WO2017012026A1

WO2017012026A1 - Method and system for setting contract completion time limitation for electronic certificate

Info

Publication number: WO2017012026A1
Application number: PCT/CN2015/084595
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: CA2994335A1; CA2994335C

Abstract

A method and system for setting a contract completion time limitation for an electronic certificate. The method for setting a contract completion time limitation for an electronic certificate comprises: a client transmits an electronic certificate issuing request information and contract completion time limitation setting information (S1); a service end receives the electronic certificate issuing request information and the contract completion time limitation setting information transmitted by the client (S2); the service end determines whether or not a contract completion time limitation setting is correct (S3); and if yes, then an electronic certificate is issued on the basis of the contract completion time limitation setting information (S4). By setting the contract completion time limitation for the electronic certificate, capital flow is provided with a time limitation rule, proper disposal in terms of capital flow is facilitated for two parties while safeguarding interests of both parties, and an electronic certificate recipient is encouraged to complete a contract on time, thus increasing the degree of flexibility in using electronic certificates, and enriching the application of financial payment instruments.

Description

Description: A method and system for setting an electronic voucher performance aging

[0001] The present invention relates to the field of electronic commerce, and in particular, to a method and system for setting an electronic certificate fulfillment effect [0002]

[0003] With the development of computers, networks and modern communication technologies, e-commerce applications have gradually entered thousands of households and become one of the trading methods familiar to people. E-commerce uses the Internet platform to connect the participating parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, and reduce the cost of transactions by networking, electronically and informatizing the entire transaction process. Improve transaction efficiency.

[0004] However, in the current e-commerce application, neither the online banking system nor the third-party payment system has agreed that the circulation of funds is effective, and it is still the principle of circulation, which is not conducive to the correct control of the circulation of funds by both parties. Moreover, the existing electronic voucher setting method is cumbersome, resulting in a large number of repetitive work, low efficiency and low efficiency, which is not conducive to the rapid development of e-commerce activities.

SUMMARY OF THE INVENTION

According to a first aspect of the present invention, a method for setting an electronic voucher performance is provided, including

[0007] The client sends the electronic certificate certificate request information and the performance setting information;

[0008] The server receives the electronic credential request information and the performance setting information sent by the client;

[0009] The server determines whether the performance setting is correct, and if it is correct, the electronic certificate is set according to the performance setting information.

[0010] The method for setting an electronic voucher performance, wherein the server receives the performance information submitted by the card-issuing party within the expiration date of the performance, otherwise the processor determines that the electronic voucher is invalid, canceling The state of the funds is frozen.

[0011] The method for setting an electronic voucher performance, wherein the electronic voucher request information further includes performance information, and the performance information is used to verify a performance of feedback received by the recipient. [0012] According to a second aspect of the present invention, the present invention further provides a setting system for an electronic voucher performance, comprising:

[0013] a data requesting end, configured to send the request information and the performance setting information;

[0014] The data processing end is configured to receive the certificate request information and the performance setting information, and set up the electronic certificate according to the certificate request information and the performance setting information.

[0015] The setting system of the electronic voucher performance is effective, wherein the data processing end comprises:

[0016] a receiving module, configured to receive the certificate request information and the performance setting information, and receive the performance information after the electronic certificate is established;

[0017] a determining module, configured to determine whether the performance setting information is correct;

[0018] The execution module, if the performance is valid, the electronic certificate is established according to the performance setting information.

[0019] The electronic voucher performance setting system further includes:

[0020] The cancellation module is configured to determine that the electronic certificate is invalid when the receiving module does not receive the performance information within the expiration date of the electronic voucher performance.

[0021] According to a third aspect of the present invention, the present invention further provides a method for setting an electronic voucher performance, including:

[0022] The first server receives the certificate request information that is sent by the first terminal and includes the request information and the performance setting information;

[0023] The first server determines whether the performance setting information is correct, and if yes, generates an electronic certificate corresponding to the performance.

[0024] The setting method of the electronic voucher performance invalidation, wherein the second terminal and the second server are further included; [0025] the authentication request information is sent by the second terminal to the first server via the second server And being sent by the first server to the first terminal for confirmation, after the first terminal confirms, sending the request information to the first server.

[0026] The method for setting an electronic voucher performance, wherein the electronic voucher is invalid if the first server does not receive the preset performance information within the performance expiration date .

