Electronic certificate-based payment system

Abstract

An electronic certificate-based payment system comprising a vendor terminal (2), a payment system (1), a client terminal (4), and a logistics terminal (3). The vendor terminal (2) applies to the payment system (1) for issuance of an electronic certificate. The payment system (1) issues the electronic certificate. The client terminal (4) collects the electronic certificate and requests the payment system (1) for a payment amount. The payment system (1) converts the amount to a requested state and notifies the logistics terminal (3) to transfer goods. The logistics terminal (3) instructs movement of the goods to a destination. The payment system (1) transfers the amount in the requested state into a corresponding account when shipment receipt information is received. By means of the electronic certificate-based payment system, a restriction to a specific sales location is removed, and an original transaction mode that relied on the reputation of a third-party platform and centered on an electronic vendor is altered, thus forming a transaction mode centering on goods, and facilitating autonomous and highly efficient circulation of the goods on the internet.

Description

Electronic Certificate-Based Payment System Technical Field [l] The present invention relates to the field of Internet, and more particularly to a payment system based on electronic certificate. Background Technology [2] With the breakthrough of network, communication and information technology, ecommerce came into being and developed rapidly, changing people's life rapidly and promoting the evolution of social business form. However, the overall economy is still free from the threshold of e-commerce, the product is more in kind to be placed in the physical store, or placing the product in a picture way in the network store, forming a "shop-based" sales model. The reputation, quality and authenticity of the purchased commodity are mainly based on the factors such as the scale and reputation of the physical shops or online shops, but are hardly related to the quality of the commodity themselves and the manufacturers. For example, in real life, it is hard for people to believe that the brand commodity sold on the stalls are genuine commodity, all of which are purchased in the specialty stores because they believe the sales in the specialty stores must be genuine, so people usually buy the original genuine in a specialty store. Because the buyers are more willing to believe that the products sold in the specialty store are genuine, that is, the traditional purchase and sale mainly depends on particular sales sites for "shop-based" product transactions. The actual situation is that the brand stores, and even large-scale e-commerce platform sell fake goods of high imitation are often disclosed and found in newspapers and other media. [3] It is necessary to design a system or device that can integrate all the real information of the commodity under the transaction, complete transaction rules and service transaction, and create an environment that can give intelligent and independent trading of commodity, so that the existing trading mode can be separated from the "store standard" to realize the transaction mode of "object standard", that is, who sales are not important, who is the production of sales of commodity, who provided it is important to protect 1 Date Re9ue / Date Received 2022-09-28 consumers on the network can be purchased by the original genuine, in order to eliminate counterfeiting online shopping at the same time, a large number of real economy of the producers can realize the direct marketing of the entire domain by affixing their own intelligent electronic transactions on the commodity. Summary of the Invention [4] The technical problem to be solved by the present invention is that, in view of the limitation of certain sales places in the circulation of articles in the existing technology as described above, the integration and recording mechanism of transaction information is not perfect, the mechanism of verification of delivery and delivery of commodity is not perfect and it cannot fully realize the problem of intelligent autonomous transaction of commodity, and provide a payment system based on electronic certificate. [5] The technical solution adopted by the present invention to solve the technical problem is as follows: A payment system based on an electronic certificate is constructed, comprising a manufacturer terminal, a payment system communicatively connected to the vendor terminal, and a communication system connected to the payment system client terminal, and a logistics terminal communicatively connected to the payment system, wherein: [6] The vendor terminal is used to import an electronic certificate template that includes at least an article attribute with a name and an amount of money and settlement information with at least one account; [7] The payment system is used to store an electronic certificate that can write information; and further configured to: after the electronic certificate is issued and after receiving the request information of the client terminal, convert the requested amount into a request state; after receiving the receipt information of the client terminal, pays the amount in the requested state to an account corresponding to the settlement information; [8] The client terminal is used to acquire the electronic certificate via the internet, write a destination of the logistics delivery in the electronic certificate, select a preset logistics support information to determine the logistics distribution information, and determine, according to the collection, the settlement information delivers the request information to the payment system to request payment of an amount corresponding to the article attribute; 2 Date Re9ue / Date Received 2022-09-28 [9] The logistics terminal, after the payment receiving system receives the request payment, extracts an item corresponding to the attribute of the item and directs the item to move to the destination and delivers the receipt information to the payment system.

