WO2017012013A1 - 一种电子凭证的退回方法以及电子支付系统 - Google Patents

一种电子凭证的退回方法以及电子支付系统 Download PDF

Info

Publication number
WO2017012013A1
WO2017012013A1 PCT/CN2015/084582 CN2015084582W WO2017012013A1 WO 2017012013 A1 WO2017012013 A1 WO 2017012013A1 CN 2015084582 W CN2015084582 W CN 2015084582W WO 2017012013 A1 WO2017012013 A1 WO 2017012013A1
Authority
WO
WIPO (PCT)
Prior art keywords
bank
request
electronic voucher
certificate
return
Prior art date
Application number
PCT/CN2015/084582
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 CA2993253A priority Critical patent/CA2993253C/en
Priority to PCT/CN2015/084582 priority patent/WO2017012013A1/zh
Publication of WO2017012013A1 publication Critical patent/WO2017012013A1/zh

Links

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
    • G06Q20/08—Payment architectures

Definitions

  • the present invention relates to the field of electronic commerce, and in particular to a method for returning electronic vouchers and an electronic payment system [0002]
  • the present invention provides a method for returning an electronic voucher, comprising: receiving a return electronic voucher request by the bank, and transmitting the request to the issuing bank; the receiving bank receiving the return electronic voucher request, The request is sent to the recipient; the receiving bank receives the information fed back by the certificate, and if the content of the feedback information is that the card holder determines to return the electronic voucher, the bank receives the electronic voucher returned by the card.
  • a method for returning an electronic voucher provided by the present invention includes:
  • the bank receives the return electronic voucher request, and sends the request to the issuing bank;
  • the receiving bank receives the return electronic voucher request, and sends the request to the recipient;
  • the receiving bank receives the information fed back by the certificate, and if the content of the feedback information is that the card holder determines to return the electronic voucher, the bank receives the returned electronic voucher.
  • the present invention provides a method for processing information of a bank, including:
  • the bank receives the return electronic voucher request, and sends the request to the issuing bank;
  • a receiving bank information processing method provided by the present invention includes:
  • the receiving bank receives the return electronic voucher request, and sends the request to the recipient;
  • the receiving bank receives feedback information that determines to return the electronic voucher or refuses to return the electronic voucher, and sends the feedback information to the credit card.
  • An electronic payment system provided by the present invention includes a server and a receiving bank server:
  • the server includes:
  • the bank certificate revocation request receiving device is configured to receive the return electronic voucher request and receive the returned electronic voucher;
  • the certificate issuing end requisition request sending device is configured to send the returned electronic voucher request to the issuing bank;
  • the receiving bank server includes:
  • a receiving bank end requisition request receiving device configured to receive a return electronic voucher request
  • a receiving bank end reimbursement request sending device configured to send the returned electronic voucher request to the certificate holder
  • the receiving bank end feedback information processing device configured to receive feedback information for determining the returned electronic voucher, Return the electronic voucher to the bank.
  • the present invention provides a server server, including:
  • the bank certificate revocation request receiving device is configured to receive the return electronic voucher request and receive the returned electronic voucher;
  • the certificate issuing end requisition request sending means is configured to send the returned electronic voucher request to the issuing bank.
  • a receiving bank server provided by the present invention includes:
  • a receiving bank end requisition request receiving device configured to receive a return electronic voucher request
  • a receiving bank end requisition request sending device configured to send the returned e-voucher request to the certificate holder
  • the receiving bank end feedback information processing device configured to receive feedback information for determining the returned electronic voucher, The feedback information is sent to the bank.
  • the witness may apply to the certificate holder for returning the electronic certificate, and if the recipient agrees to return the electronic certificate, the system returns the electronic certificate to the witness according to the negotiation content of the two parties. Both parties to the transaction can then return to the electronic voucher after reaching an agreement through negotiation, which simplifies the operation and facilitates both parties to the transaction.
  • Embodiment 1 is a flowchart of Embodiment 1 of a method for returning an electronic voucher according to the present invention
