CN106548399A - The method and apparatus that a kind of refusal receives card - Google Patents
The method and apparatus that a kind of refusal receives card Download PDFInfo
- Publication number
- CN106548399A CN106548399A CN201510430808.8A CN201510430808A CN106548399A CN 106548399 A CN106548399 A CN 106548399A CN 201510430808 A CN201510430808 A CN 201510430808A CN 106548399 A CN106548399 A CN 106548399A
- Authority
- CN
- China
- Prior art keywords
- electronic certificate
- card
- refusal
- terminal
- information
- 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
Landscapes
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The present invention relates to network payment technical field, more particularly to the method and apparatus that a kind of refusal receives card, server end is applied to, the method includes：The refusal that receiving terminal sends collects the instruction of electronic certificate；According to the status information of the electronic certificate process instruction for refusing to collect electronic certificate, and result is fed back to into terminal；Update the status information of the electronic certificate, in the present invention, after terminal receives card information, reject electronic certificate to change the state of electronic certificate by server end, so as to increased a kind of termination of electronic certificate by way of improve Consumer's Experience of the electronic certificate in interaction.
Description
Technical field
The present invention relates to network payment technical field, more particularly, to the method and apparatus that a kind of refusal receives card.
Background technology
Ecommerce using internet platform by conventional business activity in participation each side (buyer, the seller,
Logistics company, financial institution etc.) link together, by by whole process of exchange networking, electronization,
Informationization, so as to reducing the cost of transaction, improve trading efficiency.However, existing ecommerce
Using in, the transmission of fund mainly still relies on mode and the third party of the direct payment by the transfer of accounts of traditional electronics
The mode of payment is completed, and the means of payment is single.
The content of the invention
Present invention is primarily targeted at providing the method and apparatus that a kind of refusal receives card, it is desirable to provide a kind of
The termination of electronic certificate by way of.
To achieve these objectives, the present invention proposes a kind of method that refusal receives card, is applied to server end, should
Method includes：
The refusal that receiving terminal sends collects the instruction of electronic certificate；
According to the status information of the electronic certificate process instruction for refusing to collect electronic certificate, and will process
As a result feed back to terminal；
Update the status information of the electronic certificate.
The invention allows for a kind of method that refusal receives card, it is adaptable to which terminal, the method include：
The due-in information for taking electronic certificate is received, the due-in information for taking electronic certificate includes the electronics
The identity information that voucher is specified；
Send the instruction that refusal collects electronic certificate；
The result at the reception server end.
The present invention also proposes that a kind of refusal for being applied to server end receives the device of card, and the device includes：
Receiver module, collects the instruction of electronic certificate for the refusal that receiving terminal sends；
Processing module, for collecting electronic certificate according to the status information of the electronic certificate process refusal
Instruction, and result is fed back to into terminal；
Update module, for updating the status information of the electronic certificate.
The method and apparatus that a kind of refusal provided by the present invention receives card, in the present invention, terminal receives card
After information, reject electronic certificate to change the state of electronic certificate by server end, so as to
A kind of termination of electronic certificate be increased by way of improve Consumer's Experience of the electronic certificate in interaction.
Description of the drawings
Fig. 1 is the method flow diagram that a kind of refusal that the embodiment of the present invention one is provided receives card；
Fig. 2 is the method flow diagram that a kind of refusal that the embodiment of the present invention two is provided receives card；
Fig. 3 is the method flow diagram that a kind of refusal that the embodiment of the present invention three is provided receives card；
Fig. 4 is the apparatus structure schematic diagram that a kind of refusal that the embodiment of the present invention four is provided receives card.
The realization of the object of the invention, functional characteristics and advantage will be done further in conjunction with the embodiments referring to the drawings
Explanation.
Specific embodiment
It should be appreciated that specific embodiment described herein is not used to limit only to explain the present invention
The fixed present invention.
In embodiments of the present invention, among electronic certificate is applied to a kind of new network means of payment,
Relative to traditional network payment mode, transaction risk is greatly reduced, ensured the interests of both parties.
Buyer is opened to institutions managing funds application using its account fund or the accrediting amount as guarantee fund, money
Golden administrative organization to promise to undertake and pay the electronic credit voucher that condition handles receipt and payment clearing according to solution.The means of payment is
With a kind of the Internet basis for innovation financial instrument of institutions managing funds credit acceptance and guarantee, it is primarily directed to
The product of buyer, downloads cashier access interface by the seller, completes opening L/C, selling for electronic certificate by buyer
Side completes receipts and demonstrate,proves and honour an agreement, submits to solution to pay, and last electronic credit voucher expires to solve automatically and pays.The payer
Formula not only can use commodity purchasing, it can also be used to mortgage.
