CA3110785A1 - Network transaction information processing method and system - Google Patents
Network transaction information processing method and systemInfo
- Publication number
- CA3110785A1 CA3110785A1 CA3110785A CA3110785A CA3110785A1 CA 3110785 A1 CA3110785 A1 CA 3110785A1 CA 3110785 A CA3110785 A CA 3110785A CA 3110785 A CA3110785 A CA 3110785A CA 3110785 A1 CA3110785 A1 CA 3110785A1
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- 230000010365 information processing Effects 0.000 title claims abstract description 20
- 238000003672 processing method Methods 0.000 title abstract description 12
- 238000000034 method Methods 0.000 claims abstract description 23
- 238000005516 engineering process Methods 0.000 claims description 5
- 238000012545 processing Methods 0.000 abstract description 2
- 230000015572 biosynthetic process Effects 0.000 abstract 1
- 238000010586 diagram Methods 0.000 description 7
- 230000006870 function Effects 0.000 description 5
- 238000012795 verification Methods 0.000 description 4
- 238000004891 communication Methods 0.000 description 2
- 238000011161 development Methods 0.000 description 2
- 230000009191 jumping Effects 0.000 description 2
- 238000013507 mapping Methods 0.000 description 2
- 238000013475 authorization Methods 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 238000004590 computer program Methods 0.000 description 1
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- 238000012986 modification Methods 0.000 description 1
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- 230000003287 optical effect Effects 0.000 description 1
- 238000012546 transfer Methods 0.000 description 1
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
- G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Computer Networks & Wireless Communication (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Abstract The present invention relates to a network transaction information processing method. The method comprises: receiving an identifier of a dynamic information certificate inputted by a first terminal; according to the identifier, displaying a transaction page corresponding to the dynamic information certificate; receiving a transaction command sent by the first terminal via the transaction page; ac-cording to the transaction command, obtaining an electronic credit commitment payment certificate corresponding to the first terminal, and performing a payment according to a pre-set payment condition of the electronic credit commitment payment certificate. The method effectively simplifies a payment process within a network transaction, and improves the security of funds. Also provided are a network transaction in- formation processing system, and a computer storage medium. Date Recue/Date Received 2021-03-01
Description
NETWORK TRANSACTION INFORMATION PROCESSING METHOD AND SYSTEM
[1] [Technical Field]
[1] [Technical Field]
[2] The present invention relates to the field of electronic commerce, and more specifically to an information processing method of online transaction and system.
[3] [Background Technology]
[4] With the development of network technology, online transactions have also been developed rapidly. Traditional online transactions concerning sellers open a network shop through a third party network platform, and deliver product information through the network shop. The buyers click into the network shop to choose goods, and to pay for it through a third party payment platform. In the process of data processing of network transactions, it usually needs to complete the payment through a third party platform. However, the third party payment platform usually has problems such as excess of operational processes, huge financial risk, etc. Hence, how to effectively simplify the payment process in online transactions and improve the security of funds is a technical problem.
[5] [Summary of the Invention]
[6] Based on this, it is necessary to provide a processing method of network transaction information and system capable of effectively simplifying the payment process and improving the security of funds in the network transaction against the above mentioned technical problems.
[7] A processing method of network transaction information includes:
[8] Receive identifier of dynamic information certificate inputted by the first terminal;
[9] According to the transaction page corresponding to the mentioned identifier display and dynamic information certificate
[10] Receive transaction command delivered by the first terminal via transaction page
[11] According to transaction command, obtain payment certificate corresponding to the first terminal, and perform payment according to pre-set payment condition of payment certificate
[12] Among one of the examples, the step of displaying a transaction page corresponding to the mentioned dynamic information certificate according to the mentioned identification includes:
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[13] Retrieving the information data of the dynamic information certificate according to the mentioned identification;
[14] Generating a transaction page corresponding to the mentioned dynamic information certificate using the retrieved information data;
[15] Pop up the transaction page for display.
[16] Among one of the examples, before the step of receiving the identification of the dynamic information certificate corresponding to the dynamic information credential inputted by the first terminal, further includes:
[17] Receiving a request for generating a dynamic information certificate delivered by the second terminal;
[18] Receiving the information data inputted by the second terminal according to the request of generating the dynamic information voucher;
[19] Generating a corresponding dynamic information certificate using the mentioned information data, the mentioned dynamic information certificate including a corresponding identification;
[20] Issuing the dynamic information certificate with the mentioned identification.
[21] Among one of the examples, prior to the step of retrieving the mentioned information data of the mentioned dynamic information voucher according to the mentioned identification, further includes:
[22] Mapping the identification of the mentioned dynamic information certificate inputted by the first terminal into a point in the pre-set array using a hash function;
[23] Judging whether the corresponding value of the mapped point is true;
[24] If yes, it is confirmed that the identification of the mentioned dynamic information certificate inputted by the first terminal is valid and searches the information data of the mentioned dynamic information certificate corresponding to the identification.
[25] Among one of the examples, after the step of obtaining the payment certificate of electronic credit commitment corresponding to the first terminal according to the mentioned transaction instruction and making the payment according to the pre-set settlement condition of the mentioned payment certificate of electronic credit commitment, also includes:
[26] Receiving a query request delivered by the first terminal or the second terminal;
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[27] Displaying a query result corresponding to the mentioned dynamic information certificate according to the query request.
