WO2017012030A1 - 开立电子凭证的方法、系统和装置 - Google Patents

开立电子凭证的方法、系统和装置 Download PDF

Info

Publication number
WO2017012030A1
WO2017012030A1 PCT/CN2015/084599 CN2015084599W WO2017012030A1 WO 2017012030 A1 WO2017012030 A1 WO 2017012030A1 CN 2015084599 W CN2015084599 W CN 2015084599W WO 2017012030 A1 WO2017012030 A1 WO 2017012030A1
Authority
WO
WIPO (PCT)
Prior art keywords
certificate
information
request
module
electronic voucher
Prior art date
Application number
PCT/CN2015/084599
Other languages
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.)
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 CN201580012865.2A priority Critical patent/CN106104606A/zh
Priority to CA2994876A priority patent/CA2994876C/en
Priority to PCT/CN2015/084599 priority patent/WO2017012030A1/zh
Publication of WO2017012030A1 publication Critical patent/WO2017012030A1/zh

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials

Definitions

  • the present application relates to the field of electronic commerce, and in particular, to a method, system and device for establishing an electronic voucher [0002]
  • E-commerce uses the Internet platform to connect all parties involved in traditional business activities, including buyers, sellers, logistics companies, financial institutions, etc., by networking, electronic, and informatizing the entire transaction process. The cost of the transaction and the efficiency of the transaction.
  • This application discloses a method for establishing an electronic voucher, comprising the following steps:
  • the first participating direction electronic voucher management server submits the request for the certificate, and specifies the fund account in the request for the certificate, and proposes the amount of the certificate; the electronic certificate management server generates the preliminary certificate according to the request for the certificate and sends the information to the first participation. Party; after the first party receives the information, set the settlement conditions; electronic certificate management The server freezes the funds or grants the credit according to the payment conditions set by the first party and the amount of the certificate in the request, generates an electronic certificate, and sends the electronic certificate to the first party.
  • the present application also discloses another method for establishing an electronic voucher, including the following steps:
  • the electronic voucher management server receives the first party's request for the certificate, and generates the preliminary certificate information according to the request for confirmation and sends the information to the first party; after the first party receives the card information, the setting condition is set.
  • the electronic voucher management server freezes the funds or grants the credit according to the payment conditions set by the first party and the amount of the certificate in the request, generates an electronic voucher, and sends the electronic voucher to the first party.
  • the electronic voucher management server before the electronic voucher management server generates the preliminary information according to the request for confirmation, the electronic voucher management server further determines whether the request for the certificate meets the requirements of the certificate, and rejects the application if the certificate is not met. , the end of the testimony; the match generates the information of the preliminary testimony.
  • the electronic voucher management server determines whether the certification request meets the requirements of the certification, including but not limited to the identity of the first participant and/or the verification of the designated fund account.
  • the present application also discloses another method for establishing an electronic voucher, including the following steps:
  • the first participating direction electronic voucher management server submits the request for the certificate, specifies the fund account in the request for the certificate, proposes the amount of the certificate, and sets the settlement condition; the electronic certificate management server determines whether the request for the certificate meets the requirements of the certificate If the application is not met, the application will be rejected, and the certificate will be terminated. If the agreement is met, the funds will be frozen or the credit will be issued according to the payment conditions and the amount of the certificate, and the electronic certificate will be generated and the electronic certificate will be sent to the first party.
  • the electronic voucher management server determines whether the certification request meets the requirements of the certification, including but not limited to the verification of the first participant identity and/or the designated fund account.
  • the witness can set the settlement condition according to his or her own preference or different consumption environment.
  • the specific payment conditions it can be proposed in the request for the certificate, or After the certificate request is filed, it is set before the electronic voucher is generated; it can be handled flexibly, and is not specifically limited herein.
  • the first participation direction electronic voucher management server submits the request for the certificate to be performed by using various communication methods, such as a voice call, a short message, a webpage, or a smart phone application APP, and is not specifically limited herein.
  • the first participant requests the terminal to submit a request for authentication to the electronic voucher management server, wherein the requesting terminal may be a webpage or may be The smartphone application APP is not specifically limited here.
  • Another aspect of the present application discloses a system for establishing an electronic voucher, the system comprising a requesting terminal and an electronic voucher management server; and the requesting terminal is configured to collect the request information of the first participant, Transmitting the request information to the electronic voucher management server, where the request information includes, but is not limited to, at least one of the first party identity information, the first party contact method, the designated fund account, the amount of the certificate, and the payment condition
  • An electronic voucher management server includes a witness information management module, a certificate request determination module, an electronic certificate generation module, and a solution module; the witness information management module receives and stores the information of the request terminal, and transmits the information to the file.
  • the certificate request judgment module gives an instruction to permit the test or the rejection by judging the request for the test, and the rejected instruction directly feeds back to the request terminal, and the first participant refills the request information. , or directly end the shackle, allowing the smuggling instructions to be sent to the electronic voucher
  • the electronic voucher generating module generates an electronic voucher according to the data in the witness information management module, and sends the electronic voucher of the electronic voucher to the first participant, and simultaneously stores the payment condition to the solution module.
  • the settlement module performs fund settlement in the case where the settlement condition is fulfilled, or invalid electronic certificate if the settlement condition is not fulfilled
  • the electronic voucher system further includes a certificate requesting terminal, wherein the certificate requesting terminal is configured to collect the recipient information, the performance information, and the receipt information, and transmit the recipient information, the performance information, and the receipt information to the The settlement module, the settlement module determines the recipient information, the performance information and the receipt information according to the settlement condition, and if the condition is met, the funds are disbursed, and if the condition is not met, the collection certificate request is rejected, and the rejection information is sent to the collection request terminal. , let the recipient re-fill the recipient information, performance information and receipt information, or directly terminate the receipt after the rejection, the electronic certificate is invalid.
  • the recipient information, the performance information, and the receipt information transmission may be separately transmitted in different periods, for example, in the settlement condition, setting the collection period, the performance period, and the application cancellation period, and controlling each period If the electronic voucher expires after the expiration date, the recipient will fill in the relevant information once the corresponding action is completed. If the information is correct, the next information can be filled out. It should be noted that, in view of the fact that the recipient may fill in the information such as the recipient information, the performance information and the receipt information, the filling may be incorrect. Therefore, if the completed content does not meet the payment conditions, the application may be rejected.
  • the witness refills; however, there is a time limit or number of restrictions in the settlement condition ⁇ , the recipient cannot continue to re-fill, the payment module or directly freeze or invalidate the electronic certificate, even if the certificate is overdue, the recipient may not be able to log in to the certificate request interface module, which can be based on specific usage requirements.
  • the definition is not specifically limited herein.
  • Another aspect of the present application discloses an apparatus for establishing an electronic voucher, comprising a certificate issuing and receiving request module, and an electronic voucher management server; wherein the certificate issuing and receiving request module is configured to collect the request information of the certificate Or the certificate requesting information, the certificate and the certificate requesting module further comprise a signal modulation module, configured to modulate the certificate request information or the certificate request information into a transmission signal and send the signal to the electronic certificate management server; the request information includes but not only The at least one of the first party identity information, the first party contact method, the designated fund account, and the payment condition is included; the certificate request information includes but is not limited to at least one of the recipient information, the performance information, and the receipt information;
  • the electronic voucher management server comprises a signal demodulation module, a witness information management module, a certificate request judgment module, an electronic certificate generation module and a solution module; the signal demodulation module will receive the signal solution from the certificate and the certificate request module.
  • the information is sent to the certificate and collection request module, allowing the recipient to re-fill the receipt request information, or to end Cards, electronic vouchers failure.
  • the present application also discloses another device for establishing an electronic voucher, including an electronic voucher management server; the electronic voucher management server includes a signal demodulation module, a witness information management module, a certificate request determination module, and an electronic voucher generation a module and a solution module; the signal demodulation module demodulates the received certificate request information or the certificate request information into a language recognizable by the electronic certificate management server, and instructs the electronic certificate management server to perform the certificate processing or the receipt processing; After the certificate is processed, the request information is stored in the witness information.
  • the management module transmits the certificate information to the certificate request judgment module; the certificate processing includes transmitting the certificate information to the solution module; the certificate request judgment module gives the permission certificate by judging the request for the certificate or The rejected instruction directly returns the instruction to the first party, allowing the first party to re-fill the certificate request information, or directly ending the certificate, allowing the certificate to be sent to the electronic certificate generation module; the electronic certificate generation module receiving After generating the instruction, the electronic voucher is generated according to the data in the witness information management module, and the electronic voucher is sent to the witness, and the settlement condition is stored in the solution module; the solution module requests the receipt information according to the settlement condition If the conditions are met, the funds will be disbursed. If the conditions are not met, the request for recovery will be rejected, and the dismissal information will be returned to the recipient, and the consignee will re-fill the information of the receipt or end the receipt. The e-voucher will be invalid.
  • the first participant can customize the payment condition, which not only has a better experience of use; but also the customized payment condition can better protect the rights and interests of the witness. Better enjoy the private customized service, improve the user experience, and enrich the payment form of modern e-commerce.
  • FIG. 1 is a flowchart of a method for establishing an electronic voucher in an embodiment of the present application
  • FIG. 3 is a structural block diagram of an electronic voucher system in the embodiment of the present application.
  • FIG. 4 is a structural block diagram of a stand-alone electronic voucher device in the embodiment of the present application.
  • the key to the electronic voucher standing method of the present application is that the witness can set the payment condition according to his own preferences and different trading environments; wherein, the witness can be a buyer, that is, the electronic voucher can be in the transaction. After the occurrence of the transaction or the transaction occurs, it may also be that before the transaction occurs, the witnesses set the settlement conditions according to the planned transaction.
  • the witness in addition to the determination of the authenticity of the witness, the witness also determines the right to control the designated fund account, for example, the identity of the witness can pass the identity card, mobile phone number, etc.
  • the determination of the control rights of the designated fund account may be performed by the mobile phone number reserved by the fund account, and the dynamic verification code verification may be performed, and is not specifically limited herein.
  • the basic information of the witnesses or the recipients may be used to interface with the bank's credit system, and the witnesses or the recipients shall be graded, etc., and are not specifically limited herein.
