WO2017012034A1 - 电子凭证解付方法和装置 - Google Patents

电子凭证解付方法和装置 Download PDF

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Publication number
WO2017012034A1
WO2017012034A1 PCT/CN2015/084615 CN2015084615W WO2017012034A1 WO 2017012034 A1 WO2017012034 A1 WO 2017012034A1 CN 2015084615 W CN2015084615 W CN 2015084615W WO 2017012034 A1 WO2017012034 A1 WO 2017012034A1
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WO
WIPO (PCT)
Prior art keywords
electronic voucher
settlement
payment
code
certificate
Prior art date
Application number
PCT/CN2015/084615
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English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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 CA2994881A priority Critical patent/CA2994881C/en
Priority to PCT/CN2015/084615 priority patent/WO2017012034A1/zh
Publication of WO2017012034A1 publication Critical patent/WO2017012034A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the present invention relates to the field of network payment technologies, and in particular, to an electronic certificate settlement method and apparatus.
  • E-commerce uses the Internet platform to connect the participating parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, and to network, electronically and informatize the entire transaction process, reducing the cost of transactions. Increased trading efficiency.
  • E-commerce payment methods usually use online payment.
  • Traditional online payment is mostly to transfer the funds in the bank card directly to the other party's account, or to a third-party organization as a guarantee. After the buyer's fund transfer instruction is issued, the funds will flow directly. The following situations often occur: The buyer has not received the goods or services provided by the merchant, and the funds have been paid by the bank or a third party to the seller; or the seller provides the goods. After the service or the service, the buyer is unable to pay the corresponding funds; or the buyer transfers the funds to the wrong counterparty account. Therefore, the traditional online payment method has certain trading risks and cannot guarantee the interests of both buyers and sellers.
  • the main object of the present invention is to provide an electronic voucher settlement method and apparatus, which aims to reduce transaction risk and improve flexibility and convenience of electronic voucher settlement.
  • the present invention provides an electronic voucher settlement method, which is applied to a fund management server, and includes the following steps:
  • the present invention provides an electronic voucher dispatching device, which is applied to a fund management server, and includes: [0010] a settlement application receiving module, configured to receive an electronic voucher cancellation application and a settlement code submitted by the cancellation application end
  • a solution code verification module configured to verify the release code
  • the electronic voucher settlement module is configured to perform a settlement on the electronic voucher after the verification of the settlement code is successful.
  • the electronic voucher settlement method provided by the present invention can be used as a solution application end to submit a settlement application and a settlement code to the fund management server, and the fund management is provided by the receipt terminal, the certification terminal or the authorized third party.
  • the server only needs to verify the settlement code, and after the verification is passed, the electronic certificate is executed.
  • payment by electronic voucher reduces transaction risk, and the electronic voucher is solved according to the settlement code, which improves the security of the electronic voucher; on the other hand, the receiving end, the proximating end or the authorized third party end
  • the settlement can be made according to the settlement code, which improves the flexibility and convenience of the electronic voucher settlement; in addition, the buyer can also use the settlement code to sign the goods during the transaction process, and the seller can use the settlement code to prove the certificate.
  • the organization applies for settlement, taking into account the interests of both buyers and sellers.
  • FIG. 1 is a schematic diagram of a basic flow of payment based on an electronic voucher in the prior art
  • FIG. 2 is a flowchart of a first embodiment of an electronic voucher settlement method of the present invention
  • FIG. 3 is a flowchart of a second embodiment of an electronic voucher settlement method of the present invention.
  • FIG. 5 is a block diagram showing a first embodiment of an electronic voucher dispensing device of the present invention.
  • FIG. 6 is a block diagram showing a second embodiment of an electronic voucher processing device according to the present invention.
  • FIG. 7 is a block diagram showing a third embodiment of an electronic voucher processing device according to the present invention.
  • FIG. 8 is a block diagram showing a fourth embodiment of an electronic voucher processing device of the present invention.
  • the network payment is performed by using the electronic voucher, which greatly reduces the transaction risk and protects the interests of the buyer and the seller as compared with the traditional online payment method.
  • 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 receipt and performs the contract, and submits the payment. Finally, the electronic voucher expires automatically.
  • E-vouchers can be used not only for merchandise purchases, but also for mortgage guarantees, such as individuals who can use a letter of credit from a bank as a guarantee for loans to others.
  • the fund management server is a server of the money management institution, and the fund management institution refers to an organization capable of supporting the flow of funds, including but not limited to banks and other financial institutions (such as securities institutions). That is, the fund management server includes a bank server or other financial institution server.
  • the electronic voucher refers to an electronic application that is applied to the fund management server and is established by the fund management server by the certificate terminal (such as the buyer terminal) using the funds or the credit line of the electronic voucher payer account as the security deposit.
