CN106372934A - Electronic certificate receiver determining method, apparatus and system - Google Patents
Electronic certificate receiver determining method, apparatus and system Download PDFInfo
- Publication number
- CN106372934A CN106372934A CN201510433662.2A CN201510433662A CN106372934A CN 106372934 A CN106372934 A CN 106372934A CN 201510433662 A CN201510433662 A CN 201510433662A CN 106372934 A CN106372934 A CN 106372934A
- Authority
- CN
- China
- Prior art keywords
- electronic certificate
- management server
- opening
- capital management
- terminal
- 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
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention relates to an electronic certificate receiver determining method, apparatus and system. The electronic certificate receiver determining method comprises the following steps: receiving transaction information broadcast outwards by a first terminal and an issuing notification of an electronic certificate, wherein the issuing notification is sent to the first terminal after the first terminal sends an issuing request to a first fund management server and the first fund management server generates the corresponding electronic certificate; and when a user triggers a receiving instruction according to the transaction information, determining that the user is an electronic certificate receiver, according to the receiving instruction, sending a receiving application to a second fund management server, and the second fund management server receiving the electronic certificate sent by the first fund management server. The system and method improve the versatility of the electronic certificate.
Description
Technical field
The present invention relates to technical field of the computer network, receive the determination side of witness particularly to a kind of electronic certificate
Method, apparatus and system.
Background technology
Payment refers in business activities, is paid based on currency produced by economic contract.At present, a lot of banks
Or enterprise both provides the service of network payment, the mode of network payment provides very big for both parties
Convenient.In existing network payment mode, mostly the fund in buyer account is directly transferred to seller account,
Or transfer to the third-party institution as guarantee.
Traditional network payment mode, after buyer's fund remittance and transfer instruction issuing, fund can directly circulate,
Following situation usually occur: buyer not yet receives commodity or the service of seller's offer, its fund by
Bank or the third-party institution pay the seller；Or after the seller provides commodity or service, buyer delays enough
Pay corresponding fund；Or fund is given to the reciprocal account of mistake by buyer.Network payment side at this stage
There is certain transaction risk it is impossible to ensure the interests of both parties in formula.
In order to ensure the interests of both parties, both parties can complete propping up of network trading by electronic certificate
Pay.Because fund was frozen in the opening L/C in account of buyer before completing to conclude the business always, thus by electronics with
Card is handled receipt and payment clearing and has been ensured both parties' interests.Existing electronic certificate has specified that when opening L/C to be sold
There is, so that electronic certificate is only applied to buyer, the situation determining seller side, and application scenarios are single.
Content of the invention
Based on this it is necessary to be directed to above-mentioned technical problem, provide a kind of electricity that can improve electronic certificate versatility
Sub- voucher receives the determination method of witness, apparatus and system.
A kind of electronic certificate receives the confirmation method of witness, and methods described is applied to second terminal, methods described bag
Include:
Receive the notice of opening L/C of the first terminal outwards Transaction Information of broadcast and electronic certificate, described open
Card notice is that first terminal sends, to the first capital management server, request of opening L/C, by described first capital management
Server sends to first terminal after generating corresponding electronic certificate；
When user triggers receipts card instruction it is determined that described user receives for electronic certificate according to described Transaction Information
Witness, sends receipts card application according to receiving card instruction to the second capital management server, by described second fund pipe
Reason server receives the described electronic certificate that the first capital management server sends.
A kind of electronic certificate receives the confirmation method of witness it is characterised in that methods described is applied to the first fund
Management server, methods described includes:
Receive the request of opening L/C that first terminal sends, described open L/C ask in carry the account and opening L/C of opening L/C
The amount of money；
The fund of the amount of money of being opened L/C described in account by opening L/C described in freezing generates corresponding electronic certificate, and raw
Become the notice of opening L/C of electronic certificate；
Described notice of having opened L/C is sent to first terminal.
A kind of electronic certificate receives the confirmation method of witness, and methods described is applied to the second capital management server,
Methods described includes:
Receive that second terminal sends comprises the receipts card application of account of opening L/C, and generates and comprise the receipts of account of opening L/C
Card request；
Send described card of receiving and ask first capital management server corresponding to described account of opening L/C；
Receive the described electronic certificate that described first capital management server sends.
