CN104854613A - Payment system based on electronic credential - Google Patents
Payment system based on electronic credential Download PDFInfo
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- CN104854613A CN104854613A CN201480003227.XA CN201480003227A CN104854613A CN 104854613 A CN104854613 A CN 104854613A CN 201480003227 A CN201480003227 A CN 201480003227A CN 104854613 A CN104854613 A CN 104854613A
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- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- G06—COMPUTING; CALCULATING OR COUNTING
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G—PHYSICS
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- 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
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- 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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- 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
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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- G06Q30/00—Commerce
- G06Q30/018—Certifying business or products
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- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/04—Manufacturing
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Abstract
The invention relates to Internet field and discloses a payment system based on a electronic credential. The payment system comprises a manufacturer, a payment system, a client and a logistic terminal; the manufacturer applies for ratification of the electronic credential to the payment system; the payment system issues the electronic credential; the client extracts the electronic credential and requests for payment amount to the payment system; the payment system converts to request state to the payment amount, and notifies the logistic terminal to transfer goods; the logistic terminal leads the goods to move to a destination; the payment system allocates the payment amount in request state to according account after receiving the goods receipt information, thereby,the limit of the specific marketing field is avoided, the transaction mode depending on the third party and electronic commerce platform is changed; the article can automatically realizes intelligentized transaction and high-efficient circulation on Internet depending on its self attributes; transaction mode centered on the goods comes into being without the limit of specific sales position and salers.
Description
Technical field
The present invention relates to internet arena, particularly relate to a kind of payment system based on electronic certificate.
Background technology
Along with the breakthrough of network, communication and infotech, ecommerce is arisen at the historic moment and is developed rapidly, day by day changes people's life, promotes the evolution of social business appearance.But real economy is still free on outside electric business's threshold on the whole at present, and article are placed in solid shop mainly with the mode of material object, or is placed on network shop in the mode of picture, define the sales mode at " one's own department or unit, shop ".The prestige of purchase, quality, the true and false are all main discrimination foundation with the factor such as scale, reputation of the solid shop sold or network shop, and almost do not associate with production firm with the quality of article itself.Such as, in actual life, people's brand-name goods that it's hard to believe that sells on stall with goods spread out on the ground for sale are genuine pieces; all buy brand-name goods in brand shop bar none; because what believe sale monopoly store merchandising must be just genuine piece, and people can buy usually in order to buy genuine certified products in brand shop.Because what buyer more inclined to believe in brand shop's sale is certified products, namely traditional purchase and sale mainly rely on the article trading that " one's own department or unit, shop " is carried out in specific merchandising location.Practical situation is brand-name integration shop, the imitative counterfeit of even large-scale electric business's gondola sales height is often disclosed and see newpapers and periodicals and other media.
Internet business is the back-to-back mode remote online transaction of seller and buyer, Given this, in network electronic commerce, be necessary to design one can combine the whole real information of article under transaction item, complete trading rules and service transacting interconnected system or device, create a kind of environment giving the intelligent autonomous transaction of article, existing trade mode is made to depart from the trade mode of " one's own department or unit, shop " realization " thing one's own department or unit ", namely be who sells inessential, items for merchandising be who produce, whom provides just important by, to ensure that consumer can buy the certified products provided by genuine on network, to stop net purchase counterfeit behavior, meanwhile, the producer of a large amount of real economy can by adhering to autonomous intelligence transaction e voucher at article, realize the direct marketing in the whole network territory.
Summary of the invention
The technical problem to be solved in the present invention is, be subject to the restriction of specific merchandising location for item circulation in above-mentioned prior art, Transaction Information is integrated and recording mechanism imperfection, logistics sending and receiving goods authentication mechanism is unsound, cannot realize the problem of the intelligent autonomous transaction of article trading completely, provides a kind of payment system based on electronic certificate.