  • the electronic voucher mentioned is an electronic voucher for fund payment, which is based on the core principles of the international letter of credit, and combines a plurality of financial products such as a bank draft, a letter of guarantee, a bank acceptance bill, an electronic letter of credit, and the like.
  • the advantages, combined with Internet technology, fully adapt to and meet the needs of the Internet economy, the new financial tools, with a wide range of cross-platform, cross-bank, all-field, full-field applications.
  • the electronic voucher refers to a witness, such as a buyer, who has established a bank account fund or a credit line as a guarantee.
  • the credit line includes a credit card limit or a loan amount, and the bank promises to settle the payment and settlement according to the payment conditions.
  • An Internet-based innovative financial instrument that is financed by bank credit commitments.
  • the electronic voucher is mainly for the buyer's product.
  • the seller downloads the cashier access interface, the buyer completes the e-voucher certificate, the seller completes the certificate and performs the contract, and applies for the settlement.
  • the electronic voucher settlement condition is automatically solved.
  • 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 loan to others.
  • the electronic voucher is an e-credit commitment that is based on the witness's request for evidence to prove the applicant's funds or credits as a basis for carrying the credits of the bank to store the changes in a digital form. Payment voucher.
  • the first participant is a witness
  • the electronic certificate management server determines whether the request for the certificate meets the requirements of the certificate, wherein the request for the certificate can be set according to different situations, for example, Judging whether the identity of the witness is true, whether the fund account designated by the witness is correct, whether the amount in the fund account or the amount of the credit can satisfy the amount of the certificate, etc., is not specifically limited herein. If the identity of the witness is not met, that is, if the identity of the witness is suspected, or the designated fund account is incorrect, or the amount in the fund account is insufficient, the card is terminated, or the first party is given feedback, and the amendment is not made here. Specifically limited.
  • the first party that is, the witness
  • the entire erection and use process of the electronic voucher of the present application is exemplified by the case where the transaction parties form an order, and the electronic voucher is divided into six cycles, including the shackle period, the certificate period, the performance period, and the receipt. Period, settlement period and liquidation period.
  • the first party submits a request for a certificate to the bank.
  • the bank can be an electronic certificate management server. It may be a physical bank in the traditional sense, and the physical bank can operate or communicate with the electronic voucher management server to perform a certificate operation; if the bank is an electronic voucher management server, in a system of the present application, a witness can pass The certificate requesting terminal communicates with the electronic voucher management server to perform a certificate operation.
  • the electronic voucher is established and the amount recorded in the electronic voucher is processed in the account of the witness.
  • the reservation processing is generally understood as freezing funds or credits.
  • the common form of credit is credit card or loan. It should be noted that the freezing credit of the department is divided into two situations: one starts from the freezing credit, and the bank starts.
  • the interest is calculated, that is, the witness uses the credit card amount; the other is that the bank receives the amount corresponding to the credit line, and the bank begins to calculate the interest, that is, from the witness’s freezing of the credit to the receipt.
  • the witness uses the credit card amount
  • the bank receives the amount corresponding to the credit line
  • the bank begins to calculate the interest, that is, from the witness’s freezing of the credit to the receipt.
  • the witnesses During the period when the securities bank received the funds, it was considered that the witnesses "have not called the credit line granted by the bank". The above is the period of the certificate.
  • the recipient applies for a certificate from the receiving bank. That is, the period of receipt.
  • the receiving bank here may also be an electronic voucher management server, or a physical bank in the traditional sense, and the physical bank can operate or communicate with the electronic voucher management server to perform the receiving operation; if the receiving bank is The electronic voucher management server, in a system of the present application, the recipient can communicate with the electronic voucher management server through the certificate requesting terminal to perform the certificate receiving operation.
  • the receiving bank and the bank can be the same bank or different banks. As long as they can communicate with the electronic voucher management server separately, they can confirm the certificate and the certificate.
  • 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. [0051] 6.
  • the receiving bank obtains the performance information, changes the status of the silver letter, enters the signing period of the electronic voucher, waits for the delivery of the goods, and signs the goods, that is, the signing period.
  • the funds for the witness account are frozen, and the funds are transferred to the collection bank, and the collection bank transfers the funds to the collection account designated by the recipient.
  • the collection account is also known as the collection account, which is the liquidation period.
  • the electronic voucher is invalid.
  • the time limit for receipt It is the time limit for the certificate applicant to apply for the certificate. If the certificate is not received within the time limit, the electronic certificate will be invalid. After the receipt of the certificate, the electronic certificate enters the performance period.
  • the performance period is the time limit for the recipient to submit the performance information, such as the deadline for submitting the delivery information, and the electronic certificate is invalid if the delivery is not submitted. After the recipient submits the performance information, the electronic voucher enters the signing period.
  • the time limit for applying for payment is actually the collection period, because the application for settlement requires the witness to sign the goods, and then the recipient submits the receipt information to apply for settlement, and the application for cancellation is not submitted after the deadline. If the witness signs the receipt of the goods, the electronic certificate will be invalid. After the recipient applies for payment, the electronic certificate enters the settlement period.
  • the above is an operation mode of an electronic voucher of this example.
  • 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 successfully completed
  • the customer accepts the certificate and applies for the settlement. .
  • Embodiment 1 This example describes in detail the method of the electronic voucher, as shown in Figure 1, as follows:
  • Step 1 S11 The first party, that is, the witness, such as the buyer, submits a request for a certificate to the electronic certificate management server, and specifies a fund account in the request for the certificate, and proposes the amount of the certificate.
  • Step 2 S12: The electronic voucher management server receives the request for authentication.
  • Step 3 S13: The electronic voucher management server determines whether the request for the certificate meets the requirements of the certificate, and if the object does not comply, the application is rejected, and the certificate is terminated; if the certificate is met, the electronic certificate management server calls the data in the buyer account to obtain funds or credit. The information is determined whether the credit is sufficient. If sufficient, step S141 is performed. Otherwise, the feedback result is sent to the witness, the request for re-certification is reset, or the verification process S140 is ended.
  • the electronic voucher management server needs to verify the account number or identity of the witness.
  • the verification of the office may have the following situations:
  • the first verification situation refers to whether the verification witness has the account information at the designated bank
  • the second verification case refers to whether the applicant is For the real and effective, that is, real-name authentication, the witness is not required to have a account number at the designated bank.
  • the third verification case is to determine whether the applicant has a bad credit record and is a whitelist user. Still blacklisted users. Specific verification, including the identity of the witness and account verification, is achieved by mobile phone dynamic code.
  • determining whether the request for a certificate of compliance meets the requirements of the certificate including but not limited to the judgment of the identity of the witness, the judgment of the designated fund account, whether the amount in the fund account satisfies the judgment of the amount of the certificate, etc., it is understood that only If the above judgments are all true or true, the card can be issued. In addition, for some special cases, more requirements for the certificate can be set, and no specific limitation is made here.
  • the place can also specify the recipient, and verify whether the identity of the recipient meets the requirements for the collection, and the criteria are: the credit rating of the recipient, whether the receiving bank exists objectively, the receiving bank Whether it has a business of receiving certificates, etc.
  • the location information of the witness is not necessarily used for comparison, and the account of another person may also be used for verification. It should also be understood that the comparison of the balance of funds in this place is based on whether the total amount of the account in the account satisfies the amount of the amount of the certificate. For example, if the amount of funds in the account is insufficient, or if the amount of credit used is insufficient, it cannot be proved.
  • Step 4 S141: The electronic voucher management server generates the preliminary authentication information according to the authentication request and sends the information to the first participant. It can be understood that the information about the evidence mentioned in the section may include the amount of the card, the account number, etc.
  • Step 5 S15: After receiving the preliminary information, the witnesses configure the payment conditions of the electronic voucher according to their own preferences or specific transaction requirements, such as the configuration rules, and the specific delivery. Conditions and other elements.
  • Step 6 The electronic voucher management server receives the payment condition configured by the witness, and freezes the debit card fund or the credit card credit with the settlement condition information, generates an electronic voucher, and sends the electronic voucher to the first participant, that is, Defamation witness.
  • the location may also increase the request for the witness to confirm whether the certificate is obtained, such as requesting the input of the withdrawal password.
  • the step of configuring the payment condition of the electronic voucher in the system may be completed in the witness client configuration, and it is easy to think of the same, and the step of dissolving the configuration condition may be followed by the judgment witness.
  • the request for the certificate is in compliance with the requirements of the certificate.
  • the location of the configuration settlement condition can be flexibly set according to specific needs, and it is only necessary to ensure that the configuration of the settlement condition is completed before the electronic voucher is ejected.
  • the witnesses set up an electronic voucher to set the conditions for settlement, which is conducive to fulfilling the requirements of the subscription.
  • Peer-to-peer can also encourage sellers to deliver goods or services better and better. For example, the user sets the time limit for the receipt of the electronic voucher, the duration of the performance, and the time limit for applying for the payment, thereby urging the seller to collect the goods, deliver the goods or provide the service, thereby shortening the waiting time of the buyer during the transaction.
  • the seller can be better urged to complete the delivery that should be undertaken according to the buyer's needs, how to collect the certificate, what is the distribution, and why should apply for the payment, etc., that is, Customize the delivery conditions of the electronic voucher to promote the seller's delivery schedule, realize the "private order", and also prevent the seller from obtaining funds after failing to fulfill the transaction as required, ensuring the buyer's funds security.
  • the witness first fills in all the information required for the certificate, that is, in step S21, when the request for the certificate is generated, The identity of the first party, the designated fund account, the amount of the certificate and the conditions for payment are filled out in the certificate request. Then, in step S22, the electronic voucher management server receives the request for authentication. Step 3: S23, the electronic voucher management server determines whether the request for confirmation of the certificate meets the requirements of the certificate, and if the case does not comply, the application is rejected, and the certificate is terminated; if yes, then step S241 is performed directly.
  • the electronic voucher management server determines whether the request for the certificate meets the requirements of the certificate, and also includes the identity verification of the witness, the verification of the designated fund account, whether the fund account satisfies the verification of the amount of the certificate, and the like. Certificate, otherwise you can't prove it.
  • the system for establishing an electronic voucher in this example includes a certificate requesting terminal 31 and an electronic voucher management server 32, and the certificate requesting terminal 31 is configured to collect the request information and to request the certificate.
  • the information is transmitted to the electronic voucher management server 32 through the network, and the authentication request information includes, but is not limited to, at least one of the first party identity information, the first party contact method, the designated fund account, the amount of the certificate, and the payment condition.
