CN106709717A - Certificate receiving method, device and system - Google Patents
Certificate receiving method, device and system Download PDFInfo
- Publication number
- CN106709717A CN106709717A CN201510428544.2A CN201510428544A CN106709717A CN 106709717 A CN106709717 A CN 106709717A CN 201510428544 A CN201510428544 A CN 201510428544A CN 106709717 A CN106709717 A CN 106709717A
- Authority
- CN
- China
- Prior art keywords
- card
- electronic certificate
- management server
- square end
- capital management
- 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.)
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Classifications
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- 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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
The invention is suitable for the field of network payment, and provides a certificate receiving method, device and system. The method comprises the following steps that a certificate receiving request and identity information transmitted by a seller side are received, wherein the certificate receiving request includes electronic certificate information; the identity information of the seller side is verified; and an electronic certificate is received when verification is passed. The payment flow can be simplified by the certificate receiving method, device and system.
Description
Technical field
The invention belongs to network payment technical field, more particularly to a kind of receipts card method, device and device.
Background technology
Traditional network payment instrument, such as Web bank, Third-party payment, by direction bank or the branch of paying the bill
Pay mechanism and send accounting payment instruction, from the beneficiary bill payment fund that paying party account is specified to paying party,
Do not possess the gathering flow of beneficiary, beneficiary bank or payment mechanism are only receiving what payment mechanism remitted
After fund, payee account is put under.
In the above-mentioned means of payment, initiated to pay by paying party, it is complete, accurate that paying party must obtain paying party
Accounts information can be paid, once and paying party has mistaken payment object or the amount of money, fund is by nothing
What method was reversed pays to error account, causes that fund is difficult to recover or cost addition is very big, while also to being return not
When the payee for getting profit causes trouble.
The content of the invention
The purpose of the embodiment of the present invention is to provide a kind of method and device for receiving card, it is intended to solve existing network
Payment needs to provide the complete accounts information just payable problem for causing inefficiency.
The embodiment of the present invention is achieved in that a kind of receipts card method, is applied to the second capital management server,
Methods described comprises the following steps：
The request of receipts card and the identity information of square end transmission are sold in reception；The card of receiving asks to include electronic certificate information；
The identity information of square end is sold described in checking；
Electronic certificate is received when being verified.
Further, the reception electronic certificate is specifically included：
The identity information and electronic certificate of square end are sold described in association；
The state of the electronic certificate is updated to have received card.
Further, after the reception electronic certificate, also include：
Generation has been received card and has been notified, and is sent to the first capital management server.
Further, after the reception electronic certificate, also include：
The notice opened an account is sent to square end is sold.
Further, methods described also includes：
The true and false of electronic certificate described in the second capital management server authentication.
The present invention also proposes a kind of receipts card device, for the second capital management server, including：
Receiver module, the request of receipts card and the identity information of square end transmission are sold for receiving；It is described to receive card request bag
Include electronic certificate information；
Authentication module, for verifying the identity information for selling square end；
Card module being received, electronic certificate is received during for being verified.
Further, the card module of receiving includes：
Associative cell, for associating the identity information and electronic certificate for selling square end；
Updating block, for updating the state of the electronic certificate to have received card.
Further, also include：
First notification module, has received card notice, and send to the first capital management server for generating.
Further, described device also includes：
Second notification module, for sending the notice opened an account to selling square end.
Further, the second capital management server also includes：
Correction verification module, the true and false for examining the electronic certificate.
The present invention also propose it is a kind of receive card system, including the second capital management server and sell square end, wherein,
Described to sell square end, the notice generation of opening L/C for being sent according to buyer end is opened L/C request, and is opened described
Card asks and sells the identity information of square end to send to the second capital management server；The request bag of opening L/C
Include electronic certificate information；
The second capital management server, for verifying the identity information for selling square end；And it is logical in checking
Out-of-date to receive silver letter card electronic certificate, transmission is received card and is notified to the first capital management server.
The receipts card method of embodiment of the present invention electronic certificate, apparatus and system, are applied to electronic certificate and pay work
In dynamic, receipts card is carried out according to the identity information for selling square end by the second capital management server, when the body for selling square end
Part information directly receives card when correct, can completely be paid without the accounts information for paying, and simplifies payment flow,
Improve receipts card efficiency.
