CN106886895A - Method, system and the capital management server of insurance are bought by electronic certificate - Google Patents

Method, system and the capital management server of insurance are bought by electronic certificate Download PDF

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Publication number
CN106886895A
CN106886895A CN201510928748.2A CN201510928748A CN106886895A CN 106886895 A CN106886895 A CN 106886895A CN 201510928748 A CN201510928748 A CN 201510928748A CN 106886895 A CN106886895 A CN 106886895A
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China
Prior art keywords
management server
capital management
electronic certificate
insurer
solution
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.)
Pending
Application number
CN201510928748.2A
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Chinese (zh)
Inventor
张毅
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.)
Shenzhen Cifpay Network Bank Technology Co Ltd
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Shenzhen Cifpay Network Bank Technology Co Ltd
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Priority to CN201510928748.2A priority Critical patent/CN106886895A/en
Publication of CN106886895A publication Critical patent/CN106886895A/en
Pending legal-status Critical Current

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance

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

Abstract

The present invention provides a kind of method, system and capital management server that insurance is bought by electronic certificate, wherein, the method includes:Step S1, the first capital management server according to request of opening L/C output insurer for buy the electronic certificate that insures, freeze equal with insurance premium fund or the accrediting amount in the account of insurer;Step S2, after the second capital management server is according to the receipts card that card instruction is within a specified time completed to electronic certificate is received, first capital management server pays information according to the application solution for receiving, judge whether that reaching solution pays condition, solution is paid into the insurance plan to the second capital management server if solution pair condition is reached, and electronic certificate failure is performed if application solves pair information if being not up to solution pair condition or not receiving.The present invention is bought by electronic certificate and insured, and is paid the bill in the way of electronic certificate pays, and the circulation of whole process fund occurs in bank, and fund need not be stored in third-party payment system, and payment more has safety and ensures.

