information.

Classes IPC  ?

• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole
• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds

Abrégé

Disclosed are an intelligent electronic commerce system, and a method and device for implementing same, relating to the field of Internet technology. The system comprises a manufacturer subsystem, a user subsystem, a bank subsystem, and an information bearer, wherein the information bearer transfers data information to the various subsystems in real time, and the various subsystems process the information according to respective time sequences after receiving the information transferred by the information bearer and append the data to which an instruction has been executed to the information bearer. In the present invention, the interactive dynamic relationship, the treatment, and the state of data in the commodity transaction segment, the payment segment, the logistics segment, the insurance segment, and the monitoring segment in an electronic commerce transaction are automatically handled to reduce manual intervention, thereby implementing automated business processing in business segments such as manufacturers, suppliers, banks, insurance companies, logistics companies, monitoring departments, and consumers, and implementing intelligent business logic, intelligent commodity turnover, intelligent supply chains, intelligent financial payment, and intelligent transaction monitoring.

Classes IPC  ?

• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

The present invention discloses a network-based electronic negotiable instrument system and a method and device for realizing the same, the method comprising: acquiring the content of a physical negotiable instrument, structuring the physical negotiable instrument, and storing the structured negotiable instrument data to form an electronic negotiable instrument; on the basis of the function and usage scenario of the physical negotiable instrument, adding to each electronic negotiable instrument an operation instruction capable of realizing a physical negotiable instrument function and a user interface; encapsulating the electronic negotiable instrument, operation instruction, and user interface, encrypting and signing the encapsulated data, and issuing to an entire network region to form a network-based electronic negotiable instrument such that a user can perform an interaction operation on the network-based electronic negotiable instrument itself. The network-based electronic negotiable instrument of the present solution encapsulates an operation instruction and user interface, and thus a user can directly perform an interaction operation on the network-based electronic negotiable instrument, adapting a network-based electronic negotiable instrument for a network and realizing circulation thereof on a platform.

Classes IPC  ?

• G06Q 30/00 - Commerce

Abrégé

Provided are a data exchange processing method, apparatus, and system; the data exchange processing method comprises a first party receiving a request used for obtaining at least one first data certficate of said first party (201); responding to said request, and adding to said first data certificate the identification information of the second party (202); sending the first data certificate corresponding to said request (203). By means of the described scheme, transaction means are enriched and data is transmitted in the form of an electronic certificate; also, the security of network data exchange is improved, increasing the utilization of funding.

Classes IPC  ?

• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole

Abrégé

A processing method for acquiring target data, a terminal, a server, and an online funding method. The processing method for acquiring target data comprises: a first server receives an exchange request transmitted by a first terminal for acquiring target data and transmits the exchange request to a second terminal (S10), where the exchange request comprises descriptive information and a data value of the target data and also comprises coverage information, and the coverage information is generated when the second server detects that the target data complies with a coverage range of the second server. By such means, security guarantee can be provided before the target data is provided to the exchanging terminals, thus increasing the security and exchange efficiency of the target data.

Classes IPC  ?

• H04L 9/32 - Dispositions pour les communications secrètes ou protégées; Protocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
• G06Q 20/34 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des cartes, p.ex. cartes à puces ou cartes magnétiques

Abrégé

Provided are a processing method for obtaining target data, a terminal, a server, and an online financing method, the processing method for obtaining target data comprising: a first server receiving an exchange request sent by a first terminal to obtain target data, and sending said exchange request to a second terminal (S10); said exchange request containing description information and data values of said target data and also containing evaluation information, said evaluation information being generated by a second server when it detects that the user of the first terminal conforms to a range of levels preset by said second server. Using the described means, it is possible to provide to the exchange terminal the security level evaluation information of the data-obtaining party, thus improving target data security and exchange efficiency.

Classes IPC  ?

• G06Q 20/32 - Architectures, schémas ou protocoles de paiement caractérisés par l'emploi de dispositifs spécifiques utilisant des dispositifs sans fil

Abrégé

Method and device for data exchange processing and an online funding method. the method for data exchange processing comprises: when responding to an exchange request transmitted by a second terminal, first terminals transmit first data certificates to the second terminal (S403); when the sum of data values represented by all of the first data certificates received by the second terminal in the preset time is no less than the size of the data value of the target data, the second terminal transmits notification information to the first server (S404); and the first server, in response to the notification information, adds data identical in the size of the data values of data represented by the first data certificates to the second terminal (S405). The described solution increases the security of data exchange.

Classes IPC  ?

• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte

Abrégé

Provided are a data exchange processing method, apparatus, and online financing method, the data exchange processing method comprising: first terminals, when responding to an exchange request sent by a second terminal, sending a first data certificate to said second terminal (S403); if the sum of the data value sizes represented by all of the first data certificates received by the second terminal within the preset time is smaller than the data value size of the target data, then the second terminal sending to the first server an instruction that the target data exchange has failed (S404); the first server responding to said exchange failure instruction and unlocking the first data certificate (S405). The described data exchange method improves data exchange security.

Classes IPC  ?

• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds

Abrégé

An electronic certificate setting method, and a data interaction processing method, device and system, the electronic certificate setting method comprising: after sending a first request to open an electronic certificate to a funds management server, a first participant sends a second request to reset an opening date of the electronic certificate to the funds management server, the second request comprising a reset opening date of the electronic certificate, the first request comprising a set electronic certificate limit (101); the funds management server determines whether the reset opening date satisfies a predetermined setting condition (102); if the reset opening date satisfies the predetermined setting condition, the funds management server, when the reset opening date is reached, freezes funds in a specified account of the first participant which are equal to the limit included in the first request or supports credit which is equal to the limit included in the first request, and opens the electronic certificate (103). The method is advantageous for the reasonable arrangement of funds usage by the first participant, improves the experience, and enriches online transaction means.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement

Abrégé

An electronic certificate setting method, and a data interaction processing method, device and system, the electronic certificate setting method comprising: after sending a first request to open an electronic certificate to a funds management server, a first participant sends a second request to reset a second participant account number receiving the electronic certificate, the second request comprising a reset second participant account number, the first request comprising a set electronic certificate limit (101); the funds management server receives the second request, and determines whether the reset second participant account number satisfies a preset condition (102); if the reset second participant account number satisfies the preset condition, the funds management server changes the second participant account number to the reset second participant account number, freezes funds in a specified account of the first participant which are equal to the limit included in the first request or supports credit which is equal to the limit, and opens the electronic certificate (103). The described means are advantageous for the reasonable arrangement of funds usage by a first terminal, improve the experience, and enrich both the diversity of online transactions and transaction means.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement

Abrégé

Disclosed in the present invention are a method, system, and apparatus for setting up electronic certificates and processing data exchange, the method comprising: a first terminal sends to a second terminal a first request message to receive an electronic certificate; the second terminal responds to the first request message, setting up a second money management server to receive an electronic certificate and setting up a money account stored in the second money management server to receive money of an equivalent value to that of the electronic certificate, and on the basis of the aforementioned set-up, generates a second request message to receive an electronic certificate and sends said second request message to the second money management server; the second money management server responds to the second request message, receives the electronic certificate, and on the basis of the second request message, updates the information of the second money management server and the money account on the electronic certificate. The present invention enables a second terminal to freely set up a server to receive electronic certificates and an account to receive money, such that certificates can be received in more diversified ways, which is beneficial for improving the efficiency of money exchange between two parties.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

A method, system, and device for electronic certificate modification and data exchange and processing. The method for electronic certificate modification comprises: when an electronic certificate transmitted by a first fund management server is received by a second fund management server, a second terminal transmits to the second fund management server request information for modifying the receiving end of the electronic certificate to a third fund management server (101); the second fund management server receives the request information and transmits the request information and the electronic certificate to the third fund management server (102); and the third fund management server receives the request information and the electronic certificate and modify receiving end information of the electronic certificate on the basis of the request information (103). The degree of flexibility of the means of payment collection is increased by such means for a user of the second terminal.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement

Abrégé

A method, system, and apparatus for altering electronic certificates and processing data exchange. The method for altering an electronic certificate comprises: after receiving over a second money management server an electronic certificate sent by a first money management server, a second terminal sends to the second money management server a request message to change the recipient of the electronic certificate to the user of a third terminal (101); the second money management server receives the request message, and sends a request message to the third terminal (102); the third terminal receives the request message, and sends a response message to the second money management server (103); and the second money management server receives the response message, and on the basis of the response message, changes the recipient of the electronic certificate to the user of the third terminal (104). The present method enables the user of the second terminal to freely alter the payee to the user of another terminal, such that the manner of receiving payment is more flexible.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement

Abrégé

Disclosed are an online funds management method, and a data interaction processing method and device. The online funds management method comprises: upon receiving a second participant electronic certificate payment request sent by a first participant to a first funds management server and sent by the first funds management server, and confirming that the request satisfies an electronic certificate payment condition, a second funds management server sends information of the applied for payment to a second participant; upon receiving the information of the applied for payment, the second participant sends a pause payment command to the second funds management server; the second funds management server responds to the pause payment command, and upon confirming that electronic certificate funds have not yet been paid, respectively sends information of an electronic certificate funds payment pause to the second participant and the first funds management server. The described means effectively ensure that the financial interests of the second participant are not harmed, and effectively prevent the problem of risk to the data security of a second interacting party.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Disclosed are an online funds management method, and a data interaction processing method and device. The online funds management method comprises: a first participant receives a notification that at least a portion of funds within an electronic certificate limit of the first participant are being frozen by a second participant, and sends a request to supplement funds to a target account of the first participant to a first funds management server; the first funds management server responds to the request, and upon confirming that funds of the target account are not less than the funds limit being frozen by the second participant, freezes funds equal to the funds limit being frozen by the second participant, so as to update electronic certificate information, and sends the updated electronic certificate information to a second funds management server; the second funds management server sends the received electronic certificate information to a third participant; the third participant obtains the electronic certificate information. The present invention effectively activates an electronic certificate, and effectively prevents the problem of risk to the data security of a third interacting party.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

An online funds management method, and a data interaction processing method and device. The online funds management method comprises: a first participant sends to a first funds management server a request to deduct funds from an account of a second participant to a target account (S101); in response to the request, the first funds management server performs first participant identity checking (S102); when the first participant identity checking is passed, upon confirming that the funds to be deducted comprise at least a portion of funds of an electronic certificate of the second participant, the first funds management server unfreezes funds not greater than an electronic certificate limit, so as to deduct the funds to the target account, and sends information of the electronic certificate having undergone funds deduction to a second funds management server (S103); the second funds management server sends the received information of the electronic certificate to a third participant (S104); the third participant obtains the information of the electronic certificate (S105). The described means effectively ensure that the financial interests of the third participant are not harmed, and effectively prevent the problem of risk to the data security of a third interacting party.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

An electronic certificate setting method, a data interaction processing method, and a device and system therefor, the electronic certificate setting method comprising: after sending an opening request for an electronic certificate to a first funds management server, a first participant sends a setting request for the electronic certificate to the first funds management server, the setting request comprising information of a period of validity to be set for the electronic certificate (101); in response to the setting request, the first funds management server, upon determining that the setting request satisfies a predetermined setting condition, resets a period of validity of the electronic certificate according to the information of the period of validity to be set (102); in response to the opening request, the first funds management server freezes funds in a specified account of the first participant which are equal to a limit carried by the opening request or supports credit in the specified account of the first participant which is equal to the limit carried by the opening request, and opens the electronic certificate (103). Via the described means, the period of validity of the electronic certificate can be set according to requirements.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

An online funds management method, a data interaction processing method, and a device and system therefor, the online funds management method comprising: a first terminal sends a return request for a received bank credit certificate to a first funds management server (S11); the first funds management server responds to the return request, and upon determining that the bank credit certificate is in a returnable state, sends a return notification for the bank credit certificate to a second funds management server (S12); according to the return notification, the second funds management server unfreezes funds or a credit limit, in an account of a second terminal user, equal to the value of the bank credit certificate (S13). The described means implement the return of transaction funds when a transaction fails, and neither of the parties of the transaction is required to provide account information of the other party.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

A data processing method for issuing an inter-bank electronic certificate, a money management server, and a data processing system for issuing an inter-bank electronic certificate, the method comprising: a first money management server generates a certificate pre-issuing message and sends same to the second money management server (102); and after receiving a message that the second money management server has unfrozen an account, the first money management server issues an electronic certificate (104). The present method, by means of a first bank applying for an electronic certificate to be issued, and another bank simultaneously being designated the second money management server, enriches the scope of application for financial payment tools, thus improving the user experience and being convenient for the user.

Classes IPC  ?

• G06Q 20/22 - Schémas ou modèles de paiement

Abrégé

Disclosed in the present application is a data processing method for substituted issuing of an electronic certificate, comprising: a first money management server sends to a data request terminal a first data message for pre-issuing a certificate; the first money management server receives a second data request message requesting payment by another party returned by the data request terminal and generated on the basis of the first data request for pre-issuing a certificate; and after receiving from a second money management server a message that an account is frozen or line of credit is expended to the value of the issued certificate, the first money management server issues an electronic certificate. Also disclosed in the present application are a data processing system for substituted issuing of an electronic certificate and a first money management server. In the present technical solution, a user applies for an electronic certificate to be issued, but on the basis of freezing the account money or line of credit of another party, thereby resolving the problem in the prior art that when an electronic payment bill is issued, the certificate issuer and the payer must be the same; in the present application, the certificate issuer and the payer are not the same, improving the user experience and being convenient for the user.

Classes IPC  ?

• G06Q 30/00 - Commerce

Abrégé

Disclosed in the present invention are a method and system for changing the certificate issuing bank of an electronic certificate, the method comprising the following process: receiving a first request message from a first terminal; determining whether the request of the first request message meets the conditions for changing the certificate issuing bank; if not, then feeding back to the first terminal a message that changing the certificate issuing bank is not granted; if so, then sending to the first terminal a second certificate issuing message; receiving a third request message from the first terminal; determining whether the request of the third request message meets the conditions for issuing an electronic certificate; if not, then feeding back to the first terminal a message that the issuing of the electronic certificate is not granted; if so, then implementing certificate issuing processing, issuing to the client an electronic certificate of a second certificate issuing bank. By means of the present invention, a client can change the certificate issuing bank by means of sending a first request message, and does not need to re-execute an operation to apply for an electronic certificate to be issued.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement

Abrégé

A method and a server for rejecting an electronic certificate: a certificate receiving bank server receives an electronic certificate sent by a certificate issuing bank (101); determining whether the account information of the certificate receiving party comprised in the electronic certificate meets the receiving standards of the certificate receiving bank (102); if not, then rejecting the electronic certificate sent by the certificate issuing bank server (103). By means of determining whether there is any risk to the account receiving the electronic certificate, an electronic certificate can be rejected if there is any risk, thereby avoiding common transaction risks, effectively ensuring the interests of the user, and improving the security of the e-commerce transaction process.

Classes IPC  ?

• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail

Abrégé

Provided are an electronic-certificate extension period method and device, said method comprising: receiving an extension period request (101); determining whether an electronic certificate contains an identifier of a preset allowed extension period (102); if so, then performing extension period processing of an extension period type event according to the extension period time (103); if not, then sending a query message (104), and if an extension period agreement message is fed back and obtained, then according to said extension period time, performing extension period processing of said extension period type event (105); thus a user may keep track of the processing status of a transaction in real time, and if a user of either party is unable to complete the transaction according to agreement, then both parties have an opportunity to negotiate, reducing the occurrence of disputes during a transaction and allowing for transactions to be carried out more smoothly, thereby improving user experience.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

A method for modifying an electronic certificate, comprising: a certificate receiving bank receives a request to modify the frozen money value of an electronic certificate; the certificate issuing bank receives modification request information; the certificate issuing bank verifies whether the certificate issuing account meets modification conditions; if so, the certificate issuing bank changes the frozen money value on the basis of the information. On the basis of the present method, after agreeing to modify the frozen money value of an electronic certificate, a certificate receiving party can change the frozen money value information on the basis of a request, for the convenience of the business and the user.