Brief description of the drawings
Fig. 1 is the flow chart of the method for the receipts card that the embodiment of the present invention one is provided；
Fig. 2 is the structure chart of the device of the receipts card that the embodiment of the present invention two is provided；
Fig. 3 is another structure chart of the device of the receipts card that the embodiment of the present invention two is provided；
Fig. 4 is the structure chart of receipts card module in the device that the receipts that the embodiment of the present invention two is provided are demonstrate,proved；
Fig. 5 is the structure chart of the system of the receipts card that the embodiment of the present invention three is provided.
Specific embodiment
In order to make the purpose , technical scheme and advantage of the present invention be clearer, below in conjunction with accompanying drawing and reality
Example is applied, the present invention will be described in further detail.It should be appreciated that specific embodiment described herein is only
Only it is used to explain the present invention, is not intended to limit the present invention.
Electronic certificate involved in the present invention refers to opener (buyer end) with its bank account capital or credit
Amount is opened as guarantee, and bank's (the first capital management server) promises to undertake that paying condition according to solution handles
The electronic credit voucher of receipt and payment clearing.Electronic certificate primarily directed to buyer product, by seller (selling square end)
Download cashier access interface, by buyer complete the opening L/C of electronic certificate, seller complete receipts demonstrate,prove and honour an agreement, Shen
Please solve pay, bank judge solution pay a condition reach after perform solution pay.Electronic certificate can not only use commodity purchasing,
Mortgage is can also be used for, for example personal bankable bill issues the letter of credit, in this, as the load provided a loan to other people
Protect.
In the embodiment of the present invention, electronic certificate basic service flow is：Institutions managing funds are according to opener's
Application freezes required number fund to open electronic certificate, when agreement solution pays condition to be reached, by capital management
Fund solution is paid and handles payment and settlement by mechanism.It is specific as follows：
1. after transaction body both sides form order, opener (such 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 form specific
Application for credit during trading order form；Can be when trading order form not be formed yet, opener's folk prescription active application for credit.).
2. open L/C after mechanism accepts, open the fund or the accrediting amount of electronic certificate and freeze corresponding amount.
3. receive witness (such as seller) and receive card to Shou Zheng mechanisms (such as recipient bank) application.
4. card is received after Shou Zheng mechanisms checking information is errorless, and electronic certificate enters is honoured an agreement the phase, and receiving witness is carried out
Honour an agreement (such as businessman sends commodity, you can think to be honoured an agreement).
5. after receipts witness honours an agreement, electronic certificate obtains information of honouring an agreement, and the silver-colored letter state of change, electronic certificate enters
Sign for the phase, wait being sent to for commodity, sign for commodity.
6. after opener signs for commodity, that is, witness is received according to the solution of electronic certificate pair condition completion electronics
After terms of trade corresponding to voucher, commission Shou Zheng mechanisms pay to mechanism's application solution of opening L/C.
7. mechanism releases of opening L/C freeze to opener's account fund, by funds transfer to Shou Zheng mechanisms, receive card
Fund is transferred to receipts witness's account by mechanism.
It should be appreciated that above-mentioned is only that, with a kind of mode of electronic certificate, can also be with electronic certificate purchase
The service of buying.When service is bought, such as firmly in the transaction scene in hotel, hotel reservation success, i.e., hotel is carried out
Honour an agreement.
Certainly, electronic certificate can also apply to allotted fund.During different situations, the understanding honoured an agreement and sign for
Also it is varied from.That is, when businessman provides a kind of commodity or service, just may 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, and such as concludes the business face to face.
Buyer end (terminal that opener holds) involved in the present invention；Square end is sold (to receive witness, refer to opener
That specifies receives the lower fund one end of electronic certificate)；First capital management server (Opening Bank), connects
By the request at opener (buyer end), electronic certificate is opened by its offer and the information for confirming；Second fund
Management server (recipient bank), receives to receive the request of witness, and electricity is received by its offer and the information for confirming
Sub- voucher.
Embodiment one
As shown in figure 1, a kind of card method of receiving that the embodiment of the present invention one is proposed includes step：
S1, the second capital management server receive the request of receipts card and identity information for selling square end transmission；The receipts are demonstrate,proved
Request includes electronic certificate information.
