WO2017012037A1 - 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
WO2017012037A1
WO2017012037A1 PCT/CN2015/084619 CN2015084619W WO2017012037A1 WO 2017012037 A1 WO2017012037 A1 WO 2017012037A1 CN 2015084619 W CN2015084619 W CN 2015084619W WO 2017012037 A1 WO2017012037 A1 WO 2017012037A1
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WO
WIPO (PCT)
Prior art keywords
electronic voucher
management server
settlement
electronic
application
Prior art date
Application number
PCT/CN2015/084619
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 CA2994571A priority Critical patent/CA2994571C/en
Priority to CN201580012881.1A priority patent/CN106164957A/zh
Priority to CA3012997A priority patent/CA3012997C/en
Priority to PCT/CN2015/084619 priority patent/WO2017012037A1/zh
Publication of WO2017012037A1 publication Critical patent/WO2017012037A1/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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • 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
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks

Definitions

  • the present invention relates to the field of electronic commerce technologies, and in particular, to an electronic vouchers solution 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 solution method and device, which aims to reduce transaction risk, improve the flexibility and convenience of electronic voucher payment, and simplify the payment process.
  • the present invention provides an electronic voucher settlement method, including the steps of:
  • the second fund management server forwards the at least two cancellation requests sent by the second participant to the same electronic certificate in succession to the first fund management server;
  • the first fund management server receives at least two cancellation applications, and determines, for each cancellation application, whether the cancellation application amount is less than or equal to the remaining amount of the electronic certificate, if the payment is If the application amount is less than or equal to the remaining amount of the electronic voucher, the electronic voucher is executed.
  • the present invention also provides an electronic voucher settlement method, which is applied to a first fund management server, including steps
  • the electronic voucher is executed.
  • the present invention also provides an electronic voucher settlement method, which is applied to a second fund management server, including steps
  • the settlement request is forwarded to the first fund management server.
  • the present invention also provides an electronic voucher settlement system, including a second participant, a first money management server, and a second money management server, wherein:
  • the second participant is configured to send at least two cancellation requests to the second fund management server for the same electronic certificate
  • the second fund management server is configured to forward the at least two settlement requests to the first fund management server
  • the first money management server is configured to receive at least two cancellation applications in succession, and determine, for each application for cancellation, whether the amount of the cancellation application is less than or equal to the remaining amount of the electronic certificate, and if
  • the present invention also provides an electronic voucher processing device, which is applied to a first fund management server, including a first receiving module and a solution module, wherein:
  • the first receiving module is configured to receive at least two cancellation requests sent by the second fund management server in succession for the same electronic certificate
  • the solution module is configured to determine, for each application for settlement, whether the amount of the application for cancellation is less than or equal to the remaining amount of the electronic certificate; and if yes, perform cancellation on the electronic certificate.
  • the present invention also provides an electronic voucher dispatching device, which is applied to a second fund management server, including a second a receiving module, a verification module, and a sending module, wherein:
  • the second receiving module is configured to receive at least two applications for the second electronic party to send the same electronic certificate in succession;
  • the verification module is configured to verify the settlement information included in the cancellation application for each application for cancellation
  • the sending module is configured to forward the settlement request to the first fund management server after the verification of the settlement information is passed.
  • the electronic document settlement method and device provided by the present invention on the one hand, the payment by the electronic voucher reduces the transaction risk; on the other hand, allows the same electronic voucher to be solved multiple times, that is, once The multiple settlements of the certificate ensure that the buyer does not need to establish a new electronic voucher to complete the next payment after completing a payment, which improves the convenience and flexibility of the use of the electronic voucher and simplifies the buyer's payment process.
  • the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.
  • the present invention can simplify the payment process and effectively ensure that the financial interests of the first party and the second party (e.g., buyers and sellers) are not impaired.
  • FIG. 1 is a schematic diagram of a basic flow based on an electronic voucher transaction in an embodiment of the present invention
  • 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 an embodiment of an electronic voucher dispatching system of the present invention.
  • FIG. 6 is a block diagram showing a first embodiment of an electronic voucher processing device of the present invention.
  • FIG. 7 is a block diagram showing a second embodiment of an electronic voucher processing device according to the present invention.
  • the fund management server is a server of the fund management institution, and the fund management institution refers to an organization capable of supporting capital flow, including but not limited to a bank and other financial institutions (such as a securities institution), that is, a fund management server. Includes bank servers or other financial institution servers.
  • the electronic voucher refers to an electronic commitment payment voucher that is applied by the buyer to the fund management server and is established by the fund management server by using the funds or the credit line of the electronic voucher payer account as the security deposit, which is the fund management.
  • the institution promises to handle the electronic credit vouchers for settlement and payment in accordance with the allocation conditions, which is an Internet innovation basic financial instrument paid by the fund management institution's credit commitment.
  • 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, submits the settlement application, and finally the electronic voucher expires automatically.
  • Electronic credential can be used not only for the purchase of goods, but also for mortgage guarantees, such as individuals who can use a letter of credit to a bank as a guarantee for loans to others.
  • 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 behavior of the funds associated with the voucher.
  • the decertification institution such as the Certified Bank
  • the collection institution such as the collection bank
  • the general process of performing network payment by using an electronic voucher is:
  • the first fund management server ie, the server of the securities institution, such as the bank of the bank
  • the second fund management server ie, the receiving institution, such as the server of the receiving bank
  • the second party passes the second fund management server to the first
  • the fund management server submits the settlement application
  • the first fund management server issues the electronic voucher according to the settlement application, so that the funds of the first participant associated with the electronic voucher are transferred to the second participant.
  • the entire transaction process includes several periods as shown in FIG. 1, including a prosecution period, a collection period, a performance period, a collection period, a disbursement period, and a clearing period, where:
  • the first party (such as the buyer) sends the first fund management server (before the first party and the second party) before forming the transaction order, forming a transaction order, or forming a transaction order ( That is, the certification agency, such as the server of the bank, applies for an electronic certificate.
  • the first money management server is based on buying The party's embarrassing certificate applies for the establishment of an electronic voucher, and the amount of the e-voucher recorded in the account designated by the first party is treated as a corresponding reservation (usually the funds or credits in the frozen account, and the freezing of the credit is divided into two situations: Starting from the freezing credit, the first fund management server starts to calculate interest, that is, the first party uses the credit card quota; the other is that the second party receives the funds corresponding to the credit, first The money management server begins to calculate interest).