Classes IPC  ?

• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique

Abrégé

Disclosed in the present application are a method and system for modifying in stages each stage of the period of validity of an electronic certificate, the method for modifying in stages each stage of the period of validity of an electronic certificate comprising: a client terminal sends a certificate issuing request message to a server; the server sends a certificate pre-issuing message comprising data for the client terminal to modify in stages each stage of the period of validity of the electronic certificate; the client terminal receives the certificate pre-issuing message, and respectively modifies each stage of the period of validity of the electronic certificate, and sends to the server a certificate pre-issuing feedback message comprising the modified stages of the period of validity of the electronic certificate; the server receives the certificate pre-issuing feedback message, and on the basis of the certificate pre-issuing feedback message, issues and electronic certificate. The present invention enables remote modification of the duration of each stage of the period of validity of an electronic certificate, such that use of an electronic certificate is more flexible, enriching the application of financial payment tools, and simultaneously preventing the tedious step and unnecessary repetitive work of re-issuing an electronic certificate as a result of changing the period of validity due to requirements, improving efficiency such that e-commerce applications are more convenient and fast.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

Disclosed is a data processing method for certificate issuance invitation, comprising: a provider party generates invitation data and transmits to a demand party; the demand party generates a certificate issuing request on the basis of the invitation data and transmits to a fund management server; the fund management server determines whether or not the certificate issuing request satisfies a certificate issuing criterion; and if yes, the fund management server freezes an amount of fund or a line of credit for certificate issuing in an account of the demand party and issues an electronic certificate. Also disclosed are the fund management server and a data processing system for certificate issuance invitation. In the present invention, an invitation request is launched by the provider party and can be released to non-specific buyers via the internet or by other means, and the demand party can combine invitation information of the provider party to apply for the issuance of an electronic certificate with a bank at where the demand party has a payment account. The present application provides a novel means of transaction and experience, is convenient and highly efficient, and provides a favorable instrument for the development of electronic commerce.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement
• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

A certificate issuing server, and a data processing method and system for issuing a certificate via an invitation of a certificate receiving bank, comprising: a first participant, on the basis of information provided by a second participant, generates invitation data (102); the certificate receiving bank acquires the invitation data, and sends same to a certificate issuing bank (104); the certificate issuing bank, on the basis of the invitation data, generates an electronic certificate pre-issuing message (106); the second participant receives the electronic certificate pre-issuing message, acquires the certificate issuing account, and sends to the certificate issuing bank a request to issue a certificate (108); and the certificate issuing bank generates an electronic certificate (110). An invitation is issued by a seller, and is further supported by bank credit, such that when a buyer issues an electronic certificate to implement an Internet transaction, as the seller has directly provided receipt-related information, the transaction operation of the buyer is simplified, providing a novel transaction experience for the buyer, which is convenient and efficient, and provides a beneficial tool for the development of mature e-commerce.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

A data processing method, server, and apparatus thereof for periodically issuing electronic certificates: receiving a request message to issue an electronic certificate sent by a certificate issuing terminal according to a preset frequency (101); verifying whether the request message to issue an electronic certificate meets certificate issuing requirements (102); if so, freezing money in an account specified by the certificate issuing terminal or expending a credit value of the account specified by the certificate issuing terminal, and generating an electronic certificate (103). The certificate issuing party, by means of a setting up in advance a fixed frequency for issuing each certificate, can issue an electronic certificate according to the preset frequency for implementing payment, saving the operating time for paying a fixed overhead, optimising the life of the user, and helping the user to develop the habit of regular savings.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

A method, a system, and a device for batch issuing electronic certificates, wherein a certificate issuing client terminal, on the basis of certificate issuing information inputted by a certificate issuing party, generates a plurality of certificate issuing requests, and sends said certificate issuing requests to a certificate issuing bank server; the certificate issuing information comprises the certificate issuing values and the account information of the certificate issuing account, used for freezing money or expending credit; the certificate issuing bank server, on the basis of the account information of the certificate issuing account, freezes money equivalent to the certificate issuing values in the certificate issuing account or expends credit equivalent to the certificate issuing values in the certificate issuing account, and issues electronic certificates corresponding to the plurality of certificate issuing requests. The present method, system, and device for batch issuing of electronic certificates enable a certificate issuing party client terminal to send at one time a plurality of certificate issuing requests to the certificate issuing bank server, and the certificate issuing bank server to issue a plurality of electronic certificates corresponding to the certificate issuing requests, thereby providing the basis for a user to implement one-time payment and settlement for different businesses and/or different e-commerce platforms.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

An electronic certificate issuing method, and a data interaction processing method, device and system. A data request terminal calls from within backup issuing requests a first issuing request corresponding to an electronic certificate requested to be copied; according to modification information used for modifying the first issuing request, a second issuing request is generated on the basis of the first issuing request; an issuing server opens a new electronic certificate according to the second issuing request. Or, the data request terminal obtains identifier information used for a copied electronic certificate and modification information used for modifying the electronic certificate; according to an issuing request carrying the identifier information and the modification information, the issuing server calls out the electronic certificate corresponding to the identifier information, and modifies the electronic certificate according to the modification information, so as to open a new electronic certificate. Via the described means, an electronic certificate is opened by an issuer via copying means, avoiding the inputting of duplicate information by the issuer, and economising the issuing process. The present invention has a high issuing efficiency, and achieves the goal of rapidly opening an electronic certificate.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

Provided are an electronic certificate payment method, apparatus, and system: acquiring certificate receiving information used for representing the account information of the certificate receiving party and the receipt value; generating a payment code using the acquired certificate receiving information; acquiring a certificate issuing request comprising a certificate issuing account provided by the certificate issuing party on the basis of the payment code; and on the basis of the acquired certificate issuing request, generating an electronic certificate. The certificate receiving information used for representing the account information of the certificate receiving party and the receipt value is used to generate a payment code, the certificate issuing request of the certificate issuing party being provided on the basis of said payment code, thus avoiding the emergence of the account information of the certificate receiving party, and thereby improving the security of the account information of the certificate receiving party. The certificate issuing party provides a certificate issuing request on the basis of the payment code, reducing the payment processes in the transaction procedure, and improving the efficiency of financial data exchange.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

A method and system for setting a contract completion time limitation for an electronic certificate. The method for setting a contract completion time limitation for an electronic certificate comprises: a client transmits an electronic certificate issuing request information and contract completion time limitation setting information (S1); a service end receives the electronic certificate issuing request information and the contract completion time limitation setting information transmitted by the client (S2); the service end determines whether or not a contract completion time limitation setting is correct (S3); and if yes, then an electronic certificate is issued on the basis of the contract completion time limitation setting information (S4). By setting the contract completion time limitation for the electronic certificate, capital flow is provided with a time limitation rule, proper disposal in terms of capital flow is facilitated for two parties while safeguarding interests of both parties, and an electronic certificate recipient is encouraged to complete a contract on time, thus increasing the degree of flexibility in using electronic certificates, and enriching the application of financial payment instruments.

Classes IPC  ?