[0027] The method for setting an electronic voucher performance, wherein the first server needs to receive the performance information submitted by the second server within a validity period of the performance validity period. .

[0028] The beneficial effects of the present invention are that by setting the performance of the electronic voucher, the effective circulation of funds is provided, and the mutual control of the interests of both parties is convenient and the correct control of the two parties in terms of capital circulation is facilitated. Promoting the electronic voucher receiving party to perform the contract, making the use of electronic voucher more flexible, greatly improving the application space of financial payment tools.

BRIEF DESCRIPTION OF THE DRAWINGS

1 is a flowchart of an embodiment of a method for setting an electronic voucher performance according to the present invention;

2 is a schematic block diagram of a system embodiment of an electronic voucher performance setting according to the present invention;

3 is a flow chart of another embodiment of a method for setting an electronic voucher performance according to the present invention.

DETAILED DESCRIPTION

[0034] The present application will be further described in detail below with reference to the accompanying drawings.

[0035] The electronic voucher refers to an electronic credit commitment payment voucher that the bank freezes funds according to the application of the witnesses or uses the credit line and is established in the name of the bank, and promises to settle according to the agreed conditions.

[0036] Performance period: The performance period is the time limit for the recipient to submit performance information (such as delivery information, receipt information). If the application is not submitted within the time limit, the electronic certificate will be invalid.

[0037] Embodiment 1:

[0038] Please refer to FIG. 1, the embodiment is applied in the process of e-vouching of the electronic voucher, and is applied to the prosecution period. The invention provides a method for setting an electronic voucher performance period, comprising the steps of:

[0039] Sl, the client sends the request request information and the performance setting information.

[0040] Specifically, the client is an electronic voucher originating terminal, and the client may be a mobile terminal, a PC connected to the Internet such as a computer, or a teller machine of the bank. The witnesses send out the request information and the performance setting information to the back-end server of the bank through the client. The request information includes the identity information of the witness and the payment account information. It may also include information specifying the recipient, such as the name of the recipient, mobile phone, email address, ID card, micro-signal, QQ number, etc., information corresponding to the recipient, the recipient's account number (deposit account number), etc. It is convenient for the recipient and the e-voucher to receive. Of course, the customer may also not specify the recipient information so that anyone who obtains the electronic voucher information can receive the electronic certificate. The user can log in to the website of the bank or download the corresponding APP through the client, and send the request information to the backend server of the bank.

[0041] Further, the electronic voucher standing information further includes performance information, wherein the performance information is used to verify whether the recipient has performed the performance according to the performance condition. The performance-relevant setting information is the time limit for the certificate-issuing party to complete the performance of the contract, and the certificate-issuing party shall pre-establish the performance of the contract within the time limit for performance limitation. If the performance is fulfilled and the performance information completed on behalf of the performance is sent to the server, it is determined that the recipient has fulfilled the contract and the electronic certificate enters the next stage of the liquidation period. If the server does not receive the performance information within the performance period, it determines that the electronic certificate is invalid.

[0042] Preferably, the modified form of the electronic voucher performance can be divided into two types: an absolute validity period and a relative validity period. The absolute validity period refers to an expiration date of the electronic voucher performance expiration date. For example, the performance period expiration date is a certain year/month/some day. The relative validity period means that the performance of the electronic voucher is valid within one day after the expiration. For example, if the performance period is within 15 days from the date of the certificate, the card issuer will complete the performance within 15 days after the expiration. Information, otherwise, the electronic voucher will be invalid if the contract is not fulfilled on the 15th day after the certificate is exceeded.

[0043] S2. The server receives the electronic credential request information and the performance setting information sent by the client.

[0044] wherein, the server is a background server of the bank.

[0045] S3. The server determines whether the performance setting information is correct.

[0046] Specifically, the server reads the performance setting information, determines whether the expiration date of the performance invalidation is after the verification certificate, and if after the decertification date, the performance setting information is correct, and proceeds to step S4. If the performance setting is incorrect, return to step S1 and the client resets the performance.

[0047] Further, this step may further include:

[0048] determining whether the request information is correct, firstly, the server verifies whether the applicant is authentic and valid, that is, whether the real-name authentication is performed; secondly, determining whether the applicant has a bad credit record. If the applicant is not true and valid, that is, it is not a real-name system, or the applicant has a bad credit record, the request information is incorrect, the verification failure message is sent and the client is prompted to reset; If the applicant is a real-name system and the applicant has no bad credit record, the request information is correct, and the process proceeds to step S3. Of course, it is also possible to verify whether the witnesses have account-seeking information in the bank, but the verification is for the internal statistics of the bank, and is not a condition for determining whether the information is correct, that is, the witness is not required to be in the bank. There is a account number.

