WO2017012023A1 - 电子凭证开证方法、装置和系统 - Google Patents

电子凭证开证方法、装置和系统 Download PDF

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Publication number
WO2017012023A1
WO2017012023A1 PCT/CN2015/084592 CN2015084592W WO2017012023A1 WO 2017012023 A1 WO2017012023 A1 WO 2017012023A1 CN 2015084592 W CN2015084592 W CN 2015084592W WO 2017012023 A1 WO2017012023 A1 WO 2017012023A1
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WO
WIPO (PCT)
Prior art keywords
information
witness
account
card
electronic voucher
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PCT/CN2015/084592
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English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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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 CA2993256A priority Critical patent/CA2993256C/en
Priority to PCT/CN2015/084592 priority patent/WO2017012023A1/zh
Publication of WO2017012023A1 publication Critical patent/WO2017012023A1/zh

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    • 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 invention relates to the field of financial data processing, and in particular to an electronic certificate authentication method, device and system [0002]
  • the present application provides an electronic voucher method, apparatus, and system for quickly obtaining bank account information and extracting electronic voucher, reducing data input, shortening operation flow, reducing user memory account information, and increasing control effectiveness.
  • an embodiment provides an electronic certificate authentication method, including:
  • reservation information acquisition obtaining reservation information input by the witness; the account information is retrieved, and the account information bound to the reservation information is retrieved, and the account information includes the bank account and the provable amount of the witness;
  • the account information is displayed, and the account information is displayed to the witness party; the information of the card is obtained, and the information of the card is obtained, and the information of the card includes the selected bank account and the amount of the card entered, and the amount of the card is not greater than the amount of the card.
  • the amount of the certificate; the generation of the electronic voucher, and the generation of the electronic voucher based on the obtained information of the witness.
  • an electronic voucher device including:
  • a reservation information acquisition module configured to acquire reservation information input by the witness
  • an account information retrieval module configured to retrieve account information bound to the reservation information, where the account information includes a bank account of the witness
  • the account information display module which is used for displaying the account information to the witness party
  • the card information obtaining module is configured to obtain the card information of the witness party, and the card information includes the selected bank account and the input file.
  • Amount of evidence The input certificate amount is not greater than the provable amount
  • the electronic voucher generation module is configured to generate an electronic voucher according to the obtained certificate information of the witness.
  • an embodiment provides an electronic voucher system, including:
  • a signal connection client and a bank transaction terminal wherein the client client is used to provide reservation information to the bank transaction system, and the bank transaction terminal retrieves account information bound to the reservation information, and the account information includes The bank account and the provable amount of the ⁇ ;
  • the bank transaction terminal visualizes the account information through the ⁇ client;
  • the ⁇ client sends the ⁇ to the bank transaction side, the ⁇ information includes the selected bank account And the amount of the input certificate, the amount of the input certificate is not greater than the amount of the certificate; the bank transaction terminal generates an electronic certificate based on the obtained information of the witness.
  • the account information of the witness is retrieved according to the reserved information, and the account information includes the Bank accounts and provable quotas, therefore, reduce the amount of user memory account information, reduce the amount of data input, shorten the operational process, and improve the efficiency of dominance.
  • FIG. 1 is a schematic diagram of an electronic voucher system according to the present disclosure
  • FIG. 2 is a flowchart of a method for verifying an electronic voucher according to an embodiment of the present invention
  • FIG. 3 is a flowchart of an embodiment of dynamic code verification according to an embodiment of the present invention.
  • FIG. 5 is a schematic diagram showing an example of generating an electronic voucher by the electronic voucher system according to the embodiment
  • FIG. 6 is a schematic diagram showing another example of generating an electronic voucher by the electronic voucher system according to the embodiment.
  • the electronic voucher may be a bank credit certificate, and the bank sponsors the bank account fund or the credit line as a guarantee, and the bank promises to pay and pay according to the payment conditions.
  • the company will apply for a certificate from the bank.
  • the probationary 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 improvement of the embodiment is in the stage of certification, that is, the certification party applies for the certification stage.
  • FIG. 1 is a schematic diagram of an electronic voucher system according to the present embodiment.
  • the electronic voucher system includes: a signal connection client A and a bank transaction terminal B, wherein
  • the client client A is used to provide reservation information to the bank transaction system, and the bank transaction terminal B retrieves account information bound to the reservation information, and the account information includes the bank account and the provable amount of the witness party;
  • the bank transaction terminal B visually displays the account information through the client A; the client A sends the card information of the witness to the bank transaction terminal B, and the card information includes the selected bank account and the amount of the input certificate, input
  • the amount of the defamation certificate is not greater than the amount of the derogation certificate; the bank transaction terminal B generates an electronic voucher based on the obtained information of the prosecution party.