Description

Method, system and the capital management server of insurance are bought by electronic certificate
Technical field
The present invention relates to e-commerce field, more particularly to a kind of method, system and capital management server that insurance is bought by electronic certificate.
Background technology
Growing with computer, network and modern communication technology, E-business applications have also gradually entered into huge numbers of families, as by a kind of one of mode of doing business familiar to people.Participation each side of the ecommerce using Internet platforms by conventional business in movable(Buyer, seller, logistics company, financial institution etc.)Link together, by by whole process of exchange networking, electronization, informationization, reducing the cost of transaction, improve trading efficiency.
But, in existing E-business applications, for example during shopping online, commercially available some insurances, including back freight danger, goods to not paid up insurance, cargo transport risk of breakage etc., aviation passenger accident insurance may be selected when and for example buying plane ticket, vehicle insurance may be selected after buying car, many kind of insurances such as after-sales service danger are selected after buying electronic product.But in this purchasing process, the mode of the main mode or Third-party payment for still relying on the direct payment by the transfer of accounts of traditional electronics of transmission of fund is completed, transaction form is excessively single, and Third-party payment platform there is also some risks, therefore also cannot completely ensure the safety of consumer network's transaction.
The content of the invention
The technical problems to be solved by the invention are, there is provided a kind of method, system and capital management server that insurance is bought by electronic certificate, can effectively improve payment safety.
In order to solve the above-mentioned technical problem, the present invention provides a kind of method that insurance is bought by electronic certificate, including:
Step S1, the first capital management server according to request of opening L/C output insurer for buy the electronic certificate that insures, freeze equal with insurance premium fund or the accrediting amount in the account of insurer;
Step S2, after the second capital management server is according to the receipts card that card instruction is within a specified time completed to the electronic certificate is received, first capital management server pays information according to the application solution for receiving, judge whether that reaching solution pays condition, solution is paid into the insurance plan to the second capital management server if solution pair condition is reached, and the electronic certificate failure is performed if application solves pair information if being not up to solution pair condition or not receiving.
Wherein, the request of opening L/C directly is sent to the first capital management server from insurer, or insurer sends according to the request of the insurer to the first capital management server.
Wherein, also included before the step S3:
Judge whether to receive the information return and buy insurance, if then performing the electronic certificate failure, if otherwise performing step S3.
Wherein, the execution electronic certificate failure specifically refers to electronic certificate will be returned to the first capital management server by the second capital management server.
Wherein, it refers to that insurer that the first capital management server will the freeze fund equal with insurance premium turns to pay the second capital management server that the first capital management server solution pays into the insurance plan to the second capital management server, or the fund turn of the corresponding amount of money of the insurer that will the freeze accrediting amount equal with insurance premium pays the second capital management server.
The present invention also provides a kind of system that insurance is bought by electronic certificate, including:
First capital management server, for according to request of opening L/C output insurer for buy the electronic certificate that insures, freeze equal with insurance premium fund or the accrediting amount in the account of insurer;The application solution pair information that basis is received is additionally operable to, judges whether to reach a solution pair condition, solution is paid into the insurance plan to the second capital management server if solution pair condition is reached, and electronic certificate failure is performed if application solves pair information if being not up to solution pair condition or not receiving;And
Second capital management server, within a specified time completing the receipts card to the electronic certificate according to receipts card instruction.
Wherein, the request of opening L/C directly is sent to the first capital management server from insurer, or insurer sends according to the request of the insurer to the first capital management server.
Wherein, the first capital management server is additionally operable to judge whether to receive the information return and buy insurance, if then performing the electronic certificate failure.
Wherein, the first capital management server performs the electronic certificate failure and specifically refers to return electronic certificate from the second capital management server.
Wherein, it refers to that insurer that the first capital management server will the freeze fund equal with insurance premium turns to pay the second capital management server that the first capital management server solution pays into the insurance plan to the second capital management server, or the fund turn of the corresponding amount of money of the insurer that will the freeze accrediting amount equal with insurance premium pays the second capital management server.
The present invention also provides a kind of capital management server, its be used for according to request of opening L/C output insurer for buy the electronic certificate that insures, freeze equal with insurance premium fund or the accrediting amount in the account of insurer;It is additionally operable to after the second capital management server is according to the receipts card that card instruction is within a specified time completed to the electronic certificate is received, information is paid according to the application solution for receiving, judge whether that reaching solution pays condition, solution is paid into the insurance plan to the second capital management server if solution pair condition is reached, and electronic certificate failure is performed if application solves pair information if being not up to solution pair condition or not receiving.
