CN106886929A - A kind of method for generating electronic certificate, device and system - Google Patents
A kind of method for generating electronic certificate, device and system Download PDFInfo
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- CN106886929A CN106886929A CN201510928738.9A CN201510928738A CN106886929A CN 106886929 A CN106886929 A CN 106886929A CN 201510928738 A CN201510928738 A CN 201510928738A CN 106886929 A CN106886929 A CN 106886929A
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- card
- electronic certificate
- opened
- management server
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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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
- G06Q30/00—Commerce
- G06Q30/01—Customer relationship services
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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Abstract
The embodiment of the invention discloses a kind of method for generating electronic certificate, comprise the following steps：Seller terminal receives the notice of having opened L/C for the first electronic certificate that buyer terminal or the first capital management server send, and being comprised at least in the notice of having opened L/C has commodity customized information；Seller terminal generates the second electronic certificate according to the commodity customized information.Correspondingly, the embodiment of the invention also discloses a kind of apparatus and system for generating electronic certificate.By implementing technical scheme, both associate silver letter card and thing can be believed into card, information according to silver letter card believes card come product, such that it is able to substantially reduce the risk in goods made to order process of exchange, it is possible to realize automation, intelligentized customization transaction.
Description
Technical field
The present invention relates to financial technology field, more particularly to a kind of method for generating electronic certificate, device and system.
Background technology
With the popularization and the lifting of logistic efficiency of network, shopping at network has been increasingly becoming modern and has likeed best what is used
One of mode is selected and purchased, its overall trading volume is amplified also thus constantly, therefore ecommerce is increasingly paid attention to by people, and
The important development trend of business opportunity is expanded as all trades and professions.
During traditional shopping at network, buyer needs the commodity in the selection purchase of the electric business network platform, then uses
Transfer accounts, remit money or the mode of cash is paid, but use this back-to-back network trading mode, do not only exist substantial amounts of
Transaction risk（Such as there are the quality problems of flaw, kinds of goods in goods）, and cannot guarantee that consumer's after completion of transactions
Rights and interests.Although in recent years in some electric business platforms（Such as Taobao, day cat）Payment for goods first is converged to third party transaction platform with by upper use
The mode that row third party commission pays（Such as Alipay）To reduce transaction risk, but because third-party platform there is also some wind
Danger, therefore also cannot completely ensure the safety of consumer network's transaction.
Particularly under the applied environment of some Special Orders, the security requirement to financial payment is more protruded, wherein,
Say that Special Orders refer to that buyer proposes commodity customized demand herein, the seller produces corresponding commodity and goes out according to commodity customized information
Sell to buyer.And in the process of exchange of existing commodity customization, buyer needs to pay certain number deposit in advance to the seller, i.e.,
In advance by the account of the allocation of the funds to the seller, if due to a variety of causes, there are the feelings cancelled or fail to buyer in the transaction
Shape, current mechanism has no idea to ensure that the deposit of buyer paid can in time return to buyer, therefore the friendship of existing Special Orders
There is certain transaction risk in easy mode.
The content of the invention
In view of the deficiencies in the prior art, the embodiment of the present invention provides a kind of method for generating electronic certificate, device and is
System, the commodity customized information product letter card in the silver letter card that the seller can issue according to buyer, orders such that it is able to improve commodity
The security of the transaction in system.
In order to reach foregoing invention purpose, a kind of method for generating electronic certificate, the method are the embodiment of the invention provides
Comprise the following steps that seller terminal receives that buyer terminal or the first capital management server send for the first electronic certificate
Open L/C notice, being comprised at least in the notice of having opened L/C has commodity customized information；
Seller terminal generates the second electronic certificate according to the commodity customized information.
Wherein, the seller terminal receive from buyer terminal or the first capital management server for the first electronics
Further included before the step of the notifying of having opened L/C of voucher：
Seller terminal receives the notice of having opened L/C of buyer terminal broadcast transmission, and judges whether to agree to as seller terminal.
Wherein, the seller terminal is according to the commodity customized information, includes the step of the second electronic certificate of generation：
Seller terminal opened L/C according to notify in commodity customized information, generate the second electronic certificate.
Wherein, the commodity customized information in the seller terminal opens L/C notice according to, generates the second electronic certificate
The step of after further include：
Seller terminal has been opened L/C according to and has notified that generating one receives card request, and the receipts card request is sent into the second fund pipe
Reason server, so that the second capital management server is verified to the information received during card is asked；
Seller terminal receives the second capital management server and is verified and carried out receipts card to the information received during card is asked
After treatment send receipts card notify, it is described received card notify in comprise at least have merchandise news.