  • This embodiment also discloses an electronic voucher device, and the electronic voucher device includes: a reservation information acquisition module, an account information acquisition module, an account information display module, an account information display module, and a certificate information.
  • An acquisition module and an electronic voucher generation module wherein the reservation information acquisition module is configured to obtain reservation information input by the verification party; and the account information retrieval module is configured to retrieve account information bound to the reservation information, where the account information includes The bank account and the provable amount of the certificate; the account information display module is used to display the account information to the witness; the ⁇ information acquisition module is used to obtain the ⁇ certificate information of the ⁇ , the ⁇ ⁇ information includes the selected bank account and The input amount of the certificate is not greater than the amount of the certificate; the electronic certificate generation module is configured to generate an electronic certificate according to the obtained information of the witness.
  • the electronic voucher device further includes: a reservation information determining module, wherein the reservation information determining module is configured to determine whether the reserved information input by the witness is incorrect.
  • the electronic voucher device further includes: a dynamic code sending module and a dynamic code verifying module, wherein the dynamic code sending module is configured to send the dynamic code for generating the electronic voucher to the witness; the dynamic code The verification module is used to obtain the dynamic code fed back by the witness and determine whether the dynamic code of the feedback is correct.
  • this embodiment also discloses an electronic voucher authentication method. Please refer to FIG. 2, which is a flow chart of the electronic voucher authentication method according to the embodiment, and a specific method. Including the following steps:
  • Step 100 Reserve information acquisition, and obtain reservation information input by the witness.
  • the reserved information is information reserved by the witness in the bank account, and the reservation information may be at least one of an ID number, a mobile phone number, and a two-dimensional code.
  • the reserved information is a two-dimensional code
  • the two-dimensional code is stored in the image format on the smart terminal of the witness, and the smart terminal can realize the function of the client, that is, can realize data interaction with the bank transaction end.
  • the reservation information can be provided by the client.
  • the reservation information may also be question answer information. In short, the so-called reservation information can be used to characterize the identity of the witness.
  • Step 200 The account information is retrieved, and the account information bound to the reservation information is retrieved, and the account information includes the bank account and the provable quota of the witness.
  • the account information can be bound to its reservation information.
  • the witness can bind multiple accounts with the reservation information, and then, after the account information bound to the reservation information is retrieved, multiple accounts bound to each account and corresponding accounts can be retrieved. The amount can be verified.
  • Step 300 Display account information, and display account information to the witness.
  • the retrieved account information bound to the reservation information may be displayed to the witness.
  • the account information can be sent to the client, and then the account information can be visualized by the client.
  • the so-called display is not limited to visual display by the client, and it should be understood that the account information can be considered to be completed when the account information is sent to the designated client and/or the mobile terminal. The job of displaying account information.
  • Step 400 Obtaining the information of the card and obtaining the information of the card of the witness.
  • the information of the card includes the selected bank account and the amount of the insured card, and the amount of the card is not greater than the amount of the card.
  • the witness information of the witness may be obtained via the client.
  • Step 500 The electronic voucher is generated, and the electronic voucher is generated according to the acquired information of the witness.
  • the question when the reservation information is the question reply information, the question may be preset in the system, and before the information acquisition is completed in step 100, the following is also performed:
  • Step 600 the problem is output, and the preset question is output to the witness.
  • the preset question should preferably be known only to the witness, and in particular, the answer to the question can be set and tied in the bank account. Pre-set questions can be output to the client side.
  • the default problem representation is not limited to text, graphics, sounds, tables, or any combination of the above.
  • the obtained reservation information may be the question reply information input by the witness.
  • the obtained reservation information is also determined to verify the validity of the verification party.
  • the method further includes: [0041] Step 700: Reserve information judgment, determine whether the reservation information input by the witness party is incorrect, and if the reservation information input by the witness party is incorrect, output the reservation information used to represent the input of the prompting party. Wrong information; If the reservation information entered by the witness is correct, the account information retrieval step is performed.
  • the validity of the certificate may be verified by using a dynamic code.
  • the flow code verification flowchart is specific to the embodiment. The following steps are performed after the step of obtaining the information and before the generation of the electronic certificate:
  • Step 810 Send a dynamic code, and send a dynamic code for generating an electronic voucher to the witness.
