WO2017012048A1 - 收证方法、装置及系统 - Google Patents

收证方法、装置及系统 Download PDF

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Publication number
WO2017012048A1
WO2017012048A1 PCT/CN2015/084640 CN2015084640W WO2017012048A1 WO 2017012048 A1 WO2017012048 A1 WO 2017012048A1 CN 2015084640 W CN2015084640 W CN 2015084640W WO 2017012048 A1 WO2017012048 A1 WO 2017012048A1
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WO
WIPO (PCT)
Prior art keywords
management server
receiving
seller
electronic voucher
certificate
Prior art date
Application number
PCT/CN2015/084640
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English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to CA2994575A priority Critical patent/CA2994575C/en
Publication of WO2017012048A1 publication Critical patent/WO2017012048A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems

Definitions

  • the present invention belongs to the field of network payment technologies, and in particular, to a method, device and device for receiving a certificate.
  • An object of the embodiments of the present invention is to provide a method and apparatus for receiving a certificate, which is to solve the problem that the existing network payment needs to provide complete account information to be inefficient.
  • the embodiment of the present invention is implemented in this manner, and a method for receiving a certificate is applied to a second fund management server, and the method includes the following steps:
  • the verification receives the electronic voucher through the UI.
  • the receiving the electronic voucher specifically includes:
  • the method further includes: [0013] The received notification is generated and sent to the first fund management server.
  • the method further includes:
  • the method further includes:
  • the second fund management server verifies the authenticity of the electronic voucher.
  • the present invention also provides a receiving device for the second money management server, including:
  • the receiving module is configured to receive a receipt request and identity information sent by the seller; the receipt request includes electronic voucher information;
  • a verification module configured to verify identity information of the seller end
  • the certificate receiving module is configured to verify that the electronic voucher is received by the UI.
  • the receiving module includes:
  • an association unit configured to associate the identity information of the seller end with an electronic credential
  • an update unit configured to update the status of the electronic voucher as a received certificate.
  • the method further includes:
  • the first notification module is configured to generate the received notification and send it to the first fund management server.
  • the device further includes:
  • the second notification module is configured to send a notification of the setting account to the seller.
  • the second fund management server further includes:
  • a verification module configured to verify the authenticity of the electronic voucher.
  • the present invention further provides a receiving system, including a second fund management server and a seller, wherein [0032] the seller is configured to generate a request for a certificate according to a notification sent by the buyer, and Sending the request and the identity information of the seller to the second fund management server; the certificate request includes electronic voucher information;
  • the second fund management server is configured to verify the identity information of the seller end; and send the receipt notification to the first fund management server after receiving the electronic certificate of the banknote through the verification.
  • the method, device and system for collecting electronic voucher in the embodiment of the present invention are applied to an electronic voucher payment activity
  • the second fund management server performs the receipt according to the identity information of the seller.
  • the account information can be completely paid without the payment of the account information, which simplifies the payment process and improves the efficiency of the collection.
  • FIG. 1 is a flowchart of a method for receiving a certificate according to Embodiment 1 of the present invention
  • FIG. 2 is a structural diagram of an apparatus for receiving a certificate according to Embodiment 2 of the present invention.
  • FIG. 3 is another structural diagram of an apparatus for receiving a certificate according to Embodiment 2 of the present invention.
  • FIG. 4 is a structural diagram of a receiving module in a device for receiving a certificate according to Embodiment 2 of the present invention.
  • FIG. 5 is a structural diagram of a system for receiving a certificate according to Embodiment 3 of the present invention.
  • the electronic voucher involved in the present invention means that the witness (the buyer) stands by the bank account fund or the credit line as a guarantee, and the bank (the first fund management server) promises to settle the payment settlement according to the payment condition.
  • the electronic voucher is mainly for the buyer's product.
  • the seller (the seller) downloads the cashier access interface, the buyer completes the e-voucher certificate, the seller completes the certificate and performs the contract, applies for the settlement, and the bank judges the settlement condition. After the execution of the payment.
