CN101004810A - Electric tickets method and system based on network - Google Patents
Electric tickets method and system based on network Download PDFInfo
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- CN101004810A CN101004810A CNA2006101561121A CN200610156112A CN101004810A CN 101004810 A CN101004810 A CN 101004810A CN A2006101561121 A CNA2006101561121 A CN A2006101561121A CN 200610156112 A CN200610156112 A CN 200610156112A CN 101004810 A CN101004810 A CN 101004810A
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Abstract
A paying method of electronic bill based on network includes storing multiple bill for payment purpose and user data of these electronic bills; generating electronic bills corresponding to stored bills for payment purpose; forming said electronic bill by a mount of money, bill period, signature person and bill right transfer information being used as unique information to be logged in by user; logging in bill right transfer information by paying party and making said transfer information be corresponded to user data on electronic bill of paid party.
Description
Technical field
The present invention relates to network payment technology, the electronic bill technology during particularly network is paid is a kind of based on network electric tickets method and system concretely.
Background technology
Bill plays a part very important in economic activity as important payment and means of account settlement between bank and bank, bank and enterprise, enterprise and the enterprise; The development of bill market has been brought into play vital role at aspects such as widening Corporate finance channel, adjustment bank portfolio structure, conduction monetary policy, propelling adjust interest rates on the basis of market forces process; But the capital construction of existing bill market and the using method of bill relatively lag behind, and cause bank and enterprise to fail to give full play to the effect of bill thus in economic activity.
At present, the the signing and issuing, honour of commercial draft adopted formula of bill in kind, it circulates, transfers the possession of, inquires about, looks into the individual manual modes to individuality of link use such as multiple, mainly be to pass through manual bill during operation, promptly make out an invoice at the front of papery nominal value Hand writing, the back side Hand writing endorsement of papery nominal value, with this as unique authority; Traditional inquiry modes such as inquiry adopts phone, telegram, fax, call are reported the loss formality and are adopted manual report the loss and time-delay is reported the loss; The manual mode of this employing is paid by paper-bill and there is following problem in clearing: (one) paper-bill true and false difficulty is debated, and is faced with false tickets, clone's ticket equivalent risk; (2) inquiry means backwardness can not be examined bearer's legitimacy, and inquiry cost height, efficient are low; (3) not connected between each bank, fight separately and set up the bill center of oneself, it is serious to form duplicate construction thus; (4) bill disperses, and can not form concentrated, unified bill market, can't implement delivery method to each link of bill; (5) transaction cost height, trading efficiency is low.Main performance is: bill business in kind is accepted bill side and need be inquired about on the spot papers.The circulation of bill in kind and keeping risk control cost are higher.The colletion on bill link is many, and the recovery of the capital cycle is difficult to guarantee etc.; (6) keeping, transportation cost height.Easy loss of bill in kind or damage, bill are easily looted and may be jeopardized the person's personal safety of taking the ticket, handle that formality is loaded down with trivial details, circulation cost is high.
In order to solve the defective of above-mentioned available technology adopting bill made of paper, Chinese patent application 200510098301.1 discloses a kind of electronic bill and eCheck management, conversion, has bought and sold the system and method for intermediary, and electronic bill or check are issued, transferred the possession of to this patented claim by the electronic bill or the ticket management system that are connected with bank server between a plurality of users.Yet the electronic bill that the method and system of this patented claim is issued or the important informations such as the amount of money of check can hacks, and such modification make troubles for the supervision of electronic bill.And these method and system make up complicated, and delivery steps is loaded down with trivial details, bring inconvenience for the application of electronic bill.
Summary of the invention
The invention provides a kind of based on network electric tickets method and system, in order to solving the inconvenience and the defective of bill made of paper in the prior art, and really realize the payment of electronic bill by simple system architecture and delivery steps.
One of purpose of the present invention is, a kind of based on network electric tickets method is provided, and said method comprising the steps of: the data storage step, multiple payment and settlement is stored with valuable bills data and a plurality of electronic bill user data of users; Electronic bill generates step, generate and at least a described payment and settlement corresponding electronic bill of valuable bills, comprise the electronic bill amount of money, electronic bill time limit, electronic bill signed by and electronic bill right transinformation on the electronic bill of generation at least; Described electronic bill right transinformation is that described electronic bill generates the unique information by electronic bill user typing in back; The electronic bill delivery steps is carried out typing to described electronic bill right transinformation, and the electronic bill right transinformation of typing is with corresponding by payment side's electronic bill user data of users.
Described method also comprises: electronic bill state recording step, carry out record according to the purposes generation electronic bill status information of described electronic bill and to this electronic bill status information; The purposes of described electronic bill is meant: electronic bill is pledged, electronic bill is discounted or purposes such as electronic bill endorsement.
Described electronic bill delivery steps also comprises: described electronic bill is shown; Wherein said electronic bill right transinformation comprises: electronic bill numbering, payment side's electronic bill user profile, the quilt side's of payment electronic bill user profile and electronic bill right shift the date; The read-only demonstration electronic bill amount of money, electronic bill time limit, electronic bill signed by, electronic bill numbering and the side's of payment electronic bill user profile and electronic bill right typing transfer time frame; Editable demonstration is by payment side's electronic bill user profile typing frame.
Described electronic bill user data of users comprises: subscriber identity information and account No., and this identity information comprises user name at least; Described payment side electronic bill user profile comprises payment side electronic bill user's user name, is describedly comprised by payment side electronic bill user's user name by payment side's electronic bill user profile.
Described data storage step also comprises: generate corresponding operating right according to described subscriber identity information, and the mapping relations of subscriber identity information and operating right are stored.
Described method also comprises: electronic bill user identity identification step, the mapping relations of described subscriber identity information, operating right and subscriber identity information and operating right are outputed in the readable storage medium storing program for executing, judge the legitimacy of electronic bill user identity by reading subscriber identity information in the described readable storage medium storing program for executing, the operating right of the mapping relations judgement electronic bill user identity by reading operating right in the described readable storage medium storing program for executing and subscriber identity information and operating right.
Described readable storage medium storing program for executing is meant IC-card; Described operating right comprises: pay authority, check authority and search access right; Described IC-card comprises: electronic bill delivery operation card, electronic bill are paid and are checked card and electronic bill payment inquirying card; Wherein, adopt the IC-card card-reading apparatus that the data in the described electronic bill delivery operation card are read and identification, only allow the user of legal identity to pay the operation of authority; Adopt the IC-card card-reading apparatus that described electronic bill is paid the data of checking in the card and read and identification, the operation that only allows the user of legal identity to check authority; The data that adopt the IC-card card-reading apparatus that described electronic bill is paid in the inquirying card read and identification, only allow the user of legal identity to carry out the operation of search access right.