[10] In the system of the present invention, the payment system includes a storage module, a verification module, a payment module, a payment module, and a distribution module, wherein:

[11] The storage module is used to store an electronic certificate of writeable information, wherein the electronic certificate at least includes an article attribute with a name and an amount of money, and settlement information with at least one account;

[12] The issuing module is used to issue the electronic certificate;

[13] The payment module is used to: after the request information of the client terminal is received, tum the requested amount into a request state; wherein the request state is a state of freezing the amount or change the amount of money into the default security account in the state;

[14] The receiving module is used to: after receiving the receiving information of the logistics terminal, allocate the amount in the requested state to an account corresponding to the settlement information;

[15] The publishing module is used to publish the electronic certificate via the Internet.

[16] In the system of the present invention, the payment system includes a delivery code issuing module and a receipt code issuing module.

[17] The pick-up code issuing module for delivering a pick-up code to the logistics terminal;

[18] The receipt code issuing module is used to deliver a receipt code to the client terminal.

[19] In the system of the present invention, the client terminal is further configured to provide the logistic terminal with the receipt code after the commodity move to the destination.

[20] In the system of the present invention, the logistics terminal includes a pickup module, a shipping module, and a signing module, wherein:

[21] The pick-up module is used to receive the pick-up code and extract the commodity corresponding to the article attribute according to the pick-up code;

[22] The delivery module is used for guiding the commodity to move to the destination;

[23] The receiving module is used to deliver the receipt information to the payment system 3 Date Re9ue / Date Received 2022-09-28 according to the receipt code.

[24] In the system of the present invention, the payment system includes a countdown module;

[25] The countdown module is used to write countdown time information to the electronic certificate, wherein the countdown time information includes a payment countdown and / or a delivery countdown and / or an arrival countdown generated according to a transaction agreement.

[26] In the system of the present invention, the payment system includes an insurance module;

[27] The insurance module is used to write the electronic certificate into the electronic insurance contract information.

[28] In the system of the present invention, the payment system includes a public authority module;

[29] The public authority module is used to write identification information and / or item ownership information and / or authentication information and / or transaction status information and / or registration information to the electronic certificate.

[30] The present invention discloses payment system based on an electronic certificate, which has the following beneficial effects: By generating an electronic certificate that corresponds to an article and is adapted to the circulation of the Internet, the invention can get rid of the restriction of a specific sales place, thereby changing the original relying on the business reputation of the tripartite E-commerce platform or online store, see the picture, the transaction-oriented E-commerce model, so that items can be attached to its own attributes, such as manufacturers, raw materials and other information, can be autonomous and efficient circulation on the Internet, realize intelligent and independent trading, and forming an object-centered transaction model. Brief Description

[31] Figure 1 is a structural block diagram of a payment system based on an electronic certificate provided by the present invention;

[32] Figure 2 is a flow chart of a method for an electronic certificate-based payment system provided by the present invention;

[33] Figure 3 is a flow chart of generating and issuing the electronic certificate provided by 4 Date Re9ue / Date Received 2022-09-28 the present invention;

[34] Figure 4 is a flowchart of purchasing an electronic certificate by a client terminal according to the present invention;

[35] Figure 5 is a flow chart of the delivery of commodity provided by the present invention;

[36] Figure 6 is a flow chart of the settlement of funds provided by the present invention. Description of the Preferred Examples [3 7] For a clearer understanding of the technical features, objectives and effects of the present invention, the specific examples of the present invention will be described in detail with reference to the accompanying drawings.

[38] The present invention provides an electronic certificate-based payment system 100, which aims to realize a fully intelligent system of 'payment system guarantee, single inspection, receipt of payment. Wherein, the use of electronic certificate enables the transaction of commodity or services to reach a 'direct purchase and sale', that is, the commodity are delivered directly by the manufacturer and automatically collected, so as to ensure the authentic sales from the source of the commodity, thereby making the transaction safer and more reliable; To ensure the quality of commodity by adding the public power module in order to supervise the dynamic circulation of the articles. Through electronic certificate, it will guide the physical objects to move, so as to ensure the reasonable rights and interests of both parties, and realize the "hand in hand delivery" in E-commerce business; the use of electronic certificate can also produce unmanufactured items or articles in production, as well as services, pre-issuance, improve the rate of funds recovery and speed up the flow of funds; at the same time, through the electronic certificate changed based on electric business platform by a third party ( or online store) business reputation, see the pictures, the transaction of the electricity business centered trading pattern, make the items on the Internet, autonomous and efficient circulation realize intelligent autonomous transactions, form centered on items of trade pattern; through this system, enterprises can be expected to produce commodity or commodity has created or existing services to record dynamic circulation of commodity information electronic certificate shows in the E-commerce, the enterprise with a future cash flow of income in exchange for an immediate cash flow income has greatly improved the problem of insufficient liquidity of funds turnover and 5 Date Re9ue / Date Received 2022-09-28 meet the financing requirements of the enterprise, accelerate enterprise funds turnover, promoting economic and social development.