After both parties form order, buyer end is to the first capital management server application for credit.First fund
After Opening Bank where management server accepts, fund or the credit of electronic certificate and freeze corresponding amount are opened
Amount.Square end is sold after the notice of opening L/C for having opened electronic certificate is received, card request is received in generation, will receive card please
Ask, sell the identity information of square end to send to the second capital management server.
S2, checking sell the identity information of square end.Second capital management server is carried out to the identity information for receiving
Checking, the second capital management server identity information for selling square end that can be prestored by local terminal and the identity for receiving
Information is contrasted, and when contrasting consistent, decision verification passes through.Above-mentioned identity information can be the body for receiving witness
The unique information such as part card number, social security number, photo.
S3, receive electronic certificate when being verified.Second capital management server after authentication passes through i.e.
Card is received, without examining accounts information again.Further, the second capital management server examines the electronics for receiving
The true and false of voucher, the second capital management server can send checking request by the first capital management server；
Or, verifying the electronic signature of the electronic certificate to examine electronic certificate.Second capital management server is received
Electronic certificate is actually to sell square end to provide collecting account or identity to card row is received, and informs the second fund
The management server collecting account or the corresponding electronic certificate information of identity, the second capital management server authentication
Afterwards, electronic certificate registration is sold under the corresponding account or identity for receiving witness of square end, square end and electronics are sold in association
Voucher, the state of the second capital management server update electronic certificate is to have received the process of card.
Further, after the second capital management server receives card, the second capital management server can also be generated
Card is received to notify, and has sent to the first capital management server.
Further, after the second capital management server receives card, the second capital management server is also to the seller
End sends the notice opened an account.
Hereafter, electronic certificate enters and honours an agreement the phase, receives witness and is honoured an agreement (such as businessman sends commodity).Receive card
After people honours an agreement, electronic certificate obtains information of honouring an agreement, and changes silver-colored letter state, and electronic certificate enters signs for the phase (etc.
Being sent to for commodity is treated, commodity are signed for).After opener signs for commodity, that is, receive witness according to electronics with
After the solution of card pays the terms of trade that condition completes electronic certificate institute buyer end, the second capital management server is entrusted
Paid to the first capital management server application solution.First capital management server is released to opener's account fund
Freeze, by funds transfer to the second capital management server, be transferred to for fund by the second capital management server
Receive witness's account.Because electronic certificate can apply to allotted fund, therefore, in practical application, honour an agreement and
Sign for omitting, when honouring an agreement and signing for omitting, the first capital management server is receiving the second fund pipe
After managing the card notice of receipts of server, directly by funds transfer to the second capital management server.
The receipts card method of embodiment of the present invention electronic certificate, is applied in electronic certificate payment activity, by second
Capital management server carries out receipts card according to the identity information for selling square end, when the identity information for selling square end is correct
Card is directly received, can completely be paid without the accounts information for paying, simplify payment flow.
Embodiment two
The embodiment of the present invention two proposes a kind of receipts card device, for the second capital management server.Such as Fig. 2 institutes
Show, the second capital management server of the embodiment of the present invention two includes：
Receiver module 10, the request of receipts card and the identity information of square end transmission are sold for receiving；The receipts demonstrate,prove request bag
Include electronic certificate；
Authentication module 20, the identity information of square end is sold for verifying；
Card module 30 being received, electronic certificate is received during for being verified.
As shown in figure 3, the device of the embodiment of the present invention two may also include：
Correction verification module 40, the true and false for examining electronic certificate.
First notification module 50, has received card notice, and send to the first capital management server for generating.
Second notification module 60, can be used to send the notice opened an account to selling square end.
As shown in figure 4, receive card module 30 including：
Associative cell 31, the identity information and electronic certificate of square end are sold for associating；
Updating block 32, for updating the state of electronic certificate to have received card.
Specifically, after both parties form order, buyer end is to the first capital management server application for credit.
After Opening Bank where first capital management server accepts, the money of electronic certificate and freeze corresponding amount is opened
Gold or the accrediting amount.Square end is sold after the notice of opening L/C for having opened electronic certificate is received, card request is received in generation,
Card will be received asks, sells the identity information of square end to send to the receiver module 10 of the second capital management server.