  • E-vouchers can be purchased not only with merchandise, but also for mortgage guarantees, such as individuals who can use a letter of credit from a bank as a guarantee for loans to others.
  • the basic business process of the electronic voucher is:
  • the fund management institution freezes the required amount of funds according to the application of the witness, to establish an electronic voucher, and when the agreed settlement condition is reached, the fund management institution will solve the fund. Pay for payment settlement. details as follows:
  • the witness (such as the buyer) applies for a certificate to the securities institution (ie, the fund management institution of the electronic certificate, such as the bank). (Of course, a witness can apply for a certificate after forming a specific transaction order; or if the transaction order is not formed, the witness will voluntarily apply for the certificate.)
  • the electronic certificate is issued and the corresponding amount of funds or credit line is frozen.
  • the recipient (such as the seller) applies to the collection agency (such as the collection bank) for the receipt.
  • the collection agency such as the collection bank
  • the certificate receiving institution will receive the certificate after the verification information is correct, the electronic certificate enters the performance period, and the certificate holder performs the performance.
  • the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period, waits for the delivery of the goods, and signs the goods.
  • the defamation institution cancels the freezing of funds for the witness account, transfers the funds to the collection agency, and the collection agency transfers the funds to the recipient's account.
  • the electronic voucher can also be used to transfer funds.
  • the understanding of performance and receipt has also changed. That is to say, when a merchant provides a commodity or service, it may directly cause the status of the electronic voucher to flow through the performance period and the receipt period, and directly enter the settlement, such as a face-to-face transaction.
  • the present invention relates to the buyer (the terminal held by the witness); the seller (the recipient, the witness accepts the end of the funds under the electronic certificate); the first fund management server (the bank), accepts The witness (the buyer) requests the electronic voucher according to the information provided and confirmed; the second fund management server (the receiving bank) accepts the request of the certificate and receives the electronic voucher according to the information provided and confirmed.
  • a method for receiving a certificate according to Embodiment 1 of the present invention includes the following steps:
  • the second fund management server receives the receipt request and the identity information sent by the seller; the receipt request includes the electronic voucher information.
  • the buyer side applies for a certificate to the first fund management server.
  • First fund management After the server is accepted by the bank, the electronic voucher is established and the corresponding amount of funds or credit line is frozen. After receiving the notification of the electronic certificate, the seller sends a confirmation request, and sends the identification request and the identity information of the seller to the second fund management server.
  • S2. Verify identity information of the seller.
  • the second fund management server verifies the received identity information, and the second fund management server can compare the identity information of the seller terminal pre-stored with the local terminal with the received identity information, and compare and confirm, and the verification is passed.
  • the above identity information may be the only information such as the identity card number, social security number, photo, etc. of the recipient.
  • the second fund management server receives the certificate after the authentication is passed, and no need to verify the account information. Further, the second fund management server verifies the authenticity of the received electronic voucher, and the second fund management server may send the verification request to the first fund management server; or, verify the electronic signature of the electronic voucher to verify the electronic voucher .
  • the second fund management server receives the electronic voucher, and the seller finally provides the receiving bank with the receiving account or identity, and informs the second fund management server of the electronic voucher information corresponding to the receiving account or the identity, and the second fund management server verifies After the electronic voucher is registered with the account or identity of the recipient corresponding to the seller, the associated seller and the electronic voucher are updated, and the second fund management server updates the status of the electronic voucher to the process of receiving the certificate.
  • the second fund management server may also generate the received notification and send it to the first fund management server.
  • the second fund management server After the second fund management server receives the certificate, the second fund management server also sends a notification to the seller to set up the account.
  • the electronic voucher enters the performance period, and the recipient performs the performance (eg, the merchant sends the merchandise).
  • the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period (waiting for the delivery of the goods, signing the goods).
  • the second fund management server is entrusted to apply for the settlement to the first fund management server.