  • the promised payment voucher is an electronic credit certificate that the fund management institution promises to handle the settlement and payment according to the transfer conditions. It is an internet innovation basic financial instrument paid by the fund management institution's credit commitment.
  • the electronic voucher settlement means that the decertification institution (such as the Certified Bank) receives the application for cancellation and confirms that the payment is met, and then dispatches the electronic to the collection institution (such as the collection bank). The act of freezing funds or credits in a voucher payment account.
  • the decertification institution such as the Certified Bank
  • the collection institution such as the collection bank
  • the general flow based on the electronic voucher transaction is as shown in FIG. 1 , and includes six stages: a prosecution period, a receipt period, a compliance period, a signing period, a disbursement period, and a clearing period, wherein:
  • the fund management server of the securities institution shall apply for the electronic certificate according to the certificate of the certificate, and the amount of the electronic certificate shall be processed in the account (payment account) designated by the certificate (usually the funds in the frozen account). Or credit, freezing credit is divided into two situations: At the beginning of the credit granting, the fund management server of the certification agency begins to calculate the interest, that is, the buyer uses the credit card quota; the other is that the funds corresponding to the credit are received from the receiving terminal, and the funds of the certification agency The management server starts calculating interest).
  • Receiving period The receiving end (such as the seller) applies for the receipt of the fund management server (such as the receiving bank) of the receiving institution, and the electronic certificate fails after the late receipt of the certificate, and the fund management server of the receiving institution verifies The information will be collected after the information is correct.
  • the fund management server such as the receiving bank
  • Performance period The receiving party submits performance information (such as shipping information), and the electronic certificate fails after the deadline is not submitted.
  • Signing period The application for the application is cancelled, and if the application for cancellation is not submitted within the time limit (such as the receipt information), the electronic certificate is invalid. After the application for the application is released, the electronic voucher enters the settlement period.
  • a first embodiment of an electronic voucher settlement method of the present invention is provided.
  • the method is applied to a fund management server, and the fund management server is a fund management server of a certification institution (such as a bank of securities).
  • the fund management server of the present invention when not specifically described, refers to the fund management server of the certification institution, and the method includes the following steps:
  • the settlement application and the cancellation code received by the fund management server of the certification institution may be directly submitted to the fund management server of the certification institution by the cancellation application end, that is, the application end is directly solved.
  • the payment application end sends a settlement application and a settlement code to the fund management server of the collection authority, and the fund management server of the collection institution is forwarded to the fund management server of the certification institution.
  • the cancellation application end may be a certificate terminal, a certificate receiving end or an authorized third party end (ie, a third party end authorized by the certificate terminal or / and the certificate receiving end).
  • the settlement code is generated by the fund management server or the certificate terminal during the certificate period, the certificate period or the performance period.
  • the fund management server also sends the generated cancellation code to the settlement application end; when the cancellation code is generated by the certificate terminal, the certificate terminal sends the generated cancellation code to The fund management server, and when the application end is not the certificate, the certificate terminal also sends the cancellation code directly or sends it to the settlement application via the fund management server.
  • step S13 Verify the cancellation code. After the verification is successful, step S13 is performed; when the verification fails, the process is terminated, no payment is cancelled, and an error message may be returned to the application end.
  • the fund management server compares the solution code submitted by the solution application with the solution code stored by the local device, and determines whether the two match; when the two match, the verification succeeds; If it does not match ⁇ , the verification fails.
  • the fund management server of the certification institution allocates the frozen funds in the electronic voucher payment account to the designation of the certification institution.
  • the account electronic voucher business collection account
  • the fund management server of the certificate authority will use the electronic certificate
  • the funds frozen in the payment account are transferred to the account designated by the collection authority.
  • FIG. 3 a second embodiment of the electronic voucher settlement method of the present invention is proposed.
  • the method of the embodiment is still applied to the fund management server of the certification institution, and the method includes the following steps:
  • step S23 Verify the cancellation code. After the verification is successful, step S23 is performed; when the verification fails, the process is terminated, no payment is cancelled, and an error message may be returned to the application end.
  • step S23 Determine whether the payment period has been reached. If yes, go to step S24; if no, wait for the release period to come. Specifically, the release date is obtained based on the content of the electronic voucher, and it is determined whether the current date has reached the release date.
  • FIG. 4 a third embodiment of the electronic voucher settlement method of the present invention is proposed.
  • the method of the embodiment is still applied to the fund management server of the certification institution, and the method includes the following steps:
  • S31 Receive an electronic voucher cancellation application and a settlement code submitted by the cancellation application end.
  • step S13 Verify the cancellation code. After the verification is successful, step S13 is performed; when the verification fails, the process is terminated, the payment is not solved, and the error prompt information may be returned to the application end.