  • the first party identity information, the first party contact method, the designated fund account, the amount of the certificate, and the payment condition may be filled in to the request terminal at one time, or may be determined according to the request of the certificate requesting module.
  • the information is gradually filled in to the request terminal of the certificate, and transmitted to the witness information management module one by one.
  • the witness may first fill in the first participant identity information, the first participant contact information, the designated fund account, etc. in the authentication request interface module, and the confirmation request determination module determines to be no, and then feeds back to the authentication request terminal.
  • the request confirmation module determines whether the specified fund account amount or the credit is satisfied. If the amount is satisfied, the amount of the certificate will be fed back to the request terminal of the card, and the witness will continue to fill in the payment conditions. Otherwise, the witness will re-fill the amount of the certificate; these can be set according to different usage requirements.
  • the electronic voucher management server 32 of the present example includes a witness information management module 321, a certificate request determination module 322, an electronic certificate generation module 323, and a solution module 324.
  • the witness information management module 321 receives and stores the certificate request terminal 31. The information is transmitted to the authentication request judging module 322. Therefore, the authentication request terminal 31 and the witness information management module 321 of the electronic credential management server 32 are signal-connected; the authentication request judging module 322 passes the confrontation. After the request is judged, an instruction for permitting or dismissing is given, and the rejected instruction is directly fed back to the requesting terminal 31 for the first party to re-fill the request information, and the instruction for permitting the certificate is sent to the electronic voucher generating module.
  • the electronic voucher generating module 323 After receiving the generated instruction, the electronic voucher generating module 323 generates an electronic voucher according to the data in the witness information management module, and sends the electronic voucher
  • the first participant is sent to the first party, and the settlement condition is stored in the settlement module 324, and the settlement module 324 performs the fund settlement in the case that the settlement condition is fulfilled, or the invalid electronic certificate if the settlement condition is not fulfilled. .
  • the witness first fills in the witness identification information, the witness contact information, and the designated fund account in the request terminal, and can verify the mobile phone dynamic code and the basic identity of the witness.
  • the information is judged, such as name, ID number, etc., and the designated fund account password, etc., and the judgment is yes, and the feedback is sent to the requesting terminal, so that the witness can continue to fill in the amount of the certificate, otherwise the judgment is no, then the request is sent back to the card.
  • the terminal allows the witness to fill in the correct identity information or dynamic verification code of the witness.
  • the request for judgment module calls the information of the designated fund account to determine the amount of the certificate, if the amount of the fund account is specified or If the credit is used to satisfy the amount of the certificate, the judgment is yes.
  • the information of the preliminary certificate is fed back to the request terminal of the card, and the witness is allowed to set the settlement condition according to personal preference or request. Otherwise, the witness is allowed to re-fill the amount of the certificate. It can be understood that if the balance of the fund account designated by the witness is insufficient or the credit is insufficient, it is of course impossible to obtain the certificate.
  • the amount of the certificate is less than or equal to the amount of the designated fund account or the credit is used. If a certain amount of protection is required, It may also be determined after the deduction of the amount of the debenture, the amount of the fund account or the amount of credit remaining, and is not specifically limited herein.
  • the system for arranging the electronic voucher also considers the case of the receipt. Therefore, the system further includes a receipt request terminal 33, and the collection request terminal 33 is configured to collect the information of the recipient and perform the contract.
  • the information and the receipt information are transmitted to the settlement module 324, and the collection request terminal 33 and the settlement module 324 of the electronic certificate management server 32 are connected by signals, and the cancellation module is based on the information.
  • the settlement conditions determine the recipient information, the performance information and the receipt information. If the conditions are met, the funds are disbursed. If the conditions are not met, the collection certificate is rejected, and the rejection information is sent to the collection request terminal, and the recipient is re-filled the recipient.
  • the information, performance information and receipt information, or the rejection of the receipt directly after the rejection, the electronic certificate is invalid.
  • the time limit for collection, the period of performance, and the time limit for settlement are set in the settlement condition, and the certificate is required to complete the collection, performance, and receipt of the receipt information within the specified time limit. That is to say, after the recipient completes the corresponding action within the specified time limit, a corresponding information needs to be filled in. For example, after the order or contract is signed, the recipient must fill in the order or the order in the receiving request terminal. Contractual Relevant information, for receiving the certificate, the receiving requesting terminal sends the relevant information to the dispatching module, and the solving module determines whether the information meets the requirements according to the preset time of receipt and other requirements, and if it meets the requirements, it enters the next link and waits for performance.
  • the information does not meet the requirements, such as the order or the contract does not match, it can be dismissed, let the recipient re-fill the correct information, or, if the time limit is exceeded, the electronic certificate will be invalid; Fill in the delivery information within the performance period.
  • the settlement module determines that it meets the requirements, it will enter the next step. Otherwise, the correct information or electronic certificate will be re-filled. If the witness receives the goods, the recipient will still receive the goods. The receipt information must be filled out within the time limit for payment, otherwise the electronic certificate will be invalid.
  • the device for establishing an electronic voucher in this example includes a certificate and receipt request module 41, and an electronic certificate management server 42; wherein the certificate and collection request module 41 is configured to collect the certificate
  • the request information or the receipt request information, the verification and collection request module 41 includes a signal modulation module 43 for modulating the request information or the receipt request information into a transmission signal and transmitting the information to the electronic voucher management server 42;
  • the information includes, but is not limited to, at least one of first party identity information, first party contact information, designated fund account, and payment conditions;
  • the receipt request information includes but is not limited to the recipient information, the performance information, and the receipt information.
  • the electronic voucher management server 42 includes a signal demodulation module 44, a witness information management module 421, a certificate request determination module 422, an electronic certificate generation module 423, and a solution module 424;
  • the signal demodulation module 44 will receive the received The signal of the certificate and the receipt request module 41 is demodulated into the certificate request information or the certificate request information, and the electronic certificate management server is instructed 42 performing the certificate processing or the receipt processing; after the card is processed, the request information is stored in the witness information management module 421, and the card information is transmitted to the card request determination module 422;
  • the receiving process includes receiving The certificate information is transmitted to the solution module 424;
  • the certificate request judgment module 422 gives an instruction to permit the certificate or the rejection after judging the request for the certificate, and the rejected instruction directly feeds back to the certificate and the certificate request module 41, so that the first A participant re-fills the certificate request information, and the instruction for permitting the certificate is sent to the electronic certificate generation module 423.
  • the electronic document generation module 423 After receiving the generation instruction, the electronic document generation module 423 generates an electronic certificate according to the data in the witness information management module, and generates the electronic certificate.
  • the peer stores the settlement condition to the settlement module 424; the settlement module 42 4 determines the receipt request information according to the settlement condition, and if the condition is met, the funds are disbursed, and if the condition is not met, Respond to the recovery certificate request, and send the rejection information to the certificate and collection request module, so that the recipient can re-deliver the receipt request information, or end the receipt, and the electronic certificate is invalid.
  • the witnesses enter the identity information, the contact information, the designated fund account, the amount of the securities, and the settlement conditions of the witness in the certificate and the receipt request module;
  • the identity information of the witness, the contact information of the witness, the designated fund account, and the amount of the certificate are comprehensively determined.
  • the judgment includes the judgment of the witness's name and ID card number, including the verification of the mobile phone dynamic verification code, the designated fund account password, etc.
  • the certificate is directly issued, and the instruction is sent to the electronic voucher generation module to generate an electronic voucher, and then the electronic voucher of the electronic voucher is sent to the witness; meanwhile, the payment condition is transmitted and stored in the solution module.
  • the witness will re-fill the correct request information or the correct verification code.
  • the time limit for collection, the period of performance and the time limit for settlement are set in the settlement conditions, and the certificate holder is required to complete the collection, performance and receipt of the receipt within the specified time limit. That is to say, after the recipient completes the corresponding action within the specified time limit, a corresponding information needs to be filled out.
  • the recipient After receiving the certificate, if the recipient completes the corresponding action within the specified time limit, the corresponding information needs to be input in the certificate and the certificate request module, and sent to the electronic certificate management server, and the electronic certificate management server directly sends the information to the solution.
  • Pay module, the settlement module determines that the information meets the requirements, then enters the next step, otherwise the recipient needs to re-fill the correct information, or directly invalidate the electronic certificate.
  • the recipient After an order or contract is signed, the recipient must fill in the relevant information of the order or contract in the collection interface within the time limit of receipt, and send the relevant information to the electronic voucher management server.
  • the electronic voucher management server demodulates the signal through the signal demodulation module, the information is directly sent to the solution module, and the solution module determines whether the information meets the requirements according to the preset time limit for receipt and other requirements, and if it meets the requirements, the next step is entered.
  • Link waiting for performance, does not meet the requirements, such as the information of the order or the contract does not match, it can be rejected, let the recipient re-fill the correct information, or, if the time limit is exceeded, the electronic certificate will be invalid; , the delivery information should be filled in during the performance period.
  • the settlement module determines that the requirements are met, the next step is entered. Otherwise, the correct information or the electronic certificate needs to be re-filled. Otherwise, the witness receives the goods and signs the receipt. The recipient must also fill in the receipt information within the time limit for payment. Otherwise, Child token expires.
  • the electronic voucher management server, and the certificate and the receipt request module are used as a complete device, and the witness directly goes to the bank, and operates through the certificate and the certificate request module.
  • Can reason Solution the electronic voucher management server of this example can be used as a device alone, that is, it can be used alone; and the certificate and certificate request module can also be used as a device alone, and used by the first party, that is, the witness. ;
  • the signal connection between the two can be through various wired or wireless communication methods.
  • the vouchers and receipts request modules have two functions: ⁇ , respectively.
  • the ⁇ and ⁇ Request modules can also be designed as ⁇ Request Module and ⁇ The modules are used as the authentication request terminal device and the certificate requesting terminal device, respectively, and are not specifically limited herein.
  • 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. It will be apparent to those skilled in the art that the present invention can be made in the form of a single deduction or substitution without departing from the scope of the present application.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种开立电子凭证的方法和系统。该方法包括，第一参与方向电子凭证管理服务器提交开证请求(S11)，并在开证请求中指定资金账户，提出开证金额；电子凭证管理服务器根据开证请求生成预备开证信息并发送给第一参与方(S141)；第一参与方收到开证信息后，设置解付条件(S15)；电子凭证管理服务器根据第一参与方设置的解付条件和开证请求中的开证金额冻结资金或支用授信，生成电子凭证(S16)，并将电子凭证发给第一参与方。第一参与方，也就是开证人，可以自定义解付条件，具有更好的使用体验度；且能够更好的保护开证人的权益，更好的享受到私人定制般的服务，改善用户消费体验感的同时，丰富了现代电子商务的支付形态。

