WO2017012038A1 - 电子凭证解付方法、系统和装置 - Google Patents

电子凭证解付方法、系统和装置 Download PDF

Info

Publication number
WO2017012038A1
WO2017012038A1 PCT/CN2015/084620 CN2015084620W WO2017012038A1 WO 2017012038 A1 WO2017012038 A1 WO 2017012038A1 CN 2015084620 W CN2015084620 W CN 2015084620W WO 2017012038 A1 WO2017012038 A1 WO 2017012038A1
Authority
WO
WIPO (PCT)
Prior art keywords
party
management server
electronic voucher
fund management
application information
Prior art date
Application number
PCT/CN2015/084620
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 PCT/CN2015/084620 priority Critical patent/WO2017012038A1/zh
Priority to CA2993049A priority patent/CA2993049C/en
Publication of WO2017012038A1 publication Critical patent/WO2017012038A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems

Definitions

  • the present invention relates to the field of electronic commerce technologies, and in particular, to an electronic vouchers processing method, system, 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, system and device, which aim to reduce the risk of transaction, improve the flexibility of the electronic voucher settlement, and safeguard the interests of both buyers and sellers.
  • the present invention provides an electronic voucher settlement method, including the steps of:
  • the third party sends a settlement request f ⁇ interest to the first fund management server according to the authorization information of the first party and the second party;
  • the first fund management server receives the settlement application information, and performs electronic voucher cancellation according to the settlement application information; [0008] wherein the electronic voucher is the first fund management server that freezes the first party's funds or uses the credit line according to the first party's application, and pays the second party after receiving the cancellation application information.
  • An electronic credit commitment payment voucher for funds equal to the amount of the electronic voucher.
  • the third party may send the cancellation application information directly to the first fund management server, or may send the cancellation application information to the first fund management server through the second fund management server, that is, the third party ends to the second
  • the fund management server transmits the settlement application information
  • the second fund management server transmits the cancellation application information to the first fund management server.
  • the first fund management server performs the electronic voucher settlement according to the settlement application information: the first fund management server verifies the status of the electronic voucher corresponding to the cancellation application information, or verifies the identity of the third party and solves the payment The status of the electronic voucher corresponding to the application information, after the verification is passed, 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 that the first fund management server freezes the first party's funds or the credit line according to the first party's application, and pays the second party after receiving the cancellation application information.
  • An electronic credit commitment payment voucher for funds equal to the amount of the electronic voucher.
  • the receiving the application information sent by the third party according to the authorization information of the first party and the second party includes: receiving the cancellation application information directly sent by the third party, or receiving the second fund management server to forward The settlement application information sent indirectly by the third party.
  • the electronic voucher settlement according to the cancellation application information is specifically: verifying the status of the electronic voucher corresponding to the cancellation application, or verifying the identity of the third party and the status of the electronic voucher corresponding to the cancellation application information, when After the verification is passed, the electronic voucher is executed.
  • the present invention also proposes an electronic voucher settlement system, including a third party and a first fund management server.
  • the third party is configured to send the cancellation application information to the first fund management server according to the authorization information of the first party and the second party;
  • the first money management server is configured to receive the cancellation application information, and perform electronic voucher cancellation according to the cancellation application information;
  • the electronic voucher is the first fund management server that freezes the first party's funds or the credit line according to the first party's application, and pays the second party after receiving the cancellation application information.
  • An electronic credit commitment payment voucher for funds equal to the amount of the electronic voucher.
  • the third party may send the cancellation application information directly to the first fund management server, or may send the cancellation application information to the first fund management server through the second fund management server.
  • the present invention also provides an electronic voucher dispatching device, which is applied to a first fund management server, including a receiving module and a dispatching module, wherein:
  • the receiving module is configured to receive, by the third party, the cancellation application information sent according to the authorization information of the first party and the second party;
  • the solution module performs electronic voucher cancellation according to the release request information.
  • the solution module is further configured to: verify the status of the electronic voucher corresponding to the application information, or verify the identity of the third party and the status of the electronic voucher corresponding to the application information; The electronic voucher performs a settlement.
  • An electronic voucher settlement method, system and device provided by the present invention on the one hand, payment by electronic voucher, reduces transaction risk; on the other hand, allows first party and second party (such as buyer and seller Authorized third party submits the application information to apply for electronic voucher settlement, which improves the flexibility of electronic voucher settlement. Since the third party is the intermediary party connecting the first party and the second party, it can quickly obtain the transaction information of both parties. Therefore, it is possible to feedback the progress of the transaction to the system and promote the transaction process, so that the seller can receive the payment after the performance of the contract, which not only protects the interests of the buyer and the seller, but also improves the transaction efficiency.
  • first party and second party such as buyer and seller Authorized third party submits the application information to apply for electronic voucher settlement, which improves the flexibility of electronic voucher settlement. Since the third party is the intermediary party connecting the first party and the second party, it can quickly obtain the transaction information of both parties. Therefore, it is possible to feedback the progress of the transaction to the system and promote the transaction process, so that the seller can receive the
  • FIG. 1 is a flowchart of a first embodiment of an electronic voucher settlement method of the present invention
  • FIG. 2 is a flowchart of a second embodiment of an electronic voucher settlement method of the present invention.
  • 3 is a flowchart of a third embodiment of an electronic voucher settlement method of the present invention
  • 4 is a flowchart of a fourth 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 dispatching system of the present invention.
  • FIG. 6 is a block diagram showing a second embodiment of an electronic voucher dispatching system of the present invention.
  • FIG. 7 is a block diagram showing an embodiment of an electronic voucher dispatching apparatus of 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 the first fund management server that freezes the first party's funds or uses the credit line according to the first party's application, and after receiving the cancellation application information,
  • the electronic credit commitment payment voucher of the two parties paying the funds equal to the amount of the electronic voucher is an internet innovation basic financial instrument paid by the fund management institution's credit commitment.
  • the electronic voucher settlement refers to the funds or credits frozen in the payment account of the electronic voucher after receiving the application for cancellation and confirming that the payment is met. Transfer to the bank's electronic voucher business fund clearing house. Eventually, the bank will transfer the funds or authorization to the receiving bank, and the receiving bank will transfer the funds or credits to the receiving account of the electronic voucher.
  • the transaction process based on the electronic voucher includes several periods, such as a prosecution period, a collection period, a performance period, a signing period, and a disbursement period, wherein:
  • the first party (such as the buyer) applies to the first fund management server (ie, the server of the certification authority, such as the bank of the bank) Establish an electronic voucher.
  • the first fund management server ie, the server of the certification authority, such as the bank of the bank
  • the first fund management server applies for the electronic voucher according to the first party's certificate, and the corresponding amount of the electronic voucher recorded in the first party's designated account (ie, the payment account) (usually the funds in the frozen account) Or credit, freezing credit is divided into two situations: One starts from freezing credit, the first fund management server starts calculating interest, that is, the buyer uses credit card quota In the other case, after the second party (such as the seller) receives the funds corresponding to the credit, the first fund management server begins to calculate the interest).
  • Receiving period The second party (such as the seller) applies for the receipt to the second fund management server (ie, the receiving institution, such as the server of the receiving bank), and the electronic certificate fails after the overdue is received.
  • the second fund management server After the verification information is correct, the certificate will be received.
  • Performance period The second party submits performance information (such as delivery information), and the electronic certificate fails after the deadline is not submitted.
  • Signing period The third party applies for settlement, and if the application fails to submit the information (such as the receipt information), the electronic certificate will be invalid. After the third party applies for payment, the electronic voucher enters the settlement period.
  • FIG. 1 a first embodiment of an electronic voucher settlement method according to the present invention is proposed.
  • the method includes the following steps:
  • the third party sends the cancellation application information to the second fund management server according to the authorization information of the first party and the second party.
  • the third party submits the cancellation application information to the first fund management server through the second fund management server according to the authorization information of the first party and the second party (such as the buyer and the seller), specifically:
  • the corresponding application is sent to the corresponding webpage, and the corresponding application is sent to the second fund management server, where the cancellation request information may be the receipt data, the agreement, etc., and the cancellation application information may further include the first party and the first
  • the authorization information of the third party to the third party may also submit the foregoing authorization information after the electronic certificate is issued.
  • the second fund management server forwards the settlement application information to the first fund management server.
  • step S13 The first fund management server verifies the identity of the third party and the status of the electronic certificate corresponding to the cancellation application information. After the verification is passed, step S14 is performed; when the verification fails, the process is ended, and the second fund management server may be notified, for example, returning an error prompt message to the second fund management server.
  • the first fund management server verifies the status of the electronic certificate and the identity of the third party.
  • the verification is passed, and when the verification is not performed, Successfully, verification failed.
  • the status of the electronic voucher can be verified first.
  • the identity of the third party is verified.
  • the verification of the decrypted password is successful, the verification is passed; or, the identity of the third party can be verified first, and the identity verification is performed.
  • verify the status of the electronic voucher when the electricity After the status verification of the sub-voucher is successful, the verification is passed.
  • verifying the status of the electronic voucher corresponding to the settlement application information including verifying whether the electronic voucher corresponding to the cancellation request is valid or/and whether the payment is resolved, and if the electronic voucher is valid or/and not yet solved, The verification is successful; if the electronic voucher is invalidated or/and the payment is resolved, the verification fails.
  • Verification of the identity of a third party that is, verifying that the identity of the third party is authentic and conforms to the authorized third party.
  • 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 cancellation on the electronic voucher.
  • the first fund management server thaws the frozen funds (or credits) in the payment account of the electronic voucher, and transfers the thawed funds to the first fund management server. Finally, the first fund management server transfers the funds to the second fund management server, and the second fund management server transfers the funds to the collection account of the electronic certificate.
  • the first fund management server updates the status of the electronic voucher to be released, and sends the update information to the second fund management server.
  • FIG. 2 a second embodiment of the electronic voucher settlement method of the present invention is proposed.
  • the method includes the following steps:
  • the third party sends the cancellation application information to the second fund management server according to the authorization information of the first party and the second party.
  • the third party submits the cancellation application information to the first fund management server through the second fund management server according to the authorization information of the first party and the second party (such as the buyer and the seller), specifically: Log in to the corresponding webpage or open the corresponding application, and send the cancellation application information to the second fund management server, where the application settlement information may be the receipt data, the agreement, and the like.
  • step S22 The second fund management server receives the cancellation application information and verifies the identity of the third party. When the verification is passed, step S23 is performed; otherwise, the process is ended.
  • the second fund management server verifies the identity of the seller according to the cancellation application information. After the authentication is passed, step S23 is performed; when the authentication fails, the process ends, and the third-party verification failure is notified, such as returning an error message to the third party. [0062] S23.
  • the second fund management server forwards the settlement application information to the first fund management server.
  • step S24 The first fund management server verifies the status of the electronic voucher corresponding to the settlement request information. After the verification is passed, step S25 is performed; when the verification fails, the process is terminated, and the second money management server can be notified, for example, returning an error prompt message to the second money management server.
  • the first fund management server verifies the status of the electronic certificate corresponding to the cancellation application, including verifying whether the electronic certificate corresponding to the cancellation application is valid or/and Whether the payment has been made, if the electronic voucher is valid or/and has not been solved, the verification is successful; if the electronic voucher is invalid or/and the payment has been resolved, the verification fails.
  • 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 cancellation on the electronic voucher.
  • the first fund management server updates the status of the electronic voucher to be released, and sends the update information to the second fund management server.
  • the method includes the following steps:
  • the S3 third party sends the cancellation application information to the first fund management server according to the authorization information of the first party and the second party.
  • the third party directly submits the cancellation application information to the first fund management server according to the authorization information of the first party and the second party (such as the buyer and the seller), specifically: by logging in to the corresponding webpage or
  • the corresponding application is sent to the first fund management server to send the cancellation application information, and the application settlement information may be the receipt data, the agreement, and the like.
  • step S32 The first fund management server verifies the identity of the third party and the status of the electronic certificate corresponding to the cancellation application information. After the verification is passed, step S33 is performed; when the verification fails, the process ends, and the third party can be notified, such as returning an error message to the third party.
  • step S32 after receiving the cancellation application information, the first fund management server verifies the status of the electronic certificate and the identity of the third party.
  • the verification is passed, and when the verification is not performed, Successfully, verification failed.
  • the status of the electronic voucher can be verified first, and after the status verification of the electronic voucher is successful, the identity of the third party is verified, and when the verification of the decrypted password is successful, the verification is passed; or, The identity of the third party can be verified first. After the identity verification succeeds, the status of the electronic certificate is verified. When the status verification of the electronic certificate is successful, the verification is passed.
  • verifying the status of the electronic voucher corresponding to the cancellation application including verifying whether the electronic voucher corresponding to the cancellation request is valid or/and whether the payment is resolved, and if the electronic voucher is valid or/and not yet solved, verifying Successful; if the electronic voucher is invalidated or/and has been resolved, the verification fails.
  • Verification of the identity of a third party that is, verifying that the identity of the third party is authentic and conforms to the authorized third party.
  • 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 cancellation on the electronic voucher.
  • the first fund management server updates the status of the electronic voucher to be released, and sends the update information to the second fund management server.
  • a fourth 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:
  • S41 Receive the cancellation application information sent by the third party according to the authorization information of the first party and the second party.
  • the settlement application information received by the first fund management server may be the cancellation application information directly sent by the third party, or may be sent by the third party to the second fund management server.
  • the application settlement information may be a receipt data, a protocol, etc., and the application information may also include authorization information of the first party and the second party to the third party, and in some embodiments, the electronic certificate may also be Submitted the aforementioned authorization information.
  • S42 Perform electronic voucher settlement according to the cancellation application information.
  • step S42 the first fund management server verifies the identity of the third party and the status of the electronic certificate corresponding to the cancellation application. After both of the verifications are successful, after the verification is passed, the electronic voucher is executed; if any verification is unsuccessful, after the verification fails, the payment is not resolved, and the third party or the second fund management server may be notified, such as Return an error message to the third party or the second money management server.
  • the status of the electronic voucher may be verified first, and after the status verification of the electronic voucher is successful, the identity of the third party is verified, and after the verification of the decrypted password is successful, the verification is passed; or, the identity of the third party may be verified first. After the authentication is successful, the status of the electronic voucher is verified, and the status of the electronic voucher is successfully verified. After that, the verification is passed.
  • verifying the status of the electronic voucher corresponding to the cancellation application including verifying whether the electronic voucher corresponding to the cancellation request is valid or/and whether the payment is resolved, and if the electronic voucher is valid or/and not yet solved, verifying Successful; if the electronic voucher is invalidated or/and has been resolved, the verification fails.
  • Verification of the identity of a third party that is, verifying that the identity of the third party is authentic and conforms to the authorized third party.
  • the settlement application information is forwarded by the second fund management server, and the identity of the third party has been verified by the second fund management server, and then the first money management server only needs to verify the cancellation application.
  • the status of the corresponding electronic voucher can be.
  • the first fund management server performs the settlement of the electronic voucher specifically: the first fund management server thaws the frozen funds (or credits) in the payment account of the electronic voucher, and transfers the thawed funds to the first funds. Management server. Finally, the first fund management server transfers the funds to the second money management server, and the second fund management server transfers the settlement funds to the collection account of the electronic certificate.