Another object of the present invention is, a kind of based on network electronic billing system is provided, and described system comprises: data storage device is used to store multiple payment and settlement with valuable bills data and a plurality of electronic bill user data of users; The electronic bill generating apparatus, be used for generating and at least a described payment and settlement corresponding electronic bill of valuable bills, comprise the electronic bill amount of money, electronic bill time limit, electronic bill signed by and electronic bill right transinformation on the electronic bill of generation at least; The electronic bill delivery installation is used for read-only the demonstration electronic bill amount of money, electronic bill time limit, electronic bill signed by, editable demonstration electronic bill right transinformation typing frame; Wherein said electronic bill right transinformation is that described electronic bill generates the unique information by electronic bill user typing in back, described electronic bill right transinformation is carried out typing, and the electronic bill right transinformation of typing is with corresponding by payment side's electronic bill user data of users.
Described system also comprises: electronic bill state recording device, carry out record according to the purposes generation electronic bill status information of described electronic bill and to this electronic bill status information; The purposes of described electronic bill is meant: electronic bill is pledged, electronic bill is discounted or purposes such as electronic bill account transfer.
Described electronic bill delivery installation also comprises: the electronic bill display unit is used for electronic bill information such as the read-only demonstration electronic bill amount of money, electronic bill time limit, electronic bill signed by; Electronic bill typing unit carries out typing to described electronic bill right transinformation.
Described electronic bill right transinformation comprises: electronic bill numbering, payment side's electronic bill user profile, the quilt side's of payment electronic bill user profile and electronic bill right shift the date; Described electronic bill typing unit further comprises: read-only display box is used for read-only demonstration electronic bill numbering and the side's of payment electronic bill user profile and electronic bill right transfer time; Electronic bill user profile typing frame is used for typing by the side's of payment electronic bill user profile.
Described electronic bill user data of users comprises: subscriber identity information and account No., and this identity information comprises user name at least; Described data storage device also comprises: the operating right map unit is used for generating corresponding operating right according to described subscriber identity information, and the mapping relations of subscriber identity information and operating right is stored.
Described system also comprises: the user identity identification device is used to discern user identity; This user identity identification device comprises: readable storage medium storing program for executing, the mapping relations that are used to store described subscriber identity information, operating right and subscriber identity information and operating right; Reading unit, the subscriber identity information that is used for reading described readable storage medium storing program for executing is judged the legitimacy of electronic bill user identity, and reads the operating right of the mapping relations judgement electronic bill user identity of operating right in the described readable storage medium storing program for executing and subscriber identity information and operating right.
Described readable storage medium storing program for executing is meant IC-card; Described operating right comprises: pay authority, check authority and search access right; Described IC-card comprises: electronic bill delivery operation card, electronic bill are paid and are checked card and electronic bill payment inquirying card; Wherein, adopt the IC-card card-reading apparatus that the data in the described electronic bill delivery operation card are read and identification, only allow the user of legal identity to pay the operation of authority; Adopt the IC-card card-reading apparatus that described electronic bill is paid the data of checking in the card and read and identification, the operation that only allows the user of legal identity to check authority; The data that adopt the IC-card card-reading apparatus that described electronic bill is paid in the inquirying card read and identification, only allow the user of legal identity to carry out the operation of search access right.
Described readable storage medium storing program for executing comprises: IC-card, USB flash disk or mobile communication terminal.
Another purpose of the present invention is, a kind of based on network electronic billing system is provided, described system comprises: electronic bill Operation Server and electronic bill database, user terminal, and described user terminal links by network and described electronic bill Operation Server; Described electronic bill database and described electronic bill Operation Server link, and are used to store multiple payment and settlement valuable bills data and electronic bill user data of users; Described electronic bill Operation Server comprises: the electronic bill generating apparatus, be used for generating and at least a described payment and settlement corresponding electronic bill of valuable bills, comprise the electronic bill amount of money, electronic bill time limit, electronic bill signed by and electronic bill right transinformation on the electronic bill of generation at least; The electronic bill delivery installation is used for the demonstration electronic bill amount of money, electronic bill time limit, electronic bill signed by read-only on described user terminal, editable demonstration electronic bill right transinformation typing frame; Electronic bill state recording device carries out record according to the purposes generation electronic bill status information of described electronic bill and to this electronic bill status information; The purposes of described electronic bill is meant: electronic bill is pledged, electronic bill is discounted or purposes such as electronic bill account transfer; Wherein said electronic bill right transinformation is that described electronic bill generates the unique information by electronic bill user typing in back, described electronic bill right transinformation is carried out typing, and the electronic bill right transinformation of typing is with corresponding by payment side's electronic bill user data of users.
Described user terminal comprises: banking terminal and enterprise terminal, described banking terminal links by financial private network and described electronic bill Operation Server, and described enterprise terminal links by dial telephone net and described electronic bill Operation Server; Described electronic bill right transinformation comprises: electronic bill numbering, payment side's electronic bill user profile, the quilt side's of payment electronic bill user profile and electronic bill right shift the date; Described banking terminal and enterprise terminal have electronic bill typing unit, and this electronic bill typing unit comprises: read-only display box is used for read-only demonstration electronic bill numbering and the side's of payment electronic bill user profile and electronic bill right transfer time; Electronic bill user profile typing frame is used for typing by the side's of payment electronic bill user profile.
Described system also comprises, user register unit is obtained the electronic bill user data of users and the user data that obtains is deposited in the described electronic bill database; Described user data comprises: subscriber identity information and account No., and this identity information comprises user name at least; Described user register unit also comprises: the operating right map unit is used for generating corresponding operating right according to described subscriber identity information, and the mapping relations of subscriber identity information and operating right is stored.
Described system also comprises: the user identity identification device is used to discern user identity; This user identity identification device comprises: readable storage medium storing program for executing, the mapping relations that are used to store described subscriber identity information, operating right and subscriber identity information and operating right; Reading unit, be connected with user terminal, the subscriber identity information that is used for reading described readable storage medium storing program for executing is judged the legitimacy of electronic bill user identity, and reads the operating right of the mapping relations judgement electronic bill user identity of operating right in the described readable storage medium storing program for executing and subscriber identity information and operating right.
Beneficial effect of the present invention is: by a kind of based on network electric tickets method and system are provided, feasible operation by the issue of bill people produces with no paper electronic bill, the electronic data information of the general data of this electronic bill for changing, it has put down in writing most important key element of all bills and relevant information.In circulation process thereafter, the constant information of this electronic bill can not be modified from start to finish, and the focal pointe's who just holds this bill who changes coded message and the state of this bill in the circulation process.And above-mentioned all changes are write down whole process and must not be revised.