The technical solution adopted for the present invention to solve the technical problems is: construct a kind of payment system based on electronic certificate, the payment system that this system comprises manufacturer terminal, communication is connected to described manufacturer terminal, communication are connected to the physical distribution terminal that the client terminal of described payment system and communication are connected to described payment system, wherein: described manufacturer terminal, for importing the goods attribute at least comprising and there is title and the amount of money and the receipts settlement information with at least one account, to generate electronic certificate template; Described payment system, can the electronic certificate of written information for storing; After the solicited message receiving described client terminal, transfer the asked amount of money to solicited status after also sending out electronic certificate described for core; Also for after the information of receiving receiving described client terminal, by account corresponding with described receipts settlement information for the described amount of money Zhi Fuzhi that is in solicited status; Described client terminal, for obtaining described electronic certificate by internet, the destination of logistics distribution is write in described electronic certificate, select the logistics support information preset to determine logistics distribution information, and send described request information to ask the amount of money that described in Zhi Fuyu, goods attribute is corresponding according to described receipts settlement information to described receipt and payment system; Described physical distribution terminal, after described receipt and payment system receives described request payment, extracts the article corresponding with described goods attribute, and guides described article to move to described destination, and information of receiving described in sending is to described payment system.
In the systems described in the present invention, described payment system comprises memory module, core sends out module, payment module, gathering module and release module, wherein: described memory module, can the electronic certificate of written information for storing, wherein, described electronic certificate at least comprises the goods attribute with title and the amount of money and the receipts settlement information with at least one account; Described core sends out module, sends out electronic certificate described for core; Described payment module, for receive described client terminal solicited message after, solicited status is transferred to the asked amount of money; Wherein, described request state be freeze the described amount of money state or the described amount of money is proceeded to the state in default secured account; Described gathering module, for receive described physical distribution terminal information of receiving after, the described amount of money being in solicited status is transferred in the account corresponding with described receipts settlement information; Described release module, for issuing described electronic certificate by internet.
In the systems described in the present invention, described payment system comprises delivery of cargo code granting module and signs for code granting module; Described delivery of cargo code provides module, for sending a delivery of cargo code to described physical distribution terminal; Described code of signing for provides module, signs for code for sending one to described client terminal.
In the systems described in the present invention, described client terminal also for after described goods movement to described destination, signs for code described in providing to described physical distribution terminal.
In the systems described in the present invention, described physical distribution terminal comprises delivery of cargo module, shipping module and signs for module, wherein: described delivery of cargo module, for receiving described delivery of cargo code, extracts the goods corresponding with described goods attribute according to described delivery of cargo code; Described shipping module, for guiding described goods movement to described destination; Describedly sign for module, for sign for described in foundation code send described in receive information to described payment system.
In the systems described in the present invention, described payment system comprises countdown module; Described countdown module, for writing count down information to described electronic certificate; Wherein, described count down information comprises the payment countdown and/or delivery countdown and/or arrival countdown that generate according to deal engagement.
In the systems described in the present invention, described payment system comprises insurance module; Described insurance module, for writing electronic insurance contract information to described electronic certificate.
In the systems described in the present invention, described payment system comprises public rights module; Described public rights module, for described electronic certificate write authentication information and/or article proprietary information and/or authentication information and/or transaction status information and/or register information.
The invention discloses a kind of payment system based on electronic certificate, there is following beneficial effect: by generating corresponding with article and being adapted to the electronic certificate that circulates internet, the restriction of specific merchandising location can be broken away from, thus change original business reputation of relying on third party's electricity business's platform or network shop, referring to picture, there is the pattern centered by electric business of transaction, thus make article can adhere to himself attribute, as manufacturer, the information such as raw material, can be autonomous on the internet, efficient circulation, realize intelligent autonomous transaction, form the trade mode centered by article.
Accompanying drawing explanation
Fig. 1 is the structured flowchart of a kind of payment system based on electronic certificate provided by the invention;
Fig. 2 is the method flow diagram of a kind of payment system based on electronic certificate provided by the invention;
Fig. 3 is generation provided by the invention and issues the process flow diagram of electronic certificate;
Fig. 4 is the process flow diagram that client terminal provided by the invention buys electronic certificate;
Fig. 5 is the process flow diagram of dispensing goods provided by the invention;
Fig. 6 is the process flow diagram that fund solution provided by the invention is paid.