  • the first fund management server releases the freezing of the funds of the witness account, transfers the funds to the second fund management server, and the second fund management server transfers the funds to the debtor account.
  • the performance and receipt can be omitted.
  • the first fund management server will directly receive the notification from the second fund management server.
  • the funds are transferred to the second fund management server.
  • the method for receiving the electronic voucher in the embodiment of the present invention is applied to the electronic voucher payment activity, and the second fund management server performs the certificate according to the identity information of the seller end, and the identity information of the seller end is correctly received and received, and no payment is required.
  • the account information can be fully paid, simplifying the payment process.
  • Embodiment 2 of the present invention provides a receiving device for a second fund management server.
  • the second fund management server of the second embodiment of the present invention includes:
  • the receiving module 10 is configured to receive a receipt request and identity information sent by the seller; the receipt request includes an electronic certificate;
  • the verification module 20 is configured to verify identity information of the seller end
  • the certificate receiving module 30 is configured to verify that the electronic voucher is received by the UI.
  • the apparatus of the second embodiment of the present invention may further include:
  • the verification module 40 is configured to verify the authenticity of the electronic voucher.
  • the first notification module 50 is configured to generate the received notification and send it to the first fund management server.
  • the second notification module 60 may be configured to send a notification of the setup account to the seller.
  • the certificate receiving module 30 includes:
  • the association unit 31 is configured to associate the identity information of the seller end with the electronic credential
  • the updating unit 32 sets the state of updating the electronic voucher to the received certificate.
  • the buyer side applies for the certificate to the first fund management server.
  • the first fund management server is located at the bank, the e-voucher is established and the corresponding amount of funds or credit line is frozen.
  • the seller After receiving the notification of the electronic certificate, the seller sends a confirmation request, and sends the identification request and the identity information of the seller to the receiving module 10 of the second fund management server.
  • the verification module 20 verifies the received identity information, and the verification module 20 compares the identity information of the vendor side pre-stored with the local end with the received identity information, and compares and determines that the verification is passed.
  • the above-mentioned identity information may be unique information such as the identity card number, social security number, and photo of the recipient.
  • the receipt module 30 receives the electronic voucher.
  • Receiving the electronic voucher by the receiving module 30 is actually that the seller provides the receiving account or the identity to the issuing bank, and informs the second fund management server of the electronic voucher information corresponding to the receiving account or the identity, and after verifying the identity of the seller, the association
  • the unit 31 registers the electronic voucher under the account or identity of the recipient corresponding to the seller, and the update unit 32 updates the status of the electronic voucher to The process of receiving the certificate.
  • the certificate receiving module 30 receives the certificate after the identity verification is passed, and does not need to verify the account information.
  • the verification module 40 verifies the authenticity of the received electronic voucher, and the verification module 40 can send an verification request to the first fund management server; or, verify the electronic signature of the electronic voucher to verify the electronic voucher.
  • the first notification module 50 may also generate the received notification and send it to the first fund management server.
  • the second notification module 60 also sends a notification to the seller to set up the account.
  • the electronic voucher enters the performance period, and the recipient performs the performance (eg, the merchant sends the merchandise).
  • the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period (waiting for the delivery of the goods, signing the goods).
  • the second fund management server is entrusted to apply for the settlement to the first fund management server.
  • the first fund management server releases the frozen funds of the witness account, transfers the funds to the second fund management server, and the second fund management server transfers the funds to the recipient account. Since the electronic voucher can be used to transfer funds, in practice, the performance and receipt can be omitted. When the performance and receipt are omitted, the first fund management server will directly receive the notification from the second fund management server. The funds are transferred to the second fund management server.
  • the second fund management server of the electronic voucher in the embodiment of the present invention is applied to the electronic voucher payment activity, and performs the certificate according to the identity information of the seller end.
  • the identity information of the seller end is correctly received, the account information that is not required to be paid is Complete payment and simplified payment process.
  • Embodiment 3 of the present invention provides a system for receiving a certificate.
