WO2017012019A1 - 一种开设定额电子凭证的数据处理方法、装置及服务器 - Google Patents
一种开设定额电子凭证的数据处理方法、装置及服务器 Download PDFInfo
- Publication number
- WO2017012019A1 WO2017012019A1 PCT/CN2015/084588 CN2015084588W WO2017012019A1 WO 2017012019 A1 WO2017012019 A1 WO 2017012019A1 CN 2015084588 W CN2015084588 W CN 2015084588W WO 2017012019 A1 WO2017012019 A1 WO 2017012019A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- witness
- electronic voucher
- amount
- fixed amount
- payment account
- Prior art date
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
- G06Q20/22—Payment schemes or models
Definitions
- the present application relates to the field of electronic commerce, and in particular, to a data processing method, apparatus, and server for a set amount electronic voucher.
- E-commerce as a new type of transaction, brings manufacturing companies, distribution companies, and consumers and governments into a new world of network economy and digital survival.
- E-commerce uses a network platform to connect all parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), and reduces transactions by networking, e-distributing, and informatizing the entire transaction process. The cost and the efficiency of the transaction.
- the transfer of funds mainly depends on traditional electronic direct transfer payment methods and third-party payment methods.
- the present application provides a data processing method, device and server for a set-point electronic voucher, which can set an amount at a time, and subsequently maintain an electronic voucher with a fixed amount, simplifying the transaction process, reducing the loss of the witness, and improving Pay the security of the funds.
- a data processing method for a set-point electronic voucher includes: receiving a request message for an application for establishing an electronic voucher generated by a witness; and obtaining a pre-registration of the witness a fixed amount of e-vouchers; verify that the amount of funds available in the payment account is greater than or equal to The fixed amount, if yes, freezes the corresponding available funds in the payment account to generate an electronic voucher.
- a data processing apparatus for a set-up electronic voucher includes: a receiving unit, configured to receive a request message for generating an electronic voucher generated by a witness; a fixed amount for obtaining a pre-registered electronic voucher for the witness; a verification unit, configured to verify whether the available amount of funds in the payment account is greater than or equal to the fixed amount; and a voucher generating unit, configured to be used in the verification unit The verification result is yes, the corresponding available funds in the payment account are frozen, and an electronic voucher is generated.
- a server, a processor, and an input unit, an output unit, and a memory connected to the processor are provided by the present application; Receiving a request message for generating an electronic voucher generated by the witness; the processor is configured to obtain a fixed amount of the pre-registered electronic voucher of the witness, and verify whether the available amount of the fund in the payment account is greater than or equal to the fixed amount If yes, the corresponding available funds in the payment account are frozen, and an electronic voucher is generated.
- the data processing method, device and server for the set-up electronic voucher provided by the present application receive the request message of the electronic voucher generated by the witness, and obtain the fixed amount of the pre-registered electronic voucher of the witness, and verify Whether the amount of available funds in the payment account is greater than or equal to the fixed amount, and if so, freezing the corresponding available funds in the payment account to generate an electronic voucher. Therefore, a fixed amount of electronic voucher can be set.
- a fixed amount of electronic voucher can be set.
- only one amount needs to be set up, and each time an operation can generate an electronic voucher according to a preset fixed amount for payment, which simplifies the payment operation.
- setting a fixed amount can reduce the loss caused by the witness's operation error and improve the security of the payment fund.
- Embodiment 1 is a flowchart of a method according to Embodiment 1 of the present invention.
- FIG. 3 is a schematic structural diagram of a device according to Embodiment 3 of the present invention.
- FIG. 4 is a schematic structural diagram of another device according to Embodiment 3 of the present invention.
- FIG. 5 is a schematic structural diagram of a server according to Embodiment 4 of the present invention.
- the electronic voucher described in the present solution that is, the electronic credit commitment voucher that the bank promises to pay the funds according to the agreed conditions, means that the bank freezes the required amount of funds or uses the credit line according to the application of the witness, and promises to The electronic credit commitment payment voucher for payment settlement is agreed upon.
- the usual business process of the electronic voucher mentioned in the present application is as follows: The bank of the securities bank freezes the required amount of funds according to the application of the witness, and sets up the electronic voucher, and the certificate is issued by the certificate receiving bank. After the payment conditions are fulfilled, the bank will pay the funds and pay the settlement to the recipient through the bank.
