WO2017012039A1 - 网络支付方法、系统和装置 - Google Patents

网络支付方法、系统和装置 Download PDF

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Publication number
WO2017012039A1
WO2017012039A1 PCT/CN2015/084629 CN2015084629W WO2017012039A1 WO 2017012039 A1 WO2017012039 A1 WO 2017012039A1 CN 2015084629 W CN2015084629 W CN 2015084629W WO 2017012039 A1 WO2017012039 A1 WO 2017012039A1
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WO
WIPO (PCT)
Prior art keywords
management server
electronic voucher
verification
fund management
application
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PCT/CN2015/084629
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English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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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 CA2994342A priority Critical patent/CA2994342C/en
Priority to PCT/CN2015/084629 priority patent/WO2017012039A1/zh
Publication of WO2017012039A1 publication Critical patent/WO2017012039A1/zh

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    • 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

Definitions

  • the present invention relates to the field of electronic commerce technologies, and in particular, to a network payment method, system, and device.
  • 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.
  • a primary object of the present invention is to provide a network payment method, system and apparatus, which aim to improve the security of network payment and reduce transaction risk.
  • the present invention provides a network payment method, including the steps of:
  • the second fund management server verifies the identity of the solution applicant according to the application for cancellation of the electronic voucher sent by the second terminal; after the verification is passed, the application for the settlement is sent to the first fund management server.
  • the settlement application includes the proof information that the settlement applicant has fulfilled the contract
  • the first fund management server verifies the status of the electronic voucher corresponding to the cancellation request, and when the verification is passed, performs cancellation on the electronic voucher.
  • the present invention further provides a network payment method, which is applied to a first money management server, and includes the following steps: [0009] receiving an application for cancellation of an electronic voucher sent by a second fund management server, where the solution for resolving includes a solution Pay the proof of the performance of the applicant;
  • the present invention provides a network payment system including a second terminal, a first money management server, and a second money management server, wherein:
  • the second terminal is configured to send an application for cancellation of the electronic voucher to the second fund management server
  • the second fund management server is configured to verify the identity of the solution applicant according to the settlement request, and send the settlement application to the first fund management server after the verification is passed;
  • the first fund management server is configured to verify the status of the electronic voucher corresponding to the cancellation request
  • the electronic voucher is executed.
  • the present invention also provides a network payment device, which is applied to a first money management server, including a first receiving module, a verification module, and a solution module, wherein:
  • the first receiving module is configured to receive a cancellation application sent by the second fund management server, where the cancellation application includes canceling the certification information that the applicant has performed;
  • the verification module is configured to verify a status of the electronic voucher corresponding to the cancellation request
  • the solution module is configured to perform a beneficial effect on the electronic voucher after the verification module passes the verification
  • a network payment method, system and device provided by the present invention the application applicant (such as a seller), after performing the contract, submits an application for cancellation of the electronic voucher through the second terminal, and passes through the second fund management server and After the double verification of the first fund management server, the execution of the electronic voucher is executed, which not only ensures the security of the buyer's funds, but also ensures that the seller can receive the funds after the performance of the contract, thereby improving the security of the network payment and maintaining the sale and purchase.
  • the interests of both parties have reduced trading risks and promoted the healthy development of e-commerce. Brief description of the drawing DRAWINGS
  • FIG. 1 is a flow chart of a first embodiment of a network payment method of the present invention
  • FIG. 2 is a schematic diagram of interaction of each body of an electronic voucher in an embodiment of the present invention.
  • FIG. 3 is a flow chart of a second embodiment of the network payment method of the present invention.
  • FIG. 4 is a block diagram showing an embodiment of a network payment system according to the present invention.
  • FIG. 5 is a block diagram showing a first embodiment of a network payment device according to the present invention.
  • FIG. 6 is a block diagram showing a second embodiment of the network payment device 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 a payment voucher that is applied by the buyer to the fund management server and is established by the fund management server by using the fund or the credit line of the account specified by the buyer as the security deposit, and is the commitment of the fund management institution.
  • the electronic credit vouchers for the collection and payment settlement are the basic financial tools for Internet innovation paid by the credit management institution.