The beneficial effect of the embodiment of the present invention is to be bought by electronic certificate and insured, and is paid the bill in the way of electronic certificate pays, and the circulation of whole process fund occurs in bank, and fund need not be stored in third-party payment system, and payment more has safety and ensures.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, the accompanying drawing to be used needed for embodiment or description of the prior art will be briefly described below, apparently, drawings in the following description are only some embodiments of the present invention, for those of ordinary skill in the art, on the premise of not paying creative work, other accompanying drawings can also be obtained according to these accompanying drawings.
Fig. 1 is the schematic flow sheet of the method that the embodiment of the present invention one buys insurance by electronic certificate.
Fig. 2 is another schematic flow sheet of the method that the embodiment of the present invention one buys insurance by electronic certificate.
Fig. 3 is that the embodiment of the present invention one is applied to purchase back freight danger by the method that electronic certificate buys insurance(Seller), goods to not paid up insurance and the schematic flow sheet of cargo transport risk of breakage.
Fig. 4 is the structural representation of the system that the embodiment of the present invention 21 buys insurance by electronic certificate.
Specific embodiment
The explanation of following embodiment is refer to the attached drawing, and to example, the present invention can be used to the specific embodiment implemented.
Electronic certificate in the embodiment of the present invention(Alternatively referred to as silver letter is demonstrate,proved)It is a kind of electronics acceptance and guarantee voucher, it demonstrate,proves central principle according to external credit, the advantage of many financial products such as cashier's check, letter of guarantee, bank acceptance, electronic credit card is gathered, in conjunction with internet science and technology, the brand-new financial instrument of internet economy Times ' Demand is adapted to and met completely, possesses cross-platform, cross-bank, full field, the broad applicability of whole scene application.Specifically, the electronic certificate refers to opener(Buyer)With its bank account capital or the accrediting amount(Credit card amount or loan limit)Opened as guarantee, Bank promise pays the electronic credit voucher that condition handles receipt and payment clearing according to solution.The electronic certificate downloads cashier access interface primarily directed to the product of buyer by seller, completes the opening L/C of silver letter card, seller by buyer and complete receipts to demonstrate,prove and honouring an agreement, apply for that solution is paid, and silver letter card solution is paid a condition and reaches then automatic solution pair.
The present invention is bought by electronic certificate and insured, and is paid the bill in the way of electronic certificate pays, and first freezes the insurance premium of insurer's bank account, the time point that insurance contract specifies is arrived, if without moving back dangerous situation condition, will insure it is obscure pay the insurer, as moved back danger if electronic certificate is returned into insurer.The circulation of whole process fund occurs in bank, and fund need not be stored in third-party payment system, and payment more has safety and ensures.
Refer to shown in Fig. 1, the embodiment of the present invention one provides a kind of method that insurance is bought by electronic certificate, including:
Step S1, the first capital management server according to request of opening L/C output insurer for buy the electronic certificate that insures, freeze equal with insurance premium fund or the accrediting amount in the account of insurer;
Step S2, after the second capital management server is according to the receipts card that card instruction is within a specified time completed to the electronic certificate is received, first capital management server pays information according to the application solution for receiving, judge whether that reaching solution pays condition, solution is paid into the insurance plan to the second capital management server if solution pair condition is reached, and the electronic certificate failure is performed if application solves pair information if being not up to solution pair condition or not receiving.
Each step is specifically described below in conjunction with Fig. 2.
In the present embodiment, insurer need to such as buy insurance, for example, commodity selection current common back freight danger, goods to not paid up insurance, cargo transportation insurance, after-sales service danger, vehicle insurance, aviation accident insurance according to purchase etc., purchase request then will be sent to the insurer, by the insurer according to setting rule, the data calculated used by insurance premium are transferred(The return of goods rate of such as commodity, someone denial rate, maintenance record of car etc.)Calculate insurance premium.
In step S1, the artificial insurer of opening L/C of the electronic certificate, receipts witness is the insurer, and the first capital management server outputs electronic certificate, the amount of money equal with insurance premium freezed in the bank account of insurer or freezes insurer's accrediting amount equal with insurance premium after receiving request of opening L/C.During opening L/C, request of opening L/C directly is sent to the first capital management server from insurer, or insurer sends according to the request of the insurer to the first capital management server.In the present embodiment, insurer and the insurer are responsible for sending operational order, and the first capital management server completes to open L/C.
In step S2, different types of insurance has different solutions to pay condition, and for example back freight danger, the solution of goods to do not pay the bill danger and cargo transport risk of breakage are paid condition and be seller's delivery, and it can take a flight that the solution of aviation accident insurance pays condition(Depending on based on contract the specific time arrange), apply for that solution is paid information and can include the specifying information that solution pair condition is reached, such as Shipping Information, boarding information etc..If not up to solution pays condition, for example, the Shipping Information of commodity is not received in the electronic certificate term of validity, then perform electronic certificate failure.The situation that not receiving application solution pair information includes has:Insurer returns insurance or reimbursement before delivery.