- a data processing method, device, and server for setting a quota electronic voucher are provided, and a fixed amount of electronic voucher can be set to reduce the loss of the witness and improve the security of the payment fund.
- Embodiment 1 is a diagrammatic representation of Embodiment 1:
- FIG. 1 is a flowchart of a data processing method for a set amount electronic voucher according to an embodiment of the present invention.
- a data processing method for a set amount electronic voucher may include the following steps: [0025] 101. Receive a request message for sending an electronic voucher sent by a witness.
- the request message carries a fixed amount of the electronic voucher set by the witness.
- the user only needs to set the amount once, and each subsequent request message of the witness's electronic voucher is received.
- the electronic voucher that stands in the fixed amount can be used.
- the pre-registered fixed amount is fixed only in a certain period of time. After the witness needs to change the fixed amount of the electronic voucher, the witness re-changes and registers the fixed amount of the established electronic voucher, and then Re-initiate the request message for the electronic voucher and verify that the amount of funds available in the payment account is sufficient.
- the electronic voucher can be established according to the new fixed amount.
- step 104 Verify whether the available funds in the payment account is greater than or equal to a fixed amount, and if yes, perform step 104.
- the available funds amount includes: an account balance and a credit line.
- steps 201-202 may be included before verifying that the amount of available funds in the payment account is greater than or equal to a fixed amount.
- Step 201 Verify that the witnesses meet the requirements of the certification.
- Step 202 In step 201, it is verified that the result is yes, and the account designated by the witness is used as the payment account.
- the step 201 includes: verifying whether the witness has the account information at the bank, and verifying whether the witness performs the real-name authentication; and verifying that the witness's credit record is good. It can be understood that when the above conditions are verified to be ⁇ , it means that the witness is in compliance with the requirements of the certificate. In this case, the next step should be verified, that is, step 104 is performed. When it is verified that the amount of funds available for the witness account specified by the witness is less than the fixed amount of the electronic certificate set by the witness, the electronic certificate cannot be generated according to the request of the witness, and preferably, the steps can be performed. 203: The feedback verification failed the message to the witness.
- the embodiment of the present application preferably includes the following steps: 204: Sending a confirmation message to the witness, confirming the confirmation message Includes: A request message to enter a transaction password.
- the data processing method for the ⁇ set-up electronic voucher receives the electronic voucher setup request message sent by the witness and carries the preset fixed amount, and verifies the ⁇ certificate account designated by the witness who meets the requirements of the ⁇ certificate Whether the amount of available funds is greater than or equal to the fixed amount of the electronic certificate set by the witness, and if so, the funds in the account of the witness are frozen to generate an electronic certificate. Therefore, a fixed amount of electronic voucher can be set. Since only one electronic voucher is issued at a time, setting a fixed amount can reduce the loss of the witness and improve the security of the payment.
- Embodiment 2 is a diagrammatic representation of Embodiment 1
- S1 The witness (buyer) user sets a fixed amount, for example, 30 yuan.
- the fixed amount of the setting at the place may be input on the buyer's client, or may be straight. Enter a fixed amount in the bank, and you can also notify the bank to set a fixed amount of electronic voucher through the buyer's client. This application does not limit this.
- S2 The buyer sends a request message for setting up the electronic voucher to the bank in accordance with the fixed amount of 30 yuan preset in S1.
- S3 The bank receives the request message for the electronic voucher sent by the witness, and learns from it that the fixed amount is 30 yuan.
- step S4 Verify that the witness meets the requirements of the certificate, and if yes, execute step S5, and if no, execute step S4.
- the following three aspects can be verified: verifying whether the witness has a door-to-door information at the bank, and verifying whether the witness has performed real-name authentication; and verifying whether the witness's credit record is good.
- step S5 Verifying whether the amount of available funds of the witness account designated by the witness is greater than or equal to the fixed amount of the electronic certificate set by the witness. If yes, go to step S6, otherwise, go to step S4'.