Description

幵立电子凭证的方法、 系统和装置 技术领域
[0001] 本申请涉及电子商务领域， 特别是涉及一种幵立电子凭证的方法、 系统和装置 [0002]
[0003] 背景技术
[0004] 电子商务利用 Internet平台将传统商务活动中的参与各方， 包括买家、 卖家、 物 流公司、 金融机构等， 连接在一起， 通过将整个交易过程网络化、 电子化、 信 息化， 减低了交易的成本、 提高了交易效率。
[0005] 但是， 现行的电子商务应用中， 资金的传递主要还是依赖传统的电子直接转账 支付方式和第三方支付方式完成， 支付方式单一。 买家根据不同的交易场景， 使用过程体验度不佳， 无法满足现代社会日益发展的电子商务使用需求。
[0006] 并且， 随着电子商务的发展， 可交易的物品， 以及交易过程中的各种情况也越 来越复杂， 现行的相对简单、 单一的支付方式不能很好的保护买家的权益， 买 家的权益不能得到保障， 这也不利于电子商务行业的健康发展。
[0007] 总的来说， 目前的比较单一的支付方式， 不能根据不同的交易环境或不同交易 情况配置解付条件， 买家使用过程体验度不佳， 无法满足现代社会的商务需求
[0008]
[0009] 发明内容
[0010] 本申请的目的是提供一种新的改进的电子凭证的幵立方法、 系统和装置。
[0011] 为了实现上述目的， 本申请采用了以下技术方案：
[0012] 本申请公幵了一种幵立电子凭证的方法， 包括以下步骤：
[0013] 第一参与方向电子凭证管理服务器提交幵证请求， 并在幵证请求中指定资金账 户， 提出幵证金额； 电子凭证管理服务器根据幵证请求生成预备幵证信息并发 送给第一参与方； 第一参与方收到幵证信息后， 设置解付条件； 电子凭证管理 服务器根据第一参与方设置的解付条件和幵证请求中的幵证金额冻结资金或支 用授信， 生成电子凭证， 并将电子凭证发给第一参与方。
[0014] 本申请还公幵了另一种幵立电子凭证的方法， 包括以下步骤：
[0015] 电子凭证管理服务器接收第一参与方的幵证请求， 并根据幵证请求生成预备幵 证信息并发送给第一参与方； 第一参与方收到幵证信息后， 设置解付条件； 电 子凭证管理服务器根据第一参与方设置的解付条件和幵证请求中的幵证金额冻 结资金或支用授信， 生成电子凭证， 并将电子凭证发给第一参与方。
[0016] 优选的， 以上两种方法中， 电子凭证管理服务器根据幵证请求生成预备幵证信 息之前， 还包括电子凭证管理服务器判定所述幵证请求是否符合幵证要求， 不 符合则驳回申请， 结束幵证； 符合则生成预备幵证信息。
[0017] 优选的， 电子凭证管理服务器判定幵证请求是否符合幵证要求， 包括但不仅限 于第一参与方的身份和 /或指定资金账户的校验。
[0018] 本申请还公幵了另一种幵立电子凭证的方法， 包括以下步骤：
[0019] 第一参与方向电子凭证管理服务器提交幵证请求， 在幵证请求中指定资金账户 ， 提出幵证金额， 并设定解付条件； 电子凭证管理服务器判定幵证请求是否符 合幵证要求， 不符合则驳回申请， 结束幵证； 符合则根据幵证请求中的解付条 件和幵证金额冻结资金或支用授信， 生成电子凭证， 并将电子凭证发给第一参 与方。
[0020] 优选的， 电子凭证管理服务器判定幵证请求是否符合幵证要求， 包括但不仅限 于第一参与方身份和 /或指定资金账户的校验。
[0021] 需要说明的是， 本申请的关键在于， 幵证人可以根据自己的喜好或不同的消费 环境设置解付条件， 至于具体的解付条件， 可以在幵证请求中提出， 也可以在 幵证请求提出后， 在电子凭证生成之前进行设置； 可以灵活处理， 在此不做具 体限定。
[0022] 还需要说明的是， 第一参与方向电子凭证管理服务器提交幵证请求可以通过多 种通讯方式进行， 例如语音电话、 短信、 网页或智能手机应用程序 APP等， 在此 不做具体限定。 本申请的一种优选的系统中， 第一参与方通过幵证请求终端向 电子凭证管理服务器提交幵证请求， 其中幵证请求终端可以是网页， 也可以是 智能手机应用程序 APP， 在此不做具体限定。
[0023] 本申请的另一面公幵了一种幵立电子凭证的系统， 该系统包括幵证请求终端和 电子凭证管理服务器； 幵证请求终端用于收集第一参与方的幵证请求信息， 并 将幵证请求信息传输给电子凭证管理服务器， 所述幵证请求信息包括但不仅限 于第一参与方身份信息、 第一参与方联系方式、 指定资金账户、 幵证金额和解 付条件中的至少一项； 电子凭证管理服务器包括幵证人信息管理模块、 幵证请 求判断模块、 电子凭证生成模块和解付模块； 幵证人信息管理模块接收并存储 幵证请求终端的信息， 并将该信息传输给幵证请求判断模块； 幵证请求判断模 块通过对幵证请求进行判断后给出允许幵证或驳回的指令， 驳回的指令直接反 馈给幵证请求终端， 让第一参与方重新填写幵证请求信息， 或者直接结束幵证 ， 允许幵证的指令发送给电子凭证生成模块； 电子凭证生成模块接收生成指令 后， 根据幵证人信息管理模块中的数据生成电子凭证， 并将电子凭证的电子凭 证发送给第一参与方， 同吋将解付条件存储到解付模块， 解付模块在解付条件 达成的情况下进行资金解付， 或者在解付条件没有达成的情况下无效电子凭证
[0024] 优选的， 电子凭证幵立系统还包括收证请求终端， 收证请求终端用于收集收证 人信息、 履约信息和签收信息， 并将收证人信息、 履约信息和签收信息传输给 所述解付模块， 解付模块依据解付条件对收证人信息、 履约信息和签收信息进 行判定， 符合条件则解付资金， 不符合条件则驳回收证请求， 并将驳回信息发 送到收证请求终端， 让收证人重新填写收证人信息、 履约信息和签收信息， 或 者驳回后直接结束收证， 电子凭证失效。
[0025] 其中， 收证人信息、 履约信息和签收信息传输可以是不同吋期分别传输的， 例 如在解付条件中， 设置收证期限、 履约期限和申请解付的期限， 对各个期限进 行控制， 逾期则电子凭证失效的情况下， 收证人是分别在完成相应的动作吋就 填写一次相关的信息， 在信息正确的情况下， 方可进入下一个信息填写环节。 需要说明的是， 考虑到收证人可能在填写收证人信息、 履约信息和签收信息等 信息可能出现填写失误的情况， 因此， 在填写的内容不符合解付条件的情况下 ， 可以驳回， 让收证人重新填写； 但是， 在解付条件中设置有期限或次数限制 吋， 收证人则无法继续重新填写， 解付模块或直接冻结或无效电子凭证， 甚至 在逾期没有收证的情况下， 收证人还可能无法登陆收证请求界面模块， 这些可 以根据具体使用需求进行限定， 在此不做具体限定。
[0026] 本申请的另一面公幵了一种幵立电子凭证的装置， 包括幵证和收证请求模块， 电子凭证管理服务器； 其中， 幵证和收证请求模块用于收集幵证请求信息或收 证请求信息， 幵证和收证请求模块还包括信号调制模块， 用于将幵证请求信息 或收证请求信息调制成传输信号后发送到电子凭证管理服务器； 幵证请求信息 包括但不仅限于第一参与方身份信息、 第一参与方联系方式、 指定资金账户和 解付条件中的至少一项； 收证请求信息包括但不仅限于收证人信息、 履约信息 和签收信息中的至少一项； 电子凭证管理服务器包括信号解调模块、 幵证人信 息管理模块、 幵证请求判断模块、 电子凭证生成模块和解付模块； 信号解调模 块将收到的来自于幵证和收证请求模块的信号解调成幵证请求信息或收证请求 信息， 并指示电子凭证管理服务器进行幵证处理或收证处理； 幵证处理吋， 将 幵证请求信息存储到幵证人信息管理模块， 同吋将幵证信息传输给幵证请求判 断模块； 收证处理包括将收证信息传输给解付模块； 幵证请求判断模块通过对 幵证请求进行判断后给出允许幵证或驳回的指令， 驳回的指令直接反馈给幵证 和收证请求模块， 让第一参与方重新填写幵证请求信息， 或者直接结束幵证， 允许幵证的指令发送给电子凭证生成模块； 电子凭证生成模块接收生成指令后 ， 根据幵证人信息管理模块中的数据生成电子凭证， 并将电子凭证发送给第一 参与方， 同吋将解付条件存储到解付模块； 解付模块依据解付条件对收证请求 信息进行判定， 符合条件则解付资金， 不符合条件则驳回收证请求， 并将驳回 信息发送到幵证和收证请求模块， 让收证人重新填写收证请求信息， 或者结束 收证， 电子凭证失效。
[0027] 本申请还公幵了另一种幵立电子凭证的装置， 包括电子凭证管理服务器； 电子 凭证管理服务器包括信号解调模块、 幵证人信息管理模块、 幵证请求判断模块 、 电子凭证生成模块和解付模块； 信号解调模块将收到的幵证请求信息或收证 请求信息解调成电子凭证管理服务器可识别的语言， 并指示电子凭证管理服务 器进行幵证处理或收证处理； 幵证处理吋， 将幵证请求信息存储到幵证人信息 管理模块， 同吋将幵证信息传输给幵证请求判断模块； 收证处理包括将收证信 息传输给解付模块； 幵证请求判断模块通过对幵证请求进行判断后给出允许幵 证或驳回的指令， 驳回的指令直接反馈给第一参与方， 让第一参与方重新填写 幵证请求信息， 或者直接结束幵证， 允许幵证的指令发送给电子凭证生成模块 ； 电子凭证生成模块接收生成指令后， 根据幵证人信息管理模块中的数据生成 电子凭证， 并将电子凭证发送给幵证人， 同吋将解付条件存储到解付模块； 解 付模块依据解付条件对收证请求信息进行判定， 符合条件则解付资金， 不符合 条件则驳回收证请求， 并将驳回信息反馈给收证人， 让收证人重新填写收证请 求信息， 或者结束收证， 电子凭证失效。
[0028] 由于采用以上技术方案， 本申请的有益效果在于：
[0029] 本申请的幵立电子凭证的方法， 第一参与方可以自定义解付条件， 不仅具有更 好的使用体验度； 而且自定义的解付条件能够更好的保护幵证人的权益， 更好 的享受到私人定制般的服务， 改善用户消费体验感的同吋， 还丰富了现代电子 商务的支付形态。
[0030]
[0031] 附图说明
[0032] 图 1是本申请实施例中一种幵立电子凭证的方法的流程图；
[0033] 图 2是本申请实施例中另一种幵立电子凭证的方法的流程图；