In the basic flow process of electronic certificate, opener needs to fill in during bank's application for credit
The identity information of multiple information, such as opener, the accounts information for frozen capital, amount of opening L/C etc.,
In some cases, in addition it is also necessary to fill in receipts witness's information, solution and pay the data such as pattern, after the data of having filled in,
User to after bank's submission data completes to open L/C.
In embodiments of the present invention, electronic certificate is freezed according to the application of applicant with institutions managing funds
The fund of applicant or draw and is opened with bank's name the accrediting amount, and is promised to undertake and carried out according to agreed terms
The electronic credit acceptance and guarantee voucher of clearing.Electronic certificate can be the product for buyer, by under the seller
Cashier access interface is carried, the opening L/C of electronic certificate is completed by buyer, the seller completes receipts and demonstrate,proves and honour an agreement, carries
Solution is handed over to pay, last electronic certificate expires to solve automatically and pays.Electronic certificate not only can use commodity purchasing, also may be used
For mortgage.In embodiments of the present invention, institutions managing funds are referred to and can support Capital Flow
Mechanism, including but not limited to bank and other financial institutions (such as security organization).Correspondingly, fund pipe
Reason server includes the server of bank server or other financial institutions；Capital management account includes silver
Row loan account or the account of other financial institutions.
The flow process that network payment transaction is carried out by electronic certificate is substantially：After both parties form order,
Buyer is by applying for end (end of opening L/C) to (service of institutions managing funds of opening L/C of capital management server
Device) application for credit.Certainly, buyer can also when trading order form is not formed folk prescription active application for credit.
After capital management server accepts, electronic certificate is opened according to application of opening L/C, and it is corresponding to freeze buyer account
The fund or the accrediting amount of the amount of money.After the seller confirms an order, (card end namely this enforcement are received by selling square end
Terminal in example) to the second capital management server (receiving the server of card institutions managing funds) application
Card is received, card after the second capital management server authentication information is errorless, is received, electronic certificate is entered and honoured an agreement the phase,
The seller is waited to send commodity or provide service.After the seller honoured an agreement within the phase of honouring an agreement, take to the second capital management
Business device submits to information (such as logistics odd numbers) of honouring an agreement, the second capital management server to change the shape of electronic certificate
State, electronic certificate are entered and are signed for the phase, wait buyer to sign for commodity.When buyer signs for commodity within the phase of signing for
Afterwards, that is to say, that the seller pays condition according to the solution of electronic certificate and completes after corresponding terms of trade, electronics
Voucher enters solution and pays the phase.The seller is paid in the time limit in application solution, and the second capital management server of commission is to fund
Management server application solution is paid, and after capital management server judges that solution pair condition has been reached, releases to buying
Square account freezes the fund or the accrediting amount of the amount of money, by funds transfer to the second capital management server, by
Fund is proceeded to second capital management server the collecting account (receiving card account) that the seller specifies.So far,
Network payment is completed, whole transaction is completed.
In the embodiment of the present invention, terminal is to send to refuse to server end (namely capital management server)
The equipment of the instruction of electronic certificate is collected, can be an end for the operation of natural person, legal person or hetero-organization
End, receives witness (seller) and collects electronic certificate, server end root by the terminal to server end refusal
The instruction for refusing to collect electronic certificate is processed according to the status information of electronic certificate, and result is anti-
It is fed to terminal.
Embodiment one
Fig. 1 is the method flow diagram that a kind of refusal that the present embodiment is provided receives card.
The method that the refusal of the present embodiment receives card, including：
The refusal that S11, receiving terminal send collects the instruction of electronic certificate；
Before step S11, the seller or be called receipts witness, after a product is sold, buyer also cries
Opener is, is opened L/C to server end namely issuing bank's applying for electronic voucher, server end freezes opener
Electronic certificate is opened after the corresponding fund of account (or accrediting amount), and due-in power taking is sent to witness is received
The information of voucher, if receiving witness receives this electronic certificate, transaction is completed, if because of other reasonses, it is such as electric
Sub- voucher amount is not right, receives witness's refusal and receives card, is then sent out by the terminal to server end in the present embodiment
Go out the instruction that refusal collects electronic certificate, the refusal that received server-side terminal sends collects electronic certificate
Instruction.
S12, the instruction that electronic certificate is collected according to the status information of the electronic certificate process refusal, and will
Result feeds back to terminal；
S13, the status information for updating the electronic certificate；
In the present embodiment, after terminal receives card information, electronics is rejected by server end
Voucher, so as to increased a kind of termination of electronic certificate by way of improve electronic certificate in interaction
Consumer's Experience.