  • the erection of the electronic voucher refers to the first terminal to the first fund management server (ie, before the transaction parties form a transaction order, form a transaction order, or form a transaction order)
  • the certification authority such as the server of the bank, applies for an electronic certificate.
  • the first fund management server applies for the electronic voucher according to the certificate of the first terminal, and performs the corresponding reservation processing (usually the funds or credit in the frozen account) in the account specified by the first terminal. behavior.
  • the payment of the electronic voucher refers to the receipt of the application for cancellation by the defamation institution (such as the bank of the bank) and confirmation of the payment of the condition, and then the collection to the collection institution (such as the collection bank) The act of drawing funds associated with an electronic voucher.
  • the defamation institution such as the bank of the bank
  • the collection institution such as the collection bank
  • the first terminal is held by an applicant (such as a buyer) who proposes to establish an electronic voucher.
  • the terminal, the second terminal is a terminal held by a requesting party (such as a seller) who proposes to release the electronic voucher.
  • the present invention uses the electronic voucher to perform network payment, which greatly reduces the transaction risk and protects the interests of both the buyer and the seller as compared with the traditional online payment method.
  • the electronic voucher is mainly for the buyer's product.
  • the seller downloads the cashier access interface.
  • the buyer completes the e-voucher certificate, the seller completes the receipt and performs the contract, and submits the payment.
  • the electronic voucher expires automatically.
  • E-vouchers 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 from a bank as a guarantee for loans to others.
  • the general flow of the network payment by the electronic voucher is: the first fund management server (ie, the server of the certification card, such as the bank of the bank), the electronic certificate is established according to the application of the first terminal, and the second fund management server
  • the certificate institution such as the server of the receiving bank, accepts the receipt according to the application of the second terminal, and the second terminal submits the cancellation application to the first fund management server through the second fund management server, and the first fund management server solves the payment according to the settlement application.
  • the electronic voucher is configured to transfer funds of the first terminal associated with the electronic voucher to the second terminal.
  • the electronic voucher settlement link is equivalent to the link of the buyer to the seller, and therefore is a key link of the entire transaction.
  • the solution of the electronic voucher is described in detail through a specific embodiment.
  • a first embodiment of a network payment method according to the present invention includes the following steps:
  • step S11 after the cancellation requesting party (such as the seller) completes the transaction condition corresponding to the electronic voucher according to the payment condition of the electronic voucher, the second terminal logs in to the corresponding webpage or opens the corresponding application to The second fund management server submits a settlement application.
  • the application for settlement includes proof of the execution of the applicant's performance, including the receipt of the goods, the activation or use of the goods or services, and other certifications of the goods or services delivered. For example, if the buyer receives the goods, the courier company updates the courier to be signed, and the second terminal applies for settlement to the second fund management server according to the receipt data.
  • step S12 The second fund management server receives the cancellation application and verifies the identity of the cancellation applicant. When the verification is passed, step S13 is performed; when the verification fails, the process ends.
  • step S12 after receiving the application for cancellation, the second fund management server acquires the performance information and the identity information of the applicant, and verifies the identity of the applicant.
  • Step S13 otherwise, notifying the second terminal that the verification fails, such as returning an error prompt message to the second terminal.
  • the second fund management server sends a settlement request to the first fund management server.
  • step S13 after the identity verification is passed, the second fund management server forwards the cancellation request to the first money management server.
  • the first fund management server receives the cancellation application and verifies the status of the electronic certificate corresponding to the cancellation application. After the verification is passed, step S15 is performed; when the verification fails, the process ends, and the second fund 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 voucher corresponding to the cancellation request, including verifying whether the electronic voucher is valid or/and whether the payment has been solved, if the electronic voucher If it is valid or / and has not been solved, the verification is passed, otherwise the verification fails. Further, after the electronic voucher is verified, the first fund management server updates the status of the electronic voucher to be released, and sends a dismissal notification to the first terminal.
  • the first fund management server performs cancellation on the electronic voucher.
  • the first fund management server unfreezes the funds or the credit line (credit card credit or loan amount) frozen in the account of the first fund management server, and transfers the thawed funds to the second The fund management server, the second fund management server finally transfers the settlement funds to the account designated by the second terminal.
