WO2017012045A1

WO2017012045A1 - Electronic certificate receiving method, device and system

Info

Publication number: WO2017012045A1
Application number: PCT/CN2015/084637
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: CA2993103A1

Abstract

Disclosed are an electronic certificate receiving method, device and system, belonging to the technical field of Internet finance. The method comprises: a second terminal sends a preset receiving condition to a second funds management server; the second funds management server receives and stores the receiving condition, after receiving a receiving notification sent by a notification end, compares whether the receiving condition is met according to electronic certificate information and the receiving condition, and if the receiving condition is met, receives a corresponding electronic certificate. In the present invention, the second funds management server, via the receiving condition set by the second terminal, screens electronic certificates meeting the condition and performs collection, and eliminates electronic certificates not meeting a transaction condition, satisfying requirements of a seller for screening and filtering transaction orders and transaction objects, and thereby implementing selective receiving by the seller.

Description

Method, device and system for receiving electronic voucher

[0001] The present invention relates to the field of Internet finance technologies, and in particular, to a method, device and system for receiving electronic voucher.

Background technique

[0002] Payment refers to the payment of money based on economic contracts during trading activities. Many banks or enterprises provide online payment tools that allow users to operate terminal devices such as computers and mobile phones to implement online payment. The way of online payment provides users with great convenience. However, in the traditional online payment methods, such as online banking, third-party payment, etc., the payment is issued by the bank or the payment institution, and the payment is made from the payer account to the payee's designated payee account. The payment process of the payment party, the payee bank or the payment institution will only be credited to the payee account after receiving the payment from the payment institution.

[0003] In the above payment method, the paying party must obtain the complete and accurate account information of the payee to make the payment, and once the paying party mistakes the payment object or the amount, the funds will not be reversibly paid to the wrong account, resulting in funds. It is difficult to recover or recover, and the problem is also caused by the payee who needs a refund. For the payee, it can only passively collect money, can not refuse to enter the account, and can not selectively collect money, can not meet the seller's demand for screening and filtering of trading order information and trading objects, and selective collection.

technical problem

In view of the above, the technical problem to be solved by the present invention is to provide a method, device and system for receiving electronic voucher to solve the technical problem that the seller cannot selectively collect the money.

Problem solution

Technical solution

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

According to an aspect of the present invention, a method for receiving an electronic voucher includes the following steps: [0007] The second terminal sends a preset receipt condition to the second fund management server; [0008] the second fund management server receives and stores the receipt condition;

[0009] After receiving the notification of the to-be-sent notification sent by the notification end, the second fund management server compares the electronic voucher information and the collection condition according to whether the condition is met, and if the receiving condition is met, the corresponding electronic certificate is received.

[0010] wherein the notification to be received includes electronic voucher information.

[0011] According to another aspect of the present invention, a method for receiving an electronic voucher is provided for use in a second fund management server, the method comprising the steps of:

[0012] receiving and storing a preset receipt condition sent by the second terminal;

[0013] receiving a notification to be received sent by the notification end, where the notification to be received includes electronic voucher information;

[0014] According to the electronic voucher information and the receiving condition, the matching condition is met, and if the receiving condition is met, the corresponding electronic voucher is received.

[0015] According to still another aspect of the present invention, a receiving device for an electronic voucher is provided for use in a second money management server, the device comprising the following modules:

[0016] The first receiving module is configured to receive and store a preset receiving condition sent by the second terminal;

[0017] The second receiving module is configured to receive a to-be-notified notification sent by the notification end, where the to-be-received notification includes the electronic voucher information;

[0018] the comparison module is configured to compare whether the electronic voucher information and the receipt condition meet the receiving condition;

[0019] The processing module is configured to receive the corresponding electronic credential when the receiving condition is met.

