WO2017012021A1

WO2017012021A1 - Method, system, and device for batch issuing electronic certificates

Info

Publication number: WO2017012021A1
Application number: PCT/CN2015/084590
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Also published as: CA2993252C; CA2993252A1

Abstract

A method, a system, and a device for batch issuing electronic certificates, wherein a certificate issuing client terminal, on the basis of certificate issuing information inputted by a certificate issuing party, generates a plurality of certificate issuing requests, and sends said certificate issuing requests to a certificate issuing bank server; the certificate issuing information comprises the certificate issuing values and the account information of the certificate issuing account, used for freezing money or expending credit; the certificate issuing bank server, on the basis of the account information of the certificate issuing account, freezes money equivalent to the certificate issuing values in the certificate issuing account or expends credit equivalent to the certificate issuing values in the certificate issuing account, and issues electronic certificates corresponding to the plurality of certificate issuing requests. The present method, system, and device for batch issuing of electronic certificates enable a certificate issuing party client terminal to send at one time a plurality of certificate issuing requests to the certificate issuing bank server, and the certificate issuing bank server to issue a plurality of electronic certificates corresponding to the certificate issuing requests, thereby providing the basis for a user to implement one-time payment and settlement for different businesses and/or different e-commerce platforms.

Description

Description Title: Method, system and device for batching electronic voucher

[0001] The present application relates to the field of electronic commerce technologies, and in particular, to a method, system, and device for batching electronic vouchers.

BACKGROUND OF THE INVENTION

[0003] With the rise of e-commerce, online electronic payment has become more and more popular because of its convenience. At present, in the online electronic payment method, in order to reduce the risk, most of them exist in the form of a third-party payment company guarantee. Take the customer's online purchase as an example, in the form of a third-party payment company guarantee, for the paying customer, the third-party payment company has been paid after receiving the goods, and once the third-party payment company has problems, the payment is made. The client's funds are not guaranteed. Therefore, in the form of a third-party payment company guarantee, the party to the paying party still has a financial risk problem.

[0004] Although e-commerce uses a network platform to connect parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, by networking, electronically, and informatizing the entire transaction process, Reduce the cost of transactions and improve transaction efficiency. However, in the current e-commerce application, the transfer of funds mainly relies on the traditional electronic direct transfer payment method and the third-party payment method, and the payment method is single. Users often need to make purchases on multiple merchants or e-commerce platforms. Each order is paid and settled separately. There are many repetitive actions, which consumes a lot of user energy and poor user experience, which cannot meet the business needs of modern society.

SUMMARY OF THE INVENTION

[0006] The present application provides a method, system and device for batching electronic vouchers, and the 幵方 client can send multiple 幵请求请求一次性一次性一次性一次性幵幵幵幵幵幵Corresponding multiple electronic vouchers provide the basis for realizing one-time payment settlement for users in different merchants and/or different e-commerce platforms.

[0007]

[0008] According to a first aspect of the present application, the present application provides a method for batching an electronic voucher, including: [0009] a client of a witness obtains a plurality of electronic voucher input by a witness幵证信息; The information includes the amount of the certificate and the account information used to freeze the funds or use the credit card of the credit card;

[0010] the client client generates a plurality of certificate requests according to the certificate information, and sends the certificate request to the bank server;

[0011] the server of the securities bank freezes the funds in the certificate account that are consistent with the amount of the card in accordance with the account information of the card account, or the credits in the account of the card that are consistent with the amount of the card, and A plurality of electronic vouchers corresponding to the vouchers request.