[28] An information processing system of internet transaction, the mentioned system including the first terminal and server, wherein:
[29] The first terminal, using as the identification of the inputted dynamic information voucher;
[30] A server for displaying a transaction page corresponding to the mentioned dynamic information certificate according to the identification;
[31] The said first terminal is further used to deliver a transaction instruction via said transaction page;
[32] According to transaction command, obtain payment certificate corresponding to the first terminal, and perform payment according to pre-set payment condition of payment certificate of electronic credit commitment.
[33] Among one of the examples, the said server is further configured to retrieve information data of the said dynamic information voucher based on the identification;
generating a transaction page corresponding to the dynamic information voucher using the retrieved information data; popping up the said transaction page for displaying.
generating a transaction page corresponding to the dynamic information voucher using the retrieved information data; popping up the said transaction page for displaying.
[34] Among one of the examples, the system further includes a second terminal for sending a request to generate a said dynamic information voucher and inputting corresponding information data after the server receiving the request to generate the said dynamic information voucher; The server is further configured to generate a corresponding dynamic information certificate using the information data, the dynamic information certificate including a corresponding identifier; issuing the dynamic information certificate carrying the said identification.
[35] Among one of the examples, the server is further configured to map the identification of the said dynamic information certificate inputted by the first terminal into a point in the pre-set array using a hash function; judging whether it is true or not a value corresponding to the mapped point; if so, confirming that the identification of the said dynamic information certificate inputted by the first terminal is valid and retrieving the information data of the dynamic information certificate corresponding to the said identification.
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[36] Among one of the examples, the first terminal or the second terminal is further configured to transmit a query request; the said server is further configured to display, based on the query request, a query result corresponding to the said dynamic information certificate.
[37] An information processing system of network transaction including a terminal and a server, the server including a processor and a storage medium storing instructions in which the instructions are executed by the processor, the processor performs the following steps:
[38] Receive identification of dynamic information certificate inputted by the terminal;
[39] According to the transaction page corresponding to the mentioned identifier display and dynamic information certificate
[40] Receive transaction command sent by terminal via transaction page;
[41] According to said transaction command, obtain payment certificate of electronic credit corresponding to terminal, and perform payment according to the pre-set payment condition of payment certificate
[42] One or more computer storage media containing computer-executable instructions for executing a network transaction information processing method, the method comprising the following steps:
[43] Receive identification of dynamic information certificate inputted by the terminal;
[44] According to the transaction page corresponding to the mentioned identifier display and dynamic information certificate
[45] Receive transaction command sent by terminal via transaction page;
[46] Acquire the commitment payment certificate electronic credit of the terminal according to the transaction instruction and pay according to the pre-set settlement condition of the electronic credit commitment payment certificate.
[47] The method comprises: receiving an identification of a dynamic information certificate inputted by a first terminal; according to the identification, displaying a transaction page corresponding to the dynamic information certificate; receiving a transaction command sent by the first terminal via the transaction page; according to the transaction command, obtaining an payment certificate of electronic credit commitment corresponding to the first terminal, and performing a payment according to a pre-set Date Recue/Date Received 2021-03-01 payment condition of the payment certificate of electronic credit commitment.
The transaction page corresponding to the dynamic information certificate can be displayed by receiving the identification of the dynamic information certificate inputted by the first terminal. Since it is not necessary to jump to the third party payment platform after receiving the transaction instruction of the first terminal on the transaction page, the payment certificate of electronic credit commitment corresponding to the first terminal can be paid according to the pre-set settlement condition, hence it can effectively simplify the payment process and effectively improve the security of funds.
The transaction page corresponding to the dynamic information certificate can be displayed by receiving the identification of the dynamic information certificate inputted by the first terminal. Since it is not necessary to jump to the third party payment platform after receiving the transaction instruction of the first terminal on the transaction page, the payment certificate of electronic credit commitment corresponding to the first terminal can be paid according to the pre-set settlement condition, hence it can effectively simplify the payment process and effectively improve the security of funds.
[48] [Brief Description]
[49] In order to specifically illustrate the examples of the invention or the technical solutions in the current technology, the following drawings, which are to be used in the description of the examples or the current technology, will be briefly described, and it will be apparent that the following accompanying drawings, which are merely exemplary of the invention, may be made by those of ordinary skill in the art in view of the accompanying drawings, in which the drawings of other examples may be obtained without departing from the inventive work.
[50] Figure 1 is an application environment diagram of a network transaction information processing method in one example;
[51] Figure 2 is a flowchart of a network transaction information processing method in one example;
[52] Figure 3 is a schematic diagram of a dynamic information certificate in one example;
[53] Figure 4 is a schematic diagram of a structure of a network transaction information processing system in one example;
[54] Figure 5 is a schematic diagram of a structure of a network transaction information processing system in another example;
[55] Figure 6 is a schematic diagram of a server in one example.