  • Receiving period The second party (such as the seller) applies for the second fund management server (ie, the receiving institution, such as the server of the receiving bank) to apply for the certificate, and the electronic certificate fails after the overdue certificate is received. After the server verification information is correct, the certificate will be received.
  • the second fund management server ie, the receiving institution, such as the server of the receiving bank
  • Performance period The second participant submits performance information (such as shipping information), and if the deadline is not submitted, the electronic certificate fails.
  • Signing period The second party applies for settlement, and if the application fails to submit the payment information (such as the receipt information), the electronic certificate is invalid. After the second participant applies for payment, the electronic voucher enters the settlement period.
  • the second participant submits the application (at least twice) to the first voucher for the same electronic voucher through the second fund management server, for each payment.
  • the application, the first fund management server determines whether the amount of the cancellation application is less than or equal to the remaining amount of the electronic voucher, and if so, performs the payment on the electronic voucher.
  • the method includes the following steps:
  • step S11 after the second party (such as the seller) completes the transaction condition corresponding to the electronic voucher according to the payment condition of the electronic voucher, by logging in the corresponding webpage or opening the corresponding application, the electronic voucher is
  • the second fund management server forwards the nth settlement request to the first fund management server.
  • the second fund management server directly forwards the application to the first money management server.
  • the second fund management server acquires the settlement information in the cancellation application. , and verify the payment information.
  • the cancellation application is forwarded to the first fund management server; when the verification fails, the forwarding is not forwarded, and the second participant is notified that the verification fails, such as returning the error prompt information to the second participant.
  • the settlement information includes the second party identity information, the dynamic solution code or/and the cancellation password, and the like, such as: verifying whether the identity of the second party is true, and when the verification is forwarded to the first fund management server by forwarding the application, Otherwise an error message is returned.
  • the first fund management server verifies the electronic voucher corresponding to the cancellation request, and determines whether the amount of the cancellation application is less than or equal to the remaining amount of the electronic voucher.
  • step S14 is performed; when the settlement application amount is greater than the remaining amount of the electronic voucher, the process is terminated, no payment is cancelled, and an error may be sent to the second fund management server. Prompt message.
  • the remaining amount of the electronic voucher refers to the undissolved funds frozen in the account associated with the electronic voucher.
  • the account associated with the electronic voucher that is, the first party (such as the buyer) applies for the account designated as the guarantee specified by the electronic certificate.
  • the first fund management server further verifies the status of the electronic voucher, and verifies whether the electronic voucher is valid.
  • the error message is returned to the second fund management server; when the electronic voucher is valid and Step S14 is performed only after the settlement application amount is less than or equal to the remaining amount of the electronic voucher.
  • the order of verifying whether the electronic voucher is valid and judging whether the amount of the unpaid application is less than or equal to the remaining amount of the electronic voucher is not limited, such as: It can be verified whether the electronic voucher is valid first, and when the electronic voucher is valid, it is judged whether the requisitioned application amount is less than Or equal to the remaining amount of the electronic voucher; may also first determine whether the unpaid application amount is less than or equal to the remaining amount of the electronic voucher, and when the resolving application amount is less than or equal to the remaining amount of the electronic voucher, then verify whether the electronic voucher is valid.
  • step S 14 is performed. There is no restriction on the order in which the settlement information is verified and whether the electronic voucher is completely resolved.
  • the second fund management server and the first money management server may respectively verify a part of the settlement information, such as: the second fund management server verifies the identity of the second participant.
  • the first money management server verifies the settlement password.
  • the first money management server simultaneously verifies whether the settlement information and the electronic certificate are valid and judges Whether the cancellation application amount is less than or equal to the remaining amount of the electronic voucher.
  • the first fund management server updates the status of the electronic certificate to be solved, and may send a solution to the first participant. Pay the notice.
  • the first fund management server performs an nth cancellation on the electronic voucher.
  • the first fund management server partially unfreezes the frozen funds or the credit line in the account associated with the electronic voucher according to the amount of the application for cancellation (the unfreezing amount is equal to the amount of the application for cancellation), and transfers the thawed funds To the second fund management server, the second fund management server finally transfers the settlement funds to the account designated by the second participant.
  • the first fund management server updates the status of the electronic voucher to be applied for settlement, prepares to receive the next settlement request, and sends the update information to the second fund management server.
  • the electronic voucher has been completely solved (i.e., the remaining credit of the electronic voucher is zero)
  • the status of the updated electronic voucher is released, and the update information is transmitted to the second fund management server.
  • step S14 After the step S14 is completed, the process returns to the step S1, and the next electronic voucher cancellation process is continued until the electronic certificate is completely solved.
  • the funds that are solved each time may be preset, and each time a certain amount of funds is released, the funds that need to be disbursed in the current time may be specified in each application for cancellation.
  • a second embodiment of the electronic voucher settlement method of the present invention is proposed.
  • the method of this embodiment is applied to the foregoing first fund management server, and the method includes the following steps:
  • the second participant sends the nth payment to the second fund management server by logging in the corresponding webpage or initiating the corresponding application.
  • step S22 Verify the electronic voucher corresponding to the cancellation request, and determine whether the cancellation application amount is less than or equal to the remaining amount of the electronic voucher.
  • step S23 is performed; when the settlement application amount is greater than the remaining amount of the electronic voucher, the process is terminated, no payment is cancelled, and an error may be sent to the second fund management server. Prompt message.
  • the first fund management server further verifies the status of the electronic voucher, and verifies whether the electronic voucher is valid. When the electronic voucher is invalid, the error message is returned to the second fund management server; when the electronic voucher is valid and After the payment of the application amount is less than or equal to the remaining amount of the electronic voucher, the step s is performed.
  • Step S23 is performed only if the remaining amount of the electronic voucher is less than or equal to ⁇ .
  • the settlement information is verified and the settlement of the application amount is less than or equal to the remaining amount of the electronic certificate.
  • the second fund management server and the first money management server may respectively verify a part of the settlement information, such as: the second fund management server verifies the identity of the second participant.
  • the first money management server verifies the settlement password.