Embodiment
In order to there be understanding clearly to technical characteristic of the present invention, object and effect, now contrast accompanying drawing and describe the specific embodiment of the present invention in detail.
The invention provides a kind of payment system 100 based on electronic certificate, its object is to realize the full intellectualizing system of " payment system guarantee, according to singly examining goods, collection on delivery ".Wherein, the utilization of this electronic certificate can make the transaction of article or service reach " purchasing and selling direct-connected ", is namely directly delivered by producer, is automatically collected money, and ensures and sells certified products, thus make safety and reliability of concluding the business from the source of article; By adding public rights module so that the dynamic circulation of supervision department's supervision article, guarantee article quality quality; Guide physical objects to move by electronic certificate, solution is paid evidence-based, ensure that the reasonable rights and interests buying both sides, realize " collect on delivery and collect on delivery " in electric business's commercial affairs; Adopt electronic certificate also can by the article do not produced or the article in manufacturing, and service, issue in advance, improve money collecting rate, accelerate the turnover of fund; Change original business reputation of relying on third party's electricity business's platform (or network shop) by electronic certificate simultaneously, referring to picture, there is the trade mode centered by electric business of transaction, article independently, are efficiently circulated on the internet, realize intelligent autonomous transaction, form the trade mode centered by article; Can the article estimating to produce or the article produced or existing service be represented in ecommerce with the electronic certificate form of dynamically recording item circulation information by this system house, enterprise is made to exchange an instant cash flow income for future cash flow income, substantially improve a difficult problem for turnover of funds illiquidity, meet the financial requirement of enterprise, accelerate the turnover of funds of enterprise, promote socio-economic development.
The structured flowchart of a kind of payment system 100 based on electronic certificate that Fig. 1 provides for first embodiment of the invention, as shown in Figure 1, a kind of payment system 100 based on electronic certificate, the payment system 1 that this system comprises manufacturer terminal 2, communication is connected to described manufacturer terminal 2, communication are connected to the physical distribution terminal 3 that the client terminal 4 of described payment system 1 and communication are connected to described payment system 1.Communication is connected with the function of synchrodata, can according to actual needs, optionally synchrodata.
Wherein: described manufacturer terminal 2, for importing the goods attribute at least comprising and there is title and the amount of money and the receipts settlement information with at least one account to generate electronic certificate;
Described payment system 1, can the electronic certificate of written information for storing; After the solicited message receiving described client terminal 3, transfer the asked amount of money to solicited status after also sending out electronic certificate described for core; Also for after the information of receiving receiving described client terminal 3, by account corresponding with described receipts settlement information for the described amount of money Zhi Fuzhi that is in solicited status; Wherein, described request state can be understood as the state of the blocked deposits amount of money or credit line or amount deposited or credit line is proceeded to the state in default secured account, namely, credit line (credit card) in temporary freeze buyer bank card or amount deposited (debit card), or credit line and amount deposited are proceeded in default secured account, can be understood as is a kind of acceptance and guarantee.
The sub-voucher of nuclear power generation at this place refers to relevant information (the such as seller's accounts information checked and approved in electronic certificate, other fund information etc.) after, the electronic signature of write payment system is in electronic certificate, provide this electronic certificate again, not only reach the object that payment terminal correctly identifies this electronic certificate, the identity also solving producer technically veritifies problem.
Described client terminal 4, for obtaining described electronic certificate by internet, the destination of logistics distribution is write in described electronic certificate, select the logistics support information preset to determine logistics distribution information, and send described request information to ask the amount of money that described in Zhi Fuyu, goods attribute is corresponding according to described receipts settlement information to described receipt and payment system 1;
Described physical distribution terminal 3, after described receipt and payment system receives described request payment, extracts the article corresponding with described goods attribute, and guides described article to move to described destination, and information of receiving described in sending is to described payment system 1.