[39] Figure 1 is a block diagram of a payment system 100 based on an electronic certificate according to a first example of the present invention. As shown in Figure 1, a payment system 100 based on an electronic certificate includes a manufacturer terminal 2, a payment system 1 communicatively connected to the vendor terminal 2, a client terminal 4 communicatively connected to the payment system 1, and a logistics terminal 3 communicatively connected to the payment system 1. Communication connection has the function of synchronous data, according to the actual needs, selective synchronization of data.

[40] Wherein: The vendor terminal 2 is used to import an electronic certificate template that includes at least an article attribute with a name and an amount of money and settlement information with at least one account;

[41] The payment system 1 is used to store an electronic certificate of writeable information, and further configured to: after the electronic certificate is issued and after receiving the request information of the client terminal 3, convert the requested amount into a request state; and is further configured to: after receiving the receiving information of the client terminal 3, pays the amount in the requested state to an account corresponding to the settlement information, where the request state may be understood as a frozen deposit. The status of the amount or the credit line or the status of the deposit amount or the credit limit transferred to the preset guarantee account, that is, the credit limit ( credit card) or deposit amount ( debit card) in the purchaser's bank card is temporarily frozen or is the credit limit and deposit amount into the default guarantee account, it can be understood as a commitment to pay.

[42] Where the electronic certificate is issued, the electronic certificate written in the payment system is written into the electronic certificate after the relevant information (such as seller's account information and other financial information) in the electronic certificate is approved, and then the electronic certificate is issued again. The purpose of correctly identifying the electronic certificate by the payment terminal is also solved technically and the identity verification of the article producer is also solved.

[43] The client terminal 4 is used to acquire the electronic certificate via the internet, write a 6 Date Re9ue / Date Received 2022-09-28 destination of the logistics delivery in the electronic certificate, select a preset logistics support information to determine the logistics distribution information, and determine, according to the collection, the settlement information delivers the request information to the payment system to request payment of an amount corresponding to the article attribute;

[44] The logistics terminal 3, after the payment receiving system receives the request payment, extracts an item corresponding to the attribute of the item and directs the item to move to the destination and delivers the receipt information to the payment system 1.

[45] For the system, refer to Figure 2 for a method for executing the system. Figure 2 is a flow chart of a method for payment system based on an electronic certificate provided by the present invention. The method mainly includes the following four steps:

[46] Sl, Providing and issuing an Electronic Certificate: the manufacturer terminal 2 provides an electronic certificate template for completing the configuration. After the payment system 1 issues the electronic certificate, the electronic certificate is published through the Internet. Wherein, manufacturers, distributors, or natural persons can provide the main body to generate electronic certificate resources. Specifically, the "issuance" here refers to writing the payment account information and the electronic signature written to the payment system in the electronic certificate.

[47] S2: Purchase of the electronic certificate: the client terminal 4 acquires the electronic certificate, and delivers the request information to the payment system 1 to request payment of an amount corresponding to the item attribute; or to the electronic device via the vendor terminal 2. The payment system 1 delivers the request information to request payment of the amount corresponding to the article attribute; the payment system 1 transfers the requested amount to the request status while synchronizing the status information to the client terminal 4 and / or the vendor terminal 2. And informs the logistics terminal 3 to prepare to go to the address provided by the owner of the commodity or may be the location of the commodity described in the electronic certificate and extract the commodity corresponding to the property of the commodity.

[48] S3, Delivery of commodity: the logistics terminal 3 guides the commodity to move to the destination.

[49] S4: Settlement of Funds: After the payment system 1 receives the receipt information of 7 Date Re9ue / Date Received 2022-09-28 the logistics terminal 3, the payment system 1 allocates the amount in the requested state to the account corresponding to the settlement information.