Embodiment two
The method that the refusal of the present embodiment receives card, including：
The refusal that S21, receiving terminal send collects the instruction of electronic certificate；
Electronic certificate refers to opener (buyer) using its bank account capital or the accrediting amount as guarantee
Open, Bank promise pays the electronic credit voucher that condition handles receipt and payment clearing according to solution, electronic certificate
Flow process of opening L/C is：I.e. requestee of opening L/C opens electronic certificate to its bank of deposit's application, and bank receives client
After application, can be according to guarantee condition of its bank account disposal capital, credit line or financial asset etc.
Situation, freezes the fund or assets of its application amount of money, outputs electronic certificate.Buyer is opened L/C after success, i.e.,
One section of receipts card phase of triggering.
The receipts card basic procedure of electronic certificate is as follows：Opener is to capital management server applying for electronic voucher
Open L/C, capital management server opens electronics after freezing the corresponding fund of opener's account (or accrediting amount)
Voucher；Receiving witness and card being received to server end application, server end is received according to the receipts card request for receiving witness and demonstrate,proved.
In the present embodiment, also include after step S21：
S22, the identity information submitted to according to terminal judge what whether the identity information was specified with electronic certificate
Identity information is consistent；
If the vendor identification information that the identity information that terminal is submitted to is specified with the electronic certificate is not corresponded,
Into step S25：The information alert of status incongruence is sent to terminal；Now can not then carry out refusing to receive card
Operation.
If the identity information that terminal is specified with the electronic certificate is consistent, into step S23.
S23, the instruction that electronic certificate is collected according to the status information of the electronic certificate process refusal, and will
Result feeds back to terminal；
In the present embodiment, electronic certificate is collected according to the status information of the electronic certificate process refusal
Instruction includes：
Server end obtains the status information of the electronic certificate, and the status information includes that electronic certificate is current
State in which：Such as, open L/C the phase, receive the card phase or because more than operation the time limit be in expiration date etc., state
Information can be called from the data base of the server end；
Judge whether the electronic certificate fails according to the status information, if failing, for example, surpassed
The receipts card time is spent, then need not carry out receipts card, need not also carry out the operation for refusing to receive card；
If not failing, judge whether the electronic certificate has received card, if having received card, cannot be again
Refusal receives card；
If the electronic certificate does not receive card, the state of the electronic certificate is updated to fail.
Specifically, judge whether the electronic certificate has received card, if so, then to electricity described in terminal feedback
Sub- voucher has been demonstrate,proved by receipts and has pointed out whether the seller needs the information return；When judging the electronic certificate
After not receiving card, to rejecting successful information described in the terminal feedback；Meanwhile, server end is to the electronics
The capital management server of voucher sends the information of the electronic certificate failure.
S24, the status information that the electronic certificate is updated according to the result, by the shape of electronic certificate
State is changed to failure state.
In the present embodiment, after terminal receives card information, electronics is rejected by server end
Voucher, so as to increased a kind of termination of electronic certificate by way of improve electronic certificate in interaction
Consumer's Experience.
Embodiment three
As shown in figure 3, the method that the refusal for being applied to terminal of the present embodiment receives card, including：
S31, the due-in information for taking electronic certificate of reception, the due-in information for taking electronic certificate includes described
The identity information that electronic certificate is specified；
In the present embodiment, terminal namely the seller or be called receipts witness, after a product is sold, buy
Side is also referred to as opener, opens L/C to capital management server namely issuing bank's applying for electronic voucher, fund pipe
Reason server opens electronic certificate after freezing the corresponding fund of opener's account (or accrediting amount), and to receipts
Witness sends the due-in information for taking electronic certificate, if receiving witness receives this electronic certificate, transaction is completed,
If because of other reasonses, such as electronic certificate number is not right, receives witness's refusal and receives card, then sends to server end
Refusal collects the instruction of electronic certificate；Wherein, the due-in information for taking electronic certificate includes the electronics
The identity information that voucher is specified.
S32, send refusal and collect the instruction of electronic certificate；
Received server-side is collected after the instruction of electronic certificate to this refusal, according to the identity letter that terminal is submitted to
Breath judges whether the identity information is consistent with the identity information that electronic certificate is specified；
If the vendor identification information that terminal is specified with the electronic certificate is not corresponded, identity is sent to terminal
The information alert not being inconsistent；The operation for refusing to receive card can not be then carried out now.
If the identity information that terminal is specified with the electronic certificate is consistent, according to the status information of electronic certificate
The instruction for refusing to collect electronic certificate is processed, and result is fed back to into terminal.
S33, the result at the reception server end.