Thus, also included before step S3:
Judge whether to receive the information return and buy insurance, if then performing the electronic certificate failure, if otherwise performing step S3.
Specifically, the execution electronic certificate failure specifically refers to electronic certificate will be returned to the first capital management server by the second capital management server.
Simultaneously, it refers to that insurer that the first capital management server will the freeze fund equal with insurance premium turns to pay the second capital management server that the first capital management server solution pays into the insurance plan to the second capital management server in step S2, or the fund turn of the corresponding amount of money of the insurer that will the freeze accrediting amount equal with insurance premium pays the second capital management server.
Referring now to shown in Fig. 3, being that a kind of method for buying insurance by electronic certificate of the present embodiment is applied into purchase back freight danger(Seller), goods to not paid up insurance and the schematic flow sheet of cargo transport risk of breakage.As described above, the solution of its electronic certificate pays condition for seller delivers, then the shipped information of seller that information is included is paid according to the application solution for obtaining in step s3, judgement reaches solution and pays condition, so that solution pays into the insurance plan.If seller is non-shipment, because not up to solution pays a condition, it is invalid to perform electronic certificate, and used as a kind of form of expression, the electronic certificate will be returned to the first capital management server by the second capital management server, and the fund be frozen or the accrediting amount will defrostings.It is understood that when the embodiment of the present invention is applied into purchase other types insurance, differring primarily in that solution pays the difference of condition, therefore no longer illustrate whole flow process respectively herein.
In the present embodiment, the basic procedure of the electronic certificate is as follows:
1st, after transaction body both sides form order, opener(That is insurer)To Opening Bank(First capital management server)Application for credit.Certainly, opener can formed specific trading order form when application for credit;Can be when trading order form not be formed yet, opener's folk prescription active application for credit.
2nd, after Opening Bank accepts, open electronic certificate and the electronic certificate record amount of money is done into corresponding reservation process in opener's fund account.Frozen capital or credit are generally understood as, the common form of credit is credit card amount or loan limit.It should be noted that credit of freezing herein is divided into two kinds of situations:Since credit is freezed, bank begins to figure interest one kind, that is, opener has used the accrediting amount;Another, then be that bank just starts to figure interest when receiving witness and receiving the accrediting amount corresponding amount of money, that is to say, that to receiving during card goes and receive fund when freezing credit from opener, it is believed that opener's " accrediting amount that never call bank gives ".
3rd, witness is received(That is the insurer)To recipient bank(Second capital management server)Card is received in application.
4th, card is received after recipient bank checking information is errorless.
5th, terms of trade of the witness according to corresponding to the solution of electronic certificate pays condition completion silver letter card are received, and entrusts recipient bank to be solved to Opening Bank's application and paid.
6th, Opening Bank by funds transfer to recipient bank, fund is transferred to receipts witness's account by recipient bank.
Correspondingly, refer to shown in Fig. 4, the embodiment of the present invention two provides a kind of system that insurance is bought by electronic certificate, including:
First capital management server, for according to request of opening L/C output insurer for buy the electronic certificate that insures, freeze equal with insurance premium fund or the accrediting amount in the account of insurer;The application solution pair information that basis is received is additionally operable to, judges whether to reach a solution pair condition, solution is paid into the insurance plan to the second capital management server if solution pair condition is reached, and electronic certificate failure is performed if application solves pair information if being not up to solution pair condition or not receiving;And
Second capital management server, within a specified time completing the receipts card to the electronic certificate according to receipts card instruction.
Similarly, in the present embodiment, request of opening L/C is sent by the insurer, or insurer sends according to the request of the insurer to the first capital management server.First capital management server is additionally operable to judge whether to receive the information return and buy insurance, if then performing the electronic certificate failure.First capital management server performs the electronic certificate failure and specifically refers to return electronic certificate from the second capital management server.
Correspondingly, the embodiment of the present invention three provides a kind of capital management server, its be used for according to request of opening L/C output insurer for buy the electronic certificate that insures, freeze equal with insurance premium fund or the accrediting amount in the account of insurer;It is additionally operable to after the second capital management server is according to the receipts card that card instruction is within a specified time completed to the electronic certificate is received, information is paid according to the application solution for receiving, judge whether that reaching solution pays condition, solution is paid into the insurance plan to the second capital management server if solution pair condition is reached, and electronic certificate failure is performed if application solves pair information if being not up to solution pair condition or not receiving.
Operation principle about embodiment two, three and the beneficial effect brought refer to the explanation of the embodiment of the present invention one, and here is omitted.
Above disclosed is only present pre-ferred embodiments, can not limit the interest field of the present invention with this certainly, therefore the equivalent variations made according to the claims in the present invention, still belongs to the scope that the present invention is covered.