A kind of electronic certificate receives the confirmation device of witness, and described device is applied to second terminal, described device bag
Include:
Information receiving module, for receiving first terminal, outwards the Transaction Information of broadcast and electronic certificate be
Open L/C notice, described notice of having opened L/C is that first terminal sends, to the first capital management server, request of opening L/C,
Generated by described first capital management server and send to first terminal after corresponding electronic certificate；
Receive witness confirm module, for when user according to described Transaction Information trigger receipts card instruction it is determined that
Described user receives witness for electronic certificate, receives card Shen according to receiving card instruction to the second capital management server transmission
Please, the described electronic certificate that the first capital management server sends is received by described second capital management server.
A kind of electronic certificate receives the confirmation device of witness it is characterised in that described device is applied to the first fund
Management server, described device includes:
Request receiving module, for receiving the request of opening L/C of first terminal transmission, carries in described request of opening L/C
Account of opening L/C and the amount of money of opening L/C；
Notify generation module, for the amount of money of being opened L/C described in account by opening L/C described in freezing fund generate right
The electronic certificate answered, and generate the notice of opening L/C of electronic certificate；
Notify sending module, for sending described notice of having opened L/C to first terminal.
A kind of electronic certificate receives the confirmation device of witness, and described device is applied to the second capital management server,
Described device includes:
Request generation module, comprises, for receive second terminal transmission, the receipts card application of account of opening L/C, and raw
Become and comprise the receipts card request of account of opening L/C；
Request sending module, asks first fund pipe corresponding to described account of opening L/C for sending described card of receiving
Reason server；
Electronic certificate receiver module, for receive described first capital management server send described electronics with
Card.
A kind of electronic certificate receives the confirmation system of witness it is characterised in that described system includes:
First terminal, for sending, to the first capital management server, request of opening L/C, takes in described request of opening L/C
Band is opened L/C account and the amount of money of opening L/C, and receives opening of the electronic certificate that the first capital management server sends
Card notifies, outwards the notice of opening L/C of broadcast Transaction Information and electronic certificate；
First capital management server, for the fund of the amount of money of being opened L/C described in account by opening L/C described in freezing
Generate corresponding electronic certificate, and generate the notice of opening L/C of electronic certificate；Described notice of having opened L/C is sent
To first terminal；
Second terminal, for receiving the Transaction Information of the outside broadcast of first terminal and opening L/C of electronic certificate
Notify, when user triggers receipts card instruction it is determined that described user is electronic certificate according to described Transaction Information
Receive witness, receive card application according to receiving card instruction to the second capital management server transmission；When user is according to described
Transaction Information triggers clearance order, then open L/C according to described clearance order is removed notice and transaction letter
Breath；
Second capital management server, for receive second terminal transmission comprise open L/C account receipts card application,
And generate the receipts card request of the account that comprises to open L/C；Send and described receive card request to described account of opening L/C corresponding the
One capital management server；Receive the described electronic certificate that described first capital management server sends.
Above-mentioned electronic certificate receives the determination method of witness, apparatus and system, is applied to the not specified electricity receiving witness
Sub- voucher, first terminal outwards broadcasts Transaction Information and opening L/C of electronic certificate notifies so that receiving
Above-mentioned Transaction Information and the second terminal of notice of having opened L/C be the not corresponding terminal of specific user, work as user
Transaction Information is had intention to trigger receipts card instruction to be defined as receiving witness.Due to electronic certificate be not for
Certain is specific receiving witness's generation, therefore improves the versatility of electronic certificate.
Brief description
Fig. 1 is the structural representation of the confirmation system that electronic certificate receives witness in an embodiment；
Fig. 2 is the schematic flow sheet of the confirmation method that electronic certificate receives witness in an embodiment；
Fig. 3 is the schematic flow sheet of the confirmation method that electronic certificate receives witness in an embodiment；
Fig. 4 is the schematic flow sheet of the confirmation method that electronic certificate receives witness in an embodiment；
Fig. 5 be in an embodiment opened L/C notify send to the step of first terminal after electronic certificate
Receive the schematic flow sheet of the confirmation method of witness；
Fig. 6 is the schematic flow sheet of the confirmation method that electronic certificate receives witness in an embodiment；
Fig. 7 is the structural representation of the confirmation device that electronic certificate receives witness in an embodiment；
Fig. 8 is the structural representation of the confirmation device that electronic certificate receives witness in an embodiment；
Fig. 9 is the structural representation of the confirmation device that electronic certificate receives witness in an embodiment；
Figure 10 is the structural representation of the confirmation device that electronic certificate receives witness in an embodiment；
Figure 11 is the structural representation of the confirmation device that electronic certificate receives witness in an embodiment.