  • the first money management server simultaneously verifies the settlement information and the electronic voucher and determines whether the cancellation application amount is less than or equal to the remaining amount of the electronic voucher.
  • the first fund management server updates the status of the electronic voucher to be released, and may send a settlement notice to the buyer. .
  • the first fund management server partially unfreeze the frozen funds or the credit line in the account associated with the electronic voucher according to the amount of the cancellation application, and transfers the thawed funds to the second fund management server, and second The fund management server will eventually transfer the funds to the account designated by the second party.
  • the first fund management server updates the status of the electronic voucher to be applied for settlement, prepares for the next settlement, and sends the update information to the second fund management server.
  • the electronic voucher has been completely cancelled (i.e., the remaining credit of the electronic voucher is zero)
  • the status of the updated electronic voucher is released, and the update information is transmitted to the second fund management server.
  • step S23 After step S23 is completed, the process returns to step S21, and the next electronic voucher settlement process is continued until the electronic certificate is completely solved.
  • FIG. 4 a third embodiment of the electronic voucher settlement method of the present invention is presented, and the method of the embodiment is applied.
  • the method includes the following steps:
  • S31 Receive at least two cancellation requests that are sent by the second participant in succession with the same electronic certificate.
  • step S32 Verify, for each payment request, the settlement information included in the cancellation application.
  • step S33 is performed; when the verification fails, step S34 is performed.
  • the settlement information includes second party identity information, a dynamic solution code or/and a settlement password, and the like.
  • the electronic voucher settlement method of the present invention allows multiple cancellations of the same electronic voucher, that is, multiple settlements of a single certificate, so that the buyer does not need to set up a new electronic voucher after completing a payment. Completing the next payment improves the convenience and flexibility of the use of electronic voucher and simplifies the buyer's payment process. At the same time, the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.
  • an embodiment of an electronic voucher dispatching system of the present invention includes a first participant, a second participant, a first fund management server, and a second fund management server, wherein:
  • the first participant is set to apply for a certificate to the first fund management server, and apply for an electronic certificate
  • the second fund management server is configured to forward the at least two settlement requests sent by the second participant to the same electronic certificate in succession to the first fund management server.
  • the second fund management server directly forwards the request to the first money management server.
  • the second fund management server acquires the settlement information in the cancellation application, and verifies the settlement information.
  • the application for the payment is forwarded to the first money management server; when the verification fails, the forwarding is not forwarded, and the second participant is notified that the verification fails, such as returning an error message to the second participant.
  • the settlement information includes second party identity information, a dynamic settlement code or/and a settlement password, and the like.
  • the first fund management server is configured to receive at least two cancellation requests for the same electronic certificate in succession, and determine, for each cancellation application, whether the cancellation application amount is less than or equal to the remaining amount of the electronic certificate. When the amount of the application is less than or equal to the remaining amount of the electronic voucher, the settlement is executed; If the remaining amount of the electronic voucher is greater than ⁇ , the payment is not cancelled, and the settlement notice is sent to the second fund management server.
  • the remaining amount of the electronic voucher refers to the undissolved funds frozen in the account associated with the electronic voucher.
  • the account associated with the electronic voucher that is, the first party to apply for the account designated by the electronic voucher.
  • the first fund management server further verifies the status of the electronic voucher, and verifies whether the electronic voucher is valid.
  • the error message is returned to the second fund management server; when the electronic voucher is valid and The payment of the electronic voucher is not performed until the amount of the application is less than or equal to the remaining amount of the electronic voucher.
  • the first fund management server further verifies the settlement information, and when the settlement information is verified and the cancellation application amount is less than or equal to The remaining amount of the electronic voucher is only executed for the electronic voucher.
  • the second fund management server and the first money management server may respectively verify a part of the settlement information, such as: the second fund management server verifies the identity of the second participant.
  • the first money management server verifies the settlement password.
  • the first money management server simultaneously verifies the settlement information and the electronic voucher and determines whether the cancellation application amount is less than or equal to the remaining amount of the electronic voucher.
  • the first fund management server updates the status of the electronic voucher to be released, and may send a settlement notice to the buyer. .
  • the first fund management server performs the settlement of the electronic voucher specifically: the first fund management server partially unfreezes the frozen funds or the credit line in the account associated with the electronic voucher according to the amount of the cancellation application, and the thawed funds Transfer to the second fund management server, the second fund management server will eventually transfer the funds to the account designated by the second party.
  • the first fund management server updates the status of the electronic voucher to be applied for settlement, prepares to receive the next settlement request, and sends the update information to the second fund management server.
  • the status of the electronic voucher is updated as resolved, and the update information is sent to the second fund management server.
  • a first embodiment of an electronic voucher processing device of the present invention is provided.
  • the device in this embodiment is applied to the first money management server, and the device includes a first receiving module and a dissolving module, where: 0101]
  • the first receiving module is configured to receive at least two cancellation requests sent by the second fund management server in succession for the same electronic certificate.
  • a solution module configured to determine, for each application for settlement, whether the amount of the application for cancellation is less than or equal to the remaining amount of the electronic certificate; if the amount of the application for cancellation is less than or equal to the remaining amount of the electronic certificate, executing the electronic certificate Solve.
  • the decryption module includes a verification unit and a solution unit, and the verification unit is configured to determine whether the electronic voucher cancellation application amount is less than or equal to the remaining amount of the electronic voucher, and send the determination result to the solution unit; In order to solve the payment, if the amount of the application is less than or equal to the remaining amount of the electronic voucher, the electronic voucher is executed.
  • the verification unit further verifies the status of the electronic voucher and sends the verification result to the dissolving unit.
  • the deciding unit executes the payment.
  • the verification unit further verifies the settlement information included in the cancellation application, and sends the verification result to the solution unit; when the settlement information is verified and the cancellation application amount is less than or equal to the remaining amount of the electronic certificate ⁇ , the payment unit performs the payment.
  • the verification unit simultaneously verifies the settlement information and the electronic voucher and determines whether the cancellation application amount is less than or equal to the remaining amount of the electronic voucher; when the settlement information is verified, the electronic voucher is valid, and the application amount is less than Or equal to the remaining amount of the electronic voucher, the settlement unit performs the settlement.
  • the execution unit performs the settlement, specifically: unfreezing the frozen funds or the credit line in the account associated with the electronic voucher according to the settlement application amount, and transferring the thawed funds to the second fund management server, and second The fund management server will eventually transfer the funds to the account designated by the second party.
