WO2017012021A1 - Procédé, système et dispositif pour délivrer en lots des certificats électroniques - Google Patents

Procédé, système et dispositif pour délivrer en lots des certificats électroniques Download PDF

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Publication number
WO2017012021A1
WO2017012021A1 PCT/CN2015/084590 CN2015084590W WO2017012021A1 WO 2017012021 A1 WO2017012021 A1 WO 2017012021A1 CN 2015084590 W CN2015084590 W CN 2015084590W WO 2017012021 A1 WO2017012021 A1 WO 2017012021A1
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WO
WIPO (PCT)
Prior art keywords
account
certificate
card
amount
information
Prior art date
Application number
PCT/CN2015/084590
Other languages
English (en)
Chinese (zh)
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 CA2993252A priority Critical patent/CA2993252C/fr
Priority to PCT/CN2015/084590 priority patent/WO2017012021A1/fr
Publication of WO2017012021A1 publication Critical patent/WO2017012021A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols

Definitions

  • the present application relates to the field of electronic commerce technologies, and in particular, to a method, system, and device for batching electronic vouchers.
  • 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.
  • parties buyers, sellers, logistics companies, financial institutions, etc.
  • 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.
  • the present application provides a method, system and device for batching electronic vouchers, and the ⁇ ⁇ client can send multiple ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ Corresponding multiple electronic vouchers provide the basis for realizing one-time payment settlement for users in different merchants and/or different e-commerce platforms.
  • 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 ⁇ ; 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;
  • the client client generates a plurality of certificate requests according to the certificate information, and sends the certificate request to the bank server;
  • 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.
  • the present application provides a system for batching electronic vouchers, including a ⁇ ⁇ ⁇ client and a ⁇ ⁇ , server, the ⁇ ⁇ ⁇ client and the ⁇ ⁇ ⁇ Server communication connection
  • 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;
  • 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.
  • the present application provides an apparatus for batching an electronic voucher as a client, including:
  • 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
  • a request generating module configured to generate a plurality of certificate requests according to the certificate information
  • 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.
  • the present application provides another device for batching electronic voucher, as a server, comprising:
  • a fund freezing module configured to: according to the account information of the shackle account, freeze the funds in the ⁇ certificate account that are consistent with the amount of the ⁇ certificate or the credits in the ⁇ certificate account that are consistent with the amount of the ⁇ certificate;
  • 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 ⁇ ⁇ ⁇ client to establish a plurality of electronic vouchers according to the ⁇ ⁇ 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.
  • 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.
  • the method, system and device for the batch of electronic vouchers can realize that the ⁇ client sends a plurality of ⁇ certificate requests to the ⁇ ⁇ ⁇ server at one time, and the ⁇ ⁇ ⁇ 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.
  • FIG. 1 is a schematic structural diagram of a system for batching an electronic voucher in an embodiment of the present application
  • FIG. 2 is a schematic flowchart of a method for batching an electronic voucher in an embodiment of the present application
  • FIG. 3 is a schematic structural diagram of a device as a client of a witness in an embodiment of the present application
  • 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.
  • 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.
  • 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.
  • 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.
  • 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:
  • the company will apply for a certificate from the bank.
  • 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.
  • the electronic voucher can be either a buyer's certificate (empty certificate) or a seller's certificate (single certificate).
  • the bank 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.
  • 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.
  • the bank 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.
  • 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.
  • 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.
  • 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
  • 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.
  • 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.
  • the bank 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
  • 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.
  • 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.
  • 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.
  • 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.
  • the above is only one way of applying the electronic voucher, and may also be an application electronic voucher purchase service.
  • 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.
  • the electronic voucher can also be applied to allocating funds.
  • 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.
  • This embodiment provides a method, system, and device for batching electronic credentials.
  • FIG. 1 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.
  • FIG. 2 is a schematic flowchart of a method for batching an electronic voucher, and the method includes the following steps.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • Step 1.3 The ⁇ ⁇ ⁇ client sends a plurality of ⁇ certificate requests to the ⁇ ⁇ ⁇ server.
  • 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.
  • 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.
  • steps 1.4 and 1.5 are added.
  • Step 1.4 In step 1.1, the information of the card entered by the witness further includes the identity information of the witness.
  • 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.
  • 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:
  • 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.
  • 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.
  • 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.
  • 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.
  • the mobile number can also It is the mobile number that is bound to the account.
  • 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.
  • 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.
  • 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
  • the ⁇ ⁇ ⁇ server can set up the corresponding electronic vouchers according to the first received ⁇ 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.
  • the bank may request the card to make a selection. , processing the selected request for the certificate.
  • Step 1.6 The ⁇ ⁇ ⁇ server freezes the funds in the ⁇ certificate account in accordance with the account information of the ⁇ certificate account or the credits in the ⁇ certificate account that are consistent with the amount of the ⁇ certificate.
  • the method further includes the step 1.7: the ⁇ ⁇ ⁇ server returns a ⁇ confirmation request to the ⁇ ⁇ ⁇ client to confirm whether the ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇
  • Step 1.8 The client of the witness sends the obtained indication indicating the confirmation of the witness to the card server.
  • Steps 1.7 and 1.8 can be implemented in the following two ways:
  • the client client 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.
  • 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.
  • steps 1.7 and 1.8 may also take other implementations.
  • 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.
  • the server can also return a message indicating that the certificate is successful to the witness client to notify the witness.
  • the bank will notify the receiving bank server to notify the collecting party to receive the certificate.
  • 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.
  • the request for the certificate may be set by the witness to be in any of the following forms:
  • 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.
  • 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".
  • the request for a certificate is set to send the electronic certificate to the recipient on the 1st of each month.
  • the bank will send the electronic certificate to the recipient on the 1st of each month.
  • 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.
  • the transaction instruction is equivalent to the performance information mentioned above.
  • 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.
  • the setting form of the request may be determined according to the requirements of the witness, and the embodiment only lists some preferred forms.
  • 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.
  • 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.
  • the information obtaining module 201 can be a human-computer interaction interface for performing information interaction with the witness.
  • 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.
  • the request generation module 202 can be a processor with data processing capabilities.
  • 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.
  • FIG. 4 is another apparatus for batching electronic voucher provided by the embodiment, and includes a fund freezing module 301 and a certificate module 304.
  • 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.
  • 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.
  • 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.
  • the control fund freezing module freezes the funds in the ⁇ certificate account that are consistent with the amount of the shackle certificate or the use of the ⁇ certificate account and the ⁇ A credit with the same amount of credit.
  • 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.
  • 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.
  • the method, system and device for batching electronic vouchers can realize that the ⁇ ⁇ ⁇ client sends a plurality of ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ ⁇ 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.

