WO2016037369A1 - 一种基于电子凭证的交易系统 - Google Patents

一种基于电子凭证的交易系统 Download PDF

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Publication number
WO2016037369A1
WO2016037369A1 PCT/CN2014/086462 CN2014086462W WO2016037369A1 WO 2016037369 A1 WO2016037369 A1 WO 2016037369A1 CN 2014086462 W CN2014086462 W CN 2014086462W WO 2016037369 A1 WO2016037369 A1 WO 2016037369A1
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WO
WIPO (PCT)
Prior art keywords
module
information
electronic voucher
payment
receipt
Prior art date
Application number
PCT/CN2014/086462
Other languages
English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to CA3124249A priority Critical patent/CA3124249C/en
Priority to CA3124248A priority patent/CA3124248C/en
Priority to PCT/CN2014/086462 priority patent/WO2016037369A1/zh
Priority to CN201480003229.9A priority patent/CN104838401A/zh
Priority to CA3124246A priority patent/CA3124246C/en
Priority to CA2997804A priority patent/CA2997804C/en
Priority to CA3124250A priority patent/CA3124250C/en
Publication of WO2016037369A1 publication Critical patent/WO2016037369A1/zh

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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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/123—Shopping for digital content
    • G06Q20/1235—Shopping for digital content with control of digital rights management [DRM]
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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]
    • G06Q30/0613—Third-party assisted
    • 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
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present invention relates to the field of Internet, and in particular to an electronic voucher based transaction system.
  • Internet transactions are both remote and online transactions between the purchaser and the seller.
  • a large number of real economy producers can realize the full domain by electronically credulating electronically vouchers attached to the items.
  • the technical problem to be solved by the present invention is that, in view of the above-mentioned prior art, the circulation of articles is restricted by a specific sales place, the transaction information integration and the recording mechanism are imperfect, the logistics collection and delivery verification mechanism is not perfect, and the article cannot be fully intelligentized.
  • the problem of trading provides a trading system based on electronic voucher.
  • the technical solution adopted by the present invention to solve the technical problem is: constructing an electronic voucher-based transaction system, the system comprising a content supply server, a payment system connected to the content supply server, and a communication connection to the content supply a display server of the server, a client terminal communicatively coupled to the display server, and a logistics terminal communicatively coupled to the content provision server, wherein:
  • the content providing server configured to store an electronic voucher of the writable information, and send the electronic voucher to the display server; wherein the electronic voucher includes at least an item attribute having a name and an amount, and an account settlement information having at least one account ;
  • the payment system is configured to: after issuing the electronic voucher and after receiving the request information of the client terminal, convert the requested amount into a request status; and further, after receiving the receipt information of the client terminal And transferring the amount in the request state to an account corresponding to the receipt and settlement information;
  • the display server is configured to display the electronic voucher and publish the electronic voucher via the Internet;
  • the client terminal is configured to acquire the electronic voucher through the Internet, write a destination of the logistics distribution in the electronic voucher, select preset logistics support information to determine the logistics distribution information, and according to the settlement information
  • the payment system sends the request information to request payment of an amount corresponding to the item attribute;
  • the logistics terminal after the receipt and payment system receives the request for payment, extracts an item corresponding to the item attribute, and directs the item to move to the destination, and sends the receipt information to the location
  • the content provision server After the receipt and payment system receives the request for payment, extracts an item corresponding to the item attribute, and directs the item to move to the destination, and sends the receipt information to the location
  • the content provision server After the receipt and payment system receives the request for payment, extracts an item corresponding to the item attribute, and directs the item to move to the destination, and sends the receipt information to the location
  • the content provision server after the receipt and payment system receives the request for payment, extracts an item corresponding to the item attribute, and directs the item to move to the destination, and sends the receipt information to the location
  • the content provision server After the receipt and payment system receives the request for payment, extracts an item corresponding to the item attribute, and directs the item to move to the destination, and sends the receipt information to the location
  • the content provision server
  • the payment system includes a verification module, a payment module, and a collection module, wherein:
  • the issuing module is configured to issue the electronic voucher and return it to the content providing server;
  • the payment module is configured to: after receiving the request information of the client terminal, convert the requested amount into a request status; wherein the request status is a state of freezing the amount or transferring the amount to a pre- The status of the secured account;
  • the payment module is configured to, after receiving the receipt information of the client terminal, transfer the amount in the request state to an account corresponding to the receipt and settlement information.
  • system further includes an enterprise resource planning terminal communicatively coupled to the content providing server;
  • the enterprise resource planning terminal is configured to import at least an item attribute having a name and an amount, and settlement and settlement information having at least one account.
  • system further includes a source terminal communicatively coupled to the content providing server;
  • the source terminal is configured to provide at least an item attribute having a name and an amount, and settlement information having at least one account, and store the same in the content providing server.
  • the payment system includes a delivery code issuing module and a receipt code issuing module;
  • the picking code issuing module is configured to send a picking code to the logistics terminal
  • the signing code issuance module is configured to send a signing code to the client terminal
  • the content providing server includes a delivery code issuing module and a receipt code issuing module;
  • the picking code issuing module is configured to send a picking code to the logistics terminal
  • the signing code issuance module is configured to send a signing code to the client terminal.
  • the client terminal is further configured to provide the signing code to the logistics terminal after the item moves to the destination.
  • the logistics terminal includes a delivery module, a delivery module, and a receipt module, wherein:
  • the picking module is configured to receive the picking code, and extract an item corresponding to the item attribute according to the picking code;
  • the delivery module is configured to direct the item to move to the destination
  • the signing module is configured to send the receipt information to the content providing server according to the signing code and synchronize to the payment system.
  • the payment system includes a countdown module
  • the countdown module is configured to write countdown information to the electronic voucher; wherein the countdown information includes a payment countdown generated according to a transaction agreement and / or delivery countdown and / or arrival countdown.
  • the payment system includes an insurance module
  • the insurance module is configured to write the electronic insurance contract information to the electronic voucher.
  • the payment system includes a public rights module
  • the public rights module is configured to write identification information and/or item ownership information and/or authentication information to the electronic voucher and/or Or transaction status information and / or registration information.
  • the invention discloses an electronic voucher-based transaction system, which has the following beneficial effects: by generating an electronic voucher corresponding to an item and adapted to the circulation of the Internet, the limitation of a specific sales place can be removed, thereby changing the original relying on the third-party e-commerce platform. Or the commercial reputation of the online store, see the picture, and the e-commerce-centric model of the transaction, so that the article can be attached to its own attributes, such as manufacturers, raw materials and other information, can be autonomous and efficient circulation on the Internet, to achieve intelligence Automate transactions and form an item-centric trading model.
  • FIG. 1 is a structural block diagram of a transaction system based on an electronic voucher according to a first embodiment of the present invention
  • FIG. 2 is a flow chart of a method for an electronic voucher based transaction system provided by the present invention
  • FIG. 3 is a flow chart of generating and publishing an electronic voucher provided by the present invention.
  • FIG. 4 is a flow chart of purchasing an electronic voucher by a client terminal provided by the present invention.
  • Figure 5 is a flow chart of the delivery item provided by the present invention.
  • FIG. 7 is a structural block diagram of a transaction system based on an electronic voucher according to a second embodiment of the present invention.
  • FIG. 8 is a structural block diagram of an electronic voucher-based transaction system according to a third embodiment of the present invention.
  • the invention provides an electronic voucher-based trading system, the purpose of which is to realize a fully intelligent system of 'bank guarantee, photo inspection, and payment receipt'.
  • the use of the electronic voucher can make the transaction of goods or services reach the 'purchase of direct sales', that is, directly by the manufacturer to ship, automatically collect money, and guarantee the sale of genuine products from the source of the goods, thereby making the transaction more secure and reliable;
  • the right module facilitates the supervision department to supervise the dynamic circulation of goods, ensure the quality and quality of the goods; guide the physical movement through the electronic voucher, so that the payment can be relied upon, ensuring the legitimate rights and interests of both parties, and achieving the first-hand hand in the e-commerce business.