  • the cancellation unit updates the status of the electronic voucher to be released, and may send a settlement notice to the buyer.
  • the undo unit updates the status of the electronic voucher to the pending payment, prepares for the next payment, and sends the update information to the second fund management server.
  • the verification unit determines that the electronic voucher has been completely solved (the remaining credit of the electronic voucher is zero)
  • the verification unit updates the status of the electronic voucher to be settled, and transmits the update information to the second fund management server.
  • a second embodiment of the electronic voucher processing device of the present invention is provided.
  • the device of this embodiment is applied to the foregoing second fund management server, and includes a second receiving module, a verification module, and a sending module, where
  • the second receiving module is configured to receive at least two cancellation requests that are sent by the second participant in succession for the same electronic certificate.
  • the verification module is configured to verify, for each payment request, the settlement information included in the settlement application, and the settlement information includes the second participant identity information, the dynamic settlement code or/and the cancellation password, and the like.
  • sending module configured to forward the settlement request to the first fund management server after the verification of the settlement information is passed; after the verification fails, the forwarding is not forwarded, and the second participant is notified to fail the verification, such as to the second The participant returns an error message.
  • the first money management server and the second money management server are the same money management server.
  • the electronic voucher dispensing device of the present invention allows multiple cancellations of the same electronic voucher, that is, multiple settlements of a single certificate, so that the buyer does not need to set up a new electronic voucher after completing a payment. Completing the next payment improves the convenience and flexibility of the use of electronic voucher and simplifies the buyer's payment process. At the same time, the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.
  • the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • the invention provides an electronic voucher cancellation method and device, on the one hand, the payment by the electronic voucher reduces the transaction risk; on the other hand, allows the same electronic voucher to be solved multiple times, that is, realizes one testimony
  • the second payment enables the buyer to complete the next payment without completing a new electronic voucher after completing a payment, which improves the convenience and flexibility of the use of the electronic voucher and simplifies the buyer's payment process.
  • the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.
  • the present invention can simplify the payment process and effectively ensure that the financial interests of the first party and the second party (e.g., buyers and sellers) are not impaired.

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
