CA3177680C - 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
CA3177680C
CA3177680C CA3177680A CA3177680A CA3177680C CA 3177680 C CA3177680 C CA 3177680C CA 3177680 A CA3177680 A CA 3177680A CA 3177680 A CA3177680 A CA 3177680A CA 3177680 C CA3177680 C CA 3177680C
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CA
Canada
Prior art keywords
data
server
bank
seller
buyer
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
CA3177680A
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English (en)
Other versions
CA3177680A1 (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 CA3177680A priority Critical patent/CA3177680C/fr
Publication of CA3177680A1 publication Critical patent/CA3177680A1/fr
Application granted granted Critical
Publication of CA3177680C publication Critical patent/CA3177680C/fr
Active legal-status Critical Current
Anticipated expiration legal-status Critical

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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
    • G06Q20/38—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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q20/38—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
    • G06Q20/403—Solvency checks

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Hardware Redundancy (AREA)
  • Debugging And Monitoring (AREA)

Abstract

Il est décrit une méthode, un dispositif et un système de transactions en ligne. La méthode comporte les étapes suivantes : un serveur darticles envoie une demande de délivrance de certificat de crédit bancaire à un serveur de la banque du vendeur selon les renseignements de la commande; le serveur de la banque du vendeur génère un certificat de crédit bancaire devant entrer en vigueur, puis envoie le certificat en question à un serveur de la banque de lacheteur; le serveur de la banque de lacheteur vérifie les renseignements de vérification de paiement de lacheteur obtenus par un client, puis, une fois la vérification effectuée, 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 de lacheteur; 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.
CA3177680A 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne Active CA3177680C (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA3177680A CA3177680C (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
CA3123658A CA3123658C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3177680A CA3177680C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
PCT/CN2015/084664 WO2017012066A1 (fr) 2015-07-21 2015-07-21 Procédé, dispositif et système de transaction en ligne

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
CA3123658A Division CA3123658C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne

Publications (2)

Publication Number Publication Date
CA3177680A1 CA3177680A1 (fr) 2017-01-26
CA3177680C true CA3177680C (fr) 2023-09-26

Family

ID=57835077

Family Applications (4)

Application Number Title Priority Date Filing Date
CA3123658A Active CA3123658C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3115627A Active CA3115627C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA2993090A Active CA2993090C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3177680A Active CA3177680C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne

Family Applications Before (3)

Application Number Title Priority Date Filing Date
CA3123658A Active CA3123658C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA3115627A Active CA3115627C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne
CA2993090A Active CA2993090C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transaction en ligne

Country Status (2)

Country Link
CA (4) CA3123658C (fr)
WO (1) WO2017012066A1 (fr)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111914264A (zh) * 2019-05-08 2020-11-10 华控清交信息科技(北京)有限公司 索引创建方法及装置、数据验证方法及装置
CN115080996B (zh) * 2022-06-01 2025-11-21 北京溪塔科技有限公司 一种基于区块链的电池梯次利用方法和系统
CN115511477A (zh) * 2022-09-16 2022-12-23 北京吉利学院 一种基于手机银行与手指指纹组合的支付方法

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2014146228A1 (fr) * 2013-03-18 2014-09-25 深圳市银信网银科技有限公司 Procédé et système de paiement au moyen d'un réseau
US20150262179A1 (en) * 2013-03-18 2015-09-17 Shenzhen Cifpay Network Bank Technology Co., Ltd Paying method and system by using network
CN103778536A (zh) * 2014-02-25 2014-05-07 上海农村商业银行股份有限公司 转账交易的实现方法及系统

Also Published As

Publication number Publication date
CA2993090A1 (fr) 2017-01-26
CA3115627C (fr) 2022-06-14
CA2993090C (fr) 2022-06-21
CA3115627A1 (fr) 2017-01-26
CA3123658A1 (fr) 2017-01-26
CA3123658C (fr) 2023-01-10
CA3177680A1 (fr) 2017-01-26
WO2017012066A1 (fr) 2017-01-26

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