  • the electronic voucher can also pre-issue the items that have not yet been produced or the items being manufactured, and the service, which improves the rate of return of funds, and at the same time changes the original third-party e-commerce platform through electronic voucher ( Or the online reputation of the online store), see the picture, the e-commerce-centric transaction mode of the transaction, so that the goods can be independently and efficiently circulated on the Internet, realize intelligent and independent transactions, and form an item-centric transaction mode;
  • the system the enterprise can produce the items that are expected to be produced or the items that have been manufactured or the existing clothes It is displayed in e-commerce in the form of an electronic voucher that dynamically records the circulation information of the item, enabling the company to exchange a future cash flow income for an instant cash flow income (such as discounting, factoring, etc.), which greatly accelerates the goods or services.
  • the capital turnover rate solves the problem of insufficient liquidity of goods, meets the financing requirements of enterprises, accelerates the turnover of enterprises, and promotes social and economic development.
  • the electronic voucher-based transaction system 100 includes a content providing server 1 and a communication connection to the content providing server 1 a payment system 2, a display server 3 communicatively connected to the content supply server 1, a client terminal 4 communicatively connected to the display server 3, and a communication connection to the content supply server 1
  • the logistics terminal 5, the 'communication connection' of the place can realize data synchronization, and can selectively synchronize data according to actual needs. among them:
  • the content supply server 1 And an electronic voucher for storing the writable information, and sending the electronic voucher to the display server; wherein the electronic voucher includes at least an item attribute having a name and an amount, and settlement information having at least one account;
  • the payment system 2 After the electronic voucher is issued and after receiving the request information of the client terminal, the requested amount is converted into a request state; wherein the request status may be understood as a state of freezing the deposit amount or the credit amount or The deposit amount or credit limit is transferred to the state of the default guarantee account, that is, the credit limit (credit card) or deposit amount in the purchaser's bank card is temporarily frozen ( Debit card), or transfer credit limit and deposit amount into the default guarantee account, can be understood as a promised payment. Also used to receive the client terminal 4 After the receipt information, the amount in the request status is transferred to the account corresponding to the receipt and settlement information; specifically, the collection and payment system can also set the account of the collection account, the matter is authorized by the seller, and Executed by the bank.
  • the payment system there is preferably a banking system or a third party payment system.
  • the receipt and payment system issuing the electronic voucher refers to the relevant information in the electronic voucher approved by the payment and payment system (for example, the seller's bank account information, other fund information, etc.)
  • the electronic signature is written into the electronic voucher, and the electronic voucher is issued, which not only achieves the purpose of correctly identifying the electronic voucher by the bank or other payment terminal. It also technically solves the identity verification problem of the producer of the item.
  • the request status is a state in which the amount is frozen or a state in which the amount is transferred to a preset guarantee account; the state of the frozen amount is applied to the bank as a payer and The payee, transferred to the guarantee account means that the third-party trading platform transfers the funds into its guarantee account as the guarantee fund for the transaction.
  • the third-party trading platform and the bank can cooperate with each other to provide users with multiple payment and collection methods, thereby adding a user experience.
  • the display server 3 is configured to display the electronic voucher and publish the electronic voucher through the Internet; specifically, the content providing server 1 A link or mapping of the electronic voucher is sent to the presentation server 3, thereby saving information exchange resources.
  • the system sends the request information to request payment of an amount corresponding to the item attribute;
  • the logistics support information is generally a content server 1 Collect information from multiple logistics companies and display the information together in the electronic voucher for customer terminal 4 Select one of the logistics companies to be delivered as an item;
  • requesting payment generally refers to the bank account information or other account information of the buyer who holds the customer terminal in the payment system to request payment of the transaction amount corresponding to the item to the electronic voucher. Recorded in a bank account or other account.
  • the logistics support information refers to the form of the logistics company providing the distribution business, so that the buyer can select the corresponding logistics company to deliver the goods corresponding to the electronic voucher.
  • the logistics terminal 5 After the payment system receives the request payment, extracts an item corresponding to the item attribute, and directs the item to move to the destination, and sends the receipt information to the content supply server. .
  • the payment system 2 includes a verification module, a payment module, and a collection module, wherein:
  • the issuing module is configured to approve the payment account information written into the electronic voucher, and issue the electronic voucher and return to the content providing server.
  • the payment module is configured to, after issuing the electronic voucher and after receiving the request information of the client terminal, convert the requested amount into a request state;
  • the payment module is configured to, after receiving the receipt information of the client terminal, transfer the amount in the request state to an account corresponding to the receipt and settlement information.
  • FIG. 1 A structural block diagram of an electronic voucher-based transaction system provided by the first embodiment of the present invention
  • FIG. 2 is an electronic voucher-based transaction system provided by the present invention.
  • the method flow chart is mainly divided into the following four steps:
  • the electronic voucher generating device provides an electronic voucher
  • the electronic voucher is issued by a host system disposed inside the bank
  • the 'nuclear issuing' refers to writing the payment in the electronic voucher Account information and electronic signatures written to the bank.
  • the issued electronic voucher is sent to an electronic warehouse, and the electronic vault releases the electronic voucher via the Internet, thereby displaying the electronic voucher to the consumer, and the consumer can obtain the electronic voucher through the electronic vault.
  • the electronic warehouse at the location may be an independent website, such as an e-commerce platform or an official website of an institution. Of course, you can also set the electronic warehouse On personal Weibo, WeChat and other social platforms.
  • a one-to-one mapping relationship can be established between the data in the electronic warehouse and the bank host system. That is, the data of the electronic voucher is synchronized or partially synchronized with the data in the electronic warehouse and the bank host system.
  • the entity that generates the electronic certificate may be a manufacturer or a distributor or a natural person.
  • the electronic voucher is purchased: the consumer obtains the electronic voucher through a client terminal connected to the electronic warehouse, and sends a request message to the bank host system to request payment of the amount corresponding to the item attribute; the bank host system converts the requested amount to Request status, The item corresponding to the item attribute is prepared by the logistics terminal.
  • the 'request status' of the place refers to the fact that the funds in the consumer account are frozen or the funds are temporarily placed at a third party for security.
  • To freeze the status of the deposit amount or credit limit or transfer the deposit amount or credit limit to the default guarantee account that is, temporarily freeze the credit limit (credit card) or deposit amount (debit card) in the purchaser's bank card. ), or transfer the credit line and deposit amount into the default guarantee account, can be understood as a promised payment.
  • the logistics terminal directs the item to move to the destination.
  • the bank host system After the receipt of the receipt information of the logistics terminal, the bank host system allocates the amount in the request status to the account corresponding to the settlement information.
  • the electronic voucher can write information, and the information at the place includes, but is not limited to, transaction information.
  • the electronic voucher is stored in a content providing server, wherein the electronic voucher includes at least an item attribute having a name and an amount and billing and settlement information having at least one account.
  • the electronic voucher is issued by the bank host system, and after the bank host system issues the electronic voucher, the optional logistic support information is written into the electronic voucher and sent to the bank host system.
  • FIG. 3 is a flowchart of generating and publishing an electronic voucher provided by the present invention, that is, step S1.
  • Process optimization plan :
  • the item providing direction content supply server 1 submits a request for generating an electronic voucher.
  • the item provider can complete the configuration of the item on the local electronic terminal first, and then to the content supply server 1 Submit a request to generate an electronic voucher.
  • the generated electronic voucher source file can be directly stored on the local electronic terminal without being stored in the content providing server 1 or the payment system 2 To do so, simply give a connection signal to the content provision server 1 or the payment system 2.
  • the electronic voucher can be directly stored in the content supply server, and in the case that the electronic voucher is generated offline, the item configuration request can also be implemented to generate an electronic voucher, and the electronic voucher can be stored offline in the local electronic terminal. in.
  • the content providing server 1 receives the request and returns an item provider configuration page.