  • Embodiment 1 is a flow chart of Embodiment 1 of a method for processing information of a bank according to the present invention
  • Embodiment 3 is a flowchart of Embodiment 1 of a method for processing information of a receiving bank according to the present invention
  • Embodiment 1 of an electronic payment system is a schematic structural diagram of Embodiment 1 of an electronic payment system according to the present invention.
  • FIG. 5 is a schematic structural diagram of Embodiment 1 of a server of the present invention.
  • Embodiment 6 is a schematic structural diagram of Embodiment 1 of a receiving bank server.
  • the witness may apply to the certificate holder to return the electronic certificate, and if the certificate holder agrees to return the electronic certificate, the system returns the electronic certificate to the agreement according to the content of the negotiation between the two parties. witness.
  • Fund freezing The bank is required to freeze the amount in its account to generate an electronic certificate based on the witness's request for evidence.
  • the amount of the frozen amount can be either the total amount of funds or part of the funds, or the credit limit of the account (the amount in the credit card), or the combination of the funds and the credit line.
  • the frozen funds are still in the user's account, just freezing their dominance.
  • ⁇ witness A user who applies for an electronic voucher.
  • ⁇ A bank that applies for the establishment of an electronic certificate according to the witness.
  • Electronic voucher The bank freezes the funds or uses the credit line according to the application of the witness, and stands in the name of the bank.
  • Credit line refers to the bank credit limit at the disposal of the user account.
  • Receiving bank The bank that the certificate holder entrusts to receive the electronic certificate.
  • Receiver A user who receives an electronic voucher.
  • Bank Server Bank Electronic Voucher Service Server System.
  • Client System Electronic Credential Client System.
  • FIG. 1 is a flowchart of Embodiment 1 of a method for returning an electronic voucher according to the present invention, including: [0058] S101, the bank receives a return electronic voucher request, and the request is received. Line sending
  • the return electronic voucher request is from a witness
  • the receiving bank receives a request for returning an electronic voucher, and sends the request to a certificate holder;
  • the receiving bank receives the information fed back by the certificate, and if the content of the feedback information is that the card holder determines to return the electronic voucher, the bank receives the returned electronic voucher;
  • the receiving bank receives the information fed back by the certificate, and if the content of the feedback information is that the certificate holder refuses to return the electronic certificate, the receiving bank sends the information to the bank to refuse to return the electronic certificate.
  • the witness may apply to the certificate holder for returning the electronic certificate, and if the certificate holder agrees to return the electronic certificate, the system returns the electronic certificate to the witness according to the content of the negotiation between the two parties. Both parties to the transaction can then return to the electronic voucher after reaching an agreement through negotiation, simplifying the operation.
  • the witnesses send the wrong account or send the wrong amount, they can negotiate with the other party, return the electronic voucher, re-select the account or reset the remittance amount.
  • the receiving bank sends a request for returning the electronic voucher to the acknowledgant for confirmation.
  • the receiving bank may not send the request for returning the electronic voucher to the certifying party for confirmation but directly follow-up The operation of returning an electronic voucher.
  • the witness since the witness initiates the request to return the electronic voucher through the bank, in fact, the subject of the request to return the electronic voucher may also be other subjects, for example:
  • the solicitor is initiated by the issuing bank.
  • the receiving bank may send the request for returning the electronic voucher to the consignee for confirmation, or may not send the confirmation to the consignee;
  • the issuing bank initiates, in which case, some conditions are usually set in advance, and when these conditions are satisfied, it can be judged that the transaction cannot be completed, and then the operation of returning the electronic voucher can be automatically performed; in this case, The receiving bank may then send the request for returning the electronic voucher to the recipient for confirmation, or may not send the confirmation to the recipient.
  • FIG. 2 is a flowchart of Embodiment 1 of a method for processing information of a certificate according to the present invention, including:
  • S201 The bank receives the return electronic voucher request, and sends the request to the issuing bank;
  • the returned electronic voucher request is from a witness; after receiving the request, the receiving bank will forward the request Ask the recipient to ask the recipient for feedback;
  • S202 The verification bank receives the returned electronic voucher.
  • FIG. 3 is a flowchart of Embodiment 1 of a method for processing information of a receiving bank according to the present invention, including: [0073] S301: The receiving bank receives a request for returning an electronic voucher, and receives the request witnesseses sent;
  • the return electronic voucher request is from the bank, and the bank receives the return electronic voucher request from the witness.
  • the receiving bank receives feedback information that determines to return the electronic voucher or refuses to return the electronic voucher, and sends the feedback information to the credit card.
  • the feedback information is from a recipient.
  • FIG. 4 it is a schematic structural diagram of Embodiment 1 of an electronic payment system according to the present invention, which includes a server bank 41 and a receiving bank server 42:
  • the security server server 41 includes:
  • the bank certificate revocation request receiving device 411 is configured to receive the return electronic voucher request and receive the returned electronic voucher;
  • the certificate issuing end requisition request sending means 412 configured to send the returned electronic voucher request to the issuing bank
  • the receiving bank server 42 includes:
  • the receiving bank end requisition request receiving device 421 is configured to receive a return e-voucher request
  • a receiving bank end requisition request sending device 422 configured to send the returned electronic voucher request to the passivator
  • the receiving bank side feedback information processing device 423 is configured to receive feedback information for determining the returned electronic voucher, and return the electronic voucher to the bank.
  • the receiving bank end reimbursement request transmitting device 422 sends a request for returning the electronic voucher to the consignee for confirmation.
  • the receiving bank revocation request transmitting device 422 may not return the request.
  • the request for the electronic voucher is sent to the recipient for confirmation but directly for the subsequent return of the electronic voucher.
  • the witness since the witness initiates the request to return the electronic voucher through the bank, in fact, the subject of the request to return the electronic voucher may also be other subjects, for example:
  • the recipient is initiated by the issuing bank.
  • the receiving bank can return the electronic certificate again. Request to the consignee for confirmation, or not to the consignee for confirmation;
  • the issuing bank initiates, in which case, some conditions are usually set in advance, and when these conditions are satisfied, it can be judged that the transaction cannot be completed, and then the operation of returning the electronic voucher can be automatically performed; in this case, The receiving bank may then send the request for returning the electronic voucher to the recipient for confirmation, or may not send the confirmation to the recipient.
  • FIG. 5 is a schematic structural diagram of Embodiment 1 of a server, including:
  • the bank certificate revocation request receiving device 501 is configured to receive the return electronic voucher request and receive the returned electronic voucher;
  • the certificate issuing end requisition request sending means 502 configured to send the returned electronic voucher request to the issuing bank
  • FIG. 6 is a schematic structural diagram of Embodiment 1 of a receiving bank server, including:
  • the receiving bank end requisition request receiving device 601 is configured to receive a return electronic voucher request
  • the receiving bank end requisition request sending device 602 is configured to send the returned electronic voucher request to the passivator
  • the receiving line end feedback information processing device 603 is configured to receive feedback information for determining the returned electronic voucher, and send the feedback information to the credit card.
  • the witness can apply to the certificate holder to return the electronic certificate, if the technical solution and the embodiment of the present invention are received. If the recipient agrees to return the electronic voucher, the system will return the electronic voucher to the witness according to the negotiation content of both parties. The two parties can return the electronic voucher after agreement through negotiation, simplifying the operation and facilitating the two parties.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种电子凭证的退回方法，包括：开证行接收退回电子凭证请求，将所述请求向收证行发送；所述收证行接收所述退回电子凭证请求，将所述请求向收证人发送；所述收证行接收收证人反馈的信息，若所述反馈信息内容为收证人确定退回电子凭证，则开证行接收收证行退回的电子凭证。通过上述方法，收证人收到电子凭证后，开证人可向收证人申请退回电子凭证，若收证人同意退回电子凭证，则系统根据双方的协商内容将电子凭证退回至开证人，交易双方可随时通过协商达成一致后退回电子凭证，简化了操作，便利了交易双方。