Specific embodiment
In order that the objects, technical solutions and advantages of the present invention become more apparent, below in conjunction with accompanying drawing and reality
Apply example, the present invention will be described in further detail.It should be appreciated that specific embodiment described herein is only
Only in order to explain the present invention, it is not intended to limit the present invention.
In the embodiment of the present invention, capital management server is the server of institutions managing funds, capital management machine
Structure refers to support the mechanism of Capital Flow, including but not limited to bank and other financial institutions (as security machine
Structure, Third-party payment platform etc.), that is, capital management server includes bank server or other financial institutions
Server.
In the embodiment of the present invention, electronic certificate refers to that capital management server freezes to provide according to the application of opener
Gold or the accrediting amount being opened with institutions managing funds name drawn, and promise to undertake and settled accounts according to agreed terms
Electronic credit acceptance and guarantee voucher.
In the embodiment of the present invention, opener (usually buyer), is to open electronics to institutions managing funds application
The main body of voucher, can be natural person, legal person or its hetero-organization, and end of opening L/C is the terminal that opener holds.
In the embodiment of the present invention, payer, be the request answering opener as electronic certificate payer, with it
The fund of account or the accrediting amount open, for opener, the main body that electronic certificate is tendered guarantee as guarantee fund, can
To be natural person, legal person or hetero-organization, the terminal that payment terminals are held for payer.
In the embodiment of the present invention, electronic certificate basic service flow process is: institutions managing funds are according to opener's
Application freezes required number fund to open electronic certificate, when agreement solution is paid condition and reached, by capital management
Fund solution is paid and is handled payment and settlement by mechanism.Specific as follows:
1. transaction body both sides formed order after, opener (as buyer) to the mechanism that opens L/C (open electronics with
The institutions managing funds of card, such as Opening Bank) application for credit.(certainly, opener can formed specifically
Application for credit during trading order form；Can be when not forming trading order form yet, opener's folk prescription active application for credit.).
2. open L/C after mechanism accepts, open electronic certificate the fund of freeze corresponding amount or the accrediting amount.
3. receive witness (as the seller) and receive card to Shou Zheng mechanism (as recipient bank) application.
4. received card after Shou Zheng mechanism checking information is errorless, electronic certificate enters and honours an agreement the phase, receive witness and carry out
Honour an agreement (as businessman sends commodity, you can think and honoured an agreement).
5. after receipts witness honours an agreement, electronic certificate obtains information of honouring an agreement, the silver-colored letter state of change, and electronic certificate enters
Sign for the phase, wait being sent to of commodity, sign for commodity.
6. after opener signs for commodity, that is, receipts witness completes electronics according to the solution condition of paying of electronic certificate
After terms of trade corresponding to voucher, Shou Zheng mechanism is entrusted to pay to mechanism's application solution of opening L/C.
7. mechanism releases of opening L/C freeze to opener's account fund, and card is received in funds transfer to Shou Zheng mechanism
Fund is proceeded to receipts witness's account by mechanism.
It should be appreciated that above-mentioned is only a kind of mode with electronic certificate, can also be with electronic certificate purchase
Buy service.When buying service, such as firmly in the transaction scene in hotel, hotel reservation success, that is, hotel is carried out
Honour an agreement.
Certainly, electronic certificate can also apply to allotted fund.During different situations, the understanding honouring an agreement and sign for
Also it is varied from.That is, when businessman provide a kind of commodity or service when, may just directly make electronics with
The state of card has simultaneously flowed through the phase of honouring an agreement and has signed for the phase, is directly entered solution and pays, such as concludes the business face to face.
As shown in figure 1, in one embodiment, a kind of electronic certificate providing receives the confirmation system of witness,
This system includes:
First terminal 10, for sending, to the first capital management server 30, request of opening L/C, takes in request of opening L/C
Band is opened L/C account and the amount of money of opening L/C, and receives the electronic certificate of the first capital management server 30 transmission
Open L/C notice, outwards the notice of opening L/C of broadcast Transaction Information and electronic certificate.
Specifically, first terminal 10 refers to the corresponding terminal of opener (buyer).Transaction Information refers to buyer
The transaction content announced to the seller.Notice of having opened L/C has payment purchase-transaction packet to contain business for proving buyer
Product or the ability of service.For example, user wants to buy commodity, and Transaction Information refers to that user retouches to this commodity
State including the relationship trading content such as price, model and style.Outwards broadcast Transaction Information and opened L/C
Notice is meant that: buyer sends offer and waits to not specific seller has seller to accept to carry out with it after offer
Transaction.In order to ensure safety, the data carrying in request of opening L/C is all through encryption.