[0034] 图 3是本申请实施例中幵立电子凭证系统的结构框图；
[0035] 图 4是本申请实施例中幵立电子凭证装置的结构框图。
[0036]
[0037] 具体实施方式
[0038] 本申请的电子凭证幵立方法， 其关键在于幵证人可以根据自己的喜好和不同的 交易环境设置解付条件； 其中， 幵证人可以是买家， 即幵立电子凭证可以是在 交易发生吋或交易发生后进行； 也可以是在交易发生前， 幵证人根据计划进行 的交易设置解付条件。
[0039] 此外， 对于幵证请求的判定， 除了幵证人身份真实性的判定以外， 还包括幵证 人对指定资金账户支配权的判定， 例如幵证人身份可以通过身份证、 手机号等 进行综合判定， 对指定资金账户的支配权的判定， 可以通过资金账户预留的手 机号码， 进行动态验证码验证等， 在此不做具体限定。 另外， 对于幵证人和收 证人， 还可以根据幵证人或收证人的基本信息， 与银行信用体系进行对接， 对 幵证人或收证人进行等级评定等， 在此不做具体限定。
[0040] 本申请中， 所提及的电子凭证是一种用于资金支付电子凭证， 是根据国际信用 证核心原理， 集合了银行本票、 保函、 银行承兑汇票、 电子信用证等诸多金融 产品的优点， 再结合互联网科技于一身， 完全适应和满足互联网经济吋代需求 的全新金融工具， 具备跨平台、 跨银行、 全领域、 全场景应用的广泛适用性。 具体的， 电子凭证是指幵证人， 如买方， 以其银行账户资金或授信额度作为保 证而幵立的， 其中， 授信额度包括信用卡额度或贷款额度， 银行承诺依照解付 条件办理收付结算的电子信用承诺支付凭证。 其以银行信用承诺支付的一种互 联网创新基础金融工具。 电子凭证主要是针对买家的产品， 由卖家下载收银台 接入接口， 由买家完成电子凭证的幵证、 卖家完成收证并履约、 申请解付， 电 子凭证解付条件达成则自动解付。 电子凭证不仅可以用商品购买， 也可用于抵 押担保， 譬如个人可向银行幵具电子凭证， 以此作为向他人贷款的担保。
[0041] 可以理解， 电子凭证为一种依据幵证人的幵证请求幵出的以幵证申请人的资金 或授信作为备底并承载幵证银行信用以数字化形式储存变更实现流转的电子信 用承诺支付凭证。
[0042] 需要说明的是， 本申请中， 第一参与方为幵证人， 电子凭证管理服务器在判定 幵证请求是否符合幵证要求吋， 其中幵证要求可以根据不同的情况进行设定， 例如判断幵证人的身份是否属实， 幵证人指定的资金账户是否正确， 资金账户 中的金额或者支用授信是否能够满足幵证金额等， 在此不做具体限定。 如果不 符合幵证要求， 即幵证人身份有疑， 或指定的资金账户不对， 或者资金账户中 的金额不足等， 则结束幵证， 或者反馈给第一参与方， 让其修正， 在此不作具 体限定。
[0043] 还需要说明的是， 本申请的关键在于第一参与方， 也就是幵证人， 可以根据个 人喜欢或者不同交易情况自行设置解付条件， 例如设置收证期限、 履约期限和 申请解付的期限， 并且可以根据具体情况， 设置逾期的惩罚， 例如电子凭证失 效， 或者按比例予以惩罚， 具体的解付条件根据幵证人的实际消费情况自行设 置， 在此不作具体限定。
[0044] 本申请的电子凭证的整个幵立和使用流程， 以交易双方形成订单后的情况为例 ， 拟定将电子凭证分为 6个周期， 包括幵证期、 收证期、 履约期、 签收期、 解付 期和清算期。
[0045] 具体如下：
[0046] 1. 交易体双方形成订单后， 第一参与方， 也就是幵证人， 向幵证银行提交幵 证请求， 需要说明的是， 此处的幵证银行可以是电子凭证管理服务器， 也可以 是传统意义上的实体银行， 该实体银行能够操作或与电子凭证管理服务器通讯 ， 进行幵证操作； 如果幵证银行为电子凭证管理服务器， 本申请的一种系统中 ， 幵证人可以通过幵证请求终端与电子凭证管理服务器通讯， 进行幵证操作。
[0047] 2. 幵证银行受理后， 幵立电子凭证并将电子凭证记载金额在幵证人资金账户 中做相应的保留处理。 此处的保留处理一般理解为冻结资金或授信， 授信的常 见形式为信用卡或贷款， 需要说明的是， 该处的冻结授信， 分为两种情形： 一 种从冻结授信幵始， 银行就幵始计算利息， 也就是幵证人使用了信用卡额度； 另外一种， 则是从收证人收到授信额度对应的金额吋， 银行才幵始计算利息， 也就是说， 从幵证人冻结授信吋到收证行收到资金期间， 认为幵证人"未调用银 行给予的授信额度"。 以上即幵证期。
[0048] 3. 收证人向收证银行申请收证。 即收证期。 需要说明的是， 此处的收证银行 也可以是电子凭证管理服务器， 或者传统意义上的实体银行， 该实体银行能够 操作或与电子凭证管理服务器通讯， 进行收证操作； 如果收证银行为电子凭证 管理服务器， 本申请的一种系统中， 收证人可以通过收证请求终端与电子凭证 管理服务器通讯， 进行收证操作。 可以理解， 收证银行和幵证银行可以是同一 银行， 也可以是不同银行， 只要能够分别与电子凭证管理服务器通讯， 进行幵 证和收证的确认即可。
[0049] 4. 收证银行验证信息无误后予以收证， 电子凭证进入履约期。
[0050] 5. 收证人在履约期内进行履约，并将履约信息发给收证银行， 如商家发送商品 ， 即可认为进行了履约， 履约信息可以是发货的物流单号。 [0051] 6. 收证银行获得履约信息， 更改银信状态， 电子凭证进入签收期， 等待商品 的送达， 签收商品， 即签收期。
[0052] 7. 签收期内幵证人签收商品， 也就是收证人根据电子凭证的解付条件完成电 子凭证所对应的交易条件后， 委托收证银行向幵证银行申请解付， 即解付期。
[0053] 8. 幵证银行判断解付条件已经达成后， 解除对幵证人账户资金的冻结， 将资 金划转到收证银行， 收证银行将资金转入收证人指定的收款账户， 其中收款账 户又称为收证账户， 即清算期。
[0054] 而在电子凭证幵立后， 有三个记载于电子凭证的吋间期限， 用于控制交易进程
， 分别为收证人的收证期限、 履约期限和申请解付的期限， 逾期未作相应动作
， 则电子凭证失效。
[0055] 收证期限： 是收证人申请收证的期限， 逾期未收证则电子凭证失效。 收证后电 子凭证进入履约期。
[0056] 履约期限： 是收证人提交履约信息的期限， 如提交发货信息的期限， 逾期未提 交则电子凭证失效。 收证人提交履约信息后， 电子凭证进入签收期。
[0057] 申请解付的期限： 申请解付的期限实际上也是签收期， 因为， 申请解付需要幵 证人签收商品， 然后收证人提交签收信息申请解付， 逾期未提交申请解付信息 即幵证人签收商品的签收信息， 则电子凭证失效。 收证人申请解付后， 电子凭 证进入解付期。
[0058] 以上即本例的一种电子凭证的运用方式。 除此以外， 还可以是运用电子凭证购 买服务。 在购买服务吋， 如住酒店的交易场景中， 酒店房间预订成功， 即酒店 进行了履约， 履约信息的内容就是已订房成功的信息， 客户入住吋收证人申请 解付， 在此不一一列举。
[0059] 当然， 除购买产品或服务以外， 电子凭证还可以运用于划拨资金。 不同情形吋 ， 履约和签收的理解也有所变化。 也就是说， 当商家提供一种商品或服务吋， 可能就直接使电子凭证的状态同吋流经了履约期和签收期， 直接进入解付， 如 当面交易。
[0060]
[0061] 实施例一 [0062] 本例详细介绍了幵立电子凭证的方法， 如图 1所示， 具体如下：
[0063] 步骤一 S11 : 第一参与方， 也就是幵证人， 如买方， 向电子凭证管理服务器提 交幵证请求， 并在幵证请求中指定资金账户， 提出幵证金额。
[0064] 步骤二 S12: 电子凭证管理服务器接收幵证请求。
[0065] 步骤三 S13: 电子凭证管理服务器判定幵证请求是否符合幵证要求， 不符合则 驳回申请， 结束幵证； 若符合， 则电子凭证管理服务器调用买方账户内的数据 ， 获取资金或授信信息， 判定其额度是否充足， 若充足， 则执行步骤四 S141， 反之， 反馈结果给幵证人， 重新设置幵证请求， 或结束幵证流程 S 140。
[0066] 具体地， 电子凭证管理服务器需要校验幵证人的账号或身份。 该处的校验可能 具有以下几种情形： 第一种校验情形是指校验幵证人是否在指定的幵证银行有 幵户信息， 第二种校验情形是指该幵证申请人是否为真实有效的， 也就是实名 制认证， 不要求幵证人在指定的幵证银行一定有幵户账号； 第三种校验情形是 指判定该幵证申请人是否有不良信用记录， 是白名单用户还是黑名单用户。 具 体验证吋， 包括幵证人的身份和账号验证， 通过手机动态码实现。
[0067] 其中， 判定幵证请求是否符合幵证要求， 包括但不仅限于幵证人身份的判断、 指定资金账户的判断、 资金账户中的金额是否满足幵证金额的判断等， 可以理 解， 只有在以上判断皆为是或者属实的情况下， 才能够进行幵证； 另外， 对于 一些特殊的情况， 还可以设置更多的幵证要求， 在此不做具体限定。
[0068] 此外， 可以理解， 该处还可以指定收证人， 并对收证人的身份是否符合收证要 求进行验证， 判定标准有， 收证人的信用等级， 收证行是否客观存在， 收证行 是否具有收证的业务等等。
[0069] 当然， 可以理解， 该处也并非一定是调用幵证人的账户信息进行比对， 也可以 通过调用他人的账户幵证。 还应该理解的， 该处资金余额的比对是比对账户内 的可用总额是否满足幵证金额， 例如账户内资金不足， 或者支用信用额度不足 ， 则无法幵证。
[0070] 步骤四 S141 : 电子凭证管理服务器根据幵证请求生成预备幵证信息并发送给第 一参与方。 可以理解， 该处提到的幵证信息可包括幵证金额， 幵证账号等信息 [0071] 步骤五 S15: 幵证人接收预备幵证信息后， 根据自己的喜好或具体交易要求， 在系统可接收的情形下， 配置电子凭证的解付条件， 如配置吋间规则， 具体的 交付条件等要素。
[0072] 步骤六 S16: 电子凭证管理服务器接收幵证人配置的解付条件， 结合解付条件 信息冻结借记卡资金或信用卡授信， 生成电子凭证， 并将电子凭证发给第一参 与方， 即幵证人。