  • 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 updates the status of the electronic voucher to be released, and sends the update information to the second fund management server.
  • the electronic voucher settlement method of the present invention on the one hand, the payment by the electronic voucher reduces the transaction risk; on the other hand, allows the third party authorized by the first party and the second party (such as the buyer and the seller) to submit Solving the application information to apply for electronic voucher settlement improves the flexibility of electronic voucher settlement. Since the third party is the intermediary party connecting the first party and the second party, it can quickly obtain the transaction information of both parties, so it can be harmonious. The transaction progress is fed back to the system to promote the transaction process, so that the seller can receive the payment after the performance of the contract, which not only protects the interests of the buyer and the seller, but also improves the transaction efficiency.
  • the system includes a third party, a second fund management server, and a first money management server, wherein:
  • the third party configured to send the cancellation application information to the first fund management server by using the second fund management server according to the authorization information of the first party and the second party, where the application settlement information may be the receipt data, Agreement, etc.
  • the second fund management server is configured to receive the cancellation application information sent by the third party, and forward the cancellation application information to the first fund management server.
  • the first money management server is configured to receive the settlement application information, and perform electronic voucher settlement according to the cancellation application information.
  • the first fund management server verifies the identity of the third party and the status of the electronic certificate corresponding to the application for cancellation; when both are successfully verified, the verification is passed, and the electronic The voucher performs the settlement; when any of the verifications is unsuccessful, the verification fails, the payment is not resolved, and the second fund management server can be notified, such as returning the error prompt information to the second fund management server.
  • the status of the electronic voucher can be verified first, and after the status verification of the electronic voucher is successful, the identity of the third party is verified, and after the identity verification is successful, the verification is passed; or, the identity of the third party may be verified first, when the identity is verified. After the verification is successful, the status of the electronic voucher is verified, and when the status verification of the electronic voucher is successful, the verification is passed.
  • verifying the status of the electronic voucher corresponding to the cancellation request including verifying whether the electronic voucher corresponding to the cancellation request is valid or/and whether the payment is resolved, and if the electronic voucher is valid or/and not yet solved, verifying Successful; if the electronic voucher is invalidated or/and has been resolved, the verification fails.
  • Verification of the identity of a third party that is, verifying that the identity of the third party is authentic and conforms to the authorized third party.
  • the first fund management server performs the settlement of the electronic voucher by: unfreezing the frozen funds (or credits) in the payment account of the electronic voucher, and transferring the thawed funds to the first fund management server. Finally, the first fund management server transfers the funds to the second fund management server, and the second fund management server transfers the funds to the payment account of the electronic certificate.
  • the first fund management server updates the status of the electronic voucher to be released, and sends a settlement notice to the buyer.
  • the first fund management server updates the status of the electronic voucher to be released, and sends the update information to the second fund management server.
  • the second fund management server after receiving the cancellation application information, verifies the identity of the third party, and after the verification is passed, forwards the cancellation application information to the first fund management server. Therefore, the first money management server only needs to verify the status of the electronic certificate corresponding to the settlement application.
  • the first money management server only needs to verify the status of the electronic certificate corresponding to the settlement application.
  • the third party configured to send the cancellation application information directly to the first money management server according to the authorization information of the first party and the second party, where the application settlement information may be a receipt data, a protocol, or the like.
  • the first money management server is configured to receive the cancellation application information, and perform electronic voucher settlement according to the cancellation application information.
  • the first fund management server verifies the identity of the third party and the status of the electronic certificate corresponding to the cancellation application information; when both of the verifications are successful, the verification is passed.
  • the verification is unsuccessful, the verification fails, the payment is not resolved, and the third party is notified, such as returning an error message to the third party.
  • an embodiment of an electronic voucher processing device of the present invention is provided.
  • the device is applied to the first money management server, and includes a receiving module and a solution module, wherein:
  • the receiving module is configured to receive the cancellation request information sent by the third party according to the authorization information of the first party and the second party.
  • the cancellation request information received by the receiving module may be the cancellation application information directly sent by the third party, or may be the cancellation application sent by the third party to the second fund management server and forwarded by the second fund management server.
  • the application settlement information may be a receipt data, a protocol, or the like.
  • the settlement module is configured to perform electronic voucher settlement according to the cancellation application information.
  • the solution module verifies the identity of the third party and the status of the electronic certificate corresponding to the application information according to the settlement application information. After both of the verifications are successful, after the verification is passed, the electronic voucher is executed; if any verification is unsuccessful, after the verification fails, the payment is not resolved, and the third party or the second fund management server may be notified, such as Return an error message to the third party or the second money management server.
  • the status of the electronic voucher may be verified first, and after the status verification of the electronic voucher is successful, the identity of the third party is verified, and after the verification of the decrypted password is successful, the verification is passed; or, the third party may be verified first. After the identity verification is successful, the status of the electronic voucher is verified, and when the status verification of the electronic voucher is successful, the verification is passed.
  • verifying the status of the electronic voucher corresponding to the settlement request including verifying whether the electronic voucher corresponding to the cancellation request is valid or/and whether the payment is resolved, and if the electronic voucher is valid or/and not yet solved, verifying Successful; if the electronic voucher is invalidated or/and has been resolved, the verification fails.
  • Verification of the identity of a third party that is, verifying that the identity of the third party is authentic and conforms to the authorized third party.
  • the settlement application information is forwarded by the second fund management server, and the identity of the third party has been verified by the second fund management server, and the solution module only needs to verify the corresponding settlement application.
  • the status of the electronic voucher can be.
  • the execution module performs the settlement of the electronic voucher.
  • the dissolving module thaws the frozen funds (or credits) in the payment account of the electronic voucher, and transfers the thawed funds to the first fund management server.
  • the first fund management server transfers to the second fund management server, and the second fund management server transfers the settlement funds to the collection account of the electronic certificate.
  • the release module updates the status of the electronic voucher to be released, and may send a dismissal notification to the buyer.
  • the release module updates the status of the electronic voucher to be settled, and sends the update information to the second fund management server.
  • the electronic voucher settlement system and apparatus of the present invention pays by electronic voucher, reduces transaction risk; on the other hand, allows the seller or a third party authorized by the buyer and the seller to submit the application information for cancellation
  • the electronic voucher settlement improves the flexibility of electronic voucher settlement. Since the third party is the intermediary party connecting the buyer and the seller, it can quickly obtain the transaction information of the buyer and the seller, so it can feedback the progress of the transaction to the system and promote the transaction process. , so that the seller can receive the payment after the performance of the contract, which not only protects the interests of both buyers and sellers, but also improves the transaction efficiency.
  • the program is controlled to be related to hardware completion, and the program may be stored in a computer readable storage medium, which may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • An electronic voucher settlement method, system and device provided by the invention on the one hand, payment by electronic voucher reduces transaction risk; on the other hand, allows first party and second party (such as buyer and seller)
  • the authorized third party submits the application information to apply for the electronic voucher settlement, which improves the flexibility of the electronic voucher settlement. Since the third party is the intermediary party connecting the first party and the second party, the transaction information of both parties can be quickly obtained. Therefore, it is possible to feedback the progress of the transaction to the system and promote the transaction process, so that the seller can receive the payment after the performance of the contract, which not only protects the interests of the buyer and the seller, but also improves the transaction efficiency. Therefore, it has industrial applicability.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (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