[0020] According to still another aspect of the present invention, a receiving system for an electronic voucher includes a second terminal, a notification end, and a second money management server, wherein:

[0021] the second terminal is configured to send a preset receipt condition to the second fund management server;

[0022] the notification end is configured to send a to-be-notified notification to the second fund management server, where the to-be-notified notification includes the electronic voucher information;

[0023] The second fund management server is configured to receive and store the receipt condition and the to-be-received notification; and according to the electronic credential information and the collection condition, whether the eligibility condition is met, and if the reception condition is met, the corresponding electronic voucher is received. .

Advantageous effects of the invention

Beneficial effect [0024] The method, device and system for collecting electronic voucher provided by the embodiment of the present invention are sent to the second fund management server by setting the receiving condition of the second terminal, and the second fund management server selects the electronic certificate corresponding to the condition for collecting , Eliminate the electronic voucher that does not meet the trading conditions, can meet the seller's demand for filtering and filtering the transaction orders and transaction objects, so as to achieve the seller's selective collection.

Brief description of the drawing

DRAWINGS

1 is a flowchart of a method for collecting an electronic voucher according to Embodiment 1 of the present invention.

2 is a flowchart of a method for receiving an electronic voucher according to a second embodiment of the present invention.

3 is a flowchart of a method for receiving an electronic voucher according to Embodiment 3 of the present invention.

4 is a block diagram of a device for receiving an electronic voucher according to Embodiment 4 of the present invention.

5 is a block diagram of another electronic receipt voucher receiving device according to Embodiment 4 of the present invention.

6 is a structural diagram of a system for receiving an electronic voucher according to Embodiment 5 of the present invention.

Embodiments of the invention

The present invention will be further described in detail 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.

[0032] In the embodiment of the present invention, the electronic voucher, that is, the electronic voucher that the bank promises to pay the fund according to the agreed condition, means that the bank freezes the required amount of funds or uses the credit line according to the application of the witness, and promises to comply with the agreement. The electronic commitment promise payment vouchers for payment settlement.

[0033] 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 first terminal (the certificate terminal). Of course, the buyer can also voluntarily apply for a certificate without forming a transaction order. After the first fund management server accepts, it shall file an electronic voucher according to the application for the certificate, and freeze the funds or credit line of the corresponding amount of the buyer account. After the seller confirms the order, the second terminal (the receiving end) applies to the second fund management server (ie, the receiving server) to apply for the receipt, and the second fund management server verifies the information and then receives the certificate, and the electronic voucher enters the performance period, waiting The seller sends the goods or provides the service. After the seller performs the contract, it submits the performance information (such as the logistics order number) to the second fund management server, and the second fund management server Change the status of the electronic voucher, the electronic voucher enters the signing period, waiting for the buyer to sign the goods. After the buyer signs the goods in 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.

[0034] wherein, after the electronic voucher is established, the validity period is divided into three segments, and the inter-day term 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.

[0035] 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. After purchasing the service, such as the hotel transaction scenario, the hotel reservation was successful, that is, the hotel performed the contract. 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 certificate to flow through the performance period and the receipt period, and directly enter the settlement, such as a face-to-face transaction.

[0036] Embodiment 1

[0037] As shown in FIG. 1 , a method for receiving an electronic voucher according to an embodiment of the present invention includes the following steps: [0038] S101. The second terminal sends a preset collection condition to the second fund management server.

[0039] Specifically, the preset acceptance condition of the seller includes a range of electronic certificate parameters that can be received or a range of electronic document parameters of the rejection certificate. The electronic voucher parameters include, but are not limited to, any combination of one or more of the following parameters: 幵吋、, transaction object information, solvency rate, bank information, 幵 amount, performance period, receipt period, electronic voucher model, Release mode and transaction order number, etc. The seller sets the range of the certifiable parameters or the range of the refusal certificate on the second terminal according to the demand setting, and sends it to the second fund management server. For example, the rejection of the overdue certificate, the rejection of the identity information mismatch, the rejection of the cancellation rate is too low, the bank’s rejection of bad credit, the excessive amount of the certificate or the rejection is too small, and the performance period is too Short rejection, rejection of the receipt period is too short, rejection of the electronic voucher model mismatch, rejection of the dismissal mode mismatch, and rejection of the transaction order number mismatch. The following is an example of its application scenario:

[0040] Refusal of overdue certificate: The seller holds a limited group purchase activity, ending the event at 12 o'clock on a certain day, and adopting the payment method For electronic voucher, one of the default conditions for receipt can be that the card is placed before 12 o'clock on a certain day. If the buyer places an order before 12 o'clock, but the card is not confirmed after 12 o'clock, the e-voucher is rejected.

