WO2017012046A1 - Electronic certificate receiving method and device - Google Patents
Electronic certificate receiving method and device Download PDFInfo
- Publication number
- WO2017012046A1 WO2017012046A1 PCT/CN2015/084638 CN2015084638W WO2017012046A1 WO 2017012046 A1 WO2017012046 A1 WO 2017012046A1 CN 2015084638 W CN2015084638 W CN 2015084638W WO 2017012046 A1 WO2017012046 A1 WO 2017012046A1
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- WO
- WIPO (PCT)
- Prior art keywords
- receiving
- electronic voucher
- condition
- seller
- information
- Prior art date
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Classifications
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
Definitions
- the present invention relates to the field of Internet finance technologies, and in particular, to a method and an apparatus for receiving an electronic voucher.
- 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.
- 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.
- the technical problem to be solved by the present invention is to provide a method and apparatus for collecting electronic voucher to solve the technical problem that the seller cannot selectively collect the payment.
- a method for receiving an electronic voucher is provided, which is applied to a second terminal, and the method includes the following steps:
- the matching condition is met, and if the receiving condition is met, the receiving application is sent to the second fund management server.
- a receiving device for an electronic voucher for use in a second terminal, the device comprising the following modules:
- a setting module configured to receive and store a preset receipt condition of the seller
- the receiving module is configured to receive a notification to be received sent by the notification end, where the notification to be received includes electronic voucher information;
- the processing module is configured to compare whether the electronic voucher information and the receipt condition meet the receiving condition, and if the receiving condition is met, send the receiving application to the second fund management server.
- the method and device for collecting electronic voucher collects the electronic voucher that meets the condition through the second terminal, and eliminates the electronic voucher that does not meet the transaction condition, and can satisfy the seller to filter the transaction order and the transaction object. Filter the demand to achieve a selective collection by the seller. .
- FIG. 1 is a flowchart of a method for receiving an electronic voucher according to Embodiment 1 of the present invention.
- FIG. 2 is a flowchart of a method for receiving an electronic voucher according to Embodiment 2 of the present invention.
- FIG. 3 is a flowchart of a method for receiving an electronic voucher according to Embodiment 3 of the present invention.
- FIG. 4 is a flowchart of a method for receiving an electronic voucher according to Embodiment 4 of the present invention.
- FIG. 5 is a block diagram of a device for receiving an electronic voucher according to Embodiment 5 of the present invention.
- FIG. 6 is a block diagram of a device for receiving a digital voucher according to Embodiment 5 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 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 the application, 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.
- the second terminal 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.
- the performance information such as the logistics order number
- 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. When the buyer signs the goods during the signing period, that is, after the seller completes the corresponding transaction conditions according to the payment conditions of the electronic voucher, the electronic voucher enters the settlement period.
- 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.
- 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 payment. If the corresponding action is not executed within the time limit, The electronic voucher is invalid.
- Embodiment 1 As shown in FIG. 1, a method for receiving an electronic voucher according to an embodiment of the present invention is applied to a second terminal.
- the method includes the following steps:
- S101 Receive and store a preset condition of the seller.
- the seller sets the range of the electronic voucher parameters that can be received or the range of the electronic voucher parameters of the rejection card according to the requirements.
- the electronic voucher parameters include, but are not limited to, any combination of one or more of the following parameters: ⁇ ⁇ ⁇ , transaction object information, solvency rate, bank information, ⁇ amount, compliance period, receipt period, electronic voucher model and solution Pay mode, etc.
- the seller sets the range of certifiable parameters or the range of refusal certificates according to the requirements.
- the rejection of the late pass certificate, the rejection of the identity information mismatch, the rejection of the cancellation rate is too low, the bank refuses to accept bad credit, the amount of the certificate is too large or too small to reject , the rejection period is too short, the rejection period is too short, the rejection of the electronic voucher model is not matched, the rejection of the cancellation mode is not matched, and the transaction order number is not matched.
- 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 business handled by the transaction, as a percentage of the total number of transactions,
- the electronic voucher is a payment tool for cash on delivery.
- 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 conditions for the collection can be set as the lower limit of the settlement rate, and the order below the lower limit of the settlement rate can be eliminated to avoid losses, such as rejection of users with a settlement rate lower than 50%.
- 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, which will result in the invalidation of the electronic voucher.
- the lower limit of the performance period can be set. If the performance period is less than 1 day, the loss will be avoided.
- the rejection period is too short: After the seller delivers the goods, the goods need to be transported according to the distance. If the receipt 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 for the collection can be set as 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 this length.
- the rejection of the transaction order number does not match: the buyer according to 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 conditions for the collection can be set as the 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.
- the seller in order to make the collection conditions more flexible and fast, can also set a white list according to the transaction object, for example, the buyer with high credibility of long-term friendly cooperation is whitelisted and treated specially. In this way, after filtering the information, as long as the buyer is whitelisted, it is directly judged as a collectable certificate, no longer than the other parameters of the electronic voucher information, to avoid the rejection of the electronic voucher parameters may fall into the rejection condition. Income, affecting cooperation.