Wherein, the seller terminal is according to the commodity customized information, includes the step of the second electronic certificate of generation：
Seller terminal has been opened L/C according to and has notified that generating one receives card request, and the receipts card request is sent into the second fund pipe
Reason server, so that the second capital management server is verified to the information received during card is asked；
Seller terminal receives the second capital management server and is verified and carried out receipts card to the information received during card is asked
After treatment send receipts card notify, it is described received card notify in comprise at least have merchandise news；
Seller terminal has received the commodity customized information during card is notified according to, generates the second electronic certificate.
Correspondingly, the another aspect of the embodiment of the present invention, additionally provides a kind of device for generating electronic certificate, is applied to sell
Square terminal, it includes：
Open L/C notification receiving unit, for receiving buyer terminal or the first capital management server sends for the first electronics
The notice of having opened L/C of voucher, being comprised at least in the notice of having opened L/C has commodity customized information；
Second electronic certificate generation unit, for according to the commodity customized information, generating the second electronic certificate.
Wherein, further include：
Judging unit, for receiving notice of having been opened L/C described in buyer terminal broadcast transmission, and judges whether to agree to as the seller
Terminal.
Wherein, the second electronic certificate generation unit includes：
First generation unit, letter is customized for the commodity in notifying of opening L/C that notification receiving unit of having been opened L/C according to is received
Breath, generates the second electronic certificate.
Wherein, further include：
Card request generation unit is received, card request is received for notice generation one of having been opened L/C according to, and card request hair is received by described
The second capital management server is given, so that the second capital management server is verified to the information received during card is asked；
Card notification receiving unit is received, has been carried out to the information received during card is asked for receiving the second capital management server
Verify and carry out receive card treatment after send receipts card notify, it is described received card notify in comprise at least have merchandise news.
Wherein, the second electronic certificate generation unit is further included：
Card request generation unit is received, card request is received for notice generation one of having been opened L/C according to, and card request hair is received by described
The second capital management server is given, so that the second capital management server is verified to the information received during card is asked；
Card notification receiving unit is received, has been verified to the information received during card is asked for the second capital management server
And carry out receive card treatment after send receipts card notify, it is described received card notify in comprise at least have merchandise news；
Second generation unit, for having received the commodity customization received during card is notified that card notification receiving unit is received according to
Information, generates the second electronic certificate.
Correspondingly, the another further aspect of the embodiment of the present invention, also provides a kind of system for generating electronic certificate, including buyer's end
End, the first capital management server, seller terminal and the second capital management server, wherein：
Buyer terminal, for sending request of opening L/C to the first capital management server, the first electronic certificate is opened in request, described to open
The amount of money of opening L/C, account of opening L/C, commodity customized information are included in card request；
First capital management server, for being audited to the request of opening L/C, and opens the first electronic certificate, and described first
Include the commodity customized information in electronic certificate；After the first electronic certificate is opened, notice of having opened L/C is generated, and will be described
Notice of having opened L/C is sent to the buyer terminal or the seller terminal specified in request of opening L/C；
Seller terminal, including a kind of foregoing generation electronic certificate device；
Second capital management server, for being verified to the information received during card is asked, corresponding to checking seller terminal
Receipts witness identity, accounts information, and verify the commodity letter in merchandise news and the second electronic certificate in the first electronic certificate
Whether breath is consistent, and after being verified, first electronic certificate is carried out to receive card treatment, or to described after checking does not pass through
First electronic certificate carry out refusal receive card treatment, and receive card after will receive card notice be sent to the seller terminal.
Implement the embodiment of the present invention, have the advantages that：
Technical scheme provided in an embodiment of the present invention, is realized in commodity customization procedure, and buyer is only needed by issuing silver letter card
Frozen capital, i.e. buyer only need the seller to make promise to pay, without directly to seller payments deposit, greatly reducing transaction
Risk；
Meanwhile, silver letter card and thing letter card are combined, commodity customized information product of the seller in silver letter card believes card, this
Sample, can be based on buyer and be configured for the duration such as the phase of honouring an agreement, the phase of signing for of silver letter card, so as to the delivery availability to the seller,
Arrival time etc. is limited, once the seller does not handle the flow such as honour an agreement on time, then the seller will can not receive payment for goods, further improve
The security of transaction.
Brief description of the drawings
In order to illustrate more clearly about the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing
The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this
Some embodiments of invention, for those of ordinary skill in the art, on the premise of not paying creative work, can be with
Other accompanying drawings are obtained according to these accompanying drawings.