[50] Wherein, for the step S 1, the vendor terminal 2 is used to store an electronic certificate of writeable information, wherein the electronic certificate at least includes an article attribute with a name and an amount of money and settlement closing information with at least one account. The payment system 1 is used to write optional logistics support information after the electronic certificate is issued and deliver it to the manufacturer terminal 2; and the payment system 1 generates an electronic certificate which essentially constructs an electronic certificate that records all transactions. A preferred flow of step Sl is shown in Figure 3, which is a flow chart of generating and issuing the electronic certificate provided by the present invention. The flow chart includes the following steps:

[51] S101, the commodity provider submits a request for generating an electronic certificate to the manufacturer terminal 2.

[52] Preferably, the commodity provider can finish the configuration of the article on the local electronic terminal first, and then submit the request for generating the electronic certificate to the manufacturer terminal 2 again. In this way, the generated electronic certificate source file can be directly stored on the local electronic terminal without being stored in the manufacturer terminal 2 or the payment system 1, and only a connection signal can be provided to the manufacturer terminal 2 or the payment system 1.

[53] It is also possible to directly connect to the manufacturer's terminal 2, complete the configuration of the item online, and then submit the request for generating the electronic certificate to the manufacturer's terminal 2. In addition, when the electronic certificate is generated online, the electronic certificate can be saved to the payment system 1 directly. When the electronic certificate is generated offline, an electronic certificate may also be generated for the item configuration request. The electronic certificate may be stored offline in a local electronic terminal.

[54] S102: the manufacturer terminal 2 receives the request and returns to the cargo providerconfiguration page.

[55] S103: the commodity provider sets various label information of the electronic certificate 8 Date Re9ue / Date Received 2022-09-28 in the configuration page, that is, sets up the fulfilment information of the electronic certificate, the electronic certificate at least includes the item attributes with the name and the amount of money, and at least one account with close billing information.

[56] S104, the manufacturer terminal 2 generates an electronic certificate template configured with the item information.

[57] S105. The commodity provider configures the issuer of the payment system 1, that is, selects a third-party payment company within the payment system 1. The payment system 1 can also be another platform that can support the flow of funds on the Internet. At the same time, the manufacturer terminal 2 delivers the payment provider l's issuance request to the payment system 1. This step may be completed by setting an issuance module in the payment system 1, and the issuance module writes the optional logistics support information after the issuance of the electronic certificate, generates an electronic certificate, and delivers the electronic certificate to the manufacturer terminal 2.

[58] The issuing module is used to approve the payment account information written in the electronic certificate, and deliver the electronic certificate back to the payment system 1.

[59] S106, the payment system 1 receives the issuance request to complete the issuance, and returns a PID to the manufacturer terminal 2.

[60] The 'PID' involved here is the port ID, which is also the 'port number'. Normally, the PID consists of 8-bit port priority plus port number, port number is low, and the default port number priority 128.

[61] Of course, it is also possible for the commodity provider to directly submit the request for issuing the electronic certificate to the payment system 1, and the payment system 1 returns a PID to the commodity provider after confirming the identity of the commodity provider. It is also conceivable that the commodity provider may also submit a request for issuing the electronic certificate to the payment system 1 through the manufacturer's terminal 2 so as to obtain a PID, which is also feasible.

[62] In Sl 07, the manufacturer terminal 2 updates the state of the electronic certificate to be issued and synchronizes the information to the commodity provider.

[63] S108, the supplier of the commodity chooses the publication method of the electronic certificate, and generally selects to release the electronic certificate through the preset 9 Date Re9ue / Date Received 2022-09-28 channels. The channel can be a link, it can be an advertisement, it can be embedded in the APP, and so on. This step may be implemented by adding the publication port electrically connected to the commodity provider, and the publication port is used to connect to the Internet to publish the electronic certificate.

[64] S109, the payment system 1 issues the electronic certificate according to the release mode.

[65] SllO, the commodity provider or other Internet users can view the released electronic certificate via a terminal connected to the Internet.

[66] For the step S2, the client terminal 4 in the system is used to browse and acquire the electronic certificate via the Internet, write a destination of the logistics delivery in the electronic certificate, and select the logistics support information as determine the distribution information, and deliver the request information to the payment system 1 according to the settlement information to request payment of an amount corresponding to the article attribute; and the client terminal 4 can implement its function through a software package such as a plug-in, an APP, and so on. After the payment system 1 receives the request information from the client terminal 4, the payment system 1 turns the requested amount into a request state and notifies the logistics terminal 3 to go to the location of the commodity to extract the commodity corresponding to the property of the commodity.