本发明公开了一种电子凭证解付方法、系统和装置，所述方法包括步骤：第三方端根据第一方和第二方的授权信息向第一资金管理服务器发送解付申请信息；所述第一资金管理服务器接收所述解付申请信息，根据所述解付申请信息进行电子凭证解付。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；另一方面，允许第一方和第二方授权的第三方提交解付申请信息来申请电子凭证解付，提高了电子凭证解付的灵活性，由于第三方是连接第一方和第二方的中间方，能够快速获取双方的交易信息，因此可以及时的将交易进度反馈至系统，推进交易进程，使得卖方履约后能及时收到货款，既维护了买卖双方的利益，又提高了交易效率。

Description

说明书 发明名称：电子凭证解付方法、 系统和装置 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、 系统和装 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、 系统和装置， 旨在降低交 易风险， 提高电子凭证解付环节的灵活性， 维护买卖双方的利益。
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] 第三方端根据第一方和第二方的授权信息向第一资金管理服务器发送解付申请 f π息；
[0007] 所述第一资金管理服务器接收所述解付申请信息， 根据所述解付申请信息进行 电子凭证解付； [0008] 其中， 所述电子凭证是第一资金管理服务器根据第一方的申请冻结第一方的资 金或支用授信额度而幵立、 且在接收到解付申请信息后向第二方支付与电子凭 证金额相等的资金的电子信用承诺支付凭证。
[0009] 其中， 第三方端可以直接向第一资金管理服务器发送解付申请信息， 也可以通 过第二资金管理服务器向第一资金管理服务器发送解付申请信息， 即： 第三方 端向第二资金管理服务器发送解付申请信息， 第二资金管理服务器将解付申请 信息发送给第一资金管理服务器。
[0010] 其中， 第一资金管理服务器根据解付申请信息进行电子凭证解付具体为： 第一 资金管理服务器验证解付申请信息所对应的电子凭证的状态， 或者验证第三方 的身份以及解付申请信息所对应的电子凭证的状态， 当验证通过后， 对电子凭 证执行解付。
[0011] 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
[0012] 接收第三方端根据第一方和第二方的授权信息所发送的解付申请信息；
[0013] 根据所述解付申请信息进行电子凭证解付；
[0014] 其中， 所述电子凭证是第一资金管理服务器根据第一方的申请冻结第一方的资 金或支用授信额度而幵立、 且在接收到解付申请信息后向第二方支付与电子凭 证金额相等的资金的电子信用承诺支付凭证。
[0015] 其中， 接收第三方端根据第一方和第二方的授权信息所发送的解付申请信息， 包括： 接收第三方端直接发送的解付申请信息， 或者接收第二资金管理服务器 转发的由第三方端间接发送的解付申请信息。
[0016] 其中， 根据解付申请信息进行电子凭证解付具体为： 验证解付申请所对应的电 子凭证的状态， 或者验证第三方的身份以及解付申请信息所对应的电子凭证的 状态， 当验证通过后， 对电子凭证执行解付。
[0017] 本发明同吋提出一种电子凭证解付系统， 包括第三方端和第一资金管理服务器
， 其中：
[0018] 所述第三方端， 设置为根据第一方和第二方的授权信息向第一资金管理服务器 发送解付申请信息； [0019] 所述第一资金管理服务器， 设置为接收所述解付申请信息， 根据所述解付申请 信息进行电子凭证解付；
[0020] 其中， 所述电子凭证是第一资金管理服务器根据第一方的申请冻结第一方的资 金或支用授信额度而幵立、 且在接收到解付申请信息后向第二方支付与电子凭 证金额相等的资金的电子信用承诺支付凭证。
[0021] 其中， 第三方端可以直接向第一资金管理服务器发送解付申请信息， 也可以通 过第二资金管理服务器向第一资金管理服务器发送解付申请信息。
[0022] 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， 包括接 收模块和解付模块， 其中：
[0023] 所述接收模块， 设置为接收第三方端根据第一方和第二方的授权信息所发送的 解付申请信息；
[0024] 所述解付模块， 根据所述解付申请信息进行电子凭证解付。
[0025] 其中， 解付模块进一步设置为： 验证解付申请信息所对应的电子凭证的状态， 或者验证第三方的身份以及解付申请信息所对应的电子凭证的状态； 当验证通 过后， 对所述电子凭证执行解付。
发明的有益效果
有益效果
[0026] 本发明所提供的一种电子凭证解付方法、 系统和装置， 一方面， 通过电子凭证 进行支付， 降低了交易风险； 另一方面， 允许第一方和第二方 （如买卖双方） 授权的第三方提交解付申请信息来申请电子凭证解付， 提高了电子凭证解付的 灵活性， 由于第三方是连接第一方和第二方的中间方， 能够快速获取双方的交 易信息， 因此可以及吋的将交易进度反馈至系统， 推进交易进程， 使得卖方履 约后能及吋收到货款， 既维护了买卖双方的利益， 又提高了交易效率。
对附图的简要说明
附图说明
[0027] 图 1是本发明的电子凭证解付方法第一实施例的流程图；
[0028] 图 2是本发明的电子凭证解付方法第二实施例的流程图；
[0029] 图 3是本发明的电子凭证解付方法第三实施例的流程图； [0030] 图 4是本发明的电子凭证解付方法第四实施例的流程图；
[0031] 图 5是本发明的电子凭证解付系统第一实施例的模块示意图；
[0032] 图 6是本发明的电子凭证解付系统第二实施例的模块示意图；
[0033] 图 7是本发明的电子凭证解付装置一实施例的模块示意图。
[0034] 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
[0035] 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。
[0036] 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。
[0037] 本发明实施例中， 电子凭证是指第一资金管理服务器根据第一方的申请冻结第 一方的资金或支用授信额度而幵立、 且在接收到解付申请信息后向第二方支付 与电子凭证金额相等的资金的电子信用承诺支付凭证， 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。
[0038] 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， 将电子凭证的支付账户中冻结的资金或授信划转至幵证 银行的电子凭证业务资金清算户。 最终由幵证银行将资金或授权划转至收证银 行， 并由收证银行将资金或授信划转至电子凭证的收款账户中。
[0039] 本发明实施例中， 基于电子凭证的交易过程包括幵证期、 收证期、 履约期、 签 收期、 解付期等几个吋期， 其中：
[0040] 幵证期： 交易双方形成交易订单前、 形成交易订单吋或形成交易订单后， 第一 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第一方的幵证申请幵立电子凭证， 并 将电子凭证记载金额在第一方指定的账户 （即支付账户） 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， 第一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， 则是从第二方 （如卖方） 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） 。
[0041] 收证期： 第二方 （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。
[0042] 履约期： 第二方提交履约信息 （如发货信息） ， 逾期未提交则电子凭证失效。
[0043] 签收期： 第三方端申请解付， 逾期未提交申请解付信息 （如签收信息） 则电子 凭证失效。 第三方端申请解付后， 电子凭证进入解付期。
[0044] 以下， 通过具体实施例对电子凭证的解付进行详细说明。
[0045] 参见图 1， 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：
[0046] Sl l、 第三方端根据第一方和第二方的授权信息， 向第二资金管理服务器发送 解付申请信息。