  • the item provider sets various tag information of the electronic voucher in the configuration page, that is, the performance information of setting the electronic voucher, and the electronic voucher includes at least an item attribute having a name and an amount and settlement information having at least one account.
  • the content providing server 1 generates an electronic voucher template in which the item information is configured.
  • the item provider configures the payment system of the payment system 2, and the payment system 2 is not limited to the issuing bank, and the payment system 2 It can also be other platforms that support the flow of funds on the Internet.
  • the content providing server 1 sends a request for issuance of the article provider to the payment system 2. This step can be passed in the payment system 2
  • the issuing module is configured to complete, the issuing module is configured to write the optional logistics support information after issuing the electronic voucher, generate an electronic voucher, and send the electronic voucher to the display server 3 and / Or the content provision server 1 .
  • the payment system 2 receives the verification request to complete the verification, and returns a PID to the content supply server 1 .
  • the ' PID ' involved in this area is the port ID, which is the 'port number'. Usually, the PID is made up of 8 The port priority is combined with the port number, the port number is low, and the default port number is 128.
  • the request for issuing the electronic voucher can also be submitted directly by the article provider to the bank, and the payment system 2 After confirming the identity information of the item provider, return a PID to the item provider. It is conceivable that the item provider can also use the content supply server 1 to the payment system 2 It is also feasible to submit a request to the bank to issue the electronic voucher to obtain a PID.
  • the content providing server 1 updates the status of the electronic voucher to be issued, and synchronizes the information to the item provider.
  • the item provider selects the way to publish the electronic voucher, and generally chooses to publish the electronic voucher through the preset channel.
  • the channel can be a link, an ad, or an app embedded in the app. Among the programs and so on. This step can be accomplished by adding the issue port electrically connected to the item provider for connecting to the Internet to publish the electronic voucher.
  • content supply server 1 Publish electronic voucher according to the distribution channel.
  • the S110, the item provider or other Internet users can view the published electronic voucher through a terminal connected to the Internet.
  • the client terminal 4 in the system for step S2 For browsing and acquiring the electronic voucher through the Internet, writing the destination of the logistics distribution in the electronic voucher, selecting the logistics support information to determine the logistics distribution information, and receiving the receipt information according to the receipt and settlement information.
  • Payment system 2 The request information is sent to request payment of an amount corresponding to the item attribute; the client terminal 4 can implement its function through a software form such as a plug-in or an APP.
  • the payment system 2 receives the client terminal 4 After the request information, the requested amount is transferred to the request status, and the logistics terminal 5 is notified to go to the item location to extract the item corresponding to the item attribute.
  • Client terminal 4 The function is to complete the purchase of the electronic voucher, and provide the fund freezing or the custody voucher for the subsequent delivery step.
  • the preferred process for purchasing the electronic voucher is shown in FIG. 4 , which is the client terminal provided by the present invention.
  • customer terminal 4 Select the payment bank, you can also choose the Internet to support the flow of funds, or the payment system 2 Is the same terminal, thereby issuing a payment request. Generally, you need to enter the corresponding account and password to log in to the bank account.
  • the login point can be the payment system 2 or the official website of the bank.
  • the payment system 2 receives the selection instruction, verifies the identity of the user terminal 4, and returns to the client terminal 4 .
  • the client terminal 4 submits the user identity information and confirms payment for the electronic voucher.
  • the payment system 2 receives the client terminal according to 4 After the request information, the requested amount is converted to the request status, and the information is synchronized to the content server 1, and the content server 1 notifies the logistics terminal 5 An item corresponding to the item attribute is extracted.
  • This step can be implemented by setting up a payment module in the payment system 2, in particular, the payment module for receiving the client terminal 4 After the request information, the requested amount is converted to the request status, and the information is synchronized to the content server 1, and the content server 1 notifies the logistics terminal 5 Extracting an item corresponding to the item attribute; wherein the request status is a state of freezing the amount or transferring the amount to a state in a preset guarantee account.
  • the payment system 2 synchronizes the client terminal 4 to notify the logistics terminal 5 of the performance information, and returns to the performance receipt.
  • the client terminal 4 updates the performance status of the electronic voucher according to the performance receipt.
  • the system includes a logistics terminal 5, and the logistics terminal 5 And for directing the item to move to the destination, and transmitting the receipt information to the payment system 2 .
  • the logistics terminal 5 is set up inside the logistics company, so that the electronic voucher can be completely circulated, and the logistics terminal 5 It can also be implemented in the form of software such as APP and plug-ins. While directing the item to the destination, it may be that the item is delivered to the door or may be delivered in other forms.
  • Logistics terminal 5 Ensure that the items are delivered in a timely manner under the monitoring mode, and can effectively combine the flow trajectory of the goods with the flow trajectory of funds, so that the interests of both buyers and sellers can be effectively protected.
  • the logistics terminal 5 is essentially completing the delivery process. See Figure 5 and Figure 5 for the process.
  • the flow chart of the delivery item provided by the present invention preferably includes the following steps:
  • the logistics terminal 5 delivers the item to submit the performance information, and simultaneously updates the performance information of the content supply server 1.
  • the content providing server 1 receives the updated performance information and simultaneously sends the information to the logistics terminal. Returns the fulfilled notification receipt and synchronizes the fulfillment information in System 2. In this step, the logistics company automatically and the content supply server 1 Synchronize logistics status, such as shipped and signed. The triggering electronic voucher module issues two notifications to the payment system 2 that the fulfillment and the prompt release are made.
  • the content supply server 1 receives the receipt information of the logistics terminal 5, and the payment system 2
  • the amount in the requested state is transferred to an account corresponding to the receipt and settlement information.
  • Payment system 2 It can be set inside the corresponding bank, or it can be set inside the platform that supports Internet financial flow and realized by software. If the bank system transfers funds internally, the bank's internal network can be used to transfer funds. The funds are always circulated in the banking system, ensuring the security of funds. Of course, it can be understood that it is also feasible to complete the transfer of the amount in the request state between the third-party payment company and the bank.
  • the payment system 2 can be solved after the goods are signed to complete the transaction of the goods.
  • the preferred process of this part is shown in Figure 6 and Figure 6.
  • a flow chart for the payment of funds provided for the present invention includes the following steps:
  • the user of the client terminal 4 signs the receipt.
  • a picking code issuing module and a signing code issuing module wherein the picking code issuing module is configured to send a picking code to the logistics terminal 5; the signing code issuing module is configured to the client terminal 4 Send a signing code.
  • the client terminal 4 provides the receipt code to the logistics terminal 5 after the item has moved to the destination.
  • the picking module includes a picking module, a shipping module, and a signing module, wherein: the picking module receives the picking code, and extracts an item corresponding to the item attribute according to the picking code; the shipping module directs the item to move to the Declaring a destination; the signing module sends the receipt information to the payment system according to the receipt code 2 .
  • the method may further include: the payment system includes a delivery code issuing module and a receipt code issuing module; the delivery code issuing module is configured to send a delivery code to the logistics terminal; and the receipt code issuance module is configured to: Sending a signing code to the client terminal.
  • the content providing server includes a picking code issuing module and a signing code issuing module; the picking code issuing module is configured to send a picking code to the logistics terminal; and the signing code issuing module is configured to send to the customer
  • the terminal sends a signing code.
  • a sign-off module can be set up to achieve intelligent receipt.
  • the sign-off module has two preferred implementations, as follows:
  • the signing module includes a signing code issuing module, a signing code confirming module, and a signing and sending module, wherein: the signing code issuing module is configured to connect to the client terminal 4 to issue a signing code to the client. terminal 4
  • the receipt code confirmation module is configured to generate the confirmation receipt code to generate the receipt information after the item moves to the destination and before the thawing the funds or before the settlement is settled to the item owner account, thereby determining Receiving the item receipt;
  • the signing and sending module is configured to communicate to the payment system 2. Sending the receipt information to the payment system 2 .
  • This method is for the buyer to receive the goods, to verify the identity of the buyer when receiving the goods to improve the reliability of the distribution of the logistics company.