Fig. 1 is a kind of main flow schematic diagram of the method first embodiment of generation electronic certificate that the present invention is provided；
Fig. 2 is a kind of main flow schematic diagram of the method second embodiment of generation electronic certificate that the present invention is provided；
Fig. 3 is a kind of main flow schematic diagram of the method 3rd embodiment of generation electronic certificate that the present invention is provided；
Fig. 4 is a kind of structural representation of the device first embodiment of generation electronic certificate that the present invention is provided；
Fig. 5 is a kind of structural representation of the device second embodiment of generation electronic certificate that the present invention is provided；
Fig. 6 is a kind of structural representation of the device 3rd embodiment of generation electronic certificate that the present invention is provided；
Fig. 7 is the schematic flow sheet of present invention product letter card in the first application scenario；
Fig. 8 is the schematic flow sheet of present invention product letter card in the second application scenario；
Fig. 9 is the schematic flow sheet of present invention product letter card in the 3rd application scenario；
Figure 10 is the schematic flow sheet of present invention product letter card in the 4th application scenario.
Specific embodiment
In order that the technical problems to be solved by the invention, technical scheme and beneficial effect are clearer, clear, below tie
Drawings and Examples are closed, the present invention will be described in further detail.It should be appreciated that specific embodiment described herein is only
It is used to explain the present invention, is not intended to limit the present invention.
For the ease of understanding the present invention, the several important noun being related in the present invention is illustrated first, it is specific as follows：
Silver letter card：Some places hereinafter are also referred to as the first electronic certificate, and it refers to opener（Buyer）With its bank
Account fund or the accrediting amount are opened as guarantee, and Bank promise pays the electronic credit that condition handles receipt and payment clearing according to solution
Voucher.Silver letter card downloads cashier access interface by the seller, and opening L/C for silver letter card is completed by buyer, and completing receipts in the seller demonstrate,proves and carry out
About application solution is paid afterwards, and bank pays in judgement solution and solution pair process is performed after condition is reached.Silver letter card can be not only used for commodity kimonos
Business is bought, it can also be used to mortgage, and for example personal bankable bill issues the letter of credit, in this, as the guarantee provided a loan to other people.
Opening Bank：It refers to the request for receiving opener, and the bank of silver letter card is opened by its offer and the information for confirming,
The first capital management server is provided with Opening Bank.
Recipient bank：It refers to the request for receiving to receive witness, and the bank of silver letter card is received by its offer and the information for confirming,
The second capital management server is provided with recipient bank.
Opener:It holds buyer terminal, and it is directed to the main body that silver letter card is opened in bank's application, including natural person, method
People and its hetero-organization.
Receive witness：It holds seller terminal, refers to the main body of fund under the receiving silver letter card item that opener specifies, including from
Right people, legal person and its hetero-organization.
Open L/C：Refer to that Opening Bank opens the row that silver letter is demonstrate,proved according to the request of opener by its offer and the information for confirming
For.
Receive card：Refer to that recipient bank demonstrate,proves the behavior that silver letter card is collected in application according to the receipts for receiving witness
Open L/C account：Refer to that opener opens in Opening Bank, required number is freezed from the account to Opening Bank's application
Fund believes the account demonstrate,proved to open silver.
Receive card account：It refer to the account for receiving its fund under the reception silver letter card item that recipient bank is opened that witness specifies.
Honour an agreement prompting：It is after seller transaction body fulfils basis transaction correspondence obligation, silver to be submitted to Opening Bank from receiving witness
Letter demonstrate,proves the behavior of information of honouring an agreement.
Application solution is paid：Refer to after receiving witness according to basic trade contract agreement has fulfiled payment obligation under silver letter card item, to
Opening Bank please solve the behavior paid.
Silver letter card solution is paid：Refer to Opening Bank receive solution pay prompt message and confirm meet solution pay condition after, to receive card silver
The behavior of capable silver letter card fund of remitting and transferring.
Wherein, the basic procedure of silver letter card business is as follows：
1st, after transaction body both sides form order, the first capital management server application from the buyer terminal of opener to Opening Bank
Open L/C.It will also be appreciated that in some cases, the buyer terminal of opener can when specific trading order form is formed Shen
Please open L/C；Can be when trading order form not be formed yet, the buyer terminal folk prescription active application for credit of opener.
2nd, after the first capital management server of Opening Bank accepts, open silver letter card and freeze corresponding amount fund or
The accrediting amount.
3rd, the seller terminal for receiving witness receives card to the second capital management server application of recipient bank.
4th, card is received after the second capital management server authentication information of recipient bank is errorless, silver letter card enters honours an agreement
Phase, receive witness and honoured an agreement, for example businessman have sent commodity, you can think to be honoured an agreement.
5th, receive after witness honours an agreement, silver letter card acquisition is honoured an agreement information, the silver-colored letter state of change, and silver letter card enters to be signed for the phase, is waited
Commodity are sent to, and sign for commodity.
6th, after opener signs for commodity, that is, receipts witness is according to corresponding to the solution of silver letter card pays condition completion silver letter card
Terms of trade after, commission recipient bank to Opening Bank application solution pay.
7th, the first capital management server of Opening Bank is released and opener's account fund is freezed, and funds transfer is arrived
Fund is transferred to receipts witness's account by recipient bank, recipient bank.
