WO2017012040A1

WO2017012040A1 - Electronic certificate payment information transmission method, device and system

Info

Publication number: WO2017012040A1
Application number: PCT/CN2015/084630
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Also published as: CA3128342C; CA3128342A1; CA2994572A1; CA3102025A1

Abstract

An electronic certificate payment information transmission method, device and system, belonging to the technical field of Internet finance. The method comprises: after learning that an item has been signed for, a buyer end generates payment information and sends the payment information to a first funds management server (S101); after receiving the payment information, the first funds management server updates the status of a corresponding electronic certificate to a pending payment status and synchronises the status of the electronic certificate to a second funds management server (S102). Via the described solution, during an e-commerce transaction, once the item has been signed for, the buyer end (10) feeds back the payment information to the first funds management server (20), so that the electronic certificate continues to be valid and smoothly transitions to the next status, thereby ensuring timely electronic certificate payment and funds transferal.

Description

Electronic document voucher information transmission method, device and system

[0001] The present invention relates to the field of Internet finance technologies, and in particular, to a method for transmitting information of an electronic voucher

, devices and systems.

Background technique

[0002] E-commerce uses the Internet platform to link the participating parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, thereby reducing the entire transaction process by networking, electronic, and informational. The cost of the transaction increases the efficiency of the transaction. However, in the current e-commerce application, the transfer of funds mainly relies on the traditional electronic direct transfer payment method and the third-party payment method, and the payment method is single.

[0003] At present, there is a new type of financial instrument that is paid by credit commitment. The electronic credit certificate payment is compared with the traditional online payment method, which greatly reduces the transaction risk and protects the interests of both buyers and sellers. After the electronic credit certificate is established, the validity period is divided into three paragraphs. The time limit is posted on the electronic credit certificate, which is the time limit for receipt, performance, and application for cancellation. If the corresponding action is not executed within the time limit, the electronic credit certificate will be caused. Invalid. Therefore, in the e-commerce transaction process, after the goods are signed, it is necessary to feed back the application for payment information to the fund management server within the time limit for applying for payment, and to complete the delivery of the payment information to ensure that the electronic credit certificate is valid and valid. Funds, otherwise it is easy to cause the electronic credit certificate to expire and terminate the transaction.

technical problem

[0004] In view of the above, the technical problem to be solved by the present invention is to provide a method, a device and a system for transmitting an electronic voucher to solve the problem, and to solve the technical problem of completing the delivery of the information and smoothly transitioning to the state. .

Problem solution

Technical solution

[0005] The technical solution adopted by the present invention to solve the above technical problems is as follows:

[0006] According to an aspect of the present invention, a method for transmitting a payment information of an electronic voucher includes the following steps Step:

[0007] after the buyer knows the goods to be signed, generates the settlement information, and sends the settlement information to the first fund management server;

[0008] After receiving the settlement information, the first fund management server updates the status of the corresponding electronic certificate to the state to be released, and synchronizes the status of the electronic certificate to the second fund management server.

According to another aspect of the present invention, a method for transmitting a payment information of an electronic voucher is provided, which is applied to a buyer, and the method includes the following steps:

[0010] After the buyer knows the goods to be signed, the buyer generates the settlement information;

[0011] transmitting the settlement information to the first fund management server.

[0012] According to still another aspect of the present invention, a method for transmitting an electronic voucher information is applied to a first money management server, and the method includes the following steps:

[0013] After receiving the settlement information sent by the buyer, updating the status of the corresponding electronic certificate to the state to be released [0014] synchronizing the status of the electronic certificate to the second fund management server.

[0015] According to still another aspect of the present invention, there is provided an electronic information voucher dispatching information transmitting apparatus applied to a buyer, the apparatus comprising the following modules:

[0016] an obtaining module, configured to obtain the goods receipt information;

[0017] a generating module, configured to generate a settlement information after the goods are known to be signed;

[0018] The sending module is configured to send the settlement information to the first fund management server.

[0019] According to still another aspect of the present invention, an electronic information voucher dispatching information transmitting apparatus is provided for use in a first money management server, the apparatus comprising the following modules:

[0020] a receiving module, configured to receive the settlement information sent by the buyer;

[0021] a status update module, configured to: after receiving the release information sent by the buyer, update the status of the corresponding electronic certificate to a state to be released;

[0022] The state synchronization module is configured to synchronize the state of the electronic voucher to the second money management server.