[56] [Description of the Preferred Examples]
[57] The method provided by the example of the present invention can be applied to an application environment as shown in Figure 1. The first terminal 102 communicates with the server 104 via the network 108. The second terminal 106 communicates with the server 104 through the network 110. The second terminal 106 transmits a request for Date Recue/Date Received 2021-03-01 generating a dynamic information certificate to the server 104 via the network 110, and the server 104 receives the request and provides a page for generating the dynamic information certificate. The second terminal 106 registers the page and inputs the information data on the page, wherein the information data includes product information, transaction information, and the like, and the server 104 generates the dynamic information certificate carrying the identification using the information data and release the dynamic information certificate with identification. Each dynamic information certificate corresponds to a commodity. The first terminal 102 acquires the identification of the dynamic information certificate of the required product on the page on which the dynamic information certificate is issued via the network 108.
The first terminal 102 enters the acquired identification on the page where the dynamic information certificate is issued, and the server 104 pops up with an asynchronous communication via AJAX (Asynchronous JavaScript And XML, asynchronous JavaScript and XML, a web development technique for creating an interactive web application) Dynamic information certificate corresponding to the trading page. The first terminal 102 transmits a transaction instruction such as "purchase" in the transaction page, the server 104 acquires the pre-processed electronic credit commitment certificate corresponding to the first terminal and pays it according to the pre-set settlement condition of the payment certificate of electronic credit commitment, thus completing the network transaction. Since the transaction instruction sent by the first terminal is received on the transaction page, it is possible to make use of the electronic credit commitment payment certificate corresponding to the first terminal without jumping to the third party payment platform, thereby effectively simplifying payment process in the network transaction and effectively improve the security of funds.
The first terminal 102 enters the acquired identification on the page where the dynamic information certificate is issued, and the server 104 pops up with an asynchronous communication via AJAX (Asynchronous JavaScript And XML, asynchronous JavaScript and XML, a web development technique for creating an interactive web application) Dynamic information certificate corresponding to the trading page. The first terminal 102 transmits a transaction instruction such as "purchase" in the transaction page, the server 104 acquires the pre-processed electronic credit commitment certificate corresponding to the first terminal and pays it according to the pre-set settlement condition of the payment certificate of electronic credit commitment, thus completing the network transaction. Since the transaction instruction sent by the first terminal is received on the transaction page, it is possible to make use of the electronic credit commitment payment certificate corresponding to the first terminal without jumping to the third party payment platform, thereby effectively simplifying payment process in the network transaction and effectively improve the security of funds.
[58] Figure 2 is a flow schematic diagram of a network transaction information processing method provided by an example of the present invention. It should be understood that although the steps in the flowchart of Figure 2 are sequentially displayed as indicated by the arrows, these steps are not necessarily sequentially performed in the order indicated by the arrows. Unless clearly stated herein, the execution of these steps is not strictly restrictive and may be performed in other order. Moreover, at least a portion of the steps in Figure 2 may include a plurality of sub-steps or stages that are not necessarily Date Recue/Date Received 2021-03-01 executed at the same time, but may be executed at different times, and the order of execution is not necessarily in turn, but may be carried out alternately or alternately with at least a portion of the steps or stages of the other steps or other steps.
Taking the method applied to the server as an example, including specifically the following steps:
Taking the method applied to the server as an example, including specifically the following steps:
[59] Step 202, the identification of receiving dynamic information certificate inputted by first terminal
[60] Dynamic information certificate is a collection of information, including commodity information, transaction information, logistics information, order information, etc., and it is generated by the seller (also known as the recipient) in advance to prove that the seller has completed Transaction payment obligation through the server. Each dynamic information certificate corresponds to a commodity. As shown in Figure 3, a schematic diagram of a dynamic information certificate is provided, including the name of goods, commodity prices, merchandise pictures, logo, payment information, delivery and distribution, etc. The buyer can obtain the identification of the dynamic information certificate corresponding to the desired item by displaying the page of the dynamic information certificate by the first terminal, and the identification of the dynamic information certificate of the desired product can be inputted on the page showing the dynamic information certificate. Furthermore, if there is more dynamic information certificates on the page displaying the dynamic information certificate, the buyer can also use the first terminal to enter the keywords and / or search conditions of the desired item to search so that the dynamic information certificate of the desired product can be quickly obtained.
[61] Step 204, according to identification, display transaction page corresponding to dynamic information certificate.
[62] The dynamic information certificate is stored on the server or the cloud database that the server can access. Among one of the examples, the step of displaying the transaction page according to the dynamic information certificate corresponding to the identification includes: retrieving the information data of the dynamic information certificate according to the identification; generating the transaction page corresponding to the dynamic information certificate using the retrieved information data;
popping up transaction page to show. The server searches the information data of the dynamic Date Recue/Date Received 2021-03-01 information certificate in the server or in the cloud database based on the identification, after the buyer inputs the identification of the dynamic information certificate of the desired product using the first terminal and generates transaction page corresponding to dynamic information certificate the based on the retrieved information data.
The server displays the transaction page via AJAX asynchronous communication.
popping up transaction page to show. The server searches the information data of the dynamic Date Recue/Date Received 2021-03-01 information certificate in the server or in the cloud database based on the identification, after the buyer inputs the identification of the dynamic information certificate of the desired product using the first terminal and generates transaction page corresponding to dynamic information certificate the based on the retrieved information data.
The server displays the transaction page via AJAX asynchronous communication.