• G06Q 30/02 - Marketing; Estimation ou détermination des prix; Collecte de fonds

Abrégé

A method and system for opening an electronic certificate. The method comprises: a first participant submits an issuing request to an electronic certificate management server (S11), and within the issuing request, specifies a funds account and puts forward an issuing amount; the electronic certificate management server generates preparatory issuing information according to the issuing request, and sends the information to the first participant (S141); after receiving the issuing information, the first participant sets a payment condition (S15); the electronic certificate management server freezes funds or supports credit according to the payment condition set by the first participant and the issuing amount in the issuing request, generates an electronic certificate (S16), and sends the electronic certificate to the first participant. The first participant, i.e. the issuer, may customise the payment condition, and has a better use experience. The present invention better protects the interests of the issuer, better provides a private custom-made service, improves the consumer experience of a user, and enriches modern e-commerce payment forms.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement
• G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

Abrégé

Disclosed are an electronic certificate payment method and device, the method comprising the steps of: receiving an electronic certificate payment application and a payment code submitted by a payment application end; checking the payment code; upon successful checking, executing a payment with regard to an electronic certificate; otherwise, withholding the payment. In the electronic certificate payment method, the payment is performed via the electronic certificate, reducing the transaction risk, and the electronic certificate payment is performed according to the payment code, increasing the security of the electronic certificate. In addition, a receiving end, an issuing end or an authorised third party end may submit the payment according to the payment code, increasing the flexibility and convenience of the electronic certificate payment. Furthermore, a buyer may also use the payment code to sign for an item during a transaction, and a seller may use the payment code to apply to an issuing mechanism for the payment, thereby taking into account the interests of both the buyer and the seller.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

An electronic certificate payment method and device, the method comprising the steps of: a second funds management server successively forwards to a first funds management server at least two payment applications successively sent by a second participant with regard to a same electronic certificate; the first funds management server successively receives the at least two payment applications, determines with regard to each payment application whether a payment application amount is less than or equal to a remaining amount of the electronic certificate, and if so, executes a payment with regard to the electronic certificate. In the electronic certificate payment method, the payments are performed via the electronic certificate, reducing the transaction risk. In addition, the method allows multiple payments to be performed with regard to the same electronic certificate, i.e. implementing single issuing and multiple payments, so that it is not necessary for a buyer, after completing one payment, to open a new electronic certificate to complete the next payment. The method simplifies the payment process, and effectively ensures that the financial interests of a first participant and the second participant are not harmed.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

An electronic certificate payment information transmission method, device and system, belonging to the technical field of Internet finance. The method comprises: after learning that an item has been signed for, a buyer end generates payment information and sends the payment information to a first funds management server (S101); after receiving the payment information, the first funds management server updates the status of a corresponding electronic certificate to a pending payment status and synchronises the status of the electronic certificate to a second funds management server (S102). Via the described solution, during an e-commerce transaction, once the item has been signed for, the buyer end (10) feeds back the payment information to the first funds management server (20), so that the electronic certificate continues to be valid and smoothly transitions to the next status, thereby ensuring timely electronic certificate payment and funds transferal.

Classes IPC  ?

• G06Q 20/22 - Schémas ou modèles de paiement

Abrégé

A network payment method, system and device, the method comprising the steps of: a second terminal sends an electronic certificate payment application and a payment command to a second funds management server (S11); the second funds management server forwards the payment application and the payment command to a first funds management server (S12); the first funds management server verifies the payment command and the status of an electronic certificate corresponding to the payment application (S13), and after verification has been passed, executes a payment with regard to the electronic certificate (S14). The network payment method increases the security of the network payment, ensuring that funds of a buyer are secure, and that a seller receives funds in a timely manner after fulfillment, thereby protecting the interests of both the buyer and the seller, significantly increasing the security of a whole transaction process, and promoting the healthy development of e-commerce.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement

Abrégé

Provided are an electronic certificate payment information transmission method, device and system. The method comprises the following steps: after learning information that an item has been signed for, a seller end generates payment information and sends the payment information to a second funds management server; after receiving the payment information, the second funds management server updates the status of a corresponding electronic certificate to a pending payment status and synchronises the status of the electronic certificate to a first funds management server. Via the present technical solution, the seller end feeds back the payment information in a timely manner, so as to ensure that the electronic certificate continues to be valid and smoothly transitions to the next status, thereby ensuring timely electronic certificate payment and timely funds transferal by the funds management servers.

Classes IPC  ?

• G06Q 20/24 - Schémas de crédit, c. à d. de "paiement différé"

Abrégé

Disclosed are an electronic certificate receiving method and device, belonging to the technical field of Internet finance. The method comprises: a second terminal receives and stores a preset receiving condition of a seller; the second terminal receives a receiving notification sent by a notification end, the receiving notification comprising electronic certificate information; the second terminal compares whether the receiving condition is met according to the electronic certificate information and the receiving condition, and if the receiving condition is met, sends a receiving application to a second funds management server. In the present invention, the second terminal screens electronic certificates meeting the condition and performs collection, and eliminates electronic certificates not meeting a transaction condition, satisfying requirements of the seller for screening and filtering transaction orders and transaction objects, and thereby implementing selective receiving by the seller.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

The present invention is applicable in the field of online payment. Provided are a method, device, and system for receiving a certificate. The method comprises the following steps: receiving a certificate receiving request and identity information transmitted by a seller end, where the certificate receiving request comprises electronic certificate information; verifying the identity information of the seller end; and receiving an electronic certificate upon successful verification. Provided in the present invention, the method, device, and system for receiving a certificate simplify a payment process.

Classes IPC  ?

• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique

Abrégé

An electronic certificate receiving method, device and system, belonging to the technical field of Internet finance. The method comprises: a second client sends at least two receiving requests to a second funds management server (S101); the second funds management server receives all the receiving requests in a batch (S102); the second funds management server performs seller information verification on all the received receiving requests (S103); the second funds management server receives electronic certificates corresponding to all the receiving requests which pass the seller information verification (S104). The second client sends the receiving requests and the second funds management server verifies the seller information, thereby implementing selective receiving by a seller, reducing a network payment error rate, and reducing the transaction risk for both a buyer and the seller. In addition, sending and processing receiving requests in batches further increases receiving efficiency.

Classes IPC  ?

• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique

Abrégé

The present invention relates to the technical field of network payment. Provided are a certificate receiving method, apparatus, and system. The method comprises the following steps: receiving a certificate receiving request triggered by a seller side for an electronic certificate, and authenticating the identity of the seller side; and after the authentication is passed, receiving the electronic certificate. The method, apparatus, and system provided by the present invention can reduce the error rate of network payment.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement
• G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

Abrégé

A method, device, and system for receiving a certificate, applicable in the technical field of online payment. The method comprises the following steps: receiving a certificate issued notification for a first electronic certificate transmitted by a first fund management server, where the certificate issued notification comprises first electronic certificate information (S1); comparing to be issued electronic certificate information stored by a second fund management server with the first electronic certificate information (S2); and when both are identical, receiving the first electronic certificate (S3). The method, device, and system for receiving a certificate obviates the need for confirmation by a certificate recipient before the certificate can be received, thus increasing efficiency and at the same time reducing the error rate of online payment.

Classes IPC  ?

• H04L 29/06 - Commande de la communication; Traitement de la communication caractérisés par un protocole

Abrégé

An electronic certificate receiving method, device and system, belonging to the technical field of Internet finance. The method comprises: a second client sends at least two receiving requests to a second funds management server (S101); the second funds management server sequentially receives one receiving request (S102); the second funds management server verifies seller information corresponding to a current receiving request (S103); if verification is passed, the second funds management server receives an electronic certificate corresponding to the current receiving request (S104); the second funds management server repeatedly executes the above steps until the last receiving request has been processed (S105). In the present method, the second client sends the receiving requests and the second funds management server verifies the seller information, thereby implementing selective receiving by a seller, reducing a network payment error rate, and reducing the transaction risk for both a buyer and the seller.

Classes IPC  ?

• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique

Abrégé

A method and device for rejecting receipt of a certificate, applicable in a server end. The method comprises: receiving an instruction transmitted by a terminal for rejecting receipt of an electronic certificate (S11); processing, on the basis of state information of the electronic certificate, the instruction for rejecting receipt of the electronic certificate and feeding the processing result back to the terminal (S12); updating the state information of the electronic certificate (S13), and when prompt information is received by the terminal, rejecting receipt of the electronic certificate via a server end to change the state of the electronic certificate, thus adding an approach for terminating the electronic certificate, and enhancing user experience in an interactive process with respect to the electronic certificate.

Classes IPC  ?