[0023] According to still another aspect of the present invention, a solution information transmission system is provided, including:

[0024] the buyer, is configured to generate the settlement information after the goods are known to be signed, and send the settlement information to the first fund management server; [0025] The first money management server is configured to, after receiving the payment information, update the status of the corresponding electronic certificate to a state to be released, and synchronize the status of the electronic certificate to the second fund management server.

Advantageous effects of the invention

Beneficial effect

[0026] The method, device and system for transmitting electronic payment information of an electronic voucher provided by an embodiment of the present invention, in the e-commerce transaction process, once the goods are signed, the buyer end feeds back the payment information to the first fund management server. Make the electronic voucher continue to be effective and smoothly transition to the next state, thus ensuring the transfer of funds by electronic voucher and payment.

Brief description of the drawing

DRAWINGS

1 is a flowchart of a method for transmitting an electronic voucher's payment information according to Embodiment 1 of the present invention.

2 is a flowchart of a method for transmitting payment information applied to a buyer according to a second embodiment of the present invention.

3 is a flowchart of a method for transmitting payment information of an electronic voucher applied to a first fund management server according to Embodiment 3 of the present invention.

4 is a block diagram of a solution for transmitting an electronic voucher for an electronic voucher provided by a buyer according to a fourth embodiment of the present invention.

5 is a block diagram of a structure of a solution for transmitting an electronic voucher applied to a first fund management server according to Embodiment 5 of the present invention.

6 is a block diagram showing another module of a solution for transmitting an electronic voucher applied to a first money management server according to Embodiment 5 of the present invention.

7 is a structural diagram of a solution information transmission system for an electronic voucher according to Embodiment 6 of the present invention.

Embodiments of the invention

The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention. [0035] In the embodiment of the present invention, the electronic voucher is applied to the fund management institution by the buyer with the account fund or the credit line as the security deposit, and the fund management institution promises to handle the electronic credit commitment of the payment settlement according to the payment condition. Payment voucher. The electronic voucher is an Internet-based financial instrument paid by the fund management institution's credit commitment. It is mainly for the buyer's product. The seller downloads the cashier access interface, and the buyer completes the e-voucher certificate, the seller completes the certificate and performs the contract. Submit the payment, and finally the electronic voucher expires automatically. Electronic vouchers can be purchased not only with merchandise but also with collateral. A money management agency is one that supports financial flows, including but not limited to banks and other financial institutions (such as securities institutions). Accordingly, the money management server includes a bank server or other financial institution server.

[0036] In the present application, the flow of the online payment transaction by the electronic voucher is roughly as follows: After the buyer and the seller form an order, the buyer applies for the certificate to the first fund management server (ie, the certificate server) through the buyer terminal. Of course, the buyer can also voluntarily apply for a certificate without forming a transaction order. After the first fund management server accepts the application, the electronic certificate is submitted according to the certificate, and the corresponding amount of funds or credit line of the buyer account is frozen. After confirming the order, the seller applies for the receipt to the second fund management server (ie, the receiving server) through the seller (the receiving end), and the second fund management server verifies the information and then receives the certificate. The electronic certificate enters the performance period and waits for the seller. Send goods or provide services. After the seller performs the contract, it submits the performance information (such as the logistics order number) to the second fund management server. The second fund management server changes the status of the electronic voucher. The electronic voucher enters the signing period and waits for the buyer to sign the goods. After the buyer signs the goods during the signing period, that is, after the seller completes the corresponding trading conditions according to the payment conditions of the electronic voucher, the electronic voucher enters the settlement period. Within the time limit for applying for payment, the seller entrusts the second fund management server to apply for settlement to the first fund management server. After the first fund management server determines that the settlement condition has been reached, the fund or credit limit for the frozen amount of the buyer account is released. The funds are transferred to the second fund management server, and the second fund management server transfers the funds to the seller's designated collection account (ie, the collection account). At this point, the online payment is completed and the entire transaction is completed.

[0037] wherein, after the electronic voucher is established, the validity period is divided into three segments, and the interim time period is uploaded on the electronic voucher, which is the time limit for the seller to receive the certificate, perform the contract, and apply for the settlement. If the corresponding action is not executed within the time limit, The electronic voucher is invalid.