Described electronic bill is a destination object with the valuable bills that banker's acceptance bill, commercial acceptance, banker's bill etc. are used for payment and settlement, use the mechanism of above-mentioned valuable bills and a people to be the user with all, with the network is data transmission and mutual approach, with electronic identity identification card and card reader is user's identification, but limit user's operation service with the authority that the user is awarded, thereby:
1) the present invention increases a trade variety for the interbank open market, and formed thus price mechanism can make bank's utilization market mechanism regulate " rediscount interest rate ".
2) the present invention can fundamentally stop " false tickets ", " clone's ticket ", " robber's ticket ", " mistake ticket " circulation on market, and what solved that the front man of bank faces at work is difficult to judge papers and the unmoral risk and the moral hazard that occur.
3), thereby better prevent frequent " changing ticket " this means of crime that occurs in the bill circulation because the right that forms after the designated registration of electronic bill that the present invention generates locking makes the importance of paper-bill itself and authority be lowered.
4) because uniqueness of the present invention and real-time can be inquired about the handler of bank and enterprise in real time, and no longer need the official in charge to come and go inquiry on the spot, can reduce bank's operating cost and significantly improve work efficiency.
5) electronic bill of the present invention is promptly concentrated registration in signing and issuing, and makes all issuance of a notes can be monitored from the source and obtain following the tracks of the circulation process.
6) the with no paper design of bill of the present invention make bill transaction, transport, shift and all possess quite high security, and convenience, thus make bank clerk need not to carry large bill.
7) the present invention is convenient to electronic bill is added up, thereby can understand important statistics of finances data such as national currency handling capacity, the acceptance of checks amount of money fully, in real time, become thus bank the most directly, the most effective one of information source, and provide important evidence for formulating the regulation and control of macroscopical Finance policy and macroscopical Finance.
8) customer group of the present invention is contained the bank outlets that all possess qualification of making out an invoice and discount qualification, and the enterprise that has the bulk note transaction, can give full play to the means of payment effect of bill, promotes the further perfect of financial operating mechanism.
9) can realize the cross-region networking of electronic bill information after the present invention is come into operation, and powerful real-time statistics monitor function can be provided.Whole act of bill of being taken place in the section at any time of enterprise arbitrarily in can inquiry system comprise important informations such as the amount of money, corresponding unit, time, bill type.Help regulator such as bank that single object and a plurality of object are carried out the real-time and effective monitoring, and can carry out early warning and grading automatical warning to the circulation of wholesale fund, thereby become the important tool of propelling " anti money washing " work according to concrete setting of actual conditions.
10) expanded function that has of the present invention also can realize the networking with functional departments such as the taxes.
Description of drawings
Fig. 1 is the structured flowchart of electronic billing system of the present invention;
Fig. 2 is the business relations synoptic diagram between bank, the enterprise;
Fig. 3 is the structured flowchart of system embodiment of the present invention;
Fig. 4 is the annexation synoptic diagram of system embodiment of the present invention;
Fig. 5 is the functional block diagram of electronic billing system embodiment of the present invention;
Fig. 6 is an electronic billing system client enrollment of the present invention interface synoptic diagram;
Fig. 7 a is the trade acceptance electronics draft of the present invention interface synoptic diagram of drawing a bill;
Fig. 7 b is the trade acceptance electronics draft of the present invention process flow diagram of drawing a bill;
Fig. 7 c is the banker's acceptance electronics draft of the present invention process flow diagram of drawing a bill;
Fig. 8 a is that the acceptance bill and the right of user terminal displays shifts the input interface synoptic diagram;
Fig. 8 b is a trade acceptance electronics endorsement of BL process flow diagram of the present invention;
Fig. 9 is a trade acceptance electronics discount of bill of the present invention interface synoptic diagram.
Embodiment
Below in conjunction with description of drawings the specific embodiment of the present invention.As shown in Figure 1, the invention provides a kind of based on network electronic billing system, described system operates in the electronic bill Operation Server, this electronic bill Operation Server comprises: data storage cell is used to store multiple payment and settlement valuable bills data and a plurality of electronic bill user data of users; The electronic bill generation unit, be used for generating and at least a described payment and settlement corresponding electronic bill of valuable bills, comprise the electronic bill amount of money, electronic bill time limit, electronic bill signed by and electronic bill right transinformation on the electronic bill of generation at least; Electronic bill is paid the unit, is used for read-only the demonstration electronic bill amount of money, electronic bill time limit, electronic bill signed by, editable demonstration electronic bill right transinformation typing frame; Wherein said electronic bill right transinformation is that described electronic bill generates the unique information by electronic bill user typing in back, the side of payment electronic bill user carries out typing to described electronic bill right transinformation, and the electronic bill right transinformation of typing is with corresponding by payment side's electronic bill user data of users.
The electronic bill Operation Server also comprises: electronic bill state recording unit, carry out record according to the purposes generation electronic bill status information of described electronic bill and to this electronic bill status information; The purposes of described electronic bill is meant: electronic bill is pledged, electronic bill is discounted or purposes such as electronic bill account transfer.Described electronic bill delivery installation also comprises: the electronic bill display unit is used for electronic bill information such as the read-only demonstration electronic bill amount of money, electronic bill time limit, electronic bill signed by; Electronic bill typing unit carries out typing to described electronic bill right transinformation.Described electronic bill right transinformation comprises: electronic bill numbering, payment side's electronic bill user profile, the quilt side's of payment electronic bill user profile and electronic bill right shift the date; Described electronic bill typing unit further comprises: read-only display box is used for read-only demonstration electronic bill numbering and the side's of payment electronic bill user profile, electronic bill right transfer time; Electronic bill user profile typing frame is used for typing by the side's of payment electronic bill user profile.
The electronic bill Operation Server also comprises: user register unit is used for obtaining the electronic bill user data of users and deposits the user data that obtains in described electronic bill database; Described user data comprises: subscriber identity information and account No., and this identity information comprises user name at least; Described user register unit also comprises: the operating right map unit is used for generating corresponding operating right according to described subscriber identity information, and the mapping relations of subscriber identity information and operating right is stored.
The electronic bill Operation Server also comprises: the user identity identification unit is used to discern user identity; This user identity identification unit comprises: readable storage medium storing program for executing, the mapping relations that are used to store described subscriber identity information, operating right and subscriber identity information and operating right; Reading unit, the subscriber identity information that is used for reading described readable storage medium storing program for executing is judged the legitimacy of electronic bill user identity, and reads the operating right of the mapping relations judgement electronic bill user identity of operating right in the described readable storage medium storing program for executing and subscriber identity information and operating right.