[67] The function of the client terminal 4 is to complete the purchase of the electronic certificate and provide the funds for the subsequent delivery steps to freeze or escrow the certificate. For the specific process of purchasing the electronic certificate, see Figure 4. Figure 4 shows the process of the electronic device certificate flow chart, the process includes the following steps:

[68] S201: the client terminal 4 selects a payment account, and may also select a platform for Internet to support the flow of funds, or may be the same terminal as the payment system 1, so as to issue a payment request. Generally, it need to enter the corresponding account and password to log in to pay the account.

[69] S202: the payment system 1 receives the selection instruction, verifies the user identity of the client terminal 4, and returns to the client terminal 4.

[70] S203: the client terminal 4 delivers the user identity information and confirms that the Date Re9ue / Date Received 2022-09-28 electronic certificate is to be paid.

[71] S204: After receiving the request information of the client terminal 4, the payment system 1 requests the selected account for the sum, and transfers the requested amount into a request state, and notifies the logistics terminal 3 to retrieve the payment request corresponding to the item attribute corresponding to the commodity, the amount of money provided by the user of the client terminal 4. This step may be implemented by setting a payment module in the payment system 1. Specifically, after the payment module receives the request information of the client terminal 4, the requested amount is turned into a request status and notifies the logistics terminal 3. The commodity corresponding to the article attributes are extracted.

[72] S205: the payment system 1 synchronizes the contract information of the client terminal 4 with the terminal 3 and returns a performance receipt.

[73] S206: the client terminal 4 updates the fulfilment status of the electronic certificate according to the fulfilment receipt.

[74] With respect to step S3, the system includes a logistics terminal 3 for directing the commodity to move to a destination and delivering the commodity receipt information to the payment system 1. The logistics terminal 3 is disposed inside the logistics company so that the electronic certificate can be fully circulated. The logistics terminal 3 can also be implemented in the form of software such as APP, plug-in. Whereas, the commodity are moved to the destination and can be delivered to the door or other forms of delivery.

[75] The logistics terminal 3 ensures the timely delivery of the commodity under the monitoring mode and effectively combines the circulation track of the commodity and the circulation of funds so that the rights and interests of both the buyer and the seller can be effectively protected.

[76] The logistics terminal 3 essentially completes the delivery process. Referring to Figure 5, the flowchart of the delivery item provided by the present invention preferably includes the following steps:

[77] S301, the logistics terminal 3 delivers the commodity to submit the fulfilment information and simultaneously updates the fulfilment information of the payment system 1. 11 Date Re9ue / Date Received 2022-09-28

[78] S302: After receiving the updated performance information, the payment system 1 returns the notification of the performance at the same time. In this step, the logistics company automatically synchronizes the logistics status with the payment system 1, for example, has shipped, has been received. The trigger electronic certificate module delivers out the performance to the payment system 2, prompting the two notifications to prompt the payment.

[79] S303: the electronic certificate updates the fulfilment information in the logistics terminal 3.

[80] With respect to step S4, the system includes the payment system 1, wherein the payment system 1 is used to: after receiving the receipt information of the logistics terminal 3, allocate the amount of money in the request state to the payment information corresponding to the settlement information corresponding account. The payment system 1 here is mainly a third party payment company. Of course, it is understandable that it is also feasible to allocate the amount described in the requested state between the third party payment company and the bank.

[81] The payment system 1 can be paid after the receipt of the commodity to complete the transaction, the preferred process of the part is shown in Figure 6, which is a flow chart of the solution of the funds provided by the present invention. The process includes the following steps:

[82] S401: After the commodity are delivered, the user of the client terminal 4 signs the receipt. Generally, a pickup code issuing module and a receipt code issuing module are set in the payment system 1; wherein the pickup code issuing module is used to deliver a pickup code to the logistics terminal 3; the receipt code issuing module is used to deliver, for delivering a receipt code to the client terminal 4.

[83] The client terminal 4 provides the receipt code to the distribution terminal 3 after the load is moved to the destination.