[0038] It should be understood that the above is only one way of using the electronic voucher, and it is also possible to use the electronic voucher to purchase the service. In the purchase of the service, such as the hotel transaction scenario, the hotel reservation is successful, that is, the hotel has performed About. Of course, electronic vouchers can also be used to transfer funds. In different situations, the understanding of performance and receipt has also changed. That is to say, when a merchant provides a commodity or service, it may directly cause the status of the electronic voucher to flow through the performance period and the receipt period, and directly enter the settlement, such as a face-to-face transaction.

[0039] Embodiment 1

[0040] As shown in FIG. 1, a method for transmitting electronic payment information of an electronic voucher according to an embodiment of the present invention includes the following steps:

[0041] S101. After obtaining the information that the commodity is signed, the buyer generates the cancellation information, and sends the cancellation information to the first fund management server.

[0042] Specifically, the buyer and the seller conduct transactions through e-commerce, the client used by the buyer is the buyer, and the client used by the seller is the seller. After the buyer places an order with the seller through the buyer, the buyer then generates a request for the electronic voucher through the buyer (the certificate) and sends it to the first fund management server. The first fund management server requests to freeze the buyer account. The second party management server receives the electronic voucher and sends the electronic voucher to the second fund management server. After receiving the electronic voucher, the second fund management server notifies the seller. After the seller confirms the order through the seller, the second fund management server receives the electronic voucher, and The received information is sent to the seller, and the electronic voucher enters the performance period. After the seller delivers the goods or provides the service during the performance period, the buyer signs the goods. Once the buyer has been informed of the receipt of the goods (such as the signing of the logistics company and the signing of the e-commerce platform), the payment information is generated, and the second fund management server is fed back to apply for the payment and smoothly enter the next step. The buyer may send the cancellation application information to the first fund management server by logging in to the corresponding webpage by the buyer or launching the corresponding application, or may automatically send the settlement information to the first fund management server after receiving the receipt information by the buyer. . The settlement information may include the receipt information and the payment condition, and may also include the identity information of the buyer, so as to verify the identity of the buyer.

[0043] S102. After receiving the settlement information, the first fund management server updates the status of the corresponding electronic certificate to a state to be released, and synchronizes the status of the corresponding electronic certificate to the second fund management server.

[0044] In the embodiment of the present invention, the delivery of the settlement information is completed by the buyer and the first fund management server, and the state of the electronic certificate is modified by the first fund management server and synchronized to the second fund management server, so that the electronic certificate is valid. And smoothly transition to the next state, thus ensuring the transfer of funds by electronic voucher and payment [0045] Embodiment 2

[0046] As shown in FIG. 2, an embodiment of the present invention provides a method for transmitting an electronic voucher information, which is applied to a buyer. The method includes the following steps:

[0047] S201. After obtaining the information that the product is signed, the settlement information is generated.

[0048] Specifically, the buyer can obtain the information of the goods received on the line (such as an e-commerce platform), or the buyer can obtain the information of the goods received online. The signing information includes but is not limited to the receipt and receipt of the logistics company and the signing of the e-commerce platform. The payment information may include the signing information and the payment condition, and may also include the identity information of the buyer, so as to verify the identity of the buyer.

[0049] S202. Send the settlement information to the first fund management server.

[0050] Specifically, the buyer may send the cancellation application information to the first fund management server by logging in to the corresponding webpage or launching the corresponding application through the buyer end, or may automatically send the first fund to the first fund after receiving the receipt information by the buyer. The management server sends the settlement information.

[0051] In the embodiment of the present invention, the buyer submits the application settlement information to the first fund management server after signing, and completes the delivery of the settlement information, so that the electronic certificate is valid and smoothly transitions to the next state.

In order to ensure the electronic voucher and the payment of funds.

Embodiment 3

[0053] As shown in FIG. 3, an embodiment of the present invention provides a method for transmitting an electronic voucher information, which is applied to a first fund management server, and the method includes the following steps:

[0054] S301. Receive the payment information sent by the buyer.

[0055] S302. Verify the identity of the buyer. If the verification is passed, go to step S303, otherwise go to step S306.

[0056] Specifically, this step is a preferred step set to further improve the security of the transaction. Among them, the verification of the buyer's identity information is realized by mobile phone dynamic code or by electronic signature. The mobile phone dynamic code uses the mobile phone as a random password to generate or accept the terminal. The mobile phone dynamic code is a one-time effective password security protection measure, which can greatly enhance the security of identity authentication or transaction.