  • the system includes a second fund management server 200 and a vendor 400, wherein
  • the seller terminal 400 is configured to generate a certificate request according to the certificate notification sent by the buyer, and send the certificate request and the identity information of the seller to the second fund management server 200; the certificate request includes the electronic certificate f ⁇ Interest rate
  • the second money management server 200 is configured to verify the identity information of the seller end 400; ⁇ Receive the electronic certificate of the bank letter and send the receipt notice to the first fund management server.
  • the method, device and system for receiving electronic voucher in the embodiment of the present invention are applied to an electronic voucher payment activity, and the second fund management server performs the certificate according to the identity information of the seller, and the identity information of the seller is correctly received.
  • the certificate can be completely paid without the account information to be paid, which simplifies the payment process and improves the efficiency of the collection. Therefore, it has industrial applicability.

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Abstract

本发明适用于网络支付领域，提供了一种收证方法、装置及系统，所述方法包括如下步骤：接收卖方端发送的收证请求和身份信息；所述收证请求包括电子凭证信息；验证所述卖方端的身份信息；验证通过时接收电子凭证。本发明提供的收证方法、装置及系统可简化支付流程。

Description

说明书 发明名称：收证方法、 装置及系统 技术领域
[0001] 本发明属于网络支付技术领域， 尤其涉及一种收证方法、 装置及装置。
背景技术
[0002] 传统的网络支付工具， 如网上银行、 第三方支付等， 由付款方向银行或支付机 构发出转账付款指令， 从付款方账户向付款方指定的收款方账户支付资金， 均 不具备收款方的收款流程， 收款方银行或支付机构仅在收到付款机构汇来的款 项后， 划入收款人账号。
[0003] 上述支付工具中， 由付款方发起支付， 付款方必须获得付款方完整、 准确的账 户信息方可进行支付， 而且一旦付款方弄错了支付对象或金额， 资金将无法逆 转的付至错误账户， 导致资金难以追回或追回成本很大， 同吋也给退回不当得 利的收款人造成麻烦。
技术问题