  • the electronic voucher is associated with the account of the first fund management server, that is, the first terminal applies for the account designated as the guarantee designated by the electronic certificate.
  • the first fund management server may further update the status of the electronic voucher to be settled, and send the update information to the second fund management server.
  • a second embodiment of the network payment method of the present invention is provided.
  • the method in this embodiment is applied to the foregoing first fund management server, and the method includes the following steps:
  • the settlement application includes proof information that the applicant has fulfilled the performance, including the goods receipt information, the goods or service activation or use information, and other proof information of the delivered goods or services. For example, if the buyer receives the goods, the courier company updates the courier to be signed, the second terminal applies for settlement to the second fund management server according to the receipt data, and the second fund management server forwards the cancellation application to the first fund management server.
  • step S22 Verify the status of the electronic voucher corresponding to the settlement request.
  • step S23 is performed;
  • the verification fails, the process ends, and the second fund management server can be notified, such as returning an error message to the second money management server.
  • the first fund management server verifies the status of the electronic voucher corresponding to the cancellation application, including verifying whether the electronic voucher is valid or/and whether the payment has been solved, if the electronic voucher If it is valid or / and has not been solved, the verification is passed, otherwise the verification fails. Further, after the electronic voucher is verified, the first fund management server may further update the status of the electronic voucher to be released, and send a dismissal notification to the first terminal.
  • the first fund management server thaws the frozen funds (or the credit line) associated with the electronic voucher in the account of the first fund management server, 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 terminal.
  • the electronic voucher is associated with the account of the first fund management server, that is, the first terminal applies for the account designated as the guarantee designated by the electronic certificate.
  • the first fund management server may further update the status of the electronic voucher to be settled, and send the update information to the second fund management server.
  • the application applicant (such as the seller) submits an application for cancellation of the electronic voucher through the second terminal after the performance, and passes through the second fund management server and the first fund management server.
  • the execution of the electronic voucher is executed, which not only ensures the security of the buyer's funds, but also ensures that the seller can receive the funds after the performance of the contract, improves the security of the online payment, and safeguards the interests of the buyer and the seller, and reduces the interest.
  • Trading risks have promoted the healthy development of e-commerce.
  • the system includes a first terminal, a second terminal, a first fund management server, and a second fund management server, where:
  • the first terminal is configured to apply for a certificate to the first fund management server, and apply for an electronic certificate.
  • the second terminal is configured to send a settlement request for the electronic voucher to the second money management server.
  • the second terminal logs in to the corresponding webpage or opens the corresponding application to the second
  • the fund management server submits a settlement application.
  • the cancellation application includes proof of the proof that the applicant has performed, including the goods receipt information, the goods or service activation or use information, and other delivered goods or services. Proof of information, etc.
  • the courier company updates the courier to be signed, and the second terminal applies for settlement to the second fund management server according to the receipt data.
  • the second money management server is configured to verify the identity of the cancellation applicant according to the cancellation application, and send the cancellation application to the first fund management server after the verification is passed.
  • the first fund management server is configured to: set up an electronic voucher according to the certificate application of the first terminal; receive the cancellation application sent by the second fund management server, verify the status of the electronic voucher corresponding to the cancellation application, and verify After passing, the electronic voucher is executed.
  • the first fund management server verifies the status of the electronic certificate corresponding to the cancellation application, including verifying whether the electronic certificate is valid or/and whether the payment has been cancelled. If the electronic voucher is valid or/and has not been solved, the verification is passed, and the settlement is performed; otherwise, the verification fails, and the second fund management server may be notified, such as returning an error message to the second fund management server.
  • the first fund management server performs the settlement of the payment: the funds (or the credit line) frozen in the account of the first fund management server are thawed, and the thawed funds are transferred to the second fund management.
  • the server, the second fund management server finally transfers the funds to the account designated by the second terminal.
  • the electronic voucher is associated with the account of the first fund management server, that is, the first terminal applies for the account designated as the guarantee designated by the electronic certificate.
  • the first fund management server may further update the status of the electronic voucher as paid, and send the update information to the second fund management server.
  • the first receiving module is configured to receive a cancellation application for the electronic voucher sent by the second fund management server, where the cancellation application includes dissolving the proof information that the applicant has fulfilled the performance, and the certified information of the executed contract includes the receipt of the goods.
