WO2016037371A1

WO2016037371A1 - Electronic certificate-based payment system

Info

Publication number: WO2016037371A1
Application number: PCT/CN2014/086464
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2014-09-12
Filing date: 2014-09-12
Publication date: 2016-03-17
Also published as: CA3176726C; CN104854613A; CA3176736A1; CA3176736C; CA3176726A1; CA3176732A1; CA2997808A1; CA2997808C; CA3176741A1

Abstract

An electronic certificate-based payment system comprising a vendor terminal (2), a payment system (1), a client terminal (4), and a logistics terminal (3). The vendor terminal (2) applies to the payment system (1) for issuance of an electronic certificate. The payment system (1) issues the electronic certificate. The client terminal (4) collects the electronic certificate and requests the payment system (1) for a payment amount. The payment system (1) converts the amount to a requested state and notifies the logistics terminal (3) to transfer goods. The logistics terminal (3) instructs movement of the goods to a destination. The payment system (1) transfers the amount in the requested state into a corresponding account when shipment receipt information is received. By means of the electronic certificate-based payment system, a restriction to a specific sales location is removed, and an original transaction mode that relied on the reputation of a third-party platform and centered on an electronic vendor is altered, thus forming a transaction mode centering on goods, and facilitating autonomous and highly efficient circulation of the goods on the internet.

Description

Electronic voucher based payment system

Technical field

The present invention relates to the field of Internet, and in particular, to an electronic voucher-based payment system.

Background technique

With the breakthrough of network, communication and information technology, e-commerce emerged as the times require and developed rapidly, which has gradually changed people's lives and promoted the evolution of social business forms. However, at present, the real economy is still outside the e-commerce threshold, and the items are placed in physical stores in physical ways, or placed in online stores in the form of pictures, forming a sales model of 'shop-based'. . The reputation, quality, and authenticity of the purchased products are mainly based on the factors such as the size and reputation of the physical store or online store sold, and are almost unrelated to the quality of the goods themselves and the manufacturer. For example, in real life, it is hard to believe that the branded goods sold on the stalls are authentic, and all of them are branded in the specialty store, because it is believed that the sales in the store must be genuine, and people buy the original Factory products are usually purchased in specialty stores. Because the buyer is more willing to believe that the store sells genuine products, that is, the traditional purchase and sale mainly rely on the specific sales place to carry out the 'store-based' item transaction. The reality is that high-profile counterfeit goods sold by brand stores and even large e-commerce platforms are often disclosed and seen in newspapers and other media.

Internet transactions are both remote and online transactions between the purchaser and the seller. In view of this, it is necessary to design a system or device that can integrate all the real information of the items under the transaction, complete transaction rules and service transactions, and create a An environment that can give items intelligent and independent trading, so that the existing trading mode is separated from the 'store standard' to achieve the 'goods-based' trading model, that is, who is not important in sales, who produces the goods and who provides them. In order to protect consumers from purchasing genuine products provided by the original factory on the Internet, in order to prevent online shopping and counterfeiting, at the same time, a large number of real economy producers can realize the full domain by electronically credulating electronically vouchers attached to the items. Direct marketing.

Summary of the invention

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 transaction intelligence cannot be fully realized. The issue of autonomous transactions provides a payment system based on electronic voucher.

The technical solution adopted by the present invention to solve the technical problem is: constructing an electronic voucher-based payment system, the system comprising a vendor terminal, a payment system communicatively coupled to the vendor terminal, and a client terminal communicatively coupled to the payment system And a logistics terminal connected to the payment system, wherein:

The vendor terminal is configured to import at least an item attribute having a name and an amount, and receipt and settlement information having at least one account to generate an electronic voucher template;

The payment system is configured to store an electronic voucher for writing information; and is further 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; After receiving the receipt information of the client terminal, the amount in the request state is paid into an account corresponding to the receipt and settlement information;

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 payment system.