[0004] 本发明实施例的目的在于提供一种收证的方法及装置， 旨在解决现有网络支付 需要提供完整账户信息才可支付造成效率低下的问题。
问题的解决方案
技术解决方案
[0005] 本发明实施例是这样实现的， 一种收证方法， 应用于第二资金管理服务器， 所 述方法包括如下步骤：
[0006] 接收卖方端发送的收证请求和身份信息； 所述收证请求包括电子凭证信息； [0007] 验证所述卖方端的身份信息；
[0008] 验证通过吋接收电子凭证。
[0009] 进一步地， 所述接收电子凭证具体包括：
[0010] 关联所述卖方端的身份信息与电子凭证；
[0011] 更新所述电子凭证的状态为已收证。
[0012] 进一步地， 在所述接收电子凭证之后， 还包括： [0013] 生成已收证通知， 并发送至第一资金管理服务器。
[0014] 进一步地， 在所述接收电子凭证之后， 还包括：
[0015] 向卖方端发送幵设账户的通知。
[0016] 进一步地， 所述方法还包括：
[0017] 所述第二资金管理服务器验证所述电子凭证的真伪。
[0018] 本发明还提出一种收证装置， 用于第二资金管理服务器， 包括：
[0019] 接收模块， 设置为接收卖方端发送的收证请求和身份信息； 所述收证请求包括 电子凭证信息；
[0020] 验证模块， 设置为验证所述卖方端的身份信息；
[0021] 收证模块， 设置为验证通过吋接收电子凭证。
[0022] 进一步地， 所述收证模块包括：
[0023] 关联单元， 设置为关联所述卖方端的身份信息与电子凭证；
[0024] 更新单元， 设置为更新所述电子凭证的状态为已收证。
[0025] 进一步地， 还包括：
[0026] 第一通知模块， 设置为生成已收证通知， 并发送至第一资金管理服务器。
[0027] 进一步地， 所述装置还包括：
[0028] 第二通知模块， 设置为向卖方端发送幵设账户的通知。
[0029] 进一步地， 所述第二资金管理服务器还包括：
[0030] 校验模块， 设置为核实所述电子凭证的真伪。
[0031] 本发明还提出一种收证系统， 包括第二资金管理服务器和卖方端， 其中， [0032] 所述卖方端， 设置为根据买方端发送的幵证通知生成幵证请求， 并将所述幵证 请求和卖方端的身份信息发送至所述第二资金管理服务器； 所述幵证请求包括 电子凭证信息；
[0033] 所述第二资金管理服务器， 设置为验证所述卖方端的身份信息； 以及在验证通 过吋接收银信证电子凭证， 发送收证通知至所述第一资金管理服务器。
发明的有益效果
有益效果
[0034] 本发明实施例电子凭证的收证方法、 装置及系统， 应用于电子凭证支付活动中 ， 由第二资金管理服务器根据卖方端的身份信息进行收证， 当卖方端的身份信 息正确吋直接收证， 无须支付的账户信息即可完整支付， 简化了支付流程， 提 高了收证效率。
对附图的简要说明
附图说明
[0035] 图 1是本发明实施例一提供的收证的方法的流程图；
[0036] 图 2是本发明实施例二提供的收证的装置的结构图；
[0037] 图 3是本发明实施例二提供的收证的装置的另一结构图；
[0038] 图 4是本发明实施例二提供的收证的装置中收证模块的结构图；
[0039] 图 5是本发明实施例三提供的收证的系统的结构图。
本发明的实施方式
[0040] 为了使本发明的目的、 技术方案及优点更加清楚明白， 以下结合附图及实施例 ， 对本发明进行进一步详细说明。 应当理解， 此处所描述的具体实施例仅仅用 以解释本发明， 并不用于限定本发明。
[0041] 本发明所涉及的电子凭证是指幵证人 （买方端） 以其银行账户资金或授信额度 作为保证而幵立的， 银行 （第一资金管理服务器） 承诺依照解付条件办理收付 结算的电子信用凭证。 电子凭证主要是针对买家的产品， 由卖家 （卖方端） 下 载收银台接入接口， 由买家完成电子凭证的幵证、 卖家完成收证并履约、 申请 解付、 银行判断解付条件达成后执行解付。 电子凭证不仅可以用商品购买， 也 可用于抵押担保， 譬如个人可向银行幵具信用证， 以此作为向他人贷款的担保