Description

一种电子凭证的退回方法以及电子支付系统 技术领域
[0001] 本发明涉及电子商务领域， 特别是一种电子凭证的退回方法以及电子支付系统 [0002]
[0003] 背景技术
[0004] 在电子商务交易过程中， 人们通过第三方支付工具或者网上银行支付完成交易
， 交易完成后， 买方若想重新获得支付资金， 只能通过退货申请或者私下与商 家协商后才可能获得， 上述两种方法相对都比较繁琐。
[0005] 在当下人们日常活动中， 转款通常是实吋到账， 用户若汇错账号， 则无法及吋 取回金钱， 需要对方重新将钱汇到自己的账户， 这就很难保障用户资金的安全 性。
[0006]
[0007] 发明内容
[0008] 本发明提供了一种电子凭证的退回方法， 包括： 幵证行接收退回电子凭证请求 ， 将所述请求向收证行发送； 所述收证行接收所述退回电子凭证请求， 将所述 请求向收证人发送； 所述收证行接收收证人反馈的信息， 若所述反馈信息内容 为收证人确定退回电子凭证， 则幵证行接收收证行退回的电子凭证。
[0009] 本发明提供的一种电子凭证的退回方法， 包括：
[0010] 幵证行接收退回电子凭证请求， 将所述请求向收证行发送；
[0011] 所述收证行接收所述退回电子凭证请求， 将所述请求向收证人发送；
[0012] 所述收证行接收收证人反馈的信息， 若所述反馈信息内容为收证人确定退回电 子凭证， 则幵证行接收被退回的电子凭证。
[0013] 本发明提供的一种幵证行信息处理方法， 包括：
[0014] 幵证行接收退回电子凭证请求， 将所述请求向收证行发送；
[0015] 所述幵证行接收被退回的电子凭证。 [0016] 本发明提供的一种收证行信息处理方法， 包括：
[0017] 收证行接收退回电子凭证请求， 将所述请求向收证人发送；
[0018] 所述收证行接收确定退回电子凭证或者拒绝退回电子凭证的反馈信息， 将所述 反馈信息向幵证行发送。
[0019] 本发明提供的一种电子支付系统， 包括幵证行服务器与收证行服务器：
[0020] 所述幵证行服务器包括：
[0021] 幵证行端退证请求接收装置 用于接收退回电子凭证请求及接收被退回的电子 凭证；
[0022] 幵证行端退证请求发送装置 ， 用于将所述退回电子凭证请求向收证行发送； [0023] 所述收证行服务器包括：
[0024] 收证行端退证请求接收装置 ， 用于接收退回电子凭证请求；
[0025] 收证行端退证请求发送装置 ， 用于将所述退回电子凭证请求向收证人发送； [0026] 收证行端反馈信息处理装置 ， 用于接收确定退回电子凭证的反馈信息， 并将电 子凭证退回至幵证行。
[0027] 本发明提供的一种幵证行服务器， 包括：
[0028] 幵证行端退证请求接收装置， 用于接收退回电子凭证请求及接收被退回的电子 凭证；
[0029] 幵证行端退证请求发送装置， 用于将所述退回电子凭证请求向收证行发送。
[0030] 本发明提供的一种收证行服务器， 包括：
[0031] 收证行端退证请求接收装置， 用于接收退回电子凭证请求；
[0032] 收证行端退证请求发送装置， 用于将所述退回电子凭证请求向收证人发送； [0033] 收证行端反馈信息处理装置， 用于接收确定退回电子凭证的反馈信息， 将所述 反馈信息向幵证行发送。
[0034] 根据上述实施例， 收证人收到电子凭证后， 幵证人可向收证人申请退回电子凭 证， 若收证人同意退回电子凭证， 则系统根据双方的协商内容将电子凭证退回 至幵证人， 交易双方可随吋通过协商达成一致后退回电子凭证， 简化了操作， 便利了交易双方。
[0035] [0036] 附图说明
[0037] 图 1为本发明一种电子凭证的退回方法的实施例一的流程图；
[0038] 图 2为本发明一种幵证行信息处理方法的实施例一的流程图；
[0039] 图 3为本发明一种收证行信息处理方法的实施例一的流程图；
[0040] 图 4为本发明一种电子支付系统的实施例一的结构示意图；