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  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
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  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

一种电子凭证解付方法和装置，所述方法包括步骤：第二资金管理服务器将第二参与方就同一电子凭证先后发送的至少两次解付申请先后转发给第一资金管理服务器；第一资金管理服务器先后接收至少两次解付申请，针对每次解付申请，判断解付申请金额是否小于或等于电子凭证的剩余金额，若是，则对电子凭证执行解付。所述电子凭证解付方法，一方面，通过电子凭证进行支付，降低了交易风险；另一方面，允许对同一电子凭证进行多次解付，即实现一次开证多次解付，使得买方在完成一次支付后，无需开立新的电子凭证来完成下一次支付。通过上述方式，简化了支付流程，有效保证第一参与方和第二参与方的资金利益不受损害。

Description

技术领域
[0001] 本发明涉及电子商务技术领域， 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 ， 提高电子凭证支付的灵活性和便捷性， 简化支付流程。
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， 包括步骤：
[0006] 第二资金管理服务器将第二参与方就同一电子凭证先后发送的至少两次解付申 请先后转发给第一资金管理服务器；
[0007] 所述第一资金管理服务器先后接收至少两次解付申请， 针对每次解付申请， 判 断所述解付申请金额是否小于或等于所述电子凭证的剩余金额， 若所述解付申 请金额小于或等于所述电子凭证的剩余金额， 则对所述电子凭证执行解付。 [0008] 本发明还提出一种电子凭证解付方法， 应用于第一资金管理服务器， 包括步骤
[0009] 先后接收第二资金管理服务器就同一电子凭证先后发送的至少两次解付申请； [0010] 针对每次解付申请， 判断所述解付申请金额是否小于或等于所述电子凭证的剩 余金额；
[0011] 若所述解付申请金额小于或等于所述电子凭证的剩余金额， 则对所述电子凭证 执行解付。
[0012] 本发明还提出一种电子凭证解付方法， 应用于第二资金管理服务器， 包括步骤
[0013] 先后接收第二参与方就同一电子凭证先后发送的至少两次解付申请， ；
[0014] 针对每次解付申请， 验证所述解付申请包含的解付信息；
[0015] 当验证通过后， 将所述解付申请转发给第一资金管理服务器。
[0016] 本发明同吋提出一种电子凭证解付系统， 包括第二参与方、 第一资金管理服务 器和第二资金管理服务器， 其中：
[0017] 所述第二参与方， 设置为就同一电子凭证先后向所述第二资金管理服务器发送 至少两次解付申请；
[0018] 所述第二资金管理服务器， 设置为将所述至少两次解付申请先后转发给所述第 一资金管理服务器；
[0019] 所述第一资金管理服务器， 设置为先后接收至少两次解付申请， 针对每次解付 申请， 判断所述解付申请金额是否小于或等于所述电子凭证的剩余金额， 若是
， 则对所述电子凭证执行解付。
[0020] 本发明同吋提出一种电子凭证解付装置， 应用于第一资金管理服务器， 包括第 一接收模块和解付模块， 其中：
[0021] 所述第一接收模块， 设置为先后接收第二资金管理服务器就同一电子凭证先后 发送的至少两次解付申请；
[0022] 所述解付模块， 设置为针对每次解付申请， 判断所述解付申请金额是否小于或 等于所述电子凭证的剩余金额； 若是， 则对所述电子凭证执行解付。
[0023] 本发明还提出一种电子凭证解付装置， 应用于第二资金管理服务器， 包括第二 接收模块、 验证模块和发送模块， 其中：
[0024] 所述第二接收模块， 设置为先后接收第二参与方就同一电子凭证先后发送的至 少两次解付申请；
[0025] 所述验证模块， 设置为针对每次解付申请， 验证所述解付申请包含的解付信息
[0026] 所述发送模块， 设置为当所述解付信息验证通过后， 将所述解付申请转发给第 一资金管理服务器。
发明的有益效果
有益效果
[0027] 本发明所提供的一种电子凭证解付方法和装置， 一方面， 通过电子凭证进行支 付， 降低了交易风险； 另一方面， 允许对同一电子凭证进行多次解付， 即实现 一次幵证多次解付， 使得买方在完成一次支付后， 无需幵立新的电子凭证来完 成下一次支付， 改善了电子凭证使用的便捷性和灵活性， 简化了买方的支付流 程。 同吋， 电子凭证所关联的资金冻结在买方自己的账户中， 既保障了买方资 金的安全， 又不影响买方的利息收益。 通过上述方式， 本发明能够简化支付流 程， 有效保证第一参与方和第二参与方 （如买卖双方） 的资金利益不受损害。 对附图的简要说明
附图说明
[0028] 图 1是本发明实施例中基于电子凭证交易的基本流程示意图；
[0029] 图 2是本发明的电子凭证解付方法第一实施例的流程图；
[0030] 图 3是本发明的电子凭证解付方法第二实施例的流程图；
[0031] 图 4是本发明的电子凭证解付方法第三实施例的流程图；
[0032] 图 5是本发明的电子凭证解付系统一实施例的模块示意图；
[0033] 图 6是本发明的电子凭证解付装置第一实施例的模块示意图；
[0034] 图 7是本发明的电子凭证解付装置第二实施例模块示意图。
[0035] 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
[0036] 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。
[0037] 本发明实施例中， 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。
[0038] 本发明实施例中， 电子凭证是指由买方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。 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、 提交解付申请， 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。
[0039] 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） 汇划电子凭证所关联的资金 的行为。
[0040] 本发明实施例中， 通过电子凭证进行网络支付的大致流程为： 第一资金管理服 务器 （即幵证机构如幵证银行的服务器） 根据第一参与方 （即幵证人） 的申请 幵立电子凭证， 第二资金管理服务器 （即收证机构如收证银行的服务器） 根据 第二参与方 （即收证人） 的申请受理收证， 第二参与方通过第二资金管理服务 器向第一资金管理服务器提交解付申请， 第一资金管理服务器根据解付申请解 付电子凭证， 使得电子凭证所关联的第一参与方的资金划转至第二参与方。
[0041] 本发明实施例中， 整个交易过程包括如图 1所示的几个吋期， 包括幵证期、 收 证期、 履约期、 签收期、 解付期和清算期， 其中：
