CA3087588C - 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
CA3087588C
CA3087588C CA3087588A CA3087588A CA3087588C CA 3087588 C CA3087588 C CA 3087588C CA 3087588 A CA3087588 A CA 3087588A CA 3087588 A CA3087588 A CA 3087588A CA 3087588 C CA3087588 C CA 3087588C
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CA
Canada
Prior art keywords
server
seller
buyer
bank
data
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
CA3087588A
Other languages
English (en)
Other versions
CA3087588A1 (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
Publication of CA3087588A1 publication Critical patent/CA3087588A1/fr
Application granted granted Critical
Publication of CA3087588C publication Critical patent/CA3087588C/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

Il est décrit une méthode, un dispositif et un système de transactions en ligne. La méthode comporte les étapes suivantes : un client génère des renseignements de commande daprès un article commandé par un acheteur, envoie les renseignements de commande à un serveur darticles, le client envoie une demande de délivrance de certificat de crédit bancaire à un serveur de la banque de lacheteur; le serveur de banque génère un certificat de crédit bancaire devant entrer en vigueur, bloque les fonds dans un compte dacheteur qui correspondent à un montant de la commande, actualise létat du certificat de crédit bancaire comme étant entré en vigueur, et envoie le certificat de crédit bancaire au serveur de la banque du vendeur; le serveur de la banque du vendeur envoie un avis de réception au serveur darticles; le serveur darticles envoie les renseignements de commande à un serveur intermédiaire de transaction; le serveur intermédiaire de transaction achemine les renseignements en fonction des modalités, et envoie un avis de réception au serveur de la banque du vendeur; après avoir reçu lavis de réception envoyée par le serveur de la banque du vendeur, le serveur de la banque de lacheteur transfère les fonds bloqués dans le compte de lacheteur vers un compte de vendeur du serveur de la banque du vendeur. La présente invention réduit le risque pour les fonds et accroît la sûreté des renseignements sur les transactions.
CA3087588A 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne Active CA3087588C (fr)

Priority Applications (1)

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

Applications Claiming Priority (3)

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
CA3087588A CA3087588C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA2993087A CA2993087C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
CA2993087A Division CA2993087C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne

Publications (2)

Publication Number Publication Date
CA3087588A1 CA3087588A1 (fr) 2017-01-26
CA3087588C true CA3087588C (fr) 2022-05-17

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 (4)

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

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
CA2993087C (fr) 2023-02-07
CA3087588A1 (fr) 2017-01-26
CA3154230A1 (fr) 2017-01-26

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