  • the signing module includes a signing code issuing module, a signing code confirming module, and a signing and sending module, wherein: the signing code issuing module is configured to connect to the client terminal 4 to issue a signing code to the client. terminal 4
  • the receipt code confirmation module is configured to generate the confirmation receipt code to generate the receipt information after the item moves to the destination and before the thawing the funds or before the settlement is settled to the item owner account, thereby determining Receiving the item receipt;
  • the signing and sending module is configured to communicate to the payment system 2. Sending the receipt information to the payment system 2 .
  • the system also includes a communication connection to the client terminal 4
  • the signing code server is configured to generate the signing code according to the request information of the signing code requesting module, and send the signing code to the client terminal 4 .
  • the signing code server and the content providing server 1 may be the same server to perform different functions.
  • the signing module includes a signing code requesting module, a signing code confirming module, and a signing and sending module, wherein: the signing code requesting module is configured to connect to the signing code server to generate a sign to the signing code server.
  • the receipt code confirmation module is configured to: after the item is delivered to the destination and before the funds are allocated, generate the confirmation receipt code to generate the receipt information, thereby determining the item receipt; the receipt sending a module for communicating to the payment system 2.
  • the receipt information is sent to the payment system 2 and synchronized to the content server 1.
  • the buyer confirms the receipt of the goods to the logistics, and solves the freezing or guarantee funds through the signing code server, thereby protecting the interests of both parties.
  • the logistics terminal 5 After the receipt, the logistics terminal 5 synchronizes the above-mentioned receipt information to the collection and payment system 2 and the content server 1.
  • the content server 1 sends a settlement request to the payment system 2.
  • the payment system 2 unfreezes the funds and transfers them to the target account or transfers the settlement to the target account.
  • the present invention also provides the following preferred solutions:
  • the content supply server 1 or the payment system 2 further includes a countdown module.
  • the countdown module is configured to set countdown information for the electronic voucher; wherein the countdown information includes a payment countdown and/or a delivery countdown generated according to a transaction agreement and/or Or the arrival countdown.
  • the countdown module ensures that items are delivered in a timely manner.
  • the countdown of when the payment is agreed is initiated when the parties to the transaction reach a trading intention, which is a countdown to the payment.
  • the countdown to when the shipment is scheduled is the countdown to the shipment, which is used to ensure that the item or service is shipped in a timely manner; the countdown module is activated when the payment is initiated.
  • the countdown to when the arrival is agreed is the countdown to the receipt, which is used to ensure that the goods or services arrive in time and start when the seller starts shipping.
  • the content providing server 1 or the payment system 2 further includes an insurance module and a public rights module.
  • the insurance module is configured to set the electronic insurance contract information for the electronic voucher; the insurance module guarantees the rights of both parties to the transaction, and minimizes the loss caused by the sudden situation of the transaction process.
  • the insurance module records an electronic insurance contract and does not limit the specific insurance. Through the insurance module, it provides guarantee for the delivery of goods, and compensates for the losses caused by the failure of the transaction of the goods, so as to maximize the interests of both parties.