[63] Step 206, receive transaction command sent by first terminal via transaction page
[64] In the transaction page, the buyer needs to display the details of the goods, including the name of the product, the only specific logo, transaction rules, logistics information, insurance information, etc. The buyer can use the first terminal to enter the necessary information to purchase the necessary goods, such as quantity, shipping address and so on. The buyer uses the first terminal to input the necessary information to purchase the desired item, and then click the transaction button on the trading page to issue a transaction order to the server. Transaction orders can be purchasing, submitting, etc.
[65] Step 208, according to transaction command, obtain the payment certificate of electronic credit commitment corresponding to the first terminal, and perform payment according to pre-set payment condition of payment certificate
[66] The Electronic Credit Commitment Certificate is an electronic certificate for which the buyer has made a settlement in accordance with the default settlement conditions taking the amount of money or credit in the bank account as a guarantee. The payment certificate of electronic credit commitment corresponding to the first terminal is the one that issued by the buyer. The payment certificate of electronic credit commitment may include the buyer's bank account information and the buyer's default receipt address, etc.
The bank, issuing the payment certificate of electronic credit commitment to the buyer and the bank, and the seller applies for the dynamic information certificate, may be the same bank or the different bank. After the buyer uses the first terminal to issue the transaction order, the server calculates the payment amount based on the commodity price and quantity in the dynamic information certificate. The server obtains the payment certificate of electronic credit commitment corresponding to the first terminal to judge whether the amount of payment certificate of electronic credit commitment is greater than the payment amount, if so, to freeze the amount of the payment certificate of electronic credit commitment and the payment amount equal to the payment and to Date Recue/Date Received 2021-03-01 show a frozen the amount of funds. If the amount of funds in the payment certificate of electronic credit commitment is less than the payment amount, the error message is returned to the first terminal. When the default payment condition is established, the server will transfer the frozen funds to the dynamic information certificate in the seller account to pay, then a network transaction completed.
The bank, issuing the payment certificate of electronic credit commitment to the buyer and the bank, and the seller applies for the dynamic information certificate, may be the same bank or the different bank. After the buyer uses the first terminal to issue the transaction order, the server calculates the payment amount based on the commodity price and quantity in the dynamic information certificate. The server obtains the payment certificate of electronic credit commitment corresponding to the first terminal to judge whether the amount of payment certificate of electronic credit commitment is greater than the payment amount, if so, to freeze the amount of the payment certificate of electronic credit commitment and the payment amount equal to the payment and to Date Recue/Date Received 2021-03-01 show a frozen the amount of funds. If the amount of funds in the payment certificate of electronic credit commitment is less than the payment amount, the error message is returned to the first terminal. When the default payment condition is established, the server will transfer the frozen funds to the dynamic information certificate in the seller account to pay, then a network transaction completed.
[67] During the period of the funds being frozen, the buyer can no longer use the frozen funds, but the frozen funds are still under the buyer's name and can continue to generate interest and can be used for the issuance of assets. The default payment conditions include the receipt of the default payment, the receipt of verification and the payment of the other party. Settlement is to pay. Signing the default payment means that after the seller submitting the receipt of data, there is no verification needed for settlement.
Signed data including buyer information, receipt of data, etc. Acceptance verification settlement means that after the seller submitting the receipt of data, the buyer verifies the receipt of data before the payment. Authorization of other parties to pay is the buyer and seller authorized third party to submit the receipt of data, you can pay without verification.
Signed data including buyer information, receipt of data, etc. Acceptance verification settlement means that after the seller submitting the receipt of data, the buyer verifies the receipt of data before the payment. Authorization of other parties to pay is the buyer and seller authorized third party to submit the receipt of data, you can pay without verification.
[68] Further, if the buyer does not want to continue to pay after using the first terminal to send the transaction order, he can return to the transaction page and cancel the transaction. The server no longer continues to pay according to the default payment conditions and thaw the frozen funds. If not satisfied with the received goods, the buyer can use the first terminal and re-entered within the pre-set period of time the dynamic information certificate logo, and clicks on the "return" on the server's pop-up page. The server will continue to freeze the frozen funds, not to pay. When the seller confirms the reception of the return, the server thaws the frozen funds.
[69] In the present example, receiving an identification of a dynamic information certificate inputted by a first terminal; according to the identification, displaying a transaction page corresponding to the dynamic information certificate; receiving a transaction command delivered by the first terminal via the transaction page; according to the transaction command, obtaining an payment certificate of electronic credit commitment corresponding to the first terminal, and performing a payment according to a pre-set payment condition of the payment certificate of electronic credit commitment.
The Date Recue/Date Received 2021-03-01 transaction page corresponding to the dynamic information certificate can be displayed by receiving the identification of the dynamic information certificate inputted by the first terminal. Since it is not necessary to jump to the third party payment platform after receiving the transaction instruction of the first terminal on the transaction page, the payment certificate of electronic credit commitment corresponding to the first terminal can be paid according to the pre-set settlement condition, hence it can effectively simplify the payment process and effectively improve the security of funds.
The Date Recue/Date Received 2021-03-01 transaction page corresponding to the dynamic information certificate can be displayed by receiving the identification of the dynamic information certificate inputted by the first terminal. Since it is not necessary to jump to the third party payment platform after receiving the transaction instruction of the first terminal on the transaction page, the payment certificate of electronic credit commitment corresponding to the first terminal can be paid according to the pre-set settlement condition, hence it can effectively simplify the payment process and effectively improve the security of funds.