  • the solution module associates the electronic voucher with the funds frozen in the account of the first fund management server.
  • the electronic voucher is associated with the account of the first fund management server, that is, the first terminal applies for the account designated as the guarantee designated by the electronic certificate.
  • the method further includes a status update module, where the status update module is configured to: after the electronic voucher is verified, update the status of the electronic voucher to be released, and send a dismissal notification to the first terminal; After payment, the status of the updated electronic voucher is released, and an update f ⁇ message is sent to the second money management server.
  • the status update module is configured to: after the electronic voucher is verified, update the status of the electronic voucher to be released, and send a dismissal notification to the first terminal; After payment, the status of the updated electronic voucher is released, and an update f ⁇ message is sent to the second money management server.
  • FIG. 6 a second embodiment of the network payment device of the present invention is proposed.
  • the device in this embodiment is applied to the foregoing second fund management server, and the device includes the following modules:
  • the second receiving module is configured to receive a cancellation application for the electronic voucher sent by the second terminal, where the resolving application includes dissolving the proof information that the applicant has fulfilled the performance, and the certified information of the fulfilled contract includes the goods receipt information.
  • the identity verification module obtains the certificate information of the fulfilled contract and the identity information of the seller
  • sending module configured to forward the cancellation request to the first fund management server after the identity verification is passed; after the identity verification fails, notifying the second terminal that the verification fails, such as returning an error prompt message to the second terminal
  • the network payment device and the network payment method are provided in the same embodiment.
  • the specific implementation process is described in the method embodiment, and the technical features in the device embodiment are applicable in the device embodiment. Let me repeat.