  • the public rights module is configured to write identification information and/or item ownership information and/or authentication information to the electronic voucher and/or Or registration information.
  • the public rights module is connected with the public authority information and has the functions of registration, authentication and authentication.
  • the content providing server 1 or the payment system 2 further includes a rebate module.
  • the rebate module is used to provide the conditions for the intermediary to publish the connection of the physical certificate, and the transaction is merged to enable the broker to withdraw the commission.
  • FIG. 7 is a structural block diagram of an electronic voucher-based transaction system 100 according to a second embodiment of the present invention, as shown in FIG. 7
  • the embodiment differs from the first embodiment in that the system further includes an enterprise resource planning terminal 6 communicatively coupled to the content provision server 1; the enterprise resource planning terminal 6 , for batch or importing at least an item attribute having a name and an amount, and billing information having at least one account to generate an electronic voucher in batch or one by one, and storing the same in the content providing server 1 Medium.
  • Enterprise Resource Planning, ERP Enterprise Resource Planning
  • Enterprise Resource Planning is MRPII (Enterprise Manufacturing Resource Planning) Next-generation manufacturing systems and resource planning software.
  • the system is connected to the ERP to generate electronic voucher in batches or one by one.
  • FIG. 8 is a structural block diagram of an electronic voucher-based transaction system 100 according to a third embodiment of the present invention, as shown in FIG. 8.
  • the embodiment differs from the first embodiment in that the system further comprises a source terminal 7 communicatively coupled to the content provision server 1; the source terminal 7 Providing at least an item attribute having a name and an amount, and billing information having at least one account, thereby generating an electronic credential and storing the same in the content providing server 1 Medium.
  • the source terminal of this embodiment is mainly directed to a natural person or a small and medium-sized enterprise, preferably a computer or a mobile phone.
  • the item information includes at least the item name, the item location, and the item price.
  • the seller terminal can be an item
  • the producer can also be a non-producer seller.

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Abstract

一种基于电子凭证的交易系统，其包括内容供应服务器（1）、收付系统（2）、展示服务器（3）、客户终端（4）以及物流终端（5），内容供应服务器（1）提供电子凭证，展示服务器（3）发布电子凭证，客户终端（4）提取电子凭证，并向收付系统（2）请求支付金额；收付系统（2）对金额转为请求状态，并通知物流终端（5）转移物品，物流终端（5）指引物品转移至目的地，收付系统（2）接收收货信息后，将处于请求状态的金额划拨至对应的账户中。由此，可摆脱特定销售场所的限制，改变原来依托第三方平台或网络店铺的信誉、以电商为中心的交易模式，物品依托自身属性，便能在物联网上自主、高效流通，实现智能化自主交易，形成以物品为中心的交易模式，不受特定销售地和销售人的限制。

Description

一种基于电子凭证的交易系统 技术领域
本发明涉及互联网领域，尤其涉及一种基于电子凭证的交易系统。
背景技术
随着网络、通信和信息技术的突破性进展，电子商务应运而生并迅速发展起来，日益改变着人们生活，推动着社会商业形态的演进。然而，目前在整体上实体经济仍然游离于电商门槛之外，物品多以实物的方式被放置在实体店铺里，或以图片的方式被放置在网络店铺，形成了'店本位'的销售模式。所购物品的信誉、质量、真伪均以销售的实体店铺或网络店铺的规模、声誉等因素为主要辨析依据，而与物品本身的质量和生产厂商几乎没有关联。例如，现实生活中，人们很难相信在地摊上销售的品牌货是真品， 人们为了购买到原厂正品通常会 在专卖店内购买 。 因为 购买者 更愿意相信专卖店销售的是正品 ，也就是传统的购销主要依赖特定的销售场所进行'店本位'的物品交易 。 实际情形是 品牌专卖店 、甚至大型电商平台 销售高仿 假冒 品 经常被披露并见于报刊和其他媒体 。
互联网交易均为购销双方背对背方式远程在线交易，鉴于此，在网络电子商务中有必要设计一种能综合了交易项下物品全部真实信息、完整的交易规则与服务交易关联系统或装置，创建一种能赋予物品智能化自主交易的环境，使得现有交易模式脱离'店本位'实现'物本位'的交易模式，即是谁销售不重要，销售物品的是谁生产，由谁提供才重要，以保障消费者可以在网络上购买到由原厂提供的正品，以杜绝网购假冒行为，与此同时，大量实体经济的生产者可以通过在物品附着自主智能化交易电子凭证，实现全网域的直接营销。
发明内容
本发明要解决的技术问题在于，针对上述现有技术中物品流通受到特定的销售场所限制、交易信息整合及记录机制不完善，物流收、发货验证机制不健全、无法完全实现物品智能化自主交易的问题，提供一种基于电子凭证的交易系统。
本发明解决其技术问题所采用的技术方案是：构造一种基于电子凭证的交易系统，该系统包括内容供应服务器、通讯连接于所述内容供应服务器的收付系统、通讯连接于所述内容供应服务器的展示服务器、通讯连接于所述展示服务器的客户终端、以及通讯连接于所述内容供应服务器的物流终端，其中：
所述内容供应服务器，用于存储可写入信息的电子凭证，并发送至所述展示服务器；其中，所述电子凭证至少包括具有名称和金额的物品属性以及具有至少一个账户的收结算信息 ；