[70] In one example, the step of receiving the identification of the dynamic information certificate corresponding to the dynamic information certificate inputted by the first terminal, further includes: receiving a request for generating the dynamic information certificate transmitted by the second terminal; Receiving the information data inputted by the second terminal at the request of the information certificate;
generating the corresponding dynamic information certificate with the information data, including the corresponding identification in the dynamic information certification; and issuing the dynamic information certificate carrying the logo.
generating the corresponding dynamic information certificate with the information data, including the corresponding identification in the dynamic information certification; and issuing the dynamic information certificate carrying the logo.
[71] The seller uses the second terminal to send a request to the server to generate the dynamic information certificate. The server provides the setting page of dynamic information certificate according to the request to generate the dynamic information certificate, and the seller inputs the information data on the setting page of dynamic information certificate by using the second terminal, wherein the information data includes seller information, commodity information, transaction rules, receipt information, physical information, etc. The server generates a corresponding dynamic information certificate based on the information data inputted by the second terminal, and the generated dynamic information certificate includes the information data inputted by the seller using the second terminal and the corresponding identification.
Each dynamic information certificate has a unique identification, which can be the number of the dynamic information certificate, etc. Each dynamic information certificate corresponds to only one or a class of goods. If the seller has multiple or multiple types of goods, multiple dynamic information certificates need to be generated. In another example, the seller may send a request to generate a dynamic information certificate to the server using an application (APP) installed on the second terminal, thereby using the Date Recue/Date Received 2021-03-01 application to submit the information data to the server. The server generates the corresponding dynamic information certificate based on the information data submitted by the application. After generating the dynamic information certificate, the server sends a notification to the second terminal that the dynamic information certificate has been successfully generated.
Each dynamic information certificate has a unique identification, which can be the number of the dynamic information certificate, etc. Each dynamic information certificate corresponds to only one or a class of goods. If the seller has multiple or multiple types of goods, multiple dynamic information certificates need to be generated. In another example, the seller may send a request to generate a dynamic information certificate to the server using an application (APP) installed on the second terminal, thereby using the Date Recue/Date Received 2021-03-01 application to submit the information data to the server. The server generates the corresponding dynamic information certificate based on the information data submitted by the application. After generating the dynamic information certificate, the server sends a notification to the second terminal that the dynamic information certificate has been successfully generated.
[72] Among one of the examples, the server publishes the dynamic information certificates carrying the identification directly via the network after generating the dynamic information certificate. Specifically, the server can post the dynamic information certificate carrying identification on the bank website through the network displaying the page of dynamic information certificate, and the server can also post the dynamic information carrying identification on the bank's website which links to the third-party website such as Taobao, Jingdong, Baidu and so on. In addition to being released by the server, dynamic information certificates can also be forwarded to different network environments For example, can be forwarded to social networks. In another example, the server may, upon the receipt of the dynamic information certificate issuance command delivered by the seller using the second terminal, publish the dynamic information certificate carrying the logo to the page on which the dynamic information certificate is displayed on the bank website, or publish the dynamic information certificate carrying the logo in the bank website linking to multiple third party website sites. As the server can publish the dynamic information certificate to a variety of sites for displaying, thus providing a new kind of shopping model. The buyer can get the required information of the dynamic information certificate from a variety of different websites, and as long as input the identification of the dynamic information certificate on the page displaying dynamic information certificate, you can pop up a dynamic information certificate with the corresponding transaction page, thus saving the buyer's shopping time.
[73] Further, after the network transaction completed, the server can count the completed online transactions were post by which websites. The server can count for all online transactions that have been traded, and can also count for the completed electronic transactions of individual sellers and show the results. Which can not only use big data statistics to assess which sites publish dynamic information certificate better, but also Date Recue/Date Received 2021-03-01 the transaction record statistics can be used for bargaining between banks.
[74] In one example, prior to the step of retrieving the information data of the dynamic information certificate according to the identification, further includes:
mapping the identification of the dynamic information certificate inputted by the first terminal into a predetermined array by using a hash function If it is judged that the identification of the dynamic information certificate inputted by the first terminal is valid and retrieves the information data of the dynamic information certificate corresponding to the identification.
mapping the identification of the dynamic information certificate inputted by the first terminal into a predetermined array by using a hash function If it is judged that the identification of the dynamic information certificate inputted by the first terminal is valid and retrieves the information data of the dynamic information certificate corresponding to the identification.
[75] In the present example, the server verifies whether or not the identification is valid after receiving the identification of the dynamic information certificate inputted by the buyer using the first terminal. Specifically, the server can use the hash function to map the identification of the dynamic information certificate inputted by the first terminal into the point in the pre-set array; judging whether or not the corresponding value of the mapped point is true. If true, it is confirmed that the identification of the dynamic information certificate inputted by the first terminal is valid. Otherwise, it is confirmed that the identification is invalid. Thereby comparing the identification of the received dynamic information certificate with the identification of the pre-stored dynamic information certificate and verifying the presentation of the dynamic information certificate inputted by the first terminal. The server starts to retrieve the information data of the dynamic information certificate corresponding to the identification after confirming that the identification of the dynamic information certificate is valid.
