CA2993087C - Procede, dispositif et systeme de transaction en ligne - Google Patents

Procede, dispositif et systeme de transaction en ligne Download PDF

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Publication number
CA2993087C
CA2993087C CA2993087A CA2993087A CA2993087C CA 2993087 C CA2993087 C CA 2993087C CA 2993087 A CA2993087 A CA 2993087A CA 2993087 A CA2993087 A CA 2993087A CA 2993087 C CA2993087 C CA 2993087C
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CA
Canada
Prior art keywords
buyer
data
bank
server
seller
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Active
Application number
CA2993087A
Other languages
English (en)
Other versions
CA2993087A1 (fr
Inventor
Yi Zhang
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
10353744 Canada Ltd
Original Assignee
10353744 Canada Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 10353744 Canada Ltd filed Critical 10353744 Canada Ltd
Priority to CA3087588A priority Critical patent/CA3087588C/fr
Priority to CA3154230A priority patent/CA3154230A1/fr
Priority to CA3087610A priority patent/CA3087610C/fr
Priority to CA3087603A priority patent/CA3087603A1/fr
Publication of CA2993087A1 publication Critical patent/CA2993087A1/fr
Application granted granted Critical
Publication of CA2993087C publication Critical patent/CA2993087C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346—Cards serving only as information carrier of service
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé, un dispositif et un système de transaction en ligne, le procédé comprenant les étapes suivantes : un client génère des informations de commande selon un article commandé par un acheteur, et envoie les informations de commande à un serveur d'article ; le client envoie une requête d'émission de certificat de crédit bancaire à un serveur bancaire d'acheteur ; le serveur bancaire d'acheteur génère un certificat de crédit bancaire ayant un statut devant prendre effet, bloque des fonds dans un compte d'acheteur qui correspondent à un montant de commande, met à jour le statut du certificat de crédit bancaire à un statut en vigueur, et envoie le certificat de crédit bancaire à un serveur bancaire de vendeur ; le serveur bancaire de vendeur envoie une notification "a été reçu" au serveur d'article ; le serveur d'article envoie les informations de commande à un serveur intermédiaire de transaction ; le serveur intermédiaire de transaction répartit selon les agencements, et envoie une notification "a été reçu" au serveur bancaire de vendeur ; après la réception de la notification "a été reçu" envoyée par le serveur bancaire de vendeur, le serveur bancaire d'acheteur transfère les fonds bloqués dans le compte d'acheteur dans un compte de vendeur du serveur bancaire de vendeur. La présente invention réduit le risque au niveau des fonds, et augmente la sécurité des informations de transaction.
CA2993087A 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne Active CA2993087C (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
CA3087588A CA3087588C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3154230A CA3154230A1 (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3087610A CA3087610C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3087603A CA3087603A1 (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084660 WO2017012063A1 (fr) 2015-07-21 2015-07-21 Procédé, dispositif et système de transaction en ligne

Related Child Applications (4)

Application Number Title Priority Date Filing Date
CA3087603A Division CA3087603A1 (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3087588A Division CA3087588C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3154230A Division CA3154230A1 (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3087610A Division CA3087610C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne

Publications (2)

Publication Number Publication Date
CA2993087A1 CA2993087A1 (fr) 2017-01-26
CA2993087C true CA2993087C (fr) 2023-02-07

Family

ID=57833650

Family Applications (5)

Application Number Title Priority Date Filing Date
CA3087603A Pending CA3087603A1 (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3154230A Pending CA3154230A1 (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA2993087A Active CA2993087C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3087610A Active CA3087610C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3087588A Active CA3087588C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne

Family Applications Before (2)

Application Number Title Priority Date Filing Date
CA3087603A Pending CA3087603A1 (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3154230A Pending CA3154230A1 (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne

Family Applications After (2)

Application Number Title Priority Date Filing Date
CA3087610A Active CA3087610C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3087588A Active CA3087588C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne

Country Status (2)

Country Link
CA (5) CA3087603A1 (fr)
WO (1) WO2017012063A1 (fr)

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2001283118A (ja) * 2000-03-30 2001-10-12 Internatl Business Mach Corp <Ibm> オンライン決済システム、オンラインショッピングにおける決済方法、サーバおよび販売者端末
CN101000675A (zh) * 2006-12-30 2007-07-18 上海实诺信息技术有限公司 一种电子交易方法与交易平台系统
CN103139210B (zh) * 2013-02-06 2016-09-14 平安银行股份有限公司 一种安全认证方法
CN104376453A (zh) * 2014-10-29 2015-02-25 中国建设银行股份有限公司 一种网上支付方法和系统

Also Published As

Publication number Publication date
CA3087610A1 (fr) 2017-01-26
CA3087610C (fr) 2021-08-10
CA2993087A1 (fr) 2017-01-26
WO2017012063A1 (fr) 2017-01-26
CA3087603A1 (fr) 2017-01-26
CA3087588A1 (fr) 2017-01-26
CA3154230A1 (fr) 2017-01-26
CA3087588C (fr) 2022-05-17

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