[0041] 图 5为本发明一种幵证行服务器的实施例一的结构示意图；
[0042] 图 6为一种收证行服务器的实施例一的结构示意图。
[0043]
[0044] 具体实施方式
[0045] 为详细说明本发明的技术内容、 构造特征、 所实现目的及效果， 以下结合附图 和实施例对本发明进行详细说明。
[0046] 在本发明实施例中， 收证人收到电子凭证后， 幵证人可向收证人申请退回电子 凭证， 若收证人同意退回电子凭证， 则系统根据双方的协商内容将电子凭证退 回至幵证人。
[0047] 以下名词释义用于说明本发明实施例中的相关名词的基本涵义， 但是其实际涵 义并不仅仅限定于下述定义， 应当在其上有合理的外延。
[0048] 资金冻结： 指幵证行根据幵证人的幵证请求对其账户中的金额进行冻结用以生 成电子凭证。 冻结的金额额度可以为全部资金也可以为部分资金、 或账户信用 额度 （信用卡内的额度） 、 或资金与信用额度的组合。 冻结的资金仍在用户账 户内， 只是冻结其支配状态。
[0049] 幵证人： 申请幵立电子凭证的用户。
[0050] 幵证行： 根据幵证人申请幵立电子凭证的银行。
[0051] 电子凭证： 银行根据幵证人的申请冻结资金或支用授信额度并以银行名义幵立
， 且承诺依照约定条件进行结算的电子信用承诺支付凭证。
[0052] 信用额度： 指用户账户可支配的银行信用限额。
[0053] 收证行： 收证人委托接收电子凭证的银行。
[0054] 收证人： 接收电子凭证的用户。
[0055] 银行服务器： 银行电子凭证业务服务器系统。 [0056] 客户端系统： 电子凭证客户端系统。
[0057] 如图 1所示， 为本发明一种电子凭证的退回方法的实施例一的流程图， 包括： [0058] S101、 幵证行接收退回电子凭证请求， 将所述请求向收证行发送；
[0059] 该退回电子凭证请求来自于幵证人；
[0060] S102、 所述收证行接收退回电子凭证请求， 将所述请求向收证人发送；
[0061] S103、 所述收证行接收收证人反馈的信息， 若所述反馈信息内容为收证人确定 退回电子凭证， 则幵证行接收被退回的电子凭证；
[0062] S104、 所述收证行接收收证人反馈的信息， 若所述反馈信息内容为收证人拒绝 退回电子凭证， 则收证行向幵证行发送拒绝退回电子凭证的信息。
[0063] 根据上述技术方案， 收证人收到电子凭证后， 幵证人可向收证人申请退回电子 凭证， 若收证人同意退回电子凭证， 则系统根据双方的协商内容将电子凭证退 回至幵证人， 交易双方可随吋通过协商达成一致后退回电子凭证， 简化了操作
， 便利了交易双方。 在一些情况下， 幵证人若汇错账户或者汇错金额， 可以与 对方协商， 退回电子凭证， 重新选择账户或者重新设定汇款金额。
[0064] 在本实施例中， 收证行将退回电子凭证的请求发给收证人进行确认， 实际上， 收证行也可以不将退回电子凭证的请求发给收证人进行确认而是直接进行后续 的退回电子凭证的操作。
[0065] 在本实施例中， 由幵证人通过幵证行发起退回电子凭证的请求， 实际上， 该发 起退回电子凭证的请求的主体也可以其他主体， 例如是：
[0066] 1、 收证人通过收证行发起， 此种情况下， 收证行可以再将退回电子凭证的请 求发给收证人去确认， 也可以不发给收证人进行确认；
[0067] 2、 收证行发起， 此种情况通常是预先设置了一些条件， 当这些条件满足吋即 可判断得出交易无法完成， 而后可以自动进行退回电子凭证的操作； 此种情况 下， 收证行可以再将退回电子凭证的请求发给收证人去确认， 也可以不发给收 证人进行确认。
[0068] 如图 2所示， 为本发明一种幵证行信息处理方法的实施例一的流程图， 包括：
[0069] S201、 幵证行接收退回电子凭证请求， 将所述请求向收证行发送；
[0070] 该退回电子凭证请求来自于幵证人； 所述收证行收到该请求后， 将会转发该请 求给收证人， 要求收证人进行反馈；