20 pairs of identity informations for receiving of authentication module verify, what authentication module 20 can be prestored by local terminal
The identity information for selling square end is contrasted with the identity information for receiving, and when contrasting consistent, decision verification passes through.
Above-mentioned identity information can be the unique informations such as identification card number, social security number, the photo of receipts witness.
When being verified, receive card module 30 and receive electronic certificate.Receive card module 30 and receive electronic certificate reality
On be sell square end to receive card row provide collecting account or identity, and inform the second capital management server should
Collecting account or the corresponding electronic certificate information of identity, after square end identity is sold in checking, associative cell 31 is by electronics
Voucher registration is sold under the corresponding account or identity for receiving witness of square end, and updating block 32 updates the shape of electronic certificate
State is to have received the process of card.
Receive card module 30 and received after authentication passes through and demonstrate,prove, without examining accounts information again.
Further, correction verification module 40 examines the true and false of the electronic certificate for receiving, and validating module 40 can pass through
Checking request is sent to the first capital management server；Or, verifying the electronic signature of electronic certificate to examine electricity
Sub- voucher.
Further, after the card receipts card of module 30 is received, the first notification module 50 can also be generated to have received to demonstrate,prove and notified,
And send to the first capital management server.
Further, receive card module 30 receive card after, the second notification module 60 also to sell square end send open up
The notice of account.
Hereafter, electronic certificate enters and honours an agreement the phase, receives witness and is honoured an agreement (such as businessman sends commodity).Receive card
After people honours an agreement, electronic certificate obtains information of honouring an agreement, and changes silver-colored letter state, and electronic certificate enters signs for the phase (etc.
Being sent to for commodity is treated, commodity are signed for).After opener signs for commodity, that is, receive witness according to electronics with
After the solution of card pays the terms of trade that condition completes electronic certificate institute buyer end, the second capital management server is entrusted
Paid to the first capital management server application solution.First capital management server is released to opener's account fund
Freeze, by funds transfer to the second capital management server, be transferred to for fund by the second capital management server
Receive witness's account.Because electronic certificate can apply to allotted fund, therefore, in practical application, honour an agreement and
Sign for omitting, when honouring an agreement and signing for omitting, the first capital management server is receiving the second fund pipe
After managing the card notice of receipts of server, directly by funds transfer to the second capital management server.
Second capital management server of embodiment of the present invention electronic certificate, is applied to electronic certificate payment activity
In, receipts card is carried out according to the identity information for selling square end, card is directly received when the identity information for selling square end is correct,
The accounts information that need not be paid can completely pay, and simplify payment flow.
Embodiment three
The embodiment of the present invention three proposes a kind of system for receiving card, as shown in figure 5, the system includes the second fund
Management server 200 and square end 400 is sold, wherein,
Square end 400 is sold, the notice generation of opening L/C for being sent according to buyer end is opened L/C request, and will open L/C and ask
The identity information that square end is sold in summation is sent to the second capital management server 200；The request of opening L/C includes electronics
Credential information；
Second capital management server 200, the identity information of square end 400 is sold for verifying；And it is logical in checking
Out-of-date to receive silver letter card electronic certificate, transmission is received card and is notified to the first capital management server.
Presently preferred embodiments of the present invention is the foregoing is only, is not intended to limit the invention, it is all in this hair
Any modification, equivalent and improvement made within bright spirit and principle etc., should be included in the present invention
Protection domain within.
Claims (11)
1. it is a kind of to receive card method, it is applied to the second capital management server, it is characterised in that methods described bag
Include following steps：
The request of receipts card and the identity information of square end transmission are sold in reception；The card of receiving asks to include electronic certificate information；
The identity information of square end is sold described in checking；
Electronic certificate is received when being verified.
2. it is as claimed in claim 1 to receive card method, it is characterised in that the reception electronic certificate is specifically wrapped
Include：
The identity information and electronic certificate of square end are sold described in association；
The state of the electronic certificate is updated to have received card.
It is 3. as claimed in claim 1 to receive card method, it is characterised in that after the reception electronic certificate,
Also include：
Generation has been received card and has been notified, and is sent to the first capital management server.
It is 4. as claimed in claim 3 to receive card method, it is characterised in that after the reception electronic certificate,
Also include：
The notice opened an account is sent to square end is sold.