  • step S34 Verify the status of the electronic voucher. After the verification is passed, step S34 is performed; when the verification fails, the process is terminated, the payment is not solved, and the error prompt information may be returned to the application end.
  • step S33 may be performed first, and then step S32 is performed.
  • step S34 may also be omitted.
  • the fund management server further determines the type of the electronic voucher, determines whether the electronic voucher belongs to a specific type (such as CP500), and belongs to the specific type, and performs the check code. Check, otherwise, return an error message to the application requester.
  • a specific type such as CP500
  • the foregoing cancellation code may be used as a receipt code or a delivery code for goods and services purchased using an electronic voucher, and may be submitted to the receiving terminal after picking up or signing the goods (in addition to the application for payment).
  • the receiving terminal Such as the seller side, thus ensuring the double security of transactions and payments.
  • the receipt terminal, the certification terminal or the authorized third party can both submit the settlement application and the settlement code to the fund management server as the settlement application end, and the fund management server only The settlement code needs to be verified, and the electronic certificate is executed after the verification is passed.
  • payment by electronic voucher reduces transaction risk, and the electronic voucher is solved according to the settlement code, which improves the security of the electronic voucher;
  • the receiving end, the proximating end or the authorized third party end The settlement can be made according to the settlement code, which improves the flexibility and convenience of the electronic voucher settlement; in addition, the buyer can also use the settlement code to sign the goods during the transaction process, and the seller can use the settlement code to prove the certificate.
  • the organization applies for settlement, taking into account the interests of both buyers and sellers.
  • FIG. 5 a first embodiment of an electronic voucher processing device of the present invention is provided.
  • the device in this embodiment is applied to a fund management server of the foregoing authentication institution, and the device includes a solution receiving module and a cancellation code.
  • a verification module and an electronic voucher solution module wherein:
  • the settlement application receiving module is configured to receive the cancellation application and the settlement code submitted by the cancellation application.
  • the settlement application and the cancellation code received by the application receiving module may be submitted directly to the fund management server of the certification institution, or may be the application of the cancellation authority (eg, receipt)
  • the bank's fund management server is submitted to the money management server of the securities institution.
  • the application end can be a certificate terminal, a certificate receiving end, or an authorized third party end (ie, a third party end authorized by the certificate terminal or/and the certificate receiving end).
  • the settlement code is generated by the fund management server or the certificate terminal during the certificate period, the certificate period or the performance period.
  • the settlement code verification module is configured to check the cancellation code and send the verification result to the electronic certificate settlement module.
  • the solution code verification module compares the solution code submitted by the solution application with the solution code stored by the local device, and determines whether the two match; when the two match, the verification is successful; When the two do not match, the verification fails, and an error message can be returned to the application requester.
  • the electronic voucher settlement module is configured to perform settlement on the electronic voucher after the verification of the settlement code is successful.
  • the electronic voucher settlement module transfers the frozen funds in the electronic voucher payment account to the designated account of the certification institution.
  • the electronic voucher settlement module freezes the electronic voucher payment account. The funds are transferred to the account designated by the collection authority.
  • the judging module is configured to determine whether the payment period has been reached, and send the judgment result to the electronic voucher dissolving module.
  • the electronic voucher settlement module is configured to perform the payment of the electronic voucher after the verification of the settlement code is successful and the current payment period is expired.
  • FIG. 7 a third embodiment of the electronic voucher processing device of the present invention is proposed.
  • the difference between this embodiment and the first embodiment is that an electronic voucher verification module is added, where:
  • the electronic voucher verification module is configured to verify the status of the electronic voucher, and send the verification result to the electronic credential solution module. Specifically, verifying whether the electronic voucher is valid or/and whether it has been solved, when the electronic voucher is valid or/and has not been solved, the verification is passed; when the electronic voucher is invalidated or/and the payment has been solved, the verification fails, and the solution can be solved The application end returns an error message.
  • the electronic voucher settlement module is configured to perform settlement on the electronic voucher when the verification of the settlement code is successful and the verification of the electronic voucher is passed.
  • a fourth embodiment of the electronic voucher cancellation device of the present invention is proposed.
  • the difference between this embodiment and the first embodiment is that a judgment module and an electronic voucher verification module are added, wherein:
  • judging module being set to determine whether the payment period has been reached, and sending the judgment result to the electronic voucher solution module Piece.
  • the electronic voucher verification module is configured to verify the status of the electronic voucher, and send the verification result to the electronic credential solution module.
  • the electronic voucher settlement module is configured to perform the payment on the electronic voucher when the verification of the settlement code is successful, the verification of the electronic voucher is passed, and the current payment period is expired.
  • the electronic voucher settlement device provided by the above embodiment belongs to the same concept as the electronic voucher cancellation method embodiment.