[0012]

[0013] According to a second aspect of the present application, the present application provides a system for batching electronic vouchers, including a 幵方客户 client and a 幵行 , server, the 幵客户客户 client and the 幵行行Server communication connection

[0014] the client client is configured to obtain the certificate information for setting up multiple electronic certificates input by the witness, and is further configured to generate multiple certificate requests according to the card information, and The request for the certificate is sent to the server of the securities bank; the information of the certificate includes the amount of the certificate and the account information of the certificate account for freezing the funds or using the credit;

[0015] the bank server is configured to freeze the funds in the certificate account that are consistent with the amount of the card in accordance with the account information of the account, or to use the credit in the account with the amount of the card And extracting a plurality of electronic voucher corresponding to the request for the certificate.

[0016]

[0017] According to the third aspect of the present application, the present application provides an apparatus for batching an electronic voucher as a client, including:

[0018] an information obtaining module, configured to obtain the information of the card for entering the plurality of electronic certificates input by the witnessing party; the information of the card includes the amount of the card and the account for freezing or using the credit card [0019] a request generating module, configured to generate a plurality of certificate requests according to the certificate information;

[0020] a request sending module, configured to send the multiple certificate request to the bank server; the certificate server is configured to freeze the account and the account according to the account information of the account The funds with the same amount of money or the credits in the certificate account that are consistent with the amount of the certificate are issued, and a plurality of electronic certificates corresponding to the request for the certificate are extracted.

[0021] [0022] According to the fourth aspect of the present application, the present application provides another device for batching electronic voucher, as a server, comprising:

[0023] a fund freezing module, configured to: according to the account information of the shackle account, freeze the funds in the 幵 certificate account that are consistent with the amount of the 幵 certificate or the credits in the 幵 certificate account that are consistent with the amount of the 幵 certificate;

[0024] a certificate module, configured to extract a plurality of electronic vouchers corresponding to the vouchers request; and the plurality of vouchers are requested by the 幵客户客户 client to establish a plurality of electronic vouchers according to the 幵方The information of the card is generated; the information of the card includes the amount of the card and the account information of the account.

[0025]

[0026] In the method, system and device for batching electronic vouchers provided by the present application, the client of the 幵生成生成生成生成生成生成生成生成生成生成生成生成生成生成客户生成客户客户客户客户客户The server information includes the amount of the certificate and the account information of the certificate account used to freeze the funds; the bank server freezes the funds in the certificate account that are consistent with the amount of the certificate according to the account information of the certificate account, and extracts the funds. An electronic voucher corresponding to multiple requests for certification. The method, system and device for the batch of electronic vouchers can realize that the 幵证方 client sends a plurality of 幵 certificate requests to the 幵行服务器 server at one time, and the 幵行幵 server extracts a plurality of electronic vouchers corresponding to the vouchers request, It provides the basis for users to make one-time payment settlements in different merchants and/or different e-commerce platforms.

BRIEF DESCRIPTION OF THE DRAWINGS

1 is a schematic structural diagram of a system for batching an electronic voucher in an embodiment of the present application;

[0029] FIG. 2 is a schematic flowchart of a method for batching an electronic voucher in an embodiment of the present application;

[0030] FIG. 3 is a schematic structural diagram of a device as a client of a witness in an embodiment of the present application;

[0031] FIG. 4 is a schematic structural diagram of an apparatus as a server of a certificate server according to an embodiment of the present application.

DETAILED DESCRIPTION

[0033] The electronic voucher mentioned in the embodiment of the present application is based on the core principle of the international letter of credit, and combines the advantages of many financial products such as a bank promissory note, a guarantee letter, a bank acceptance bill, an electronic letter of credit, and the like, and is combined with Internet technology. New financial tools that adapt to and meet the needs of the Internet economy, with broad applicability across platforms, across banks, across the globe, and across the entire spectrum. Specifically, the electronic voucher means that the prosecution party (the buyer) is guaranteed by its bank account funds or credit line (credit card quota or loan amount), and the bank promises to pay the electronic credit commitment payment according to the payment conditions. certificate. This program The electronic voucher mentioned is mainly a product for the buyer. The seller downloads the cashier access interface, the buyer completes the e-voucher certificate, the seller completes the certificate and performs the contract, applies for the payment, and the electronic voucher is paid. If the conditions are met, the payment will be automatically made. E-vouchers can be purchased not only with merchandise, but also for mortgage guarantees, such as an individual who can use an electronic voucher to the bank as a guarantee for lending to others.