[0049] S4. The electronic certificate is established according to the performance setting information.

[0050] The server end freezes the information corresponding to the funds or the credit information of the payment account according to the request information and the payment account submitted by the client, and establishes an electronic certificate, and the electronic certificate is in the witness, the certificate, the bank, and the bank. It will take effect between the two. The payment account may be a debit card or a credit card.

[0051] Embodiment 2: [0052] Based on the description of the foregoing embodiment, the embodiment further provides a system for setting an electronic voucher performance, as shown in FIG. 2, including:

[0053] The data requesting end 10 is configured to send the certificate request information and the performance setting information;

[0054] The data processing terminal 20 is configured to receive the certificate request information and the performance setting information, and set up the electronic certificate according to the certificate request information and the performance setting information.

[0055] Further, the data processing terminal 20 further includes:

[0056] The receiving module 21 is configured to receive the certificate request information and the performance setting information.

[0057] The signature request information includes identity information and payment account information of the witness; the certificate request information further includes preset performance information, and the performance information is used to verify whether the performance has been performed according to the performance condition.

[0058] The determining module 22 is configured to determine whether the performance information is correct.

[0059] The determining module 22 is further configured to determine whether the request information is correct.

[0060] The executing module 23 is configured to establish an electronic voucher according to the performance setting information.

[0061] Further, the data processing terminal 20 further includes:

[0062] The logout module 240 is configured to determine that the electronic certificate fails after the data processing terminal 20 does not receive the performance information within the performance period.

[0063] Embodiment 3

[0064] Based on the description of the above embodiments, the present invention also provides another method for setting the validity of an electronic voucher performance.

This embodiment is an improvement to the first embodiment. As shown in FIG. 3, the method includes:

[0065] S10. The first server receives the receipt request information sent by the second server.

[0066] Specifically, the first server receives the receipt request information sent by the first terminal, where the receipt request information is sent by the second terminal to the second server, and then sent by the second server to the first server.

[0067] In this step, the first terminal is the originating end of the electronic voucher, the second terminal is the electronic voucher receiving end, the first server is the electronic voucher issuing bank background server, and the second server is the electronic voucher receiving bank background server. Specifically, the electronic voucher receiver actively sends an electronic voucher receiving request information to the bank backend server designated by the electronic voucher, that is, actively sends the receiving request information to the second server. The second server receives the receipt request information and sends it to the first server.

[0068] Further, the receipt request information includes the certification request information and the performance setting information. The request information includes the identity information of the witness and the corresponding payment account, and the identity information of the recipient. [0069] The performance-relevant setting information is a deadline for the certificate-issuing party to complete the performance, and the certificate-receiving party performs the performance according to the pre-established performance content, and transmits the corresponding If the performance information is sent to the server, the performance is completed. If the server does not receive the performance information within the performance period, it determines that the electronic certificate is invalid.

[0070] S20. After receiving the receipt request information, the first server generates corresponding pre-certification verification information and sends the information to the first terminal.

[0071] Specifically, after receiving the receipt request information, the first server reads the certificate request information and the performance setting information, and generates pre-certification verification information. The first server sends the pre-certification verification information to the first terminal.

[0072] After receiving the pre-certification verification information, the first terminal reads the certificate request information and the performance invalidation information for confirmation, generates pre-certification information after the confirmation, and sends the pre-certification information. The information is sent to the first server.

[0073] Further, the first terminal may further modify the certificate request information or the performance invalidation information in the pre-certification verification information, and send the modified pre-certification information to the first server.

[0074] S30. The first server receives the pre-certification information sent by the first terminal.

[0075] S40. The first server determines whether the performance response setting information is correct.

[0076] Specifically, in this step, determining whether the performance-response setting information is correct is mainly determined according to a preset range of the electronic certificate performance period set by the first server, and if the performance is within the set range Then, it is determined that the performance is valid, and the process proceeds to step S40. If the repair performance is not within the set range, it is determined that the performance is invalid, and the process returns to step S10 and is reset by the second terminal. For example, if the pre-determined period of validity is not more than one month, if the period of validity of the performance period is within one month, the performance of the performance period is correct, and vice versa. It also includes whether the deadline for performance of the performance is valid. After the date, if the performance of the performance is correct after the date of the certificate.