[0041] The rejection rate is too low: the electronic voucher information may include the settlement rate of the counterparty, that is, the proportion of the number of electronic certificates successfully processed in the electronic voucher service handled by the transaction, as a percentage of the total number of transactions, The electronic voucher is a payment tool for cash on delivery. There may be competitors or malicious users who refuse to accept the goods after receiving the order or other malicious transaction means that the electronic voucher cannot be solved, so that the settlement rate is significantly lower than that of the normal user. To avoid such malicious users, one of the default collection conditions may be the lower limit of the settlement rate, and the user is eliminated by the cancellation rate to avoid losses, such as rejection of users whose cancellation rate is less than 50%.

[0042] Rejection of short-term performance period: The short-term performance period of the electronic voucher will result in the seller not being able to complete the stocking and delivery operations during the performance period, resulting in the invalidation of the electronic voucher. One of the default acceptance conditions may be the performance of the contract. The lower limit. If the performance period is less than 1 day, the loss will be avoided.

[0043] The rejection period is too short: After the seller delivers the goods, the goods need to be transported according to the distance. If the signing period is too short, the goods will not be delivered later than during the signing period, which will lead to the electronic voucher. Invalid. One of the default acceptance conditions may be the lower limit of the receipt period, which is lower than the rejection of this length.

[0044] Rejection of the transaction order number does not match: The buyer can record the transaction order number in the electronic voucher information for the seller to identify according to the generated transaction order, but if the order number is incorrectly filled, the seller may not recognize the The payment is which order is paid, and the transaction cannot be completed. One of the preset collection conditions may be the transaction order number matching condition, and the transaction order number recorded in the electronic certificate is compared with the seller order database, and there is no matching data. Then refused.

[0045] As a preferred embodiment, in order to make the collection condition more flexible and fast, the seller's preset collection conditions may further include: a white list according to the transaction object, such as a high degree of credibility of long-term friendly cooperation. The buyer is whitelisted for special treatment, so that after screening the information, as long as the buyer is whitelisted, it is directly judged as a collectable certificate, no longer compares the parameter range of the electronic voucher information, to avoid the transaction parameters may fall into the rejection. The rejection caused by the acceptance of the conditions affects the cooperative relationship.

[0046] As another preferred embodiment, in order to make the collection condition more rigorous and fast, the seller's preset collection condition may further include: a blacklist set according to the transaction object. For example, if you are unwilling to cooperate or have bad credit buyers blacklisted, if you filter the information, as long as the buyer is blacklisted, it will be judged as rejected, no longer compare the parameters of the electronic voucher information to avoid trading. Falling into acceptable parameter conditions吋 The resulting receipt.

[0047] S102. The second fund management server receives and stores the receipt condition.

[0048] S103. After receiving the notification of the to-be-sent notification sent by the notification end, the second fund management server compares the electronic voucher information with the certificate-receiving condition to meet the receiving condition, and if the receiving condition is met, receives the corresponding electronic certificate.

[0049] Specifically, the notification end includes, but is not limited to: a first fund management server, a second fund management server, or a first terminal, etc., and may be set according to actual needs in a specific application. The notice to be received includes electronic voucher information, including but not limited to the information of the securities, the transaction object information, the settlement rate, the bank information of the bank, the amount of the certificate, the performance period, the period of receipt, the model of the electronic certificate, and the payment Parameters such as mode and/or trade order number.