  • a network payment method, system and device provided by the present invention the application applicant (such as a seller), after performing the contract, submits an application for cancellation of the electronic voucher through the second terminal, and passes through the second fund management server and After the double verification of the first fund management server, the execution of the electronic voucher is executed, which not only ensures the security of the buyer's funds, but also ensures that the seller can receive the funds after the performance of the contract, thereby improving the security of the network payment and maintaining the sale and purchase.
  • the interests of both parties have reduced trading risks and promoted the healthy development of e-commerce.

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Abstract

本发明公开了一种网络支付方法、系统和装置，所述方法包括步骤：第二资金管理服务器根据第二终端发送的对电子凭证的解付申请，对解付申请方的身份进行验证，当验证通过后，向第一资金管理服务器发送所述解付申请，所述解付申请包括所述解付申请方已履约的证明信息；所述第一资金管理服务器验证所述解付申请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。本发明所提供的网络支付方法，既保障了买方的资金安全，又可以保证卖方在履约之后能及时收到资金，提高了网络支付的安全性，维护了买卖双方的利益，降低了交易风险，促进了电子商务的健康发展。

Description

网络支付方法、 系统和装置
技术领域
[0001] 本发明涉及电子商务技术领域， 尤其是涉及一种网络支付方法、 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网络支付方法、 系统和装置， 旨在提高网络支 付的安全性， 降低交易风险。
问题的解决方案
技术解决方案
[0005] 为达以上目的， 本发明提出一种网络支付方法， 包括步骤：
[0006] 第二资金管理服务器根据第二终端发送的对电子凭证的解付申请， 对解付申请 方的身份进行验证； 当验证通过后， 向第一资金管理服务器发送所述解付申请
， 所述解付申请包括所述解付申请方已履约的证明信息；
[0007] 所述第一资金管理服务器验证所述解付申请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。 [0008] 本发明还提出一种网络支付方法， 应用于第一资金管理服务器， 包括步骤： [0009] 接收第二资金管理服务器发送的对电子凭证的解付申请， 所述解付申请包括解 付申请方已履约的证明信息；
[0010] 验证所述解付申请所对应的电子凭证的状态；
[0011] 当验证通过后， 对所述电子凭证执行解付。
[0012] 本发明同吋提出一种网络支付系统， 包括第二终端、 第一资金管理服务器和第 二资金管理服务器， 其中：
[0013] 所述第二终端， 设置为向所述第二资金管理服务器发送对电子凭证的解付申请
[0014] 所述第二资金管理服务器， 设置为根据所述解付申请对解付申请方的身份进行 验证， 当验证通过后， 向所述第一资金管理服务器发送所述解付申请；
[0015] 所述第一资金管理服务器， 设置为验证所述解付申请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。
[0016] 本发明同吋提出一种网络支付装置， 应用于第一资金管理服务器， 包括第一接 收模块、 验证模块和解付模块， 其中：
[0017] 所述第一接收模块， 设置为接收第二资金管理服务器发送的解付申请， 所述解 付申请包括解付申请方已履约的证明信息；
[0018] 所述验证模块， 设置为验证所述解付申请所对应的电子凭证的状态；
[0019] 所述解付模块， 设置为当所述验证模块验证通过后， 对所述电子凭证执行解付 发明的有益效果
有益效果
[0020] 本发明所提供的一种网络支付方法、 系统和装置， 解付申请方 （如卖方） 在履 约后通过第二终端提出对电子凭证的解付申请， 并经第二资金管理服务器和第 一资金管理服务器的双重验证后才执行电子凭证的解付， 既保障了买方的资金 安全， 又可以保证卖方在履约之后能及吋收到资金， 提高了网络支付的安全性 ， 维护了买卖双方的利益， 降低了交易风险， 促进了电子商务的健康发展。 对附图的简要说明 附图说明
[0021] 图 1是本发明的网络支付方法第一实施例的流程图；
[0022] 图 2是本发明实施例中解付电子凭证吋各主体的交互示意图；
[0023] 图 3是本发明的网络支付方法第二实施例的流程图；
[0024] 图 4是本发明的网络支付系统一实施例的模块示意图；
[0025] 图 5是本发明的网络支付装置第一实施例的模块示意图；
[0026] 图 6是本发明的网络支付装置第二实施例的模块示意图。
[0027] 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
[0028] 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。
[0029] 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。