• G06Q 30/00 - Commerce

Abrégé

A method, device, and system for withdrawing an electronic certificate application. The method comprises: receiving an electronic certificate issuing request submitted by an applicant end (S11); determining whether or not the applicant end corresponding to the electronic certificate issuing request satisfies a certificate issuing criterion (S12); if yes, then feeding back certificate issuance permissible prompt information to the applicant end (S13); and when the applicant end chooses not to operate according to the certificate issuance permissible prompt information, if the fund management server receives a request submitted by the applicant end to withdraw the electronic certificate issuing application (S14), then terminating the electronic certificate issuing process (S15). With the method, device, and system, even after the fund management server prompts the applicant end that certificate issuance is permissible, the applicant end still has an opportunity for determining whether or not to withdraw the certificate issuing request, thus enhancing user experience in an application process for an electronic certificate.

Classes IPC  ?

• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail

Abrégé

Disclosed are a method and device for opening an electronic certificate, the method comprising the steps of: starting to open an electronic certificate according to an issuing request sent by an issuing end and first payment account information sent by a payment end; within an issuing process, receiving a payment account alteration request sent by the issuing end or the payment end, and upon agreeing to alter a payment account, feeding back payment account alteration agreement information; receiving second payment account information sent by the payment end and performing verification; after verification has been passed, freezing funds or a credit limit, corresponding to a limit, in a second payment account and then opening the electronic certificate. In the method, device and system for opening an electronic certificate, opening an electronic certificate having a payment commitment function reduces the transaction risk, and allowing a payment account alteration request to be submitted at any time within an electronic certificate opening process without it being necessary to resubmit an electronic certificate opening request increases the flexibility and efficiency of opening the electronic certificate.

Classes IPC  ?

• G06Q 40/02 - Opérations bancaires, p.ex. calcul d'intérêts ou tenue de compte

Abrégé

A method, device and system for opening an electronic certificate, the method comprising the steps of: starting to open an electronic certificate according to an issuing request sent by an issuing end and first payer information sent by a first payment end (S11); within an issuing process, receiving a payer alteration request sent by the issuing end or the first payment end, and upon agreeing to alter a payer, feeding back payer alteration agreement information (S13); receiving second payer information sent by a second payment end and performing verification (S14); after verification has been passed, freezing funds or a credit limit, corresponding to a limit, in a second payer account and then opening the electronic certificate (S15). Opening an electronic certificate having a payment commitment function reduces the transaction risk for both a buyer and a seller, and allowing an electronic certificate payer alteration request to be submitted at any time within an electronic certificate opening process without it being necessary to resubmit an electronic certificate opening request increases the flexibility and efficiency of opening the electronic certificate.

Classes IPC  ?

• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique

Abrégé

Disclosed are an online transaction method, device and system, the method comprising the steps of: a client generates order information according to an item ordered by a buyer, and sends the order information to an item server; the client sends a bank credit certificate issuing request to a buyer bank server; the buyer bank server generates a bank credit certificate having a to-be-effective status, freezes funds in a buyer account which correspond to an order amount, updates the status of the bank credit certificate to an effective status, and sends the bank credit certificate to a seller bank server; the seller bank server sends a has-been-received notification to the item server; the item server sends the order information to a transaction intermediary server; the transaction intermediary server dispatches according to arrangements, and sends a has-been-received notification to the seller bank server; after receiving the has-been-received notification sent by the seller bank server, the buyer bank server transfers the frozen funds in the buyer account into a seller account of the seller bank server. The present invention reduces the risk to the funds, and increases the security of the transaction information.

Classes IPC  ?

• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique
• G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail

Abrégé

An online transaction method, device and system, the method comprising: after receiving order information sent by a client, an item server sends a bank credit certificate issuing request to a seller bank server according to the order information (S12); the seller bank server generates a bank credit certificate having a to-be-effective status according to the bank credit certificate issuing request, and sends the bank credit certificate to a buyer bank server (S13); the buyer bank server verifies buyer payment checking information obtained by the client (S14); after verification has been passed, the buyer bank server freezes funds in a buyer account which correspond to an order amount, updates the status of the bank credit certificate to an effective status, and sends the bank credit certificate to the seller bank server (S15); the seller bank server updates the status of the effective bank credit certificate to has-been-received, and sends a has-been-received notification to the item server (S16); the item server sends the order information to a transaction intermediary server according to the has-been-received notification (S17); the transaction intermediary server arranges dispatching according to the order information, and after determining that the buyer has received, sends a has-been-received notification to the seller bank server (S18); the seller bank server sends the has-been-received notification to the buyer bank server; after receiving the has-been-received notification, the buyer bank server transfers the frozen funds in the buyer account into a seller account of the seller bank server (S19).

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

An online transaction method, device and system, the method comprising: a client generates order information according to an item ordered by a buyer, and sends the order information to an item server (S11); the client sends a bank credit certificate issuing request to a buyer bank server according to the order information (S12); the buyer bank server generates a bank credit certificate having a to-be-effective status according to the bank credit certificate issuing request, and verifies buyer payment checking information obtained by the client (S13); after verification has been passed, the buyer bank server freezes funds in a buyer account which correspond to an order amount, updates the status of the bank credit certificate to an effective status, and sends the bank credit certificate to a seller bank server (S14); the seller bank server updates the status of the effective bank credit certificate to has-been-received, and sends a has-been-received notification to the item server (S15); the item server sends the order information to a transaction intermediary server according to the has-been-received notification (S16); the transaction intermediary server arranges dispatching according to the order information, and after determining that the buyer has received, sends a has-been-received notification to the buyer bank server (S17); after receiving the has-been-received notification, the buyer bank server transfers the frozen funds in the buyer account into a seller account of the seller bank server (S18).

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

Disclosed are an online transaction method, device and system, the method comprising the steps of: an item server sends a bank credit certificate issuing request to a seller bank server according to order information; the seller bank server generates a bank credit certificate having a to-be-effective status, and sends the bank credit certificate to a buyer bank server; the buyer bank server verifies buyer payment checking information obtained by a client, and after verification has been passed, freezes funds in a buyer account which correspond to an order amount, updates the status of the bank credit certificate to an effective status, and sends the bank credit certificate to the seller bank server; the seller bank server sends a has-been-received notification to the item server; the item server sends the order information to a transaction intermediary server; the transaction intermediary server dispatches according to arrangements, and sends a has-been-received notification to the buyer bank server; the buyer bank server transfers the frozen funds in the buyer account into a seller account of the seller bank server. The present invention reduces the risk to the funds, and increases the security of the transaction information.

Classes IPC  ?

• G06Q 20/16 - Paiements effectués par le biais de systèmes de télécommunication

Abrégé

Disclosed are an online transaction method, device and system, belonging to the technical field of the Internet. The method comprises: a client generates an order according to an item ordered by a buyer, sends the order to an item server, and sends an issuing request to a first bank server; the first bank server generates a bank credit certificate having a to-be-effective status, and verifies buyer payment checking information obtained by the client; if verification is passed, the first bank server freezes funds in a buyer account which correspond to an order amount, updates the status of the bank credit certificate to effective, and sends the bank credit certificate to a second bank server; the second bank server sends a has-been-received notification to the item server, the item server sends a second has-been-received notification to the first bank server after receiving a first has-been-received notification sent by the client, and the first bank server transfers the frozen funds of the buyer account into a seller account of the second bank server. The present invention effectively reduces the risk to the funds, and increases the security of the transaction information.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

An electronic certificate issuing notification method, device and system. The electronic certificate issuing notification method comprises: receiving an issuing request, generating a corresponding bank credit certificate according to the issuing request, and generating a notification that the bank credit certificate has been issued (101); sending the has-been-issued notification to a second terminal corresponding to a receiver, or sending the has-been-issued notification to a second funds management server corresponding to a receiving account (102). The method, device and system ensure that the receiver obtains an electronic certificate issuing situation in a timely manner, and reduces the transaction risk for both a buyer and a seller.

Classes IPC  ?