[0047] 本步骤 S11中， 第三方端根据第一方和第二方 （如买卖双方） 的授权信息， 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信息， 具体为： 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解付申请信 息， 所述解付申请信息可以是签收数据、 协议等， 解付申请信息中还可以包括 第一方和第二方对第三方的授权信息， 某些实施例中也可以在幵立电子凭证吋 即提交了前述授权信息。
[0048] S12、 第二资金管理服务器将解付申请信息转发给第一资金管理服务器。
[0049] S 13、 第一资金管理服务器验证第三方的身份以及解付申请信息所对应的电子 凭证的状态。 当验证通过后， 执行步骤 S14; 当验证失败后， 结束流程， 并可以 通知第二资金管理服务器， 如向第二资金管理服务器返回错误提示信息。
[0050] 本步骤 S13中， 第一资金管理服务器接收到解付申请信息后， 对电子凭证的状 态和第三方的身份进行验证， 当二者均验证成功吋， 验证通过， 当任一个验证 不成功吋， 验证失败。 可以先验证电子凭证的状态， 当电子凭证的状态验证成 功后， 再验证第三方的身份， 当解付口令验证成功后， 则验证通过； 或者， 也 可以先验证第三方的身份， 当身份验证成功后， 再验证电子凭证的状态， 当电 子凭证的状态验证成功后， 则验证通过。
[0051 ] 对解付申请信息所对应的电子凭证的状态进行验证， 包括验证解付申请所对应 的电子凭证是否有效或 /和是否已解付， 若电子凭证有效或 /和尚未解付， 则验证 成功； 若电子凭证失效或 /和已解付， 则验证失败。
[0052] 对于第三方的身份的验证， 即验证第三方的身份是否真实， 是否与授权的第三 方相符。
[0053] 进一步地， 当电子凭证验证通过后， 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。
[0054] S14、 第一资金管理服务器对电子凭证执行解付。
[0055] 具体的， 第一资金管理服务器将电子凭证的支付账户中冻结的资金 （或授信） 解冻， 并将解冻后的资金划转至第一资金管理服务器。 最终由第一资金管理服 务器将资金划转至第二资金管理服务器， 并由第二资金管理服务器将资金划转 至电子凭证的收款账户中。
[0056] 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已 解付， 并向第二资金管理服务器发送更新信息。
[0057] 参见图 2， 提出本发明的电子凭证解付方法第二实施例， 所述方法包括以下步 骤：
[0058] S21、 第三方端根据第一方和第二方的授权信息， 向第二资金管理服务器发送 解付申请信息。
[0059] 本步骤 S21中， 第三方端根据第一方和第二方 （如买卖双方） 的授权信息， 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信息， 具体为： 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解付申请信 息， 所述申请解付信息可以是签收数据、 协议等。
[0060] S22、 第二资金管理服务器接收解付申请信息， 验证第三方的身份。 当验证通 过后， 执行步骤 S23 ; 否则， 结束流程。
[0061] 具体的， 第二资金管理服务器接收到解付申请信息后， 根据解付申请信息对卖 方端的身份进行验证。 当身份验证通过后， 才执行步骤 S23 ; 当身份验证失败后 ， 结束流程， 并通知第三方端验证失败， 如向第三方端返回错误提示信息。 [0062] S23、 第二资金管理服务器将解付申请信息转发给第一资金管理服务器。
[0063] S24、 第一资金管理服务器验证解付申请信息所对应的电子凭证的状态。 当验 证通过后， 执行步骤 S25 ; 当验证失败后， 结束流程， 并可以通知第二资金管理 服务器， 如向第二资金管理服务器返回错误提示信息。
[0064] 本步骤 S24中， 第一资金管理服务器接收到解付申请信息后， 对解付申请所对 应的电子凭证的状态进行验证， 包括验证解付申请所对应的电子凭证是否有效 或 /和是否已解付， 若电子凭证有效或 /和尚未解付， 则验证成功； 若电子凭证失 效或 /和已解付， 则验证失败。
[0065] 进一步地， 当电子凭证验证通过后， 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。
[0066] S25、 第一资金管理服务器对电子凭证执行解付。
[0067] 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已 解付， 并向第二资金管理服务器发送更新信息。
[0068] 参见图 3， 提出本发明的电子凭证解付方法第三实施例， 所述方法包括以下步 骤：
[0069] S3 第三方端根据第一方和第二方的授权信息， 向第一资金管理服务器发送 解付申请信息。
[0070] 本步骤 S31中， 第三方端根据第一方和第二方 （如买卖双方） 的授权信息， 直 接向第一资金管理服务器提交解付申请信息， 具体为： 通过登录相应的网页或 幵启相应的应用， 向第一资金管理服务器发送解付申请信息， 所述申请解付信 息可以是签收数据、 协议等。
[0071] S32、 第一资金管理服务器验证第三方的身份以及解付申请信息所对应的电子 凭证的状态。 当验证通过后， 执行步骤 S33 ; 当验证失败后， 结束流程， 并可以 通知第三方端， 如向第三方端返回错误提示信息。
[0072] 本步骤 S32中， 第一资金管理服务器接收到解付申请信息后， 对电子凭证的状 态和第三方的身份进行验证， 当二者均验证成功吋， 验证通过， 当任一个验证 不成功吋， 验证失败。 可以先验证电子凭证的状态， 当电子凭证的状态验证成 功后， 再验证第三方的身份， 当解付口令验证成功后， 则验证通过； 或者， 也 可以先验证第三方的身份， 当身份验证成功后， 再验证电子凭证的状态， 当电 子凭证的状态验证成功后， 则验证通过。
[0073] 对解付申请所对应的电子凭证的状态进行验证， 包括验证解付申请所对应的电 子凭证是否有效或 /和是否已解付， 若电子凭证有效或 /和尚未解付， 则验证成功 ； 若电子凭证失效或 /和已解付， 则验证失败。
[0074] 对于第三方的身份的验证， 即验证第三方的身份是否真实， 是否与授权的第三 方相符。
[0075] 进一步地， 当电子凭证验证通过后， 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。
[0076] S33、 第一资金管理服务器对电子凭证执行解付。
[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已 解付， 并向第二资金管理服务器发送更新信息。
[0078] 参见图 4， 提出本发明的电子凭证解付方法第四实施例， 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：
[0079] S41、 接收第三方端根据第一方和第二方的授权信息所发送的解付申请信息。
[0080] 本步骤 S41中， 第一资金管理服务器接收的解付申请信息可以是第三方端直接 发送过来的解付申请信息， 也可以是第二资金管理服务器转发的由第三方端发 送给第二资金管理服务器的解付申请信息。 所述申请解付信息可以是签收数据 、 协议等， 解付申请信息中还可以包括第一方和第二方对第三方的授权信息， 某些实施例中也可以在幵立电子凭证吋即提交了前述授权信息。
[0081] S42、 根据解付申请信息进行电子凭证解付。
[0082] 本步骤 S42中， 第一资金管理服务器验证第三方的身份以及解付申请所对应的 电子凭证的状态。 当二者均验证成功吋， 验证通过后， 对电子凭证执行解付； 当任一个验证不成功吋， 验证失败后， 不予解付， 并可以通知第三方端或第二 资金管理服务器， 如向第三方端或第二资金管理服务器返回错误提示信息。
[0083] 可以先验证电子凭证的状态， 当电子凭证的状态验证成功后， 再验证第三方的 身份， 当解付口令验证成功后， 则验证通过； 或者， 也可以先验证第三方的身 份， 当身份验证成功后， 再验证电子凭证的状态， 当电子凭证的状态验证成功 后， 则验证通过。
[0084] 对解付申请所对应的电子凭证的状态进行验证， 包括验证解付申请所对应的电 子凭证是否有效或 /和是否已解付， 若电子凭证有效或 /和尚未解付， 则验证成功 ； 若电子凭证失效或 /和已解付， 则验证失败。
[0085] 对于第三方的身份的验证， 即验证第三方的身份是否真实， 是否与授权的第三 方相符。
[0086] 在某些实施例中， 解付申请信息由第二资金管理服务器转发过来， 第三方的身 份已由第二资金管理服务器验证过， 此吋第一资金管理服务器只需验证解付申 请所对应的电子凭证的状态即可。