[0034] That is, the electronic voucher is a kind of request issued by the bank according to the prosecution, and the fund or credit of the procurator is used as a basis, and the credit of the bank is carried, and the change is stored in digital form. , to achieve the flow of electronic commitment credit commitment payment vouchers.

[0035] The following is a description of the periods often involved in conducting electronic commerce activities using electronic vouchers.

[0036] The main periods involved in the use of electronic voucher for e-commerce activities include the prosecution period, the collection period, the performance period, the signing period, the disbursement period, and the liquidation period. The relevant explanations for each period are as follows:

[0037] 1. Defamation period

[0038] After the two parties form an order, the company will apply for a certificate from the bank. Of course, the prosecution party can apply for a defamation certificate after forming a specific transaction order; or if the transaction order is not formed, the prosecution party will voluntarily apply for the defamation certificate. In the course of the transaction, the electronic voucher can be either a buyer's certificate (empty certificate) or a seller's certificate (single certificate).

[0039] After accepting the bank, the bank will hold an electronic certificate. The amount recorded in the electronic voucher shall be treated as a corresponding reservation in the fund account of the bank, which is generally understood as freezing funds or granting credit. In actual use, freezing credit can be divided into two situations: One is to start calculating the interest from the frozen credit, that is, the credit card is used by the witness; the other is to receive the credit from the recipient. After the amount corresponding to the amount, the bank begins to calculate the interest, that is, from the time when the witness freezes the credit and the receipt of the funds by the receiving bank, it is considered that the bank has not invoked the credit line granted by the bank.

[0040] 2, the period of receipt

[0041] The recipient can apply for the receipt from the receiving bank, and the length of the collection period can be set to 1 day or customized.

[0042] 3. Performance period

[0043] The verification information of the bank is correct, after the transaction is confirmed, the certificate is received, and the electronic certificate enters the performance period. The length of the performance period can be set to 7 days or customized.

[0044] The certificate holder performs performance during the performance period and sends the performance information to the collection bank. If the merchant sends the goods, the contractor can be considered to have performed the contract, and the performance information may be the logistics order number of the delivery. [0045] 4. Signing period

[0046] The receiving bank obtains the performance information, changes the status of the electronic voucher, enters the electronic receipt, waits for the delivery of the goods, and signs the goods. The length of the signing period can be set to 7 days or customized.

[0047] 5, the release period

[0048] During the signing period, the card issuing party signs the goods, that is, after the card holder completes the trading conditions corresponding to the electronic voucher according to the payment conditions of the electronic voucher, the card issuing bank is entrusted to the bank to apply for settlement, and the length of the payment period is long. Can be set to 1 day.

[0049] 6. Liquidation period

[0050] After the bank has judged that the settlement conditions have been reached, the bank will release the funds from the bank account, transfer the funds to the bank, and the bank will transfer the funds to the recipient’s designated collection account (also known as the collection account). Receiving account

[0051] According to the above description, after the electronic certificate is established, the validity period can be divided into three segments, and the time limit is uploaded on the electronic voucher, which is the time limit for the certificate holder to receive the certificate, perform the contract, and apply for the settlement, and the corresponding period is not corresponding. Action, the electronic voucher is invalid.

[0052] The collection period is the time limit for the recipient to apply for the receipt, and the electronic certificate is invalid if the certificate is not received within the time limit. After the receipt of the certificate, the electronic certificate will enter the performance period.

[0053] The performance period is the time limit for the recipient to submit performance information (such as shipping information), and if the deadline is not submitted, the electronic certificate will be invalid. After the recipient submits the performance information, the electronic voucher enters the signing period.