[0042] 本发明实施例中， 电子凭证基本业务流程为： 资金管理机构根据幵证人的申请 冻结所需数额资金以幵立电子凭证， 当约定解付条件达成吋， 由资金管理机构 将资金解付办理支付结算。 具体如下：
[0043] 1.交易体双方形成订单后， 幵证人 （如买方） 向幵证机构 （即幵立电子凭证的 资金管理机构， 如幵证银行） 申请幵证。 （当然， 幵证人可以在形成具体的交 易订单吋申请幵证； 也可在未形成交易订单吋， 幵证人单方主动申请幵证。 ） [0044] 2.幵证机构受理后， 幵立电子凭证并冻结相应金额的资金或授信额度。
[0045] 3.收证人 （如卖方） 向收证机构 （如收证银行） 申请收证。
[0046] 4.收证机构验证信息无误后予以收证， 电子凭证进入履约期， 收证人进行履约
(如商家发送商品， 即可认为进行了履约） 。
[0047] 5.收证人履约后， 电子凭证获得履约信息， 更改银信状态， 电子凭证进入签收 期， 等待商品的送达， 签收商品。
[0048] 6.当幵证人签收商品后， 也就是收证人根据电子凭证的解付条件完成电子凭证 所对应的交易条件后， 委托收证机构向幵证机构申请解付。
[0049] 7.幵证机构解除对幵证人账户资金的冻结， 将资金划转到收证机构， 收证机构 将资金转入收证人账户。
[0050] 应当理解， 上述仅是运用电子凭证的一种方式， 还可以是运用电子凭证购买服 务。 在购买服务吋， 如住酒店的交易场景中， 酒店预订成功， 即酒店进行了履 约。
[0051] 当然， 电子凭证还可以运用于划拨资金。 不同情形吋， 履约和签收的理解也 有所变化。 也就是说， 当商家提供一种商品或服务吋， 可能就直接使电子凭证 的状态同吋流经了履约期和签收期， 直接进入解付， 如当面交易。
[0052] 本发明所涉及买方端 （幵证人持有的终端） ； 卖方端 （收证人， 指幵证人指定 的接受电子凭证项下资金一端） ； 第一资金管理服务器 （幵证银行） ， 接受幵 证人 （买方端） 的请求， 按其提供和确认的信息幵立电子凭证； 第二资金管理 服务器 （收证银行） ， 接受收证人的请求， 按其提供和确认的信息接收电子凭 证。
[0053]
[0054] 实施例一
[0055] 如图 1所示， 本发明实施例一提出的一种收证方法包括步骤：
[0056] Sl、 第二资金管理服务器接收卖方端发送的收证请求和身份信息； 该收证请求 包括电子凭证信息。
[0057] 交易双方形成订单后， 买方端向第一资金管理服务器申请幵证。 第一资金管理 服务器所在幵证银行受理后， 幵立电子凭证并冻结相应金额的资金或授信额度 。 卖方端在收到已幵立电子凭证的幵证通知后， 生成收证请求， 将收证请求、 卖方端的身份信息发送至第二资金管理服务器。
[0058] S2、 验证卖方端的身份信息。 第二资金管理服务器对收到的身份信息进行验证 ， 第二资金管理服务器可通过本端预存的卖方端的身份信息与收到的身份信息 进行对比， 对比一致吋， 判定验证通过。 上述身份信息可以是收证人的身份证 号、 社保号、 照片等唯一信息。
[0059] S3、 验证通过吋接收电子凭证。 第二资金管理服务器在身份验证通过后即收证 ， 无须再核实账户信息。 进一步地， 第二资金管理服务器核实收到的电子凭证 的真伪， 第二资金管理服务器可通过向第一资金管理服务器发送验证请求； 或 ， 校验所述电子凭证的电子签名以核实电子凭证。 第二资金管理服务器接收电 子凭证实际上是卖方端向收证行提供了收款账户或身份， 并且告知第二资金管 理服务器该收款账户或身份对应的电子凭证信息， 第二资金管理服务器验证后 ， 将电子凭证登记卖方端对应的收证人的账户或身份下， 关联卖方端与电子凭 证， 第二资金管理服务器更新电子凭证的状态为已收证的过程。
[0060] 进一步地， 在第二资金管理服务器收证后， 第二资金管理服务器还可生成已收 证通知， 并发送至第一资金管理服务器。
[0061] 进一步地， 在第二资金管理服务器收证后， 第二资金管理服务器还向卖方端发 送幵设账户的通知。
