CA2993258A1

CA2993258A1 - Electronic certificate payment method, apparatus, and system

Info

Publication number: CA2993258A1
Application number: CA2993258A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Also published as: WO2017012024A1

Abstract

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.

Description

Electronic Certificate Payment Method, Apparatus, And System Technical Field [0001] The present invention relates to the field of financial data processing, and in particular to a payment method, device and system for an electronic certificate.

[0002] Background Technology

[0003] With the development of E-commerce and the development of Internet technology, especially mobile Internet technology, users may connect to the Internet for transactions, social activities and so on through mobile devices or other smart terminals using, for example, 2G, 3G, 4G or Wifi etc. internet users can easily and effectively conduct online activities.

[0004] In the existing technology, people's electronic payment activities need to record the seller's account information, on the one hand, it brings trouble to the buyer's payment, which is likely to lead the buyer to incorrectly enter the seller's account and cause the transaction more cumbersome. On the other hand, the seller's account will leak out, which cause great security risks to the seller's account information and so on.

[0005]

[0006] Summary of the Invention

[0007] The present application provides an electronic certificate payment method, device and system to reduce the payment process in the transaction process, improve the efficiency of financial data exchange, and improve the transaction security.

[0008] According to a first aspect, an example provides a method for payment of an electronic certificate, which includes:

[0009] Obtaining the information for the collection of the account information and the amount of the credit limit; generating the payment code by using the obtained card information; and obtaining the issuing certificate provided by the issuing party according to the payment code, including the card issuer's account request; generate an electronic certificate based on the obtained issuing request.

[0010] According to a second aspect, an example provides a payment device of an electronic certificate, which includes:

[0011] A certificate information acquisition module is used to obtain the collection information of the account information and collection amount of the receiving party; a code generation module is used to generate a payment code from the acquired certificate information; and a card issuing request acquisition module is used to obtain an issuing request provided by an issuing party, including an issuing party account; an electronic certificate generating module is used to generate an electronic certificate according to the obtaining issuing request.

[0012] According to a third aspect, an example provides a payment system for an electronic certificate, including: a collection client, a bank transaction terminal, and a card issuer, and the collection client acquires a payment certificate used for characterizing the card issuer account information and a credit limit, and generates the payment code; the issuing client obtains the payment code generated by the receiving client and delivers the payment code to the bank transaction terminal including the issuing party account, including the issuing request; bank transaction based on the obtained issuing certificate to generate electronic certificate.

[0013] According to the method, the device and the system for the payment of the electronic certificate according to the above example, since the payment code is generated from the collection information for characterizing the collection of the credit card account information and the collection limit, the issuing party's card issuing request is issued according to the payment code so as to avoid the appearance of the account information of the collection party and improve the security of the account information of the collection party. The issuing party can provide the issuing request according to the payment code to reduce the payment process in the transaction process and improve the efficiency of financial data exchange.

[0014] Brief Description

[0015] Figure 1 is a schematic diagram of an electronic certificate payment system disclosed in this example;

[0016] Figure 2 is a flow chart of an electronic certificate payment method also disclosed in this example;

[0017] Figure 3 is an example schematic diagram of generating an electronic certificate payment by the electronic certificate payment system disclosed in this example

[0018]

[0019] Description of the Preferred Examples

[0020]

[0021] The following specific examples with the accompanying drawings of the present invention will be described in further detail.

[0022] In order to facilitate the understanding of the technical personnel in this field, an example of the electronic certificate process is further illustrated:

[0023] After the order is formed by both parties, the issuing bank will apply for the opening of the

24 PCT/CN2015/084593 certificate. Usually, the issuing party can apply for issuing a certificate when forming a specific trading order. Alternatively, when the trading order is not formed, the issuing party can voluntarily apply for issuing the card.
[0024] After the issuing bank accepts the application, it opens an electronic certificate (for example, Bank Credit Certificate) and stores the amount of the electronic certificate in the issuer's fund account for corresponding reservation. It is generally understood that the amount of funds frozen or credit lines are frozen.

[0025] Please refer to Figure 1, which is a schematic diagram of a payment system of an electronic certificate disclosed by the example, the payment system of the electronic certificate includes: a card issuing client A, a card receiving client C, bank transaction terminal B that can be connected separately with the issuing client A and the receiving client C signal, wherein,

[0026] The collection client C acquires the collection information that is used to characterize the acquirer's account information and the collection limit, and generates the payment code by using the acquired collection card information. Preferably, the payment code is a QR code or a barcode.