[0050] The second fund management server compares the electronic voucher data to be received according to the default condition of the seller, and if the electronic voucher data of the certificate to be received meets the receiving condition, the card is judged to be receivable, and the second fund is managed. The server initiates a certificate application; if the reception condition is not met, the rejection certificate is determined.

[0051] In the embodiment of the present invention, the second terminal sets the collection condition and sends it to the second fund management server, and the second fund management server selects the qualified electronic certificate to collect, and eliminates the electronic certificate that does not meet the transaction condition. It can satisfy the seller's filtering and filtering requirements for trading orders and trading objects, so as to realize the seller's selective collection.

Embodiment 2

[0053] As shown in FIG. 2, a method for receiving an electronic voucher according to an embodiment of the present invention includes the following steps: [0054] S201: The second terminal sends a preset collection condition to the second fund management server.

[0055] S202. The second fund management server receives and stores the receipt condition.

[0056] S203. The first fund management server sends a to-be-certified notification to the second fund management server, where the to-be-certified notification includes electronic voucher information.

[0057] It should be noted that, in the embodiment of the present invention, only the first fund management server is used as a notification for description. In an actual application, the first terminal or the second fund management server may also be used as the notification end.

[0058] S204. The second fund management server determines, according to the transaction object, whether the condition of the certificate is met.

[0059] S205. Determine whether the transaction object is in the white list. If yes, go to step S208, otherwise execute step S206. [0060] S206. Determine whether the transaction object is in the blacklist. If yes, go to step S209, otherwise go to step S207.

[0061] S207. According to the electronic voucher information and the range of the certifiable parameter range/rejection certificate parameter, whether the receiving condition is met, if the receiving condition is met, step S208 is performed, otherwise step S209 is performed.

[0062] Specifically, in this embodiment, it is determined whether the transaction object is in the whitelist or the blacklist. If it is in the whitelist, it is determined to be in compliance with the receiving condition, and if it is in the blacklist, it is determined to be inconsistent with the receiving condition. . If the transaction object is not in the whitelist and the blacklist, and according to the electronic voucher information and the range of the receivable parameter range/rejection permit parameter, whether the matching condition is met, if the electronic voucher parameter falls within the range of the receivable parameter, it is determined as If the electronic voucher parameter falls within the scope of the rejection certificate parameter, it is determined that the reception condition is not met.

[0063] S208. Receive the corresponding electronic voucher, and go to step S210.

[0064] S209. Send a rejection notification to the first fund management server.

[0065] S210. End the process.

[0066] On the basis of the first embodiment, the first fund management server sends a notification to be received, and the second fund management server first filters the transaction object through the black and white list, and then the transaction object is not in the black and white list. The electronic voucher information in the comparison is compared, which further enhances the flexibility of selection.

[0067] Embodiment 3

[0068] As shown in FIG. 3, a method for receiving an electronic voucher according to an embodiment of the present invention is applied to a second fund management server, and the method includes the following steps:

[0069] S301. Receive and store a preset receipt condition sent by the second terminal.

[0070] Specifically, the preset acceptance condition of the seller includes a range of electronic certificate parameters that can be received or an electronic document parameter range of the rejection certificate. The electronic voucher parameters include, but are not limited to, any combination of one or more of the following parameters: 幵吋、, transaction object information, solvency rate, bank information, 幵 amount, performance period, receipt period, electronic voucher model, Release mode and transaction order number, etc. The seller sets the range of the receivable parameters or the range of the rejection parameters according to the requirements. For example, the rejection of the overdue certificate, the rejection of the identity information mismatch, the rejection of the cancellation rate is too low, the bank’s rejection of bad credit, the excessive amount of the certificate or the rejection is too small, and the performance period is too Short rejection, rejection of the receipt period is too short, rejection of the electronic voucher model mismatch, rejection of the dismissal mode mismatch, and rejection of the transaction order number mismatch. [0071] As a preferred embodiment, in order to make the collection condition more flexible and fast, the seller's preset collection conditions may further include: a white list set according to the transaction object, such as a high degree of credibility of long-term friendly cooperation. The buyer is whitelisted for special treatment, so that after screening the information, as long as the buyer is whitelisted, it is directly judged as a collectable certificate, no longer compares the parameter range of the electronic voucher information, to avoid the transaction parameters may fall into the rejection. The rejection caused by the acceptance of the conditions affects the cooperative relationship.