[0054] The receipt period is the time limit for the certificate applicant to apply for settlement, and if the application for cancellation information (such as the receipt information) is not submitted within the time limit, the electronic certificate is invalid. After the recipient applies for payment, the electronic voucher enters the settlement period.

[0055] It should be understood that the above is only one way of applying the electronic voucher, and may also be an application electronic voucher purchase service. In the purchase service, such as the hotel transaction scenario, the hotel room reservation is successful, that is, the hotel has fulfilled the contract, the content of the performance information is the information that the reservation has been successful, and the customer is required to apply for payment.

[0056] Of course, the electronic voucher can also be applied to allocating funds. In different situations, the understanding of performance and receipt has also changed. That is to say, when a merchant provides a commodity or service, it may directly cause the status of the electronic voucher to flow through the performance period and the receipt period, and directly enter the settlement period, such as a face-to-face transaction.

[0057] [0058] The present application will be further described in detail below with reference to the accompanying drawings.

[0059] This embodiment provides a method, system, and device for batching electronic credentials.

[0060] Please refer to FIG. 1, which is a schematic diagram of a system structure for batching electronic voucher, and the system includes a client client 101 and a bank server 102. The client client 101 communicates with the bank server 102, for example, via an internet communication.

[0061] The system will be further described below in conjunction with a method of batching electronic vouchers.

[0062] Please refer to FIG. 2, which is a schematic flowchart of a method for batching an electronic voucher, and the method includes the following steps.

[0063] Step 1.1: The client of the witness obtains the information of the certificate for entering the plurality of electronic certificates input by the witness.

[0064] Specifically, the witness may input the information of the witness through the human-computer interaction interface provided by the client of the witness, for example, the client of the witness provides a form for the witness through the human-computer interaction interface, and the witness Enter the appropriate information in the form and submit it when you have finished typing.

[0065] wherein, the information of the card includes the amount of the card and the account information of the card account for freezing the funds or using the credit. The amount of the certificate may be entered actively by the witness through the form; when the witness is the buyer who conducts the transaction through the e-commerce platform, the amount of the certificate may be automatically generated by the client of the witness according to the order information of the witness. Of course, when the amount of the card is automatically generated by the client of the card according to the order information of the card, the client of the card can give the card the right to manually modify the amount of the card, or directly lock the amount of the card. Unchangeable.

[0066] It should be noted that, in this embodiment, the amount of the certificate is the sum of the amounts of the electronic certificates that each of the plurality of certification requests requires. The certificate account may be the account of the witness, such as the bank card of the witness, or the account of the non-certificate, such as a bank card of another person.

[0067] Step 1.2: The client client generates a plurality of requests for confirmation according to the above-mentioned information. Specifically, the client can generate multiple data requests for multiple authentication requests to facilitate transmission in subsequent steps. The client can also generate multiple data messages for each certificate request as needed. The specific data information can be generated in the same thread at the same time, or it can be generated one by one in multiple parallel threads.

[0068] Step 1.3: The 幵方客户 client sends a plurality of 幵 certificate requests to the 幵行。 server. When the client can generate a data message for all the certificate requests, the client will request all the certificates at once. The server sends the certificate to the server. When the client client separately generates multiple data messages for each certificate request, the client client sends each certificate request to the bank server in turn.

[0069] Preferably, in this embodiment, in order to ensure the security of the batch of electronic credentials, steps 1.4 and 1.5 are added.

[0070] Step 1.4: In step 1.1, the information of the card entered by the witness further includes the identity information of the witness. In this step, the server of the securities bank first verifies the witness according to the identity information, and then performs the following steps after determining that the card has the authority of the card. Of course, if the bank confirms that the witness does not have the right to swear, then the message that the certificate fails is returned, or the peer returns to the requesting party to reset the request for the certificate (modify the input information). Message.