In one embodiment, buyer can select the object of outwards broadcast according to the Transaction Information of oneself, the
One terminal 10 can also choose the multiple sellers matching with Transaction Information as the object of outside broadcast.For example,
Transaction Information is to buy a pair of leather shoes, then the object broadcasted is to sell the corresponding terminal of leather shoes seller.
It should be noted that above-mentioned one kind simply listing Transaction Information, Transaction Information is except buying and selling commodity
Outside also include: allotted fund, provide service and mortgage etc..Here opener and receipts witness
It is also not necessarily limited to both parties.
First capital management server 30, right for being generated by the fund of the amount of money of opening L/C in account of freezing to open L/C
The electronic certificate answered, and generate the notice of opening L/C of electronic certificate；Notice of having been opened L/C sends to first terminal
10.
First capital management server 30 refers to the server for generating electronic certificate.For example, opener
Account of opening L/C is the account of Construction Bank, then the first capital management server 30 is that Construction Bank is used for fund pipe
The server of reason.Equal with the amount of money of opening L/C freezing of funds in account of opening L/C is generated corresponding electronic certificate,
Opener does not have authority to arrange the fund that electronic certificate freezes.Frozen fund can be used for wrapping by opener
Include and be engaged in the various economic activity such as the buying and selling of commodities, mortgage.
State in process of exchange for the electronic certificate includes: state of having opened L/C, due-in card state, has received card shape
State, treat solution pay state and solution pay a state.For example, after electronic certificate generates, the first capital management server
The state of electronic certificate can be updated to open L/C state by 30；Electronic certificate is received after card, the shape of electronic certificate
State is updated to treat that solution pays state.After electronic certificate generates, further, generate opening L/C of electronic certificate logical
Know.Open L/C and notified for the state informing opener's electronic certificate to be state of having opened L/C.Enable opener
Grasp the situation of opening L/C of electronic certificate in time.Notice of having opened L/C is forwarded in the form of electronic message, forwards
Direction sends to the corresponding first terminal of opener 10 for the first capital management server 30.
Second terminal 20, for having received the Transaction Information that first terminal 10 outwards broadcasts and electronic certificate
Open L/C notice, when user triggers receipts card instruction according to Transaction Information it is determined that user is electronic certificate receives and demonstrate,prove
People, sends receipts card application according to receiving card instruction to the second capital management server 40；When user is according to transaction letter
Breath triggers clearance order, then remove, according to clearance order, open L/C notice and Transaction Information.
Second terminal refers to receive the corresponding terminal of witness (seller), because first terminal 10 is outside broadcast
Uncertain to liking, the terminal (terminal 20,21 and 22) of multiple sellers can be simultaneously received transaction letter
Breath and notice of having opened L/C.Seller can determine whether to accept offer according to Transaction Information, if so, can lead to
Cross second terminal 20 triggering to receive card instruction to receive electronic certificate.
Second capital management server 40 is to receive witness to the receivable card corresponding server of account.Second terminal 20
Receive card application by sending, application the second capital management server 40 is to the first capital management server 30
Send receipts card request.If receiving Transaction Information and the seller of notice of having opened L/C is not have purpose to carry out with buyer
Transaction, the information receiving can be ignored.Specifically, receive witness to trigger in second terminal 20 clearly
Except instruction, delete open L/C notice and Transaction Information by clearance order.
Second capital management server 40, for receive second terminal 20 transmission comprise open L/C account receipts card
Apply for, and generate the receipts card comprising to open L/C account asking；Send and receive card request to account of opening L/C corresponding first
Capital management server 30；Receive the electronic certificate of the first capital management server 30 transmission.
Second capital management server 40 specifically refers to seller and demonstrate,proves the corresponding fund of account for the receipts receiving fund
Management server.After user triggers receipts card instruction in second terminal 20, second terminal 20 will be to the second money
Golden management server 40 sends receives card application, is completed to the first fund pipe from the second capital management server 40
The receipts card task of reason server 30.