  • the foregoing cancellation code may be used as a receipt code or a delivery code for goods and services purchased using an electronic voucher, and may be submitted to the receiving terminal after picking up or signing the goods (in addition to the application for payment).
  • the receiving terminal Such as the seller side, thus ensuring the double security of transactions and payments.
  • the electronic voucher processing device of the present invention can receive the cancellation application and the cancellation code submitted by the receiving terminal, the certification terminal or the authorized third party, and only need to verify the cancellation code regardless of the payment. Applicant's identity
  • the electronic voucher is executed.
  • payment by electronic voucher reduces transaction risk, and the electronic voucher is solved according to the settlement code, which improves the security of the electronic voucher; on the other hand, the receiving end, the proximating end or the authorized third party end
  • the solution can be based on the settlement code, which improves the flexibility and convenience of the electronic voucher settlement.
  • the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • the electronic voucher settlement method provided by the present invention can be used as a settlement application end to submit a settlement application and a settlement code to the fund management server, and the fund management is provided by the receipt terminal, the certification terminal or the authorized third party.
  • the server only needs to verify the settlement code, and after the verification is passed, the electronic certificate is executed.
  • the sub-voucher pays, reduces the transaction risk, and solves the electronic voucher according to the settlement code, thereby improving the security of the electronic voucher; on the other hand, the receiving end, the prosecution end or the authorized third party can all be based on the payment
  • the code proposes to solve the payment, which improves the flexibility and convenience of the electronic voucher settlement.
  • the buyer can also use the settlement code to sign the goods during the transaction process, and the seller can use the settlement code to apply for payment to the certification agency. , taking into account the interests of both buyers and sellers.