[0042] 幵证期： 交易双方 （第一参与方和第二参与方） 形成交易订单前、 形成交易订 单吋或形成交易订单后， 第一参与方 （如买方） 向第一资金管理服务器 （即幵 证机构如幵证银行的服务器） 申请幵立电子凭证。 第一资金管理服务器根据买 方端的幵证申请幵立电子凭证， 并将电子凭证记载金额在第一参与方指定的账 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， 第一资金管理服务器即幵始计算利息， 也就是第 一参与方使用了信用卡额度； 另外一种， 则是从第二参与方收到授信对应的资 金吋， 第一资金管理服务器才幵始计算利息） 。
[0043] 收证期： 第二参与方 （如卖方） 向第二资金管理服务器 （即收证机构如收证银 行的服务器） 申请收证， 逾期未收证则电子凭证失效， 第二资金管理服务器验 证信息无误后予以收证。
[0044] 履约期： 第二参与方提交履约信息 （如发货信息） ， 逾期未提交则电子凭证失 效。
[0045] 签收期： 第二参与方申请解付， 逾期未提交申请解付信息 （如签收信息） 则电 子凭证失效。 第二参与方申请解付后， 电子凭证进入解付期。
[0046] 本发明的电子凭证解付方法， 第二参与方通过第二资金管理服务器向第一资金 管理服务器就同一电子凭证先后提出多次 （至少两次） 解付申请， 针对每次解 付申请， 第一资金管理服务器判断解付申请金额是否小于或等于电子凭证的剩 余金额， 若是， 则对电子凭证执行解付。
[0047] 以下， 通过具体实施例对电子凭证的解付进行详细说明。
[0048] 参见图 2， 提出本发明的电子凭证解付方法第一实施例， 所述方法包括以下步 骤：
[0049] Sl l、 第二参与方就同一电子凭证向第二资金管理服务器发送第 n次解付申请。
[0050] 本步骤 S11中， 第二参与方 （如卖方） 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， 通过登录相应的网页或幵启相应的应用， 就该电子凭证 向第二资金管理服务器发送第 n次解付申请， 其中 n=l,2,3...， 即第 1次解付申请
、 第 2次解付申请、 第 3次解付申请 ......。
[0051] S12、 第二资金管理服务器将第 n次解付申请转发给第一资金管理服务器。
[0052] 可选地， 第二资金管理服务器接收到解付申请后， 直接转发给第一资金管理服 务器。
[0053] 优选地， 第二资金管理服务器接收到解付申请后， 获取解付申请中的解付信息 ， 并对解付信息进行验证。 当验证通过后， 才转发解付申请给第一资金管理服 务器； 当验证失败后， 不予转发， 并通知第二参与方验证失败， 如向第二参与 方返回错误提示信息。 解付信息包括第二参与方身份信息、 动态解付码或 /和解 付口令等， 如： 验证第二参与方的身份是否真实， 当验证通过转发本次解付申 请给第一资金管理服务器， 否则返回错误提示信息。
[0054] S13、 第一资金管理服务器验证解付申请所对应的电子凭证， 判断解付申请金 额是否小于或等于电子凭证的剩余金额。 当解付申请金额小于或等于电子凭证 的剩余金额吋， 执行步骤 S14; 当解付申请金额大于电子凭证的剩余金额吋， 结 束流程， 不予解付， 并可以向第二资金管理服务器发送错误提示信息。
[0055] 电子凭证的剩余金额， 是指电子凭证所关联的账户中冻结的尚未解付的资金。
其中， 电子凭证所关联的账户， 即第一参与方 （如买方） 申请幵立电子凭证吋 所指定的作为担保的账户。
[0056] 可选地， 第一资金管理服务器还对电子凭证的状态进行验证， 验证电子凭证是 否有效， 当电子凭证无效吋， 则向第二资金管理服务器返回错误提示信息； 当 电子凭证有效且解付申请金额小于或等于电子凭证的剩余金额吋， 才执行步骤 S 14。 验证电子凭证是否有效和判断解付申请金额是否小于或等于电子凭证的剩 余金额的顺序不做限制， 如： 可以先验证电子凭证是否有效， 当电子凭证有效 吋， 再判断解付申请金额是否小于或等于电子凭证的剩余金额； 也可以先判断 解付申请金额是否小于或等于电子凭证的剩余金额， 当解付申请金额小于或等 于电子凭证的剩余金额吋， 再验证电子凭证是否有效。
[0057] 可选地， 当第二资金管理服务器没有验证解付申请所包含的解付信息吋， 第一 资金管理服务器还对解付信息进行验证， 当解付信息验证通过且电子凭证没有 完全解付吋， 才执行步骤 S 14。 验证解付信息和判断电子凭证是否完全解付的顺 序不做限制。
[0058] 可选地， 当解付信息至少有两个吋， 可以由第二资金管理服务器和第一资金管 理服务器分别验证一部分解付信息， 如： 第二资金管理服务器验证第二参与方 身份， 第一资金管理服务器验证解付口令。
[0059] 可选地， 第一资金管理服务器同吋验证解付信息和电子凭证是否有效以及判断 解付申请金额是否小于或等于电子凭证的剩余金额。
[0060] 进一步地， 当前述验证通过且判定解付申请金额小于或等于电子凭证的剩余金 额后， 第一资金管理服务器更新电子凭证的状态为待解付， 并可以向第一参与 方发送解付通知。
[0061] S14、 第一资金管理服务器对电子凭证执行第 n次解付。
[0062] 具体的， 第一资金管理服务器根据解付申请金额将电子凭证所关联的账户中冻 结的资金或授信额度部分解冻 （解冻额度等于解付申请额度） ， 并将解冻后的 资金划转至第二资金管理服务器， 第二资金管理服务器最终将解付资金划转至 第二参与方指定的账户。
[0063] 进一步地， 当电子凭证解付后， 第一资金管理服务器更新电子凭证的状态为待 申请解付， 准备接收下一次解付申请， 并向第二资金管理服务器发送更新信息 。 当步骤 S13中判定电子凭证已完全解付 （即电子凭证的剩余额度为零） 后， 更 新电子凭证的状态为已解付， 并向第二资金管理服务器发送更新信息。
[0064] 步骤 S14完成后返回步骤 Sl l， 继续进行下一次电子凭证解付流程， 直至电子凭 证完全解付。
[0065] 前述所述实施例中， 每次解付的资金可以预先设定， 每次等额解付一定的资金 ， 也可以在每次解付申请中指定当次需要的解付的资金。
[0066] 参见图 3， 提出本发明的电子凭证解付方法第二实施例， 本实施例的方法应用 于前述第一资金管理服务器， 所述方法包括以下步骤：
[0067] S21、 接收第二资金管理服务器就同一电子凭证发送的第 n次解付申请。
[0068] 具体的， 第二参与方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， 通过登录相应的网页或幵启相应的应用， 向第二资金管理服务器发送第 n解 付申请， 第二资金管理服务器再将第 n次解付申请转发给第一资金管理服务器， 其中 n=l,2,3...， 即第 1次解付申请、 第 2次解付申请、 第 3次解付申请 ......。
[0069] S22、 验证解付申请所对应的电子凭证， 判断解付申请金额是否小于或等于电 子凭证的剩余金额。 当解付申请金额小于或等于电子凭证的剩余金额吋， 执行 步骤 S23; 当解付申请金额大于电子凭证的剩余金额吋， 结束流程， 不予解付， 并可以向第二资金管理服务器发送错误提示信息。 [0070] 可选地， 第一资金管理服务器还对电子凭证的状态进行验证， 验证电子凭证是 否有效， 当电子凭证无效吋， 则向第二资金管理服务器返回错误提示信息； 当 电子凭证有效且解付申请金额小于或等于电子凭证的剩余金额吋， 才执行步骤 s
23。 验证电子凭证是否有效和判断解付申请金额是否小于或等于电子凭证的剩 余金额的顺序不做限制。
