WO2017012047A1 - 电子凭证的履约信息传输方法、装置及系统 - Google Patents
电子凭证的履约信息传输方法、装置及系统 Download PDFInfo
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- WO2017012047A1 WO2017012047A1 PCT/CN2015/084639 CN2015084639W WO2017012047A1 WO 2017012047 A1 WO2017012047 A1 WO 2017012047A1 CN 2015084639 W CN2015084639 W CN 2015084639W WO 2017012047 A1 WO2017012047 A1 WO 2017012047A1
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- WIPO (PCT)
- Prior art keywords
- management server
- performance information
- money management
- electronic voucher
- party terminal
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
Definitions
- the present invention relates to the field of Internet finance technologies, and in particular, to a method for transmitting performance information of an electronic voucher
- 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.
- 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.
- the technical problem to be solved by the present invention is to provide a method, a device and a system for transmitting compliance information of an electronic voucher, to solve the technical problem of completing the delivery of the performance information and smoothly transitioning to a state.
- a method for transmitting a compliance information of an electronic voucher includes the following steps: [0007] the third party terminal generates the performance information according to the performance behavior or receives the performance information sent by the seller;
- the third party terminal sends the performance information to the second fund management server and/or the first money management server
- the second money management server and/or the first money management server After receiving the performance information, the second money management server and/or the first money management server update the corresponding electronic certificate status according to the performance information.
- a method for transmitting a fulfillment information of an electronic voucher is provided, which is applied to a third party terminal, and the method includes the following steps:
- a compliance information transmission apparatus for an electronic voucher for use in a third party terminal, the apparatus comprising the following modules:
- a receiving module configured to receive performance information sent by the seller
- a generating module configured to generate performance information according to the performance behavior
- the sending module is configured to send the performance information to the second fund management server and/or the first money management server.
- a transmission system for electronic voucher performance information includes:
- the third-party terminal is configured to generate the performance information according to the performance behavior or receive the performance information sent by the seller; and is further configured to send the performance information to the second fund management server and/or the first money management server;
- the second fund management server is configured to: after receiving the performance information, update the corresponding electronic certificate status according to the performance information;
- the first money management server is configured to update the corresponding electronic certificate status according to the performance information after receiving the performance information.
- the method, device and system for transmitting the performance information of the electronic voucher provided by the embodiment of the present invention are not easily falsified by the third party after the seller performs the contract, and the delivery of the performance information is safer. Ensure that the electronic voucher is valid and smoothly transition to the next state to ensure the smooth progress of the transaction.
- Embodiment 1 is a flowchart of a method for transmitting compliance information of an electronic voucher according to Embodiment 1 of the present invention.
- FIG. 2 is a flowchart of a method for transmitting compliance information of an electronic voucher according to Embodiment 2 of the present invention.
- Embodiment 3 is a flowchart of a method for transmitting compliance information of an electronic voucher according to Embodiment 3 of the present invention.
- FIG. 4 is a flowchart of a method for transmitting a compliance information of an electronic voucher applied to a third-party terminal according to Embodiment 4 of the present invention.
- FIG. 5 is a block diagram of a configuration of a performance information transmission apparatus for an electronic voucher applied to a third party terminal according to Embodiment 5 of the present invention.
- FIG. 6 is a structural diagram of a compliance information transmission system for an electronic voucher according to Embodiment 6 of the present invention.
- FIG. 7 is a structural diagram of another compliance information transmission system for an electronic voucher according to Embodiment 6 of the present invention.
- the electronic voucher described in the present solution that is, the electronic credit commitment voucher that the bank promises to pay the funds according to the agreed conditions, refers to the buyer applying for the establishment of the fund management institution with the funds of the account or the credit line as the deposit, the fund management The institution promises to pay the electronic credit commitment payment certificate for settlement and payment in accordance with the payment conditions.
- the electronic voucher is an internet financial instrument paid by the fund management institution for credit commitment, mainly for the buyer's product, and the seller downloads the cashier access interface, and the buyer completes the electronic voucher.
- the certificate and the seller complete the receipt and performance, 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 an organization that supports the flow of funds, 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.
- 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 to the first fund management server (ie, the certificate server) through the buyer terminal (the certificate terminal). Proof of evidence. Of course, the buyer can also voluntarily apply for a certificate without forming a transaction order. First After the fund management server accepts the application, it shall file an electronic voucher according to the certificate and freeze the funds or credit line of the corresponding amount of the buyer account. 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 first fund management server ie, the certificate server
- the buyer terminal the certificate terminal
- Proof of evidence the buyer can also voluntarily apply for a certificate without forming a transaction order.