• G06Q 20/16 - Paiements effectués par le biais de systèmes de télécommunication

Abrégé

The present invention relates to a method, device, and system for determining an electronic certificate recipient. The method for determining an electronic certificate recipient: transaction information broadcasted by a first terminal to the external and a certificate issued notification for an electronic certificate are received, where the certificate issued notification is transmitted to the first terminal when a certificate issuing request is transmitted by the first terminal to a first fund management server and the corresponding electronic certificate is generated by the first fund management server; when a user triggers a certificate receiving instruction on the basis of the transaction information, the user is determined as the recipient of the electronic certificate, a certificate receiving application is transmitted to a second fund management server on the basis of the certificate receipt instruction, and the electronic certificate transmitted by the first fund management server is received by the second fund management server.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

A network transaction-based refill method and device. The method comprises: receiving a refill request transmitted by a first terminal (101), where the refill request carries a paying account, a refill amount, and a receiving account; paying a fund of the refill amount in the paying account to the receiving account (102); freezing the fund of the refill amount received in the receiving account and generating a refill voucher corresponding to the refill amount (103); and transmitting the refill voucher to the first terminal (104).

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

An electronic certificate setting method, and a data interaction processing method, device and system, the electronic certificate setting method comprising: a first participant sends a request to apply to open an electronic certificate to a funds management server, the request comprising an opening date and a limit of the electronic certificate (101); the funds management server determines whether the opening date satisfies a preset time range (102); if the opening date satisfies the preset time range, the funds management server, when the opening date is reached, freezes funds in a specified account of the first participant which are equal to the limit included in the request or supports credit which is equal to the limit included in the request, and opens the electronic certificate (103). The method is advantageous for the reasonable arrangement of funds usage by the first participant, improves the experience, and enriches online transaction means.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement

Abrégé

A method, system, and apparatus for altering electronic certificates and processing data exchange. The method for altering an electronic certificate comprises: after receiving over a second money management server an electronic certificate sent by a first money management server, a second terminal sends a request message to the second money management server to change the account of the user of the second terminal (101); wherein, the account of the user of the second terminal is used for receiving unfrozen money of an equivalent value to that of the electronic certificate, the electronic certificate being an electronic certificate of a commitment to payment issued by the first money management server when the user of a first terminal, using the account money or line of credit of said user as a security deposit, makes an application to said first money management server; the second money management server receives the request message, and on the basis of the request message, alters the account information of the user of the second terminal (102). By means of the aforementioned method, the present method enables the user of the second terminal to freely alter the account thereof, such that the manner of receiving payment is more flexible.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement

Abrégé

An online funds management method, and a data interaction processing method and device. The online funds management method comprises: a first participant sends a request to freeze account funds of a second participant to a first funds management server (S101); in response to the request, the first funds management server performs first participant identity checking (S102); when the first participant identity information checking is passed, upon confirming that the funds to be frozen comprise at least a portion of funds of an electronic certificate of the second participant, the first funds management server freezes funds not greater than an electronic certificate limit, and sends information of the electronic certificate having undergone funds freezing to a second funds management server (S103); the second funds management server sends the received information of the electronic certificate to a third participant (S104); the third participant obtains the information of the electronic certificate (S105). The method effectively ensures that the interests of the third participant are not harmed, and effectively prevents the problem of risk to the data security of a third interacting party.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

Disclosed are an online funds management method, and a data interaction processing method, device and system, the online funds management method comprising: a first terminal sends a generation request for a refund certificate for a bank credit certificate to a first funds management server; in response to the generation request, the first funds management server freezes funds in an account of a first terminal user which are equal to the value of the bank credit certificate; the first funds management server generates the refund certificate which is equal in value to the bank credit certificate; the first terminal receives refund certificate information sent by the first funds management server. The described means implement the return of transaction funds when a transaction fails, and neither of the parties of the transaction is required to provide account information of the other party.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

A method, a system, and a device for transferring the right to confirm the issuance of an electronic certificate, the system comprising a first certificate issuing client terminal, a money management server, and a second certificate issuing client terminal, the money management server communicating respectively with the first certificate issuing client terminal and the second certificate issuing client terminal. The first certificate issuing client terminal, on the basis of information input by a first certificate issuing party, generates a certificate issuing request, and sends the certificate issuing request to the money management server; the money management server, on the basis of the certificate issuing request, freezes money equivalent to the value of the certificate in the account corresponding to the first certificate issuing party or expends credit equivalent to the value of the certificate in the account corresponding to the first certificate issuing party; the first certificate issuing client terminal acquires a command inputted by the first certificate issuing party to transfer to a second certificate issuing party the right to confirm the issuance of the certificate, and sends said command to the money management server; and the money management server, on the basis of the command, sends to the second certificate issuing party a request to transfer the right to confirm the issuance of the certificate. The certificate issuing party can thereby transfer the right to confirm the issuance of an electronic certificate to a third party.

Classes IPC  ?

• G06Q 20/12 - Architectures de paiement spécialement adaptées aux systèmes de commerce électronique

Abrégé

A method, a server, a terminal, and a system for changing the period of validity of an electronic certificate, comprising the following steps: acquiring a certificate issuing request message generated by a terminal (S101), the certificate issuing request message comprising the ID information of the applicant and the payment account information; on the basis of the acquired certificate issuing request message, generating a certificate pre-issuing request message (S102) and sending same to the terminal; acquiring a period of validity change request message generated by the terminal (S103), the period of validity change request message comprising a new period of validity; on the basis of the acquired period of validity change request message, determining whether to change the period of validity of the electronic certificate (S104); if so, then changing the period of validity of the electronic certificate (S105). The period of validity of the electronic certificate can be changed before the certificate is issued, such that, when changing the period of validity of the electronic certificate, the applicant does not need to re-implement the certificate organising service, saving the applicant the certificate issuing time.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile

Abrégé

A frozen money content modification method, and a data processing method, apparatus, and system; a certificate issuing client terminal, on the basis of money freezing content modification information inputted by a certificate issuing party, generating a money freezing content modification application, and sending same to a certificate issuing bank server: the certificate issuing bank server, on the basis of the money freezing content modification application, determines whether the modified money freezing content meets freezing requirements, and if so, then on the basis of the money freezing content modification application, modifies the money freezing content of an electronic certificate; and if not, then refuses to modify the money freezing content. In the present money freezing content modification method, a user can replace the money freezing content according to the needs of said user, such that the user can more flexibly control the dynamics of the money in the account. In the present data processing method, apparatus, and system, a user can replace data freezing content according to the needs of said user, such that the user can more flexibly configure frozen data.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

A method for returning an electronic certificate, comprising: a certificate issuing bank receives an electronic certificate return request and transmits the request to a certificate receiving bank; the certificate receiving bank receives the electronic certificate return request and transmits the request to a certificate recipient; the certificate receiving bank receives information fed back by the certificate recipient, and if the content of the feedback information is such that the certificate recipient determines to return an electronic certificate, then the certificate issuing bank receives the electronic certificate returned by the certificate receiving bank. By means of the method, when the electronic certificate is received by the certificate recipient, a certificate issuer is allowed to apply with the certificate recipient for the electronic certificate to be returned, and if the certificate recipient agrees to return the electronic certificate, then the system returns the electronic certificate to the certificate issuer according to details negotiated by both parties; hence, both parties to a transaction can reach an agreement through negotiation at any time to return the electronic certificate, thus simplifying operation and facilitating both parties to the transaction.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement

Abrégé

Disclosed in the present application is a data processing method for organising the issuing of a certificate, comprising: a server receives a certificate issuing request from a demanding party; the server determines whether the demanding party meets the certificate issuing requirements; if so, then the server freezes money or expends credit of a value equivalent to the certificate in a specified account of the demanding party, and issues an electronic certificate. Also disclosed in the present application are a data processing system for organising the issuing of a certificate and a first money management server. In the present application, because after receiving the certificate issuing request of the demanding party, the money management server first determines whether the demanding party meets the certificate issuing requirements, and if so, then the server freezes money or expends credit of a value equivalent to the certificate in a specified account of the demanding party, and issues an electronic certificate, by means of the demanding party requesting the certificate issuing bank to issue the electronic certificate, when a product has not yet been received, the money is always located in the bank account, thereby preventing the demanding party from not making a payment after receiving the product; financial security is high and the scope of application for financial payment tools is enriched, providing a beneficial tool for boosting the development of mature e-commerce.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement
• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

A data processing method, apparatus, and server for setting up fixed value electronic certificates: receiving a request message generated by a certificate issuing party to set up an electronic certificate (101); acquiring a fixed value for issuing electronic certificates pre-registered by the certificate issuing party (102); verifying whether the available amount of money in the payee account is greater than or equal to the fixed value (103); and if so, then freezing the corresponding available amount of money in the payee account, and generating an electronic certificate (104). Thus, an electronic certificate of a fixed value can be set up, and when implementing some consumer payments of the same value, only one value needs to be set up; for each subsequent operation, electronic certificates for implementing payment can be generated according to the preset fixed amount, thereby simplifying the payment operation. Each time, only one electronic certificate is issued, and therefore establishing a fixed value can reduce losses caused by errors in the operations of the certificate issuing party, thus increasing the security of payments.

