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Electronic certificate generation method, payment method and server

An electronic voucher and server technology, applied in electronic vouchers, payment systems, etc., can solve problems such as the inability to fully ensure the security of consumers' online transactions and the inability to guarantee consumer rights and interests, and achieve the effect of credit and funds.

Inactive Publication Date: 2017-06-23
SHENZHEN CIFPAY NETWORK BANK TECH
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the traditional online shopping process, the buyer needs to select the purchased goods on the e-commerce network platform, and then pay by transfer, remittance or cash. defects in the goods, quality problems of the goods, etc.), and the rights and interests of consumers cannot be guaranteed after the transaction is completed
Although in recent years, some e-commerce platforms (such as Taobao and Tmall) have used the method of first remitting the payment to a third-party transaction platform for third-party entrusted payment (such as Alipay) to reduce transaction risks, but because the third-party platform also has some risk, and therefore cannot fully ensure the security of consumer online transactions

Method used

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  • Electronic certificate generation method, payment method and server
  • Electronic certificate generation method, payment method and server
  • Electronic certificate generation method, payment method and server

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Embodiment Construction

[0026] In order to make the purpose, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings.

[0027] In view of the problems of credit and capital security in network transactions, the embodiment of the present invention relates to a basic financial tool for Internet innovation - a bank letter certificate. Bank letter of credit refers to the electronic credit certificate issued by the issuer (buyer) with its bank account funds or credit line as a guarantee, and the bank promises to handle payment and settlement according to the release conditions. Initiating and paying with bank credit commitments, the core essence is a kind of payer's funds as a deposit, which is converted into quantified bank credit as a payment currency, and the credit of an individual or enterprise is upgraded to a bank credit level. At the same time, the payee, payment The mode in wh...

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Abstract

The invention provides an electronic certificate generation method, and the method comprises the steps: arranging an electronic certificate generator on a first server; setting the electronic certificate generator, and forming a bank trust certificate payment channel on an electronic certificate generated by the electronic certificate generator or a response module which complete the payment in a payment mode that a user selects a bank trust certificate for payment. The response module is at least provided with the bank trust certificate payment channel. According to the embodiment of the invention, the generated electronic certificate cooperates with the bank trust certificate for use. The method achieves a function of convenient online shopping, can meet the online shopping demands of a user and also can achieve the credit and fund safety in online transaction.

Description

technical field [0001] The invention relates to the technical field of electronic commerce, in particular to a method for generating an electronic certificate, a payment method and a server. Background technique [0002] With the popularity of the Internet and the improvement of logistics efficiency, online shopping has gradually become one of the most popular purchasing methods for modern people, and its overall transaction volume has also continued to increase. Therefore, e-commerce has attracted more and more attention from people, and has become It has become an important development trend for all walks of life to expand business opportunities. [0003] In the traditional online shopping process, the buyer needs to select the purchased goods on the e-commerce network platform, and then pay by transfer, remittance or cash. There are defects in the goods, quality problems of the goods, etc.), and the rights and interests of consumers cannot be guaranteed after the transac...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38
CPCG06Q20/3821
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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