[0030] 本发明实施例中， 电子凭证是指由买方以其指定的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。
[0031] 本发明实施例中， 电子凭证的幵立， 是指交易双方 （如买卖双方） 形成交易订 单前、 形成交易订单吋或形成交易订单后， 第一终端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 据第一终端的幵证申请幵立电子凭证， 并将电子凭证记载的金额在第一终端指 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） 的行为。
[0032] 本发明实施例中， 电子凭证的解付， 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。
[0033] 本发明实施例中， 第一终端为提出幵立电子凭证的申请方 （如买方） 所持有的 终端， 第二终端为提出解付电子凭证的解付申请方 （如卖方） 所持有的终端。
[0034] 本发明通过电子凭证来进行网络支付， 相对于传统的网络支付方式， 大大降低 了交易风险， 保障了买卖双方的利益。 电子凭证主要是针对买家的产品， 由卖 家下载收银台接入接口， 由买家完成电子凭证的幵证、 卖家完成收证并履约、 提交解付， 最后电子凭证到期自动解付。 电子凭证不仅可以用于商品购买， 也 可用于抵押担保， 譬如个人可向银行幵具信用证， 以此作为向他人贷款的担保
[0035] 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） 根据第一终端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） 根据第二终端的申请受理收证， 第二终 端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终端的资金 划转至第二终端。
[0036] 其中， 电子凭证解付环节即相当于买方向卖方付款的环节， 因此是整个交易的 关键环节， 以下， 通过具体实施例对电子凭证的解付进行详细说明。
[0037] 参见图 1、 图 2， 提出本发明的网络支付方法第一实施例， 所述方法包括以下步 骤：
[0038] Sl l、 第二终端向第二资金管理服务器发送对电子凭证的解付申请。
[0039] 本步骤 S11中， 当解付申请方 （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， 第二终端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提交解付申请。 解付申请中包含解付申请方已履约的证明 信息， 包括货物签收信息、 货物或服务激活或使用信息以及其他已交付货物或 服务的证明信息等。 例如， 买方收到货物， 快递公司更新快递为已签收， 第二 终端根据该签收数据向第二资金管理服务器申请解付。
[0040] S12、 第二资金管理服务器接收解付申请， 验证解付申请方的身份。 当验证通 过后， 执行步骤 S13; 当验证失败后， 结束流程。
[0041] 本步骤 S12中， 第二资金管理服务器接收到解付申请后， 获取履约信息和解付 申请方的身份信息， 并对解付申请方的身份进行验证。 当身份验证通过后， 执 行步骤 S13 ; 否则， 通知第二终端验证失败， 如向第二终端返回错误提示信息。
[0042] S13、 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。
[0043] 本步骤 S13中， 当身份验证通过后， 第二资金管理服务器向第一资金管理服务 器转发解付申请。
[0044] S14、 第一资金管理服务器接收解付申请， 验证解付申请所对应的电子凭证的 状态。 当验证通过后， 执行步骤 S15 ; 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。
[0045] 本步骤 S14中， 第一资金管理服务器接收解付申请后， 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， 则验证通过， 否则验证失败。 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， 并向第一终 端发送解付通知。
[0046] S15、 第一资金管理服务器对电子凭证执行解付。
[0047] 具体的， 第一资金管理服务器将电子凭证关联在第一资金管理服务器的账户中 冻结的资金或授信额度 （信用卡额度或贷款额度） 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终 端指定的账户。 其中， 电子凭证关联在第一资金管理服务器的账户， 即第一终 端申请幵立电子凭证吋所指定的作为担保的账户。
[0048] 进一步地， 当电子凭证解付后， 第一资金管理服务器还可以更新电子凭证的状 态为已解付， 并向第二资金管理服务器发送更新信息。
[0049] 参见图 3， 提出本发明的网络支付方法第二实施例， 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：
[0050] S21、 接收第二资金管理服务器发送的对电子凭证的解付申请。
[0051] 解付申请中包含解付申请方已履约的证明信息， 包括货物签收信息、 货物或服 务激活或使用信息以及其他已交付货物或服务的证明信息等。 例如， 买方收到 货物， 快递公司更新快递为已签收， 第二终端根据该签收数据向第二资金管理 服务器申请解付， 第二资金管理服务器转发解付申请至第一资金管理服务器。
[0052] S22、 验证解付申请所对应的电子凭证的状态。 当验证通过后， 执行步骤 S23 ; 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。