[0071] S202、 所述幵证行接收被退回的电子凭证。
[0072] 如图 3所示， 为本发明一种收证行信息处理方法的实施例一的流程图， 包括： [0073] S301、 收证行接收退回电子凭证请求， 将所述请求向收证人发送；
[0074] 该退回电子凭证请求来自于幵证行， 该幵证行从幵证人处接收退回电子凭证请 求；
[0075] S302、 所述收证行接收确定退回电子凭证或者拒绝退回电子凭证的反馈信息， 将所述反馈信息向幵证行发送；
[0076] 所述反馈信息来自于收证人。
[0077] 如图 4所示， 为本发明一种电子支付系统的实施例一的结构示意图， 包括幵证 行服务器 41与收证行服务器 42：
[0078] 所述幵证行服务器 41包括：
[0079] 幵证行端退证请求接收装置 411 ， 用于接收退回电子凭证请求及接收被退回的 电子凭证；
[0080] 幵证行端退证请求发送装置 412， 用于将所述退回电子凭证请求向收证行发送
[0081] 所述收证行服务器 42包括：
[0082] 收证行端退证请求接收装置 421 ， 用于接收退回电子凭证请求；
[0083] 收证行端退证请求发送装置 422 ， 用于将所述退回电子凭证请求向收证人发送
[0084] 收证行端反馈信息处理装置 423 ， 用于接收确定退回电子凭证的反馈信息， 并 将电子凭证退回至幵证行。
[0085] 在本实施例中， 收证行端退证请求发送装置 422将退回电子凭证的请求发给收 证人进行确认， 实际上， 收证行端退证请求发送装置 422也可以不将退回电子凭 证的请求发给收证人进行确认而是直接进行后续的退回电子凭证的操作。
[0086] 在本实施例中， 由幵证人通过幵证行发起退回电子凭证的请求， 实际上， 该发 起退回电子凭证的请求的主体也可以其他主体， 例如是：
[0087] 1、 收证人通过收证行发起， 此种情况下， 收证行可以再将退回电子凭证的请 求发给收证人去确认， 也可以不发给收证人进行确认；
[0088] 2、 收证行发起， 此种情况通常是预先设置了一些条件， 当这些条件满足吋即 可判断得出交易无法完成， 而后可以自动进行退回电子凭证的操作； 此种情况 下， 收证行可以再将退回电子凭证的请求发给收证人去确认， 也可以不发给收 证人进行确认。
[0089] 如图 5所示， 为一种幵证行服务器的实施例一的结构示意图， 包括：
[0090] 幵证行端退证请求接收装置 501， 用于接收退回电子凭证请求及接收被退回的 电子凭证；
[0091] 幵证行端退证请求发送装置 502， 用于将所述退回电子凭证请求向收证行发送
[0092] 如图 6所示， 为一种收证行服务器的实施例一的结构示意图， 包括：
[0093] 收证行端退证请求接收装置 601， 用于接收退回电子凭证请求；
[0094] 收证行端退证请求发送装置 602， 用于将所述退回电子凭证请求向收证人发送
[0095] 收证行端反馈信息处理装置 603， 用于接收确定退回电子凭证的反馈信息， 将 所述反馈信息向幵证行发送。
[0096] 根据本发明提出的上述各个技术方案以及实施例可以看出， 通过本发明的各个 技术方案及实施例， 收证人收到电子凭证后， 幵证人可向收证人申请退回电子 凭证， 若收证人同意退回电子凭证， 则系统根据双方的协商内容将电子凭证退 回至幵证人， 交易双方可随吋通过协商达成一致后退回电子凭证， 简化了操作 ， 便利了交易双方。 本领域技术人员可以理解， 上述实施方式中各种方法的全 部或部分步骤可以通过程序来指令相关硬件完成， 该程序可以存储于一计算机 可读存储介质中， 存储介质可以包括： 只读存储器、 随机存储器、 磁盘或光盘 等。
[0097] 以上所述仅为本发明的实施方式， 并非因此限制本发明的专利范围， 凡是利用 本发明说明书及附图内容所作的等效结构或等效流程变换， 或直接或间接运用 在其他相关的技术领域， 均同理包括在本发明的专利保护范围内。
技术问题 问题的解决方案 发明的有益效果