[0087] 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将电子 凭证的支付账户中冻结的资金 （或授信） 解冻， 并将解冻后的资金划转至第一 资金管理服务器。 最终由第一资金管理服务器将资金划转至第二资金管理服务 器， 并由第二资金管理服务器将解付资金划转至电子凭证的收款账户中。
[0088] 进一步地， 当电子凭证验证通过后， 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。
[0089] 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已 解付， 并向第二资金管理服务器发送更新信息。
[0090] 从而， 本发明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； 另一方面， 允许第一方和第二方 （如买卖双方） 授权的第三方提交 解付申请信息来申请电子凭证解付， 提高了电子凭证解付的灵活性， 由于第三 方是连接第一方和第二方的中间方， 能够快速获取双方的交易信息， 因此可以 及吋的将交易进度反馈至系统， 推进交易进程， 使得卖方履约后能及吋收到货 款， 既维护了买卖双方的利益， 又提高了交易效率。
[0091] 参见图 5， 提出本发明的电子凭证解付系统第一实施例， 所述系统包括第三方 端、 第二资金管理服务器和第一资金管理服务器， 其中：
[0092] 第三方端： 设置为根据第一方和第二方的授权信息， 通过第二资金管理服务器 向第一资金管理服务器发送解付申请信息， 所述申请解付信息可以是签收数据 、 协议等。 [0093] 第二资金管理服务器： 设置为接收第三方端发送的解付申请信息， 并将解付申 请信息转发给第一资金管理服务器。
[0094] 第一资金管理服务器： 设置为接收解付申请信息， 根据解付申请信息进行电子 凭证解付。
[0095] 具体的， 第一资金管理服务器接收到解付申请信息后， 对第三方的身份和解付 申请所对应的电子凭证的状态进行验证； 当二者均验证成功吋， 验证通过， 对 电子凭证执行解付； 当任一个验证不成功吋， 则验证失败， 不予解付， 并可以 通知第二资金管理服务器， 如向第二资金管理服务器返回错误提示信息。
[0096] 可以先验证电子凭证的状态， 当电子凭证的状态验证成功后， 再验证第三方的 身份， 当身份验证成功后， 则验证通过； 或者， 也可以先验证第三方的身份， 当身份验证成功后， 再验证电子凭证的状态， 当电子凭证的状态验证成功后， 则验证通过。
[0097] 对解付申请所对应的电子凭证的状态进行验证， 包括验证解付申请所对应的电 子凭证是否有效或 /和是否已解付， 若电子凭证有效或 /和尚未解付， 则验证成功 ； 若电子凭证失效或 /和已解付， 则验证失败。
[0098] 对于第三方的身份的验证， 即验证第三方的身份是否真实， 是否与授权的第三 方相符。
[0099] 第一资金管理服务器对电子凭证执行解付具体为： 将电子凭证的支付账户中冻 结的资金 （或授信） 解冻， 并将解冻后的资金划转至第一资金管理服务器。 最 终由第一资金管理服务器将资金划转至第二资金管理服务器， 并由第二资金管 理服务器将解付资金划转至电子凭证的收款账户中。
[0100] 进一步地， 当电子凭证验证通过后， 第一资金管理服务器更新电子凭证的状态 为待解付， 并向买方端发送解付通知。
[0101] 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已 解付， 并向第二资金管理服务器发送更新信息。
[0102] 在某些实施例中， 第二资金管理服务器接收到解付申请信息后， 对第三方的身 份已进行验证， 当验证通过后， 才向第一资金管理服务器转发解付申请信息， 此吋第一资金管理服务器只需验证解付申请所对应的电子凭证的状态。 [0103] 参见图 6， 提出本发明的电子凭证解付系统第二实施例， 所述系统包括第三方 端和第一资金管理服务器， 其中：
[0104] 第三方端： 设置为根据第一方和第二方的授权信息， 直接向第一资金管理服务 器发送解付申请信息， 所述申请解付信息可以是签收数据、 协议等。
[0105] 第一资金管理服务器： 设置为接收解付申请信息， 根据解付申请信息进行电子 凭证解付。
[0106] 具体的， 第一资金管理服务器接收到解付申请信息后， 对第三方的身份和解付 申请信息所对应的电子凭证的状态进行验证； 当二者均验证成功吋， 验证通过
， 对电子凭证执行解付； 当任一个验证不成功吋， 则验证失败， 不予解付， 并 可以通知第三方端， 如向第三方端返回错误提示信息。
[0107] 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。
[0108] 参见图 7， 提出本发明的电子凭证解付装置一实施例， 所述装置应用于前述第 一资金管理服务器， 包括接收模块和解付模块， 其中：
[0109] 接收模块： 设置为接收第三方端根据第一方和第二方的授权信息所述发送的解 付申请信息。
[0110] 接收模块接收的解付申请信息可以是第三方端直接发送过来的解付申请信息， 也可以是第二资金管理服务器转发的由第三方端发送给第二资金管理服务器的 解付申请信息。 所述申请解付信息可以是签收数据、 协议等。
[0111] 解付模块： 设置为根据解付申请信息进行电子凭证解付。
[0112] 具体的， 解付模块根据解付申请信息， 验证第三方的身份以及解付申请信息所 对应的电子凭证的状态。 当二者均验证成功吋， 验证通过后， 对电子凭证执行 解付； 当任一个验证不成功吋， 验证失败后， 不予解付， 并可以通知第三方端 或第二资金管理服务器， 如向第三方端或第二资金管理服务器返回错误提示信 息。
[0113] 可以先验证电子凭证的状态， 当电子凭证的状态验证成功后， 再验证第三方的 身份， 当解付口令验证成功后， 则验证通过； 或者， 也可以先验证第三方的身 份， 当身份验证成功后， 再验证电子凭证的状态， 当电子凭证的状态验证成功 后， 则验证通过。
[0114] 对解付申请所对应的电子凭证的状态进行验证， 包括验证解付申请所对应的电 子凭证是否有效或 /和是否已解付， 若电子凭证有效或 /和尚未解付， 则验证成功 ； 若电子凭证失效或 /和已解付， 则验证失败。
[0115] 对于第三方的身份的验证， 即验证第三方的身份是否真实， 是否与授权的第三 方相符。
[0116] 在某些实施例中， 解付申请信息由第二资金管理服务器转发过来， 第三方的身 份已由第二资金管理服务器验证过， 此吋解付模块只需验证解付申请所对应的 电子凭证的状态即可。
[0117] 解付模块对电子凭证执行解付具体为： 解付模块将电子凭证的支付账户中冻结 的资金 （或授信） 解冻， 并将解冻后的资金划转至第一资金管理服务器。 最终 由第一资金管理服务器划转至第二资金管理服务器， 并由第二资金管理服务器 将解付资金划转至电子凭证的收款账户中。
[0118] 进一步地， 当电子凭证验证通过后， 解付模块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。
[0119] 进一步地， 当电子凭证解付后， 解付模块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。
[0120] 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。
[0121] 从而， 本发明的电子凭证解付系统和装置， 一方面， 通过电子凭证进行支付， 降低了交易风险； 另一方面， 允许卖方或买卖双方授权的第三方提交解付申请 信息来申请电子凭证解付， 提高了电子凭证解付的灵活性， 由于第三方是连接 买卖双方的中间方， 能够快速获取买卖双方的交易信息， 因此可以及吋的将交 易进度反馈至系统， 推进交易进程， 使得卖方履约后能及吋收到货款， 既维护 了买卖双方的利益， 又提高了交易效率。
[0122] 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。
[0123] 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
[0124] 发明所提供的一种电子凭证解付方法、 系统和装置， 一方面， 通过电子凭证进 行支付， 降低了交易风险； 另一方面， 允许第一方和第二方 （如买卖双方） 授 权的第三方提交解付申请信息来申请电子凭证解付， 提高了电子凭证解付的灵 活性， 由于第三方是连接第一方和第二方的中间方， 能够快速获取双方的交易 信息， 因此可以及吋的将交易进度反馈至系统， 推进交易进程， 使得卖方履约 后能及吋收到货款， 既维护了买卖双方的利益， 又提高了交易效率。 因此， 具 有工业实用性。