Above-mentioned electronic certificate receives witness's system, is applied to the not specified electronic certificate receiving witness, first terminal to
The opening L/C of outer broadcast Transaction Information and electronic certificate notify so that the above-mentioned Transaction Information that receives and
The second terminal of notice of having opened L/C is the not corresponding terminal of specific user, and as user, Transaction Information is had intention can
Receive card instruction to be defined as receipts witness to trigger.Because electronic certificate is not for certain specific receipts witness's life
Become, therefore improve the versatility of electronic certificate.Because electronic certificate is not to demonstrate,prove for certain specific receipts
People generates, and when receiving witness and changing, electronic certificate but need not be opened L/C again, and therefore once opening L/C can be multiple
Using the payment and settlement efficiency that improve network trading.
As shown in Fig. 2 in one embodiment, a kind of electronic certificate providing receives the confirmation method of witness,
The method is applied to second terminal, and the method comprises the steps:
Step 201, receives the Transaction Information of the outside broadcast of first terminal and the notice of opening L/C of electronic certificate.
In the present embodiment, notice of having opened L/C is that first terminal sends, to the first capital management server, request of opening L/C, by
First capital management server sends to first terminal after generating corresponding electronic certificate.
Step 202, when user triggers receipts card instruction it is determined that user receives for electronic certificate according to Transaction Information
Witness, sends receipts card application according to receiving card instruction to the second capital management server.In the present embodiment, by
Two capital management servers receive the electronic certificate that the first capital management server sends.
As shown in figure 3, in one embodiment, the confirmation method that electronic certificate receives witness also includes:
Step 203, when user triggers clearance order according to Transaction Information, then removes according to clearance order and opens L/C
Notify and Transaction Information.
As shown in figure 4, in one embodiment, a kind of electronic certificate providing receives the confirmation method of witness,
The method is applied to the first capital management server, and the method comprises the steps:
Step 401, receives the request of opening L/C that first terminal sends.In the present embodiment, carry in request of opening L/C
Account of opening L/C and the amount of money of opening L/C.
Step 402, generates corresponding electronic certificate by the fund of the amount of money of opening L/C in account of freezing to open L/C, and raw
Become the notice of opening L/C of electronic certificate.
Step 403, notice of having been opened L/C sends to first terminal.
As shown in figure 5, in one embodiment, electronic certificate comprises solution and pays condition；In step 403, by
Notice of opening L/C sends to after first terminal, and the method also includes:
Step 501, obtains electronic certificate and the evidence for payment that the second capital management server sends.
Opener is settled accounts by electronic certificate with receiving witness.After determining the seller of reception electronic certificate,
Seller just bears the obligation paying commodity or service, and the oriented seller of buyer pays the obligation of electronic certificate.Second
Terminal sends to the second capital management server and receives card request, completes receipts card by the second capital management server and appoints
Business.After second capital management server obtains electronic certificate, when the second capital management server receives logistics
The commodity that server sends have been signed for the confirmation that information or buyer sent by first terminal and have been received information.
Second capital management server has been signed for information according to commodity or has been confirmed that information of having received generates corresponding payment
Voucher.
In the present embodiment, solution is paid condition and is referred to that the fund of electronic certificate is changed into thawed state needs from frozen state
The condition meeting.Evidence for payment refers to that both parties carry out the electronic certificate of payment and settlement.Evidence for payment comprises
The terms of payment and payment.
Step 502, whether verification electronic certificate is legal.If so, then enter step 503, if it is not, then terminating.
Step 503, judges whether the terms of payment meet solution and pay condition.If so, then enter step 504, if it is not,
Then terminate.
In order to ensure the safety of fund, the first capital management server need to verify electronic certificate be whether by
Oneself generates.Specifically, by verifying that on electronic certificate, the electronic signature of user with the signature of opener is
No unanimously to judge whether electronic certificate is legal.If legal, determine whether whether the terms of payment meet solution and pay
Condition.Represent that transaction has completed when the terms of payment meet solution and pay a condition, buyer needs the effect payment obligation to be
First capital management server enters payment program.
Step 504, the fund of the defrosting electronic certificate counterpart expenditure amount of money, and fund is sent to the second fund pipe
Fund is proceeded to default receipts in card account by the second capital management server by reason server.
Receive card account and refer to that receiving witness is provided for receiving the account that account of opening L/C proceeds to fund, receive card account and
Account of opening L/C can be bank account or Third-party payment platform account.In one embodiment, when opening L/C
When account is same type of account with receiving card account, the first capital management server here and the second fund
Management server refers to same server.For example, when account of opening L/C is all Construction Bank with receipts card account
Account, then the first capital management server and the second capital management server are all referring to the fund for Construction Bank
Management server.When account of opening L/C not is same type of account with receipts card account, the first capital management clothes
Business device and the second capital management server are different servers.