[0057] S303. Verify the authenticity of the electronic voucher. If the verification is passed, go to step S304, otherwise, go to step S306.

[0058] S304. Update the status of the corresponding electronic voucher to a state to be solved. [0059] S305. Synchronize the status of the electronic voucher to the second fund management server.

[0060] S306. End the process.

[0061] In the embodiment of the present invention, the first fund management server further improves the security of the transaction by verifying the identity of the buyer and the authenticity of the electronic certificate.

Embodiment 4

[0063] As shown in FIG. 4, an apparatus for transmitting electronic information of an electronic voucher provided by an embodiment of the present invention is applied to a buyer terminal, and the device includes the following modules:

[0064] The obtaining module 101 is configured to obtain the goods receipt information.

[0065] Specifically, the obtaining module 101 may obtain the goods receipt information on an online (such as an e-commerce platform), and may directly receive the purchase receipt information. Among them, the receipt information includes but is not limited to the receipt and receipt of the logistics company and the signing of the e-commerce platform.

[0066] The generating module 102 is configured to generate the settlement information after the goods are known to be signed.

[0067] Specifically, the settlement information may include the receipt information and the payment condition, and the like, and may further include the identity information of the buyer to subsequently verify the identity of the buyer.

[0068] The sending module 103 is configured to send the settlement information to the first fund management server.

[0069] Specifically, the buyer may send the cancellation application information to the first fund management server by logging in to the corresponding webpage or launching the corresponding application by the buyer, or may automatically send the first fund to the first fund after receiving the receipt information by the buyer. The management server sends the settlement information.

[0070] In the present embodiment, the settlement information is submitted by the buyer to the first money management server, thereby completing the delivery of the settlement information.

[0071] Embodiment 5

[0072] As shown in FIG. 5, the information delivery device for the electronic voucher provided by the embodiment of the present invention is applied to the first fund management server, and the device includes a receiving module 201, a status update module 202, and a state synchronization module 203. among them:

[0073] The receiving module 201 is configured to receive the settlement information sent by the buyer.

[0074] The status update module 202 is configured to update the status of the corresponding electronic certificate to the to-be-discarded state after receiving the payment information sent by the buyer.

[0075] The state synchronization module 203 is configured to synchronize the state of the electronic voucher to the second money management server. [0076] Referring to FIG. 6, as a preferred solution, the apparatus may further include a verification module 204, configured to perform identity verification and/or verification of authenticity of the electronic certificate after receiving the cancellation information, thereby further improving the transaction. Security.

[0077] In this embodiment, after the first fund management server receives the settlement information, the state of the electronic voucher is further synchronized to the second fund management server, thereby completing the delivery of the settlement information.

[0078] Embodiment 6

[0079] As shown in FIG. 7, a solution information transmission system for an electronic voucher according to an embodiment of the present invention includes:

[0080] The buyer 10 is arranged to generate the settlement information after the receipt of the receipt of the goods, and to transmit the settlement information to the first money management server 20.

[0081] Specifically, after the buyer 10 can obtain the information of the goods received by the online (such as an e-commerce platform), the buyer can directly input the receipt information. Among them, the receipt information includes but is not limited to the receipt and receipt of the logistics company and the signing of the e-commerce platform. The generated settlement information may include the receipt information and the settlement condition, and the like, and may also include the identity information of the buyer for subsequent verification of the identity of the buyer. The buyer may send the cancellation application information to the first fund management server by logging in to the corresponding webpage by the buyer or launching the corresponding application, or may automatically send the settlement information to the first fund management server after receiving the receipt information by the buyer. .

[0082] The first money management server 20 is configured to, after receiving the payment information, update the status of the corresponding electronic certificate to a state to be released, and synchronize the status of the electronic certificate to the second fund management server.

[0083] As a preferred embodiment, in order to prevent and correct abnormality or tampering of the delivery information during delivery, the first money management server 20 is further configured to: after receiving the cancellation information, the solution The payment information is sent to the second money management server.

[0084] As another preferred embodiment, in order to further improve the security of the transaction, the first money management server 20 is further configured to: after receiving the payment information, perform identity verification. For example, verify the buyer's identity information. Among them, the verification of the buyer's identity information is realized by the mobile phone dynamic code or by electronic signature. The mobile phone dynamic code uses the mobile phone as a random password to generate or accept the terminal. The mobile phone dynamic code is a one-time effective password security protection measure, which can greatly enhance the user identity authentication or transaction security.