For this system, the method performing this system is the method flow diagram of a kind of payment system based on electronic certificate provided by the invention see Fig. 2, Fig. 2, is mainly divided into following four steps:
S1, provide and issue electronic certificate: manufacturer terminal 2 provides the electronic certificate template of configuration, and payment system 1 issues described electronic certificate by internet after sending out its core.Wherein, manufacturer, dealer or nature person can be to provide the main body generating electronic certificate resource.Particularly, " core is sent out " at this place refers to the electronic signature writing collecting account information and write payment system in described electronic certificate.
S2, purchase electronic certificate: client terminal 4 obtains described electronic certificate, and sends described request information to ask the amount of money that described in Zhi Fuyu, goods attribute is corresponding to described payment system 1; Or send described request information to ask the amount of money that described in Zhi Fuyu, goods attribute is corresponding by manufacturer terminal 2 to described payment system 1; Payment system 1 transfers solicited status to the asked amount of money, this status information is synchronized to client terminal 4 and/or manufacturer terminal 2 simultaneously, and notify that physical distribution terminal 3 prepares the address going to owner of goods to provide, also can be the goods location that described electronic certificate is recorded, extract the goods corresponding with described goods attribute.
S3, dispensing goods: physical distribution terminal 3 guides described goods movement to destination.
S4, solution pay a fund: after payment system 1 receives the information of receiving of described physical distribution terminal 3, transfer the described amount of money being in solicited status in the account corresponding with described receipts settlement information.
Wherein, for step S1, described manufacturer terminal 2, can the electronic certificate of written information for storing, and wherein, described electronic certificate at least comprises the goods attribute with title and the amount of money and the receipts settlement information with at least one account; Described payment system 1, writes selectable logistics support information after sending out electronic certificate described, and be sent to described manufacturer terminal 2 for core; It is in fact the electronic certificate that structure one record is all concluded the business that payment system 1 generates electronic certificate.A preferred flow of step S1 is generation provided by the invention see Fig. 3, Fig. 3 and issues the process flow diagram of electronic certificate, comprises the following steps:
S101, goods provider submit the request generating electronic certificate to manufacturer terminal 2.
Preferably, described goods provider first can complete the configuration of article on the electric terminal of this locality, and then submits the request generating electronic certificate to manufacturer terminal 2.Like this, the electronic certificate source file of generation can directly be stored on local electric terminal, and need not be stored in manufacturer terminal 2 or payment system 1, only need be given to manufacturer terminal 2 or payment system 1 to a connection signal.
Also can direct line manufacturer terminal 2, complete the configuration of article online, and then submit the request generating electronic certificate to manufacturer terminal 2 to.In addition, when electronic certificate generates online, electronic certificate can directly be deposited to payment system 1, when electronic certificate off-line generates, also can realize article configuring request generate electronic certificate, this electronic certificate can offline storage in local electric terminal.
S102, manufacturer terminal 2 receive this request and return goods provider one and configure the page.
S103, goods provider arrange the various label informations of electronic certificate in this configuration page, namely arrange the information of honouring an agreement of electronic certificate, described electronic certificate at least comprises the goods attribute with title and the amount of money and the receipts settlement information with at least one account.
S104, manufacturer terminal 2 generate the electronic certificate template being configured with Item Information.
S105, goods provider configure the He Fa mechanism of payment system 1, namely in payment system 1, select a Third-party payment company.Payment system 1 also can be that other can support the platform of Capital Flow in internet.Meanwhile, the core that manufacturer terminal 2 sends goods provider to payment system 1 sends out request.This step can be sent out module and come by arranging core in payment system 1, and core is sent out after module sends out electronic certificate described for core and write selectable logistics support information, generates electronic certificate, and described electronic certificate is sent to described manufacturer terminal 2.
Described core sends out module, for checking and approving the collecting account information of write electronic certificate, and core is sent out described electronic certificate be back to described payment system 1.
S106, payment system 1 receive this core send out request send out to complete core, return a PID to manufacturer terminal 2.
" PID " that this place relates to is port ID, namely " port numbers ".Usually, PID adds port numbers by 8 bit port priority and forms, and port numbers accounts for low level, default port priority 1 28.
