CN108256861A - Business clearing special certificate transfer payment method based on electronic information management - Google Patents
Business clearing special certificate transfer payment method based on electronic information management Download PDFInfo
- Publication number
- CN108256861A CN108256861A CN201810033322.4A CN201810033322A CN108256861A CN 108256861 A CN108256861 A CN 108256861A CN 201810033322 A CN201810033322 A CN 201810033322A CN 108256861 A CN108256861 A CN 108256861A
- Authority
- CN
- China
- Prior art keywords
- electronic information
- special certificate
- business
- business clearing
- information card
- 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
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Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
-
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/12—Accounting
Abstract
The present invention relates to a kind of business clearing special certificate transfer payment methods based on electronic information management, business clearing special certificate is issued by going out witness, electronic information card created by the third party service provider simultaneously, by go out witness's input for the matching used secret key of the electronic information card；By going out witness by business clearing special certificate, electronic information card transfer payment synchronous with secret key to holder；It before business clearing special certificate expires, is submitted from holder to the third party service provider and cashes application, confirmed by the third party service provider and cash information and notify out witness that will cash in fund transfer to the settlement accounts of business clearing special certificate；Holder is held business clearing special certificate, electronic information card and secret key and is honoured；Business clearing special certificate and electronic information card are combined uses by the present invention, avoid single business clearing special certificate there are the defects of, the usage experience of safe and effective rate is provided to go out witness, has ensured that business settles accounts the operation of special certificate's system.
Description
Technical field
The present invention relates to financial services technology field more particularly to a kind of business clearing based on electronic information management are special
Voucher transfer payment method.
Background technology
Using paper-bill as carrier, stamped signature is necessary for the entity label of party for traditional papery business clearing special certificate
Chapter, this paper voucher with specific format are transmitted using the modes such as transmission or mailing by hand, and there are bill purchase, trustship and committees
Collection money cost, bill and fund are long in the way time, and circulation efficiency is low, and are forged, alter or clone equivalent risk.
In the environment of current papery business clearing special certificate is public uses, how to retain papery business settle accounts it is special
Voucher is opened, pays the advantages of simple, while evades that papery business clearing special certificate is not safe enough, endorses and does not connect in circulation
Be also easy to produce that flaw, owner of a right be indefinite, solution pays formality and requires the shortcomings that cumbersome during continuous, negotiability, be it is current urgently
It solves the problems, such as.
Invention content
In order to solve deficiency of the prior art, prevent papery business from settling accounts the purpose of the present invention is to provide one kind special
The transfer payment side of the clearing special certificate of the business based on electronic information management that situations such as voucher is forged, alters or clones occurs
Method.
The technical solution adopted by the present invention to solve the technical problems is：
A kind of business clearing special certificate transfer payment method based on electronic information management, which is characterized in that including with
Lower step：
Step 110：Business clearing special certificate is issued, while its electronic information is passed through by the third party service provider by going out witness
The electronic information card recording module of server synchronizes the electronic information card for creating and having only link with business clearing special certificate,
Simultaneously by go out witness input for the matching used secret key of the electronic information card；
Step 120：By going out witness by business clearing special certificate, electronic information card transfer payment synchronous with secret key to accredited
People；
Step 130：Before business clearing special certificate expires, submitted from holder to the third party service provider and cash Shen
Please, confirmed in electronic information server by the third party service provider and cash information, and notify out witness will cash fund transfer the possession of to
In the settlement accounts of business clearing special certificate；
Step 140：Holder is held business clearing special certificate, electronic information card and secret key and is honoured, holder
Electronic information card and secret key are identified by the electronic information card identification module of electronic information server, by the third party service provider
Verify the only link between business clearing special certificate and electronic information card；
Step 150：Instruction is cashed, and will by the module initiation of cashing of its electronic information server by the third party service provider
Fund of cashing in settlement accounts is transferred to holder bank account, while business clearing special certificate and electronic information card are received
It returns.
The electronic information of the electronic information card goes out witness's information, holder information and bill including step 110 typing
Information that information and step 150 generated cash, in the data memory module of electronic information storage to electronic information server,
And it is read out by the electronic information card and secret key.
The electronic information card is magnetic card or IC card.
The beneficial effects of the invention are as follows：Business clearing special certificate and electronic information card are combined use, avoided
Single business clearing special certificate there are the defects of, the usage experience of safe and effective rate is provided to go out witness, has ensured quotient
The operation of industry clearing special certificate system.
Specific embodiment
Embodiments of the present invention are illustrated by particular specific embodiment below, those skilled in the art can be by this explanation
Content disclosed by book understands other advantages and effect of the present invention easily.
A kind of business clearing special certificate transfer payment method based on electronic information management, includes the following steps：
Step 110：Business clearing special certificate is issued, while its electronic information is passed through by the third party service provider by going out witness
The electronic information card recording module of server synchronizes the electronic information card for creating and having only link with business clearing special certificate,
Simultaneously by go out witness input for the matching used secret key of the electronic information card；
Step 120：By going out witness by business clearing special certificate, electronic information card transfer payment synchronous with secret key to accredited
People；
Step 130：Before business clearing special certificate expires, submitted from holder to the third party service provider and cash Shen
Please, confirmed in electronic information server by the third party service provider and cash information, and notify out witness will cash fund transfer the possession of to
In the settlement accounts of business clearing special certificate；
Step 140：Holder is held business clearing special certificate, electronic information card and secret key and is honoured, holder
Electronic information card and secret key are identified by the electronic information card identification module of electronic information server, by the third party service provider
Verify the only link between business clearing special certificate and electronic information card；
Step 150：Instruction is cashed, and will by the module initiation of cashing of its electronic information server by the third party service provider
Fund of cashing in settlement accounts is transferred to holder bank account, while business clearing special certificate and electronic information card are received
It returns.