Described readable storage medium storing program for executing is meant IC-card; Described operating right comprises: pay authority, check authority and search access right; Described IC-card comprises: electronic bill delivery operation card, electronic bill are paid and are checked card and electronic bill payment inquirying card; Wherein, adopt the IC-card card-reading apparatus that the data in the described electronic bill delivery operation card are read and identification, only allow the user of legal identity to pay the operation of authority; Adopt the IC-card card-reading apparatus that described electronic bill is paid the data of checking in the card and read and identification, the operation that only allows the user of legal identity to check authority; The data that adopt the IC-card card-reading apparatus that described electronic bill is paid in the inquirying card read and identification, only allow the user of legal identity to carry out the operation of search access right.Described readable storage medium storing program for executing comprises: IC-card, USB flash disk or mobile communication terminal.
Be that example describes now with bank-user and enterprise customer:
As shown in Figure 2, be the business relations between bank and interbank, bank and enterprise, banks wherein at different levels and each enterprise all can register and become the electronic bill of electronic bill operator user.
As shown in Figure 4, the electronic bill operator can be provided with two electronic bill servers, a server 401 for processing bank electronic bill data, and another is for handling the server 402 of enterprise's electronic bill data.Server 401 both can carry out exchanges data with server 402, can make data separate again, had guaranteed safety of data like this.Banking terminal 404 links by financial private network and server 401, and enterprise terminal 403 links by the dial mode and the server 402 of fixed-line phone network.And banking terminal 404 is connected with card reader 405, and enterprise terminal 403 also is connected with card reader.
As shown in Figure 3, server 401 corresponding bank electronic bill servers, server 402 corresponding enterprise electronic bill servers, these two electronic bill Operation Servers include:
1) user register unit is used for obtaining bank or enterprise customer's user data and deposits the user data that obtains in an electronic bill database; User data comprises: subscriber identity information such as user name, station address and user's financial information such as account No..The family registering unit also comprises: the operating right map unit is used for generating corresponding operating right according to described subscriber identity information, and the mapping relations of subscriber identity information and operating right is stored.Operating right comprises: pay authority, this authority can be carried out the delivery operation of electronic bill; Check authority, this authority can be carried out the operation of checking before the electronic bill actual handing over; Search access right, this authority can be inquired about the related data of electronic bill, as: electronic bill data such as the amount of money of electronic bill, right transfer, state.
2) user identity identification unit is carrying out the user when registering, and the electronic bill operator provides user identity identification equipment to bank-user and enterprise customer, and as IC-card and IC-card card reader, the IC-card card reader can communicate with user terminal and be connected.Wherein, the mapping relations of bank-user identity information and operating right are set up in the user identity identification unit of bank electronic bill server according to identity information, the operating right of the bank-user of banking business data library storage; The mapping relations of enterprise customer's identity information and operating right are set up in the user identity identification unit of enterprise's electronic bill server according to the enterprise customer's of business event database storing identity information, operating right.Identity information, operating right and mapping relations data thereof that then will be separately are deposited in separately the IC-card.The electronic bill operator can provide 3 IC-cards for each electronic bill user, both: pay card, check card and inquirying card.(is example with enterprise customer) is connected the IC-card card reader with enterprise customer's terminal when carrying out identification.If what the IC-card card reader read is to pay card, then the data of paying in the card are read and identification, only allow the user of legal identity and enterprise's electronic bill server to carry out alternately, carry out the operation of paying authority; If what the IC-card card reader read is to check card, then the data of checking in the card are read and identification, only allow the user of legal identity and enterprise's electronic bill server to carry out alternately, carry out the operation of checking authority; If what the IC-card card reader read is inquirying card, then the data in the inquirying card are read and identification, only allow the user of legal identity and enterprise's electronic bill server to carry out alternately, carry out the operation of search access right.Other embodiments of readable storage medium storing program for executing comprise in the present invention: USB flash disk or mobile communication terminal, if adopt USB flash disk or mobile communication terminal, then fetch equipment is a computing machine, and carries out data read by USB mouth or other communication interfaces, to carry out identification and authority recognition.
3) electronic bill generation unit, be used for generating and at least a described payment and settlement corresponding electronic bill of valuable bills, described multiple payment and settlement comprises whole commercial drafts with the valuable bills data, for example: banker's acceptance bill, commercial acceptance, banker's bill etc.Shown in Fig. 7 a, the electronic bill that generates is a banker's acceptance bill, and this banker's acceptance bill comprises: item number certificates such as the electronic bill amount of money, electronic bill time limit, electronic bill signed by, date of draft, check drawer's full name, paying bank full name, payee, accepting bank's stamped signature and electronic bill right transinformation; Wherein said electronic bill right transinformation generates the unique information by user's typing in back for this banker's acceptance bill, other item numbers just no longer change after according to self-generating, therefore this banker's acceptance bill has only changed electronic bill right transinformation after payment, and this change had both changed the obligee of this banker's acceptance bill.
4) electronic bill is paid the unit, and the IC-card card reader is connected with enterprise customer's terminal.Adopt this IC-card card reader to read and pay card,, assert that user identity is legal, permit this user and enterprise's electronic bill server and carry out alternately, carry out the operation of paying authority by the data of paying in the card are read and identification; Wherein, electronic bill payment unit and this user terminal are mutual, show banker's acceptance bill on the screen of this user terminal, concrete being shown as (shown in Fig. 7 a):
Show all constant data of this banker's acceptance bill on the user terminal screen, these data all can not be edited.Also show the read-only display box and the right transinformation typing frame of the right transinformation of this banker's acceptance bill on the user terminal screen; Read-only display box is used for read-only demonstration electronic bill numbering and the side's of payment user name; Right transinformation typing frame is used for typing by the side's of payment user name.
5) electronic bill state recording device carries out record according to the purposes generation electronic bill status information of described electronic bill and to this electronic bill status information; The purposes of described electronic bill is meant: electronic bill is pledged, electronic bill is discounted or purposes such as electronic bill endorsement.The electronic bill state recording is generated and stored automatically by server.When inquiry, can inquire the state recording of this electronic bill.
As shown in Figure 5, be an embodiment of system of the present invention, this embodiment system comprises service management unit, bank management unit, electronic bill unit, information management unit and System Management Unit 5 modules.Wherein, comprise above-mentioned user register unit in the service management unit, the electronic bill unit comprises above-mentioned electronic bill generation unit, electronic bill payment unit, electronic bill state recording unit.
After entering service management unit, further enter user register unit, explicit user register interface on registration terminal, as shown in Figure 6.In this user's register interface, need the user profile of typing to comprise: enterprise's numbering, enterprise name, company's type, legal representative, status of a legal person card number, registered capital, area number, unit address, organization mechanism code, basic account licence, basic bank of deposit, tax registration number, the qualification of making out an invoice, financial executive, telephone number, payment for goods card coding and operation license number.
