WO2017012049A1

WO2017012049A1 - Electronic certificate receiving method, device and system

Info

Publication number: WO2017012049A1
Application number: PCT/CN2015/084642
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: CA2993059A1

Abstract

An electronic certificate receiving method, device and system, belonging to the technical field of Internet finance. The method comprises: a second client sends at least two receiving requests to a second funds management server (S101); the second funds management server receives all the receiving requests in a batch (S102); the second funds management server performs seller information verification on all the received receiving requests (S103); the second funds management server receives electronic certificates corresponding to all the receiving requests which pass the seller information verification (S104). The second client sends the receiving requests and the second funds management server verifies the seller information, thereby implementing selective receiving by a seller, reducing a network payment error rate, and reducing the transaction risk for both a buyer and the seller. In addition, sending and processing receiving requests in batches further increases receiving efficiency.

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, there is no independent collection process, only passive collection, can not refuse to account, nor can it selectively collect money, can not meet the seller's selective collection of transaction order information and transaction objects. demand.

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:

[0006] According to an aspect of the present invention, a method for receiving an electronic voucher includes the following steps: [0007] a second client sends at least two receipt requests to a second fund management server; [0008] the second fund management server receives all the receipt requests in batches;

[0009] verifying the seller information for all the receipt requests received;

[0010] receiving an electronic voucher corresponding to all the receipt requests verified by the seller 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, in batches, all of the at least two receiving requests sent by the second client;

[0013] verifying seller information for all received receipt requests;

[0014] receiving an electronic voucher corresponding to all the receipt requests verified by the seller information.

[0015] According to another aspect of the present invention, a receiving system for an electronic voucher includes a second client and a second money management server, wherein:

[0016] the second client is configured to send at least two receipt requests to the second fund management server;

[0017] the second fund management server is configured to receive, in batches, all the receiving requests in the at least two receiving requests sent by the second client; and further configured to verify the seller information for all the received receiving requests; and receive the pass The electronic voucher corresponding to all the receipt requests of the seller information verification.

[0018] 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:

[0019] The receiving module is configured to receive, in batches, all the receiving requests in the at least two receiving requests sent by the second client;

[0020] a verification module, configured to verify seller information for all received receipt requests;

[0021] The processing module is configured to receive an electronic credential corresponding to all the receipt requests verified by the seller information.

Advantageous effects of the invention

Beneficial effect

[0022] The method, device and system for receiving electronic voucher provided by the present invention, the second fund management server verifies the seller information by sending the certificate request by the second client, thereby realizing the seller's selective collection and reducing The error rate of online payment reduces the transaction risk of buyers and sellers; meanwhile, the efficiency of collection can be further improved by batch sending and batch processing of receipt requests.

Brief description of the drawing

DRAWINGS 1 is a flowchart of a method for receiving 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 Embodiment 2 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 flowchart of a method for receiving an electronic voucher according to Embodiment 4 of the present invention.

5 is a block diagram of a device for receiving an electronic voucher according to Embodiment 5 of the present invention.

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

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

Embodiments of the invention

[0030] The present invention will be further described in detail in conjunction with the 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.

[0031] In the embodiment of the present invention, the electronic voucher is applied to the fund management institution by the buyer with the account fund or the credit line as the security deposit, and the fund management institution promises to handle the electronic credit certificate for settlement and payment according to the payment condition. . The electronic voucher is an Internet-based financial instrument paid by the fund management institution's credit commitment. It is mainly for the buyer's product. The seller downloads the cashier access interface, and the buyer completes the e-voucher certificate, the seller completes the certificate and performs the contract. Submit the payment, and finally the electronic voucher expires automatically. Electronic vouchers can be purchased not only with merchandise but also with collateral. A money management agency is 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 fund management account includes a bank loan account or an account of another financial institution.

[0032] 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 server of the money management agency) through the first client (the certificate terminal). certificate. 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 confirming the order, the seller applies for the receipt to the second fund management server (that is, the server of the collection fund management institution) through the second client (the certificate receiving end), and the second fund management server verifies the information, and then receives the certificate, the electronic certificate Entering the performance period, waiting for the seller to send the goods or mention For service. 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. 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.

[0033] wherein, after the electronic voucher is established, the validity period is divided into three segments, and the interim time period is stated 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.

[0034] 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.

[0035] Embodiment 1

[0036] As shown in FIG. 1, a method for receiving an electronic voucher according to an embodiment of the present invention includes the following steps: [0037] S101. The second client sends at least two receipt requests to the second fund management server.

[0038] Specifically, after the seller confirms the order, the second client initiates at least two collection requests to the second fund management server in batches. The receipt request includes at least electronic voucher information and seller information, and the electronic voucher information includes at least an electronic voucher number, and may also be combined with any one or more of the following parameters: payment effect, transaction object information, settlement rate, The information of the card, the amount of the certificate, the period of performance, the period of receipt, the model of the electronic certificate and the mode of payment. Seller information includes seller identity information and/or seller account information. For example, in an embodiment where there is a card receipt (ie, the seller has an account receipt at the second money management server), the receipt request may have only electronic voucher information and seller identity information. In an embodiment where no card issuance (ie, the seller does not have an account receipt in the second fund management server), the request for receipt includes an electronic voucher letter The information also includes the payment account information or the identity information, so that after the second fund management server verifies the verification, the electronic voucher is registered under the seller's account or identity.