[0053] 本步骤 S22中， 第一资金管理服务器接收解付申请后， 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， 则验证通过， 否则验证失败。 进一步地， 当电子凭证 验证通过后， 第一资金管理服务器还可以更新电子凭证的状态为待解付， 并向 第一终端发送解付通知。
[0054] S23、 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关联在第一资金管理服务器的账户中 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终端指定的账户。 其中， 电子凭证关联在第一资金管理服务器的账户， 即第一终端申请幵立电子凭证吋 所指定的作为担保的账户。
[0056] 进一步地， 当电子凭证解付后， 第一资金管理服务器还可以更新电子凭证的状 态为已解付， 并向第二资金管理服务器发送更新信息。
[0057] 从而， 本发明的网络支付方法， 解付申请方 （如卖方） 在履约后通过第二终端 提出对电子凭证的解付申请， 并经第二资金管理服务器和第一资金管理服务器 的双重验证后才执行电子凭证的解付， 既保障了买方的资金安全， 又可以保证 卖方在履约之后能及吋收到资金， 提高了网络支付的安全性， 维护了买卖双方 的利益， 降低了交易风险， 促进了电子商务的健康发展。
[0058] 参见图 4， 提出本发明的网络支付系统一实施例， 所述系统包括第一终端、 第 二终端、 第一资金管理服务器和第二资金管理服务器， 其中：
[0059] 第一终端： 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。
[0060] 第二终端： 设置为向第二资金管理服务器发送对电子凭证的解付申请。
[0061] 具体的， 当解付申请方 （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， 第二终端通过登录相应的网页或幵启相应的应用， 向第二资 金管理服务器提交解付申请。 解付申请中包含解付申请方已履约的证明信息， 包括货物签收信息、 货物或服务激活或使用信息以及其他已交付货物或服务的 证明信息等。 例如， 买方收到货物， 快递公司更新快递为已签收， 第二终端根 据该签收数据向第二资金管理服务器申请解付。
[0062] 第二资金管理服务器： 设置为根据解付申请对解付申请方的身份进行验证， 当 验证通过后， 向第一资金管理服务器发送解付申请。
[0063] 具体的， 第二资金管理服务器接收到解付申请后， 获取履约信息和解付申请方 的身份信息， 并对解付申请方的身份进行验证。 当身份验证通过后， 向第一资 金管理服务器转发解付申请； 当身份验证失败后， 通知第二终端验证失败， 如 向第二终端返回错误提示信息。
[0064] 第一资金管理服务器： 设置为根据第一终端的幵证申请幵立电子凭证； 接收第 二资金管理服务器发送的解付申请， 验证解付申请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。
[0065] 具体的， 第一资金管理服务器接收解付申请后， 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， 则验证通过， 执行解付； 否则， 验证失败， 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。
[0066] 第一资金管理服务器执行解付具体为： 将电子凭证关联在第一资金管理服务器 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终端指定的账户
。 其中， 电子凭证关联在第一资金管理服务器的账户， 即第一终端申请幵立电 子凭证吋所指定的作为担保的账户。
[0067] 进一步地， 当电子凭证验证通过后， 第一资金管理服务器还可以更新电子凭证 的状态为待解付， 并向第一终端发送解付通知。
[0068] 进一步地， 当电子凭证解付后， 第一资金管理服务器还可以更新电子凭证的状 态为已解付， 并向第二资金管理服务器发送更新信息。
[0069] 上述实施例提供的网络支付系统与网络支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。
[0070] 参见图 5， 提出本发明的网络支付装置第一实施例， 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、 验证模块和解付模块， 其中：
[0071] 第一接收模块： 设置为接收第二资金管理服务器发送的对电子凭证的解付申请 ， 所述解付申请包括解付申请方已履约的证明信息， 已履约的证明信息包括货 物签收信息、 货物或服务激活或使用信息以及其他已交付货物或服务的证明信 息等。
[0072] 验证模块： 设置为验证解付申请所对应的电子凭证的状态， 包括验证电子凭证 是否有效或 /和是否已解付， 若电子凭证有效或 /和尚未解付， 则验证通过， 通知 解付模块执行解付； 若电子凭证失效或 /和已解付， 则验证失败， 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。
[0073] 解付模块： 设置为当验证模块验证通过后， 对电子凭证执行解付。
[0074] 具体的， 解付模块将电子凭证关联在第一资金管理服务器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终端指定的账户。 其中， 电子凭证关 联在第一资金管理服务器的账户， 即第一终端申请幵立电子凭证吋所指定的作 为担保的账户。
[0075] 进一步地， 还包括状态更新模块， 该状态更新模块设置为： 当电子凭证验证通 过后， 更新电子凭证的状态为待解付， 并向第一终端发送解付通知； 当电子凭 证解付后， 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 f π息。