所述收付系统，用于核发所述电子凭证之后并在接收所述客户终端的请求信息之后，将所请求的金额转为请求状态；还用于在接收所述客户终端的收货信息后，将处于请求状态的所述金额划拨至与所述收结算信息对应的账户中；
所述展示服务器，用于展示所述电子凭证并通过互联网发布所述电子凭证；
所述客户终端，用于通过互联网获取所述电子凭证，于所述电子凭证中写入物流配送的目的地，选择预设的物流支持信息以确定物流配送信息，并依据所述收结算信息向所述收付系统发送所述请求信息以请求支付与所述物品属性对应的金额；
所述物流终端，在所述收付系统收到所述请求支付后，提取与所述物品属性对应的物品，且指引所述物品移动至所述目的地，并发送所述收货信息至所述内容供应服务器。
在本发明所述的系统中，所述收付系统包括核发模块、付款模块、以及收款模块，其中：
所述核发模块，用于核发所述电子凭证并将其返回至所述内容供应服务器；
所述付款模块，用于在接收到所述客户终端的请求信息之后，将所请求的金额转为请求状态；其中，所述请求状态为冻结所述金额的状态或者将所述金额转入预设的担保账户中的状态；
所述收款模块，用于在接收所述客户终端的收货信息后，将处于请求状态的所述金额划拨至与所述收结算信息对应的账户中。
在本发明所述的系统中，该系统还包括通讯连接于所述内容供应服务器的企业资源计划终端；
所述企业资源计划终端，用于导入至少包括具有名称和金额的物品属性以及具有至少一个账户的收结算信息。
在本发明所述的系统中，所述系统还包括通讯连接至所述内容供应服务器的货源终端；
所述货源终端，用于提供至少包括具有名称和金额的物品属性以及具有至少一个账户的收结算信息，并将其存储于所述内容供应服务器中。
在本发明所述的系统中，所述收付系统包括提货码发放模块以及签收码发放模块；
所述提货码发放模块，用于向所述物流终端发送一提货码；
所述签收码发放模块，用于向所述客户终端发送一签收码；
或，
所述内容提供服务器包括提货码发放模块以及签收码发放模块；
所述提货码发放模块，用于向所述物流终端发送一提货码；
所述签收码发放模块，用于向所述客户终端发送一签收码。
在本发明所述的系统中，所述客户终端还用于在所述物品移动至所述目的地之后，向所述物流终端提供所述签收码。
在本发明所述的系统中，所述物流终端包括提货模块、发货模块、以及签收模块，其中：
所述提货模块，用于接收所述提货码，依据所述提货码提取与所述物品属性对应的物品；
所述发货模块，用于指引所述物品移动至所述目的地；
所述签收模块，用于依据所述签收码发送所述收货信息至所述内容提供服务器并同步至所述收付系统。
在本发明所述的系统中，所述收付系统包括倒计时模块；
所述倒计时模块，用于对所述电子凭证写入倒计时信息；其中，所述倒计时信息包括依据交易约定而生成的支付倒计时和 / 或发货倒计时和 / 或到货倒计时。
在本发明所述的系统中，所述收付系统包括保险模块；
所述保险模块，用于对所述电子凭证写入电子保险合同信息。
在本发明所述的系统中，所述收付系统包括公权模块；
所述公权模块，用于对所述电子凭证写入鉴定信息和 / 或物品所有权信息和 / 或认证信息和 / 或交易状态信息和 / 或登记信息。
本发明公开了一种基于电子凭证的交易系统，具有以下有益效果：通过生成与物品相对应且适应于互联网流通的电子凭证，可摆脱特定销售场所的限制，从而改变原来依托第三方电商平台或网络店铺的商业信誉、参看图片、发生交易的以电商为中心的模式，从而使物品可附着其自身属性，如制造厂商，原料等信息，便可在互联网上自主、高效流通，实现智能化自主交易，形成以物品为中心的交易模式。
附图说明
图 1 为本发明第一实施例提供的一种基于电子凭证的交易系统的结构框图；
图 2 为本发明提供的一种基于电子凭证的交易系统的方法流程图；
图 3 为本发明提供的生成并发布电子凭证的流程图；
图 4 为本发明提供的客户终端购买电子凭证的流程图；
图 5 为本发明提供的配送物品的流程图；
图 6 为本发明提供的资金解付的流程图；
图 7 为本发明第二实施例提供的一种基于电子凭证的交易系统的结构框图；
图 8 为本发明第三实施例提供的一种基于电子凭证的交易系统的结构框图。
具体实施方式
为了对本发明的技术特征、目的和效果有更加清楚的理解，现对照附图详细说明本发明的具体实施方式。
本发明提供了一种基于电子凭证的交易系统，其目的在于实现一个'银行担保、照单验货、收货付款'的全智能化系统。其中，该电子凭证的运用可使得物品或服务的交易达成'购销直连'，即直接由厂家发货、自动收款，从物品的源头保障销售正品，从而使得交易更安全可靠；通过添加公权模块以便于监管部门监管物品的动态流通，确保物品质量品质；通过电子凭证指引实体物移动，使得解付有据可依，确保了购买双方的合理权益，实现电商商务中的'一手交钱一手交货'；采用电子凭证还可将尚未生产出的物品或正在制造中的物品，以及服务进行预先发行，提高了资金回笼率，同时通过电子凭证改变了原来依托第三方电商平台（或网络店铺）的商业信誉，参看图片，发生交易的以电商为中心的交易模式，使物品实现在互联网上自主、高效流通，实现智能化自主交易，形成以物品为中心的交易模式；通过该系统，企业可将预计生产的物品或已经制造出的物品或现有的服务以动态记录物品流通信息的电子凭证形式展现于电子商务中，使企业以一笔未来的现金流收入换取一笔即时的现金流收入（如贴现、保理等融资），大大加速物品或服务的资金周转速率，解决物品流动性不足的难题，满足企业的融资要求，加速企业的资金周转，促进社会经济发展。
参见图 1 所示，图 1 为本发明第一实施例提供的一种基于电子凭证的交易系统的结构框图。该基于电子凭证的交易系统 100 包括内容供应服务器 1 、通讯连接于所述内容供应服务器 1 的收付系统 2 、通讯连接于所述内容供应服务器 1 的展示服务器 3 、通讯连接于所述展示服务器 3 的客户终端 4 、以及通讯连接于所述内容供应服务器 1 的物流终端 5 ，该处的'通讯连接'可实现数据同步，还可根据实际需要，选择性地同步数据。其中：
所述内容供应服务器 1 ，用于存储可写入信息的电子凭证，并发送至所述展示服务器；其中，所述电子凭证至少包括具有名称和金额的物品属性以及具有至少一个账户的收结算信息 ；
所述收付系统 2 ，用于核发所述电子凭证之后并在接收所述客户终端的请求信息之后，将所请求的金额转为请求状态；其中，所述请求状态可以理解为冻结存款金额或信用额度的状态或者将存款金额或信用额度转入预设的担保账户中的状态，也就是，暂时冻结购买者银行卡内的信用额度（信用卡）或存款金额（ 借记卡 ），或是将信用额度和存款金额转入预设的担保账户中，可以理解为是一种承诺支付。还用于在接收所述客户终端 4 的收货信息后，将处于请求状态的所述金额划拨至与所述收结算信息对应的账户中；具体地，收付系统还可设定收款账号的事项，该事项经过卖家授权，而由银行执行。
该处的收付系统优选为银行系统或第三方支付系统。其中，收付系统核发电子凭证是指收付系统核准电子凭证中的相关信息（例如卖方银行账户信息，其他资金信息等）后， 将 电子签名写入 该 电子凭证中，再发放该电子凭证， 不仅 达到 了 银行或者其他支付终端 正确 识别该电子凭证的目的 ，也在技术上解决了物品生产者的身份核验问题 。
需要说明的是：所述请求状态为冻结所述金额的状态或者将所述金额转入预设的担保账户中的状态；冻结金额的状态适用于银行作为支付方 和 收款方，转入担保账户是指第三方交易平台将资金转入其担保账户中，以作为该笔交易的担保资金。此外，还可以采用第三方交易平台与银行相互合作的方式为用户提供多种支付和收款方式，从而添加了用户体验。
所述展示服务器 3 ，用于展示所述电子凭证并通过互联网发布所述电子凭证；具体 地 ，内容供应服务器 1 向所述展示服务器 3 发送电子凭证的链接或者映射，从而节省了信息交互资源。
所述客户终端 4 ，用于通过互联网获取所述电子凭证，于所述电子凭证中写入物流配送的目的地，选择预设的物流支持信息以确定物流配送信息，并依据所述收结算信息向所述收付系统发送所述请求信息以请求支付与所述物品属性对应的金额；物流支持信息一般为内容服务器 1 收集多个物流公司的信息，并将该信息一同显示于电子凭证内，方便客户终端 4 选择其中一个作为物品配送的物流公司；请求支付一般是指在收付系统中登入持有客户终端的买家的银行账户信息或其他账户信息以请求支付与物品对应的交易金额至电子凭证中所记录的银行账户或其他账户中。其中，物流支持信息是指提供配送业务的物流公司的表单，以供买方选择相应的物流公司配送电子凭证所对应的货物。
所述物流终端 5 ，在所述收付系统收到所述请求支付后，提取与所述物品属性对应的物品，且指引所述物品移动至所述目的地，并发送所述收货信息至所述内容供应服务器。
优选地 ，所述收付系统 2 包括核发模块、付款模块以及收款模块，其中：
所述核发模块，用于核准写入电子凭证的收款账户信息，并核发所述电子凭证并返回至所述内容供应服务器。
所述付款模块，用于核发所述电子凭证之后并在接收所述客户终端的请求信息之后，将所请求的金额转为请求状态；
所述收款模块，用于在接收所述客户终端的收货信息后，将处于请求状态的所述金额划拨至与所述收结算信息对应的账户中。
下面针对执行该 基于电子凭证的交易系统 的 方法 ，予以详细说明。 参见图 1 和图 2 所示 ， 图 1 为本发明第一实施例提供的 一种基于电子凭证的交易系统的 结构 框图， 图 2 为本发明提供的 一种基于电子凭证的交易系统的 方法流程图，主要分为以下四个步骤：
S1 、提供并发布电子凭证：电子凭证生成装置提供电子凭证，该电子凭证通过设置于银行内部的主机系统被核发，具体地，该处的'核发'是指在所述电子凭证中写入收款账户信息及写入银行的电子签名。所述被核发的电子凭证被发送到一电子仓库，该电子货仓通过互联网发布该电子凭证，从而将电子凭证展示给消费者，同时消费者可通过该电子货仓获得所述电子凭证的。优选地，该处的电子货仓可以为一独立的网站，如电商平台、某个机构的官网平台。当然，也可将该电子货仓设置 于 个人微博，微信等社交平台 中 。