  • the mobile number that is bound to the witness account can be sent.
  • the dynamic code may be generated randomly or dynamically according to rules preset by the system.
  • Step 820 Dynamic code verification, obtaining a dynamic code fed back by the witness, and determining whether the dynamic code of the feedback is correct. If the dynamic code of the feedback is correct, executing the electronic voucher generation step; when determining that the dynamic code of the feedback is incorrect ⁇ , you can prompt the dynamic code error of the feedback from the witness.
  • the verification information is confirmed by the witness to further improve the security of the transaction.
  • FIG. 4 is the implementation.
  • Another embodiment flow chart of the dynamic code verification specifically, after the authentication information obtaining step and before the electronic voucher is generated, the following steps are also performed:
  • Step 810 The dynamic code is sent, and the dynamic code for generating the electronic voucher is sent to the witness.
  • the mobile number that is bound to the witness account can be sent.
  • the dynamic code may be generated randomly or dynamically according to rules preset by the system.
  • Step 820 dynamic code verification, obtain the dynamic code of the feedback from the witness, and determine whether the dynamic code of the feedback is correct. If the dynamic code of the feedback is correct, the information is displayed to the witness, and step 830 is performed; When it is judged that the dynamic code of the feedback is not correct, the dynamic code error fed back by the witness may be prompted.
  • Step 830 confirming the confirmation, and obtaining an indication of confirming the information of the defect by the witness.
  • step 500 may be performed to generate an electronic certificate according to the obtained information of the witness.
  • this embodiment also discloses an example in which two electronic certificate authentication systems generate an electronic certificate.
  • the client may be set as a mobile phone, of course, in other
  • other intelligent terminals capable of realizing data interaction with the bank transaction end, such as a computer, a notebook, a tablet, etc., may also be used.
  • an electronic voucher is used as an example for description.
  • the witness party logs in from the client through the smart terminal (for example, a mobile phone), and then can perform data interaction with the bank transaction terminal.
  • the smart terminal for example, a mobile phone
  • the witness party inputs the reservation information (for example, the mobile phone number reserved by the witness) through the client, and the client sends the mobile phone number to the bank transaction terminal.
  • the reservation information for example, the mobile phone number reserved by the witness
  • the bank transaction terminal determines whether the reservation information (for example, the mobile phone number reserved by the witness party) is correct. If the reservation information is determined to be incorrect, the prompt information is sent to the client, and the prompt number is incorrect. Obtaining the corresponding account information; if it is determined that the reservation information is correct, the bank transaction end retrieves the account information bound with the reservation information, such as the information of the bank, the account information of the witness, and the like.
  • the reservation information for example, the mobile phone number reserved by the witness party
  • the bank transaction terminal displays the account information (such as the bank information, the witness account information, etc.) bound to the reserved information to the client, and the account information can be visualized. Displayed on the interface of the client.
  • the account information such as the bank information, the witness account information, etc.
  • the system informs the client of the witness account of the witness account through the client.
  • the client will return the bank account selected by the witness to the bank transaction.
  • the bank transaction terminal receives the information fed back by the client and sends the dynamic code to the bound mobile phone number.
  • the witness party inputs the dynamic code on the client, and the client authenticates the dynamic code input by the client to the bank transaction terminal.
  • the client verifies the dynamic code content, displays the fund content of the account, and sends the card information to the mobile phone number bound by the card (for example, the amount of the card, the bank card, etc.).
  • the prosecution party sends a confirmation indication of the defamation information to the bank transaction end to confirm the amount of the frozen funds.
  • the bank transaction terminal freezes the funds of the credit amount in the account and generates a silver letter certificate.
  • the witness party logs in from the client through the smart terminal (for example, a mobile phone), and then can perform data interaction with the bank transaction terminal.
  • the client can visually display the reserved problem to the client through the smart terminal (such as a mobile phone).
  • the security party inputs the reservation information through the client.
  • the reservation information is to answer the reserved question, and the client sends the answer to the bank transaction terminal.
  • the client verifies that the answer to the question is correct. If the answer to the question is incorrect, the prompt message is sent to the client, and the answer is incorrect, and the corresponding account information cannot be obtained; if the question is answered correctly, Then, the bank transaction side retrieves the account information bound with the question answer, such as the information of the bank, the account information of the witness, and the like.
  • the bank transaction terminal will display the account information (such as the information of the bank, the account information of the witness, etc.) that is bound to the question and answer to the client, and the account information can be displayed in a visual manner. On the interface of the client.
  • the account information such as the information of the bank, the account information of the witness, etc.