After above-mentioned project typing finishes and confirms, generate a user record (shown in Fig. 6 the first half), and the user record that generates is stored.
After entering the electronic bill unit, can select to enter electronic bill generation unit, electronic bill payment unit, electronic bill state recording unit.
After entering the electronic bill generation unit, on user terminal, show the electronic bill interface of drawing a bill, shown in Fig. 7 a.Shown valuable bills is a banker's acceptance bill shown in Fig. 7 a, and the electronic bill of this banker's acceptance bill is stored in the database, is presented on the terminal when the user draws a bill.This e-bank acceptance bill needs the project of typing to comprise: date of draft, sequence number, ticket number, check drawer's full name, check drawer's account number, paying bank full name, the amount of money of drawing a bill, due date of bill, acceptance agreement numbering, payee's full name, payee's account number, payee bank of deposit, paying bank information and check signature.After above-mentioned every typing finished and confirms, this e-bank's acceptance bill generated, and embodying inventive point of the present invention is that this e-bank's acceptance bill generates the back, and (both, after date of draft), the contents of a project of above-mentioned typing no longer were modified.
Shown in Fig. 7 b, when enterprise need carry out when operation of drawing a bill of commercial acceptance, payment enterprise at first carries out safety certification according to identification step, carries out the operation of drawing a bill of commercial acceptance then, and its concrete steps are:
The record personnel of step 1, enterprise hold and pay the authentication of carrying out identity and operating right on the IC-card card reader that is stuck in the user terminal connection, behind the authentication success, and login system;
Step 2, all constant data of input commercial acceptance are as (shown in Fig. 7 a) such as check drawer's full name, check drawer's account number, paying bank full name, the amount of draft, due date of bill, payee's full name, payee's account number, payee bank of deposit and row number, check drawer's stamped signature and date of draft and date of acceptance, possessor's information on user terminal, and these data all can not be edited change again;
Step 3, when this bill is " guarantee discount commercial papers ", then need carry out bank's credit judges, judge whether to import the amount of money in bank line, as not judging for the common commercial acceptance bill does not then need bank's credit, if when Payment Amount exceeds the bank line scope of the enterprise that pays the bill, then return step 2;
Step 4, if step 3 in Payment Amount the payment enterprise the bank line scope in, then hold and check the authentication of carrying out identity and operating right on the IC-card card reader that is stuck in the user terminal connection by the auditor of payment enterprise, behind the authentication success, login system is checked the payment bill data, whether correctly verify, if, then do not return step 2;
Step 5, correct as if the bill for payment data of step 4 is then exported this trade acceptance electronics draft and (for example is printed on the paper) on a bearing medium as drawing a bill authority, and this authority only is used for uses such as finance book keeping operation or job record, does not represent right of negotiable instrument;
Step 6, these banker's acceptance electronics draft data are deposited in the trade acceptance electronics draft data of database by network, the bill data of trade acceptance electronics draft is except that possessor's information, and the bill data of other trade acceptance electronics drafts all saves as constant information and no longer change;
Step 7, the end of drawing a bill;
Gathering enterprise can be paid as financial voucher with the paper-bill of having printed by step 8, payment enterprise, also can adopt such as electronic media such as IC-cards as voucher;
Step 9, hold to check by the auditor of gathering enterprise and be stuck in the authentication of carrying out identity and operating right on the IC-card card reader that user terminal connects, the auditor of gathering enterprise confirms whether this bill is true, effective behind the authentication success, if then this bill is invalid ballots, will not receive ticket not;
Step 10, if step 9 confirms that the result is for being to confirm automatically that then possessor's information of this bill is the enterprise that collects money, and preserve in database that the enterprise that then collects money obtains whole rights of this bill.
Shown in Fig. 7 c, when commercial bank is an enterprise when opening banker's acceptance bill, concrete steps comprise:
The record personnel of step 1, bank hold and pay the authentication of carrying out identity and operating right on the IC-card card reader that is stuck in the connection of bank-user terminal, behind the authentication success, and login system;
Step 2, all constant data of input are as (shown in Fig. 7 a) such as check drawer's full name, check drawer's account number, paying bank full name, the amount of draft, due date of bill, payee's full name, payee's account number, payee bank of deposit and row number, check drawer's stamped signature and date of draft, accepting bank's stamped signature and date of acceptance, possessor's information on the bank-user terminal, and these data all can not be edited change;
Whether step 3, held to check by bank's auditor and be stuck in the authentication of carrying out identity and operating right on the IC-card card reader that user terminal connects, behind the authentication success, login system is checked bill data, verifies correctly, if deny, then returns step 2;
Step 4, correct as if the bill for payment data of step 3 is then exported this banker's acceptance electronics draft and (for example is printed on the paper) on a bearing medium as drawing a bill authority;
Step 5, hold to check by the auditor of gathering enterprise and be stuck in the authentication of carrying out identity and operating right on the IC-card card reader that user terminal connects, the auditor of gathering enterprise confirms whether this bill is true, effective behind the authentication success, if then this bill is invalid ballots, will not receive ticket not.If confirm that the result is for being to confirm automatically that then possessor's information of this bill is the enterprise that collects money, and preserve in database that then this gathering enterprise obtains whole rights of this bill;
Step 6, these banker's acceptance electronics draft data are deposited in the banker's acceptance electronics draft data of database by network, the bill data of banker's acceptance electronics draft is except that possessor's information, and the bill data of other banker's acceptance electronics drafts all saves as constant information and no longer change;
After entering electronic bill payment unit, on user terminal, show the electronic bill delivery interface, shown in Fig. 8 a.The content of typing (shown in Fig. 7 a) is identical when each contents of a project of the electronic bill shown in Fig. 8 a and its generation, and can't change when paying.Inventive point of the present invention is on the electronic bill interface shown in Fig. 8 a, only have one of endorsee can carry out typing, and this endorsee's project both right shifts the typing frame, and the user only needs to be entered into this typing frame by consignor's title can finish payment.Certainly, must be one of registered user of system of the present invention by the consignor.Therefore, when the typing of endorsee's project of Fig. 8 a, can in advance registered user's title be stored, when the typing endorsee, can select " enterprise " in left side, point out enterprise name tabulation then, user and from tabulation, select the endorsee to carry out typing.