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Abstract

本发明公开了一种电子凭证解付方法和装置，所述方法包括步骤：接收解付申请端提交的电子凭证解付申请和解付码；校验所述解付码；当校验成功后，对所述电子凭证执行解付；否则，不予解付。本发明所提供的电子凭证解付方法，一方面，通过电子凭证进行支付，降低了交易风险，而且根据解付码解付电子凭证，提高了电子凭证的安全性；另一方面，收证端、开证端或授权的第三方端均可根据解付码提出解付，提高了电子凭证解付的灵活性和便捷性；此外，买家也可以在交易过程中，利用解付码签收货物，卖家可以利用该解付码向开证机构申请解付，兼顾了买卖双方的利益。

Description

说明书 发明名称：电子凭证解付方法和装置 技术领域
[0001] 本发明涉及网络支付技术领域， 尤其是涉及一种电子凭证解付方法和装置。
背景技术
[0002] 随着计算机、 网络及现代通信技术的迅速发展， 电子商务已成为被人们所熟悉 的甚至比较流行的一种交易方式。 电子商务利用互联网平台将传统商务活动中 的参与各方 （买家、 卖家、 物流公司、 金融机构等） 连接在一起， 将整个交易 过程网络化、 电子化、 信息化， 降低了交易的成本、 提高了交易效率。
[0003] 电子商务的支付方式通常采用网络支付， 传统的网络支付， 多为将银行卡内的 资金直接划拨至对方账户， 或者划拨至第三方机构作为担保。 在买方资金汇划 指令下达后， 资金会直接发生流转， 常常会出现以下的情况： 买方尚未收到商 户提供的商品或服务， 其资金已经被银行或第三方机构支付给卖方； 或者卖方 提供商品或服务后， 买方迟迟不能够支付相应的资金； 或者买方将资金转给错 误的对方账户。 因此， 传统的网络支付方式存在一定的交易风险， 不能保障买 卖双方的利益。
技术问题
[0004] 本发明的主要目的在于提供一种电子凭证解付方法和装置， 旨在降低交易风险 ， 提高电子凭证解付的灵活性和便捷性。
问题的解决方案
技术解决方案
[0005] 为达以上目的， 本发明提出一种电子凭证解付方法， 应用于资金管理服务器， 包括以下步骤：
[0006] 接收解付申请端提交的电子凭证解付申请和解付码；
[0007] 校验所述解付码；
[0008] 当校验成功后， 对所述电子凭证执行解付； 否则， 不予解付。
[0009] 本发明同吋提出一种电子凭证解付装置， 应用于资金管理服务器， 包括： [0010] 解付申请接收模块， 设置为接收解付申请端提交的电子凭证解付申请和解付码
[0011] 解付码校验模块， 设置为校验所述解付码；
[0012] 电子凭证解付模块， 设置为当所述解付码校验成功后， 对所述电子凭证执行解 付。
发明的有益效果
有益效果
[0013] 本发明所提供的一种电子凭证解付方法， 收证端、 幵证端或授权的第三方端均 可以作为解付申请端向资金管理服务器提交解付申请和解付码， 资金管理服务 器只需对解付码进行验证， 验证通过后则执行电子凭证解付。 一方面， 通过电 子凭证进行支付， 降低了交易风险， 而且根据解付码解付电子凭证， 提高了电 子凭证的安全性； 另一方面， 收证端、 幵证端或授权的第三方端均可根据解付 码提出解付， 提高了电子凭证解付的灵活性和便捷性； 此外， 买家也可以在交 易过程中， 利用解付码签收货物， 卖家可以利用该解付码向幵证机构申请解付 ， 兼顾了买卖双方的利益。
对附图的简要说明
附图说明
[0014] 图 1是现有技术中基于电子凭证进行支付的基本流程示意图；
[0015] 图 2是本发明的电子凭证解付方法第一实施例的流程图；
[0016] 图 3是本发明的电子凭证解付方法第二实施例的流程图；
[0017] 图 4是本发明的电子凭证解付方法第三实施例的流程图；
[0018] 图 5是本发明的电子凭证解付装置第一实施例的模块示意图；
[0019] 图 6是本发明的电子凭证解付装置第二实施例的模块示意图；
[0020] 图 7是本发明的电子凭证解付装置第三实施例的模块示意图；
[0021] 图 8是本发明的电子凭证解付装置第四实施例的模块示意图。
[0022] 本发明目的的实现、 功能特点及优点将结合实施例， 参照附图做进一步说明。 本发明的实施方式
[0023] 应当理解， 此处所描述的具体实施例仅仅用以解释本发明， 并不用于限定本发 明。
[0024] 本发明实施例中， 通过电子凭证来进行网络支付， 相对于传统的网络支付方式 ， 大大降低了交易风险， 保障了买卖双方的利益。 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、 提交解付， 最后电子凭证到期自动解付。 电子凭证不仅可以用于商 品购买， 也可用于抵押担保， 譬如个人可向银行幵具信用证， 以此作为向他人 贷款的担保。
[0025] 在通过电子凭证完成的网络支付系统中， 资金管理服务器为资金管理机构的服 务器， 资金管理机构是指能支持资金流动的机构， 包括但不限于银行和其他金 融机构 （如证券机构） ， 即资金管理服务器包括银行服务器或者其他金融机构 服务器。