In the system of the present invention, the payment system includes a storage module, a verification module, a payment module, a collection module, and a distribution module, wherein:

The storage module is configured to store an electronic voucher of writable information, wherein the electronic voucher includes at least an item attribute having a name and an amount, and settlement and settlement information having at least one account;

The issuing module is configured to issue the electronic voucher;

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 preset Status in the secured account;

The payment module is configured to: after receiving the receipt information of the logistics terminal, transfer the amount in the request state to an account corresponding to the receipt and settlement information;

The issuing module is configured to publish the electronic voucher via the Internet.

In the system of the present invention, 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.

In the system of the present invention, the client terminal is further configured to provide the signing code to the logistics terminal after the goods are moved to the destination.

In the system of the present invention, 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 the goods corresponding to the item attribute according to the picking code;

The delivery module is configured to direct the goods to move to the destination;

The signing module is configured to send the receipt information to the payment system according to the signing code.

In the system of the present invention, 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.

In the system of the present invention, the payment system includes an insurance module;

The insurance module is configured to write the electronic insurance contract information to the electronic voucher.

In the system of the present invention, 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 payment 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 independently and efficiently distributed on the Internet, and achieve intelligentization. Independent trading, forming an item-centric trading model.

DRAWINGS

1 is a structural block diagram of an electronic voucher-based payment system provided by the present invention;

2 is a flow chart of a method for an electronic voucher-based payment system provided by the present invention;

3 is a flow chart of generating and publishing an electronic voucher provided by the present invention;

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 of goods provided by the present invention;

FIG. 6 is a flow chart of the fund settlement provided by the present invention.

detailed description

For a better understanding of the technical features, objects and effects of the present invention, the embodiments of the present invention are described in detail with reference to the accompanying drawings.

The present invention provides an electronic voucher based payment system 100 The purpose is to realize a fully intelligent system of 'payment system guarantee, single inspection, receipt payment'. Among them, the use of the electronic voucher can make the transaction of the goods or services reach the 'purchase of direct sales', that is, directly by the manufacturer, automatic collection, Guarantee the sale of genuine products from the source of the goods In order to make the transaction more secure and reliable; by adding the public rights module to facilitate the supervision department to supervise the dynamic circulation of the goods, to ensure the quality of the goods; to guide the physical movement through the electronic voucher, so that the payment can be based on the evidence, ensuring the reasonableness of the purchase Equity, realize the 'one-handed delivery of one-handed delivery' in e-commerce business; the use of electronic voucher can also pre-issue unproduced articles or manufactured goods and services, improve the rate of return of funds, and speed up funds At the same time, through the electronic voucher, the business reputation of the third-party e-commerce platform (or online store) was changed. See the picture, the e-commerce-centric transaction mode of the transaction occurred, so that the articles can be autonomously and efficiently distributed on the Internet. Achieve intelligent and autonomous transactions, and form an item-centric transaction model; through this system, enterprises can display e-commerce in the form of electronic voucher for dynamically recording the circulation information of items or existing products or existing services. In which the company exchanges a future cash flow income for an instant cash The flow of income has greatly improved the problem of insufficient liquidity of capital turnover, meeting the financing requirements of enterprises, accelerating the turnover of enterprises and promoting social and economic development.

FIG. 1 is a structural block diagram of an electronic voucher-based payment system 100 according to a first embodiment of the present invention, as shown in FIG. An electronic voucher-based payment system 100 includes a vendor terminal 2, a payment system 1 communicatively coupled to the vendor terminal 2, and a client terminal communicatively coupled to the payment system 1 And a communication terminal 3 connected to the payment system 1 . The communication connection has the function of synchronizing data, and can selectively synchronize data according to actual needs.

Wherein: the manufacturer terminal 2 And for importing at least an item attribute having a name and an amount and receiving settlement information having at least one account to generate an electronic voucher;

The payment system 1 is configured to store an electronic voucher capable of writing information; and is further configured to issue the electronic voucher and receive the client terminal 3 After requesting the information, the requested amount is converted to the request status; and is also used to receive the client terminal 3 After the receipt information, the amount in the request status is paid to the account corresponding to the receipt and settlement information; wherein the request status can be understood as the state of freezing the deposit amount or the credit amount or the amount of the deposit. Or the credit line is transferred to the state in the default guarantee account, that is, the credit limit (credit card) or deposit amount (debit card) in the purchaser's bank card is temporarily frozen. , or transfer the credit line and deposit amount into the default guarantee account, can be understood as a promised payment.