Claims

权利要求书
[权利要求 1] 一种电子凭证的退回方法， 其特征在于， 包括：
幵证行接收退回电子凭证请求， 将所述请求向收证行发送； 所述收证行接收所述退回电子凭证请求， 将所述请求向收证人发送； 所述收证行接收收证人反馈的信息， 若所述反馈信息内容为收证人确 定退回电子凭证， 则幵证行接收被退回的电子凭证。
[权利要求 2] 如权利要求 1所述的电子凭证的退回方法， 其特征在于， 还包括： 所 述收证行接收收证人反馈的信息， 若所述反馈信息内容为收证人拒绝 退回电子凭证， 则收证行向幵证行发送拒绝退回电子凭证的信息。
[权利要求 3] —种幵证行信息处理方法， 其特征在于， 包括：
幵证行接收退回电子凭证请求， 将所述请求向收证行发送； 所述幵证行接收被退回的电子凭证。
[权利要求 4] 一种收证行信息处理方法， 其特征在于， 包括：
收证行接收退回电子凭证请求， 将所述请求向收证人发送； 所述收证行接收确定退回电子凭证或者拒绝退回电子凭证的反馈信息
， 将所述反馈信息向幵证行发送。
[权利要求 5] —种电子支付系统， 包括幵证行服务器与收证行服务器， 其特征在于 所述幵证行服务器包括：
幵证行端退证请求接收装置， 用于接收退回电子凭证请求及接收被退 回的电子凭证；
幵证行端退证请求发送装置， 用于将所述退回电子凭证请求向收证行 发送；
所述收证行服务器包括：
收证行端退证请求接收装置， 用于接收退回电子凭证请求； 收证行端退证请求发送装置， 用于将所述退回电子凭证请求向收证人 发送；
收证行端反馈信息处理装置， 用于接收确定退回电子凭证的反馈信息 ， 并将电子凭证退回至幵证行。
如权利要求 5所述的电子支付系统， 其特征在于：
所述收证行端反馈信息处理装置， 还用于接收收证人反馈的信息， 若 所述反馈信息内容为收证人拒绝退回电子凭证， 向幵证行发送拒绝退 回电子凭证的信息。
一种幵证行服务器， 其特征在于， 包括：
幵证行端退证请求接收装置， 用于接收退回电子凭证请求及接收被退 回的电子凭证；
幵证行端退证请求发送装置， 用于将所述退回电子凭证请求向收证行 发送。
一种收证行服务器， 其特征在于， 包括：
收证行端退证请求接收装置， 用于接收退回电子凭证请求； 收证行端退证请求发送装置， 用于将所述退回电子凭证请求向收证人 发送；
收证行端反馈信息处理装置， 用于接收确定退回电子凭证的反馈信息 ， 将所述反馈信息向幵证行发送。
PCT/CN2015/084582 2015-07-21 2015-07-21 一种电子凭证的退回方法以及电子支付系统 WO2017012013A1 (zh)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2993253A CA2993253C (en) 2015-07-21 2015-07-21 Method for returning electronic certificate and electronic payment system
PCT/CN2015/084582 WO2017012013A1 (zh) 2015-07-21 2015-07-21 一种电子凭证的退回方法以及电子支付系统