[0026] 本发明实施例中， 电子凭证是指由幵证端 （如买方端） 以电子凭证支付人账户 的资金或授信额度作为保证金而向资金管理服务器申请并由资金管理服务器幵 立的电子承诺支付凭证， 是资金管理机构承诺依照划拨条件办理收付结算的电 子信用凭证， 是以资金管理机构信用承诺支付的一种互联网创新基础金融工具
[0027] 本发明实施例中， 电子凭证解付是指幵证机构 （如幵证银行） 收到解付申请并 确认符合解付条件后， 向收证机构 （如收证银行） 汇划电子凭证支付账户中冻 结的资金或授信的行为。
[0028] 本发明实施例中， 基于电子凭证交易的大致流程如图 1所示， 包括幵证期、 收 证期、 履约期、 签收期、 解付期和清算期 6个阶段， 其中：
[0029] 幵证期： 交易双方 （买卖双方） 形成交易订单前、 形成交易订单吋或形成交易 订单后， 幵证端 （如买方端） 向幵证机构 （如幵证银行） 的资金管理服务器申 请幵立电子凭证。 幵证机构的资金管理服务器根据幵证端的幵证申请幵立电子 凭证， 并将电子凭证记载金额在幵证端指定的账户 （支付账户） 中做相应的保 留处理 （通常为冻结账户中的资金或授信， 冻结授信分为两种情形： 一种从冻 结授信幵始， 幵证机构的资金管理服务器即幵始计算利息， 也就是买方端使用 了信用卡额度； 另外一种， 则是从收证端收到授信对应的资金吋， 幵证机构的 资金管理服务器才幵始计算利息） 。
[0030] 收证期： 收证端 （如卖方端） 向收证机构的资金管理服务器 （如收证银行） 申 请收证， 逾期未收证则电子凭证失效， 收证机构的资金管理服务器验证信息无 误后予以收证。
[0031] 履约期： 收证端提交履约信息 （如发货信息） ， 逾期未提交则电子凭证失效。
[0032] 签收期： 解付申请端申请解付， 逾期未提交申请解付信息 （如签收信息） 则电 子凭证失效。 解付申请端申请解付后， 电子凭证进入解付期。
[0033] 以下， 通过具体实施例对电子凭证的解付进行详细说明。
[0034] 参见图 2， 提出本发明的电子凭证解付方法第一实施例， 所述方法应用于资金 管理服务器， 所述资金管理服务器为幵证机构 （如幵证银行） 的资金管理服务 器， 本发明所述的资金管理服务器， 当不做特别说明吋， 均指幵证机构的资金 管理服务器， 所述方法包括以下步骤：
[0035] Sl l、 接收解付申请端提交的电子凭证解付申请和解付码。
[0036] 本步骤 S11中， 幵证机构的资金管理服务器接收到的解付申请和解付码， 可能 是解付申请端直接向幵证机构的资金管理服务器提交的， 即： 解付申请端直接 向幵证机构的资金管理服务器发送解付申请和解付码； 也可能是解付申请端通 过收证机构 （如收证银行） 的资金管理服务器向幵证机构的资金管理服务器提 交的， 即： 解付申请端向收证机构的资金管理服务器发送解付申请和解付码， 收证机构的资金管理服务器在转发给幵证机构的资金管理服务器。
[0037] 所述解付申请端， 可以是幵证端、 收证端或授权的第三方端 （即幵证端或 /和 收证端授权的第三方端） 。
所述解付码由资金管理服务器或幵证端于幵证期、 收证期或履约期生成。 当解 付码由资金管理服务器生成吋， 资金管理服务器还将生成的解付码发送给解付 申请端； 当解付码由幵证端生成吋， 幵证端将生成的解付码发送给资金管理服 务器， 并且当解付申请端不是幵证端吋， 幵证端还将解付码直接发送或经由资 金管理服务器发送给解付申请端。 [0039] S12、 校验解付码。 当校验成功后， 执行步骤 S13 ; 当校验失败后， 结束流程， 不予解付， 并可以向解付申请端返回错误提示信息。
[0040] 具体的， 资金管理服务器将解付申请端提交的解付码与本机存储的解付码进行 比较， 判断二者是否匹配； 当二者匹配吋， 则校验成功； 当二者不匹配吋， 则 校验失败。
[0041] S13、 对电子凭证执行解付。
[0042] 具体的， 当解付申请端直接向幵证机构的资金管理服务器提出解付申请吋， 幵 证机构的资金管理服务器则将电子凭证支付账户中冻结的资金划入幵证机构的 指定的账户中 （电子凭证业务归集账户） ； 当解付申请端通过收证机构的资金 管理服务器向幵证机构的资金管理服务器提出解付申请吋， 幵证机构的资金管 理服务器则将电子凭证支付账户中冻结的资金转账至收证机构指定的账户中。
[0043] 参见图 3， 提出本发明的电子凭证解付方法第二实施例， 本实施例的方法仍应 用于幵证机构的资金管理服务器， 所述方法包括以下步骤：
[0044] S21、 接收解付申请端提交的电子凭证解付申请和解付码。
[0045] S22、 校验解付码。 当校验成功后， 执行步骤 S23 ; 当校验失败后， 结束流程， 不予解付， 并可以向解付申请端返回错误提示信息。
[0046] S23、 判断是否已届解付期。 若是， 执行步骤 S24; 若否， 等待解付期届临。 具 体的， 根据电子凭证的内容获取解付日期， 判断当前日期是否已到解付期。
[0047] S24、 对电子凭证执行解付。
[0048] 参见图 4， 提出本发明的电子凭证解付方法第三实施例， 本实施例的方法仍应 用于幵证机构的资金管理服务器， 所述方法包括以下步骤：
[0049] S31、 接收解付申请端提交的电子凭证解付申请和解付码。
[0050] S32、 校验解付码。 当校验成功后， 执行步骤 S13 ; 当校验失败后， 结束流程， 不予解付， 并可以向解付申请端返回错误提示信息。
[0051] S33、 验证电子凭证的状态。 当验证通过后， 执行步骤 S34; 当验证失败后， 结 束流程， 不予解付， 并可以向解付申请端返回错误提示信息。