[0027] The issuing client A acquires the payment code generated by the receiving client C, and delivers the issuing request including the issuer account to the bank transaction terminal B
according to the obtained payment code. In a preferred example, when the payment code is QR code, the issuing client A can be obtained by means of a camera scan of its configuration.

[0028] Bank transaction B generates an electronic certificate based on the obtained issuing request. In a preferred example, the bank transaction terminal B further determines whether the withdrawal limit is smaller than the openable limit of the issuer account.
If the withdrawal limit is smaller than the openable limit of the issuer account, the bank transaction terminal B generates electronic certificate.

[0029] This example also discloses an electronic certificate payment device, the electronic certificate payment device includes: a certificate information acquisition module, a code generation module, a certificate request acquisition module, and an electronic certificate generation module,

[0030] A certificate information acquisition module is used to acquire certificate information used to characterize the cardholder account information and a credit limit; a code generation module is used to generate a payment code from the acquired certificate information, and preferably, the payment code is a QR code; a card issuing request acquisition module is used to obtain an issuing request provided by an issuing party, including an issuing party account; an electronic certificate generating module is used to generate an electronic certificate according to the obtaining issuing request. Preferably, the electronic certificate generating module includes: a determining unit is used to determine whether the receiving limit is smaller than the openable limit of the issuer account.

[0031] Based on the electronic certificate payment device disclosed in the above example, this example also discloses a method for payment of an electronic certificate, please refer to Figure 2, which is a flow chart of the payment method. The specific payment method includes the following steps:

[0032] In step 100, the acquiring information is acquired, and the acquiring information used for characterizing the acquirer's account information and the receiving limit is obtained. In a specific example, the credit limit is usually the price marked on the commodity. The account information of the receiving party includes the account information and the receiving bank of the receiving party. Of course, in other examples, the certificate information may further include other information.

[0033] Step 200: the code is generated, and the payment information is generated and the payment code is generated. In this example, the bank transaction system may transmit the corresponding financial data to the collection party account according to the payment code.
The payment code is the code that can be identified by the issuing party, such as barcode, QR code, etc. In a preferred example, the payment code is QR code.

[0034] Step 300: the issuing request is acquired, and the issuing request including the issuer account provided by the issuing party according to the payment code is acquired.
Normally, the issuing party will provide the issuing request after identifying the payment code. The issuing request includes the account information (such as account number and issuing bank, etc.) of the issuing party and the quota to be issued by the issuing party.
Generally speaking, the issuing amount is equal to the receiving amount of the receiving party. After the issuing party provides the issuing request, the banking transaction system can obtain the requested financial data.

[0035] Step 400, the electronic certificate is generated, and an electronic certificate is generated according to the obtained issuing request. In a preferred example, before generating the electronic certificate, it is also possible to execute a step of determining whether the withdrawal amount is less than the issuer amount of the issuer account to ensure the security of the transaction. Specifically, the so-called negotiable limit is related to the issuer account, for example, it may be the balance of the issuer account and may also be the credit limit of the issuer account. Electronic certificate is generated if the amount of the receivable is less than the opening amount of the open party account.

[0036] In order to facilitate the understanding of technical personnel in this field, the implementation example also discloses an example of electronic certificate payment made by electronic certificate payment system. In a specific example, the card issuing client may be a mobile phone. Of course, in other examples, it can also be an intelligent terminal that can interact with the bank trading terminal to achieve data interaction, such as a computer, a notebook, a tablet computer, and so on and the client is a mobile phone. Of course, in other examples, other smart terminals capable of data interaction with a bank transaction terminal, such as a computer, a notebook, a tablet computer or the like, may also be used.
The bank transaction terminal may exchange data with a bank transaction system, the bank transaction system includes the issuing bank and the receipt bank. In a specific example, the issuing bank and the receipt bank may be the same bank or different banks.

[0037] In the following example, the electronic certificate Bank Credit Certificate is taken as an example for description.

[0038] In this example, please refer to Figure 3, the specific generated electronic certificate payment operation is as follows:

[0039] (1) Receiving party login registration client, enter the recipient's user information, receiving bank, account information, and the receiving party's receipt amount.

[0040] (2) After receiving information such as the user information, the credit card issuing bank, the account information, and the card receiving amount of the receiving party, the collecting party transmits the information data to a bank transaction system (for example, a receiving bank), the bank transaction system records the above information; on the other hand, the receiving client generates a QR code according to the above information data.
Specifically, the issuing party can paste the generated QR code into the corresponding commodity in the form of pictures.