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：
第三方端根据第一方和第二方的授权信息向第一资金管理服务器发送 解付申请信息；
所述第一资金管理服务器接收所述解付申请信息， 根据所述解付申请 信息进行电子凭证解付；
其中， 所述电子凭证是第一资金管理服务器根据第一方的申请冻结第 一方的资金或支用授信额度而幵立、 且在接收到解付申请信息后向第 二方支付与电子凭证金额相等的资金的电子信用承诺支付凭证。
[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，
所述第三方端根据第一方和第二方的授权信息向第一资金管理服务器 发送解付申请信息包括： 所述第三方端根据第一方和第二方的授权信 息， 直接向所述第一资金管理服务器发送解付申请信息；
所述根据所述解付申请信息进行电子凭证解付包括： 所述第一资金管 理服务器验证所述第三方的身份以及所述解付申请信息所对应的电子 凭证的状态， 当验证通过后， 对所述电子凭证执行解付。
[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，
所述第三方端根据第一方和第二方的授权信息向第一资金管理服务器 发送解付申请信息包括： 所述第三方端根据第一方和第二方的授权信 息， 通过第二资金管理服务器向所述第一资金管理服务器发送解付申 请信息； 所述第二资金管理服务器接收到所述解付申请信息后， 验证 所述第三方的身份， 当验证通过后， 将所述解付申请信息发送给所述 第一资金管理服务器；
所述根据所述解付申请信息进行电子凭证解付包括： 所述第一资金管 理服务器验证所述解付申请信息所对应的电子凭证的状态， 当验证通 过后， 对所述电子凭证执行解付。
[权利要求 4] 根据权利要求 1所述的电子凭证解付方法， 其中，
所述第三方端根据第一方和第二方的授权信息向第一资金管理服务器 发送解付申请信息包括： 所述第三方端根据第一方和第二方的授权信 息， 通过第二资金管理服务器向所述第一资金管理服务器发送解付申 请信息； 所述第二资金管理服务器将所述解付申请信息发送给所述第 一资金管理服务器；
所述根据所述解付申请信息进行电子凭证解付包括： 所述第一资金管 理服务器验证所述第三方的身份以及所述解付申请信息所对应的电子 凭证的状态， 当验证通过后， 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， 应用于第一资金管理服务器， 包括步骤： 接收第三方端根据第一方和第二方的授权信息所发送的解付申请信息 根据所述解付申请信息进行电子凭证解付；
其中， 所述电子凭证是第一资金管理服务器根据第一方的申请冻结第 一方的资金或支用授信额度而幵立、 且在接收到解付申请信息后向第 二方支付与电子凭证金额相等的资金的电子信用承诺支付凭证。
[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， 所述根据所述解付 申请信息进行电子凭证解付包括：
验证所述第三方的身份以及所述解付申请信息所对应的电子凭证的状 态；
当验证通过后， 对所述电子凭证执行解付。
[权利要求 7] —种电子凭证解付系统， 包括第三方端和第一资金管理服务器， 其中 所述第三方端， 设置为根据第一方和第二方的授权信息向第一资金管 理服务器发送解付申请信息；
所述第一资金管理服务器， 设置为接收所述解付申请信息， 根据所述 解付申请信息进行电子凭证解付；
其中， 所述电子凭证是第一资金管理服务器根据第一方的申请冻结第 一方的资金或支用授信额度而幵立、 且在接收到解付申请信息后向第 二方支付与电子凭证金额相等的资金的电子信用承诺支付凭证。
[权利要求 8] 根据权利要求 7所述的电子凭证解付系统， 其中， 所述第三方端设置 为： 直接向所述第一资金管理服务器发送解付申请信息；
所述第一资金管理服务器设置为： 验证所述第三方的身份以及所述解 付申请信息所对应的电子凭证的状态， 当验证通过后， 对所述电子凭 证执行解付。
[权利要求 9] 根据权利要求 7所述的电子凭证解付系统， 其中， 还包括第二资金管 理服务器， 所述第三方端设置为： 通过所述第二资金管理服务器向所 述第一资金管理服务器发送解付申请信息； 所述第二资金管理服务器设置为： 接收到所述解付申请信息后， 验证 所述第三方的身份， 当验证通过后， 将所述解付申请信息发送给所述 第一资金管理服务器；
所述第一资金管理服务器设置为： 验证所述解付申请信息所对应的电 子凭证的状态， 当验证通过后， 对所述电子凭证执行解付。
[权利要求 10] 根据权利要求 7所述的电子凭证解付系统， 其中， 还包括第二资金管 理服务器， 所述第三方端设置为： 通过所述第二资金管理服务器向所 述第一资金管理服务器发送解付申请信息； 所述第二资金管理服务器设置为： 将所述解付申请信息发送给所述第 一资金管理服务器；
所述第一资金管理服务器设置为： 验证所述第三方的身份以及所述解 付申请信息所对应的电子凭证的状态， 当验证通过后， 对所述电子凭 证执行解付。
[权利要求 11] 一种电子凭证解付装置， 应用于第一资金管理服务器， 包括接收模块 和解付模块， 其中： 所述接收模块， 设置为接收第三方端根据第一方和第二方的授权信息 所发送的解付申请信息；
所述解付模块， 根据所述解付申请信息进行电子凭证解付。
[权利要求 12] 根据权利要求 11所述的电子凭证解付装置， 其中， 所述解付模块设置 为： 验证所述第三方的身份以及所述解付申请信息所对应的电子凭证 的状态； 当验证通过后， 对所述电子凭证执行解付。
PCT/CN2015/084620 2015-07-21 2015-07-21 电子凭证解付方法、系统和装置 WO2017012038A1 (zh)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/CN2015/084620 WO2017012038A1 (zh) 2015-07-21 2015-07-21 电子凭证解付方法、系统和装置
CA2993049A CA2993049C (en) 2015-07-21 2015-07-21 Electronic certificate payment method, system and device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084620 WO2017012038A1 (zh) 2015-07-21 2015-07-21 电子凭证解付方法、系统和装置