[0072] As another preferred embodiment, in order to make the collection condition more rigorous and fast, the seller's preset collection condition may further include: a blacklist set according to the transaction object. For example, if you are unwilling to cooperate or have bad credit buyers blacklisted, if you filter the information, as long as the buyer is blacklisted, it will be judged as rejected, no longer compare the parameters of the electronic voucher information to avoid trading. A certificate that falls under the acceptable parameter conditions.

[0073] S302. Receive a notification to be received sent by the notification end, where the notification to be received includes electronic voucher information.

[0074] The notification end includes, but is not limited to, the first fund management server, the second fund management server, or the first terminal, and the like, and may be set according to actual needs in a specific application. The notice to be received includes electronic voucher information, including but not limited to the information of the securities, the transaction object information, the settlement rate, the bank information of the bank, the amount of the certificate, the performance period, the period of receipt, the model of the electronic certificate, and the payment Parameters such as mode and/or trade order number.

[0075] S303. Depending on whether the electronic voucher information and the receipt condition match the receiving condition, if the receiving condition is met, the corresponding electronic voucher is received.

[0076] As a preferred solution, the second fund management server first determines whether the receiving condition is met according to the transaction object, and if it is in the white list, it is determined that the receiving condition is met, and if it is in the blacklist, it is determined that the receiving condition is not met. If the transaction object is not in the white list and the blacklist, and then according to the electronic voucher information and the range of the receivable parameter range/rejection permit parameter, whether the matching condition is met, if the electronic voucher parameter falls within the range of the receivable parameter, then the judgment is made. In order to meet the receiving condition, if the electronic voucher parameter falls within the scope of the rejection certificate parameter, it is determined that the receiving condition is not met.

[0077] Embodiment 4

[0078] A receiving device for an electronic voucher provided by an embodiment of the present invention is applied to a second fund management server, and the device includes the following first receiving module 301, second receiving module 302, comparison module 303, and processing module. 304, where:

[0079] The first receiving module 301 is configured to receive and store a preset receiving condition sent by the second terminal.

[0080] Specifically, the preset acceptance condition of the seller includes a range of electronic certificate parameters that can be received or an electronic document parameter range of the rejection certificate. The electronic voucher parameters include, but are not limited to, any combination of one or more of the following parameters: 幵吋、, transaction object information, solvency rate, bank information, 幵 amount, performance period, receipt period, electronic voucher model, Release mode and transaction order number, etc. The seller sets the range of certifiable parameters or the range of refusal parameters according to the requirements. For example, the rejection of the overdue certificate, the rejection of the identity information mismatch, the rejection of the cancellation rate is too low, the bank’s rejection of bad credit, the excessive amount of the certificate or the rejection is too small, and the performance period is too Short rejection, rejection of the receipt period is too short, rejection of the electronic voucher model mismatch, rejection of the dismissal mode mismatch, and rejection of the transaction order number mismatch.

[0081] The following is an example of its application scenario:

[0082] Rejection of overdue certificate: The seller holds a limited group purchase activity, ending the activity at 12 o'clock on a certain day, and adopting an electronic voucher for the payment method. One of the conditions for receiving the receipt received by the first receiving module 301 is Before 12 o'clock on a certain day, if the buyer places an order before 12 o'clock, but does not test it after 12 o'clock, the electronic voucher is rejected.