In step S33, the situation of the result has following several：
After judging that the electronic certificate fails, to the fail message of the terminal feedback electronic certificate；
It is described to judge the electronic certificate also includes after whether having received card：If so, then to terminal feedback
The electronic certificate has been demonstrate,proved by receipts and has pointed out whether the seller needs the information return；When judging the electricity
After sub- voucher does not receive card, to rejecting successful information described in the terminal feedback；Meanwhile, server end is to institute
The capital management server for stating electronic certificate sends the information of the electronic certificate failure.
Example IV
As shown in figure 4, the refusal for being applied to server end of the present embodiment receives the device of card, including：
Receiver module, collects the instruction of electronic certificate for the refusal that receiving terminal sends；
Processing module, for collecting electronic certificate according to the status information of the electronic certificate process refusal
Instruction, and result is fed back to into terminal；
Update module, for updating the status information of the electronic certificate.
In the present embodiment, the processing module includes：
State acquisition module, for obtaining the status information of the electronic certificate, the status information includes electricity
The current state in which of sub- voucher：Such as, open L/C the phase, receive the card phase or because more than operation the time limit be in failure
Phase etc., status information can be called from the data base of the server end；
Failure judging unit, for judging whether the electronic certificate fails, if failing, for example
More than the card time is received, then receipts card need not be carried out, need not also carry out the operation for refusing to receive card；
Card judging unit is received, for when the electronic certificate does not fail, whether judging the electronic certificate
Card is received, if having received card, cannot refuse again to receive card；
Updating block, for when the electronic certificate does not receive card, the state for updating the electronic certificate is
Fail.
In the present embodiment, the feedback unit is specifically for after judging that the electronic certificate fails,
To the fail message of the terminal feedback electronic certificate；
After judging that the electronic certificate has received card, to electronic certificate described in the terminal feedback
Demonstrate,proved by receipts and point out whether the seller returns；
After judging that the electronic certificate does not receive card, successful information is processed to the terminal feedback.
In the present embodiment, the processing module also includes：
Failure feedback unit, for after judging that the electronic certificate fails, to terminal feedback electricity
The fail message of sub- voucher；
Card feedback unit is received, it is for after judging that the electronic certificate has received card, anti-to the terminal
Present the electronic certificate to have been demonstrate,proved by receipts and pointed out whether the seller returns；
Terminate feedback unit, for after judging that the electronic certificate does not receive card, to the terminal feedback
Process successful information.
One of ordinary skill in the art will appreciate that, realize all or part of step in above-described embodiment method
The hardware that correlation can be controlled by program is completed, and described program can be stored in a computer-readable
Take in storage medium, described storage medium can be ROM/RAM, disk, CD etc..
It should be appreciated that these are only the preferred embodiments of the present invention, it is impossible to therefore limit the present invention's
The scope of the claims, the equivalent structure or equivalent process made by every utilization description of the invention and accompanying drawing content become
Change, or be directly or indirectly used in other related technical fields, be included in the patent of the present invention in the same manner
In protection domain.
Claims (9)
1. a kind of method that refusal receives card, is applied to server end, it is characterised in that the method includes：
The refusal that receiving terminal sends collects the instruction of electronic certificate；
According to the status information of the electronic certificate process instruction for refusing to collect electronic certificate, and will process
As a result feed back to terminal；
Update the status information of the electronic certificate.
2. the method that a kind of refusal according to claim 1 receives card, it is characterised in that the reception
After the refusal that terminal sends collects the instruction of electronic certificate, at the status information according to the electronic certificate
Before the reason refusal collects the instruction of electronic certificate, also include：
Identity information identity whether corresponding with electronic certificate is judged according to the identity information that terminal is submitted to
Information is consistent；
If terminal identity information corresponding with the electronic certificate is consistent, into the shape according to electronic certificate
The step of refusal collects the instruction of electronic certificate described in state information processing.
3. the method that a kind of refusal according to claim 2 receives card, it is characterised in that the basis
The identity information that terminal is submitted to judges whether the identity information is consistent with the identity information that electronic certificate is specified
Also include afterwards：
If the vendor identification information that terminal is specified with the electronic certificate is not corresponded, identity is sent to terminal
The information alert not being inconsistent.
4. the method that a kind of refusal according to claim 3 receives card, it is characterised in that the basis
The status information of electronic certificate processes the instruction for refusing to collect electronic certificate to be included：
Obtain the status information of the electronic certificate；
Judge whether the electronic certificate fails；
If not failing, judge whether the electronic certificate has received card；
If the electronic certificate does not receive card, the state of the electronic certificate is updated to have failed.