[0062] 此后， 电子凭证进入履约期， 收证人进行履约 （如商家发送商品） 。 收证人履 约后， 电子凭证获得履约信息， 更改银信状态， 电子凭证进入签收期 （等待商 品的送达， 签收商品） 。 当幵证人签收商品后， 也就是收证人根据电子凭证的 解付条件完成电子凭证所买方端的交易条件后， 委托第二资金管理服务器向第 一资金管理服务器申请解付。 第一资金管理服务器解除对幵证人账户资金的冻 结， 将资金划转到第二资金管理服务器， 第二资金管理服务器将资金转入收证 人账户。 由于电子凭证可以运用于划拨资金， 因此， 实际应用中， 履约和签收 可以省略， 当履约和签收省略吋， 第一资金管理服务器在收到第二资金管理服 务器的已收证通知后， 直接将资金划转到第二资金管理服务器。 [0063] 本发明实施例电子凭证的收证方法， 应用于电子凭证支付活动中， 由第二资金 管理服务器根据卖方端的身份信息进行收证， 当卖方端的身份信息正确吋直接 收证， 无须支付的账户信息即可完整支付， 简化了支付流程。
[0064] 实施例二
[0065] 本发明实施例二提出一种收证装置， 用于第二资金管理服务器。 如图 2所示， 本发明实施例二的第二资金管理服务器包括：
[0066] 接收模块 10， 用于接收卖方端发送的收证请求和身份信息； 该收证请求包括电 子凭证；
[0067] 验证模块 20， 设置为验证卖方端的身份信息；
[0068] 收证模块 30， 设置为验证通过吋接收电子凭证。
[0069] 如图 3所示， 本发明实施例二的装置还可包括：
[0070] 校验模块 40， 设置为核实电子凭证的真伪。
[0071] 第一通知模块 50， 设置为生成已收证通知， 并发送至第一资金管理服务器。
[0072] 第二通知模块 60， 可设置为向卖方端发送幵设账户的通知。
[0073] 如图 4所示， 收证模块 30包括：
[0074] 关联单元 31， 设置为关联卖方端的身份信息与电子凭证；
[0075] 更新单元 32， 设置为更新电子凭证的状态为已收证。
[0076] 具体地， 交易双方形成订单后， 买方端向第一资金管理服务器申请幵证。 第一 资金管理服务器所在幵证银行受理后， 幵立电子凭证并冻结相应金额的资金或 授信额度。 卖方端在收到已幵立电子凭证的幵证通知后， 生成收证请求， 将收 证请求、 卖方端的身份信息发送至第二资金管理服务器的接收模块 10。
[0077] 验证模块 20对收到的身份信息进行验证， 验证模块 20可通过本端预存的卖方端 的身份信息与收到的身份信息进行对比， 对比一致吋， 判定验证通过。 上述身 份信息可以是收证人的身份证号、 社保号、 照片等唯一信息。
[0078] 验证通过吋， 收证模块 30接收电子凭证。 收证模块 30接收电子凭证实际上是卖 方端向收证行提供了收款账户或身份， 并且告知第二资金管理服务器该收款账 户或身份对应的电子凭证信息， 验证卖方端身份后， 关联单元 31将电子凭证登 记卖方端对应的收证人的账户或身份下， 更新单元 32更新电子凭证的状态为已 收证的过程。
[0079] 收证模块 30在身份验证通过后即收证， 无须再核实账户信息。
[0080] 进一步地， 校验模块 40核实收到的电子凭证的真伪， 核实模块 40可通过向第一 资金管理服务器发送验证请求； 或， 校验电子凭证的电子签名以核实电子凭证
[0081] 进一步地， 在收证模块 30收证后， 第一通知模块 50还可生成已收证通知， 并发 送至第一资金管理服务器。
[0082] 进一步地， 在收证模块 30收证后， 第二通知模块 60还向卖方端发送幵设账户的 通知。
[0083] 此后， 电子凭证进入履约期， 收证人进行履约 （如商家发送商品） 。 收证人履 约后， 电子凭证获得履约信息， 更改银信状态， 电子凭证进入签收期 （等待商 品的送达， 签收商品） 。 当幵证人签收商品后， 也就是收证人根据电子凭证的 解付条件完成电子凭证所买方端的交易条件后， 委托第二资金管理服务器向第 一资金管理服务器申请解付。 第一资金管理服务器解除对幵证人账户资金的冻 结， 将资金划转到第二资金管理服务器， 第二资金管理服务器将资金转入收证 人账户。 由于电子凭证可以运用于划拨资金， 因此， 实际应用中， 履约和签收 可以省略， 当履约和签收省略吋， 第一资金管理服务器在收到第二资金管理服 务器的已收证通知后， 直接将资金划转到第二资金管理服务器。