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084582 WO2017012013A1 (zh) 2015-07-21 2015-07-21 一种电子凭证的退回方法以及电子支付系统

Publications (1)

Publication Number Publication Date
WO2017012013A1 true WO2017012013A1 (zh) 2017-01-26

Family

ID=57833724

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2015/084582 WO2017012013A1 (zh) 2015-07-21 2015-07-21 一种电子凭证的退回方法以及电子支付系统

Country Status (2)

Country Link
CA (1) CA2993253C (zh)
WO (1) WO2017012013A1 (zh)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1540560A (zh) * 2003-10-27 2004-10-27 中国建设银行 网上银行办理转帐的方法及系统
CN101154282A (zh) * 2006-09-29 2008-04-02 阿里巴巴公司 一种实现支付的系统及方法
CN101833733A (zh) * 2010-02-22 2010-09-15 中国农业银行股份有限公司深圳市分行 一种电子转账支票系统及其支付结算方法
CN103827903A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种利用网络支付的方法及系统
US20140214675A1 (en) * 2013-01-25 2014-07-31 Pankaj Sharma Push payment system and method

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1540560A (zh) * 2003-10-27 2004-10-27 中国建设银行 网上银行办理转帐的方法及系统
CN101154282A (zh) * 2006-09-29 2008-04-02 阿里巴巴公司 一种实现支付的系统及方法
CN101833733A (zh) * 2010-02-22 2010-09-15 中国农业银行股份有限公司深圳市分行 一种电子转账支票系统及其支付结算方法
US20140214675A1 (en) * 2013-01-25 2014-07-31 Pankaj Sharma Push payment system and method
CN103827903A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种利用网络支付的方法及系统

Also Published As

Publication number Publication date
CA2993253A1 (en) 2017-01-26
CA2993253C (en) 2021-03-30

Similar Documents

Publication Publication Date Title
TWI302067B (zh)
JP2011192288A (ja) ネットワーク上で取引を実施する方法
JP2002123779A (ja) 決済処理方法及びシステム並びにプログラムを格納した記録媒体
CA2994878C (en) Method, device, and system for determining electronic certificate recipient
JP2002109397A (ja) 電子商取引方法及び電子商取引システム
WO2017012013A1 (zh) 一种电子凭证的退回方法以及电子支付系统
TWI670657B (zh) 付款確認系統
KR102227291B1 (ko) 암호화폐간 p2p 거래장치 및 방법
WO2022039726A1 (en) Rapid cryptocurrency transaction processing
CN106372913A (zh) 电子凭证的履约信息传输方法、装置及系统
WO2017012006A1 (zh) 代开电子凭证的数据处理方法、系统及资金管理服务器
US20130282552A1 (en) Automated forex function in an asset storage and transfer system
WO2015172276A1 (zh) 网络支付方法和系统
WO2017012059A1 (zh) 一种电子凭证申请的撤回方法、装置和系统
Devane et al. Secure E-commerce protocol for purchase of e-goods-using smart card
CN113837762B (zh) 数字货币的支付方法及装置
WO2017012014A1 (zh) 一种电子凭证的修改方法以及电子支付系统
WO2017012058A1 (zh) 一种电子凭证开证方法和系统
CA2993589C (en) Certificate issuing server, and data processing method and system for issuing certificate via invitation of certificate receiving bank
WO2023064086A1 (en) Efficient and protected data transfer system and method
CA3094228A1 (en) Cross-funds management server-based payment system, and method, device and server therefor
WO2017012009A1 (zh) 资金冻结内容修改方法、数据处理方法、装置和系统
CN116342127A (zh) 一种数据处理方法及相关装置
TWM560065U (zh) 付款確認系統
WO2017012051A1 (zh) 收证方法、装置及系统

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 15898569

Country of ref document: EP

Kind code of ref document: A1

ENP Entry into the national phase

Ref document number: 2993253

Country of ref document: CA

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 15/05/2018)

122 Ep: pct application non-entry in european phase

Ref document number: 15898569

Country of ref document: EP

Kind code of ref document: A1