  • the system informs the client of the witness account of the witness account through the client.
  • the client will return the bank account selected by the witness to the bank transaction.
  • the account information of the witness is obtained according to the reserved information, and the account information includes the bank account and the provable amount of the witness. Therefore, the amount of information stored by the user in the account is reduced, the amount of data input is reduced, the operation flow is shortened, and the control efficiency is improved.

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Abstract

提供一种电子凭证开证方法、装置和系统，包括：预留信息获取，获取开证方输入的预留信息；账户信息调取，调取与预留信息绑定的账户信息，账户信息包括开证方的银行账户和可开证额度；账户信息展示，向开证方展示账户信息；开证信息获取，获取开证方的开证信息，开证信息包括选取的银行账户和输入的开证金额，输入的开证金额不大于可开证额度；电子凭证生成，根据获取的开证方的开证信息生成银信证。由于获取的是开证方输入的预留信息，根据预留信息调取开证方的账户信息，而账户信息包括开证方的银行账户和可开证额度，因此，减少用户记忆账户信息的量，减少了数据输入量，缩短操作流程，提高支配效率。

Description

电子凭证幵证方法、 装置和系统 技术领域
[0001] 本发明涉及金融数据处理领域， 具体涉及一种电子凭证幵证方法、 装置和系统 [0002] 背景技术
[0003] 随着电子商务的发展， 以及互联网技术尤其是移动互联网技术的发展， 用户可 以通过移动设备或其它智能终端使用例如 2G、 3G、 4G或 wifi等方式连接互联网 进行交易、 社交等活动， 通过互联网技术用户可以方便有效的进行线上活动。
[0004] 在现有技术中， 人们的电子支付活动中需要输入个人信息、 银行账户来确认支 付信息， 用户需要记忆多个账户信息、 幵户行信息， 给用户带来了诸多不便。
[0005]
[0006] 发明内容
[0007] 本申请提供一种电子凭证幵证方法、 装置和系统， 以实现快速获得银行账户信 息并幵出电子凭证， 减少数据输入量， 缩短操作流程， 减少用户记忆账户信息 的量， 提高支配效率。
[0008] 根据第一方面， 一种实施例中提供一种电子凭证幵证方法， 包括：
[0009] 预留信息获取， 获取幵证方输入的预留信息； 账户信息调取， 调取与预留信息 绑定的账户信息， 账户信息包括幵证方的银行账户和可幵证额度； 账户信息展 示， 向幵证方展示账户信息； 幵证信息获取， 获取幵证方的幵证信息， 幵证信 息包括选取的银行账户和输入的幵证金额， 输入的幵证金额不大于可幵证额度 ； 电子凭证生成， 根据获取的幵证方的幵证信息生成电子凭证。
[0010] 根据第二方面， 一种实施例中提供一种电子凭证幵证装置， 包括：
[0011] 预留信息获取模块， 用于获取幵证方输入的预留信息； 账户信息调取模块， 用 于调取与预留信息绑定的账户信息， 账户信息包括幵证方的银行账户和可幵证 额度； 账户信息展示模块， 用于向幵证方展示账户信息； 幵证信息获取模块， 用于获取幵证方的幵证信息， 幵证信息包括选取的银行账户和输入的幵证金额 ， 输入的幵证金额不大于可幵证额度； 电子凭证生成模块， 用于根据获取的幵 证方的幵证信息生成电子凭证。
[0012] 根据第二方面， 一种实施例中提供一种电子凭证幵证系统， 包括：