[0071] 可选地， 当第二资金管理服务器没有验证解付申请所包含的解付信息吋， 第一 资金管理服务器还对解付信息进行验证， 当解付信息验证通过且解付申请金额 小于或等于电子凭证的剩余金额吋， 才执行步骤 S23。 验证解付信息和判断解付 申请金额是否小于或等于电子凭证的剩余金额的顺序不做限制。
[0072] 可选地， 当解付信息至少有两个吋， 可以由第二资金管理服务器和第一资金管 理服务器分别验证一部分解付信息， 如： 第二资金管理服务器验证第二参与方 身份， 第一资金管理服务器验证解付口令。
[0073] 可选地， 第一资金管理服务器同吋验证解付信息和电子凭证以及判断解付申请 金额是否小于或等于电子凭证的剩余金额。
[0074] 进一步地， 当前述验证通过且判定解付申请金额小于或等于电子凭证的剩余金 额后， 第一资金管理服务器更新电子凭证的状态为待解付， 并可以向买方端发 送解付通知。
[0075] S23、 对电子凭证执行第 n次解付。
[0076] 具体的， 第一资金管理服务器根据解付申请金额将电子凭证所关联的账户中冻 结的资金或授信额度部分解冻， 并将解冻后的资金划转至第二资金管理服务器 ， 第二资金管理服务器最终将解付资金划转至第二参与方指定的账户。
[0077] 进一步地， 当电子凭证解付后， 第一资金管理服务器更新电子凭证的状态为待 申请解付， 准备进行下一次解付， 并向第二资金管理服务器发送更新信息。 当 步骤 S22中判定电子凭证已完全解付 （即电子凭证的剩余额度为零） 后， 更新电 子凭证的状态为已解付， 并向第二资金管理服务器发送更新信息。
[0078] 步骤 S23完成后返回步骤 S21， 继续进行下一次电子凭证解付流程， 直至电子凭 证完全解付。
[0079] 参见图 4， 提出本发明的电子凭证解付方法第三实施例， 本实施例的方法应用 于前述第二资金管理服务器， 所述方法包括以下步骤：
[0080] S31、 先后接收第二参与方就同一电子凭证先后发送的至少两次解付申请。
[0081] S32、 针对每次解付申请， 验证解付申请包含的解付信息。 当验证通过后， 执 行步骤 S33 ; 当验证失败后， 执行步骤 S34。
[0082] 所述解付信息包括第二参与方身份信息、 动态解付码或 /和解付口令等。
[0083] S33、 向第一资金管理服务器转发解付申请。
[0084] S34、 不予转发解付申请。 并可以向第二参与方返回错误提示信息。
[0085] 从而， 本发明的电子凭证解付方法， 允许对同一电子凭证进行多次解付， 即实 现一次幵证多次解付， 使得买方在完成一次支付后， 无需幵立新的电子凭证来 完成下一次支付， 改善了电子凭证使用的便捷性和灵活性， 简化了买方的支付 流程。 同吋， 电子凭证所关联的资金冻结在买方自己的账户中， 既保障了买方 资金的安全， 又不影响买方的利息收益。
[0086] 参见图 5， 提出本发明的电子凭证解付系统一实施例， 所述系统包括第一参与 方、 第二参与方、 第一资金管理服务器和第二资金管理服务器， 其中：
[0087] 第一参与方： 设置为向第一资金管理服务器提出幵证申请， 申请幵立电子凭证
[0088] 第二资金管理服务器： 设置为将第二参与方就同一电子凭证先后发送的至少两 次解付申请先后转发给第一资金管理服务器。
[0089] 可选地， 第二资金管理服务器接收到解付申请后， 直接转发给第一资金管理服 务器。
[0090] 优选地， 第二资金管理服务器接收到解付申请后， 获取解付申请中的解付信息 ， 并对解付信息进行验证。 当验证通过后， 才转发解付申请给第一资金管理服 务器； 当验证失败后， 不予转发， 并通知第二参与方验证失败， 如向第二参与 方返回错误提示信息。 解付信息包括第二参与方身份信息、 动态解付码或 /和解 付口令等。
[0091] 第一资金管理服务器： 设置为先后接收同一电子凭证的至少两次解付申请， 针 对每次解付申请， 判断解付申请金额是否小于或等于电子凭证的剩余金额。 当 解付申请金额小于或等于电子凭证的剩余金额吋， 执行解付； 当解付申请金额 大于电子凭证的剩余金额吋， 不予解付， 并向第二资金管理服务器发送已解付 通知。
[0092] 电子凭证的剩余金额， 是指电子凭证所关联的账户中冻结的尚未解付的资金。
其中， 电子凭证所关联的账户， 即第一参与方申请幵立电子凭证吋所指定的作 为担保的账户。
[0093] 可选地， 第一资金管理服务器还对电子凭证的状态进行验证， 验证电子凭证是 否有效， 当电子凭证无效吋， 则向第二资金管理服务器返回错误提示信息； 当 电子凭证有效且解付申请金额小于或等于电子凭证的剩余金额吋， 才对电子凭 证执行解付。 可选地， 当第二资金管理服务器没有验证解付申请所包含的解付 信息吋， 第一资金管理服务器还对解付信息进行验证， 当解付信息验证通过且 解付申请金额小于或等于电子凭证的剩余金额吋， 才对电子凭证执行解付。
[0094] 可选地， 当解付信息至少有两个吋， 可以由第二资金管理服务器和第一资金管 理服务器分别验证一部分解付信息， 如： 第二资金管理服务器验证第二参与方 身份， 第一资金管理服务器验证解付口令。
[0095] 可选地， 第一资金管理服务器同吋验证解付信息和电子凭证以及判断解付申请 金额是否小于或等于电子凭证的剩余金额。
[0096] 进一步地， 当前述验证通过且判定解付申请金额小于或等于电子凭证的剩余金 额后， 第一资金管理服务器更新电子凭证的状态为待解付， 并可以向买方端发 送解付通知。
[0097] 第一资金管理服务器对电子凭证执行解付具体为： 第一资金管理服务器根据解 付申请金额将电子凭证所关联的账户中冻结的资金或授信额度部分解冻， 并将 解冻后的资金划转至第二资金管理服务器， 第二资金管理服务器最终将解付资 金划转至第二参与方指定的账户。
[0098] 进一步地， 当电子凭证解付后， 第一资金管理服务器更新电子凭证的状态为待 申请解付， 准备接收下一次解付申请， 并向第二资金管理服务器发送更新信息 。 当判定电子凭证已完全解付 （即电子凭证的剩余额度为零） 后， 更新电子凭 证的状态为已解付， 并向第二资金管理服务器发送更新信息。
[0099] 上述实施例提供的电子凭证解付系统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系统实施例 中均对应适用， 这里不再赘述。
[0100] 参见图 6， 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 于前述第一资金管理服务器， 所述装置包括第一接收模块和解付模块， 其中： [0101] 第一接收模块： 设置为先后接收第二资金管理服务器就同一电子凭证先后发送 的至少两次解付申请。
[0102] 解付模块： 设置为针对每次解付申请， 判断解付申请金额是否小于或等于电子 凭证的剩余金额； 若解付申请金额小于或等于电子凭证的剩余金额， 则对电子 凭证执行解付。
[0103] 其中， 解付模块包括验证单元和解付单元， 验证单元设置为判断电子凭证解付 申请金额是否小于或等于电子凭证的剩余金额， 并将判断结果发送给解付单元 ； 解付单元设置为当解付申请金额小于或等于电子凭证的剩余金额吋， 对电子 凭证执行解付。
[0104] 可选地， 验证单元还对电子凭证的状态进行验证， 并向解付单元发送验证结果 ； 当电子凭证有效且解付申请金额小于或等于电子凭证的剩余金额吋， 解付单 元才执行解付。
[0105] 可选地， 验证单元还对解付申请包含的解付信息进行验证， 并向解付单元发送 验证结果； 当解付信息验证通过且解付申请金额小于或等于电子凭证的剩余金 额吋， 解付单元才执行解付。