[84] The logistics terminal 3 includes a delivery module, a delivery module and a receipt module, wherein: the delivery module receives the delivery code and extracts the commodity corresponding to the article properties according to the delivery code; the delivery module guides the commodity to move to the destination; and the receipt module delivers the receipt information to the payment system 1 according to the receipt 12 Date Re9ue / Date Received 2022-09-28 code.

[85] In addition, a sign-in module may also be set in the client terminal 4 to realize intelligent receipt. There are two preferred examples of the sign-in module, as follows:

[86] Mode 1: the receiving module includes a receipt code issuing module, a receipt code confirmation module and a receipt delivering module, wherein: the receipt code issuing module is used to communicatively connect to the client terminal 4 to issue a receipt code to client terminal 4; the receipt code confirmation module is used to generate confirmation of the receipt code to generate a receipt after the shipment is moved to the destination and before the funds are unfrozen or prior to settlement to the owner of the commodity information, so as to determine the receipt of the commodity; and the sign delivering module is used to be communicatively connected to the payment system 1, and deliver the sign information to the payment system 1. The method may further include: the payment system 1 includes a delivery code issuing module and a receipt code issuing module; the pickup code issuing module is used to deliver a pickup code to the logistics terminal; the receipt code issuing module is used to: deliver a receipt code to the client terminal.

[87] In order to verify the reliability of the delivery of the logistics company, the buyer should receive the commodity in order to verify the identity of the buyer.

[88] Manner 2: the receiving module includes a receipt code issuing module, a receipt code confirmation module and a receipt delivering module, wherein: the receipt code issuing module is used to communicatively connect to the client terminal 4 to issue a receipt code to client terminal 4; the receipt code confirmation module is used to generate confirmation of the receipt code to generate a receipt after the shipment is moved to the destination and before the funds are unfrozen or prior to settlement to the owner of the commodity information, so as to determine the receipt of the commodity; and the sign delivering module is used to be communicatively connected to the payment system 1, and deliver the sign information to the payment system 1.

[89] The system further includes a signing code server communicatively connected to the client terminal 4; the signing code server is used to generate the signature according to the request information of the signature request module, and deliver the signature to the client terminal 4. The signing code server and the manufacturer terminal 2 may be the 13 Date Re9ue / Date Received 2022-09-28 same server, so as to perform different functions.

[90] The sign-in module includes a sign-code request module, a sign-off code confirming module, and a sign-off delivering module, wherein: the sign-off code request module is used to be communicatively connected to the sign-off code server, request to generate a receipt code; and the receipt code confirmation module is used to generate a receipt confirmation message to confirm the receipt code after the commodity are delivered to the destination and before allocating the funds, so as to determine the receipt of the commodity; the sign delivering module is used to be communicatively connected to the payment system 1 and to deliver the sign information to the payment system 1.

[91] This method protects the rights and interests of both parties by confirming that the buyer has received the commodity from the logistics center and solves the freezing or guarantee funds through the receipt server.

[92] S402, after the receipt, the logistics terminal 3 synchronizes the receipt information with the payment system 1.

[93] S403, the payment system 1 unfreezes the funds and transfers them to the target account or transfers the settlement to the target account.

[94] In order to better realize an intelligent electronic certificate, the present invention further provides the following preferred solutions:

[95] 1) The vendor terminal 2 or the payment system 1 further includes a countdown module.

[96] The countdown module is used to set countdown information for the electronic certificate, where the countdown information includes a payment countdown and / or a delivery countdown and / or a countdown of commodity due to a transaction agreement. The countdown module ensures that items are delivered on time.

[97] The deciding when to pay the countdown is the time when the parties to the transaction reached the intent to initiate the transaction and is a payment countdown.

[98] The contract, when the countdown to the shipment is the countdown to the shipment, is used to guarantee the timely delivery of the item or service; the countdown module is started when the payment is initiated.

[99] The contract, when the countdown to the arrival is the countdown to the receipt, is used to guarantee the timely arrival of the item or service when the seller begins to ship.

[100] 2) The vendor terminal 2 or the payment system 1 further includes an insurance module 14 Date Re9ue / Date Received 2022-09-28 and a public authority module.

[101] The insurance module is used to set the electronic insurance contract information for the electronic certificate; the insurance module ensures the rights and interests of both parties of the transaction and minimizes the losses caused by the sudden condition of the transaction. Insurance module records electronic insurance contracts, not limited to specific types of insurance. The insurance module provides guarantee for the delivery of commodity, and pays for the loss caused by the failure of the commodity transaction, and the maximum guarantee of the interests of both parties.