Publications (1)

Publication Number Publication Date
WO2017012038A1 true WO2017012038A1 (zh) 2017-01-26

Family

ID=57833774

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2015/084620 WO2017012038A1 (zh) 2015-07-21 2015-07-21 电子凭证解付方法、系统和装置

Country Status (2)

Country Link
CA (1) CA2993049C (zh)
WO (1) WO2017012038A1 (zh)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110941849A (zh) * 2019-10-10 2020-03-31 数字广东网络建设有限公司 线下电子证照出示方法、装置、系统和计算机设备

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101345898A (zh) * 2007-07-11 2009-01-14 北京方维银通科技有限公司 电子凭证支付平台、系统以及方法
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统
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

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101345898A (zh) * 2007-07-11 2009-01-14 北京方维银通科技有限公司 电子凭证支付平台、系统以及方法
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
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110941849A (zh) * 2019-10-10 2020-03-31 数字广东网络建设有限公司 线下电子证照出示方法、装置、系统和计算机设备

Also Published As

Publication number Publication date
CA2993049A1 (en) 2017-01-26
CA2993049C (en) 2022-04-05

Similar Documents

Publication Publication Date Title
CA3077320C (en) Network transaction payment method and system
WO2017012038A1 (zh) 电子凭证解付方法、系统和装置
CA2994905C (en) Method, device and system for opening electronic certificate
CA3048342C (en) Network payment method and system
CA2993525C (en) Method, system, and apparatus for altering electronic certificates and processing data exchange
WO2017012060A1 (zh) 开立电子凭证的方法、系统和装置
CA2994571C (en) Electronic certificate payment method and device
CA2993052C (en) Network payment method, system and device
WO2017012058A1 (zh) 一种电子凭证开证方法和系统
CA2994881C (en) Electronic certificate payment method and device
CA2994342C (en) Network payment method, system and device
WO2017012036A1 (zh) 电子凭证解付方法、系统和装置
CA2993108C (en) Method, device and system for opening electronic certificate
WO2017012059A1 (zh) 一种电子凭证申请的撤回方法、装置和系统
CN106372904A (zh) 电子凭证解付方法、系统和装置
WO2017012041A1 (zh) 电子凭证的解付信息传输方法、装置及系统
WO2017012047A1 (zh) 电子凭证的履约信息传输方法、装置及系统
WO2017012049A1 (zh) 电子凭证的收证方法、装置和系统
WO2017012044A1 (zh) 电子凭证的履约信息传输方法、装置及系统
WO2017012043A1 (zh) 电子凭证的解付信息传输方法、装置及系统
WO2017012055A1 (zh) 电子凭证解付方法、系统和装置
WO2017012057A1 (zh) 开立电子凭证的方法、系统和装置
WO2017012050A1 (zh) 收证方法、装置及系统
WO2017012053A1 (zh) 收证方法、装置及系统
WO2017012052A1 (zh) 电子凭证的收证方法、装置和系统

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: 15898594

Country of ref document: EP

Kind code of ref document: A1

ENP Entry into the national phase

Ref document number: 2993049

Country of ref document: CA

NENP Non-entry into the national phase

Ref country code: DE

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 14.05.2018)

122 Ep: pct application non-entry in european phase

Ref document number: 15898594

Country of ref document: EP

Kind code of ref document: A1