[0106] 可选地， 验证单元同吋验证解付信息和电子凭证以及判断解付申请金额是否小 于或等于电子凭证的剩余金额； 当解付信息验证通过、 电子凭证有效且解付申 请金额小于或等于电子凭证的剩余金额吋， 解付单元才执行解付。
[0107] 解付单元执行解付具体为： 根据解付申请金额将电子凭证所关联的账户中冻结 的资金或授信额度解冻， 并将解冻后的资金划转至第二资金管理服务器， 第二 资金管理服务器最终将解付资金划转至第二参与方指定的账户。
[0108] 进一步地， 当前述验证通过且判定解付申请金额小于或等于电子凭证的剩余金 额后， 解付单元更新电子凭证的状态为待解付， 并可以向买方端发送解付通知 [0109] 进一步地， 当电子凭证解付后， 解付单元更新电子凭证的状态为待申请解付， 准备进行下一次解付， 并向第二资金管理服务器发送更新信息。 当验证单元判 定电子凭证已完全解付 （电子凭证的剩余额度为零） 后， 验证单元更新电子凭 证的状态为已解付， 并向第二资金管理服务器发送更新信息。
[0110] 参见图 7， 提出本发明的电子凭证解付装置第二实施例， 本实施例的装置应用 于前述第二资金管理服务器， 包括第二接收模块、 验证模块和发送模块， 其中
[0111] 第二接收模块： 设置为先后接收第二参与方就同一电子凭证先后发送的至少两 次解付申请。
[0112] 验证模块： 设置为针对每次解付申请， 验证解付申请包含的解付信息， 解付信 息包括第二参与方身份信息、 动态解付码或 /和解付口令等。
[0113] 发送模块： 设置为当解付信息验证通过后， 将解付申请转发给第一资金管理服 务器； 当验证失败后， 不予转发， 并通知第二参与方验证失败， 如向第二参与 方返回错误提示信息。
[0114] 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。
[0115] 在某些实施例中， 第一资金管理服务器与第二资金管理服务器为同一个资金管 理服务器。
[0116] 从而， 本发明的电子凭证解付装置， 允许对同一电子凭证进行多次解付， 即实 现一次幵证多次解付， 使得买方在完成一次支付后， 无需幵立新的电子凭证来 完成下一次支付， 改善了电子凭证使用的便捷性和灵活性， 简化了买方的支付 流程。 同吋， 电子凭证所关联的资金冻结在买方自己的账户中， 既保障了买方 资金的安全， 又不影响买方的利息收益。
[0117] 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。
[0118] 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
本发明所提供的一种电子凭证解付方法和装置， 一方面， 通过电子凭证进行支 付， 降低了交易风险； 另一方面， 允许对同一电子凭证进行多次解付， 即实现 一次幵证多次解付， 使得买方在完成一次支付后， 无需幵立新的电子凭证来完 成下一次支付， 改善了电子凭证使用的便捷性和灵活性， 简化了买方的支付流 程。 同吋， 电子凭证所关联的资金冻结在买方自己的账户中， 既保障了买方资 金的安全， 又不影响买方的利息收益。 通过上述方式， 本发明能够简化支付流 程， 有效保证第一参与方和第二参与方 （如买卖双方） 的资金利益不受损害。

Claims

权利要求书
[权利要求 1] 一种电子凭证解付方法， 包括步骤：
第二资金管理服务器将第二参与方就同一电子凭证先后发送的至少两 次解付申请先后转发给第一资金管理服务器；
所述第一资金管理服务器先后接收所述至少两次解付申请， 针对每次 解付申请， 判断所述解付申请金额是否小于或等于所述电子凭证的剩 余金额；
若所述解付申请金额小于或等于所述电子凭证的剩余金额， 则对所述 电子凭证执行解付。
[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， 所述判断所述解付 申请金额是否小于或等于所述电子凭证的剩余金额的步骤之前还包括 验证所述电子凭证是否有效， 若所述电子凭证有效， 则执行下一步骤
[权利要求 3] 根据权利要求 1或 2所述的电子凭证解付方法， 其中， 所述第一资金管 理服务器与所述第二资金管理服务器为同一个资金管理服务器。
[权利要求 4] 一种电子凭证解付方法， 应用于第一资金管理服务器， 包括步骤： 先后接收第二资金管理服务器就同一电子凭证先后发送的至少两次解 付申请；
针对每次解付申请， 判断所述解付申请金额是否小于或等于所述电子 凭证的剩余金额；
若所述解付申请金额小于或等于所述电子凭证的剩余金额， 则对所述 电子凭证执行解付。
[权利要求 5] —种电子凭证解付方法， 应用于第二资金管理服务器， 包括步骤： 先后接收第二参与方就同一电子凭证先后发送的至少两次解付申请； 针对每次解付申请， 验证所述解付申请包含的解付信息；
当验证通过后， 将所述解付申请转发给第一资金管理服务器。
[权利要求 6] 根据权利要求 5所述的电子凭证解付方法， 其中， 所述解付信息至少 包括第二参与方身份信息、 动态解付码或 /和解付口令。
一种电子凭证解付装置， 应用于第一资金管理服务器， 包括第一接收 模块和解付模块， 其中：
所述第一接收模块， 设置为先后接收第二资金管理服务器就同一电子 凭证先后发送的至少两次解付申请；
所述解付模块， 设置为针对每次解付申请， 判断所述解付申请金额是 否小于或等于所述电子凭证的剩余金额； 若所述解付申请金额小于或 等于所述电子凭证的剩余金额， 则对所述电子凭证执行解付。
根据权利要求 7所述的电子凭证解付装置， 其中， 所述解付模块包括 验证单元和解付单元， 其中：
所述验证单元， 设置为验证所述电子凭证是否有效、 以及判断所述解 付申请金额是否小于或等于所述电子凭证的剩余金额；
所述解付单元， 设置为当所述电子凭证有效且所述解付申请金额小于 或等于所述电子凭证的剩余金额吋， 对所述电子凭证执行解付。 一种电子凭证解付装置， 应用于第二资金管理服务器， 包括第二接收 模块、 验证模块和发送模块， 其中：
所述第二接收模块， 设置为先后接收第二参与方就同一电子凭证先后 发送的至少两次解付申请；
所述验证模块， 设置为针对每次解付申请， 验证所述解付申请包含的 解付信息；
所述发送模块， 设置为当所述解付信息验证通过后， 将所述解付申请 转发给第一资金管理服务器。
根据权利要求 9所述的电子凭证解付装置， 其中， 所述解付信息包括 第二参与方身份信息、 动态解付码或 /和解付口令。
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US20070011103A1 (en) * 2005-06-19 2007-01-11 Foster Frederick D System and method for identity protected secured purchasing
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统

Patent Citations (3)

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US20070011103A1 (en) * 2005-06-19 2007-01-11 Foster Frederick D System and method for identity protected secured purchasing
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统

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