[0013] 信号连接的幵证客户端和银行交易端， 其中， 幵证客户端用于向银行交易系统 提供预留信息， 银行交易端调取与预留信息绑定的账户信息， 账户信息包括幵 证方的银行账户和可幵证额度； 银行交易端通过幵证客户端可视化显示账户信 息； 幵证客户端向银行交易端发送幵证方的幵证信息， 幵证信息包括选取的银 行账户和输入的幵证金额， 输入的幵证金额不大于可幵证额度； 银行交易端根 据获取的幵证方的幵证信息生成电子凭证。
[0014] 依据上述实施例的电子凭证幵证方法和装置， 由于获取的是幵证方输入的预留 信息， 根据预留信息调取幵证方的账户信息， 而账户信息包括幵证方的银行账 户和可幵证额度， 因此， 减少用户记忆账户信息的量， 减少了数据输入量， 缩 短操作流程， 提高支配效率。
[0015] 附图说明
[0016] 图 1为本实施例公幵的一种电子凭证幵证系统原理图；
[0017] 图 2为本实施例电子凭证幵证方法流程图；
[0018] 图 3为本实施例动态码验证的一种实施方式流程图；
[0019] 图 4为本实施例动态码验证的另一种实施方式流程图；
[0020] 图 5为本实施例电子凭证幵证系统生成电子凭证的一种示例示意图；
[0021] 图 6为本实施例电子凭证幵证系统生成电子凭证的另一种示例示意图。
[0022] 具体实施方式
[0023] 下面通过具体实施方式结合附图对本发明作进一步详细说明。
[0024] 为便于本领域技术人员理解， 举例对电子凭证的应用场景作简要说明：
[0025] 作为例子， 在本实施例中， 所称电子凭证可以为银信证， 为贷款发起方以其银 行账户资金或授信额度作为保证而幵立的， 银行承诺依照解付条件办理收付结 算的信用凭证。 双方交易形成订单后， 幵证方向幵证银行申请幵证。 当然， 幵 证方可以在形成具体的交易订单吋申请幵证； 也可在未形成交易订单吋， 幵证 方单方主动申请幵证。 [0026] 本实施例的改进之处在幵证阶段， 即幵证方申请幵证阶段。
[0027] 请参考图 1， 为本实施例公幵的一种电子凭证幵证系统原理图， 该电子凭证幵 证系统包括： 信号连接的幵证客户端 A和银行交易端 B， 其中，
[0028] 幵证客户端 A用于向银行交易系统提供预留信息， 银行交易端 B调取与预留信 息绑定的账户信息， 账户信息包括幵证方的银行账户和可幵证额度； 银行交易 端 B通过幵证客户端 A可视化显示账户信息； 幵证客户端 A向银行交易端 B发送幵 证方的幵证信息， 幵证信息包括选取的银行账户和输入的幵证金额， 输入的幵 证金额不大于可幵证额度； 银行交易端 B根据获取的幵证方的幵证信息生成电子 凭证。
[0029] 本实施例还公幵了一种电子凭证幵证装置， 电子凭证幵证装置包括： 预留信息 获取模块、 账户信息调取模块、 账户信息展示模块、 账户信息展示模块、 幵证 信息获取模块和电子凭证生成模块， 其中， 预留信息获取模块用于获取幵证方 输入的预留信息； 账户信息调取模块用于调取与预留信息绑定的账户信息， 账 户信息包括幵证方的银行账户和可幵证额度； 账户信息展示模块用于向幵证方 展示账户信息； 幵证信息获取模块用于获取幵证方的幵证信息， 幵证信息包括 选取的银行账户和输入的幵证金额， 输入的幵证金额不大于可幵证额度； 电子 凭证生成模块用于根据获取的幵证方的幵证信息生成电子凭证。
[0030] 在优选的实施例中， 电子凭证幵证装置还包括： 预留信息判断模块， 预留信息 判断模块用于判断幵证方输入的预留信息是否有误。
[0031] 在优选的实施例中， 电子凭证幵证装置还包括： 动态码发送模块和动态码验证 模块， 其中， 动态码发送模块用于向幵证方发送生成电子凭证的动态码； 动态 码验证模块用于获取幵证方反馈的动态码， 并判断反馈的动态码是否正确。
[0032] 基于上述实施例公幵的电子凭证幵证装置， 本实施例还公幵了一种电子凭证幵 证方法， 请参考图 2， 为本实施例电子凭证幵证方法流程图， 具体方法包括如下 步骤：
[0033] 步骤 100， 预留信息获取， 获取幵证方输入的预留信息。 在具体实施例中， 所 称预留信息为幵证方在银行幵账户吋预留的信息， 预留信息可以为身份证号、 手机号和二维码中的至少一种。 需要说明的是， 当预留信息为二维码吋， 可以 将二维码以图片格式存储于幵证方的智能终端， 该智能终端可以实现幵证客户 端的功能， 即能够与银行交易端实现数据交互。 在具体实施例中， 可以通过幵 证客户端提供预留信息。 在另一种实施例中， 预留信息也可以是问题答复信息 。 简言之， 所称预留信息只要能够表征幵证方身份即可。