It should be appreciated that above-mentioned is only a kind of mode with silver letter card, and in some cases, can also be by silver letter card 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 honoured an agreement.Certainly,
Silver letter card can also apply to allotted fund.During different situations, the understanding honoured an agreement and sign for also is varied from.For example, working as businessman
When providing a kind of commodity or service, the state of silver letter card has been simultaneously flowed through the phase of honouring an agreement and has been signed for the phase, directly enter
Enter solution to pay, such as conclude the business face to face.
Thing letter card：Some places hereinafter are also referred to as the second electronic certificate, and it is with commodity sign code and hands over
Mutual interface and record have the network electronic voucher of merchandise news and its Transaction Information, and the interactive interface can including the merchandise news
The interface edited by buyer, the merchandise news includes commodity transfer information.It is integrated with essential to ecommerce on thing letter card each
Item function, it starts supplier's delivery, logistics distribution, bank if triggering purchase is clicked by preset program and trading rules
Pay the flows such as gathering.Thing letter card at least includes goods attribute and the receipts knot with least one account with title and the amount of money
Calculation information.Thing letter card is by product vendor（Manufacturer）There is provided, collecting account is product vendor（Manufacturer）Account.
Thing letter card is stored in vendor server, and user believes card by the thing that acquisition information transfers vendor server, and shows
In on display device；Any user checks that thing letter card is all the thing letter card for transferring vendor server, therefore recorded on thing letter card
Information can be circulated with thing letter card, so that user can obtain the information of all records of thing letter card.
When being bought to thing letter card using silver letter card, the purchase button of triggering thing letter card is then linked to silver letter card and opens L/C
Pay the page so that user by silver letter card open L/C pay the page opened L/C；After completion is opened L/C, silver letter card information believes card with thing
Information is associated.
As shown in figure 1, showing a kind of main flow of the method first embodiment of generation electronic certificate of present invention offer
Schematic diagram；In this embodiment, the method includes the steps：
Step S10, seller terminal receive from buyer terminal or the first capital management server for the first electronic certificate
Open L/C notice, being comprised at least in the notice of having opened L/C has commodity customized information；
Step S12, seller terminal generates the second electronic certificate according to the commodity customized information（That is thing letter is demonstrate,proved）.
As shown in Fig. 2 showing a kind of main flow of the method second embodiment of generation electronic certificate of present invention offer
Schematic diagram；In this embodiment, the method includes the steps：
Step S20, buyer terminal is to the first capital management server（At Opening Bank）Transmission is opened L/C request, and request is opened
First electronic certificate（That is silver letter is demonstrate,proved）, the amount of money of opening L/C, account of opening L/C, commodity customized information, receipts are included in the request of opening L/C
Card phase, the phase of honouring an agreement, sign for the information such as phase；Wherein, commodity customized information will including such as trade name, model, quantity, parameter
Ask, the information such as performance indications；
Specifically, the first capital management server is audited to the request of opening L/C, and the first electronics is opened after examination ＆ verification passes through
Voucher, includes the commodity customized information in first electronic certificate；First capital management server is opening the first electricity
After sub- voucher, notice of having opened L/C is generated；
Step S21, what buyer terminal the first capital management server of reception sent after the first electronic certificate is opened has opened L/C logical
Know, the notice of having opened L/C includes the commodity customized information.
Step S22, seller terminal receive from buyer terminal or the first capital management server for the first electronics with
The notice of having opened L/C of card, being comprised at least in the notice of having opened L/C has commodity customized information；
Step S23, seller terminal opened L/C according to notify in commodity customized information, generate the second electronic certificate（I.e. thing is believed
Card）.
After the second electronic certificate is generated, the steps is may further include：
Card request is received in step S24, seller terminal notice generation one of having been opened L/C according to, and demonstrate,proves request and be sent to the described receipts
Two capital management servers（At recipient bank）, so that the second capital management server is to the information received in card request
Verified；Specifically：
Second capital management server verifies that the receipts corresponding to checking seller terminal are demonstrate,proved to the information received during card is asked
People's identity, accounts information, and whether verify the merchandise news in merchandise news and the second electronic certificate in the first electronic certificate
It is consistent, if the result is to pass through, first electronic certificate is carried out to receive card treatment, if the result is not lead to
Cross, then enter refusal to first electronic certificate and receive card treatment, and generate and received card information after card is received；
Step S25, seller terminal receives the second capital management server and is verified simultaneously to the information received during card is asked
Receive the card notice of receipts sent after card treatment, described receipts during card is notified comprises at least commodity customized information.
Alternatively, in another embodiment, wherein, step 22 further includes the steps：
Buyer terminal is broadcasted the notice of having opened L/C to multiple seller terminals；
After seller terminal receives the notice of having opened L/C of buyer terminal broadcast transmission, judged, confirmed oneself whether agree to make
It is seller terminal（I.e. as receipts witness）.