[0083] The rejection rate is too low: the electronic voucher information may include the settlement rate of the transaction partner, that is, the ratio of the number of electronic certificates successfully processed in the electronic voucher service handled by the transaction, as a percentage of the total number of transactions, The electronic voucher is a payment tool for cash on delivery. There may be competitors or malicious users who refuse to accept the goods after receiving the order or other malicious transaction means that the electronic voucher cannot be solved, so that the settlement rate is significantly lower than that of the normal user. One of the receiving conditions received by the first receiving module 301 is the lower limit of the solution rate. Orders that are below the lower limit of the settlement rate avoid losses, such as rejections for users with a settlement rate below 50%.

[0084] Rejection of short-term performance period: The short-term performance period of the electronic voucher will result in the seller failing to complete the stocking and delivery operations during the performance period, thereby causing the electronic voucher to be invalid, and the receiving condition received by the first receiving module 301 One of the lower limit of the performance period. If the performance period is less than 1 day, the loss will be avoided.

[0085] The rejection period is too short: After the seller delivers the goods, the goods need to be transported according to the distance. If the signing period is too short, the goods will not be delivered later than during the signing period, which will lead to the electronic voucher. Invalid. One of the conditions of the receipt received by the first receiving module 301 is the lower limit of the receipt period. The seller can set the minimum period of the receipt period according to the time required for the transportation of the goods, which is lower than the rejection of the length.

[0086] The rejection of the transaction order number does not match: the buyer is based on the generated transaction order, the electronic voucher information The transaction order number can be recorded for the seller to identify, but if the order number is incorrectly filled, it may result in the seller not being able to identify which order the payment was made, resulting in the transaction being unable to complete. One of the receipt conditions received by the first receiving module 301 is an order number matching condition. The transaction order number recorded in the electronic voucher is compared with the seller order database, and if there is no matching data, the transaction is rejected.

[0087] As a preferred embodiment, in order to make the collection condition more flexible and fast, the seller's preset collection conditions may further include: a white list set according to the transaction object, such as a high degree of credibility of long-term friendly cooperation. The buyer is whitelisted for special treatment, so that after screening the information, as long as the buyer is whitelisted, it is directly judged as a collectable certificate, no longer compares the parameter range of the electronic voucher information, to avoid the transaction parameters may fall into the rejection. The rejection caused by the acceptance of the conditions affects the cooperative relationship.

[0088] As another preferred embodiment, in order to make the collection condition more rigorous and fast, the seller's preset collection condition may further include: a blacklist set according to the transaction object. For example, if you are unwilling to cooperate or have bad credit buyers blacklisted, if you filter the information, as long as the buyer is blacklisted, it will be judged as rejected, no longer compare the parameters of the electronic voucher information to avoid trading. A certificate that falls under the acceptable parameter conditions.

[0089] The second receiving module 302 is configured to receive a to-be-notified notification sent by the notification end, where the to-be-received notification includes electronic voucher information.

[0090] wherein, the electronic voucher information includes the information of the securities, the transaction object information, the settlement rate, the bank information, the amount of the certificate, the performance period, the receipt period, the electronic certificate model, the settlement mode, and/or the transaction order Number and other parameters.

[0091] The comparison module 303 is configured to compare whether the electronic condition information and the collection condition are met according to the reception condition.

[0092] Specifically, the comparison module 303 compares the electronic voucher data to be received according to the receipt condition preset by the seller, and if the electronic voucher data to be received meets the receiving condition, judges the receivable; if not, When the condition is received, the rejection card is judged.

[0093] As a preferred solution, the comparison module 303 is specifically configured to: first determine whether the transaction object is in the whitelist or blacklist, if in the whitelist, determine that the receiving condition is met, if in the blacklist, It is judged that the reception condition is not met. If the transaction object is not in the whitelist and the blacklist, and according to the electronic voucher information and the range of the receivable parameter range/rejection permit parameter, whether the matching condition is met, if the electronic voucher parameter falls within the range of the receivable parameter, it is determined as Meet the receiving conditions, if the electronic voucher parameters fall into If the range of the parameters of the rejection certificate is determined, it is judged that the reception condition is not met. In this way, it is possible to quickly determine whether or not the certificate can be received by the transaction object, thereby improving the flexibility of the selection.