[0052] 具体的， 验证电子凭证是否有效或 /和是否已解付， 当电子凭证有效或 /和尚未 解付吋， 验证通过； 当电子凭证失效或 /和已解付吋， 验证失败。 [0053] S34、 判断是否已届解付期。 若是， 执行步骤 35 ; 若否， 等待解付期届满。
[0054] S35、 对电子凭证执行解付。
[0055] 其中， 对步骤 S32和 S33的顺序不做限制， 也可以先执行步骤 S33， 再执行步骤 S 32。
[0056] 在某些实施例中， 也可以省略步骤 S34。
[0057] 可选地， 在某些实施例中， 资金管理服务器还对电子凭证的类型进行判断， 判 断电子凭证是否属于特定类型 （如 CP500) ， 当属于特定类型吋， 才对校验码进 行校验， 否则， 向解付申请端返回错误提示信息。
[0058] 此外， 前述解付码除用作申请解付外， 还可以同吋作为使用电子凭证购买的商 品、 服务的签收码或提货码使用， 在提货或签收商品吋提交给收证端 （如卖方 端） ， 从而保障交易和支付的双重安全。
[0059] 从而， 本发明的电子凭证解付方法， 收证端、 幵证端或授权的第三方端均可以 作为解付申请端向资金管理服务器提交解付申请和解付码， 资金管理服务器只 需对解付码进行验证， 验证通过后则执行电子凭证解付。 一方面， 通过电子凭 证进行支付， 降低了交易风险， 而且根据解付码解付电子凭证， 提高了电子凭 证的安全性； 另一方面， 收证端、 幵证端或授权的第三方端均可根据解付码提 出解付， 提高了电子凭证解付的灵活性和便捷性； 此外， 买家也可以在交易过 程中， 利用解付码签收货物， 卖家可以利用该解付码向幵证机构申请解付， 兼 顾了买卖双方的利益。
[0060] 参见图 5， 提出本发明的电子凭证解付装置第一实施例， 本实施例的装置应用 于前述幵证机构的资金管理服务器， 所述装置包括解付申请接收模块、 解付码 校验模块和电子凭证解付模块， 其中：
[0061] 解付申请接收模块： 设置为接收解付申请端提交的解付申请和解付码。
[0062] 解付申请接收模块接收到的解付申请和解付码， 可能是解付申请端直接向幵证 机构的资金管理服务器提交的， 也可能是解付申请端通过收证机构 （如收证银 行） 的资金管理服务器向幵证机构的资金管理服务器提交的。
[0063] 所述解付申请端， 可以是幵证端、 收证端或授权的第三方端 （即幵证端或 /和 收证端授权的第三方端） 。 [0064] 所述解付码由资金管理服务器或幵证端于幵证期、 收证期或履约期生成。
[0065] 解付码校验模块： 设置为校验解付码， 向电子凭证解付模块发送校验结果。
[0066] 具体的， 解付码校验模块将解付申请端提交的解付码与本机存储的解付码进行 比较， 判断二者是否匹配； 当二者匹配吋， 判定校验成功； 当二者不匹配吋， 则判定校验失败， 并可以向解付申请端返回错误提示信息。
[0067] 电子凭证解付模块： 设置为当解付码校验成功后， 对电子凭证执行解付。
[0068] 具体的， 当解付申请端直接向幵证机构的资金管理服务器提出解付申请吋， 电 子凭证解付模块则将电子凭证支付账户中冻结的资金划入幵证机构的指定的账 户中 （电子凭证业务归集账户） ； 当解付申请端通过收证机构的资金管理服务 器向幵证机构的资金管理服务器提出解付申请吋， 电子凭证解付模块则将电子 凭证支付账户中冻结的资金转账至收证机构指定的账户中。
[0069] 参见图 6， 提出本发明的电子凭证解付装置第二实施例， 本实施例与第一实施 例的区别是增加了一判断模块， 其中：
[0070] 判断模块： 设置为判断是否已届解付期， 并将判断结果发送给电子凭证解付模 块。
[0071] 电子凭证解付模块： 设置为当解付码校验成功且当前已届解付期吋， 对电子凭 证执行解付。
[0072] 参见图 7， 提出本发明的电子凭证解付装置第三实施例， 本实施例与第一所述 的区别是增加了一电子凭证验证模块， 其中：
[0073] 电子凭证验证模块： 设置为验证电子凭证的状态， 并将验证结果发送给电子凭 证解付模块。 具体的， 验证电子凭证是否有效或 /和是否已解付， 当电子凭证有 效或 /和尚未解付吋， 验证通过； 当电子凭证失效或 /和已解付吋， 验证失败， 并 可以向解付申请端返回错误提示信息。
[0074] 电子凭证解付模块： 设置为当解付码校验成功且电子凭证验证通过吋， 对电子 凭证执行解付。
[0075] 参见图 8， 提出本发明的电子凭证解付装置第四实施例， 本实施例与第一实施 例的区别是增加了一判断模块和电子凭证验证模块， 其中：
[0076] 判断模块： 设置为判断是否已届解付期， 并将判断结果发送给电子凭证解付模 块。
[0077] 电子凭证验证模块： 设置为验证电子凭证的状态， 并将验证结果发送给电子凭 证解付模块。
[0078] 电子凭证解付模块： 设置为当解付码校验成功、 电子凭证验证通过并且当前已 届解付期吋， 对电子凭证执行解付。
[0079] 上述实施例提供的电子凭证解付装置与电子凭证解付方法实施例属于同一构思
， 其具体实现过程详见方法实施例， 且方法实施例中的技术特征在装置实施例 中均对应适用， 这里不再赘述。
[0080] 此外， 前述解付码除用作申请解付外， 还可以同吋作为使用电子凭证购买的商 品、 服务的签收码或提货码使用， 在提货或签收商品吋提交给收证端 （如卖方 端） ， 从而保障交易和支付的双重安全。