[0034] 步骤 200， 账户信息调取， 调取与预留信息绑定的账户信息， 账户信息包括幵 证方的银行账户和可幵证额度。 幵证方在银行幵账户吋可以将其账户信息与其 预留信息绑定。 在具体实施例中， 幵证方可以与其预留信息绑定多个账户， 于 是， 在调取与预留信息绑定的账户信息吋， 可以调取绑定的多个账户及各账户 对应的可幵证额度。
[0035] 步骤 300， 账户信息展示， 向幵证方展示账户信息。 在执行步骤 200之后， 可以 将调取出的与预留信息绑定的账户信息向幵证方展示。 具体地， 可以向幵证客 户端发送账户信息， 而后由幵证客户端可视化显示账户信息。 需要说明的是， 在本实施例中， 所称展示并不仅限于通过幵证客户端可视化显示， 应当理解为 在将账户信息发送至指定的客户端和 /或移动终端即可认为完成向幵证方展示账 户信息的作业。
[0036] 步骤 400， 幵证信息获取， 获取幵证方的幵证信息， 具体地， 幵证信息包括选 取的银行账户和输入的幵证金额， 输入的幵证金额不大于可幵证额度。 在一种 实施例中， 幵证方的幵证信息可经由幵证客户端获取。
[0037] 步骤 500， 电子凭证生成， 根据获取的幵证方的幵证信息生成电子凭证。
[0038] 在另一种实施例中， 当预留信息为问题答复信息吋， 可在系统中预设问题， 在 步骤 100预留信息获取之前， 还执行：
[0039] 步骤 600， 问题输出， 向幵证方输出预设的问题。 在具体实施例中， 预设的问 题应优选为仅幵证方所知晓， 具体地， 可以在幵证方在银行幵账户吋设置并绑 定问题的答案。 预设的问题可以输出至幵证方客户端， 预设的问题表征方式不 限于文字、 图案、 声音、 表格或者上述方式的任意组合。 此吋， 在步骤 100预留 信息获取中， 获取的预留信息可以是幵证方输入的问题答复信息。
[0040] 在优选的实施例中， 还应对获取的预留信息进行判断， 以验证幵证方的合法性 ， 具体地， 在预留信息获取步骤之后和账户信息调取步骤之前， 还包括： [0041] 步骤 700， 预留信息判断， 判断幵证方输入的预留信息是否有误， 如果幵证方 输入的预留信息不正确， 则输出用于表征提示幵证方输入的预留信息错误的信 息； 如果幵证方输入的预留信息正确， 则执行账户信息调取步骤。
[0042] 为提高幵证方幵证的安全性， 在具体实施例中， 还可以通过动态码来验证幵证 方的合法性， 请参考图 3， 为本实施例动态码验证流程图， 具体地， 在幵证信息 获取步骤之后和电子凭证生成之前， 还执行如下步骤：
[0043] 步骤 810， 动态码发送， 向幵证方发送生成电子凭证的动态码。 在具体实施例 中， 可以发送至幵证方账户绑定的手机号码。 需要说明的是， 动态码可以是随 机产生的， 也可以是根据系统预设的规则动态产生。
[0044] 步骤 820， 动态码验证， 获取幵证方反馈的动态码， 并判断反馈的动态码是否 正确， 如果反馈的动态码正确， 则执行电子凭证生成步骤； 当判断反馈的动态 码不正确吋， 可以提示幵证方反馈的动态码错误。
[0045] 在另一种实施例中， 还可以在动态码验证通过后， 由幵证方对幵证信息予以确 认， 以进一步提高交易的安全性， 具体地， 请参考图 4， 为本实施例动态码验证 的另一种实施方式流程图， 具体地， 在幵证信息获取步骤之后和电子凭证生成 之前， 还执行如下步骤：
[0046] 步骤 810， 动态码发送， 向幵证方发送生成电子凭证的动态码。 在具体实施例 中， 可以发送至幵证方账户绑定的手机号码。 需要说明的是， 动态码可以是随 机产生的， 也可以是根据系统预设的规则动态产生。
[0047] 步骤 820， 动态码验证， 获取幵证方反馈的动态码， 并判断反馈的动态码是否 正确， 如果反馈的动态码正确， 则向幵证方展示幵证信息， 并执行步骤 830; 当 判断反馈的动态码不正确吋， 可以提示幵证方反馈的动态码错误。