As shown in figure 3, showing a kind of main flow of the method 3rd embodiment of generation electronic certificate of present invention offer
Schematic diagram；In this embodiment, the method for the generation electronic certificate includes the steps：
Step S30, buyer terminal is to the first capital management server（At Opening Bank）Transmission is opened L/C request, and request is opened
First electronic certificate（That is silver letter is demonstrate,proved）, the amount of money of opening L/C, account of opening L/C, commodity customized information, receipts are included in the request of opening L/C
Card phase, the phase of honouring an agreement, sign for the information such as phase；Wherein, commodity customized information will including such as trade name, model, quantity, parameter
Ask, the information such as performance indications；
Specifically, the first capital management server is audited to the request of opening L/C, and the first electronics is opened after examination ＆ verification passes through
Voucher, includes the commodity customized information in first electronic certificate；First capital management server is opening the first electricity
After sub- voucher, notice of having opened L/C is generated；
Step S31, what buyer terminal the first capital management server of reception sent after the first electronic certificate is opened has opened L/C logical
Know, the notice of having opened L/C includes the commodity customized information.
Step S32, seller terminal receive from buyer terminal or the first capital management server for the first electronics with
The notice of having opened L/C of card, being comprised at least in the notice of having opened L/C has commodity customized information；
Card request is received in step S33, seller terminal notice generation one of having been opened L/C according to, and demonstrate,proves request and be sent to the described receipts
Two capital management servers, so that the second capital management server is verified to the information received during card is asked；Specifically：
Second capital management server verifies that the receipts corresponding to checking seller terminal are demonstrate,proved to the information received during card is asked
People's identity, accounts information, and whether verify the merchandise news in merchandise news and the second electronic certificate in the first electronic certificate
It is consistent, if the result is to pass through, first electronic certificate is carried out to receive card treatment, if the result is not lead to
Cross, then enter refusal to first electronic certificate and receive card treatment, and generate and received card information after card is received；
Step 34, information of seller terminal the second capital management server of reception in the receipts card request carries out checking and goes forward side by side
Row is received the card of receipts sent after card treatment and is notified, described receipts during card is notified comprises at least commodity customized information；
Step S35, seller terminal has received the commodity customized information during card is notified according to, generates the second electronic certificate.
Alternatively, in another embodiment, wherein, step S32 further includes the steps：
Buyer terminal is broadcasted the notice of having opened L/C to multiple seller terminals；
After seller terminal receives the notice of having opened L/C of buyer terminal broadcast transmission, judged, confirmed oneself whether agree to make
It is seller terminal（I.e. as receipts witness）.
As shown in figure 4, showing that a kind of structure of the device first embodiment of generation electronic certificate of present invention offer is shown
It is intended to；In this embodiment, the device 1 includes：
Notification receiving unit of having opened L/C 11, for receiving that buyer terminal or the first capital management server send for the first electricity
The notice of having opened L/C of sub- voucher, being comprised at least in the notice of having opened L/C has commodity customized information；
Second electronic certificate generation unit 12, for according to the commodity customized information, generating the second electronic certificate；
As shown in figure 5, showing a kind of structural representation of the device second embodiment of generation electronic certificate of present invention offer；
In this embodiment, the device 1 includes：
Judging unit 10, for receiving notice of having been opened L/C described in buyer terminal broadcast transmission, and judges whether to agree to that conduct is sold
Square terminal；
Notification receiving unit of having opened L/C 11, for receiving that buyer terminal or the first capital management server send for the first electricity
The notice of having opened L/C of sub- voucher, being comprised at least in the notice of having opened L/C has commodity customized information；
Second electronic certificate generation unit 12, for according to the commodity customized information, generating the second electronic certificate, wherein, should
Second electronic certificate generation unit 12 has been further included：
First generation unit 120, for the commodity in notifying of opening L/C that notification receiving unit 11 of having been opened L/C according to is received
Customized information, generates the second electronic certificate；
Card request generation unit 13 is received, card request is received for notice generation one of having been opened L/C according to, and card request is received by described
The second capital management server is sent to, so that the second capital management server is tested the information received during card is asked
Card；
Card notification receiving unit 14 is received, has been entered to the information received during card is asked for receiving the second capital management server
Row checking and carry out receive card treatment after send receipts card notify, it is described received card notify in comprise at least have merchandise news.
As shown in fig. 6, showing that a kind of structure of the device 3rd embodiment of generation electronic certificate of present invention offer is shown
It is intended to；In this embodiment, the device 1 includes：
Judging unit 10, for receiving notice of having been opened L/C described in buyer terminal broadcast transmission, and judges whether to agree to that conduct is sold
Square terminal；
Notification receiving unit of having opened L/C 11, for receiving that buyer terminal or the first capital management server send for the first electricity
The notice of having opened L/C of sub- voucher, being comprised at least in the notice of having opened L/C has commodity customized information；
Second electronic certificate generation unit 12, for according to the commodity customized information, generating the second electronic certificate.