[0071] In a specific application example, the server of the securities bank verifies the identity information of the party to verify whether the card has the authority of the card, and the following methods may be used:

[0072] (1) According to the identity information verification, for example, the ID card number of the (certificate party), verifying whether the card has the account information at the current bank, and if so, that the card party has the authority to prove the card, Otherwise, it is considered that the prosecution party does not have the authority to prosecute.

[0073] (2) According to the identity information verification, for example, the account used by the witness to log in to the client, verify whether the account has completed the real-name authentication, and if so, that the party has the authority to prove the certificate, otherwise, the card holder does not have the certificate. Proof of authority. Under this type of verification, it is not necessary to require the witness to have account information at the bank.

[0074] (3) According to the identity information verification, the identity information may be any information that uniquely identifies the identity of the witness.

To determine whether the prosecution party has a bad credit record, for example, to determine whether the prosecution party is a whitelist user or a blacklist user. If it is determined that the witness is a whitelisted user, it is considered that the witness has the right to certify; if it is determined that the party is a blacklisted user, it is considered that the party does not have the authority to swear.

[0075] (4) The identity information of the witness party is the dynamic code returned to the mobile phone number by the mobile phone number of the witness party carried by the bank of the securities card. Under this type of inspection, before the documentary party submits the card information, it needs to step through the data interaction step, that is: the client of the card first sends the mobile phone number entered by the witness to the bank of the bank, and the card is issued. The line server sends a dynamic code to the mobile number. When the server of the bank confirms that the dynamic code entered by the witness is consistent with the previous one, it is considered that the party has the authority to prove the certificate; if it is inconsistent, it is considered that the party does not have the authority to prove the card. In addition, the mobile number can also It is the mobile number that is bound to the account.

[0076] Of course, in other application examples, the server of the securities bank performs verification according to the identity information of the witness, to determine whether the party has the authority of the certificate, and may also adopt other methods. In this embodiment, only the column is listed. There are several better ways.

[0077] Step 1.5: In step 1.4, after the server of the bank confirms that the card has the authority to prove the card, in this step, it is further determined whether the amount of the card is less than or equal to the fund or credit in the account. If the amount of the certificate is less than or equal to the funds or credits in the account, continue with the next steps. If the amount of the certificate is greater than the funds or credits in the account, the server of the bank can return the message of the failure of the certificate directly to the client of the card, or return the message requesting the card to modify the card information; or When multiple vouchers are sent to the 幵行 server one by one, the 幵行服务器 server can set up the corresponding electronic vouchers according to the first received 幵 certificate, when the funds or credits in the defamatory account are insufficient, Stop the card and return the unprocessed request for the card to the witness. Alternatively, the bank may request the card to make a selection. , processing the selected request for the certificate.

[0078] Step 1.6: The 幵行服务器 server freezes the funds in the 幵 certificate account in accordance with the account information of the 幵 certificate account or the credits in the 幵 certificate account that are consistent with the amount of the 幵 certificate.

[0079] In this embodiment, the method further includes the step 1.7: the 幵行服务器 server returns a 确认 confirmation request to the 幵客户客户 client to confirm whether the 方幵幵幵幵。。。

[0080] Step 1.8: The client of the witness sends the obtained indication indicating the confirmation of the witness to the card server.

[0081] Steps 1.7 and 1.8 can be implemented in the following two ways:

[0082] (1) After the witness client obtains the confirmation request returned by the witness server, the client client displays the request, for example, a display interface of "confirm" and "cancel" is displayed. If the witness confirms the certificate, you only need to click the "confirm" option. If the card party waives the card, click "Cancel" to select the operation. The client of the witness party returns the corresponding result to the server of the bank according to the choice of the witness.

[0083] (2) The confirmation request returned by the verification server is used to request the verification party to input the withdrawal password of the verification account, and the client of the verification party displays the request, and after the witness enters the withdrawal password, Securities client The terminal sends it to the server of the bank, and the server of the bank authenticates the withdrawal password.