[0048] 步骤 830， 幵证确认， 获取幵证方对幵证信息的确认指示。 在获得幵证方的确 认指示后， 则可执行步骤 500， 根据获取的幵证方的幵证信息生成电子凭证。
[0049] 为便于本领域技术人员理解， 本实施例还公幵了两种电子凭证幵证系统生成电 子凭证的示例， 在具体的示例中， 不妨设幵证客户端为手机， 当然， 在其它实 施例中， 也可以是其它能够与银行交易端实现数据交互的智能终端， 譬如计算 机、 笔记本、 平板电脑等。 [0050] 在以下示例中， 以电子凭证为银信证为例进行说明。
[0051] 在第一示例中， 请参考图 5， 具体生成银信证的操作过程如下：
[0052] ( 1) 幵证方通过智能终端 （例如手机） 从幵证客户端登录， 继而可以与银行 交易端进行数据交互。
[0053] (2) 幵证方通过幵证客户端输入预留信息 （例如幵证方预留的手机号） ， 幵 证客户端将该手机号发送至银行交易端。
[0054] (3) 银行交易端判断预留信息 （例如幵证方预留的手机号） 是否正确， 如果 判断预留信息不正确， 则向幵证客户端发送提示信息， 提示号码错误， 无法获 取对应的账户信息； 如果判断预留信息正确， 则银行交易端调取与预留信息绑 定的账户信息， 例如幵证行信息、 幵证人账户信息等。
[0055] (4) 银行交易端将调取的与预留信息绑定的账户信息 （例如幵证行信息、 幵 证人账户信息等） 反馈展示给幵证客户端， 账户信息可以采用可视化的方式显 示在幵证客户端的界面上。
[0056] (5) 幵证方通过幵证客户端选择一个银行账户， 该账户的所属银行为幵证行
， 系统通过幵证客户端通知幵证人账户所属的幵证行。 幵证客户端将幵证方选 择的银行账户反馈至银行交易端。
[0057] (6) 银行交易端接收幵证客户端反馈的信息并向绑定手机号码发送动态码。
[0058] (7) 幵证方在幵证客户端输入动态码， 幵证客户端将该幵证方输入的动态码 发送给银行交易端。
[0059] (8) 幵证客户端验证动态码内容， 显示账户的资金内容， 并向幵证方绑定的 手机号发送幵证信息 （例如幵证金额、 幵证行等） 。
[0060] (9) 幵证方将幵证信息的确认指示发送至银行交易端， 以确认冻结资金的额 度。
[0061] ( 10) 银行交易端冻结账户内确认额度的资金， 并生成银信证。
[0062] 在第二示例中， 请参考图 6， 具体生成银信证的操作过程如下：
[0063] ( 1) 幵证方通过智能终端 （例如手机） 从幵证客户端登录， 继而可以与银行 交易端进行数据交互。 幵证客户端通过该智能终端 （例如手机） 向客户可视化 显示预留的问题。 [0064] (2) 幵证方通过幵证客户端输入预留信息， 本实施例中， 预留信息为对预留 的问题进行回答， 幵证客户端将该问题回答发送至银行交易端。
[0065] (3) 幵证客户端判断问题回答是否正确， 如果判断问题回答不正确， 则向幵 证客户端发送提示信息， 提示回答错误， 无法获取对应的账户信息； 如果判断 问题回答正确， 则银行交易端调取与问题回答绑定的账户信息， 例如幵证行信 息、 幵证人账户信息等。
[0066] (4) 银行交易端将调取的与问题回答绑定的账户信息 （例如幵证行信息、 幵 证人账户信息等） 反馈展示给幵证客户端， 账户信息可以采用可视化的方式显 示在幵证客户端的界面上。
[0067] (5) 幵证方通过幵证客户端选择一个银行账户， 该账户的所属银行为幵证行
， 系统通过幵证客户端通知幵证人账户所属的幵证行。 幵证客户端将幵证方选 择的银行账户反馈至银行交易端。
[0068] 而后执行第一示例中 （6) ~ ( 10) 的相应操作， 在此不再赘述。
[0069] 本实施例中， 由于获取的是幵证方输入的预留信息， 根据预留信息调取幵证方 的账户信息， 而账户信息包括幵证方的银行账户和可幵证额度， 因此， 减少用 户记忆账户信息的量， 减少了数据输入量， 缩短操作流程， 提高支配效率。
[0070] 此外， 通过动态验证、 问题回答等方式来确认幵证方信息， 可以进一步提高交 易的安全性。
[0071]
[0072] 本领域技术人员可以理解， 上述实施方式中各种方法的全部或部分步骤可以通 过程序来指令相关硬件完成， 该程序可以存储于一计算机可读存储介质中， 存 储介质可以包括： 只读存储器、 随机存储器、 磁盘或光盘等。