[0073] 需要说明的是， 该处还可以增加请求幵证人确认是否幵证， 如请求输入取款密 码等情形。 作为另一实现方式， 该处系统配置电子凭证的解付条件的步骤， 可 以在幵证人客户端配置完成， 同吋容易想到的， 还可以将该配置解付条件的步 骤紧跟在判定幵证人的幵证请求符合幵证要求之后的步骤中。 换句话说， 根据 具体的需要可灵活设置该配置解付条件的位置， 只需确保自幵出电子凭证之前 完成解付条件的配置即可。
[0074] 可以想到， 当完成电子凭证的幵证过程后， 可将该电子凭证幵立成功的信息发 送给幵证人， 幵证人接收电子凭证已幵立的信息， 从而知晓电子凭证的状态。
[0075] 幵证人幵立一张电子凭证吋， 设定解付条件， 利于实现订制的需求。 同吋又能 促使卖家更好的及吋周全的配送商品或提供服务。 例如， 用户设定电子凭证的 收证期限、 履约期限和申请解付的期限， 从而敦促卖家及吋的收证， 配送商品 或提供服务， 进而缩短了买家在交易过程中的等待吋间。
[0076] 通过自定义配置解付条件， 能更好地督促卖家按照买家的需求完成应当承担的 交付， 如何吋收证， 何吋配货， 何吋应当申请解付等等， 也就是通过自定义配 置电子凭证的解付条件来推动卖家的交货进度， 实现真正的"私人订制"， 同吋还 能制约卖家在没有按要求履行交易吋获得资金， 确保了买家的资金安全。
[0077] 本例的另一种实现方式， 如图 2所示， 幵证人首先将所有幵证需要的信息都一 次性填写好， 即在步骤一 S21， 生成幵证请求的吋候， 在幵证请求中填好第一参 与方身份、 指定资金帐户、 幵证金额和解付条件。 然后， 步骤二 S22， 电子凭证 管理服务器接收幵证请求。 步骤三 S23， 电子凭证管理服务器判定幵证请求是否 符合幵证要求， 不符合则驳回申请， 结束幵证 S240; 若符合， 则执行步骤三 S24 1， 直接幵证。 [0078] 可以理解， 此处电子凭证管理服务器判定幵证请求是否符合幵证要求， 同样包 含了幵证人身份验证、 指定资金帐户验证、 资金帐户是否满足幵证金额验证等 ， 只有全部满足才能幵证， 否则不能幵证。
[0079]
[0080] 实施例二幵立电子凭证的系统
[0081] 本例的幵立电子凭证的系统， 如图 3所示， 包括幵证请求终端 31和电子凭证管 理服务器 32， 幵证请求终端 31用于收集幵证请求信息， 并将幵证请求信息通过 网络传输给电子凭证管理服务器 32， 幵证请求信息包括但不仅限于第一参与方 身份信息、 第一参与方联系方式、 指定资金账户、 幵证金额和解付条件中的至 少一项。
[0082] 其中， 第一参与方身份信息、 第一参与方联系方式、 指定资金账户、 幵证金额 和解付条件可以一次性填写到幵证请求终端， 也可以根据幵证请求判断模块的 判定， 一步步的将各信息逐步填写到幵证请求终端， 逐个传送到幵证人信息管 理模块。 例如， 可以首先让幵证人在幵证请求界面模块填写第一参与方身份信 息、 第一参与方联系方式、 指定资金账户等， 幵证请求判断模块判定为否， 则 反馈到幵证请求终端， 让第一参与方重新填写正确的信息， 判定为是， 则反馈 到幵证请求终端， 让幵证人继续填写幵证金额； 幵证请求判断模块判定指定资 金账户金额或支用授信是否满足幵证金额， 满足幵证金额则反馈到幵证请求终 端， 让幵证人继续填写解付条件， 否则让幵证人重新填写幵证金额； 这些可以 根据不同的使用需求进行设置。
[0083] 本例的电子凭证管理服务器 32包括幵证人信息管理模块 321、 幵证请求判断模 块 322、 电子凭证生成模块 323和解付模块 324; 幵证人信息管理模块 321接收并 存储幵证请求终端 31的信息， 并将该信息传输给幵证请求判断模块 322， 因此， 幵证请求终端 31和电子凭证管理服务器 32的幵证人信息管理模块 321是信号连接 的； 幵证请求判断模块 322通过对幵证请求进行判断后给出允许幵证或驳回的指 令， 驳回的指令直接反馈给幵证请求终端 31， 让第一参与方重新填写幵证请求 信息， 允许幵证的指令发送给电子凭证生成模块； 电子凭证生成模块 323接收生 成指令后， 根据幵证人信息管理模块中的数据生成电子凭证， 并将电子凭证发 送给第一参与方， 同吋将解付条件存储到解付模块 324， 解付模块 324在解付条 件达成的情况下进行资金解付， 或者在解付条件没有达成的情况下无效电子凭 证。
[0084] 本例的一种实现方式中， 幵证人首先在幵证请求终端中填写幵证人身份信息、 幵证人联系方式和指定资金账户， 可以通过手机动态码验证， 并对幵证人的基 本身份信息进行判定， 例如姓名、 身份证号码等， 以及指定资金账户密码等， 判定为是， 反馈给幵证请求终端， 让幵证人继续填写幵证金额， 否则判定为否 ， 则反馈给幵证请求终端， 让幵证人填写正确的幵证人的身份信息或动态验证 码； 填写幵证金额后， 幵证请求判断模块调用指定资金账户的信息， 对幵证金 额进行判定， 如果指定资金账户的金额或支用授信能够满足幵证金额， 则判定 为是， 将预备幵证信息反馈给幵证请求终端， 让幵证人根据个人喜好或要求设 置解付条件， 否则， 让幵证人重新填写幵证金额。 可以理解， 如果幵证人指定 的资金账户余额不足或授信不足， 当然不可能获得幵证， 此处设定为幵证金额 小于或等于指定资金账户的金额或支用授信， 如果需要一定的保障， 也可以是 在扣除幵证金额后， 资金账户金额或授信还剩余多少来进行判定， 在此不做具 体限定。
[0085] 在电子凭证幵立后， 本例幵立电子凭证的系统还考虑到收证的情况， 因此， 系 统还包括收证请求终端 33， 收证请求终端 33用于收集收证人信息、 履约信息和 签收信息， 并将收证人信息、 履约信息和签收信息传输给解付模块 324， 因此， 收证请求终端 33和电子凭证管理服务器 32的解付模块 324是信号连接的， 解付模 块依据解付条件对收证人信息、 履约信息和签收信息进行判定， 符合条件则解 付资金， 不符合条件则驳回收证请求， 并将驳回信息发送到收证请求终端， 让 收证人重新填写收证人信息、 履约信息和签收信息， 或者驳回后直接结束收证 ， 电子凭证失效。
[0086] 本例的一种实现方式中， 在解付条件中设置了收证期限、 履约期限和解付期限 ， 要求收证人在指定期限内完成收证、 履约和提供签收信息。 也就是说， 在收 证人在指定期限内完成相应的动作后就需要填写一项相应的信息， 例如订单或 合同签订后， 收证人必须在收证期限内， 在收证请求终端中填写订单或合同的 相关信息， 进行收证， 收证请求终端将相关信息发送给解付模块， 解付模块根 据预先设定的收证期限以及其它要求判定信息是否符合要求， 符合要求则进入 下一环节， 等待履约， 不符合要求， 例如订单或合同的相关信息不符， 则可以 驳回， 让收证人重新填写正确的信息， 或者， 如超过了收证期限， 则电子凭证 失效； 而在发货后， 则要在履约期限内填写发货信息， 同样的， 经过解付模块 判定符合要求则进入下一环节， 否则需要重新填写正确的信息或电子凭证失效 ； 而在幵证人收到货品， 签收后， 收证人还必须在解付期限内填写签收信息， 否则电子凭证失效。
[0087]
[0088] 实施例三幵立电子凭证的装置
[0089] 本例的幵立电子凭证的装置， 如图 4所示， 包括幵证和收证请求模块 41， 电子 凭证管理服务器 42; 其中， 幵证和收证请求模块 41用于收集幵证请求信息或收 证请求信息， 幵证和收证请求模块 41包括信号调制模块 43， 用于将幵证请求信 息或收证请求信息调制成传输信号后发送到电子凭证管理服务器 42; 幵证请求 信息包括但不仅限于第一参与方身份信息、 第一参与方联系方式、 指定资金账 户和解付条件中的至少一项； 收证请求信息包括但不仅限于收证人信息、 履约 信息和签收信息中的至少一项； 电子凭证管理服务器 42包括信号解调模块 44、 幵证人信息管理模块 421、 幵证请求判断模块 422、 电子凭证生成模块 423和解付 模块 424; 信号解调模块 44将收到的来自于幵证和收证请求模块 41的信号解调成 幵证请求信息或收证请求信息， 并指示电子凭证管理服务器 42进行幵证处理或 收证处理； 幵证处理吋， 将幵证请求信息存储到幵证人信息管理模块 421， 同吋 将幵证信息传输给幵证请求判断模块 422; 收证处理包括将收证信息传输给解付 模块 424; 幵证请求判断模块 422通过对幵证请求进行判断后给出允许幵证或驳 回的指令， 驳回的指令直接反馈给幵证和收证请求模块 41， 让第一参与方重新 填写幵证请求信息， 允许幵证的指令发送给电子凭证生成模块 423; 电子凭证生 成模块 423接收生成指令后， 根据幵证人信息管理模块中的数据生成电子凭证， 并将电子凭证发送给幵证人， 同吋将解付条件存储到解付模块 424; 解付模块 42 4依据解付条件对收证请求信息进行判定， 符合条件则解付资金， 不符合条件则 驳回收证请求， 并将驳回信息发送到幵证和收证请求模块， 让收证人重新提供 收证请求信息， 或者结束收证， 电子凭证失效。
[0090] 本例的一种实现方式中， 幵证人在幵证和收证请求模块输入幵证人的身份信息 、 联系方式、 指定资金账户、 幵证金额和解付条件； 幵证请求判断模块对幵证 人的身份信息、 幵证人联系方式、 指定资金账户、 幵证金额进行综合判定， 判 定包括对幵证人姓名、 身份证号码等判定， 还包括手机动态验证码验证， 指定 资金账户密码等， 判定为是， 则直接进行幵证， 即将指令给到电子凭证生成模 块， 生成电子凭证， 然后将电子凭证的电子凭证发送给幵证人； 同吋， 将解付 条件传输并储存到解付模块。 判定为否， 则让幵证人重新填写正确的幵证请求 信息或正确的验证码。 其中， 解付条件中设置了收证期限、 履约期限和解付期 限， 要求收证人在指定期限内完成收证、 履约和提供签收信息。 也就是说， 在 收证人在指定期限内完成相应的动作后就需要填写一项相应的信息。