[0094] The processing module 304 is configured to receive the corresponding electronic credential when the receiving condition is met.

[0095] Referring to FIG. 5, in some embodiments, in order to enable the notification end to be aware of the failure of the receipt, the device further includes a feedback module 305, configured to feedback to the notification end when the reception condition is not met. Rejection notice.

[0096] Specifically, the notification end includes, but is not limited to, the first fund management server, the second money management server, or the first terminal, and the like, and may be set according to actual needs in a specific application. When the comparison result of the comparison module 303 is that the reception condition is not met, the second terminal feeds back the notification of the rejection to the notification end.

[0097] It should be noted that the technical features in the first embodiment, the second embodiment, the third embodiment, and the fourth embodiment are applicable in the system, and are not repeatedly described herein.

[0098] The electronic certificate receiving device provided by the invention is sent to the second fund management server by setting the receiving condition by the second terminal, and the second fund management server selects the qualified electronic certificate to collect, and eliminates the non-conforming transaction condition. The electronic voucher can meet the seller's need to filter and filter the transaction orders and transaction objects, so as to achieve the seller's selective collection.

[0099] Embodiment 5

[0100] Please refer to FIG. 6, a receiving system for an electronic voucher according to an embodiment of the present invention includes a second terminal 10

, the notification end 20 and the second money management server 30, wherein:

[0101] The second terminal 10 is configured to send a preset collection condition to the second fund management server.

[0102] The notification terminal 20 is configured to send a to-be-notified notification to the second fund management server, wherein the to-be-notified notification includes electronic voucher information.

[0103] Specifically, the notification terminal 20 includes, but is not limited to, the first money management server, the second money management server 30, or the first terminal, and the like, and may be set according to actual needs in a specific application. The notice to be received includes electronic voucher information, including but not limited to the information of the securities, the transaction object information, the settlement rate, the bank information of the bank, the amount of the certificate, the performance period, the period of receipt, the model of the electronic certificate, and the payment Parameters such as mode and/or trade order number.

[0104] The second fund management server 30 is configured to receive and store the receipt condition and the notification to be received, according to whether the electronic voucher information and the collection condition are compared according to the reception condition, and if the reception condition is met, the corresponding correspondence is received. Electronic voucher.

It is to be understood that the second fund management server 30 of the present embodiment includes the electronic certificate receiving device provided by the fourth embodiment of the present invention in the fifth embodiment, and will not be repeated here.

[0106] It should be noted that the technical features in the first embodiment, the second embodiment, the third embodiment, the fourth embodiment, and the fifth embodiment of the apparatus are applicable to the system, and are not repeatedly described herein.

[0107] The system provided by the invention is sent to the second fund management server by setting the certificate receiving condition by the second terminal, and the second fund management server filters the qualified electronic certificate to collect, and eliminates the electronic certificate that does not meet the transaction condition, and can satisfy the The seller filters and filters the trade orders and trading objects to achieve a selective collection by the seller.

[0108] Those skilled in the art can understand that all or part of the steps of 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

The method, device and system for collecting the electronic voucher provided by the embodiment of the present invention are sent to the second fund management server by setting the certificate receiving condition by the second terminal, and the second fund management server filters the qualified electronic certificate for charging. The elimination of electronic vouchers that do not meet the trading conditions can satisfy the seller's need to filter and filter the trading orders and trading objects, so as to achieve the seller's selective collection, and therefore, it has industrial applicability.

Claims

Claim

[Claim 1] A method for collecting an electronic voucher, the method comprising the steps of:

The second terminal sends a preset receipt condition to the second fund management server;

Receiving and storing the receipt condition by the second fund management server; after receiving the notification of the receipt of the notification sent by the notification end, the second fund management server compares the electronic voucher information with the receipt condition to meet the receiving condition, if Receiving the condition, receiving the corresponding electronic voucher;

The notification to be received includes electronic voucher information.