- the seller in order to make the collection conditions more rigorous and fast, can also set a blacklist 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 directly judge the rejection, no longer compare the other parameters of the electronic voucher information to avoid The transaction falls into the receipt of the acceptable parameter conditions.
- S102 Receive a to-be-notified notification sent by the notification end, where the to-be-received notification includes electronic voucher information.
- the notification end includes, but is not limited to: a first fund management server, a second money management server, or a first terminal, etc., and may be set according to actual needs in a specific application.
- the electronic voucher information includes, but is not limited to, the securities information, 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 payment mode, and other parameters, the transaction order number, etc. A combination of one or more.
- the second terminal compares the electronic voucher data to be received according to the preset receipt condition of the seller.
- the electronic voucher data of the to-be-certified certificate meets the receiving condition, it is judged that the certificate can be received, and the application for the issuance of the certificate is initiated to the second fund management server; if the receiving condition is not met, the rejection card is judged, and the second fund management server is not initiated. Application for receipt.
- the second terminal selects the qualified electronic voucher to collect, and eliminates the electronic voucher that does not meet the transaction condition, which can satisfy the seller's filtering and filtering requirements for the transaction order and the transaction object, thereby realizing the seller has Selective collection.
- Embodiment 2
- a method for receiving an electronic voucher includes the following steps: [0044] S201: The second terminal receives and stores a preset eligibility condition of the seller.
- S202 Receive a to-be-notified notification sent by the first terminal, where the to-be-received notification includes electronic voucher information.
- step S203 According to the electronic voucher information and the receiving condition, whether the receiving condition is met, if the receiving condition is met, step S204 is performed, otherwise step S205 is performed.
- S205 Send a rejection notification to the first terminal.
- the first terminal sends a notification to be received, and the second terminal filters and filters the electronic credential information sent by the first terminal to implement selective collection.
- a method for receiving an electronic voucher includes the following steps: [0053] S301.
- the second terminal receives and stores a preset eligibility condition of the seller.
- S302. Receive a to-be-notified notification sent by the first fund management server, where the to-be-received notification includes electronic voucher information.
- step S303 Determine whether the transaction object is in the white list. If yes, go to step S306, otherwise execute step S304.
- S304 Determine whether the transaction object is in the blacklist. If yes, go to step S307, otherwise go to step S305.
- step S306 According to the electronic voucher information and the range of the receivable parameter/rejection parameter, whether the receiving condition is met, if the receiving condition is met, step S306 is performed, otherwise step S307 is performed.
- 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 Compliance with the acceptance condition, if the electronic voucher parameter falls within the scope of the rejection certificate parameter, it is judged as Does not meet the acceptance criteria.
- the first fund management server sends a notification to be received, and the second terminal preferentially filters the transaction object through the black and white list, and then the transaction object is not in the black and white list.
- the transaction order information is compared to further increase the flexibility of the selection.
- a method for receiving an electronic voucher includes the following steps: [0065] S401.
- the second terminal receives and stores a preset eligibility condition of the seller.
- S402. Receive a to-be-notified notification sent by the second fund management server, where the to-be-received notification includes electronic voucher information.
- step S403. Determine whether the transaction object is in the white list. If yes, go to step S406, otherwise execute step S404.
- S404 Determine whether the transaction object is in the blacklist. If yes, go to step S407, otherwise go to step S405.
- step S405. According to the electronic voucher information and the range of the receivable parameter range/rejection certificate parameter, whether the receiving condition is met, if the receiving condition is met, step S406 is performed, otherwise step S407 is performed.
- the second fund management server sends a notification to be received, and the second terminal preferentially filters the transaction object through the black and white list, and then the transaction object is not in the black and white list.
- the transaction order information is compared to further increase the flexibility of the selection.
- the receiving device of the electronic voucher provided by the embodiment of the present invention is applied to the second terminal, and the device includes the following setting module 10, the receiving module 20, the comparing module 30, and the requesting module 40, where:
- the setting module 10 is configured to receive and store the seller's preset receipt conditions. [0077] Specifically, the setting module 10 is configured to set the range of the electronic certificate parameters that can be collected by the seller according to requirements or set the electronic document parameter range of the rejection certificate.
- the electronic voucher parameters include but are not limited to: ⁇ ⁇ ⁇ , transaction object information, solvency rate, bank information, ⁇ certificate amount, performance period, receipt period, electronic voucher model, settlement mode, and transaction order number, etc. A combination of one or more parameters.
- the seller sets the range of the receivable parameters or the range of the rejection parameters according to the requirements.
- the rejection of the late pass certificate, the rejection of the identity information mismatch, the rejection of the cancellation rate is too low, the bank refuses to accept bad credit, the amount of the certificate is too large or too small to reject , the rejection period is too short, the rejection period is too short, the rejection of the electronic voucher model is not matched, the rejection of the cancellation mode is not matched, and the transaction order number is not matched.
- the electronic voucher information may include the settlement rate of the transaction partner, 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.