[76] In one example, after receiving the payment certificate of electronic credit commitment of the first terminal according to the transaction instruction and performing the payment according to the pre-set payment condition of the payment certificate of electronic credit commitment, further includes: receiving the first terminal or a second terminal; and displaying the query result corresponding to the dynamic information certificate according to the query request.
[77] In the present example, after the online transaction is completed, the buyer can use the first terminal or the seller to query about the details of the online transaction using the second terminal. The buyer can use the first terminal to input the identification of dynamic information certificate which the transaction has been completed to query the Date Recue/Date Received 2021-03-01 transaction information, such as logistics information, refund information and so on.
The buyer can also use the first terminal to scan the two-dimensional code of the dynamic information certificate that the transaction has been completed to query the transaction information. The seller can use the second terminal to input the identification of dynamic information certificate of the completed transaction on the page where dynamic information certificate displayed to query the transaction information, such as logistics information, collection information and so on. The seller may also use the application program installed on the second terminal to query the transaction information by scanning the two-dimensional code of the dynamic information certificate of the completed transaction or by entering the identification of the dynamic information certificate of the completed transaction. It can facilitate the buyers and sellers to track the details of online transactions.
The buyer can also use the first terminal to scan the two-dimensional code of the dynamic information certificate that the transaction has been completed to query the transaction information. The seller can use the second terminal to input the identification of dynamic information certificate of the completed transaction on the page where dynamic information certificate displayed to query the transaction information, such as logistics information, collection information and so on. The seller may also use the application program installed on the second terminal to query the transaction information by scanning the two-dimensional code of the dynamic information certificate of the completed transaction or by entering the identification of the dynamic information certificate of the completed transaction. It can facilitate the buyers and sellers to track the details of online transactions.
[78] In one example, as shown in Figure 4, there provided a network transaction information processing system including a first terminal 402 and a server 404, wherein:
[79] The first terminal 402, using as the identification of the inputted dynamic information certificate;
[80] The server 404 for displaying a transaction page corresponding to the dynamic information certificate according to the identification; Among one of the examples, the server 404 is further configured to retrieve the information data of the dynamic information certificate based on the identification; generating the transaction page corresponding to the dynamic information certificate using the retrieved information data; and displaying the pop-up transaction page.
[81] The first terminal can also be used to receive transaction command sent by transaction page
[82] The server 404 can also be used to obtain payment certificate of electronic credit corresponding to first terminal according to transaction command, and perform payment according to pre-set payment condition of payment certificate of electronic credit.
[83] In the present example, the server receives the identification of the dynamic information certificate inputted by the first terminal, and displays the transaction page corresponding to the dynamic information certificate. Since the first terminal transmits the transaction instruction on the transaction page, it is possible to pay the payment certificate of Date Recue/Date Received 2021-03-01 electronic credit commitment corresponding to the first terminal without jumping to the third party payment platform, and to pay the transaction in accordance with the pre-set payment condition, thus effectively simplifying the payment process and improving the security of the funds.
[84] In one example, as shown in Figure 5, the system further includes a second terminal 406 for sending a request to generate a dynamic information certificate and, upon receipt of a request for generating a dynamic information certificate by the server 404, inputting corresponding information data ; The server 404 is also used to generate the corresponding dynamic information certificate using the information data, and the correspondence information is included in the dynamic information certificate;
and the dynamic information certificate carrying the logo is issued.
and the dynamic information certificate carrying the logo is issued.
[85] In the present example, the server generates the corresponding dynamic information certificate using the information data inputted by the second terminal, and then displays the dynamic information certificate carrying the identification to a plurality of different websites, thereby providing a new type of shopping mode. The buyer can get the dynamic information certificates of required information on a variety of different websites, and as long as enter the identification of dynamic information certificate on the page of the identification of dynamic information, you can pop up a dynamic information certificate with the corresponding transaction page, which is valid for saving shopping time.
[86] Further, after the network transaction completed, the server 404 can count the completed online transactions were post by which websites. The server 404 can count for all online transactions that have been traded, and can also count for the completed electronic transactions of individual sellers and show the results, which can use big data statistics to assess which sites can publish dynamic information certificates better.
[87] In one of the example, the server is further configured to map the identification of the dynamic information certificate inputted by the first terminal into a point in the pre-set array using a hash function; judging whether it is true or not a value corresponding to the mapped point; if so, confirming that the identification of the dynamic information certificate inputted by the first terminal is valid and retrieving the information data of the dynamic information certificate corresponding to the identification.
Date Recue/Date Received 2021-03-01
Date Recue/Date Received 2021-03-01
[88] In the present example, the server 404 starts to retrieve the information data of the dynamic information certificate corresponding to the identification after confirming that the identification of the dynamic information certificate is valid.
[89] In one example, the first terminal 402 or the second terminal 406 is also used to send a query request; the server 404 is also used to display the query results corresponding to the dynamic information certificates according to the query request.
[90] In the present example, after the online transaction is completed, the buyer can use the first terminal or the seller to query about the details of the online transaction using the second terminal. It can facilitate the buyers and sellers to track the details of online transactions.