具体地，可以对电子仓库和银行主机系统中的数据建立一一映射的关系。也就是，电子凭证的数据在电子仓库和银行主机系统中的数据同步或部分同步。需要说明的是，生成电子凭证的主体可以是制造商或经销商或自然人。
S2 、购买电子凭证：消费者通过一连接于上述电子货仓的客户终端获取电子凭证，并向银行主机系统发送请求信息以请求支付与物品属性对应的金额；银行主机系统对所请求的金额转为请求状态， 由 物流终端准备 配送 与物品属性对应的物品。需要说明的是，该处的'请求状态'指得是将消费者账户中的资金冻结或暂时将资金划于第三方处予以担保。 也可以理解 为冻结存款金额或信用额度的状态或者将存款金额或信用额度转入预设的担保账户中的状态，也就是，暂时冻结购买者银行卡内的信用额度（信用卡）或存款金额（ 借记卡 ），或是将信用额度和存款金额转入预设的担保账户中，可以理解为是一种承诺支付。
S3 、配送货物：物流终端指引物品移动至目的地。
S4 、解付资金：银行主机系统接收物流终端的收货信息后，将处于请求状态的金额划拨至与收结算信息对应的账户中 。
可以理解地，在步骤 S1 中，电子凭证可写入信息，该处的信息包括但不限于交易信息。电子凭证存储于一内容供应服务器中，其中，电子凭证至少包括具有名称和金额的物品属性以及具有至少一个账户的收结算信息。作为本实施例的一种优选方案，电子凭证由银行主机系统核发，银行主机系统在核发电子凭证之后，还将可选择的物流支持信息写入电子凭证中，并发送至与银行主机系统连接的电子仓库和 / 或内容供应服务器；电子仓库，用于存储电子凭证并通过互联网发布电子凭证；银行主机系统生成电子凭证实质上是构建一个记录全部交易的电子凭证。
具体地， 如图 3 所示， 图 3 为本发明提供的生成并发布电子凭证的流程图， 即 步骤 S1 的 流程优化方案：
S101 、物品提供方向内容供应服务器 1 提交生成电子凭证的请求。
优选地，所述物品提供方可先在本地的电子终端上完成物品的配置，然后再向内容供应服务器 1 提交生成电子凭证的请求。这样，生成的电子凭证源文件可以直接存储在本地的电子终端上，而无须存储在内容供应服务器 1 或收付系统 2 内，只需给一个连接信号给到内容供应服务器 1 或收付系统 2 即可。
也可以直接连线内容供应服务器 1 ，在线完成物品的配置，然后再向内容供应服务器 1 提交生成电子凭证的请求。此外，在电子凭证在线生成的情况下，电子凭证可以直接存至内容供应服务器，在电子凭证离线生成的情况下，也可以实现物品配置请求生成电子凭证，该电子凭证可以离线存储于本地电子终端中。
S102 、内容供应服务器 1 接收该请求并返回物品提供方一配置页面。
S103 、物品提供方于该配置页面内设置电子凭证的各种标签信息，也就是设置电子凭证的履约信息，所述电子凭证至少包括具有名称和金额的物品属性以及具有至少一个账户的收结算信息。
S104 、内容供应服务器 1 生成配置有物品信息的电子凭证模板。
S105 、物品提供方配置收付系统 2 的核发银行，该收付系统 2 并不限定于核发银行，收付系统 2 还可以是其他可于互联网中支持资金流动的平台。同时，内容供应服务器 1 向收付系统 2 发送物品提供方的核发请求。该步骤可以通过在收付系统 2 中设置核发模块来完成，核发模块用于核发所述电子凭证之后写入可选择的物流支持信息，生成电子凭证，并将所述电子凭证发送至所述展示服务器 3 和 / 或所述内容供应服务器 1 。
S106 、收付系统 2 接收该核发请求以完成核发，返回一 PID 至内容供应服务器 1 。
该处涉及的' PID ' 为 port ID ，也就是'端口号'。通常， PID 由 8 位端口优先级加端口号组成，端口号占低位，默认端口号优先级 128 。
当然，也可以由物品提供方直接向银行提交核发所述电子凭证的请求，收付系统 2 确认物品提供方身份信息后，返回一 PID 至物品提供方。可以想到的，物品提供方也可以通过内容供应服务器 1 向收付系统 2 向银行提交核发所述电子凭证的请求，从而获得一 PID ，也是可行的。
S107 、内容供应服务器 1 更新电子凭证的状态为已核发，同步信息至物品提供方。
S108 、物品提供方选择电子凭证的发布方式，一般为选择通过预设的渠道发布电子凭证。该渠道可以是一个链接、也可以是一个广告、还可以是内嵌于 APP 之中程序等等。该步骤可以通过添加电性连接于所述物品提供方的所述发布端口来实现，该发布端口用于连接至互联网以发布所述电子凭证。
S109 、内容供应服务器 1 依据发布渠道发布电子凭证。
S110 、物品提供方或者其他互联网用户均可通过连接至互联网的终端查看该发布的电子凭证。
针对步骤 S2 ，该系统中的所述客户终端 4 ，用于通过互联网浏览并获取所述电子凭证，于所述电子凭证中写入物流配送的目的地，选择所述物流支持信息以确定物流配送信息，并依据所述收结算信息向所述收付系统 2 发送所述请求信息以请求支付与所述物品属性对应的金额；客户终端 4 可以通过插件、 APP 等软体形式实现其功能。所述收付系统 2 接收所述客户终端 4 的请求信息之后，对所请求的金额转为请求状态，并通知物流终端 5 前往物品所在地提取与所述物品属性对应的物品。
客户终端 4 的功能是完成电子凭证的购买，为后续发货步骤提供资金冻结或托管凭证，具体购买电子凭证优选的流程参见图 4 ，图 4 为本发明提供的客户终端 4 购买电子凭证的流程图，该流程包括下述步骤：
S201 、客户终端 4 选择付款银行，也可选择互联网支持资金流动的平台，也可以是与收付系统 2 为同一终端，从而发出支付请求。一般地，登陆银行账户还需键入相应的账户和密码方可登入银行账户，登入点可以是收付系统 2 也可以是银行官方网站。
S202 、收付系统 2 接收该选择指令，验证该客户终端 4 的用户身份，返回至所述客户终端 4 。
S203 、客户终端 4 递交用户身份信息，确认对该电子凭证进行付款。
S204 、收付系统 2 依据接收所述客户终端 4 的请求信息之后，对所请求的金额转为请求状态，并将该信息同步至内容服务器 1 ，由所述内容服务器 1 通知物流终端 5 提取与所述物品属性对应的物品。该步骤可以通过在收付系统 2 设置以付款模块实现，具体地，所述付款模块，用于接收所述客户终端 4 的请求信息之后，对所请求的金额转为请求状态，并将该信息同步至内容服务器 1 ，由所述内容服务器 1 通知物流终端 5 提取与所述物品属性对应的物品；其中，所述请求状态为冻结所述金额的状态或者将所述金额转入预设的担保账户中的状态。
S205 、收付系统 2 同步该客户终端 4 通知物流终端 5 的履约信息，并返回履约回执。
S206 、客户终端 4 依据履约回执更新电子凭证的履约状态。
针对步骤 S3 ，该系统包括物流终端 5 ，所述物流终端 5 ，用于指引所述物品移动至目的地，并发送所述收货信息至所述收付系统 2 。物流终端 5 设置于物流公司内部，从而使该电子凭证得以完全流通，该物流终端 5 同样可以通过 APP 、插件等软体形式实现。而指引所述物品移动至所述目的地，可以是将物品配送上门也可以是其他形式配送。
物流终端 5 确保物品在监控形式下及时交付，并能将物品的流转轨迹和资金的流转轨迹有效的结合，使得买卖双方的权益均能得到有效保护。
该物流终端 5 实质上是完成发货流程，该流程参见图 5 ，图 5 为本发明提供的配送物品的流程图，优选地包括以下步骤：
S301 、物流终端 5 配送物品以提交履约信息，并同步更新内容供应服务器 1 的履约信息。
S302 、内容供应服务器 1 接收到更新的履约信息后同时向物流终端 5 返回已履约的通知回执，并同步收付系统 2 中的履约信息。该步骤中，由物流公司自动与内容供应服务器 1 同步物流状态，例如已发货、已签收。触发电子凭证模块向收付系统 2 发出已履约、提示解付两个通知。
S303 、电子凭证于物流终端 5 中更新履约信息。
针对步骤 S4 内容供应服务器 1 接收所述物流终端 5 的收货信息后，收付系统 2 将处于请求状态的所述金额划拨至与所述收结算信息对应的账户中。收付系统 2 可以设置于相应的银行内部，也可以设置于支持互联网资金流动的平台内部，通过软件实现。若是银行系统内部转账，则利用银行内部网络实现转账即可，资金始终在银行系统内流通，保证了资金安全。当然，可以理解，该处将处于请求状态的所述金额在第三方支付公司与银行之间完成划拨，也是可行的。
该收付系统 2 在物品签收之后可解付从而完成物品交易，该部分优选的流程参见图 6 ，图 6 为本发明提供的资金解付的流程图，包括以下步骤：
S401 、物品送达后，客户终端 4 的用户签收。一般地，通过在所述收付系统 2 设置提货码发放模块以及签收码发放模块；其中，所述提货码发放模块，用于向所述物流终端 5 发送一提货码；所述签收码发放模块，用于向所述客户终端 4 发送一签收码。
所述客户终端 4 在所述物品移动至所述目的地之后，向所述物流终端 5 提供所述签收码。
所述物流终端 5 包括提货模块、发货模块以及签收模块，其中：所述提货模块接收所述提货码，依据所述提货码提取与所述物品属性对应的物品；所述发货模块指引所述物品移动至所述目的地；所述签收模块依据所述签收码发送所述收货信息至所述收付系统 2 。该方式还可以为：所述收付系统包括提货码发放模块以及签收码发放模块；所述提货码发放模块，用于向所述物流终端发送一提货码；所述签收码发放模块，用于向所述客户终端发送一签收码。