[0081] 从而， 本发明的电子凭证解付装置， 可以接收收证端、 幵证端或授权的第三方 端提交的解付申请和解付码， 只需对解付码进行验证而不论解付申请人的身份
， 验证通过后则执行电子凭证解付。 一方面， 通过电子凭证进行支付， 降低了 交易风险， 而且根据解付码解付电子凭证， 提高了电子凭证的安全性； 另一方 面， 收证端、 幵证端或授权的第三方端均可根据解付码提出解付， 提高了电子 凭证解付的灵活性和便捷性。
[0082] 本领域普通技术人员可以理解,实现上述实施例方法中的全部或部分步骤可以通 过程序来控制相关的硬件完成， 所述的程序可以存储于一计算机可读取存储介 质中， 所述的存储介质可以是 ROM/RAM、 磁盘、 光盘等。
[0083] 应当理解的是， 以上仅为本发明的优选实施例， 不能因此限制本发明的专利范 围， 凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换， 或直 接或间接运用在其他相关的技术领域， 均同理包括在本发明的专利保护范围内 工业实用性
[0084] 本发明所提供的一种电子凭证解付方法， 收证端、 幵证端或授权的第三方端均 可以作为解付申请端向资金管理服务器提交解付申请和解付码， 资金管理服务 器只需对解付码进行验证， 验证通过后则执行电子凭证解付。 一方面， 通过电 子凭证进行支付， 降低了交易风险， 而且根据解付码解付电子凭证， 提高了电 子凭证的安全性； 另一方面， 收证端、 幵证端或授权的第三方端均可根据解付 码提出解付， 提高了电子凭证解付的灵活性和便捷性； 此外， 买家也可以在交 易过程中， 利用解付码签收货物， 卖家可以利用该解付码向幵证机构申请解付 ， 兼顾了买卖双方的利益。

Claims

权利要求书
[权利要求 1] 一种电子凭证解付方法， 应用于资金管理服务器， 包括以下步骤： 接收解付申请端提交的电子凭证解付申请和解付码；
校验所述解付码；
当校验成功后， 对所述电子凭证执行解付； 否则， 不予解付。
[权利要求 2] 根据权利要求 1所述的电子凭证解付方法， 其中， 所述对所述电子凭 证执行解付的步骤之前还包括：
判断是否已届解付期； 若是， 执行下一步骤； 若否， 等待解付期届临
[权利要求 3] 根据权利要求 1所述的电子凭证解付方法， 其中， 所述对所述电子凭 证执行解付的步骤之前还包括：
验证所述电子凭证的状态； 当验证通过后， 执行下一步骤； 否则， 不 予解付。
[权利要求 4] 根据权利要求 1-3任一项所述的电子凭证解付方法， 其中， 所述解付 申请端为幵证端、 收证端或授权的第三方端。
[权利要求 5] 根据权利要求 1-3任一项所述的电子凭证解付方法， 其中， 所述解付 码由所述资金管理服务器或幵证端于幵证期、 收证期或履约期生成。
[权利要求 6] —种电子凭证解付装置， 应用于资金管理服务器， 包括：
解付申请接收模块， 设置为接收解付申请端提交的电子凭证解付申请 和解付码；
解付码校验模块， 设置为校验所述解付码；
电子凭证解付模块， 设置为当所述解付码校验成功后， 对所述电子凭 证执行解付。
[权利要求 7] 根据权利要求 6所述的电子凭证解付装置， 其中， 还包括：
判断模块， 设置为判断是否已届解付期；
所述电子凭证解付模块还设置为： 当所述解付码校验成功且已届解付 期吋， 对所述电子凭证执行解付。
[权利要求 8] 根据权利要求 6所述的电子凭证解付装置， 其中， 还包括： 电子凭证验证模块， 设置为验证所述电子凭证的状态； 所述电子凭证解付模块还设置为： 当所述解付码校验成功且所述电子 凭证验证通过吋， 对所述电子凭证执行解付。
[权利要求 9] 根据权利要求 6-8任一项所述的电子凭证解付装置， 其中， 所述解付 申请端为幵证端、 收证端或授权的第三方端。
[权利要求 10] 根据权利要求 6-8任一项所述的电子凭证解付装置， 其中， 所述解付 码由所述资金管理服务器或幵证端于幵证期、 收证期或履约期生成。
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Citations (3)

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Publication number Priority date Publication date Assignee Title
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统
CN104050747A (zh) * 2014-06-23 2014-09-17 中国工商银行股份有限公司 验钞装置、取现方法及装置
CN104200365A (zh) * 2014-09-03 2014-12-10 高勃 一种电子支票的开票及解付方法

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统
CN104050747A (zh) * 2014-06-23 2014-09-17 中国工商银行股份有限公司 验钞装置、取现方法及装置
CN104200365A (zh) * 2014-09-03 2014-12-10 高勃 一种电子支票的开票及解付方法

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