The electronic information of the electronic information card goes out witness's information, holder information and bill including step 110 typing
Information that information and step 150 generated cash, in the data memory module of electronic information storage to electronic information server,
And it is read out by the electronic information card and secret key.
The electronic information card is magnetic card or IC card.
The foregoing is merely the preferred embodiments of the present invention, as long as achieving the object of the present invention skill with essentially identical means
Art scheme, belongs within protection scope of the present invention.
Claims (3)
- A kind of 1. business clearing special certificate transfer payment method based on electronic information management, which is characterized in that including following Step：Step 110：Business clearing special certificate is issued, while its electronic information service is passed through by the third party service provider by going out witness The electronic information card recording module of device synchronizes the electronic information card for creating and having only link with business clearing special certificate, simultaneously By go out witness input for the matching used secret key of the electronic information card；Step 120：By going out witness by business clearing special certificate, electronic information card transfer payment synchronous with secret key to holder；Step 130：Before business clearing special certificate expires, submitted from holder to the third party service provider and cash application, by The third party service provider confirms in electronic information server cashes information, and notifies out witness that will cash fund transfer to business and tie In the settlement accounts for calculating special certificate；Step 140：Holder is held business clearing special certificate, electronic information card and secret key and is honoured, the electronics of holder Release and secret key are identified by the electronic information card identification module of electronic information server, are verified by the third party service provider Only link between business clearing special certificate and electronic information card；Step 150：Instruction is cashed, and will clearing by the module initiation of cashing of its electronic information server by the third party service provider Fund of cashing in account is transferred to holder bank account, while business clearing special certificate and electronic information card are withdrawn.
- 2. the business clearing special certificate transfer payment method according to claim 1 based on electronic information management, special Sign is：Go out witness's information, holder information and the bill that the electronic information of the electronic information card includes step 110 typing are believed What breath and step 150 generated cashes information, in the data memory module of electronic information storage to electronic information server, and It is read out by the electronic information card and secret key.
- 3. the business clearing special certificate transfer payment method according to claim 1 based on electronic information management, special Sign is：The electronic information card is magnetic card or IC card.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810033322.4A CN108256861A (en) | 2018-01-03 | 2018-01-03 | Business clearing special certificate transfer payment method based on electronic information management |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810033322.4A CN108256861A (en) | 2018-01-03 | 2018-01-03 | Business clearing special certificate transfer payment method based on electronic information management |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108256861A true CN108256861A (en) | 2018-07-06 |
Family
ID=62727003
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810033322.4A Pending CN108256861A (en) | 2018-01-03 | 2018-01-03 | Business clearing special certificate transfer payment method based on electronic information management |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108256861A (en) |
Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1750036A (en) * | 2004-09-07 | 2006-03-22 | 韩国超级票据株式会社 | System and method for mnaging, exchanging and purchasing medium of electronic bill and electronic check |
| CN1801226A (en) * | 2005-12-30 | 2006-07-12 | 邵军利 | Universal check IC card processing method |
| CN101004810A (en) * | 2005-12-31 | 2007-07-25 | 重庆浩泽网络技术有限公司 | Electric tickets method and system based on network |
| US20070288380A1 (en) * | 2006-04-28 | 2007-12-13 | Ed Starrs | Method and apparatus for online check processing |
| CN101097626A (en) * | 2006-06-29 | 2008-01-02 | 田晖 | System and method for monitoring remittance draft with electronic label |
| CN101324974A (en) * | 2008-05-19 | 2008-12-17 | 李俊贤 | Novel bank cheque and receipt verification system |
| CN103268670A (en) * | 2013-02-28 | 2013-08-28 | 广东岭南通股份有限公司 | Electronic ticket interaction method and device based on near field communication (NFC) terminal |
| CN107451917A (en) * | 2017-07-28 | 2017-12-08 | 武汉票据交易中心有限公司 | A kind of bill management method and system |
-
2018
- 2018-01-03 CN CN201810033322.4A patent/CN108256861A/en active Pending
Patent Citations (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1750036A (en) * | 2004-09-07 | 2006-03-22 | 韩国超级票据株式会社 | System and method for mnaging, exchanging and purchasing medium of electronic bill and electronic check |
| CN1801226A (en) * | 2005-12-30 | 2006-07-12 | 邵军利 | Universal check IC card processing method |
| CN101004810A (en) * | 2005-12-31 | 2007-07-25 | 重庆浩泽网络技术有限公司 | Electric tickets method and system based on network |
| US20070288380A1 (en) * | 2006-04-28 | 2007-12-13 | Ed Starrs | Method and apparatus for online check processing |
| CN101097626A (en) * | 2006-06-29 | 2008-01-02 | 田晖 | System and method for monitoring remittance draft with electronic label |
| CN101324974A (en) * | 2008-05-19 | 2008-12-17 | 李俊贤 | Novel bank cheque and receipt verification system |
| CN103268670A (en) * | 2013-02-28 | 2013-08-28 | 广东岭南通股份有限公司 | Electronic ticket interaction method and device based on near field communication (NFC) terminal |
| CN107451917A (en) * | 2017-07-28 | 2017-12-08 | 武汉票据交易中心有限公司 | A kind of bill management method and system |
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|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180706 |