As shown in fig. 6, in one embodiment, a kind of electronic certificate providing receives the confirmation method of witness,
The method is applied to the second capital management server, and the method comprises the steps:
Step 601, receive that second terminal sends comprises the receipts card application of account of opening L/C, and generates and comprise to open L/C
The receipts card request of account.
Step 602, sends and receives card request to the corresponding first capital management server of account of opening L/C.
Step 603, receives the electronic certificate that the first capital management server sends.
As shown in fig. 7, in one embodiment, a kind of electronic certificate providing receives the confirmation device of witness,
This device is applied to second terminal, and this device includes as lower module:
Information receiving module 70, for receiving the first terminal outwards Transaction Information of broadcast and electronic certificate
Open L/C notice.In the present embodiment, notice of having opened L/C is that first terminal sends to the first capital management server
Open L/C request, generated by the first capital management server and send to first terminal after corresponding electronic certificate.
Receive witness and confirm module 71, for receipts card instruction being triggered it is determined that using according to Transaction Information as user
Witness is received for electronic certificate in family, receives card application according to receiving card instruction to the second capital management server transmission.This
In embodiment, the electronic certificate that the first capital management server sends is received by the second capital management server.
As shown in figure 8, in one embodiment, the confirmation device that electronic certificate receives witness also includes:
Erasing of information module 72, for triggering clearance order as user according to Transaction Information, then according to removing
Instruction removing is opened L/C and is notified and Transaction Information.
As shown in figure 9, in one embodiment, a kind of electronic certificate providing receives the confirmation device of witness,
This device is applied to the first capital management server, and this device includes as lower module:
Request receiving module 80, for receiving the request of opening L/C of first terminal transmission, carries in request of opening L/C
Account of opening L/C and the amount of money of opening L/C.
Notify generation module 81, for corresponding electricity is generated by the fund of the amount of money of opening L/C in account of freezing to open L/C
Sub- voucher, and generate the notice of opening L/C of electronic certificate.
Notify sending module 82, notified to send to first terminal for opening L/C.
As shown in Figure 10, in one embodiment, electronic certificate comprises solution pair condition；Electronic certificate receives witness
Confirmation device also include:
Data obtaining module 83, for obtaining electronic certificate and the payment that the second capital management server sends
Voucher.In the present embodiment, evidence for payment comprises the terms of payment and payment.
Fund payment module 84, whether legal for verifying electronic certificate, if so, then determine whether to pay
Whether condition meets solution is paid a condition, if so, the fund of the then defrosting electronic certificate counterpart expenditure amount of money, and will provide
Golden hair delivers to the second capital management server, by the second capital management server, fund is proceeded to default receipts and demonstrate,proves
In account.
As shown in figure 11, in one embodiment, a kind of electronic certificate providing receives the confirmation device of witness,
This device is applied to the second capital management server, and this device includes as lower module:
Request generation module 90, for receive second terminal transmission comprise open L/C account receipts card application, and
Generate and comprise the receipts card request of account of opening L/C.
Request sending module 91, receives card request to the corresponding first capital management service of account of opening L/C for sending
Device.
Electronic certificate receiver module 92, for receiving the electronic certificate that the first capital management server sends.
Each technical characteristic of above example can arbitrarily be combined, for making description succinct, not to above-mentioned
The all possible combination of each technical characteristic in embodiment is all described, as long as however, these technology are special
There is not contradiction in the combination levied, be all considered to be the scope of this specification record.
Above example only have expressed the several embodiments of the present invention, and its description is more concrete and detailed, but
Can not therefore be construed as limiting the scope of the patent.It should be pointed out that it is general for this area
For logical technical staff, without departing from the inventive concept of the premise, some deformation can also be made and improve,
These broadly fall into protection scope of the present invention.Therefore, the protection domain of patent of the present invention should be wanted with appended right
Ask and be defined.
Claims (11)
1. a kind of electronic certificate receives the confirmation method of witness, and methods described is applied to second terminal, methods described
Including:
Receive the notice of opening L/C of the first terminal outwards Transaction Information of broadcast and electronic certificate, described open
Card notice is that first terminal sends, to the first capital management server, request of opening L/C, by described first capital management
Server sends to first terminal after generating corresponding electronic certificate；
When user triggers receipts card instruction it is determined that described user receives for electronic certificate according to described Transaction Information
Witness, sends receipts card application according to receiving card instruction to the second capital management server, by described second fund pipe
Reason server receives the described electronic certificate that the first capital management server sends.