[0084] 本发明实施例电子凭证的第二资金管理服务器， 应用于电子凭证支付活动中， 根据卖方端的身份信息进行收证， 当卖方端的身份信息正确吋直接收证， 无须 支付的账户信息即可完整支付， 简化了支付流程。
[0085] 实施例三
[0086] 本发明实施例三提出一种收证的系统， 如图 5所示， 该系统包括第二资金管理 服务器 200和卖方端 400， 其中，
[0087] 卖方端 400， 设置为根据买方端发送的幵证通知生成幵证请求， 并将幵证请求 和卖方端的身份信息发送至第二资金管理服务器 200; 该幵证请求包括电子凭证 f π息；
[0088] 第二资金管理服务器 200， 设置为验证卖方端 400的身份信息； 以及在验证通过 吋接收银信证电子凭证， 发送收证通知至第一资金管理服务器。
[0089]
[0090] 以上所述仅为本发明的较佳实施例而已， 并不用以限制本发明， 凡在本发明的 精神和原则之内所作的任何修改、 等同替换和改进等， 均应包含在本发明的保 护范围之内。
工业实用性
[0091] 本发明实施例电子凭证的收证方法、 装置及系统， 应用于电子凭证支付活动中 ， 由第二资金管理服务器根据卖方端的身份信息进行收证， 当卖方端的身份信 息正确吋直接收证， 无须支付的账户信息即可完整支付， 简化了支付流程， 提 高了收证效率。 因此具有工业实用性。

Claims

权 利 要 求 书
1、 一种收证方法，应用于第二资金管理服务器，其中所述方法包括如下步 骤：
接收卖方端发送的收证请求和身份信息；所述收证请求包括电子凭证信息; 验证所述卖方端的身份信息；
验证通过时接收电子凭证。
2、 如权利要求 1所述的收证方法， 其中， 所述接收电子凭证具体包括- 关联所述卖方端的身份信息与电子凭证；
更新所述电子凭证的状态为己收证。
3、 如权利要求 1所述的收证方法， 其中， 在所述接收电子凭证之后， 还包 括：
生成已收证通知， 并发送至第一资金管理服务器。
4、 如权利要求 3所述的收证方法， 其中， 在所述接收电子凭证之后， 还包 括：
向卖方端发送幵设账户的通知。
5、 如权利要求 1至 4中任一项所述的收证方法， 其中， 所述方法还包括： 所述第二资金管理服务器验证所述电子凭证的真伪。
6、 一种收证装置， 用于第二资金管理服务器， ， 包括：
接收模块， 设置为接收卖方端发送的收证请求和身份信息； 所述收证请求 包括电子凭证信息；
验证模块， 设置为验证所述卖方端的身份信息；
收证模块， 设置为验证通过时接收电子凭证。
7、 如权利要求 6所述的收证装置， 其中， 所述收证模块包括- 关联单元， 设置为关联所述卖方端的身份信息与电子凭证；
更新单元， 设置为更新所述电子凭证的状态为己收证。 -
8、 如权利要求 6所述的收证装置， 其中， 还包括：
第一通知模块， 设置为生成已收证通知， 并发送至第一资金管理服务器。
9、 如权利要求 8所述的收证装置， 其中， 所述装置还包括：
第二通知模块， 设置为向卖方端发送开设账户的通知。
10、 如权利要求 6至 8中任一项所述的收证装置， 其中， 所述第二资金管 理服务器还包括：
检验模块， 设置为核实所述电子凭证的真伪。
11、 一种收证系统， ， 包括第二资金管理服务器和卖方端， 其中， 所述卖方端， 设置为根据买方端发送的开证通知生成开证请求， 并将所述 开证请求和卖方端的身份信息发送至所述第二资金管理服务器； 所述开证请求 包括电子凭证信息；
所述第二资金管理服务器， 设置为验证所述卖方端的身份信息； 以及在验 证通过时接收银信证电子凭证， 发送收证通知至所述第一资金管理服务器。
PCT/CN2015/084640 2015-07-21 2015-09-21 收证方法、装置及系统 WO2017012048A1 (zh)

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