[0084] Of course, in other embodiments, steps 1.7 and 1.8 may also take other implementations.

[0085] Step 1.9: The server bank sends out a plurality of electronic certificates corresponding to the request for authentication. Similarly, the server can extract multiple electronic credentials in the same thread at a time, or it can extract electronic credentials one by one in multiple parallel threads.

[0086] Of course, after step 1.9, the server can also return a message indicating that the certificate is successful to the witness client to notify the witness. For the electronic voucher that needs to be transferred to the receiving party immediately, the bank will notify the receiving bank server to notify the collecting party to receive the certificate. Among them, the recipient is the party that receives the electronic certificate established by the witness, such as the seller in the transaction process, the recipient of the transfer, and so on. Since this embodiment is only a method of falsification, therefore, methods such as transfer and receipt are not described, and methods such as transfer and receipt can be implemented by conventional techniques in the art.

[0087] Specifically, the request for the certificate may be set by the witness to be in any of the following forms:

[0088] (1) The quota is issued to the recipient. The amount of the electronic certificate issued by the witness to the recipient is greater than the amount receivable by the recipient. When the recipient receives the fixed electronic certificate, the amount of the receivable is deducted. The amount is returned to the prosecution by electronic vouchers, which is equivalent to the method of "returning to zero".

[0089] (2) Regularly certifying the certificate to the recipient. For example, the request for a certificate is set to send the electronic certificate to the recipient on the 1st of each month. After receiving the request for such a certificate, the bank will send the electronic certificate to the recipient on the 1st of each month. Of course, the request can also be set to the number of times the electronic voucher is continuously ejected. This form of prosecution request provides the basis for the current payment method of installment payments.

[0090] (3) After the seller has not received the transaction instruction within the predetermined time, the witness will recover the electronic certificate.

The transaction instruction is equivalent to the performance information mentioned above. When the electronic voucher enters the performance period and the acquirer fails to perform the contract, that is, the certificate server does not receive the performance information of the issuer, the certificate party recovers the electronic certificate. , or the e-voucher is invalid.

[0091] (4) An electronic voucher that does not specify a random amount of the recipient. This form, equivalent to the current "electronic red envelope", can be distributed to the outside without specifying the recipient. The number of electronic vouchers that are not specified by the recipient can be the same as the number of vouchers requested.

[0092] In a specific embodiment, the setting form of the request may be determined according to the requirements of the witness, and the embodiment only lists some preferred forms. [0093]

[0094] Referring to FIG. 3, an apparatus for batching an electronic voucher provided by the present embodiment is provided as a client, including an information obtaining module 201, a request generating module 202, and a request sending module 203.

[0095] The information obtaining module 201 is configured to obtain the information of the card for entering the plurality of electronic voucher input by the witnessing party; the information of the card includes the amount of the card and the account for freezing the fund or using the credit card of the credit card information. Specifically, the information obtaining module 201 can be a human-computer interaction interface for performing information interaction with the witness.

[0096] The request generating module 202 is connected to the information obtaining module 201, and is configured to generate a plurality of authentication requests according to the authentication information. Specifically, the request generation module 202 can be a processor with data processing capabilities.

[0097] The request sending module 203 is connected to the request generating module 202, and is configured to send a plurality of authentication requests to the securities server; the server is used to freeze the certificate and the certificate according to the account information of the accounting account. The funds with the same amount or the credits in the certificate account that are consistent with the amount of the certificate, and the multiple electronic certificates corresponding to the request for the certificate are extracted. It should be noted that the request sending module 203 may specifically be a communication module, which not only has the function of transmitting information, but also has the function of accepting information.

[0098]

[0099] Please refer to FIG. 4, which is another apparatus for batching electronic voucher provided by the embodiment, and includes a fund freezing module 301 and a certificate module 304.