5. the method that a kind of refusal according to claim 4 receives card, it is characterised in that the method is also
Including：
After judging that the electronic certificate fails, to the fail message of the terminal feedback electronic certificate；
After judging that the electronic certificate has received card, to electronic certificate described in the terminal feedback
Demonstrate,proved by receipts and point out whether the seller returns；
After judging that the electronic certificate does not receive card, successful information is processed to the terminal feedback.
6. a kind of method that refusal receives card, it is adaptable to terminal, it is characterised in that the method includes：
The due-in information for taking electronic certificate is received, the due-in information for taking electronic certificate includes the electronics
The identity information that voucher is specified；
Send the instruction that refusal collects electronic certificate；
The result at the reception server end.
7. a kind of refusal receives the device of card, is applied to server end, it is characterised in that the device includes：
Receiver module, collects the instruction of electronic certificate for the refusal that receiving terminal sends；
Processing module, for collecting electronic certificate according to the status information of the electronic certificate process refusal
Instruction, and result is fed back to into terminal；
Update module, for updating the status information of the electronic certificate.
8. a kind of refusal according to claim 7 receives the device of card, it is characterised in that the process
Module includes：
State acquisition module, for obtaining the status information of the electronic certificate；
Failure judging unit, for judging whether the electronic certificate fails；
Card judging unit is received, for when the electronic certificate does not fail, whether judging the electronic certificate
Card is received；
Updating block, for when the electronic certificate does not receive card, the state for updating the electronic certificate is
Fail.
9. a kind of refusal according to claim 8 receives the device of card, it is characterised in that the process
Module also includes：
Failure feedback unit, for after judging that the electronic certificate fails, to terminal feedback electricity
The fail message of sub- voucher；
Card feedback unit is received, it is for after judging that the electronic certificate has received card, anti-to the terminal
Present the electronic certificate to have been demonstrate,proved by receipts and pointed out whether the seller returns；
Terminate feedback unit, for after judging that the electronic certificate does not receive card, to the terminal feedback
Process successful information.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510430808.8A CN106548399A (en) | 2015-09-23 | 2015-09-23 | The method and apparatus that a kind of refusal receives card |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510430808.8A CN106548399A (en) | 2015-09-23 | 2015-09-23 | The method and apparatus that a kind of refusal receives card |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106548399A true CN106548399A (en) | 2017-03-29 |
Family
ID=58361209
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510430808.8A Pending CN106548399A (en) | 2015-09-23 | 2015-09-23 | The method and apparatus that a kind of refusal receives card |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106548399A (en) |
-
2015
- 2015-09-23 CN CN201510430808.8A patent/CN106548399A/en active Pending
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20190066070A1 (en) | Methods and system for utilizing cash with online activities | |
| CA3077154C (en) | Network transaction payment method and system | |
| CA2994878C (en) | Method, device, and system for determining electronic certificate recipient | |
| CA3055642A1 (en) | Payment system based on shared funds-management server, and method, device and server therefor | |
| CN106372936A (en) | Electronic certificate change method, system and apparatus, and data interaction processing method, system and apparatus | |
| CA2993110C (en) | Online transaction method, device and system | |
| CN106372913A (en) | Performance information transmission method, apparatus, and system for electronic certificate | |
| CN106548399A (en) | The method and apparatus that a kind of refusal receives card | |
| CN106709802A (en) | Electronic voucher issuing method, system and device | |
| CN106709719A (en) | Method, device and system for issuing electronic certificate | |
| CN106372902A (en) | Certificate receipt method, apparatus, and system for electronic certificate | |
| CN106709722A (en) | Solution pay information transmission method, apparatus and system of electronic certificate | |
| CN106372934A (en) | Electronic certificate receiver determining method, apparatus and system | |
| CN106372912A (en) | Solution pay information transmission method, apparatus, and system of electronic certificate | |
| CA2993109C (en) | Online transaction method, device and system | |
| CA2993087C (en) | Online transaction method, device and system | |
| CN106651365A (en) | Network payment method, system and device | |
| CN106709720A (en) | Method, device and system for transmitting fulfillment information of electronic certificate | |
| CN106355402A (en) | Electronic certificate application withdrawing method, device and system | |
| CA3123658A1 (en) | Online transaction method, device and system | |
| CA3082139C (en) | Payment system based on shared funds-management server, and method, device and server therefor | |
| CA2993089C (en) | Online transaction method, device and system | |
| CA2993091C (en) | Online transaction method, device and system | |
| CN106372901A (en) | Certificate receiving method, apparatus, and system | |
| CN106372926A (en) | Solution pay information transmission method, apparatus, and system of electronic certificate |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170329 |