Classes IPC  ?

• G06Q 20/22 - Schémas ou modèles de paiement

Abrégé

Provided are an electronic certificate issuing method, apparatus, and system, comprising: reservation information acquisition, acquiring reservation information acquisition inputted by a certificate issuing party; account information retrieval, retrieving the account information bound to the reservation information, the account information comprising the bank account of the certificate issuing party and the issuable certificate value; account information display, displaying the account information to the certificate issuing party; certificate issuing information acquisition, acquiring the certificate issuing information of the certificate issuing party, the certificate issuing information comprising the selected bank account and inputted certificate issuing value, the inputted certificate issuing value being no greater than the issuable certificate value; and electronic certificate generation, on the basis of the acquired certificate issuing information of the certificate issuing party, generating a bank credit certificate. Reservation information inputted by the certificate issuing party is acquired and the account information of the certificate issuing party is retrieved on the basis of said reservation information, the account information comprising the bank account of the certificate issuing party and the issuable certificate value, thus reducing the amount of bank account information to be remembered by a user, and reducing the amount of data to be inputted, shortening the operating procedure, and improving payment efficiency.

Classes IPC  ?

• G06Q 20/22 - Schémas ou modèles de paiement

Abrégé

A method and system for setting a certificate receipt time limitation for an electronic certificate. The method for setting a certificate receipt time limitation for an electronic certificate comprises: a client transmits electronic certificate issuing request information and certificate receipt time limitation setting information (S1); a service end receives the electronic certificate issuing request information and the certificate receipt time limitation setting information transmitted by the client (S2); the service end determines whether or not a certificate receipt time limitation setting is correct (S3); and if yes, then an electronic certificate is issued on the basis of the certificate receipt time limitation setting information (S4). By setting the certificate receipt time limitation for the electronic certificate, capital flow is provided with a time limitation rule, proper disposal in terms of capital flow is facilitated for two parties while safeguarding interests of both parties, and an electronic certificate recipient is encouraged to complete a contract on time, thus increasing the degree of flexibility in using electronic certificates, and enriching the application of financial payment instruments.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

A method, server, terminal, and system for setting the maturity of an electronic certificate. The method comprises the following steps: acquiring electronic certificate issuance information transmitted by a terminal, where the electronic certificate issuance information comprises maturity information of an electronic certificate; determining whether or not the maturity information is reasonable (S203); and if yes, then producing an electronic certificate comprising the maturity (S204). The maturity of the electronic certificate is set by setting payment application information, thus increasing control over an electronic certificate fund, facilitating management of funds, and at the same time increasing the security of capital flow.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

Provided are a method and system for setting a cumulative effective period; said method comprises: according to a set effective-period rule, detecting the state of information of an electronic certificate within the effective period for receiving a certificate, the effective period of an agreement, and the effective period of application for payment, and adding, to the time frame of the effective period of the agreement, the remainder of the unused time of the effective period for receiving a certificate, and adding, to the time frame of the period of application for payment, the remainder of the unused time of the new time frame of the effective period for honoring the agreement. The effective period for receiving a bank credit certificate, the effective period for honoring an agreement, and the effective period for applying for payment are set and detected, not only allowing an issuer to more rationally arrange a means of allocating funds, but also encouraging a recepient to promptly receive an electronic certificate and honor the agreement and apply for payment, such that the transaction proceeds more smoothly.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

Disclosed are a method and system for automatically configuring the payment conditions of an electronic certificate. Specifically, receiving a request from a first terminal to issue an electronic certificate; determining whether the request to issue an electronic certificate meets preset certificate issuing requirements; if not, then not granting the issuing of the electronic certificate; if so, then further invoking account data provided by the first terminal, and determining whether the account data meets preset value requirements; if not, then not granting the issuing of the electronic certificate; if meeting the preset value requirements, then automatically configuring electronic certificate payment conditions for the request to issue an electronic certificate; freezing the money value and/or expending the credit value in the account provided by the first terminal; generating an electronic certificate, and sending same to the first terminal. The present method and system can determine whether the request to issue an electronic certificate meets the requirements for automatic configuration of electronic certificate payment conditions, which is beneficial for clarifying electronic certificate payment conditions and facilitates the seller completing their tasks as required and promptly settling payment.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance

Abrégé

An electronic certificate-based discount method and device. The method comprise the steps of: receiving a discount request provided by a certificate receiving end on the basis of an electronic certificate (S11); determining the amount of a discounted fund (S12); paying the discounted fund to the certificate receiving end (S13); and changing a receiving account of the electronic certificate (S14). With the electronic certificate-based discount method and device, by means of transferring the right to acquire the electronic certificate for payment of the fund to a certificate receiving institution, a certificate recipient acquires payment of the fund ahead of time, thus increasing the flexibility of payment.

Classes IPC  ?

• G07F 19/00 - Systèmes bancaires complets; Dispositions à déclenchement par carte codée adaptées pour délivrer ou recevoir des espèces ou analogues et adresser de telles transactions à des comptes existants, p.ex. guichets automatiques

Abrégé

An electronic certificate payment method, system and device, the method comprising the steps of: an issuing end respectively sends information of an electronic certificate to at least two receiving ends (S11); each receiving end respectively submits a payment request to a first funds management server via a corresponding second funds management server (S12); the first funds management server respectively performs a payment with regard to the electronic certificate according to the payment request of each receiving end (S13); In the electronic certificate payment method, the payments are performed via the electronic certificate, reducing the transaction risk. In addition, the method allows a plurality of receiving ends to perform multiple payments with regard to the same electronic certificate, so that it is not necessary for the issuing end, after completing one payment or transaction, to open a new electronic certificate to complete the next payment or transaction, thereby improving the convenience and flexibility of electronic certificate use, and simplifying the transaction process, so that the same electronic certificate may complete a plurality of transactions.

Classes IPC  ?

• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

Disclosed are an electronic certificate payment method, system and device, the method comprising the steps of: a third party end sends payment application information to a first funds management server according to authorisation information of a first party and a second party; the first funds management server receives the payment application information, and performs an electronic certificate payment according to the payment application information. In the electronic certificate payment method, the payment is performed via an electronic certificate, reducing the transaction risk. In addition, the method allows the third party authorised by the first party and the second party to submit the payment application information to apply for the electronic certificate payment, increasing the flexibility of the electronic certificate payment. Since the third party is an intermediate party connecting the first party and the second party, and able to rapidly obtain transaction information of both parties, transaction progress may therefore be fed back to a system in a timely manner to advance the transaction process so that a seller is able to receive payment in a timely manner after fulfillment, thereby protecting the interests of both a buyer and the seller, and increasing transaction efficiency.

Classes IPC  ?

• G06Q 20/16 - Paiements effectués par le biais de systèmes de télécommunication

Abrégé

Disclosed are a network payment method, system and device, the method comprising the steps of: a second funds management server verifies the identity of a payment applicant according to an electronic certificate payment application sent by a second terminal, and after verification has been passed, sends the payment application to a first funds management server, the payment application comprising proof information that the payment applicant has fulfilled; the first funds management server verifies the status of an electronic certificate corresponding to the payment application, and after verification has been passed, executes a payment with regard to the electronic certificate. The network payment method ensures that funds of a buyer are secure, and that a seller receives funds in a timely manner after fulfillment, thereby increasing the security of the network payment, protecting the interests of both the buyer and the seller, reducing the transaction risk, and promoting the healthy development of e-commerce.