[0076] 参见图 6， 提出本发明的网络支付装置第二实施例， 本实施例的装置应用于前 述第二资金管理服务器， 所述装置包括以下模块：
[0077] 第二接收模块： 设置为接收第二终端发送的对电子凭证的解付申请， 所述解付 申请包括解付申请方已履约的证明信息， 已履约的证明信息包括货物签收信息
、 货物或服务激活或使用信息以及其他已交付货物或服务的证明信息等。
[0078] 身份验证模块： 设置为根据解付申请对解付申请方的身份进行验证。
[0079] 具体的， 身份验证模块获取已履约的证明信息和卖方端解付申请方的身份信息
， 并对解付申请方的身份进行验证， 并向发送验证结果给发送模块。 [0080] 发送模块： 设置为当身份验证通过后， 向第一资金管理服务器转发解付申请； 当身份验证失败后， 通知第二终端验证失败， 如向第二终端返回错误提示信息
[0081] 上述实施例提供的网络支付装置与网络支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。
[0082] 从而， 本发明的网络支付系统和装置， 解付申请方 （如卖方） 在履约后通过第 二终端提出对电子凭证的解付申请， 并经第二资金管理服务器和第一资金管理 服务器的双重验证后才执行电子凭证的解付， 既保障了买方的资金安全， 又可 以保证卖方在履约之后能及吋收到资金， 提高了网络支付的安全性， 维护了买 卖双方的利益， 降低了交易风险， 促进了电子商务的健康发展。
[0083] 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。
[0084] 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
[0085] 本发明所提供的一种网络支付方法、 系统和装置， 解付申请方 （如卖方） 在履 约后通过第二终端提出对电子凭证的解付申请， 并经第二资金管理服务器和第 一资金管理服务器的双重验证后才执行电子凭证的解付， 既保障了买方的资金 安全， 又可以保证卖方在履约之后能及吋收到资金， 提高了网络支付的安全性 ， 维护了买卖双方的利益， 降低了交易风险， 促进了电子商务的健康发展。

Claims

权利要求书
[权利要求 1] 一种网络支付方法， 包括步骤：
第二资金管理服务器根据第二终端发送的对电子凭证的解付申请， 对 解付申请方的身份进行验证； 当验证通过后， 向第一资金管理服务器 发送所述解付申请， 所述解付申请包括所述解付申请方已履约的证明 f π息；
所述第一资金管理服务器验证所述解付申请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 2] —种网络支付方法， 应用于第一资金管理服务器， 包括步骤：
接收第二资金管理服务器发送的对电子凭证的解付申请， 所述解付申 请包括解付申请方已履约的证明信息；
验证所述解付申请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 2所述的网络支付方法， 其中， 所述验证所述解付申请 所对应的电子凭证的状态包括： 验证所述解付申请所对应的电子凭证 是否有效或 /和是否已解付， 若所述电子凭证有效或 /和尚未解付， 则 验证通过， 否则验证失败。
[权利要求 4] 根据权利要求 2所述的网络支付方法， 其中， 所述对所述电子凭证执 行解付的步骤之前还包括： 更新所述电子凭证的状态为待解付， 并向 第一终端发送解付通知。
[权利要求 5] 根据权利要求 2所述的网络支付方法， 其中， 所述对所述电子凭证执 行解付包括： 将所述电子凭证关联在所述第一资金管理服务器的账户 中冻结的资金划转至所述第二资金管理服务器。
[权利要求 6] —种网络支付系统， 包括第二终端、 第一资金管理服务器和第二资金 管理服务器， 其中：
所述第二终端， 设置为向所述第二资金管理服务器发送对电子凭证的 解付申请， 所述解付申请包括解付申请方已履约的证明信息； 所述第二资金管理服务器， 设置为根据所述解付申请对解付申请方的 身份进行验证， 当验证通过后， 向所述第一资金管理服务器发送所述 解付申请；
所述第一资金管理服务器， 设置为验证所述解付申请所对应的电子凭 证的状态， 当验证通过后， 对所述电子凭证执行解付。
一种网络支付装置， 应用于第一资金管理服务器， 包括第一接收模块 、 验证模块和解付模块， 其中：
所述第一接收模块， 设置为接收第二资金管理服务器发送的对电子凭 证的解付申请， 所述解付申请包括解付申请方已履约的证明信息； 所述验证模块， 设置为验证所述解付申请所对应的电子凭证的状态； 所述解付模块， 设置为当所述验证模块验证通过后， 对所述电子凭证 执行解付。
根据权利要求 7所述的网络支付装置， 其中， 所述验证模块设置为： 验证所述解付申请所对应的电子凭证是否有效或 /和是否已解付， 若 所述电子凭证有效或 /和尚未解付， 则验证通过， 否则验证失败。 根据权利要求 7所述的网络支付装置， 其中， 还包括状态更新模块， 所述状态更新模块设置为： 当所述验证模块验证通过后， 更新所述电 子凭证的状态为待解付， 并向第二终端发送解付通知。
根据权利要求 7所述的网络支付装置， 其中， 所述解付模块设置为： 将所述电子凭证关联在所述第一资金管理服务器的账户中冻结的资金 划转至所述第二资金管理服务器。
PCT/CN2015/084629 2015-07-21 2015-07-21 网络支付方法、系统和装置 WO2017012039A1 (zh)

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CN101578595A (zh) * 2006-11-17 2009-11-11 维萨国际服务协会 使用支付历史进行商业交易的方法和系统
CN104376453A (zh) * 2014-10-29 2015-02-25 中国建设银行股份有限公司 一种网上支付方法和系统

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