Abstract

L'invention concerne un procédé, un système et un dispositif pour délivrer en lots des certificats électroniques, un terminal de client de délivrance de certificat, sur la base d'informations de délivrance de certificat entrées par une partie de délivrance de certificat, générant une pluralité de requêtes de délivrance de certificat, et envoyant lesdites requêtes de délivrance de certificat à un serveur bancaire de délivrance de certificat ; les informations de délivrance de certificat comprenant les valeurs de délivrance de certificat et les informations de compte du compte de délivrance de certificat, utilisées pour bloquer de l'argent ou dépenser un crédit ; le serveur bancaire de délivrance de certificat, sur la base des informations de compte du compte de délivrance de certificat, bloquant de l'argent d'un montant équivalent aux valeurs de délivrance de certificat dans le compte de délivrance de certificat ou dépensant un crédit d'un montant équivalent aux valeurs de délivrance de certificat dans le compte de délivrance de certificat, et délivrant des certificats électroniques correspondant à la pluralité de requêtes de délivrance de certificat. Le procédé, le système et le dispositif de la présente invention pour la délivrance en lots de certificats électroniques permettent à un terminal de client de partie de délivrance de certificat d'envoyer en même temps une pluralité de requêtes de délivrance de certificat au serveur bancaire de délivrance de certificat, et au serveur bancaire de délivrance de certificat de délivrer une pluralité de certificats électroniques correspondant aux requêtes de délivrance de certificat, ce qui permet de fournir la base pour qu'un utilisateur mette en œuvre un paiement et un règlement uniques pour différentes entreprises et/ou différentes plateformes de commerce électronique.
PCT/CN2015/084590 2015-07-21 2015-07-21 Procédé, système et dispositif pour délivrer en lots des certificats électroniques WO2017012021A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2993252A CA2993252C (fr) 2015-07-21 2015-07-21 Procede, systeme et dispositif pour delivrer en lots des certificats electroniques
PCT/CN2015/084590 WO2017012021A1 (fr) 2015-07-21 2015-07-21 Procédé, système et dispositif pour délivrer en lots des certificats électroniques

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Application Number Priority Date Filing Date Title
PCT/CN2015/084590 WO2017012021A1 (fr) 2015-07-21 2015-07-21 Procédé, système et dispositif pour délivrer en lots des certificats électroniques

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140101042A1 (en) * 2012-10-05 2014-04-10 Jvl Ventures, Llc Systems, methods, and computer program products for managing remote transactions
CN103827902A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种网络支付的方法及系统
CN204178394U (zh) * 2014-09-12 2015-02-25 深圳市银信网银科技有限公司 一种电子凭证生成装置

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20140101042A1 (en) * 2012-10-05 2014-04-10 Jvl Ventures, Llc Systems, methods, and computer program products for managing remote transactions
CN103827902A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种网络支付的方法及系统
CN204178394U (zh) * 2014-09-12 2015-02-25 深圳市银信网银科技有限公司 一种电子凭证生成装置

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CA2993252A1 (fr) 2017-01-26

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