Certainly, the request also core can being submitted to send out electronic certificate described directly to payment system 1 by goods provider, after payment system 1 confirms goods provider identity information, returns a PID to goods provider.Can expect, the request that goods provider also can submit to core to send out electronic certificate described to payment system 1 by manufacturer terminal 2, thus obtain a PID, be also feasible.
The state that S107, manufacturer terminal 2 upgrade electronic certificate is that core has been sent out, and synchronizing information is to goods provider.
S108, goods provider select the published method of electronic certificate, are generally the channel distributing electronic voucher selected by presetting.This channel can be a link, also can be an advertisement, can also to be embedded among APP etc.This step can be added the described issue port being electrically connected at described goods provider and be realized, and this issue port is used for being connected to internet to issue described electronic certificate.
S109, payment system 1 are according to published method distributing electronic voucher.
S110, goods provider or the terminal of other Internet users all by being connected to internet check the electronic certificate of this issue.
For step S2, described client terminal 4 in this system, for obtaining described electronic certificate by internet browsing, the destination of logistics distribution is write in described electronic certificate, select described logistics support information to determine logistics distribution information, and send described request information to ask the amount of money that described in Zhi Fuyu, goods attribute is corresponding according to described receipts settlement information to described payment system 1; Client terminal 4 can realize its function by the software such as plug-in unit, APP form.Described payment system 1 transfers solicited status to the asked amount of money after receiving the solicited message of described client terminal 4, and notifies that physical distribution terminal 3 goes to goods location to extract the goods corresponding with described goods attribute.
The function of client terminal 4 has been purchases of electronic certificate, provide with funds for follow-up delivery step and freeze or trustship voucher, the preferred flow process of concrete purchase electronic certificate is the process flow diagram that client terminal 4 provided by the invention buys electronic certificate see Fig. 4, Fig. 4, and this flow process comprises the steps:
S201, client terminal 4 select Send only Account, and internet also can be selected to support the platform of Capital Flow, also can be same terminal with payment system 1, thus send the request of payment.Usually, log in payment account also to need to key in corresponding account and password can login payment account.
S202, payment system 1 receive this selection instruction, verify the user identity of this client terminal 4, are back to described client terminal 4.
S203, client terminal 4 submit subscriber identity information, confirm to pay the bill to this electronic certificate.
After S204, payment system 1 solicited message according to the described client terminal 4 of reception, to the amount of money described in selected account request, and solicited status is transferred to the asked amount of money, notice physical distribution terminal 3 extracts the goods corresponding with described goods attribute, and this partial amount is provided by the user of client terminal 4.This step can realize with payment module by arranging in payment system 1, particularly, described payment module, for receive described client terminal 4 solicited message after, solicited status is transferred to the asked amount of money, and notifies that physical distribution terminal 3 extracts the goods corresponding with described goods attribute.
S205, payment system 1 this client terminal 4 synchronous notifies the information of honouring an agreement of physical distribution terminal 3, and returns receipt of honouring an agreement.
S206, client terminal 4 upgrade the state of honouring an agreement of electronic certificate according to receipt of honouring an agreement.
For step S3, this system comprises physical distribution terminal 3, described physical distribution terminal 3, and for guiding described goods movement to destination, and information of receiving described in sending is to described payment system 1.Physical distribution terminal 3 is arranged at logistics company inside, thus this electronic certificate is circulated completely, and this physical distribution terminal 3 can be realized by the software such as APP, plug-in unit form equally.And guide described goods movement to described destination, can be that to be visited by goods delivery also can be the dispensing of other forms.
Physical distribution terminal 3 guarantees that goods is paid in time under monitoring form, and the circulation track of the circulation track of article and fund effectively can be combined, and the rights and interests of both parties all can be effectively protected.
This physical distribution terminal 3 has been in fact delivery flow process, and this flow process is the process flow diagram of dispensing goods provided by the invention see Fig. 5, Fig. 5, preferably includes following steps:
S301, physical distribution terminal 3 provide and deliver goods to submit information of honouring an agreement to, and the information of honouring an agreement of synchronized update payment system 1.