[0085] As a further preferred embodiment, in order to prevent the electronic voucher information from being tampered with, the first money management server 20 is further configured to verify the authenticity of the electronic voucher after receiving the payment information.

[0086] It should be noted that the foregoing method embodiments, apparatus, and system embodiments belong to the same technical concept, and therefore, the technical features in the first embodiment, the second embodiment, and the third embodiment are in the device embodiment four and the fifth embodiment. It is applicable in the sixth embodiment of the system, and will not be repeated here.

[0087] A method, device and system for transmitting electronic payment information of an electronic voucher provided by an embodiment of the present invention, in the e-commerce transaction process, once the commodity is signed, the buyer end feeds back the payment information to the first fund management server. Make the electronic voucher continue to be effective and smoothly transition to the next state, thus ensuring the electronic voucher and the payment of the allocated funds.

[0088] Those skilled in the art can understand that all or part of the steps in implementing the foregoing embodiments may be performed by a program to control related hardware, and the program may be stored in a computer readable storage medium. The storage medium described, such as a ROM/RAM, a magnetic disk, an optical disk, or the like.

The preferred embodiments of the present invention have been described above with reference to the drawings, and are not intended to limit the scope of the invention.

A person skilled in the art can implement the invention in various modifications without departing from the scope and spirit of the invention. For example, the features of one embodiment can be used in another embodiment to obtain a further embodiment. Any modifications, equivalent substitutions and improvements made within the technical concept of the invention are intended to be within the scope of the invention.

Industrial applicability

[0090] The method, device and system for transmitting electronic payment information of an electronic voucher provided by an embodiment of the present invention, in the e-commerce transaction process, once the commodity is signed, the buyer end feeds back the payment information to the first fund management server. Make the electronic voucher continue to be effective and smoothly transition to the next state, thus ensuring the transfer of funds by electronic voucher and payment. Therefore, it has industrial applicability.

Claims

Claim

A method for transmitting information of an electronic voucher, the method comprising the following steps: after the buyer knows the receipt of the goods, the buyer generates the cancellation information, and sends the cancellation information to the first fund management server;

After receiving the settlement information, the first fund management server updates the status of the corresponding electronic voucher to a state to be released, and synchronizes the status of the electronic voucher to the second fund management server.

A method for transmitting information of an electronic voucher is applied to a buyer, wherein the method comprises the following steps:

After the buyer knows the goods to be signed, the buyer generates the settlement information;

The settlement information is sent to the first money management server.

A method for transmitting payment information of an electronic voucher is applied to a first fund management server, wherein the method comprises the following steps:

After receiving the payment information sent by the buyer, the status of the corresponding electronic certificate is updated to the state to be released;

Synchronizing the status of the electronic voucher to a second funds management server.

The method of claim 3, wherein the method further comprises: after receiving the settlement information, the first money management server performs identity verification and/or performs authenticity verification on the electronic certificate.

The method for transmitting payment information according to claim 4, wherein said performing identity verification is implemented by a mobile phone dynamic code or by an electronic signature.

An electronic information voucher dispatching information transmission device is applied to a buyer, and the device comprises the following modules:

Obtaining a module, and setting the information to be received by the product;

Generating a module, configured to generate a settlement information after the goods are known to be signed;

And a sending module, configured to send the settlement information to the first fund management server. An electronic information voucher dispatching information transmission device is applied to a first fund management server, and the device comprises the following modules: a receiving module, configured to receive the payment information sent by the buyer;

The status update module is configured to: after receiving the payment information sent by the buyer, update the status of the corresponding electronic certificate to a pending status;

A status synchronization module is arranged to synchronize the status of the electronic voucher to a second money management server.

[Claim 8] The dispatch information transmission device according to claim 7, wherein the device further comprises: a verification module configured to perform identity verification and/or perform authenticity on the electronic voucher after receiving the release information Pseudo verification.

[Claim 9] A solution information transmission system, the system comprising:

The buyer side is configured to generate the settlement information after the information of the goods is received, and send the cancellation information to the first fund management server;

The first money management server is configured to, after receiving the settlement information, update the status of the corresponding electronic certificate to a state to be released, and synchronize the status of the electronic certificate to the second fund management server.

[Claim 10] The settlement information transmission system according to claim 9, wherein the first money management server is further configured to: after receiving the settlement information, perform identity verification and/or electronic vouchers Perform authenticity verification.