[0077] S50. The first server generates a corresponding electronic voucher according to the performance setting information.

[0078] The first server freezes the funds corresponding to the payment account or the credit information according to the request information in the pre-certification information, and sets up the electronic voucher according to the performance setting information, and the electronic voucher is in the witness Witnesses, as well as between the bank and the issuing bank, will take effect. The payment account may be a debit card or a credit card. [0079] This embodiment differs from the first embodiment in that, in this embodiment, the electronic voucher is initiated by the second terminal, and is initiated by the certificate receiving party, and sent to the first server by the second server, that is, the certificate is received. The line is sent to the bank, and then the first terminal confirms the request information, that is, the witness confirms, and then the first server establishes the electronic certificate according to the performance setting information.

[0080] In this embodiment, the certificate receiving party needs to complete the performance content within the performance expiration date, and sends the corresponding performance information that proves the completion of the performance content to the second server, and the second server sends the performance information to the first server. In this way, as long as the first server receives the performance information within the performance period, the performance is completed.

[0081] The beneficial effects of the present invention are that, by setting the performance of the electronic voucher, the effective circulation of funds is provided, and the mutual benefit of the two parties is facilitated, and the correct control of the funds in the circulation is facilitated. The vouchers are subject to compliance, which makes the use of electronic vouchers more flexible and greatly increases the application space of financial payment instruments.

The invention has been described above with reference to specific examples, which are intended to be illustrative of the invention and are not intended to limit the invention. Variations to the above specific embodiments may be made by those skilled in the art in light of the teachings of the present invention.

technical problem

Problem solution

Advantageous effects of the invention

Claims

Claim

[Claim 1] A method for setting an electronic voucher performance, characterized in that it comprises:

The client sends the electronic certificate certificate request information and the performance setting information;

The server receives the electronic voucher request information and the performance setting information sent by the client. The server determines whether the performance setting is correct. If it is correct, the electronic certificate is established according to the performance setting information.

[Claim 2] The method for setting an electronic voucher performance according to claim 1, wherein the service end receives the performance information submitted by the card issuer within the performance expiration date of the electronic voucher

Otherwise, the electronic voucher will be invalidated and the frozen state of the funds will be released.

[Claim 3] The method for setting an electronic voucher performance according to claim 1 or 2, wherein the electronic voucher request request information further includes performance information, and the performance information is used for verifying the receipt Party's feedback on the implementation of the content.

[Claim 4] A system for setting an electronic voucher performance, comprising:

The data requesting end is configured to send the request information and the performance setting information; the data processing end is configured to receive the request information and the performance setting information, and according to the request information and the performance setting Information stands for electronic voucher.

[Claim 5] The system for setting an electronic voucher performance according to claim 4, wherein the data processing end comprises:

a receiving module, configured to receive the certificate request information and the performance setting information, and receive the performance information after the electronic certificate is established;

The judging module is configured to judge whether the performance setting information of the performance is correct; and the execution module, if the performance is valid, the electronic credential is established according to the performance setting information.

[Claim 6] The system for setting an electronic voucher performance according to claim 4, further comprising:

The cancellation module is configured to determine that the electronic certificate is invalid when the receiving module does not receive the performance information within the expiration date of the electronic voucher performance.

[Claim 7] A method for setting an electronic voucher performance, characterized in that it comprises:

The first server receives the pre-certification information sent by the first terminal and includes the request information and the performance setting information;

The first server determines whether the performance setting information is correct. If it is correct, the electronic certificate corresponding to the performance is generated according to the pre-certification information.

[Claim 8] The method for setting an electronic voucher performance according to claim 6, further comprising a second terminal and a second server;

The request information is sent by the second terminal to the first server via the second server, and then sent by the first server to the first terminal for confirmation. After the first terminal confirms, the request information is sent to the first server.

[Claim 9] The method for setting an electronic voucher performance according to claim 8, wherein if the first server does not receive the preset performance information within the performance period, Then the electronic voucher is invalid.

[Claim 10] The method for setting an electronic voucher performance according to claim 8, wherein the first server needs to receive the performance information submitted by the second server within a validity period of the performance validity period. .