S302, payment system 1 return the notice receipt of having honoured an agreement simultaneously after receiving the information of honouring an agreement of renewal.In this step, by logistics company automatically physical state synchronous with payment system 1, such as shipped, sign for.Triggerable electronic credentials module send to receipt and payment system 2 honour an agreement, point out separate pay two notices.
S303, electronic certificate upgrade information of honouring an agreement in physical distribution terminal 3.
For step S4, this system comprises described payment system 1, wherein payment system 1 for receive described physical distribution terminal 3 information of receiving after, the described amount of money being in solicited status is transferred in the account corresponding with described receipts settlement information.Payment system 1 is herein mainly Third-party payment company.It will be appreciated, of course, that the described amount of money being in solicited status completes by this place between Third-party payment company and bank to transfer, is also feasible.
This payment system 1 can be separated and paid thus complete cargo transaction after article are signed for, and the preferred flow process of this part is the process flow diagram that fund solution provided by the invention is paid see Fig. 6, Fig. 6, comprises the following steps:
After S401, goods are sent to, the user of client terminal 4 signs for.Usually, provide module by arranging delivery of cargo code in described payment system 1 and sign for code granting module; Wherein, described delivery of cargo code provides module, for sending a delivery of cargo code to described physical distribution terminal 3; Described code of signing for provides module, signs for code for sending one to described client terminal 4.
Described client terminal 4, after described goods movement to described destination, signs for code described in providing to described physical distribution terminal 3.
Described physical distribution terminal 3 comprises delivery of cargo module, shipping module and signs for module, wherein: described delivery of cargo module receives described delivery of cargo code, extracts the goods corresponding with described goods attribute according to described delivery of cargo code; Described shipping module guides described goods movement to described destination; Described sign for module according to described in sign for code send described in receive information to described payment system 1.
In addition, can also can arrange one at client terminal 4 and sign for module and receive to realize intellectuality, signing for module has two kinds preferred embodiment, specific as follows:
Mode one: sign for module and comprise and sign for code and provide module, sign for code and confirm module and sign for sending module, wherein: described in sign for code and provide module, be connected to described client terminal 4 for communication, sign for code to described client terminal 4 to provide one; Described code of signing for confirms module, for after described goods movement to destination and before described fund of thawing or before clearing to owner of goods's account of transferring, signs for code and signs for information to generate, thus determine that described goods is signed for described in generation confirms; Describedly sign for sending module, be connected to described payment system 1 for communication, described information of signing for is sent to described payment system 1.Which can also be: described payment system 1 comprises delivery of cargo code and provides module and sign for code granting module; Described delivery of cargo code provides module, for sending a delivery of cargo code to described physical distribution terminal; Described code of signing for provides module, signs for code for sending one to described client terminal.
Which to be received use for buyer, and during to verify that buyer receives, identity improves the reliability of logistics company dispensing.
Mode two: sign for module and comprise and sign for code and provide module, sign for code and confirm module and sign for sending module, wherein: described in sign for code and provide module, be connected to described client terminal 4 for communication, sign for code to described client terminal 4 to provide one; Described code of signing for confirms module, for after described goods movement to destination and before described fund of thawing or before clearing to owner of goods's account of transferring, signs for code and signs for information to generate, thus determine that described goods is signed for described in generation confirms; Describedly sign for sending module, be connected to described payment system 1 for communication, described information of signing for is sent to described payment system 1.
What this system also comprised that communication is connected to client terminal 4 signs for a yard server; Described sign for yard server generate for the solicited message signing for yard request module described in foundation described in sign for code, and described code of signing for is sent to described client terminal 4.Wherein, this signs for yard server and manufacturer terminal 2 can be same server, to perform different functions.
Described module of signing for comprises and signs for a yard request module, signs for code and confirm module and sign for sending module, wherein: described in sign for a yard request module, sign for a yard server described in being connected to for communication, to generate one sign for code to described yard server request of signing for; Described code of signing for confirms module, for after described goods delivery to destination and before described fund of transferring, signs for code and signs for information to generate, thus determine that described goods is signed for described in generation confirms; Describedly sign for sending module, be connected to described payment system 1 for communication, described information of signing for is sent to described payment system 1.