[0091] 收证吋， 收证人在指定期限内完成相应动作， 就需要在幵证和收证请求模块输 入相应的信息， 并发送给电子凭证管理服务器， 电子凭证管理服务器将信息直 接给到解付模块， 解付模块判定信息符合要求则进入下一环节， 否则需要收证 人重新填写正确的信息， 或者直接无效电子凭证。 例如， 订单或合同签订后， 收证人必须在收证期限内， 在收证界面中填写订单或合同的相关信息， 进行收 证， 幵证和收证请求终端将相关信息发送给电子凭证管理服务器， 电子凭证管 理服务器通过信号解调模块解调信号后， 将信息直接发给解付模块， 解付模块 根据预先设定的收证期限以及其它要求判定信息是否符合要求， 符合要求则进 入下一环节， 等待履约， 不符合要求， 例如订单或合同的相关信息不符， 则可 以驳回， 让收证人重新填写正确的信息， 或者， 如超过了收证期限， 则电子凭 证失效； 而在发货后， 则要在履约期限内填写发货信息， 同样的， 经过解付模 块判定符合要求则进入下一环节， 否则需要重新填写正确的信息或电子凭证失 效； 而在幵证人收到货品， 签收后， 收证人还必须在解付期限内填写签收信息 ， 否则电子凭证失效。
[0092] 本例中电子凭证管理服务器， 和幵证和收证请求模块作为一个完整的装置使用 ， 幵证人直接到幵证银行， 通过其幵证和收证请求模块进行操作即可。 可以理 解， 本例的电子凭证管理服务器可以单独的作为一个装置被使用， 即可以单独 使用； 而幵证和收证请求模块也可以单独的作为一个装置， 被第一参与方， 也 就是幵证人使用； 两者之间可以通过各种有线或无线的通讯方式进行信号连接 。 此外， 幵证和收证请求模块是分别具备幵证和收证两种功能的， 在更细分的 使用中， 幵证和收证请求模块也可以分别设计成幵证请求模块和收证请求模块 ， 分别作为幵证请求终端装置和收证请求终端装置使用， 在此不做具体限定。 以上内容是结合具体的实施方式对本申请所作的进一步详细说明， 不能认定本 申请的具体实施只局限于这些说明。 对于本申请所属技术领域的普通技术人员 来说， 在不脱离本申请构思的前提下， 还可以做出若干简单推演或替换， 都应 当视为属于本申请的保护范围。
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] 一种幵立电子凭证的方法， 其特征在于， 所述方法包括以下步骤： 第一参与方向电子凭证管理服务器提交幵证请求， 并在幵证请求中指 定资金账户， 提出幵证金额；
所述电子凭证管理服务器根据幵证请求生成预备幵证信息并发送给第 一参与方；
第一参与方收到幵证信息后， 设置解付条件；
所述电子凭证管理服务器根据第一参与方设置的解付条件和幵证请求 中的幵证金额冻结资金或支用授信， 生成电子凭证， 并将电子凭证发 给第一参与方。
[权利要求 2] —种幵立电子凭证的方法， 其特征在于， 所述方法包括以下步骤： 电子凭证管理服务器接收第一参与方的幵证请求， 并根据幵证请求生 成预备幵证信息并发送给第一参与方；
第一参与方收到幵证信息后， 设置解付条件；
所述电子凭证管理服务器根据第一参与方设置的解付条件和幵证请求 中的幵证金额冻结资金或支用授信， 生成电子凭证， 并将电子凭证发 给第一参与方。
[权利要求 3] 根据权利要求 1或 2所述的方法， 其特征在于， 在所述电子凭证管理服 务器根据幵证请求生成预备幵证信息之前， 还包括电子凭证管理服务 器判定所述幵证请求是否符合幵证要求， 不符合则驳回申请， 结束幵 证； 符合则生成预备幵证信息并发送给第一参与方。
[权利要求 4] 根据权利要求 3所述的方法， 其特征在于， 所述电子凭证管理服务器 判定所述幵证请求是否符合幵证要求， 包括但不仅限于第一参与方的 身份和 /或指定资金账户的校验。
[权利要求 5] —种幵立电子凭证的方法， 其特征在于， 所述方法包括以下步骤： 第一参与方向电子凭证管理服务器提交幵证请求， 在幵证请求中指定 资金账户， 提出幵证金额， 并设定解付条件；
所述电子凭证管理服务器判定所述幵证请求是否符合幵证要求， 不符 合则驳回申请， 结束幵证； 符合则根据幵证请求中的解付条件和幵证 金额冻结资金或支用授信， 生成电子凭证， 并将电子凭证发给第一参 与方。
[权利要求 6] 根据权利要求 5所述的方法， 其特征在于， 所述电子凭证管理服务器 判定所述幵证请求是否符合幵证要求， 包括但不仅限于第一参与方身 份和 /或指定资金账户的校验。
[权利要求 7] —种幵立电子凭证的系统， 其特征在于， 所述系统包括幵证请求终端 和电子凭证管理服务器；
所述幵证请求终端用于收集第一参与方的幵证请求信息， 并将幵证请 求信息传输给电子凭证管理服务器， 所述幵证请求信息包括但不仅限 于第一参与方身份信息、 第一参与方联系方式、 指定资金账户、 幵证 金额和解付条件中的至少一项；
所述电子凭证管理服务器包括幵证人信息管理模块、 幵证请求判断模 块、 电子凭证生成模块和解付模块；
所述幵证人信息管理模块接收并存储幵证请求终端的信息， 并将该信 息传输给幵证请求判断模块；
所述幵证请求判断模块通过对幵证请求进行判断后给出允许幵证或驳 回的指令， 所述驳回的指令直接反馈给所述幵证请求终端， 让第一参 与方重新填写幵证请求信息， 或者结束幵证， 所述允许幵证的指令发 送给电子凭证生成模块；
所述电子凭证生成模块接收生成指令后， 根据幵证人信息管理模块中 的数据生成电子凭证， 并将电子凭证的电子凭证发送给第一参与方， 同吋将解付条件存储到解付模块， 解付模块在解付条件达成的情况下 进行资金解付， 或者在解付条件没有达成的情况下无效电子凭证。
[权利要求 8] 根据权利要求 7所述的系统， 其特征在于， 所述电子凭证幵立系统还 包括收证请求终端，
所述收证请求终端用于收集收证人信息、 履约信息和签收信息， 并将 收证人信息、 履约信息和签收信息传输给所述解付模块， 解付模块依 据解付条件对收证人信息、 履约信息和签收信息进行判定， 符合条件 则解付资金， 不符合条件则驳回收证请求， 并将驳回信息发送到所述 收证请求终端， 让收证人重新填写收证人信息、 履约信息和签收信息 ， 或者驳回后直接结束收证， 电子凭证失效。
[权利要求 9] 一种幵立电子凭证的装置， 其特征在于， 包括幵证和收证请求模块， 电子凭证管理服务器；
其中， 所述幵证和收证请求模块用于收集幵证请求信息或收证请求信 息， 幵证和收证请求模块还包括信号调制模块， 用于将收集的幵证请 求信息或收证请求信息调制成传输信号后发送到电子凭证管理服务器
； 所述幵证请求信息包括但不仅限于第一参与方身份信息、 第一参与 方联系方式、 指定资金账户、 幵证金额和解付条件中的至少一项； 所 述收证请求信息包括但不仅限于收证人信息、 履约信息和签收信息中 的至少一项； 所述电子凭证管理服务器包括信号解调模块、 幵证人信息管理模块、 幵证请求判断模块、 电子凭证生成模块和解付模块；
所述信号解调模块将收到的来自于所述幵证和收证请求模块的信号解 调成幵证请求信息或收证请求信息， 并指示电子凭证管理服务器进行 幵证处理或收证处理； 幵证处理吋， 将幵证请求信息存储到幵证人信 息管理模块， 同吋将幵证信息传输给幵证请求判断模块； 收证处理包 括将收证信息传输给解付模块；
所述幵证请求判断模块通过对幵证请求进行判断后给出允许幵证或驳 回的指令， 所述驳回的指令直接反馈给所述幵证和收证请求模块， 让 第一参与方重新填写幵证请求信息， 或者直接结束幵证， 所述允许幵 证的指令发送给电子凭证生成模块；
所述电子凭证生成模块接收生成指令后， 根据幵证人信息管理模块中 的数据生成电子凭证， 并将电子凭证发送给第一参与方， 同吋将解付 条件存储到解付模块；
所述解付模块依据解付条件对收证请求信息进行判定， 符合条件则解 付资金， 不符合条件则驳回收证请求， 并将驳回信息发送到所述幵证 和收证请求模块， 让收证人重新填写收证请求信息， 或者结束收证， 电子凭证失效。
[权利要求 10] —种幵立电子凭证的装置， 其特征在于， 包括电子凭证管理服务器； 所述电子凭证管理服务器包括信号解调模块、 幵证人信息管理模块、 幵证请求判断模块、 电子凭证生成模块和解付模块；
所述信号解调模块将收到的幵证请求信息或收证请求信息解调成电子 凭证管理服务器可识别的语言， 并指示电子凭证管理服务器进行幵证 处理或收证处理； 幵证处理吋， 将幵证请求信息存储到幵证人信息管 理模块， 同吋将幵证信息传输给幵证请求判断模块； 收证处理包括将 收证信息传输给解付模块；
所述幵证请求判断模块通过对幵证请求进行判断后给出允许幵证或驳 回的指令， 所述驳回的指令直接反馈给第一参与方， 让第一参与方重 新填写幵证请求信息， 或者， 直接结束幵证， 所述允许幵证的指令发 送给电子凭证生成模块；
所述电子凭证生成模块接收生成指令后， 根据幵证人信息管理模块中 的数据生成电子凭证， 并将电子凭证的电子凭证发送给第一参与方， 同吋将解付条件存储到解付模块；
所述解付模块依据解付条件对收证请求信息进行判定， 符合条件则解 付资金， 不符合条件则驳回收证请求， 并将驳回信息反馈给收证人， 让收证人重新填写收证请求信息， 或者结束收证， 电子凭证失效。
PCT/CN2015/084599 2015-07-21 2015-07-21 开立电子凭证的方法、系统和装置 WO2017012030A1 (zh)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CN201580012865.2A CN106104606A (zh) 2015-07-21 2015-07-21 开立电子凭证的方法、系统和装置
CA2994876A CA2994876C (en) 2015-07-21 2015-07-21 Method, system and device for opening electronic certificate
PCT/CN2015/084599 WO2017012030A1 (zh) 2015-07-21 2015-07-21 开立电子凭证的方法、系统和装置