2. method according to claim 1 is it is characterised in that methods described also includes:
When user triggers clearance order according to described Transaction Information, then according to described clearance order is removed
Open L/C and notify and Transaction Information.
3. a kind of electronic certificate receives the confirmation method of witness it is characterised in that methods described is applied to the first money
Golden management server, methods described includes:
Receive the request of opening L/C that first terminal sends, described open L/C ask in carry the account and opening L/C of opening L/C
The amount of money；
The fund of the amount of money of being opened L/C described in account by opening L/C described in freezing generates corresponding electronic certificate, and raw
Become the notice of opening L/C of electronic certificate；
Described notice of having opened L/C is sent to first terminal.
4. method according to claim 3 pays condition it is characterised in that described electronic certificate comprises solution；
After sending described notice of having opened L/C to the step of first terminal, also include:
Obtain electronic certificate and the evidence for payment that the second capital management server sends, described evidence for payment comprises
The terms of payment and payment；
Whether verification electronic certificate is legal, if so, then determines whether whether the terms of payment meet described solution and pay
Condition, the fund of the described electronic certificate counterpart expenditure amount of money that if so, then thaws, and by described fund send to
Fund is proceeded to default receipts by described second capital management server and demonstrate,proves account by the second capital management server
In.
5. a kind of electronic certificate receives the confirmation method of witness, and methods described is applied to the second capital management server,
Methods described includes:
Receive that second terminal sends comprises the receipts card application of account of opening L/C, and generates and comprise the receipts of account of opening L/C
Card request；
Send described card of receiving and ask first capital management server corresponding to described account of opening L/C；
Receive the described electronic certificate that described first capital management server sends.
6. a kind of electronic certificate receives the confirmation device of witness, and described device is applied to second terminal, described device
Including:
Information receiving module, for receiving first terminal, outwards the Transaction Information of broadcast and electronic certificate be
Open L/C notice, described notice of having opened L/C is that first terminal sends, to the first capital management server, request of opening L/C,
Generated by described first capital management server and send to first terminal after corresponding electronic certificate；
Receive witness confirm module, for when user according to described Transaction Information trigger receipts card instruction it is determined that
Described user receives witness for electronic certificate, receives card Shen according to receiving card instruction to the second capital management server transmission
Please, the described electronic certificate that the first capital management server sends is received by described second capital management server.
7. device according to claim 6 is it is characterised in that described device also includes:
Erasing of information module, for triggering clearance order as user according to described Transaction Information, then according to institute
State open L/C described in clearance order removing notice and Transaction Information.
8. a kind of electronic certificate receives the confirmation device of witness it is characterised in that described device is applied to the first money
Golden management server, described device includes:
Request receiving module, for receiving the request of opening L/C of first terminal transmission, carries in described request of opening L/C
Account of opening L/C and the amount of money of opening L/C；
Notify generation module, for the amount of money of being opened L/C described in account by opening L/C described in freezing fund generate right
The electronic certificate answered, and generate the notice of opening L/C of electronic certificate；
Notify sending module, for sending described notice of having opened L/C to first terminal.
9. device according to claim 8 pays condition it is characterised in that described electronic certificate comprises solution；
Described device also includes:
Data obtaining module, for obtain second capital management server send electronic certificate and pay with
Card, described evidence for payment comprises the terms of payment and payment；
Fund payment module, whether legal for verifying electronic certificate, if so, then determine whether to pay bar
Part whether meet described solution pay a condition, the fund of the described electronic certificate counterpart expenditure amount of money that if so, then thaws,
And send described fund to the second capital management server, by described second capital management server by fund
Proceed to default receipts in card account.
10. a kind of electronic certificate receives the confirmation device of witness, and described device is applied to the second capital management service
Device, described device includes:
Request generation module, comprises, for receive second terminal transmission, the receipts card application of account of opening L/C, and raw
Become and comprise the receipts card request of account of opening L/C；
Request sending module, asks first fund pipe corresponding to described account of opening L/C for sending described card of receiving
Reason server；
Electronic certificate receiver module, for receive described first capital management server send described electronics with
Card.