Which acknowledges receipt of goods for buyer to logistics, pays freeze or guarantee fund by signing for a yard server solution, thus ensures and buy both sides' rights and interests.
S402, sign for after physical distribution terminal 3 sign for synchronizing information payment system 1 by above-mentioned.
S403, payment system 1 thaw described fund and transferred accounts to target account or transfer clearing to target account.
In order to realize intelligentized electronic certificate better, the present invention also provides following preferred version:
1) described manufacturer terminal 2 or payment system 1 also comprise countdown module.
Described countdown module is used for arranging count down information to described electronic certificate; Wherein, described count down information comprises the payment countdown and/or delivery countdown and/or arrival countdown that generate according to deal engagement.Countdown module can guarantee that article are paid in time.
Arrange the countdown that when pays, be both parties conclude the transaction purpose time just start, belong to payment countdown.
Arrange the countdown of when delivering to deliver exactly countdown, for ensureing article or service delivery in time; This countdown module, just starts when starting and paying.
The countdown of arranging when arrival is received countdown exactly, for ensureing article or serving timely arrival, starts when seller starts to deliver.
2) described manufacturer terminal 2 or payment system 1 also comprise insurance module and public rights module.
Described insurance module, for arranging electronic insurance contract information to described electronic certificate; Insurance module ensures the rights and interests of both parties, the loss that the unexpected situation reducing process of exchange to greatest extent causes.Insurance module records electronic insurance contract, does not limit concrete insurance kind.The payment being kinds of goods by this insurance module is tendered guarantee, and compensates the loss that article trading unsuccessfully causes, and ensures the interests buying both sides to greatest extent.
Described public rights module, for described electronic certificate write authentication information and/or article proprietary information and/or authentication information and/or register information.Public rights module is connected with public rights mechanism information, has registration, qualification, authentication function.
3) described manufacturer terminal 2 or payment system 1 also comprise and return servant's module.
Return the condition of hiring module and the connection of thing letter card being issued for providing agent, therefrom trade matching, makes agent be extracted commission.
By reference to the accompanying drawings embodiments of the invention are described above; but the present invention is not limited to above-mentioned embodiment; above-mentioned embodiment is only schematic; instead of it is restrictive; those of ordinary skill in the art is under enlightenment of the present invention; do not departing under the ambit that present inventive concept and claim protect, also can make a lot of form, these all belong within protection of the present invention.
Claims (8)
1. the payment system based on electronic certificate, it is characterized in that, the payment system that this system comprises manufacturer terminal, communication is connected to described manufacturer terminal, communication are connected to the physical distribution terminal that the client terminal of described payment system and communication are connected to described payment system, wherein:
Described manufacturer terminal, for importing the goods attribute at least comprising and have title and the amount of money and the receipts settlement information with at least one account to generate electronic certificate template;
Described payment system, can the electronic certificate of written information for storing; After the solicited message receiving described client terminal, transfer the asked amount of money to solicited status after also sending out electronic certificate described for core; Also for after the information of receiving receiving described client terminal, by account corresponding with described receipts settlement information for the described amount of money Zhi Fuzhi that is in solicited status;
Described client terminal, for obtaining described electronic certificate by internet, the destination of logistics distribution is write in described electronic certificate, select the logistics support information preset to determine logistics distribution information, and send described request information to ask the amount of money that described in Zhi Fuyu, goods attribute is corresponding according to described receipts settlement information to described receipt and payment system;
Described physical distribution terminal, after described receipt and payment system receives described request payment, extracts the article corresponding with described goods attribute, and guides described article to move to described destination, and information of receiving described in sending is to described payment system.