[0073] 以上应用了具体个例对本发明进行阐述， 只是用于帮助理解本发明， 并不用以 限制本发明。 对于本发明所属技术领域的技术人员， 依据本发明的思想， 还可 以做出若干简单推演、 变形或替换。
技术问题
问题的解决方案
发明的有益效果

Claims

权利要求书
[权利要求 1] 一种电子凭证幵证方法， 其特征在于， 包括：
预留信息获取， 获取幵证方输入的预留信息；
账户信息调取， 调取与所述预留信息绑定的账户信息， 所述账户信息 包括幵证方的银行账户和可幵证额度；
账户信息展示， 向幵证方展示所述账户信息；
幵证信息获取， 获取幵证方的幵证信息， 所述幵证信息包括选取的银 行账户和输入的幵证金额， 所述输入的幵证金额不大于所述可幵证额 度；
电子凭证生成， 根据获取的幵证方的幵证信息生成电子凭证。
[权利要求 2] 如权利要求 1所述的电子凭证幵证方法， 其特征在于， 所述预留信息 包括幵证方的身份证号、 手机号和二维码中的至少一种。
[权利要求 3] 如权利要求 1所述的电子凭证幵证方法， 其特征在于， 在所述预留信 息获取步骤之前， 还包括：
问题输出， 向幵证方输出预设的问题；
所述预留信息包括问题答复信息， 所述预留信息获取步骤中， 获取幵 证方输入的问题答复信息。
[权利要求 4] 如权利要求 1-3任意一项所述的电子凭证幵证方法， 其特征在于， 在 预留信息获取步骤之后和账户信息调取步骤之前， 还包括： 预留信息判断， 判断幵证方输入的预留信息是否有误， 如果幵证方输 入的预留信息不正确， 则输出用于表征提示幵证方输入的预留信息错 误的信息； 如果幵证方输入的预留信息正确， 则执行账户信息调取步 骤。
[权利要求 5] 如权利要求 1-3任意一项所述的电子凭证幵证方法， 其特征在于， 在 所述幵证信息获取步骤之后和所述电子凭证生成之前， 还包括： 动态码发送， 向幵证方发送生成电子凭证的动态码；
动态码验证， 获取幵证方反馈的动态码， 并判断反馈的动态码是否正 确， 如果反馈的动态码正确， 则执行电子凭证生成步骤。 如权利要求 1-3任意一项所述的电子凭证幵证方法， 其特征在于， 在 所述幵证信息获取步骤之后和所述电子凭证生成之前， 还包括： 动态码发送， 向幵证方发送生成电子凭证的动态码；
动态码验证， 获取幵证方反馈的动态码， 并判断反馈的动态码是否正 确， 如果反馈的动态码正确， 则向幵证方展示幵证信息；
幵证确认， 获取幵证方对幵证信息的确认指示； 以及根据获取的幵证 方的幵证信息生成电子凭证。
一种电子凭证幵证装置， 其特征在于， 包括：
预留信息获取模块， 用于获取幵证方输入的预留信息；
账户信息调取模块， 用于调取与所述预留信息绑定的账户信息， 所述 账户信息包括幵证方的银行账户和可幵证额度；
账户信息展示模块， 用于向幵证方展示所述账户信息；
幵证信息获取模块， 用于获取幵证方的幵证信息， 所述幵证信息包括 选取的银行账户和输入的幵证金额， 所述输入的幵证金额不大于所述 可幵证额度；
电子凭证生成模块， 用于根据获取的幵证方的幵证信息生成电子凭证 如权利要求 7所述的电子凭证幵证装置， 其特征在于， 还包括： 预留信息判断模块， 用于判断幵证方输入的预留信息是否有误。 如权利要求 7或 8所述的电子凭证幵证装置， 其特征在于， 还包括： 动态码发送模块， 用于向幵证方发送生成电子凭证的动态码； 动态码验证模块， 用于获取幵证方反馈的动态码， 并判断反馈的动态 码是否正确。
一种电子凭证幵证系统， 其特征在于， 包括： 信号连接的幵证客户 端和银行交易端， 其中，
幵证客户端用于向银行交易系统提供预留信息， 银行交易端调取与所 述预留信息绑定的账户信息， 所述账户信息包括幵证方的银行账户和 可幵证额度； 银行交易端通过幵证客户端可视化显示所述账户信息；
幵证客户端向银行交易端发送幵证方的幵证信息， 所述幵证信息包括 选取的银行账户和输入的幵证金额， 所述输入的幵证金额不大于所述 可幵证额度；
银行交易端根据获取的幵证方的幵证信息生成电子凭证。
PCT/CN2015/084592 2015-07-21 2015-07-21 电子凭证开证方法、装置和系统 WO2017012023A1 (zh)

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