Wherein, the second electronic certificate generation unit 12 has been further included：
Card request generation unit 121 is received, card request is received for notice generation one of having been opened L/C according to, and card request is received by described
The second capital management server is sent to, so that the second capital management server is tested the information received during card is asked
Card；
Card notification receiving unit 122 is received, for the second capital management server to the Information Authentication received during card is asked
And carry out receive card treatment after send receipts card notify, it is described received card notify in comprise at least have merchandise news；
Second generation unit 123, for having received the business received during card is notified that card notification receiving unit 122 is received according to
Product customized information, generates the second electronic certificate.
Correspondingly, the embodiment of the present invention additionally provides a kind of system for generating electronic certificate, and it includes：Buyer terminal,
One capital management server, seller terminal and the second capital management server, wherein：
Buyer terminal, for sending request of opening L/C to the first capital management server, the first electronic certificate is opened in request, described to open
The amount of money of opening L/C, account of opening L/C, commodity customized information are included in card request；
First capital management server, for being audited to the request of opening L/C, and opens the first electronic certificate, and described first
Include the commodity customized information in electronic certificate；After the first electronic certificate is opened, notice of having opened L/C is generated, and will be described
Notice of having opened L/C is sent to the buyer terminal or the seller terminal specified in request of opening L/C；
Seller terminal, including a kind of generation electronic certificate as shown in Figures 4 to 6 device；
Second capital management server, for being verified to the information received during card is asked, corresponding to checking seller terminal
Receipts witness identity, accounts information, and verify the commodity letter in merchandise news and the second electronic certificate in the first electronic certificate
Whether breath is consistent, and first electronic certificate is carried out receiving card treatment according to the result or refusal receives card treatment, and demonstrate,proved receiving
Card notice will have been received afterwards has been sent to the seller terminal.
It is understood that more details may be referred to description above to Fig. 3 to Fig. 4, do not repeated herein.
For the ease of being further understood from a kind of method, apparatus and system for generating electronic certificate provided by the present invention,
The method for describing to be provided using the present invention below in conjunction with several specific scenes, the product letter card in different situations
Process.
First, implementation method 1
As shown in fig. 7, showing the schematic flow sheet of present invention product letter card in the first application scenario.
In the application scenario, the flow of product letter card includes the steps：
Step one：Buyer terminal sends request of opening L/C to the first capital management server of Opening Bank, and request of opening L/C includes opening
Card account/identity, the amount of money of opening L/C, commodity customized information, receive card phase, the phase of honouring an agreement, sign for the information such as phase；
Step 2：First capital management server authentication of Opening Bank is opened L/C the information such as account/identity, the amount of money of opening L/C；
Step 3：First capital management server of Opening Bank opens corresponding silver letter card according to request of opening L/C, and commodity are determined
In information write-in silver letter card processed；
Step 4：First capital management server of Opening Bank freezes to open L/C the fund of the matching amount in account；
Step 5：First capital management server of Opening Bank is demonstrate,proved according to the silver letter of generation, and generation has been opened L/C and notified and send
To the seller, the notice of having opened L/C includes commodity customized information；
Step 6：Seller terminal receives notice of having opened L/C；
Step 7：Seller terminal is according to commodity customized information（And silver believes the information such as the phase of honouring an agreement, the phase of signing in card）Product
Letter card.
There it can be seen that in this fashion, buyer proposes commodity customized demand by silver letter card, and the seller believes according to silver
Card commodity customized information generates corresponding thing letter card.
2nd, implementation method 2
As shown in figure 8, showing the schematic flow sheet of present invention product letter card in the second application scenario.
In the application scenario（Such as hotel first pays the bill and provides the occasion of service or commodity again）, the flow of product letter card
Difference with the implementation method 1 shown in Fig. 7 is after product believes the step of demonstrate,proving seven, also to comprise the following steps：
Step 8：Card request is received in seller terminal generation, and is sent to the second capital management server of recipient bank；
Step 9：Second capital management server of recipient bank is received demonstrate,proves request from the receipts for selling square end；
Step 10：Second capital management server authentication of recipient bank is received witness's identity, receives the information such as card account；
Step 11：Meanwhile, whether the merchandise news of checking silver letter card is consistent with the merchandise news of thing letter card；
Step 12：When above-mentioned steps ten and step 11 pass through, then the second capital management server of recipient bank enters
Row receives card treatment；
Step 13：When as long as above-mentioned steps ten and step 11 have a step not pass through, then the second of recipient bank provides
Golden management server carries out refusal and receives card treatment.