2. system according to claim 1, is characterized in that, described payment system comprises memory module, core sends out module, payment module, gathering module and release module, wherein:
Described memory module, can the electronic certificate of written information for storing, and wherein, described electronic certificate at least comprises the goods attribute with title and the amount of money and the receipts settlement information with at least one account;
Described core sends out module, sends out electronic certificate described for core;
Described payment module, for receive described client terminal solicited message after, solicited status is transferred to the asked amount of money; Wherein, described request state be freeze the described amount of money state or the described amount of money is proceeded to the state in default secured account;
Described gathering module, for receive described physical distribution terminal information of receiving after, the described amount of money being in solicited status is transferred in the account corresponding with described receipts settlement information;
Described release module, for issuing described electronic certificate by internet.
3. system according to claim 1, is characterized in that, described payment system comprises delivery of cargo code and provides module and sign for code granting module;
Described delivery of cargo code provides module, for sending a delivery of cargo code to described physical distribution terminal;
Described code of signing for provides module, signs for code for sending one to described client terminal.
4. system according to claim 3, is characterized in that, described client terminal also for after described goods movement to described destination, signs for code described in providing to described physical distribution terminal.
5. system according to claim 4, is characterized in that, described physical distribution terminal comprises delivery of cargo module, shipping module and signs for module, wherein:
Described delivery of cargo module, for receiving described delivery of cargo code, extracts the goods corresponding with described goods attribute according to described delivery of cargo code;
Described shipping module, for guiding described goods movement to described destination;
Describedly sign for module, for sign for described in foundation code send described in receive information to described payment system.
6. system according to claim 1, is characterized in that, described payment system comprises countdown module;
Described countdown module, for writing count down information to described electronic certificate; Wherein, described count down information comprises the payment countdown and/or delivery countdown and/or arrival countdown that generate according to deal engagement.
7. the system according to any one of claim 1-6, is characterized in that, described payment system comprises insurance module;
Described insurance module, for writing electronic insurance contract information to described electronic certificate.
8. system according to claim 7, is characterized in that, described payment system comprises public rights module;
Described public rights module, for described electronic certificate write authentication information and/or article proprietary information and/or authentication information and/or transaction status information and/or register information.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2014/086464 WO2016037371A1 (en) | 2014-09-12 | 2014-09-12 | Electronic certificate-based payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104854613A true CN104854613A (en) | 2015-08-19 |
Family
ID=53852837
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201480003227.XA Pending CN104854613A (en) | 2014-09-12 | 2014-09-12 | Payment system based on electronic credential |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN104854613A (en) |
| CA (5) | CA2997808C (en) |
| WO (1) | WO2016037371A1 (en) |
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| CN109816363A (en) * | 2017-11-21 | 2019-05-28 | 富泰华工业（深圳）有限公司 | The processing unit and method of storage medium, commodity transaction information |
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- 2014-09-12 CN CN201480003227.XA patent/CN104854613A/en active Pending
- 2014-09-12 CA CA2997808A patent/CA2997808C/en active Active
- 2014-09-12 CA CA3176726A patent/CA3176726C/en active Active
- 2014-09-12 CA CA3176732A patent/CA3176732A1/en active Pending
- 2014-09-12 CA CA3176736A patent/CA3176736C/en active Active
- 2014-09-12 WO PCT/CN2014/086464 patent/WO2016037371A1/en active Application Filing
- 2014-09-12 CA CA3176741A patent/CA3176741A1/en active Pending
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| US20080133305A1 (en) * | 2006-09-01 | 2008-06-05 | Skudr.Com, Inc. | System and method for facilitating resale activity of items |
| CN101655948A (en) * | 2008-08-20 | 2010-02-24 | 阿里巴巴集团控股有限公司 | Online trading method and online trading system |
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Also Published As
| Publication number | Publication date |
|---|---|
| CA2997808C (en) | 2023-09-26 |
| CA3176732A1 (en) | 2016-03-17 |
| WO2016037371A1 (en) | 2016-03-17 |
| CA3176741A1 (en) | 2016-03-17 |
| CA3176726A1 (en) | 2016-03-17 |
| CA2997808A1 (en) | 2016-03-17 |
| CA3176736A1 (en) | 2016-03-17 |
| CA3176736C (en) | 2024-04-23 |
| CA3176726C (en) | 2023-03-14 |
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Application publication date: 20150819 |