[91] In one example, there provides an information processing system of online transaction including a terminal and a server, the server including a processor and a storage medium in which instructions are stored, and when the instructions are executed by the processor, the processor performs the following steps:
[92] Receive identification of dynamic information certificate inputted by the terminal;
[93] According to identification, display transaction page corresponding to dynamic information certificate.
[94] Receive transaction command sent by terminal via transaction page
[95] According to transaction command, obtain payment certificate of electronic credit corresponding to terminal, and perform payment according to the pre-set payment condition of payment certificate.
[96] As shown in Figure 6, is the internal structure of a server in one of the examples including a processor, a storage medium, a memory, and a network interface connected via a system bus. Wherein the storage medium of the server stores an operating system, a database, and a network transaction information processing device for implementing an online transaction information processing method applicable to a server.
The processor of the server is used to provide calculation and control capabilities to support the operation of the entire server. The memory of the server provides an environment for the operation of the network transaction information processing device in the storage medium. The network interface of the server is used for communicating with an external terminal via a network connection, such as receiving an identification of a dynamic Date Recue/Date Received 2021-03-01 information certificate delivered by terminal, and displaying a transaction page corresponding to a dynamic information certificate. The server can be implemented through a standalone server or multiple servers, such as servers that can include online transaction information processing servers and storage servers, etc.
The processor of the server is used to provide calculation and control capabilities to support the operation of the entire server. The memory of the server provides an environment for the operation of the network transaction information processing device in the storage medium. The network interface of the server is used for communicating with an external terminal via a network connection, such as receiving an identification of a dynamic Date Recue/Date Received 2021-03-01 information certificate delivered by terminal, and displaying a transaction page corresponding to a dynamic information certificate. The server can be implemented through a standalone server or multiple servers, such as servers that can include online transaction information processing servers and storage servers, etc.
[97] Further, a computer storage medium is also provided.
[98] One or more computer storage medium containing computer-executable instructions for executing a network transaction information processing method, which includes the following steps:
[99] Receive identification of dynamic information certificate inputted by the terminal;
[100] According to identification, display transaction page corresponding to dynamic information certificate;
[101] Receive transaction command delivered by terminal via transaction page
[102] Obtaining the commitment payment certificate electronic credit of the terminal according to the transaction instruction and pay according to the pre-set settlement condition of the payment certificate of electronic credit commitment.
[103] The ordinary technicists in the field that can understand and implement all or part of the processes in the above mentioned method of the examples which can be accomplished by means of a computer program that can be stored in a computer-readable storage medium. The program may, when executed, include flows of all examples as described above. Among them, said storage medium can be a magnetic disk, an optical disk, a read-only memory (ROM) or a random access memory (RAM), etc.
[104] The technical features of the examples described above can be arbitrarily combined. In order to simplify the description, there doesn't describe all the possible combinations of the various technical features in the above examples, however, as long as the combination of these technical features, which does not exist a contradiction, should be considered the scope of this manual.
[105] The above-described examples show only a few methods of execution of the present invention, and its descriptions are comparatively specific and detailed, however, it can not to be construed as a limitation of the scope of the invention patent. It should be noted that various modifications and improvements can be made by those skilled in the field without departing from the inventive concept, which belong to the protection scope Date Recue/Date Received 2021-03-01 of the present invention. Accordingly, the protection scope of patent of the present invention should be measured by the appended claims.
Date Recue/Date Received 2021-03-01
Date Recue/Date Received 2021-03-01
Claims (29)
1. A network transaction information processing system for an ecommerce transaction, the system comprising:
a first terminal, configured to:
input an identifier of a dynamic information certificate for a purchasing commodity/service process of the ecommerce transaction, wherein each dynamic information certificate corresponds one piece of product; and deliver a transaction command via a transaction webpage of the commodity/service to a server when a purchasing decision is made;
a server, configured to:
display the transaction webpage of the commodity/service for the first terminal for the purchasing commodity/service process of the ecommerce transaction, when receiving the identifier of the dynamic information certificate from the first terminal, wherein the transaction webpage of the commodity/service is corresponding to the dynamic information certificate according to the identifier; and obtain an electronic payment certificate corresponding to the first terminal when receiving the transaction command from the first terminal, wherein the electronic payment certificate includes a pre-set payment condition.
a first terminal, configured to:
input an identifier of a dynamic information certificate for a purchasing commodity/service process of the ecommerce transaction, wherein each dynamic information certificate corresponds one piece of product; and deliver a transaction command via a transaction webpage of the commodity/service to a server when a purchasing decision is made;
a server, configured to:
display the transaction webpage of the commodity/service for the first terminal for the purchasing commodity/service process of the ecommerce transaction, when receiving the identifier of the dynamic information certificate from the first terminal, wherein the transaction webpage of the commodity/service is corresponding to the dynamic information certificate according to the identifier; and obtain an electronic payment certificate corresponding to the first terminal when receiving the transaction command from the first terminal, wherein the electronic payment certificate includes a pre-set payment condition.