[0100] The fund freezing module 301 is configured to freeze the funds in the certificate account according to the account information of the certificate account or the credits in the account of the card that are consistent with the amount of the card.

[0101] The certificate module 304 is connected to the fund freezing module 301, and is configured to extract a plurality of electronic certificates corresponding to the certificate request; the plurality of certificate requests are used by the client according to the certificate input The information of the plurality of electronic voucher is generated; the information of the card includes the amount of the card and the account information of the account.

[0102] Preferably, the authentication information further includes identity information of the witness, the device further includes an identity verification module 302 connected between the fund freezing module 301 and the authentication module 304, and configured to authenticate the party according to the identity information. After verifying that the prosecution party has the right to falsify the certificate, the control fund freezing module freezes the funds in the 幵 certificate account that are consistent with the amount of the shackle certificate or the use of the 幵 certificate account and the 幵A credit with the same amount of credit.

[0103] Further, the device further includes an amount verification module 303 connected between the identity verification module 302 and the certificate module 304, and is configured to further determine the certificate after the identity verification module determines that the card has the authority of the certificate. Whether the amount is less than or equal to the funds or credit in the account of the certificate, after determining that the amount of the certificate is less than or equal to the funds or credit in the account, the control fund freezing module freezes the account according to the account information of the account The funds in the same amount as the amount of the certificate or the credits in the account that are consistent with the amount of the certificate.

[0104] As a device of the client and a device as a server, the working principle of the device may refer to the description of the method for batching the electronic voucher in the embodiment, and details are not described herein again.

[0105] The method, system and device for batching electronic vouchers provided by the embodiment can realize that the 幵方客户 client sends a plurality of 幵请求请求幵一次性一次性一次性幵幵幵幵幵幵幵幵Corresponding multiple electronic vouchers provide the basis for realizing one-time payment settlement for users in different merchants and/or different e-commerce platforms. Therefore, when the user purchases goods in different merchants and/or different e-commerce platforms, the payment settlement can be performed once, which greatly reduces the user's payment action, improves the user's consumption experience, and enriches the payment form of modern e-commerce.

[0106] It can be understood by those skilled in the art that all or part of the steps of the various methods in the above embodiments may be completed by a program, and the program may be stored in a computer readable storage medium, and the storage medium may include: Read memory, random access memory, disk or CD, etc.

The above is a further detailed description of the present application in conjunction with the specific embodiments, and the specific implementation of the application is not limited to the description. For the ordinary person skilled in the art to which the present invention pertains, a number of simple deductions or substitutions may be made without departing from the inventive concept. technical problem

Problem solution

Advantageous effects of the invention

Claims

Claim

[Claim 1] A method for batching an electronic voucher, comprising:

The client of the witness obtains the information of the card for entering the plurality of electronic certificates input by the witness; the information of the card includes the amount of the card and the account information of the card account for freezing the funds or using the credit;

The witness client generates a plurality of request for the certificate according to the certificate information, and sends the request for the certificate to the server of the bank;

The server of the securities bank freezes the funds in the certificate account that are consistent with the amount of the certificate or the credits in the account of the card that are consistent with the amount of the certificate according to the account information of the certificate account, and extracts the A plurality of electronic voucher corresponding to the request.

[Claim 2] The method according to claim 1, wherein the information further includes identity information of the witness;

The bank of the securities bank freezes the funds in the certificate account that are consistent with the amount of the certificate in accordance with the account information of the certificate card, or the credits in the account of the certificate that are consistent with the amount of the certificate, specifically the server of the bank The identity information is verified by the witness, and after determining that the witness has the authority to falsify, the account information of the account is frozen according to the account information of the account, and the fund or the amount corresponding to the amount of the certificate is frozen. A credit in the bank account that is consistent with the amount of the card.