[102] The public authority module is used to write identification information and / or item ownership information and / or authentication information and / or registration information to the electronic certificate. Public right module and public authority information connection, with registration, accreditation, certification functions.

[103] 3) The vendor terminal 2 or the payment system 1 further includes a rebate module.

[104] The rebate module is used to provide the conditions under which the broker issues a connection to the Object Credit Certificate, from which the transaction is matched so that the broker can extract the commission.

[105] The examples of the present invention are described above with reference to the accompanying drawings. However, the present invention is not limited to the above specific examples. The foregoing specific examples are merely illustrative and not intended to limit the present invention, many modifications and variations can be made by those skilled in the art without departing from the spirit and scope of the invention as disclosed in the accompanying drawings, all of which fall within the protection scope of the invention. 15 Date Re9ue / Date Received 2022-09-28

Claims

16 Claims:

1. A manufacturer terminal, comprising: a computer-readable memory for storing processor-executable instructions; a computer processor communicatively coupled to the memory, wherein upon execution of the processor-executable instructions, the processor is configured to: import an electronic certificate template that includes at least an article attribute with a name and an amount of money and settlement information with at least one account; and generate configurations of the information related to an article to send an electronic certificate with the configurations to a payment system for issuance of the electronic certificate; and update status of the electronic certificate to a commodity provider for the physical delivery of the article to a physical address, wherein the electronic certificate is posted on the Internet for further transactions between a client terminal and the commodity provider, wherein the electronic certificate includes physical address information for the physical delivery of the article to the physical address.

2. The terminal of claim 1, wherein the manufacturer terminal further comprises a countdown module.

3. The terminal of claim 2, wherein the countdown module is configured to write countdown information into the electronic certificate.

4. The terminal of claim 3, wherein the countdown information includes a payment countdown. CA 3176741 Date reçue / Received date 2025-08-15 17 5. The terminal of any one of claims 3 to 4, wherein the countdown information includes a delivery countdown.

6. The terminal of any one of claims 3 to 5, wherein the countdown information includes an arrival countdown.

7. The terminal of any one of claims 1 to 6, wherein the manufacturer terminal further comprises an insurance module.

8. The terminal of claim 7, wherein the insurance module is configured to write an electronic insurance contract into the electronic certificate.

9. The terminal of any one of claims 1 to 8, wherein the manufacturer terminal further includes a public power module.

10. The terminal of claim 9, wherein the public power module is configured to write at least identifying information into the electronic certificate.

11. The terminal of any one of claims 9 to 10, wherein the public power module is further configured to write ownership information into the electronic certificate.

12. The terminal of any one of claims 9 to 11, wherein the public power module is further configured to write authentication information into the electronic certificate.

13. The terminal of any one of claims 9 to 12, wherein the public power module is further configured to write trade status information into the electronic certificate.

14. The terminal of any one of claims 9 to 13, wherein the public power module is further configured to write register information into the electronic certificate. CA 3176741 Date reçue / Received date 2025-08-15 18 15. The terminal of claim 14, wherein the electronic certificate includes settlement information with at least one account.

16. The terminal of any one of claims 14 to 15, wherein the electronic certificate includes settlement information with at least article attribute with a name and an amount of money.

17. The terminal of any one of claims 1 to 16, wherein the electronic certificate is synchronized or partially synchronized between the client terminal and / or the manufacturer terminal.

18. The terminal of any one of claims 1 to 17, wherein the electronic certificate is provided by a manufacturer.

19. The terminal of any one of claims 1 to 18, wherein the electronic certificate is provided by a distributor.

20. The terminal of any one of claims 1 to 19, wherein the electronic certificate is provided by a natural person.

21. The terminal of any one of claims 1 to 20, wherein the manufacturer terminal is receives a request for creating the electronic certificate from an article provider.

22. The terminal of claim 21, wherein the article provider completes the configuration of the article on a local terminal, and submits a request for creating the electronic certificate to the manufacturer terminal, whereby an electronic certificate source file is generated and stored directly on the local terminal, and the local terminal delivers a connection signal to the manufacturer terminal or the payment processing system to access the electronic certificate source file. CA 3176741 Date reçue / Received date 2025-08-15 19 23. The terminal of claim 21, wherein the article provider connects to the manufacturer terminal or the payment processing system directly to configure the article, and submits the request for creating the electronic certificate to the manufacturer terminal, whereby the electronic certificate is saved directly on the manufacturer terminal or payment processing system directly.