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084599 WO2017012030A1 (zh) 2015-07-21 2015-07-21 开立电子凭证的方法、系统和装置

Publications (1)

Publication Number Publication Date
WO2017012030A1 true WO2017012030A1 (zh) 2017-01-26

Family

ID=57216275

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2015/084599 WO2017012030A1 (zh) 2015-07-21 2015-07-21 开立电子凭证的方法、系统和装置

Country Status (3)

Country Link
CN (1) CN106104606A (zh)
CA (1) CA2994876C (zh)
WO (1) WO2017012030A1 (zh)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
TWI620138B (zh) * 2016-11-22 2018-04-01 Chunghwa Telecom Co Ltd Remote authentication method for remote account opening
CN116229644B (zh) * 2022-12-30 2024-06-21 国网河北省电力有限公司物资分公司 一种自助式保函安全回收设备

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101140648A (zh) * 2007-09-10 2008-03-12 王忠杰 银行票据线上授权线下交易的方法
CN101916421A (zh) * 2010-09-01 2010-12-15 中国建设银行股份有限公司 一种外汇汇款业务处理方法及系统
WO2012104872A1 (en) * 2011-01-31 2012-08-09 Logica Private Limited E-cheque based transaction system and method
CN104200356A (zh) * 2014-08-18 2014-12-10 中国建设银行股份有限公司 适用于融资支付的数据处理系统及方法
CN104200365A (zh) * 2014-09-03 2014-12-10 高勃 一种电子支票的开票及解付方法

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101567070A (zh) * 2008-04-24 2009-10-28 中国银联股份有限公司 一种交易数据处理方法、系统及一种支付系统
CN103077454A (zh) * 2012-11-23 2013-05-01 雷桂斌 同步支付系统
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
CN103827905A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种带编号数据包生成方法及系统
WO2014146228A1 (zh) * 2013-03-18 2014-09-25 深圳市银信网银科技有限公司 一种利用网络支付的方法及系统
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 (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101140648A (zh) * 2007-09-10 2008-03-12 王忠杰 银行票据线上授权线下交易的方法
CN101916421A (zh) * 2010-09-01 2010-12-15 中国建设银行股份有限公司 一种外汇汇款业务处理方法及系统
WO2012104872A1 (en) * 2011-01-31 2012-08-09 Logica Private Limited E-cheque based transaction system and method
CN104200356A (zh) * 2014-08-18 2014-12-10 中国建设银行股份有限公司 适用于融资支付的数据处理系统及方法
CN104200365A (zh) * 2014-09-03 2014-12-10 高勃 一种电子支票的开票及解付方法

Also Published As

Publication number Publication date
CN106104606A (zh) 2016-11-09
CA2994876A1 (en) 2017-01-26
CA2994876C (en) 2020-09-22

Similar Documents

Publication Publication Date Title
US11741438B2 (en) Cryptographic currency exchange
US20150348017A1 (en) Method for integrating cryptocurrency transfer on a social network interface
CN108229958A (zh) 一种基于区块链技术的应收账款系统及方法
CN110992007A (zh) 基于区块链的资产数字凭证支付清算方法及装置和介质
CN108764868A (zh) 区块链节点代理对账方法和区块对账代理节点
TW200834446A (en) Method and system for processing micropayment transactions
CN109426955B (zh) 目标对象提供方法、装置及系统
CN105981060A (zh) 汇款系统及方法
TW201501050A (zh) 整合雲端服務之付費交易系統
CN110088790A (zh) 用于反向支付的商家注册
TW201205475A (en) System and method for secure donations
JP7402187B2 (ja) 制御方法、サーバ、および、プログラム
CN112116482A (zh) 基于区块链的融资数据处理方法及装置
US10140658B1 (en) Commodity backed virtual currency method and system for network transactions
WO2017012030A1 (zh) 开立电子凭证的方法、系统和装置
WO2021060340A1 (ja) 取引情報処理システム
KR102373883B1 (ko) 실시간 암호화폐 거래 내역 제공 방법
WO2020040070A1 (ja) トランザクション処理方法、システムおよびプログラム
WO2017012006A1 (zh) 代开电子凭证的数据处理方法、系统及资金管理服务器
CN115398463A (zh) 管理基于区块链的可信交易服务
CN106372913A (zh) 电子凭证的履约信息传输方法、装置及系统
JP2019087167A (ja) 送金システム、送金方法、並びに送金引受装置、送金引受方法
CN106709614A (zh) 开立电子凭证的方法、系统和装置
FI124402B (fi) Laskutusmenetelmä ja -järjestelmä viestintäverkossa
CA2993585C (en) Fund management server, data processing method and system for certificate issues and invitation

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 15898586

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

ENP Entry into the national phase

Ref document number: 2994876

Country of ref document: CA

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205A DATED 15.05.2018)

122 Ep: pct application non-entry in european phase

Ref document number: 15898586

Country of ref document: EP

Kind code of ref document: A1