- the fund management server After the fund management server accepts the application, it shall file an electronic voucher according to the certificate and freeze the funds or credit line of the corresponding amount of the buyer
- the electronic certificate enters the performance period and waits for the seller. Send goods or provide services. After the seller performs the performance period, 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 certificate, and the electronic certificate 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.
- 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.
- a method for transmitting compliance information of an electronic voucher includes the following steps:
- the third-party terminal generates the performance information according to the performance behavior or receives the performance information sent by the seller.
- 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.
- 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.
- the second fund management server notifies the seller.
- the second fund management server receives the electronic voucher, and Sending the received information to the seller, that is, notifying the seller to deliver the goods or providing the service. Appointment period.
- Third party terminals referred to in this application include, but are not limited to, logistics or other clients used by public authorities. After the third party terminal knows that the seller has delivered the goods or provided the service during the performance period, it generates the performance information according to the seller's performance behavior, such as generating the logistics order number or other acceptance number. Of course, in the case that the third party terminal may not directly know the seller's performance behavior, the seller may generate the performance information and send the performance information to the third party terminal. Among them, the performance information refers to the seller's performance of the transaction information, specifically the delivery information, such as the logistics order number or other acceptance number.
- the third party terminal sends the performance information to the second fund management server and/or the first money management server.
- the third party terminal may send the performance information to the second fund management server and the first fund management server, or may only send to any one of the fund management servers. From it to another money management server for forwarding. That is: When the third party terminal only transmits the performance information to the second money management server, the second money management server transmits the performance information to the first money management server. When the third party terminal only sends the performance information to the first fund management server, the first money management server sends the performance information to the second money management server.
- the second money management server and/or the first money management server After receiving the performance information, the second money management server and/or the first money management server update the corresponding electronic certificate status according to the performance information.
- the second fund management server and/or the first money management server update the corresponding electronic certificate status to the next state according to the performance information. For example, change to the status of pending receipt, wait for the buyer to sign, so as to ensure that the electronic certificate continues to be valid.
- the foregoing method may further include: after the second fund management server receives the performance information, performing identity verification. For example, verify the seller's account number or identity information. Among them, the verification of the seller'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 user identity authentication or transaction.
- the method may further include: after receiving the performance information, the second fund management server verifies the authenticity of the electronic voucher.
- the method for transmitting the performance information of the electronic voucher provided by the embodiment of the present invention is not easy to be tampered with by the third party after the seller performs the contract and the feedback performance information, and the delivery of the performance information is safer, and the electronic voucher can be ensured. Effective and smooth transition to a state to ensure the smooth progress of the transaction.
- a method for transmitting compliance information of an electronic voucher includes the following steps:
- the third-party terminal receives the performance information sent by the seller.
- the second fund management server After receiving the performance information, the second fund management server updates the corresponding electronic voucher status according to the performance information, and sends the performance information to the first fund management server.
- the first fund management server updates the corresponding electronic voucher status according to the performance information.
- the third party manages the performance information to the second fund management server, and the second money management server forwards the performance information to the first fund management server, thereby completing the delivery of the performance information more securely.
- the second fund management server and the first money management server update the electronic voucher status to the next state based on the performance information, thereby ensuring that the electronic voucher remains valid.
- a method for transmitting compliance information of an electronic voucher includes the following steps:
- the third party terminal generates the performance information according to the performance behavior.
- the third party terminal sends the performance information to the second fund management server and the first money management server.
- the second money management server and the first money management server After receiving the performance information, the second money management server and the first money management server update the corresponding electronic certificate status according to the performance information.
- the method may further include: comparing the updated information in the second money management server and the first money management server Whether the corresponding electronic voucher status is consistent, if not, synchronize the corresponding electronic voucher status. Therefore, the abnormality of the delivery of the performance information is corrected.
- the third party submits the performance information submitted by the seller to the second fund management service. And the first money management server, thereby completing the delivery of the performance information more securely.
- the second fund management server and the first money management server update the electronic voucher status to the next state according to the performance information, thereby ensuring that the electronic voucher is valid.
- a method for transmitting performance information of an electronic voucher according to an embodiment of the present invention is applied to a third-party terminal, and the method includes the following steps:
- the third-party terminal generates the performance information according to the performance behavior or receives the performance information sent by the seller.
- the third party terminal includes, but is not limited to, a client used by logistics or other public authority. After the third party terminal knows that the seller has delivered the goods or provided the service during the performance period, it generates the performance information according to the seller's performance. Among them, the performance information refers to the seller's performance of the transaction information, specifically the delivery information, such as the logistics order number or other acceptance number.