A kind of 11. electronic certificates receive the confirmation system of witness it is characterised in that described system includes:
First terminal, for sending, to the first capital management server, request of opening L/C, takes in described request of opening L/C
Band is opened L/C account and the amount of money of opening L/C, and receives opening of the electronic certificate that the first capital management server sends
Card notifies, outwards the notice of opening L/C of broadcast Transaction Information and electronic certificate；
First capital management server, for the fund of the amount of money of being opened L/C described in account by opening L/C described in freezing
Generate corresponding electronic certificate, and generate the notice of opening L/C of electronic certificate；Described notice of having opened L/C is sent
To first terminal；
Second terminal, for receiving the Transaction Information of the outside broadcast of first terminal and opening L/C of electronic certificate
Notify, when user triggers receipts card instruction it is determined that described user is electronic certificate according to described Transaction Information
Receive witness, receive card application according to receiving card instruction to the second capital management server transmission；When user is according to described
Transaction Information triggers clearance order, then open L/C according to described clearance order is removed notice and transaction letter
Breath；
Second capital management server, for receive second terminal transmission comprise open L/C account receipts card application,
And generate the receipts card request of the account that comprises to open L/C；Send and described receive card request to described account of opening L/C corresponding the
One capital management server；Receive the described electronic certificate that described first capital management server sends.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510433662.2A CN106372934A (en) | 2015-07-21 | 2015-07-21 | Electronic certificate receiver determining method, apparatus and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510433662.2A CN106372934A (en) | 2015-07-21 | 2015-07-21 | Electronic certificate receiver determining method, apparatus and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106372934A true CN106372934A (en) | 2017-02-01 |
Family
ID=57880597
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510433662.2A Pending CN106372934A (en) | 2015-07-21 | 2015-07-21 | Electronic certificate receiver determining method, apparatus and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106372934A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109325759A (en) * | 2018-09-17 | 2019-02-12 | 简单汇信息科技(珠海)有限公司 | Method, management platform, device, system and storage medium are opened online |
-
2015
- 2015-07-21 CN CN201510433662.2A patent/CN106372934A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109325759A (en) * | 2018-09-17 | 2019-02-12 | 简单汇信息科技(珠海)有限公司 | Method, management platform, device, system and storage medium are opened online |
| CN109325759B (en) * | 2018-09-17 | 2023-09-19 | 简单汇信息科技(广州)有限公司 | Online development method, management platform, device, system and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN106104607A (en) | Electronic certificate receives the determination method of witness, Apparatus and system | |
| WO2015135121A1 (en) | Online payment system and method, and online payment server | |
| CN106462837A (en) | Network transaction payment method and system | |
| CA2988813A1 (en) | Cross-funds management server-based payment system, and method, device and server therefor | |
| CA3058591C (en) | Cross-funds management server-based payment system, and method, device and server therefor | |
| CA2988809C (en) | Cross-funds management server-based payment system, and method, device and server therefor | |
| CA3055645C (en) | Payment system based on shared funds-management server, and method, device and server therefor | |
| CN106372934A (en) | Electronic certificate receiver determining method, apparatus and system | |
| CN106203986A (en) | A kind of method of network payment, device, capital management server and system | |
| CA2987802A1 (en) | Cross-funds server-based payment system, and payment method, device and server therefor | |
| CN106372913A (en) | Performance information transmission method, apparatus, and system for electronic certificate | |
| CN106709722A (en) | Solution pay information transmission method, apparatus and system of electronic certificate | |
| CA3094228A1 (en) | Cross-funds management server-based payment system, and method, device and server therefor | |
| CN106886929A (en) | A kind of method for generating electronic certificate, device and system | |
| CN106709717A (en) | Certificate receiving method, device and system | |
| CN106372912A (en) | Solution pay information transmission method, apparatus, and system of electronic certificate | |
| CN106709720A (en) | Method, device and system for transmitting fulfillment information of electronic certificate | |
| CN106548399A (en) | The method and apparatus that a kind of refusal receives card | |
| CN106372926A (en) | Solution pay information transmission method, apparatus, and system of electronic certificate | |
| CN106651476A (en) | Data processing method and system for issuing electronic certificate, and fund management server | |
| CN106372924A (en) | Certificate receiving method, apparatus, and system | |
| CN106709725A (en) | Fund management server, invitation issuing data processing method and invitation issuing data processing system | |
| CA3082752A1 (en) | Payment system based on shared funds-management server, and method, device and server therefor | |
| CN106372935A (en) | Electronic certificate opening notification method, apparatus and system | |
| CN106372901A (en) | Certificate receiving method, apparatus, and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170201 |