Classes IPC  ?

• G06Q 20/08 - Architectures de paiement
• G06Q 20/38 - Architectures, schémas ou protocoles de paiement - leurs détails

Abrégé

An electronic certificate payment information transmission method, device and system, belonging to the technical field of Internet finance. The method comprises: after learning information that an item has been signed for, a third party terminal generates payment information and sends the payment information to a second funds management server and/or a first funds management server (S101); if the third party terminal only sends the payment information to the second funds management server, the second funds management server forwards the payment information to the first funds management server (S102); after receiving the payment information, the first funds management server updates the status of a corresponding electronic certificate to a pending payment status and synchronises the status of the corresponding electronic certificate to the second funds management server (S103). The third party terminal feeds back the payment information in a timely manner, the payment information pushes a transaction process and is difficult to tamper with, and the information is transferred in a more secure manner, so that the electronic certificate smoothly transitions to the next status, electronic certificate payment occurs in a timely manner, and a seller obtains funds.

Classes IPC  ?

• G06Q 20/16 - Paiements effectués par le biais de systèmes de télécommunication

Abrégé

Disclosed are an electronic certificate fulfillment information transmission method, device and system, belonging to the technical field of Internet finance. The method comprises: a seller end sends fulfillment information to a second funds management server and/or a first funds management server (S101); after receiving the fulfillment information, the second funds management server and/or the first funds management server updates the status of a corresponding electronic certificate according to the fulfillment information (S102). The seller end feeds back the fulfillment information in a timely manner, thereby completing the transfer of the fulfillment information, ensuring that the electronic certificate continues to be valid and smoothly transitions to the next status, and ensuring the smooth execution of a transaction.

Classes IPC  ?

• G06Q 20/22 - Schémas ou modèles de paiement

Abrégé

Disclosed are an electronic certificate receiving method, device and system, belonging to the technical field of Internet finance. The method comprises: a second terminal sends a preset receiving condition to a second funds management server; the second funds management server receives and stores the receiving condition, after receiving a receiving notification sent by a notification end, compares whether the receiving condition is met according to electronic certificate information and the receiving condition, and if the receiving condition is met, receives a corresponding electronic certificate. In the present invention, the second funds management server, via the receiving condition set by the second terminal, screens electronic certificates meeting the condition and performs collection, and eliminates electronic certificates not meeting a transaction condition, satisfying requirements of a seller for screening and filtering transaction orders and transaction objects, and thereby implementing selective receiving by the seller.

Classes IPC  ?

• G06Q 20/40 - Autorisation, p.ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasin; Examen et approbation des payeurs, p.ex. contrôle des lignes de crédit ou des listes négatives

Abrégé

An electronic certificate fulfillment information transmission method, device and system, belonging to the technical field of Internet finance. The method comprises: a third party terminal generates fulfillment information according to fulfillment behaviour or receives fulfillment information sent by a seller end (S101); the third party terminal sends the fulfillment information to a second funds management server and/or a first funds management server (S102); after receiving the fulfillment information, the second funds management server and/or the first funds management server updates the status of a corresponding electronic certificate according to the fulfillment information (S103). A third party feeds back the fulfillment information via the third party terminal, the fulfillment information is difficult to tamper with, and the transfer of the fulfillment information is completed in a more secure manner, ensuring that the electronic certificate continues to be valid and smoothly transitions to the next status, and ensuring the smooth execution of a transaction.

Classes IPC  ?

• G06Q 20/02 - Architectures, schémas ou protocoles de paiement impliquant un tiers neutre, p.ex. une autorité de certification, un notaire ou un tiers de confiance

Abrégé

The preset invention is applicable in the technical field on online payment. Provided are a method, device, and system for receiving a certificate. The method comprises the following steps: receiving an electronic certificate to be received; generating a certificate to be received notification and transmitting to a corresponding seller end to allow the seller end to confirm to receive the certificate; and receiving the electronic certificate when the seller end confirms to receive of the certificate. The method, device, and system provided in the present invention for certificate receipt are convenient and rapid and increase the efficiency of online payment.

Classes IPC  ?

• G06Q 20/10 - Architectures de paiement spécialement adaptées aux systèmes de banque à domicile
• G06Q 20/16 - Paiements effectués par le biais de systèmes de télécommunication
• G06Q 20/42 - Confirmation, p.ex. contrôle ou autorisation de paiement par le débiteur légal

Abrégé

An interbank clearing method, comprising: acquiring data of multiple electronic certificates to be cleared within a first preset time, where the data comprises first data and second data, the first data corresponds to a first bank server, and the second data corresponds to a second bank server (102); utilizing the first data and the second data to produce a reconciliation file, where the reconciliation file comprises a total clearing amount (104); transmitting the reconciliation file to the first bank server and the second bank server, thus allowing the first bank server and the second bank server to respectively verify the reconciliation file and return verification information (106); when the verification information is received, utilizing the reconciliation file to produce a clearing packet (108); and transmitting the clearing packet to the first bank server, thus allowing the first bank server to transfer the total clearing amount to the second bank server on the basis of the clearing report (110). Also provided are an interbank clearing system, an interbank clearing server, and a nonvolatile computer storage medium.

Classes IPC  ?

• G06Q 40/00 - Finance; Assurance; Stratégies fiscales; Traitement des impôts sur les sociétés ou sur le revenu

Abrégé

An electronic certificate payment method, system and device, the method comprising the steps of: a second funds management server receives a payment application sent by a payment application end, and sends the payment application to a first funds management server (S12); the first funds management server starts to perform a payment with regard to an electronic certificate according to the payment application (S13); within a payment process, the second funds management server receives a payment amount reduction request sent by the payment application end, and sends the payment amount reduction request to the first funds management server (S15); the first funds management server updates a payment amount of the electronic certificate according to the payment amount reduction request (S16), and performs the payment with regard to the electronic certificate according to the updated payment amount (S17). The payment is performed via the electronic certificate, reducing the transaction risk. In addition, a payment amount reduction may be submitted at any time within an electronic certificate payment process without it being necessary to open a new electronic certificate again, thereby increasing the flexibility and convenience of the electronic certificate payment, and increasing payment efficiency.

Classes IPC  ?

• G06Q 20/00 - Architectures, schémas ou protocoles de paiement

Abrégé

Disclosed are a method, system and device for opening an electronic certificate, the method comprising the steps of: an issuing end sends an issuing request to a funds management server, the issuing request comprising issuing amount information, payer identity information and payment account information; the funds management server verifies the issuing request according to the issuing amount information, the payer identity information and the payment account information; when the issuing request passes verification, the funds management server opens an electronic certificate; when the issuing request does not pass verification, the funds management server refuses to open an electronic certificate. A payment is performed via the electronic certificate, reducing the transaction risk, the issuing request is verified according to the issuing amount information, the payer identity information and the payment account information, significantly reducing the electronic certificate opening segment risk, and the transaction risk is controlled from source, further reducing the transaction risk.

Classes IPC  ?

• G06Q 30/00 - Commerce

Abrégé

A method and system for issuing an electronic certificate, related to the technical field of online payment. The method comprises: an electronic certificate issuing request is submitted by an applicant end to a fund management server, where the electronic certificate issuing request comprises a payment mode for the electronic certificate (S11); a determination is made on whether or not the payment mode is a preset payment mode (S12); if yes, then a payment code corresponding to the electronic certificate is acquired (S13); and the payment code is transmitted to a designated end (S14). The method, insofar that a certificate issuing criterion is satisfied, sets the payment code when the certificate is being issued, thus increasing the security of payment; correspondingly, a certificate recipient simply provides the payment code to complete payment when receiving the certificate, thus also increasing the degree of convenience of payment, and enhancing user experience.

Classes IPC  ?

• G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projets; Planification d’entreprise ou d’organisation; Modélisation d’entreprise ou d’organisation