- the available funds amount includes: account balance and credit limit. If it is greater than or equal to the fixed amount of the electronic certificate set by the witness, it means that the account balance or credit limit of the witness account designated by the witness is sufficient. It can be understood that, in judging whether the witness has sufficient account balance or credit line, it is not necessarily the comparison of the account information of the witness, and the account of the other party may be compared with the current transaction amount by calling another person's account. As long as the account specified by the witness is available. That is, the user can use his own funds to make a payment, and can also find someone else to pay for it. This application does not limit this.
- S6 freezing the funds in the account of the witness, and generating an electronic voucher.
- S7 Send the information for generating the electronic voucher to the witness.
- FIG. 3 is a schematic structural diagram of a device according to an embodiment of the present invention.
- a data processing apparatus for setting a set of electronic voucher may include: [0058]
- the receiving unit 30 is configured to receive a request message for sending an electronic voucher sent by the witness, where the request message carries a fixed amount of the electronic voucher set by the witness.
- the obtaining unit 31 is configured to acquire a fixed amount of the pre-registered electronic voucher of the witness.
- the verification unit 32 is configured to determine whether the available amount of funds in the payment account is greater than or equal to a fixed amount of the pre-registered electronic voucher registered by the obtaining unit 31.
- the available funds amount includes: account balance and credit line.
- the voucher generating unit 33 is configured to: in the verification unit 32, the verification result is ⁇ , freeze the corresponding available funds amount in the payment account, and generate an electronic voucher.
- the method further includes: a second verification unit 34, connected to the obtaining unit 31, before the verification unit 32 verifies whether the available funds in the payment account is greater than or equal to the fixed amount, It is used to verify that the witnesses meet the requirements of the certificate.
- the account specifying unit 35 is connected to the second verification unit 34, and is configured to verify, in the second verification unit 34, that the result is ⁇ , and the account designated by the witness is used as a payment account.
- the apparatus of the embodiment of the present invention may further include: a feedback unit 36, configured to: in the verification unit 32, the verification result is negative, and the feedback verification fails the message to the witness.
- the device of the embodiment of the present invention further includes:
- the confirmation unit 37 is connected to the verification unit 32 and the document generation unit 33, and is configured to send a confirmation message to the witness before generating the electronic certificate, where the confirmation message includes: Request message for the password.
- Embodiment 4 is a diagrammatic representation of Embodiment 4:
- the present application further provides a server for setting a quota electronic voucher, as shown in FIG. 5, including:
- the processor 40 and an input unit 41, an output unit 42, and a memory 43 connected to the processor 40.
- the input unit 41 is configured to receive a request message generated by the witness to establish an electronic voucher.
- the processor 40 is configured to obtain a fixed amount of the pre-registered electronic voucher of the witness, verify whether the available amount of funds in the payment account is greater than or equal to the fixed amount, and if so, freeze the corresponding available in the payment account. The amount of funds, generate an electronic voucher.
- the processor 40 is further configured to: after verifying whether the available funds amount in the payment account is greater than or equal to the fixed amount, verifying whether the witness meets the requirements of the certification, and if so, The account designated by the witness is used as the payment account.
- the processor 40 is further configured to: before freezing the corresponding available funds amount in the payment account, generate a confirmation message to the witness, before the generating the electronic certificate, where the confirmation message includes: Request message.
- the memory 43 is specifically configured to: store a fixed amount of the pre-registered electronic voucher registered by the witness, and the fixed amount is updated according to the needs of the witness.