- the setting module 10 can set one of the conditions for the collection as the lower limit of the settlement rate, and eliminate the order below the lower limit of the settlement rate, thereby avoiding losses, such as rejection of users whose settlement rate is less than 50%.
- the rejection period is too short: After the seller delivers the goods, the goods need to be transported according to the distance. If the receipt period is too short, the goods will not be delivered later than during the signing period, which will lead to electronic voucher. Invalid.
- One of the conditions for the collection can be set by the setting module 10 as 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 long period.
- 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. However, if the order number is incorrectly filled, the seller may not recognize the order. The amount of the payment is which order is paid, and the transaction cannot be completed.
- Can be set by module 10 One of the conditions for setting the receipt is the 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.
- the setting module 10 can also be configured to set the whitelist according to the transaction object, for example, the buyer with high credibility of long-term friendly cooperation is whitelisted to be special. Treat, so in the screening information, as long as the buyer is whitelisted, it is directly judged as a collectable certificate, no longer than the other parameters of the electronic voucher information, to avoid the electronic voucher parameters may fall into the rejection condition. Rejection, affecting cooperation.
- the setting module 10 can also be set as the seller to set a blacklist 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 directly judge the rejection, no longer compare the other parameters of the electronic voucher information to avoid The transaction falls into the receipt of the acceptable parameter conditions.
- the receiving module 20 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.
- the receiving module 20 is specifically configured to: receive a to-be-notified notification sent by the first fund management server, the second fund management server, or the first terminal.
- the notification end includes, but is not limited to, the first money management server, the second money management server, or the first terminal, etc., and can be set according to actual needs in a specific application.
- the electronic voucher information includes but is not limited to any one of the securities information, 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 the transaction order number. Or a combination of several parameters.
- the comparison module 30 is configured to compare whether the electronic condition information and the receipt condition are matched according to the reception condition.
- the comparison module 30 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.
- the comparison module 30 is specifically configured to: first determine whether the transaction object is in the white list or blacklist, if the transaction object is in the white list, it is determined to meet the receiving condition, if the transaction object is black In the list, it is judged that the reception condition is not met. If the transaction object is not in the whitelist and blacklist, and then according to the electronic voucher information and the range of the receivable parameter range/rejection permit parameters, the matching condition is met. If the electronic voucher parameter falls within the range of the receivable parameter, it is determined to be in compliance with the receiving condition, and if the electronic voucher parameter falls within the range of the rejecting card parameter, it is determined that the receiving 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.
- the requesting module 40 is configured to send a verification application to the second fund management server when the receiving condition is met.
- the device in order to enable the notification end to be aware of the failure of the receipt, the device further includes a feedback module 50 configured to feedback to the notification end when the reception condition is not met. Rejection notice
- 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.
- the comparison result of the comparison module 30 is that the reception condition is not met, the second terminal feeds back the notification of the rejection to the notification end.
- the device provided by the embodiment of the present invention collects the electronic voucher that meets the condition by using the second terminal, and eliminates the electronic voucher that does not meet the transaction condition, and can satisfy the seller's demand for filtering and filtering the transaction order and the transaction object, thereby realizing The seller has a selective collection.
- the method and device for collecting electronic voucher collects the electronic voucher that meets the condition through the second terminal, and eliminates the electronic voucher that does not meet the transaction condition, and can satisfy the seller to filter the transaction order and the transaction object. Filter the demand to achieve a selective collection by the seller. Therefore, it has industrial applicability.
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PCT/CN2015/084638 WO2017012046A1 (en) | 2015-07-21 | 2015-07-21 | Electronic certificate receiving method and device |
CA2993105A CA2993105C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate receiving method and device |
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PCT/CN2015/084638 WO2017012046A1 (en) | 2015-07-21 | 2015-07-21 | Electronic certificate receiving method and device |
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Citations (4)
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CN104205144A (en) * | 2012-04-17 | 2014-12-10 | 英特尔公司 | Trusted service interaction |
CN104424565A (en) * | 2013-09-02 | 2015-03-18 | 三星Sds株式会社 | Digital card-based payment system and method |
CN104732382A (en) * | 2015-04-03 | 2015-06-24 | 深圳市淘淘谷信息技术有限公司 | Payment management method and payment management system |
CN104767740A (en) * | 2009-09-14 | 2015-07-08 | 交互数字专利控股公司 | User platform credible authentication and access method |
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2015
- 2015-07-21 CA CA2993105A patent/CA2993105C/en active Active
- 2015-07-21 WO PCT/CN2015/084638 patent/WO2017012046A1/en active Application Filing
Patent Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
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CN104767740A (en) * | 2009-09-14 | 2015-07-08 | 交互数字专利控股公司 | User platform credible authentication and access method |
CN104205144A (en) * | 2012-04-17 | 2014-12-10 | 英特尔公司 | Trusted service interaction |
CN104424565A (en) * | 2013-09-02 | 2015-03-18 | 三星Sds株式会社 | Digital card-based payment system and method |
CN104732382A (en) * | 2015-04-03 | 2015-06-24 | 深圳市淘淘谷信息技术有限公司 | Payment management method and payment management system |
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