24. The terminal of any one of claims 21 to 23, wherein the article provider sets label information of the electronic certificate in a configuration page.

25. The terminal of any one of claims 21 to 24, wherein the article provider is further configured to set an issuing bank of the payment processing system.

26. The terminal of any one of claims 21 to 25, wherein the article provider is further configured to set other third-party payment platforms on the Internet.

27. A method applied at a manufacturer terminal, the terminal comprising: a computer-readable memory for storing processor-executable instructions; a computer processor communicatively coupled to the memory; wherein the method comprises: importing an electronic certificate template that includes at least an article attribute with a name and an amount of money and settlement information with at least one account; and generating configurations of the information related to an article to send an electronic certificate with the configurations to a payment system for issuance of the electronic certificate; and CA 3176741 Date reçue / Received date 2025-08-15 20 updating status of the electronic certificate to a commodity provider for the physical delivery of the article to a physical address, wherein the electronic certificate is posted on the Internet for further transactions between a client terminal and the commodity provider, wherein the electronic certificate includes physical address information for the physical delivery of the article to the physical address.

28. The method of claim 27, wherein the manufacturer terminal further comprises a countdown module.

29. The method of claim 28, wherein the countdown module is configured to write countdown information into the electronic certificate.

30. The method of claim 29, wherein the countdown information includes a payment countdown.

31. The method of any one of claims 29 to 30, wherein the countdown information includes a delivery countdown.

32. The method of any one of claims 29 to 31, wherein the countdown information includes an arrival countdown.

33. The method of any one of claims 27 to 32, wherein the manufacturer terminal further comprises an insurance module.

34. The method of claim 33, wherein the insurance module is configured to write an electronic insurance contract into the electronic certificate.

35. The method of any one of claims 27 to 34, wherein the manufacturer terminal further includes a public power module. CA 3176741 Date reçue / Received date 2025-08-15 21 36. The method of claim 35, wherein the public power module is configured to write at least identifying information into the electronic certificate.

37. The method of any one of claims 35 to 10, wherein the public power module is further configured to write ownership information into the electronic certificate.

38. The method of any one of claims 35 to 37, wherein the public power module is further configured to write authentication information into the electronic certificate.

39. The method of any one of claims 35 to 38, wherein the public power module is further configured to write trade status information into the electronic certificate.

40. The method of any one of claims 35 to 39, wherein the public power module is further configured to write register information into the electronic certificate.

41. The method of claim 40, wherein the electronic certificate includes settlement information with at least one account.

42. The method of any one of claims 40 to 41, wherein the electronic certificate includes settlement information with at least article attribute with a name and an amount of money.

43. The method of any one of claims 27 to 42, wherein the electronic certificate is synchronized or partially synchronized between the client terminal and / or the manufacturer terminal.

44. The method of any one of claims 27 to 43, wherein the electronic certificate is provided by a manufacturer.

45. The method of any one of claims 27 to 44, wherein the electronic certificate is provided by a distributor. CA 3176741 Date reçue / Received date 2025-08-15 22 46. The method of any one of claims 27 to 45, wherein the electronic certificate is provided by a natural person.

47. The method of any one of claims 27 to 46, wherein the manufacturer terminal is receives a request for creating the electronic certificate from an article provider.

48. The method of claim 47, wherein the article provider completes the configuration of the article on a local terminal, and submits a request for creating the electronic certificate to the manufacturer terminal, whereby an electronic certificate source file is generated and stored directly on the local terminal, and the local terminal delivers a connection signal to the manufacturer terminal or the payment processing system to access the electronic certificate source file.

49. The method of claim 47, wherein the article provider connects to the manufacturer terminal or the payment processing system directly to configure the article, and submits the request for creating the electronic certificate to the manufacturer terminal, whereby the electronic certificate is saved directly on the manufacturer terminal or payment processing system directly.

50. The method of any one of claims 47 to 49, wherein the article provider sets label information of the electronic certificate in a configuration page.

51. The method of any one of claims 47 to 50, wherein the article provider is further configured to set an issuing bank of the payment processing system.

52. The method of any one of claims 47 to 51, wherein the article provider is further configured to set other third-party payment platforms on the Internet. CA 3176741 Date reçue / Received date 2025-08-15