Claims (11)

1. it is a kind of that the method insured is bought by electronic certificate, including:
Step S1, the first capital management server according to request of opening L/C output insurer for buy the electronic certificate that insures, freeze equal with insurance premium fund or the accrediting amount in the account of insurer;
Step S2, after the second capital management server is according to the receipts card that card instruction is within a specified time completed to the electronic certificate is received, first capital management server pays information according to the application solution for receiving, judge whether that reaching solution pays condition, solution is paid into the insurance plan to the second capital management server if solution pair condition is reached, and the electronic certificate failure is performed if application solves pair information if being not up to solution pair condition or not receiving.
2. method according to claim 1, it is characterised in that the request of opening L/C directly is sent to the first capital management server from insurer, or insurer sends according to the request of the insurer to the first capital management server.
3. method according to claim 1, it is characterised in that also included before the step S3:
Judge whether to receive the information return and buy insurance, if then performing the electronic certificate failure, if otherwise performing step S3.
4. the method according to claim 1 or 3, it is characterised in that performing the electronic certificate failure and specifically refer to electronic certificate will be returned to the first capital management server by the second capital management server.
5. method according to claim 1, it is characterized in that, it refers to that insurer that the first capital management server will the freeze fund equal with insurance premium turns to pay the second capital management server that the first capital management server solution pays into the insurance plan to the second capital management server, or the fund turn of the corresponding amount of money of the insurer that will the freeze accrediting amount equal with insurance premium pays the second capital management server.
6. it is a kind of that the system insured is bought by electronic certificate, it is characterised in that including:
First capital management server, for according to request of opening L/C output insurer for buy the electronic certificate that insures, freeze equal with insurance premium fund or the accrediting amount in the account of insurer;The application solution pair information that basis is received is additionally operable to, judges whether to reach a solution pair condition, solution is paid into the insurance plan to the second capital management server if solution pair condition is reached, and electronic certificate failure is performed if application solves pair information if being not up to solution pair condition or not receiving;And
Second capital management server, within a specified time completing the receipts card to the electronic certificate according to receipts card instruction.
7. system according to claim 6, it is characterised in that the request of opening L/C directly is sent to the first capital management server from insurer, or insurer sends according to the request of the insurer to the first capital management server.
8. method according to claim 6, it is characterised in that the first capital management server is additionally operable to judge whether to receive the information return and buy insurance, if then performing the electronic certificate failure.
9. the method according to claim 6 or 8, it is characterised in that the first capital management server performs the electronic certificate failure and specifically refers to return electronic certificate from the second capital management server.
10. method according to claim 6, it is characterized in that, it refers to that insurer that the first capital management server will the freeze fund equal with insurance premium turns to pay the second capital management server that the first capital management server solution pays into the insurance plan to the second capital management server, or the fund turn of the corresponding amount of money of the insurer that will the freeze accrediting amount equal with insurance premium pays the second capital management server.
A kind of 11. capital management servers, it is characterised in that its be used for according to request of opening L/C output insurer for buy the electronic certificate that insures, freeze equal with insurance premium fund or the accrediting amount in the account of insurer;It is additionally operable to after the second capital management server is according to the receipts card that card instruction is within a specified time completed to the electronic certificate is received, information is paid according to the application solution for receiving, judge whether that reaching solution pays condition, solution is paid into the insurance plan to the second capital management server if solution pair condition is reached, and electronic certificate failure is performed if application solves pair information if being not up to solution pair condition or not receiving.
CN201510928748.2A 2015-12-15 2015-12-15 Method, system and the capital management server of insurance are bought by electronic certificate Pending CN106886895A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CN201510928748.2A CN106886895A (en) 2015-12-15 2015-12-15 Method, system and the capital management server of insurance are bought by electronic certificate

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CN201510928748.2A CN106886895A (en) 2015-12-15 2015-12-15 Method, system and the capital management server of insurance are bought by electronic certificate

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CN106886895A true CN106886895A (en) 2017-06-23

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111784476A (en) * 2020-07-06 2020-10-16 支付宝(杭州)信息技术有限公司 Contract processing method and device
WO2021047364A1 (en) * 2019-09-09 2021-03-18 赵汕可 Pledge-payable online transaction system and method

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2021047364A1 (en) * 2019-09-09 2021-03-18 赵汕可 Pledge-payable online transaction system and method
GB2603406A (en) * 2019-09-09 2022-08-03 Zhao Shanke Pledge-payable online transaction system and method
CN111784476A (en) * 2020-07-06 2020-10-16 支付宝(杭州)信息技术有限公司 Contract processing method and device
CN111784476B (en) * 2020-07-06 2022-11-01 支付宝(杭州)信息技术有限公司 Contract processing method and device

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Application publication date: 20170623

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