2. The system of claim 1, wherein the server is further configured to:
retrieve corresponding data in the dynamic information certificate according to the identifier for the purchasing commodity/service process of the ecommerce transaction;
Date Recue/Date Received 2021-03-01 generate the transaction webpage of the commodity/service by the retrieved data in the dynamic information certificate according to the identifier; and pop-up the transaction webpage of the commodity/service via an Asynchronous JavaScript and XIVIL technology for displaying to the first terminal.
retrieve corresponding data in the dynamic information certificate according to the identifier for the purchasing commodity/service process of the ecommerce transaction;
Date Recue/Date Received 2021-03-01 generate the transaction webpage of the commodity/service by the retrieved data in the dynamic information certificate according to the identifier; and pop-up the transaction webpage of the commodity/service via an Asynchronous JavaScript and XIVIL technology for displaying to the first terminal.
3. The system of claim 1 further includes:
a second terminal configured to deliver a request for generating the dynamic information certificate and input the corresponding data to the server for the purchasing commodity/service process of the ecommerce transaction; and the server configured to generate and issue the corresponding dynamic information certificate using the corresponding data, wherein the dynamic information certificate includes the corresponding identifier.
a second terminal configured to deliver a request for generating the dynamic information certificate and input the corresponding data to the server for the purchasing commodity/service process of the ecommerce transaction; and the server configured to generate and issue the corresponding dynamic information certificate using the corresponding data, wherein the dynamic information certificate includes the corresponding identifier.
4. The system of any one of claims 1 to 3, wherein the server is further configured to map the identifier of the dynamic information certificate into a point in a pre-set array using a hash function to determine whether the corresponding value of the mapped point is true.
5. The system of claim 4, wherein if the corresponding value of the mapped point is true, which means that the identifier of the dynamic information certificate inputted by the first terminal is valid.
6. The system of claim 5, wherein the valid identifier of the dynamic information certification is a prerequisite for retrieving corresponding data.
7. The system of any one of claims 1 to 6, wherein the first terminal is further configured to deliver a query request of the dynamic information certificate.
Date Recue/Date Received 2021-03-01
Date Recue/Date Received 2021-03-01
8. The system of any one of claims 1 to 6, wherein the second terminal is further configured to deliver a query request of the dynamic information certificate.
9. The system of any one of claims 1 to 8, wherein the server is further configured to display a query result corresponding to the dynamic information certificate according to the query request from the first terminal or the second terminal.
10. The system of any one of claims 1 to 9, wherein the first terminal is communicatively connected to the server via a network.
11. The system of any one of claims 1 to 10, wherein the second terminal is communicatively connected to the server via the network.
12. The system of any one of claims 1 to 11, wherein the corresponding data in the dynamic information certificate includes product information.
13. The system of any one of claims 1 to 12, wherein the corresponding data in the dynamic information certificate includes trading information.
14. The system of any one of claims 1 to 13, wherein the dynamic information certificate is stored on the server.
15. The system of any one of claims 1 to 13, wherein the dynamic information certificate is stored on a cloud database accessible to the server.
16. The system of any one of claims 1 to 15, wherein the first terminal is configured a buyer.
17. The system of any one of claims 1 to 16, wherein the second terminal is configured a seller.
Date Recue/Date Received 2021-03-01
Date Recue/Date Received 2021-03-01
18. The system of any one of claims 1 to 17, wherein the transaction webpage includes a product name.
19. The system of any one of claims 1 to 18, wherein the transaction webpage includes a product price.
20. The system of any one of claims 1 to 19, wherein the transaction webpage includes a product image.
21. The system of any one of claims 1 to 20, wherein the transaction webpage includes the identifier.
22. The system of any one of claims 1 to 21, wherein the transaction webpage includes collecting payment information.
23. The system of any one of claims 1 to 22, wherein the transaction webpage includes delivery infomiation.
24. The system of any one of claims 1 to 23, wherein the electronic payment certificate is issued by a bank according to funds balance in the buyer's bank account as a credit guarantee.
25. The system of any one of claims 1 to 23, wherein the electronic payment certificate is issued by a bank according to line of credit in the buyer's bank account as the credit guarantee.
26. The system of any one of claims 1 to 25, wherein the electronic payment certificate includes bank account information of the buyer.
Date Recue/Date Received 2021-03-01
Date Recue/Date Received 2021-03-01
27. The system of any one of claims 1 to 26, wherein the electronic payment certificate includes the buyer's default address for receiving product.
28. The system of any one of claims 1 to 27, wherein the electronic payment certificate and the dynamic information certificate are issued by the same bank.
29. The system of any one of claims 1 to 27, wherein the electronic payment certificate and the dynamic information certificate are issued by different banks.
Date Recue/Date Received 2021-03-01
Date Recue/Date Received 2021-03-01
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| PCT/CN2015/077965 WO2016172919A1 (en) | 2015-04-30 | 2015-04-30 | Network transaction information processing method and system |
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| CA3110785A1 true CA3110785A1 (en) | 2016-11-03 |
| CA3110785C CA3110785C (en) | 2023-06-27 |
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| CN111679967B (en) * | 2020-04-27 | 2023-04-21 | 贝壳技术有限公司 | Method and device for displaying transaction list for testing |
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| CN103106576A (en) * | 2011-11-15 | 2013-05-15 | 腾讯科技（深圳）有限公司 | Payment method and payment system based on client side and payment client side |
| CN104331217B (en) * | 2014-10-24 | 2018-12-14 | 中国建设银行股份有限公司 | A kind of method for showing interface and device |
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| CA2986822A1 (en) | 2016-11-03 |
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| CA3110785C (en) | 2023-06-27 |
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