或者，所述内容提供服务器包括提货码发放模块以及签收码发放模块；所述提货码发放模块，用于向所述物流终端发送一提货码；所述签收码发放模块，用于向所述客户终端发送一签收码。此外，还可以在客户终端 4 可以设置一签收模块以实现智能化收货，签收模块有两种优选的实施方式，具体如下：
方式一：签收模块包括签收码发放模块、签收码确认模块、以及签收发送模块，其中：所述签收码发放模块，用于通讯连接至所述客户终端 4 ，以发放一签收码至所述客户终端 4 ；所述签收码确认模块，用于在所述物品移动至目的地之后并在解冻所述资金之前或划拨结算至物品所有者账户之前，生成确认所述签收码以生成签收信息，从而确定所述物品签收；所述签收发送模块，用于通讯连接至所述收付系统 2 ，将所述签收信息发送至所述收付系统 2 。
该方式针对买家收货用，以验证买家收货时身份提高物流公司配送的可靠性。
方式二：签收模块包括签收码发放模块、签收码确认模块、以及签收发送模块，其中：所述签收码发放模块，用于通讯连接至所述客户终端 4 ，以发放一签收码至所述客户终端 4 ；所述签收码确认模块，用于在所述物品移动至目的地之后并在解冻所述资金之前或划拨结算至物品所有者账户之前，生成确认所述签收码以生成签收信息，从而确定所述物品签收；所述签收发送模块，用于通讯连接至所述收付系统 2 ，将所述签收信息发送至所述收付系统 2 。
该系统还包括通讯连接至客户终端 4 的签收码服务器；所述签收码服务器用于依据所述签收码请求模块的请求信息生成所述签收码，并将所述签收码发送至所述客户终端 4 。其中，该签收码服务器与内容供应服务器 1 可以为同一服务器，以执行不同的功能。
所述签收模块包括签收码请求模块、签收码确认模块以及签收发送模块，其中：所述签收码请求模块，用于通讯连接至所述签收码服务器，以向所述签收码服务器请求生成一签收码；所述签收码确认模块，用于在所述物品配送至目的地之后并在划拨所述资金之前，生成确认所述签收码以生成签收信息，从而确定所述物品签收；所述签收发送模块，用于通讯连接至所述收付系统 2 ，将所述签收信息发送至所述收付系统 2 ，并同步到内容服务器 1 中。
该方式针对买家向物流确认收到货，通过签收码服务器解付冻结或担保资金，从而保障购买双方权益。
S402 、签收之后物流终端 5 将上述签收信息同步到收付系统 2 以及内容服务器 1 中。
S403 、内容服务器 1 向收付系统 2 发送解付请求。
S404 、收付系统 2 解冻所述资金并将其转账至目标账户或划拨结算至目标账户。
为了更好地实现电子凭证的智能化，本发明还提供下述优选方案：
1 ）所述内容供应服务器 1 或收付系统 2 还包括倒计时模块。
所述倒计时模块用于对所述电子凭证设置倒计时信息；其中，所述倒计时信息包括依据交易约定而生成的支付倒计时和 / 或发货倒计时和 / 或到货倒计时。倒计时模块可确保物品及时交付。
约定何时支付的倒计时，是交易双方达成交易意向时便启动，属于支付倒计时。
约定何时发货的倒计时就是发货倒计时，用于保证物品或服务及时发货；该倒计时模块，在启动支付时便启动。
约定何时到货的倒计时就是收货倒计时，用于保证物品或服务及时到货，在卖家开始发货时启动。
2 ）所述内容供应服务器 1 或收付系统 2 还包括保险模块以及公权模块。
所述保险模块，用于对所述电子凭证设置电子保险合同信息；保险模块保证交易双方的权益，最大限度的降低了交易过程的突然状况造成的损失。保险模块记录有电子保险合同，不限定具体险种。通过该保险模块为货品的交付提供担保，对物品交易失败造成的损失进行赔付，最大限度的保证购买双方的利益。
所述公权模块，用于对所述电子凭证写入鉴定信息和 / 或物品所有权信息和 / 或认证信息和 / 或登记信息。公权模块与公权机构信息连接，具有登记、鉴定、认证功能。
3 ）所述内容供应服务器 1 或收付系统 2 还包括返佣模块。
返佣模块用于提供中间商将物信证的连接发布的条件，从中撮合交易，使中间商得以提取佣金。
图 7 为本发明第二实施例提供的一种基于电子凭证的交易系统 100 的结构框图，如图 7 所示，该实施例不同于第一实施例之处在于，该系统还包括通讯连接于所述内容供应服务器 1 的企业资源计划终端 6 ；所述企业资源计划终端 6 ，用于批量或逐一导入至少包括具有名称和金额的物品属性以及具有至少一个账户的收结算信息以批量或逐一生成电子凭证，并将其存储于所述内容供应服务器 1 中。企业资源计划，即 ERP(Enterprise Resource Planning) ，企业资源计划是 MRPⅡ （企业制造资源计划）下一代的制造业系统和资源计划软件。系统通过与 ERP 对接，从而实现批量或逐一生成电子凭证。
图 8 为本发明第三 实施例提供的 一种基于电子凭证的交易系统 100 的结构 框图，如图 8 所示，该实施例不同于第一实施例之处在于，所述系统还包括通讯连接至所述内容供应服务器 1 的货源终端 7 ；所述货源终端 7 ，用于提供至少包括具有名称和金额的物品属性以及具有至少一个账户的收结算信息 ，从而 生成电子凭证，并将其存储于所述内容供应服务器 1 中。该实施例的货源终端主要针对的是自然人或中小型企业，优选地，为电脑，手机。其中，所述物品信息至少包括所述物品名称、物品所在地、以及物品价格。该卖方终端可以是物品 生产 方，也可以是 非生产方的销售方 。
上面结合附图对本发明的实施例进行了描述，但是本发明并不局限于上述的具体实施方式，上述的具体实施方式仅仅是示意性的，而不是限制性的，本领域的普通技术人员在本发明的启示下，在不脱离本发明宗旨和权利要求所保护的范围情况下，还可做出很多形式，这些均属于本发明的保护之内。

Claims (10)

1 、 一种基于电子凭证的交易系统， 其特征在于，该系统包括内容供应服务器、通讯连接于所述内容供应服务器的收付系统、通讯连接于所述内容供应服务器的展示服务器、通讯连接于所述展示服务器的客户终端、以及通讯连接于所述内容供应服务器的物流终端，其中：
所述内容供应服务器，用于存储可写入信息的电子凭证，并发送至所述展示服务器；其中，所述电子凭证至少包括具有名称和金额的物品属性以及具有至少一个账户的收结算信息 ；
所述收付系统，用于核发所述电子凭证之后并在接收所述客户终端的请求信息之后，将所请求的金额转为请求状态；还用于在接收所述客户终端的收货信息后，将处于请求状态的所述金额划拨至与所述收结算信息对应的账户中；
所述展示服务器，用于展示所述电子凭证并通过互联网发布所述电子凭证；
所述客户终端，用于通过互联网获取所述电子凭证，于所述电子凭证中写入物流配送的目的地，选择预设的物流支持信息以确定物流配送信息，并依据所述收结算信息向所述收付系统发送所述请求信息以请求支付与所述物品属性对应的金额；
所述物流终端，在所述收付系统收到所述请求支付后，提取与所述物品属性对应的物品，且指引所述物品移动至所述目的地，并发送所述收货信息至所述内容供应服务器。
2 、根据权利要求 1 所述的系统，其特征在于，所述收付系统包括核发模块、付款模块、以及收款模块，其中：
所述核发模块，用于核发所述电子凭证并将其返回至所述内容供应服务器；
所述付款模块，用于在接收到所述客户终端的请求信息之后，将所请求的金额转为请求状态；其中，所述请求状态为冻结所述金额的状态或者将所述金额转入预设的担保账户中的状态；
所述收款模块，用于在接收所述客户终端的收货信息后，将处于请求状态的所述金额 划拨 至与所述收结算信息对应的账户中。
3 、根据权利要求 1 所述的系统，其特征在于， 该系统还包括通讯连接于所述内容供应服务器的企业资源计划终端；
所述企业资源计划终端，用于导入至少包括具有名称和金额的物品属性以及具有至少一个账户的收结算信息。
4 、根据权利要求 1 所述的系统，其特征在于，所述系统还包括通讯连接至所述内容供应服务器的货源终端；
所述货源终端，用于提供至少包括具有名称和金额的物品属性以及具有至少一个账户的收结算信息，并将其存储于所述内容供应服务器中。
5 、根据权利要求 1 所述的系统，其特征在于，所述收付系统包括提货码发放模块以及签收码发放模块；
所述提货码发放模块，用于向所述物流终端发送一提货码；
所述签收码发放模块，用于向所述客户终端发送一签收码；
或，
所述内容提供服务器包括提货码发放模块以及签收码发放模块；
所述提货码发放模块，用于向所述物流终端发送一提货码；
所述签收码发放模块，用于向所述客户终端发送一签收码。
6 、根据权利要求 5 所述的系统，其特征在于，所述客户终端还用于在所述物品移动至所述目的地之后，向所述物流终端提供所述签收码。
7 、根据权利要求 6 所述的系统，其特征在于，所述物流终端包括提货模块、发货模块、以及签收模块，其中：
所述提货模块，用于接收所述提货码，依据所述提货码提取与所述物品属性对应的物品；
所述发货模块，用于指引所述物品移动至所述目的地；
所述签收模块，用于依据所述签收码发送所述收货信息至所述内容提供服务器并同步至所述收付系统。
8 、根据权利要求 1 所述的系统，其特征在于，所述收付系统包括倒计时模块；
所述倒计时模块，用于对所述电子凭证写入倒计时信息；其中，所述倒计时信息包括依据交易约定而生成的支付倒计时和 / 或发货倒计时和 / 或到货倒计时。
9 、根据权利要求 1-8 中任一项所述的系统，其特征在于，所述收付系统包括保险模块；
所述保险模块，用于对所述电子凭证写入电子保险合同信息。
10 、根据权利要求 9 所述的系统，其特征在于，所述收付系统包括公权模块；
所述公权模块，用于对所述电子凭证写入鉴定信息和 / 或物品所有权信息和 / 或认证信息和 / 或交易状态信息和 / 或登记信息。
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