When carrying out endorsement of BL between enterprise and the enterprise, shown in Fig. 8 b, concrete steps comprise:
The record personnel of step 1, the enterprise that takes ticket hold and pay the authentication of carrying out identity and operating right on the IC-card card reader that is stuck in the connection of enterprise customer's terminal, behind the authentication success, and login system;
Step 2, the constant data that will show the bill that all need be endorsed on enterprise customer's terminal such as check drawer's full name, check drawer's account number, paying bank full name, the amount of draft, due date of bill, payee's full name, payee's account number, payee bank of deposit and row number, check drawer's stamped signature and date of draft, accepting bank's stamped signature and date of acceptance, possessor's information etc., these data all can not be edited (shown in Fig. 8 a).The operator imports gathering or accepts the information of the enterprise of bill;
Whether step 3, held to check by the enterprise's auditor that takes ticket and be stuck in the authentication of carrying out identity and operating right on the IC-card card reader that user terminal connects, behind the authentication success, login system is checked bill data, verifies correctly, if deny, then returns step 2;
Step 4, if the bill for payment data of step 3 are correct, then export this and honour electronics draft transfer of power information and on a bearing medium, (for example be printed on the paper) as transfer of power authority;
Step 5, hold to check by gathering or the auditor of receiving ticket enterprise and be stuck in the authentication of carrying out identity and operating right on the IC-card card reader that user terminal connects, the auditor of gathering enterprise confirms whether this bill is true, effective behind the authentication success, if then this bill is invalid ballots, will not receive ticket not.If confirm that the result is for being to confirm automatically that then possessor's information of this bill is the enterprise that collects money, and preserve in database that then this gathering enterprise obtains whole rights of this bill;
Step 6, by network this is honoured electronics draft data and deposit honouring in the electronics draft data of database in, the bill data of banker's acceptance electronics draft is except that possessor's information, and other bill datas of honouring the electronics draft all save as constant information and no longer change.
Electronic billing system of the present invention can also be realized the discount of electronic bill, after entering relevant electronic bill discount unit, shows electronic bill discount interface on user terminal, as shown in Figure 9.The content of typing (shown in Fig. 7 a) is identical when each contents of a project of electronic bill shown in Figure 9 and its generation, and can't change when paying.Inventive point of the present invention is on electronic bill interface as shown in Figure 9, only have one of discount house can carry out typing, and this discount house project both right shifts the typing frame, and the user only needs to be entered into this typing frame by payment row title can finish discount.Certainly, discount house must be one of registered user of system of the present invention.Therefore, when the typing of the discount house project of Fig. 9, can in advance registered user's title be stored, when the typing endorsee, can select " enterprise " in left side, point out the enterprise name tabulation then, user and from tabulation, select discount house to carry out typing.
After adopting the delivery method of E-bank bill of the present invention, the user can carry out the payment of bill easily by network, and is swift to operate, efficient is high, and cost reduces greatly; Because the user must arrive first to open a bank account accordingly and registers, and need carry out authentication, by after can login system carry out the associative operation of bill, therefore, can fundamentally stop false tickets, the circulation of clone's ticket on market.
Because the right that forms after the designated registration of bill in the delivery method of E-bank bill of the present invention locking, make the importance and the authority of paper-bill itself be lowered, thereby better prevent frequent " changing ticket " this means of crime that occurs in negotiation.
Because the unique registration in the delivery method of E-bank bill of the present invention and the use of network make the inquiry of bill become easy, and no longer need the official in charge to come and go inquiry on the spot, reduce bank's operating cost and increase work efficiency.Real-time because of this system makes the handler of bank and enterprise to inquire about in real time simultaneously, and the temporal delay that the tradition inquiry causes can not occur, thereby realizes the quick and easy of clearing on true meaning.
Because real-time, the convenient, fast property of the delivery method of E-bank bill of the present invention, when making that situation such as lose, stolen occurs at bill, can be by the circulation transfer of bearer at this bill of very first time quick freezing, bank, enterprise financial risks can not occur, fundamentally stop invalidated ticket simultaneously yet, steal the swindle case that the ticket transfer brings.
Make the setting up separately of the bill of the delivery method of E-bank bill of the present invention and close usefulness bill transaction, transport, shift and all possess quite high security, thereby make bank clerk when carrying large bill, no longer be personal safety concerns.
Because the delivery method of E-bank bill of the present invention has carried out volitional check with the line of discount of drawing a bill of commercial papers in the function design, fundamentally avoided commercial papers to open voluntarily by enterprise and the honesty issue and the uncontrollability that occur.This is beneficial to the commercial fraud case that reduces between enterprise and the trade disputes between bank, clearing dispute etc. again.
Adopt the delivery method of E-bank bill of the present invention, can realize the billing information national network, for the improper fund flow of monitoring, work such as " anti money washings " is significant, and can also provide powerful real-time statistics monitor function simultaneously.By this system can inquiry system in whole act of bill of being taken place in the section at any time of enterprise arbitrarily, comprise the amount of money,
Important informations such as corresponding unit, time, bill type.Make regulator such as bank carry out the real-time and effective monitoring, and can specifically set according to actual conditions early warning and grading automatical warning are carried out in the circulation of wholesale fund, thereby become the important tool that " anti money washing " works single object and a plurality of object.
Therefore above embodiment only is used to illustrate the present invention, but not is used to limit the present invention.
Claims (19)
1. based on network electric tickets method said method comprising the steps of:
The data storage step is stored multiple payment and settlement with valuable bills data and a plurality of electronic bill user data of users;
Electronic bill generates step, generate and at least a described payment and settlement corresponding electronic bill of valuable bills, comprise the electronic bill amount of money, electronic bill time limit, electronic bill signed by and electronic bill right transinformation on the electronic bill of generation at least; Described electronic bill right transinformation is that described electronic bill generates the unique information by electronic bill user typing in back;
The electronic bill delivery steps is carried out typing to described electronic bill right transinformation, and the electronic bill right transinformation of typing is with corresponding by payment side's electronic bill user data of users.
2. method according to claim 1 is characterized in that, described method also comprises:
Electronic bill state recording step is carried out record according to the purposes generation electronic bill status information of described electronic bill and to this electronic bill status information; The purposes of described electronic bill is meant: electronic bill is pledged, electronic bill is discounted or purposes such as electronic bill endorsement.
3. method according to claim 1 is characterized in that, described electronic bill delivery steps also comprises: described electronic bill is shown; Wherein
The read-only demonstration electronic bill amount of money, electronic bill time limit, electronic bill signed by, electronic bill numbering, payment side's electronic bill user profile and electronic bill right shift the date;
Editable demonstration electronic bill right transinformation typing frame, with typing by the side's of payment electronic bill user profile.
4. method according to claim 3 is characterized in that, described electronic bill user data of users comprises: subscriber identity information and account No., and this identity information comprises user name at least;
Described payment side electronic bill user profile comprises payment side electronic bill user's user name, is describedly comprised by payment side electronic bill user's user name by payment side's electronic bill user profile.
5. method according to claim 4 is characterized in that, described data storage step also comprises: generate corresponding operating right according to described subscriber identity information, and the mapping relations of subscriber identity information and operating right are stored.