3rd, implementation method 3
As shown in figure 9, showing the schematic flow sheet of present invention product letter card in the 3rd application scenario.
In the application scenario, the difference of the implementation method 1 shown in flow and Fig. 7 of product letter card is to sell
Square terminal is received after notice of opening L/C, and does not directly generate thing letter card, but in the second capital management server of recipient bank
Just product letter is demonstrate,proved after receipts card, therefore also includes the steps after step 6：
Also comprise the following steps：
Step 7：Card request is received in seller terminal generation；
Step 8：Second capital management server of recipient bank receives the receipts card request from seller terminal；
Step 9：Second capital management server authentication of recipient bank is received witness's identity, receives the information such as card account；
Step 10：The result carries out receiving card treatment without mistaking in step 9, i.e., taken to the first capital management of Opening Bank
Card is received in business device request；
Step 11：After receipts are demonstrate,proved successfully, generation has been received card and has notified and issue the seller, and this has been received card and has notified to include that commodity customization is believed
Breath；
Step 12：Seller terminal has been received card and has been notified；
Step 7：Seller terminal believes card according to commodity customized information product.
4th, implementation method 4
As shown in Figure 10, the schematic flow sheet of present invention product letter card in the 4th application scenario is shown.
In the application scenario, the difference of the implementation method 2 shown in flow and Fig. 8 of product letter card is, buyer
Terminal does not determine corresponding seller terminal, and after buyer terminal issues silver letter card, buyer terminal needs not specific to multiple
Seller terminal broadcast packet containing commodity customized information notices of having opened L/C, the seller terminal having intention receive opened L/C notify after,
Believed according to commodity customized information product and demonstrate,proved.
Therefore in step 5, the first capital management server of Opening Bank will open L/C and notify to send buyer terminal；
Step 6：Buyer terminal receives notice of having opened L/C；
Step 7：Buyer terminal broadcasts notice of having opened L/C to not specific multiple seller terminal, including commodity customized information；
Step 8：Purpose seller terminal receives notice of having opened L/C；
Step 9：Opinion seller terminal is agreed to as receipts witness；
Meanwhile, in step 12, unintended seller terminal receives notice of having opened L/C；
Step 13, unintended seller terminal is disagreed as receipts witness；
And the step seven in follow-up step ten, step 11, the flow and Fig. 8 of step 14 to step 10 eight is to step 13
Content be identical, can in the lump refer to the foregoing description to Fig. 8, be not described in detail herein.
There it can be seen that in this fashion, buyer terminal proposes commodity customized demand, seller terminal by silver letter card
Corresponding thing letter card is generated according to silver letter card commodity customized information.
Implement the embodiment of the present invention, have the advantages that：
Technical scheme provided in an embodiment of the present invention, is realized in commodity customization procedure, and buyer is only needed by issuing silver letter card
Frozen capital, i.e. buyer only need the seller to make promise to pay, without directly to seller payments deposit, greatly reducing transaction
Risk；
Meanwhile, silver letter card and thing letter card are combined, commodity customized information product of the seller in silver letter card believes card, this
Sample, can be based on buyer and be configured for the duration such as the phase of honouring an agreement, the phase of signing for of silver letter card, so as to the delivery availability to the seller,
Arrival time etc. is limited, once the seller does not handle the flow such as honour an agreement on time, then the seller will can not receive payment for goods, further improve
The security of transaction.
Above disclosed is only present pre-ferred embodiments, can not limit the right model of the present invention with this certainly
Enclose, therefore the equivalent variations made according to the claims in the present invention, still belong to the scope that the present invention is covered.
Claims (11)
1. it is a kind of generate electronic certificate method, it is characterised in that the method comprises the following steps：
It is logical for having opened L/C for the first electronic certificate that seller terminal reception buyer terminal or the first capital management server send
Know, being comprised at least in the notice of having opened L/C has commodity customized information；
Seller terminal generates the second electronic certificate according to the commodity customized information.
2. a kind of method for generating electronic certificate as claimed in claim 1, it is characterised in that receive to come in the seller terminal
From taking a step forward for the step of the notifying of having opened L/C for the first electronic certificate of buyer terminal or the first capital management server
Including：
Seller terminal receives the notice of having opened L/C of buyer terminal broadcast transmission, and judges whether to agree to as seller terminal.
3. the method for requiring a kind of generation electronic certificate described in any one of 1-2, it is characterised in that the seller terminal is according to institute
The step of stating commodity customized information, the second electronic certificate of generation includes：
Seller terminal opened L/C according to notify in commodity customized information, generate the second electronic certificate.