[Claim 2] The method for collecting an electronic voucher according to claim 1, wherein the receiving condition includes:

The range of the certificateable parameters or the scope of the rejection certificate parameters; wherein the parameters include: 幵证吋, transaction object information, settlement rate, bank information, 幵 certificate amount, performance period, receipt period, electronic certificate model , settlement mode and/or trade order number.

[Claim 3] The method for collecting an electronic voucher according to claim 2, wherein the condition for obtaining the certificate further comprises:

The trading object is whitelisted and/or blacklisted.

[Claim 4] The method for receiving an electronic voucher according to claim 3, wherein the comparing according to the electronic voucher information and the receipt condition meets a receiving condition includes:

Determine whether the transaction object is in the whitelist or blacklist. If it is in the whitelist, it is judged to be in compliance with the receiving condition. If it is in the blacklist, it is judged as not meeting the receiving condition; if the transaction object is not in the whitelist and blacklist, According to the electronic voucher information and the range of the receivable parameter range/rejection permit parameter, whether the matching condition is met, if the electronic voucher parameter falls within the range of the receivable parameter, it is judged to be in accordance with the receiving condition, and if the electronic voucher parameter falls into the rejection condition If the range of the receiving parameters is determined, it is judged that the receiving condition is not met.

[Claim 5] The method for receiving an electronic voucher according to any one of claims 1 to 4, wherein the method further comprises:

If the receiving condition is not met, the notification end is fed back to the notification end;

The notification end includes a first fund management server, a second terminal, or a first terminal.

[Claim 6] A method for collecting an electronic voucher, which is applied to a second fund management server, the method comprising the following steps:

Receiving and storing a receipt condition sent by the second terminal;

Receiving a notification to be received sent by the notification end, wherein the notification to be received includes an electronic voucher;

And according to the electronic voucher information and the receiving condition, whether the matching condition is met, and if the receiving condition is met, the corresponding electronic voucher is received.

[Claim 7] The method for receiving an electronic voucher according to claim 6, wherein the comparing according to the electronic voucher information and the receipt condition meets a receiving condition includes:

[Claim 8] A receiving device for an electronic voucher, applied to a second money management server, wherein the device comprises the following modules:

The first receiving module is configured to receive and store the preset receiving condition sent by the second terminal; the second receiving module is configured to receive the to-be-notified notification sent by the notification end, where the to-be-received notification includes the electronic certificate Information

And a matching module, configured to compare whether the electronic voucher information and the receipt condition are matched according to the receiving condition;

The processing module is configured to receive the corresponding electronic credential when the receiving condition is met.

[Claim 9] The receiving device of the electronic voucher according to claim 8, wherein the comparison module is specifically configured to:

Determine whether the transaction object is in the whitelist or blacklist. If it is in the whitelist, it is judged to be in compliance with the receiving condition. If it is in the blacklist, it is judged as not meeting the receiving condition; if the transaction object is not in the whitelist and blacklist, According to the electronic voucher information and the certificate If the parameter range/rejection parameter range comparison meets the receiving condition, if the electronic voucher parameter falls within the range of the receivable parameter, it is judged as meeting the receiving condition. If the electronic voucher parameter falls within the scope of the rejecting card parameter, it is judged as not Meet the acceptance criteria.

[Claim 10] A receipt system for an electronic voucher, wherein the system comprises:

The second terminal is configured to send a preset receipt condition to the second fund management server; the notification end is configured to send a to-be-certified notification to the second fund management server, where the to-be-not-issued notification includes electronic voucher information;

a second fund management server, configured to receive and store the receipt condition and the to-be-certified notification, according to whether the electronic voucher information and the collection condition are compared according to a receiving condition, and if the receiving condition is met, receiving the corresponding Electronic voucher.