The issuing electronic voucher of the office refers to the relevant information in the electronic voucher (such as seller account information, other fund information, etc.), and then writes the electronic signature of the payment system in the electronic voucher, and then issues the electronic voucher, which not only reaches the payment. The purpose of the terminal correctly identifying the electronic voucher is also technically solved by the identity verification of the item producer.

The client terminal 4 And the electronic voucher is obtained by using the Internet, the destination of the logistics distribution is written in the electronic voucher, the preset logistics support information is selected to determine the logistics distribution information, and the payment is received according to the settlement information. System 1 Sending the request information to request payment of an amount corresponding to the item attribute;

The logistics terminal 3 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 payment system 1 .

For the system, the method of executing the system is shown in Figure 2, Figure 2 A flow chart of a method for an electronic voucher-based payment system provided by the present invention is mainly divided into the following four steps:

S1. Provide and publish electronic voucher: Vendor terminal 2 Provide electronic voucher template for completion configuration, payment system 1 After the issuance thereof, the electronic voucher is published via the Internet. Among them, the manufacturer, the distributor, or the natural person may be the main body that provides the electronic voucher resource. Specifically, the 'reissue' at this point refers to writing the payment account information and the electronic signature written in the payment system in the electronic voucher.

S2, purchasing an electronic voucher: the client terminal 4 acquires the electronic voucher and sends the electronic voucher to the payment system 1 Sending the request information to request payment of an amount corresponding to the item attribute; or transmitting the request information to the payment system 1 through the vendor terminal 2 to request payment of an amount corresponding to the item attribute; the payment system 1 The requested amount is converted to the request status, and the status information is synchronized to the client terminal 4 and/or the vendor terminal 2, and the logistics terminal is notified 3 It is prepared to go to the address provided by the owner of the goods, or may be the location of the goods recorded on the electronic voucher, and extract the goods corresponding to the attributes of the items.

S3, delivery goods: logistics terminal 3 directs the goods to move to the destination.

S4, payment of funds: payment system 1 receiving the logistics terminal 3 After the receipt information, the amount in the request status is transferred to the account corresponding to the receipt and settlement information.

Wherein, for step S1, the vendor terminal 2 An electronic voucher for storing writable information, 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 1 After the electronic voucher is issued, the optional logistics support information is written and sent to the vendor terminal 2; the payment system 1 generates the electronic voucher essentially by constructing an electronic voucher for recording all transactions. Step S1 For a preferred process, see FIG. 3, which is a flowchart of generating and publishing an electronic voucher provided by the present invention, including the following steps:

S101, the goods supply direction vendor terminal 2 submits a request to generate an electronic voucher.

Preferably, the goods provider can complete the configuration of the items on the local electronic terminal before proceeding to the manufacturer terminal 2 Submit a request to generate an electronic voucher. In this way, the generated electronic voucher source file can be directly stored on the local electronic terminal without being stored in the manufacturer terminal 2 or the payment system 1, and only a connection signal is sent to the manufacturer terminal. 2 or payment system 1 is sufficient.

It is also possible to directly connect to the manufacturer terminal 2, complete the configuration of the item online, and then to the manufacturer terminal 2 Submit a request to generate an electronic voucher. In addition, in the case of online generation of electronic voucher, the electronic voucher can be directly stored in the payment system 1 In the case that the electronic voucher is generated offline, the item configuration request may also be implemented to generate an electronic voucher, which may be stored offline in the local electronic terminal.

S102, the manufacturer terminal 2 receives the request and returns to the goods provider one configuration page.

S103 The goods 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.

S104. The manufacturer terminal 2 generates an electronic voucher template in which the item information is configured.

S105, the goods provider configures the payment system 1 of the issuing authority, that is, in the payment system 1 Choose a third-party payment company. The payment system 1 can also be other platforms that support the flow of funds in the Internet. At the same time, the manufacturer terminal 2 to the payment system 1 Send a request from the cargo provider for verification. This step can be passed in the payment system 1 The issuing module is configured to complete, and 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 vendor terminal 2 .