[0041] (3) The issuing party logs in to the issuing client and scans the QR
code in the commodity through the camera configured by the client. Of course, in other examples, the QR code generated by the collection client may also be stored in the issuing client, and the issuer reads the QR code by using the built-in identifier identification of the issuing client.

[0042] (4) After the issuing party scans the QR code, using its built-in recognizer to identify and obtain the contents of the QR code, usually the issuing party can identify and obtain the contents of the subject price data of the receiving party.

[0043] (5) The issuing party confirms the collection information (for example, the commodity price) of the collection party and delivers the confirmation information to the transaction terminal that generates the issuing request including at least the issuing account and the issuing amount.

[0044] (6) Bank transaction terminal receives the issuing party's issuing request.

[0045] (7)The bank transaction terminal determines the opening amount in the opening request. If the opening amount is greater than the opening amount of the issuing party's account, the bank transaction terminal delivers back the data of the opening issuing request to the issuing client; if the opening amount does not exceed the openable amount of the issuing party's account, the bank transaction terminal froze the corresponding amount within the issuing bank's account and generated a Bank Credit Certificate.

[0046] In this example, since the QR code is used to generate the QR code for the certificate information of the acquirer's account information and the collection limit, the issuer's request for issuing a certificate is provided according to the QR code, thereby avoiding the account of the acquirer 's information is presented, which improves the security of the account information of the receiving party.

[0047] The issuing party may provide the issuing request according to the QR
code to reduce the payment process in the transaction process, and improve the efficiency of financial data exchange.

[0048]

[0049] It may be understood by those skilled in the art that all or part of the steps of the various methods in the foregoing examples may be implemented by a program instructing relevant hardware. The program may be stored in a computer-readable storage medium, and the storage medium may include: a read-only memory, random access memory, magnetic disk or optical disk, etc.

[0050] Specific examples are used above to illustrate the present invention, but only to help understand the present invention, but not to limit the present invention. For technical personnel in the technical field of the present invention, a number of simple deductions, deformations or substitutions can be made in accordance with the idea of the invention.
Technical problem Problem solving solution The beneficial effect of the invention

Claims

The Claims

[Claim 1] An electronic certificate payment method, including:
Obtain the certificate information used to characterize the cardholder account information and the credit limit;
Generate the payment code by obtaining the certificate information;
Obtain the issuing request including the issuer account provided by the issuing party according to the payment code;
Generate an electronic certificate based on the issuing request obtained.
[Claim 2] According to the method for paying the electronic certificate in Claim 1, wherein generating an electronic certificate according to the obtained issuing request includes:
Determine whether the amount of the receiving amount is less than the opening line of the opening party account;
Electronic certificate is generated if the amount of the receivable is less than the opening amount of the open party account.
[Claim 3] According to the Bank Credit Certificate payment method in Claim 1 or 2, wherein the payment code is QR code or bar code.
[Claim 4] A payment device for an electronic certificate, including:
A certificate information acquisition module is used to acquire certificate information that is used to characterize the cardholder's account information and the collection limit;
A code generating module is used to generate the payment code by using the acquired certificate information;
The issuing request acquisition module is used to obtain the issuing request provided by the issuer, including the issuer account;
The electronic certificate generation module is used to generate electronic certificate based on the obtained issuing request.
[Claim 5] According to the Bank Credit Certificate payment device in Claim 4, wherein the electronic certificate generation module includes:
The determining unit is used to determine whether the credit limit is less than the openable limit of the issuer account.
[Claim 6] According to the electronic certificate payment device in Claim 4 or 5, wherein the payment code is a QR code or a barcode.
[Claim 7] An electronic certificate payment system, including: a collection client, a bank transaction terminal and a card issuing client, its characteristic is that, The collecting client obtains the collecting information used for characterizing the account information and the receiving amount of the collecting party and generates the payment code by using the acquired collecting information;
The issuing client acquires the payment code generated by the receiving client, and delivers the issuing request including the issuer account to the bank transaction terminal according to the obtained payment code;
The bank transaction terminal generates an electronic certificate based on the obtained issuing request.
[Claim 8] According to the electronic certificate payment system in Claim 7, wherein, The bank transaction terminal further determines whether the withdrawal limit is smaller than the openable limit of the issuer account. If the withdrawal limit is smaller than the openable limit of the issuer account, the bank transaction terminal generates electronic certificate.
[Claim 9] According to the Bank Credit Certificate payment system in Claim 7 or 8, wherein the payment code is a QR code or a bar code.