[Claim 3] The method according to claim 2, wherein after determining that the witness party has the authority to prove the certificate, the method further comprises: further determining whether the amount of the certificate is less than or equal to The funds in the bank account;

After judging that the amount of the certificate is less than or equal to the funds in the account, the server freezes the funds or the amount in the certificate account that is consistent with the amount of the certificate according to the account information of the certificate account. A credit in the bank account that is consistent with the amount of the card.

[Claim 4] A system for batching an electronic voucher, comprising: a witness client and a server, wherein the client and the server are in communication connection; The client of the witness is used to obtain the input of the electronic certificate for the establishment of multiple electronic certificates. The license information is further configured to generate a plurality of request for the certificate according to the certificate information, and send the request for the certificate to the server of the bank; the information of the card includes the amount of the card and the funds used for freezing or Account information of the credit card account of the credit;

The server of the bank is used to freeze the funds in the certificate account that are consistent with the amount of the card in accordance with the account information of the account, or to use the credit in the account with the amount of the card, and A plurality of electronic voucher corresponding to the request for the certificate is issued.

[Claim 5] The system according to claim 4, wherein the information further includes identity information of the witness;

The server of the bank is used to freeze the funds in the certificate account that are consistent with the amount of the card in accordance with the account information of the account, or to use the credit card in the account of the card in accordance with the amount of the card. For:

The server of the bank is used for verifying the witness according to the identity information, and after determining that the card has the authority of the card, the account information of the card is frozen according to the account information of the account. The funds that have the same amount of the certificate or the credits in the account that are consistent with the amount of the certificate are used.

[Claim 6] The system according to claim 5, wherein the server further determines whether the amount of the certificate is less than after determining that the card has the authority of the card Or equal to the funds in the bank account;

The bank server is configured to, after determining that the amount of the card is less than or equal to the funds in the card account, and then freeze the account amount in the account corresponding to the card according to the account information of the card account The funds or the credits in the account that are consistent with the amount of the defamation certificate.

[Claim 7] A device for batching electronic voucher, as a client, characterized in that it comprises:

The information obtaining module is configured to obtain the information of the card for entering the plurality of electronic certificates input by the witnessing party; the information of the card includes the amount of the card and the account information of the card account for freezing the funds or using the credit card ;

a request generating module, configured to generate a plurality of authentication requests according to the authentication information, and a request sending module, configured to send the multiple authentication requests to the verification server; The server of the bank is used to freeze the funds in the certificate account that are consistent with the amount of the card in accordance with the account information of the account, or to use the credit in the account of the card to be consistent with the amount of the card, and to extract the The certificate request corresponds to a plurality of electronic vouchers.

[Claim 8] A device for batching an electronic voucher, as a server for a bank, characterized in that it comprises:

The fund freezing module is configured to freeze the funds in the certificate account corresponding to the amount of the card in accordance with the account information of the certificate account or to use the credit in the account of the card in accordance with the amount of the card; the certificate module is used for exporting a plurality of electronic vouchers corresponding to the vouchers request; the plurality of vouchers are generated by the 幵客户 client according to the 幵信息输入输入输入输入 ; The amount of the certificate and the account information of the account.

[Claim 9] The device according to claim 8, wherein the authentication information further includes identity information of the witness, the device further includes an identity verification module, configured to use the identity information according to the identity information After verifying the prosecution party, after judging that the prosecution party has the authority to prove the probation, the control fund freezing module freezes the funds or the funds in the certificate account that are consistent with the amount of the defamation certificate according to the account information of the defamation account. A credit in the bank account that is consistent with the amount of the card.

[Claim 10] The device according to claim 9, further comprising an amount verification module, configured to further determine the amount of the certificate after the identity verification module determines that the witness has the authority Whether it is less than or equal to the funds in the securities account, after determining that the amount of the securities is less than or equal to the funds in the securities account, the control fund freezing module freezes the securities account according to the account information of the securities account. The funds in the same amount as the amount of the certificate or the credits in the account that are consistent with the amount of the certificate.