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (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)
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/CN2015/084588 WO2017012019A1 (zh) | 2015-07-21 | 2015-07-21 | 一种开设定额电子凭证的数据处理方法、装置及服务器 |
CA2993592A CA2993592A1 (en) | 2015-07-21 | 2015-07-21 | Data processing method, apparatus, and server for setting up fixed value electronic certificates |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/CN2015/084588 WO2017012019A1 (zh) | 2015-07-21 | 2015-07-21 | 一种开设定额电子凭证的数据处理方法、装置及服务器 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2017012019A1 true WO2017012019A1 (zh) | 2017-01-26 |
Family
ID=57833771
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/CN2015/084588 WO2017012019A1 (zh) | 2015-07-21 | 2015-07-21 | 一种开设定额电子凭证的数据处理方法、装置及服务器 |
Country Status (2)
Country | Link |
---|---|
CA (1) | CA2993592A1 (zh) |
WO (1) | WO2017012019A1 (zh) |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN101339636A (zh) * | 2007-01-16 | 2009-01-07 | e2因特莱科迪伏有限公司 | 账单支付卡方法及系统 |
WO2011065305A1 (ja) * | 2009-11-24 | 2011-06-03 | 楽天株式会社 | 情報処理装置、情報処理方法、プログラム及び記憶媒体 |
CN201876941U (zh) * | 2009-12-31 | 2011-06-22 | 网安科技股份有限公司 | 一种电子货币与实体货币整合的付款设备及系统 |
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 |
CN104599113A (zh) * | 2013-10-31 | 2015-05-06 | 腾讯科技(深圳)有限公司 | 一种信息处理方法、装置和系统 |
-
2015
- 2015-07-21 WO PCT/CN2015/084588 patent/WO2017012019A1/zh active Application Filing
- 2015-07-21 CA CA2993592A patent/CA2993592A1/en active Pending
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN101339636A (zh) * | 2007-01-16 | 2009-01-07 | e2因特莱科迪伏有限公司 | 账单支付卡方法及系统 |
WO2011065305A1 (ja) * | 2009-11-24 | 2011-06-03 | 楽天株式会社 | 情報処理装置、情報処理方法、プログラム及び記憶媒体 |
CN201876941U (zh) * | 2009-12-31 | 2011-06-22 | 网安科技股份有限公司 | 一种电子货币与实体货币整合的付款设备及系统 |
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 |
CN104599113A (zh) * | 2013-10-31 | 2015-05-06 | 腾讯科技(深圳)有限公司 | 一种信息处理方法、装置和系统 |
Also Published As
Publication number | Publication date |
---|---|
CA2993592A1 (en) | 2017-01-26 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
AU2014265054A1 (en) | Systems and methods for software based encryption | |
WO2015120694A1 (zh) | 第三方支付平台的注册方法及装置、系统 | |
WO2009137971A1 (zh) | 一种基于电子合同运营的安全支付方法及系统 | |
US20230325791A1 (en) | Proxied cross-ledger authentication | |
WO2014032206A1 (zh) | 一种快速支付系统和相应方法 | |
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 | |
WO2017012019A1 (zh) | 一种开设定额电子凭证的数据处理方法、装置及服务器 | |
WO2017012005A1 (zh) | 资金管理服务器、跨行开电子凭证的数据处理方法及系统 | |
WO2017012020A1 (zh) | 一种定期开设电子凭证的数据处理方法、服务器及其装置 | |
WO2017012008A1 (zh) | 一种修改电子凭证有效期的方法、服务器、终端和系统 | |
WO2017012059A1 (zh) | 一种电子凭证申请的撤回方法、装置和系统 | |
CN113837762B (zh) | 数字货币的支付方法及装置 | |
WO2017012015A1 (zh) | 资金管理服务器、顺开证的数据处理方法及系统 | |
WO2017012051A1 (zh) | 收证方法、装置及系统 | |
Li et al. | A safe trading model based on encryption hybrid algorithms for mobile electronic commerce | |
WO2024108122A1 (en) | Systems and methods for processing cryptocurrency transactions | |
CN106372908A (zh) | 一种开设定额电子凭证的数据处理方法、装置及服务器 | |
WO2017012018A1 (zh) | 开证服务器、经收证行的邀约开证的数据处理方法及系统 | |
WO2017012052A1 (zh) | 电子凭证的收证方法、装置和系统 | |
WO2017012053A1 (zh) | 收证方法、装置及系统 | |
Wan et al. | Secure mobile payment based on super set protocol | |
WO2017012022A1 (zh) | 电子凭证的开证方法、数据交互处理方法、装置和系统 | |
CN106651476A (zh) | 代开电子凭证的数据处理方法、系统及资金管理服务器 | |
WO2017012010A1 (zh) | 一种更换电子凭证开证行的方法及系统 | |
WO2017012050A1 (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: 15898575 Country of ref document: EP Kind code of ref document: A1 |
|
ENP | Entry into the national phase |
Ref document number: 2993592 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 03.04.18. |
|
122 | Ep: pct application non-entry in european phase |
Ref document number: 15898575 Country of ref document: EP Kind code of ref document: A1 |