- S402. Send the performance information to the second fund management server and/or the first money management server.
- the third-party terminal may send the performance information to the second fund management server and the first fund management server, or may only send to any one of the fund management servers. , forwarded to another fund management service.
- the third party submits the performance information by the third party, which is not easily falsified, thereby completing the delivery of the performance information more securely.
- an apparatus for transmitting electronic voucher performance information is applied to a third-party terminal, and the device includes the following modules:
- the receiving module 101 is configured to receive the performance information sent by the seller.
- the generating module 102 is configured to generate the performance information according to the performance behavior.
- the sending module 103 is configured to send the performance information to the second fund management server and/or the first money management server.
- the third party submits the performance information by the third party, which is not easily falsified, thereby completing the delivery of the performance information more securely.
- a system for transmitting electronic voucher performance information includes: [0074]
- the third party terminal 10 is configured to generate the performance information according to the compliance behavior by the third party terminal 10; and is further configured to transmit the performance information to the second money management server 20 and/or the first money management server 30.
- the second money management server 20 is configured to update the corresponding electronic voucher status according to the performance information after receiving the performance information.
- the first money management server 30 is configured to update the corresponding electronic voucher status according to the performance information after receiving the performance information.
- the second fund management server 20 is further configured to: when the third party terminal 10 only transmits the performance information to the second money management server 20, the second The fund management server 20 transmits the performance information to the first money management server 30.
- the first money management server 30 is further configured to: when the third party terminal 10 only transmits the performance information to the first money management server 30, the first money management server 30 transmits the performance information to the second money management server 20.
- the second money management server 20 is further configured to: after receiving the performance information, perform identity verification. For example, the seller's account number or identity information is verified; wherein the identity verification is implemented 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 user identity authentication or transaction.
- the second money management server 20 is further configured to verify the authenticity of the electronic voucher after receiving the performance information.
- the system includes a vendor 40, and the vendor 40 is configured to transmit performance information to the third party terminal 10. Accordingly, the third party terminal 10 is further arranged to receive the performance information sent by the seller terminal 40.
- the method, device and system for transmitting the performance information of the electronic voucher provided by the embodiment of the present invention are not easily falsified by the third party after the seller performs the contract, and the delivery of the performance information is safer. Ensure that the e-vouchers continue to be valid and smoothly transition to a state that ensures the smooth progress of the transaction.
- a program which may be stored in a computer readable storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, or the like.
- the method, device and system for transmitting the performance information of the electronic voucher provided by the embodiment of the present invention are not easily falsified by the third party after the seller performs the contract, and the delivery of the performance information is safer. Ensure that the electronic voucher is valid and smoothly transition to the next state to ensure the smooth progress of the transaction. Therefore, it has industrial applicability.
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Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
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CA2993057A CA2993057C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate fulfillment information transmission method, device and system |
PCT/CN2015/084639 WO2017012047A1 (zh) | 2015-07-21 | 2015-07-21 | 电子凭证的履约信息传输方法、装置及系统 |
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PCT/CN2015/084639 WO2017012047A1 (zh) | 2015-07-21 | 2015-07-21 | 电子凭证的履约信息传输方法、装置及系统 |
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WO2017012047A1 true WO2017012047A1 (zh) | 2017-01-26 |
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Citations (5)
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WO2008098163A2 (en) * | 2007-02-09 | 2008-08-14 | Hopton Robert M | Method to facilitate confidential network sales |
CN101510288A (zh) * | 2009-03-31 | 2009-08-19 | 成都硅创科技有限公司 | 一种基于数字物权证的电子合同运营系统 |
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CN103827902A (zh) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | 一种网络支付的方法及系统 |
CN204178394U (zh) * | 2014-09-12 | 2015-02-25 | 深圳市银信网银科技有限公司 | 一种电子凭证生成装置 |
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2015
- 2015-07-21 WO PCT/CN2015/084639 patent/WO2017012047A1/zh active Application Filing
- 2015-07-21 CA CA2993057A patent/CA2993057C/en active Active
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
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WO2008098163A2 (en) * | 2007-02-09 | 2008-08-14 | Hopton Robert M | Method to facilitate confidential network sales |
CN101510288A (zh) * | 2009-03-31 | 2009-08-19 | 成都硅创科技有限公司 | 一种基于数字物权证的电子合同运营系统 |
CN103827903A (zh) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | 一种利用网络支付的方法及系统 |
CN103827902A (zh) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | 一种网络支付的方法及系统 |
CN204178394U (zh) * | 2014-09-12 | 2015-02-25 | 深圳市银信网银科技有限公司 | 一种电子凭证生成装置 |
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