5. the receipts as any one of Claims 1-4 demonstrate,prove method, it is characterised in that methods described is also
Including：
The true and false of electronic certificate described in the second capital management server authentication.
6. it is a kind of to receive card device, for the second capital management server, it is characterised in that including：
Receiver module, the request of receipts card and the identity information of square end transmission are sold for receiving；It is described to receive card request bag
Include electronic certificate information；
Authentication module, for verifying the identity information for selling square end；
Card module being received, electronic certificate is received during for being verified.
7. it is as claimed in claim 6 to receive card device, it is characterised in that the receipts card module includes：
Associative cell, for associating the identity information and electronic certificate for selling square end；
Updating block, for updating the state of the electronic certificate to have received card.
8. it is as claimed in claim 6 to receive card device, it is characterised in that also to include：
First notification module, has received card notice, and send to the first capital management server for generating.
9. it is as claimed in claim 8 to receive card device, it is characterised in that described device also includes：
Second notification module, for sending the notice opened an account to selling square end.
10. the receipts card device as any one of claim 6 to 8, it is characterised in that described second
Capital management server also includes：
Inspection module, the true and false for examining the electronic certificate.
11. a kind of receive card systems, it is characterised in that including the second capital management server and sell square end, its
In,
Described to sell square end, the notice generation of opening L/C for being sent according to buyer end is opened L/C request, and is opened described
Card asks and sells the identity information of square end to send to the second capital management server；The request bag of opening L/C
Include electronic certificate information；
The second capital management server, for verifying the identity information for selling square end；And in checking
By when receive silver letter card electronic certificate, send and receive card and notify to the first capital management server.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510428544.2A CN106709717A (en) | 2015-07-21 | 2015-07-21 | Certificate receiving method, device and system |
| PCT/CN2015/084640 WO2017012048A1 (en) | 2015-07-21 | 2015-09-21 | Method, device, and system for receiving certificate |
| CA2994575A CA2994575C (en) | 2015-07-21 | 2015-09-21 | Method, device, and system for receiving certificate |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510428544.2A CN106709717A (en) | 2015-07-21 | 2015-07-21 | Certificate receiving method, device and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106709717A true CN106709717A (en) | 2017-05-24 |
Family
ID=57833679
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510428544.2A Pending CN106709717A (en) | 2015-07-21 | 2015-07-21 | Certificate receiving method, device and system |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106709717A (en) |
| CA (1) | CA2994575C (en) |
| WO (1) | WO2017012048A1 (en) |
Family Cites Families (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101114397A (en) * | 2006-07-28 | 2008-01-30 | 阿里巴巴公司 | Payment system for trading with ID card containing IC card and method thereof |
| CN103186860A (en) * | 2011-12-30 | 2013-07-03 | 上海博泰悦臻电子设备制造有限公司 | Electronic payment system based on cloud data processing technology |
| CN102968717A (en) * | 2012-11-07 | 2013-03-13 | 华为技术有限公司 | Electronic payment method, relevant device and system |
| US10037530B2 (en) * | 2013-06-13 | 2018-07-31 | Paypal, Inc. | Payment recipient verification |
| CN103489104A (en) * | 2013-09-18 | 2014-01-01 | 俞强华 | Security payment method and system |
| CN104021472A (en) * | 2014-05-30 | 2014-09-03 | 中国工商银行股份有限公司 | Identity verification method and system |
| CN104252731B (en) * | 2014-09-04 | 2017-05-24 | 天津大学 | High-safety wireless transaction method based on self-authentication mechanism efficiency |
-
2015
- 2015-07-21 CN CN201510428544.2A patent/CN106709717A/en active Pending
- 2015-09-21 CA CA2994575A patent/CA2994575C/en active Active
- 2015-09-21 WO PCT/CN2015/084640 patent/WO2017012048A1/en active Application Filing
Also Published As
| Publication number | Publication date |
|---|---|
| CA2994575C (en) | 2021-12-07 |
| WO2017012048A1 (en) | 2017-01-26 |
| CA2994575A1 (en) | 2017-01-26 |
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| PB01 | Publication | ||
| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170524 |
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| WD01 | Invention patent application deemed withdrawn after publication |