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 payment system 1 .

S106. The payment system 1 receives the verification request to complete the verification, and returns a PID to the manufacturer terminal 2 .

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.

Of course, the request for issuing the electronic voucher can also be submitted directly by the goods provider to the payment system 1, the payment system 1 After confirming the identity information of the goods provider, return a PID to the goods provider. It is conceivable that the goods provider can also submit a request for issuing the electronic voucher to the payment system 1 through the manufacturer terminal 2, thereby obtaining one. PID is also feasible.

S107, Vendor Terminal 2 The status of the updated electronic voucher is issued, and the synchronization information is sent to the goods provider.

S108 The way in which the goods provider chooses to publish the electronic voucher is generally to choose to publish the electronic voucher through a preset channel. The channel can be a link, an ad, or an app embedded in the app. And so on. This step can be implemented by adding the issue port electrically connected to the goods provider for connecting to the Internet to publish the electronic voucher.

S109, payment system 1 Publish electronic voucher according to the publishing method.

The S110, the goods 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 paying the payment according to the settlement information. System 1 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 1 receives the client terminal 4 After the request information, the requested amount is transferred to the request status, and the logistics terminal 3 is notified to go to the cargo location to extract the goods corresponding to the item attributes.

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. A flow chart for purchasing an electronic voucher, the process comprising the following steps:

S201, customer terminal 4 Select the payment account, you can also choose the Internet to support the flow of funds, or it can be with the payment system 1 Is the same terminal, thereby issuing a payment request. Generally, the login payment account also needs to enter the corresponding account and password to log in to the payment account.

S202. The payment system 1 receives the selection instruction, verifies the identity of the user terminal 4, and returns to the client terminal. .

S203. The client terminal 4 submits the user identity information and confirms payment for the electronic voucher.

S204, the payment system 1 receives the client terminal according to 4 After requesting the information, the amount is requested from the selected account, and the requested amount is transferred to the request status, and the logistics terminal 3 is notified to extract the goods corresponding to the attribute of the item, the part amount being determined by the client terminal 4 User provided. This step can be implemented by setting up a payment module in the payment system 1, in particular, the payment module for receiving the client terminal 4 After the request information, the requested amount is transferred to the request status, and the logistics terminal 3 is notified to extract the goods corresponding to the item attributes.

S205. The payment system 1 synchronizes the client terminal 4 to notify the logistics terminal 3 of the performance information, and returns to the performance receipt.

S206. The client terminal 4 updates the performance status of the electronic voucher according to the performance receipt.

For step S3, the system includes a logistics terminal 3, and the logistics terminal 3 And for directing the goods to move to the destination, and transmitting the receipt information to the payment system 1 . The logistics terminal 3 is installed inside the logistics company, so that the electronic certificate can be completely circulated, and the logistics terminal 3 It can also be implemented in the form of software such as APP and plug-ins. While directing the goods to the destination, the goods may be delivered to the door or may be delivered in other forms.

Logistics terminal 3 Ensure that the goods are delivered in a timely manner under the monitoring mode, and can effectively combine the trajectory of the goods and the flow of funds, so that the interests of both buyers and sellers can be effectively protected.

The logistics terminal 3 is substantially completing the delivery process. The process is shown in FIG. 5 and FIG. 5 is a flow chart of the delivery goods provided by the present invention. , preferably comprising the following steps:

S301. The logistics terminal 3 delivers the goods to submit the performance information, and simultaneously updates the performance information of the payment system 1.

S302, payment system 1 Upon receipt of the updated performance information, the return notification of the performance is returned. In this step, the logistics company automatically synchronizes the logistics status with the payment system 1, for example, it has been shipped and signed. Triggering the electronic voucher module to the payment system 2 Issued two notices of fulfillment and prompt payment.

S303 and the electronic voucher update the performance information in the streaming terminal 3.