4. a kind of method for generating electronic certificate as claimed in claim 3, it is characterised in that in the seller terminal according to institute
Further included after the step of stating the commodity customized information in notifying of opening L/C, the second electronic certificate of generation：
Seller terminal has been opened L/C according to and has notified that generating one receives card request, and the receipts card request is sent into the second fund pipe
Reason server, so that the second capital management server is verified to the information received during card is asked；
Seller terminal receives the second capital management server and is verified and carried out receipts card to the information received during card is asked
After treatment send receipts card notify, it is described received card notify in comprise at least have merchandise news.
5. a kind of method of the generation electronic certificate as described in claim any one of 1-2, it is characterised in that the seller terminal
Include according to the commodity customized information, the step of the second electronic certificate of generation：
Seller terminal has been opened L/C according to and has notified that generating one receives card request, and the receipts card request is sent into the second fund pipe
Reason server, so that the second capital management server is verified to the information received during card is asked；
Seller terminal receives the second capital management server and is verified and carried out receipts card to the information received during card is asked
After treatment send receipts card notify, it is described received card notify in comprise at least have merchandise news；
Seller terminal has received the commodity customized information during card is notified according to, generates the second electronic certificate.
6. a kind of device for generating electronic certificate, is applied to seller terminal, it is characterised in that it includes：
Open L/C notification receiving unit, for receiving buyer terminal or the first capital management server sends for the first electronics
The notice of having opened L/C of voucher, being comprised at least in the notice of having opened L/C has commodity customized information；
Second electronic certificate generation unit, for according to the commodity customized information, generating the second electronic certificate.
7. the device of electronic certificate is generated as claimed in claim 6, it is characterised in that further included：
Judging unit, for receiving notice of having been opened L/C described in buyer terminal broadcast transmission, and judges whether to agree to as the seller
Terminal.
8. the device of generation electronic certificate as claimed in claims 6 or 7, it is characterised in that second electronic certificate generation
Unit includes：
First generation unit, letter is customized for the commodity in notifying of opening L/C that notification receiving unit of having been opened L/C according to is received
Breath, generates the second electronic certificate.
9. the device of electronic certificate is generated as claimed in claim 8, it is characterised in that further included：
Card request generation unit is received, card request is received for notice generation one of having been opened L/C according to, and card request hair is received by described
The second capital management server is given, so that the second capital management server is verified to the information received during card is asked；
Card notification receiving unit is received, has been carried out to the information received during card is asked for receiving the second capital management server
Verify and carry out receive card treatment after send receipts card notify, it is described received card notify in comprise at least have merchandise news.
10. the device of generation electronic certificate as claimed in claims 6 or 7, it is characterised in that second electronic certificate generation
Unit is further included：
Card request generation unit is received, card request is received for notice generation one of having been opened L/C according to, and card request hair is received by described
The second capital management server is given, so that the second capital management server is verified to the information received during card is asked；
Card notification receiving unit is received, has been verified to the information received during card is asked for the second capital management server
And carry out receive card treatment after send receipts card notify, it is described received card notify in comprise at least have merchandise news；
Second generation unit, for having received the commodity customization received during card is notified that card notification receiving unit is received according to
Information, generates the second electronic certificate.
11. a kind of systems for generating electronic certificate, it is characterised in that including buyer terminal, the first capital management server, the seller
Terminal and the second capital management server, wherein：
Buyer terminal, for sending request of opening L/C to the first capital management server, the first electronic certificate is opened in request, described to open
The amount of money of opening L/C, account of opening L/C, commodity customized information are included in card request；
First capital management server, for being audited to the request of opening L/C, and opens the first electronic certificate, and described first
Include the commodity customized information in electronic certificate；After the first electronic certificate is opened, notice of having opened L/C is generated, and will be described
Notice of having opened L/C is sent to the buyer terminal or the seller terminal specified in request of opening L/C；
Seller terminal, including a kind of generation electronic certificate as described in claim any one of 6-10 device；
Second capital management server, for being verified to the information received during card is asked, corresponding to checking seller terminal
Receipts witness identity, accounts information, and verify the commodity letter in merchandise news and the second electronic certificate in the first electronic certificate
Whether breath is consistent, and after being verified, first electronic certificate is carried out to receive card treatment, or to described after checking does not pass through
First electronic certificate carry out refusal receive card treatment, and receive card after will receive card notice be sent to the seller terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510928738.9A CN106886929A (en) | 2015-12-15 | 2015-12-15 | A kind of method for generating electronic certificate, device and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510928738.9A CN106886929A (en) | 2015-12-15 | 2015-12-15 | A kind of method for generating electronic certificate, device and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106886929A true CN106886929A (en) | 2017-06-23 |
Family
ID=59173961
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510928738.9A Pending CN106886929A (en) | 2015-12-15 | 2015-12-15 | A kind of method for generating electronic certificate, device and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106886929A (en) |
-
2015
- 2015-12-15 CN CN201510928738.9A patent/CN106886929A/en active Pending
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