6. method according to claim 5 is characterized in that, described method also comprises:
Electronic bill user identity identification step, the mapping relations of described subscriber identity information, operating right and subscriber identity information and operating right are outputed in the readable storage medium storing program for executing, judge the legitimacy of electronic bill user identity by reading subscriber identity information in the described readable storage medium storing program for executing, the operating right of the mapping relations judgement electronic bill user identity by reading operating right in the described readable storage medium storing program for executing and subscriber identity information and operating right.
7. method according to claim 6 is characterized in that described readable storage medium storing program for executing is meant IC-card; Described operating right comprises: pay authority, check authority and search access right;
Described IC-card comprises: electronic bill delivery operation card, electronic bill are paid and are checked card and electronic bill payment inquirying card; Wherein,
Adopt the IC-card card-reading apparatus that the data in the described electronic bill delivery operation card are read and identification, only allow the user of legal identity to pay the operation of authority;
Adopt the IC-card card-reading apparatus that described electronic bill is paid the data of checking in the card and read and identification, the operation that only allows the user of legal identity to check authority;
The data that adopt the IC-card card-reading apparatus that described electronic bill is paid in the inquirying card read and identification, only allow the user of legal identity to carry out the operation of search access right.
8. a based on network electronic billing system is characterized in that, described system comprises:
Data storage device is used to store multiple payment and settlement valuable bills data and a plurality of electronic bill user data of users;
The electronic bill generating apparatus, be used for generating and at least a described payment and settlement corresponding electronic bill of valuable bills, comprise the electronic bill amount of money, electronic bill time limit, electronic bill signed by and electronic bill right transinformation on the electronic bill of generation at least;
The electronic bill delivery installation is used for read-only the demonstration electronic bill amount of money, electronic bill time limit, electronic bill signed by, editable demonstration electronic bill right transinformation typing frame; Wherein
Described electronic bill right transinformation is that described electronic bill generates the unique information by electronic bill user typing in back, described electronic bill right transinformation is carried out typing, and the electronic bill right transinformation of typing is with corresponding by payment side's electronic bill user data of users.
9. system according to claim 8 is characterized in that, described system also comprises:
Electronic bill state recording device carries out record according to the purposes generation electronic bill status information of described electronic bill and to this electronic bill status information; The purposes of described electronic bill is meant: electronic bill is pledged, electronic bill is discounted or purposes such as electronic bill account transfer.
10. system according to claim 9 is characterized in that, described electronic bill delivery installation also comprises:
The electronic bill display unit is used for electronic bill information such as the read-only demonstration electronic bill amount of money, electronic bill time limit, electronic bill signed by;
Electronic bill typing unit carries out typing to described electronic bill right transinformation.
11. system according to claim 10 is characterized in that,
Described electronic bill typing unit further comprises:
Read-only display box is used for read-only demonstration electronic bill numbering, payment side's electronic bill user profile and electronic bill right and shifts the date;
Electronic bill user profile typing frame is used for typing by the side's of payment electronic bill user profile.
12. system according to claim 8 is characterized in that, described electronic bill user data of users comprises: subscriber identity information and account No., and this identity information comprises user name at least;
Described data storage device also comprises:
The operating right map unit is used for generating corresponding operating right according to described subscriber identity information, and the mapping relations of subscriber identity information and operating right is stored.
13. system according to claim 12 is characterized in that, described system also comprises: the user identity identification device is used to discern user identity; This user identity identification device comprises:
Readable storage medium storing program for executing, the mapping relations that are used to store described subscriber identity information, operating right and subscriber identity information and operating right;
Reading unit, the subscriber identity information that is used for reading described readable storage medium storing program for executing is judged the legitimacy of electronic bill user identity, and reads the operating right of the mapping relations judgement electronic bill user identity of operating right in the described readable storage medium storing program for executing and subscriber identity information and operating right.
14. system according to claim 13 is characterized in that, described readable storage medium storing program for executing is meant IC-card; Described operating right comprises: pay authority, check authority and search access right;
Described IC-card comprises: electronic bill delivery operation card, electronic bill are paid and are checked card and electronic bill payment inquirying card; Wherein,
Adopt the IC-card card-reading apparatus that the data in the described electronic bill delivery operation card are read and identification, only allow the user of legal identity to pay the operation of authority;
Adopt the IC-card card-reading apparatus that described electronic bill is paid the data of checking in the card and read and identification, the operation that only allows the user of legal identity to check authority;
The data that adopt the IC-card card-reading apparatus that described electronic bill is paid in the inquirying card read and identification, only allow the user of legal identity to carry out the operation of search access right.
15. system according to claim 13 is characterized in that, described readable storage medium storing program for executing comprises: IC-card, USB flash disk or mobile communication terminal.
16. a based on network electronic billing system, described system comprises: electronic bill Operation Server and electronic bill database, user terminal, and described user terminal links by network and described electronic bill Operation Server; It is characterized in that,
Described electronic bill database and described electronic bill Operation Server link, and are used to store multiple payment and settlement valuable bills data and electronic bill user data of users;
Described electronic bill Operation Server comprises:
The electronic bill generating apparatus, be used for generating and at least a described payment and settlement corresponding electronic bill of valuable bills, comprise the electronic bill amount of money, electronic bill time limit, electronic bill signed by and electronic bill right transinformation on the electronic bill of generation at least;
The electronic bill delivery installation is used for the demonstration electronic bill amount of money read-only on described user terminal, electronic bill time limit, electronic bill label people, editable demonstration electronic bill right transinformation typing frame;
Electronic bill state recording device carries out record according to the purposes generation electronic bill status information of described electronic bill and to this electronic bill status information; The purposes of described electronic bill is meant: electronic bill is pledged, electronic bill is discounted or purposes such as electronic bill account transfer; Wherein
Described electronic bill right transinformation is that described electronic bill generates the unique information by electronic bill user typing in back, described electronic bill right transinformation is carried out typing, and the electronic bill right transinformation of typing is with corresponding by payment side's electronic bill user data of users.
17. system according to claim 16, it is characterized in that, described user terminal comprises: banking terminal and enterprise terminal, described banking terminal links by financial private network and described electronic bill Operation Server, and described enterprise terminal links by dial telephone net and described electronic bill Operation Server;
Described banking terminal and enterprise terminal have electronic bill typing unit, and this electronic bill typing unit comprises:
Read-only display box is used for read-only demonstration electronic bill numbering, payment side's electronic bill user profile and electronic bill right and shifts the date;
Electronic bill user profile typing frame is used for typing by the side's of payment electronic bill user profile.