For the step S4, the system comprises the payment system 1 , wherein the payment system 1 is for receiving the logistics terminal 3 After the receipt information, the amount in the request status is transferred to the account corresponding to the receipt and settlement information. Payment system here 1 Mainly for third-party payment companies. 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 1 can be settled 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:

S401. After the goods are delivered, the user of the client terminal 4 signs for receipt. Generally, by the payment system 1 The picking code issuing module and the signing code issuing module are configured; wherein the picking code issuing module is configured to send a picking code to the logistics terminal 3; 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 3 after the goods are moved to the destination.

The logistics terminal 3 The picking module includes a picking module, a shipping module, and a signing module, wherein: the picking module receives the picking code, and extracts goods corresponding to the item attribute according to the picking code; the shipping module directs the goods to move to the Declaring a destination; the signing module sends the receipt information to the payment system according to the signing code 1 .

In addition, it can also be in the client terminal 4 A signing module can be set to implement intelligent receiving, and the signing module has two preferred implementation modes, as follows:

Manner 1: 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 a confirmation receipt to generate a receipt information after the goods are moved to a destination and before the funds are thawed or before the settlement is settled to the cargo owner account, thereby determining Charging receipt; the receipt sending module is configured to communicate to the payment system 1. Sending the receipt information to the payment system 1 . The method can also be: the payment system 1 The picking code issuing module and the receiving code issuing module are configured to send a picking code to the logistics terminal, and the signing code issuing module is configured to send a signing code to the client terminal.

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.

Manner 2: 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 a confirmation receipt to generate a receipt information after the goods are moved to a destination and before the funds are thawed or before the settlement is settled to the cargo owner account, thereby determining Charging receipt; the receipt sending module is configured to communicate to the payment system 1. Sending the receipt information to the payment system 1 .

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. Wherein, the signing code server and the manufacturer terminal 2 Can 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 request to the signing code server. a receipt code confirmation module, configured to: after the goods are delivered to the destination and before the funds are allocated, generate the confirmation receipt code to generate the receipt information, thereby determining the goods receipt; the receipt a sending module for communicating to the payment system 1. Sending the receipt information to the payment system 1 .

In this way, 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.

S402, after the receipt of the logistics terminal 3, the above-mentioned receipt information is synchronized with the payment system 1 .

S403. The payment system 1 unfreezes the funds and transfers them to the target account or transfers the settlement to the target account.

In order to better implement intelligent electronic credentials, the present invention also provides the following preferred solutions:

1) The vendor terminal 2 or payment system 1 also 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 generated according to a transaction agreement and / or delivery countdown and / or 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.

2) The vendor terminal 2 or the payment system 1 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. Insurance module There is an electronic insurance contract recorded, and no specific insurance is allowed. 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.

3) The vendor terminal 2 or the payment system 1 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.

The embodiments of the present invention have been described above with reference to the drawings, but the present invention is not limited to the specific embodiments described above, and the specific embodiments described above are merely illustrative and not restrictive, and those skilled in the art In the light of the present invention, many forms may be made without departing from the spirit and scope of the invention as claimed.

Claims

1. An electronic voucher-based payment system, The system includes a vendor terminal, a payment system communicatively coupled to the vendor terminal, a client terminal communicatively coupled to the payment system, and a logistics terminal communicatively coupled to the payment system, wherein:

2, according to claim 1 The system is characterized in that the payment system comprises a storage module, a verification module, a payment module, a collection module and a distribution module, wherein:

The issuing module is configured to issue the electronic voucher;

3, according to claim 1 The system is characterized in that the payment system comprises a delivery code issuing module and a receipt code issuing module;

4. According to claim 3 The system is characterized in that the client terminal is further configured to provide the signing code to the logistics terminal after the goods are moved to the destination.

5 according to claim 4 The system is characterized in that the logistics terminal comprises a delivery module, a delivery module and a receipt module, wherein:

6. The system of claim 1 wherein the payment system comprises 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 Or the delivery countdown and / or the arrival countdown.

The system according to any one of claims 1 to 6, wherein the payment system comprises a insurance module;

8. The system of claim 7 wherein said payment system comprises a public rights module;

The public rights module is configured to write authentication information and/or item ownership information and/or authentication information and/or transaction status information to the electronic voucher and/or Or registration information.