18. system according to claim 17 is characterized in that, described system also comprises, user register unit is obtained the electronic bill user data of users and the user data that obtains is deposited in the described electronic bill database; Described user data comprises: subscriber identity information and account No., and this identity information comprises user name at least;
Described user register unit also comprises:
The operating right map unit is used for generating corresponding operating right according to described subscriber identity information, and the mapping relations of subscriber identity information and operating right is stored.
19. system according to claim 17 is characterized in that, described system also comprises: the user identity identification device is used to discern user identity; This user identity identification device comprises:
Readable storage medium storing program for executing, the mapping relations that are used to store described subscriber identity information, operating right and subscriber identity information and operating right;
Reading unit, be connected with user terminal, the subscriber identity information that is used for reading described readable storage medium storing program for executing is judged the legitimacy of electronic bill user identity, and reads the operating right of the mapping relations judgement electronic bill user identity of operating right in the described readable storage medium storing program for executing and subscriber identity information and operating right.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006101561121A CN101004810A (en) | 2005-12-31 | 2006-12-27 | Electric tickets method and system based on network |
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2005100574859A CN1804887A (en) | 2005-12-31 | 2005-12-31 | E-bank bill delivery method |
| CN200510057485.9 | 2005-12-31 | ||
| CNA2006101561121A CN101004810A (en) | 2005-12-31 | 2006-12-27 | Electric tickets method and system based on network |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101004810A true CN101004810A (en) | 2007-07-25 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2006101561121A Pending CN101004810A (en) | 2005-12-31 | 2006-12-27 | Electric tickets method and system based on network |
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| Country | Link |
|---|---|
| CN (1) | CN101004810A (en) |
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| CN102411820A (en) * | 2010-09-26 | 2012-04-11 | 金蝶软件（中国）有限公司 | Bill processing method and system |
| CN103281180A (en) * | 2013-04-18 | 2013-09-04 | 暨南大学 | Method of generating bill for protecting user access privacy in network service |
| CN104008478A (en) * | 2013-02-21 | 2014-08-27 | 脑多多科技有限公司 | System and method for generating and confirming electronic receipt |
| CN104346743A (en) * | 2013-08-02 | 2015-02-11 | 东芝泰格有限公司 | Electronic receipt system, management server, processing device and control method |
| CN104376473A (en) * | 2014-10-29 | 2015-02-25 | 中国建设银行股份有限公司 | Electronic commercial draft payment system and method |
| CN104463585A (en) * | 2014-11-26 | 2015-03-25 | 隆藏电子商务（上海）有限公司 | Industrial payment method and electronic device |
| CN104732312A (en) * | 2013-12-20 | 2015-06-24 | 远光软件股份有限公司 | Bill on-line management method and device |
| CN105096193A (en) * | 2015-08-17 | 2015-11-25 | 农信银资金清算中心有限责任公司 | Method and device for issuing electronic bank draft |
| CN105279861A (en) * | 2014-07-03 | 2016-01-27 | 东芝泰格有限公司 | Electronic bill processing device and control method |
| CN107016533A (en) * | 2015-10-29 | 2017-08-04 | 高光产业株式会社 | Electronic bill managing device and electronic bill management method |
| CN107437226A (en) * | 2017-07-31 | 2017-12-05 | 武汉票据交易中心有限公司 | A kind of client quickly initiates method of commerce and system |
| CN107545472A (en) * | 2016-06-24 | 2018-01-05 | 深圳市银信网银科技有限公司 | Realize the methods, devices and systems of electronic bill networking |
| CN108256861A (en) * | 2018-01-03 | 2018-07-06 | 山东富瑞英泽资产管理股份有限公司 | Business clearing special certificate transfer payment method based on electronic information management |
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| CN110276003A (en) * | 2019-06-05 | 2019-09-24 | 上海票据交易所股份有限公司 | Bill querying method and device based on information registration |
| CN111353885A (en) * | 2018-12-21 | 2020-06-30 | 上海萌翼网络科技有限公司 | Endorsement trajectory tracking system and method |
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| CN102411820B (en) * | 2010-09-26 | 2014-05-28 | 金蝶软件（中国）有限公司 | Bill processing method and system |
| CN102411820A (en) * | 2010-09-26 | 2012-04-11 | 金蝶软件（中国）有限公司 | Bill processing method and system |
| CN104008478A (en) * | 2013-02-21 | 2014-08-27 | 脑多多科技有限公司 | System and method for generating and confirming electronic receipt |
| CN103281180A (en) * | 2013-04-18 | 2013-09-04 | 暨南大学 | Method of generating bill for protecting user access privacy in network service |
| CN103281180B (en) * | 2013-04-18 | 2015-12-23 | 暨南大学 | User is protected to access the bill generation method of privacy in a kind of network service |
| CN104346743A (en) * | 2013-08-02 | 2015-02-11 | 东芝泰格有限公司 | Electronic receipt system, management server, processing device and control method |
| CN104346743B (en) * | 2013-08-02 | 2018-08-21 | 东芝泰格有限公司 | Electronic billing system and management server, processing unit and control method |
| CN107122965A (en) * | 2013-08-02 | 2017-09-01 | 东芝泰格有限公司 | Information processor and electronic billing system |
| CN104732312A (en) * | 2013-12-20 | 2015-06-24 | 远光软件股份有限公司 | Bill on-line management method and device |
| CN105279861A (en) * | 2014-07-03 | 2016-01-27 | 东芝泰格有限公司 | Electronic bill processing device and control method |
| CN104376473A (en) * | 2014-10-29 | 2015-02-25 | 中国建设银行股份有限公司 | Electronic commercial draft payment system and method |
| CN104463585A (en) * | 2014-11-26 | 2015-03-25 | 隆藏电子商务（上海）有限公司 | Industrial payment method and electronic device |
| CN105096193A (en) * | 2015-08-17 | 2015-11-25 | 农信银资金清算中心有限责任公司 | Method and device for issuing electronic bank draft |
| CN107016533A (en) * | 2015-10-29 | 2017-08-04 | 高光产业株式会社 | Electronic bill managing device and electronic bill management method |
| CN107545472A (en) * | 2016-06-24 | 2018-01-05 | 深圳市银信网银科技有限公司 | Realize the methods, devices and systems of electronic bill networking |
| CN107437226A (en) * | 2017-07-31 | 2017-12-05 | 武汉票据交易中心有限公司 | A kind of client quickly initiates method of commerce and system |
| CN108256861A (en) * | 2018-01-03 | 2018-07-06 | 山东富瑞英泽资产管理股份有限公司 | Business clearing special certificate transfer payment method based on electronic information management |
| CN108256860A (en) * | 2018-01-03 | 2018-07-06 | 山东富瑞英泽资产管理股份有限公司 | Business clearing special certificate based on electronic information management splits method of payment |
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