[0039] S102. The second fund management server receives all the receipt requests in batches. Specifically, after the second fund management server receives all the receipt requests in batches, the second batch management process further processes the receipt requests in batches, thereby improving processing efficiency.

[0040] S103. Verify seller information for all received receipt requests.

[0041] Specifically, the step includes verifying the identity information of the seller and/or the account information of the seller for all the received confirmation requests. The verification of the identity information of the seller is implemented by using a mobile phone dynamic code or by an electronic signature. The mobile phone dynamic code uses the mobile phone as a random password to generate or accept the terminal. The mobile phone dynamic code is a one-time effective password security protection measure, which can greatly enhance the user identity authentication or transaction security. If the verification is passed, the corresponding silver letter receipt is received. If the verification fails, the corresponding electronic certificate is not received. Of course, the information that the verification fails may be fed back to the second client.

[0042] S104. Receive an electronic voucher corresponding to all the receipt requests verified by the seller information.

[0043] Specifically, in this step, the electronic voucher corresponding to all the receipt requests verified by the seller information may be registered in batches, and the status of the corresponding electronic voucher is updated as the received certificate; and all the verifications by the seller information may be sequentially performed. The electronic voucher corresponding to the receipt request is registered, and the status of the corresponding electronic voucher is updated as the received certificate.

[0044] In the embodiment of the present invention, the second client sends the receipt request and the second fund management server verifies the seller information, so that the seller can selectively collect the payment, and can reduce the error rate of the network payment, and reduce the buyer and the seller. Trading risk; peer, through batch

[0045] Sending and batch processing the receipt request can further improve the collection efficiency.

[0046] Embodiment 2

[0047] As shown in FIG. 2, a method for receiving an electronic voucher according to an embodiment of the present invention includes the following steps: [0048] S201. The second client sends at least two receipt requests to the second fund management server.

[0049] S202. The second fund management server receives all the receipt requests in batches.

[0050] S203. Verify identity information of the seller for all received receipt requests.

[0051] S204. Verify the seller's account information for all received receipt requests.

[0052] S205, batching the electronic voucher corresponding to all the receipt requests verified by the seller identity and the account information. The line is registered, and the status of the corresponding electronic voucher is updated as received.

[0053] S206. Generate a received notification in batches for all the receipt requests verified by the seller identity and the account information.

[0054] S207. Send all the received notifications to the corresponding first fund management server.

[0055] wherein, the first fund management server corresponding to all the electronic certificates may belong to the same fund management server

, can also belong to different multiple fund management servers.

[0056] In the embodiment of the present invention, on the basis of the first embodiment, the receipt of the received certificate by verifying the electronic voucher and the batch by batch receiving can further improve the collection efficiency. And by forwarding the received notification to the first fund management server to smoothly enter the subsequent link.

[0057] Embodiment 3

[0058] As shown in FIG. 3, a method for receiving an electronic voucher according to an embodiment of the present invention includes the following steps:

[0059] S301. The second client sends at least two receipt requests to the second fund management server.

[0060] S302. The second fund management server receives all the receipt requests in batches.

[0061] S303. Verify identity information and account information of the seller for all received receipt requests.

[0062] S304. Register the electronic voucher corresponding to all the receipt requests verified by the seller identity and the account information, and update the status of the corresponding electronic voucher to the received certificate.

[0063] S305. Generate a batch notification for all the receipt requests verified by the seller identity and the account information.

[0064] S306. Send all the received notifications to the corresponding first fund management server.

[0065] wherein, the first fund management server corresponding to all the electronic certificates may belong to the same fund management server

, can also belong to different multiple fund management servers.

In the embodiment of the present invention, on the basis of the first embodiment, the received electronic certificate is sequentially received and the received certificate notification is generated in batches, and forwarded to the first fund management server to smoothly enter the subsequent link.

[0067] Embodiment 4

[0068] As shown in FIG. 4, 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] S401. Receive, in batch, all the receiving requests in the at least two receiving requests sent by the second client.

[0070] S402. Verify seller information for all received receipt requests.

[0071] Specifically, the step includes verifying the identity information of the seller and/or the account information of the seller for all the received confirmation requests. Wherein, the verification of the seller identity information is implemented by the mobile phone dynamic code or by the power The sub-signature implements verification. 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. If the verification is passed, the corresponding silver letter receipt is received. If the verification fails, the corresponding electronic certificate is not received. Of course, the information that the verification fails may be fed back to the second client.

[0072] S403. Receive an electronic voucher corresponding to all the receipt requests verified by the seller information.

[0073] Specifically, in this step, the electronic voucher corresponding to all the receipt requests verified by the seller information may be registered in batches, and the status of the corresponding electronic voucher is updated as received; and all the verifications by the seller information may be sequentially performed. The electronic voucher corresponding to the receipt request is registered, and the status of the corresponding electronic voucher is updated as the received certificate.

[0074] S404. Generate a batch notification of the receipt for all the receipt requests verified by the seller information.

[0075] S405. Send all the received notifications to the corresponding first fund management server.

[0076] wherein, the first fund management server refers to the certificate fund management server of the electronic certificate, and all the electronic certificates of the batch certificate may belong to the same first fund management server, or may belong to different first fund management servers. .

[0077] In the embodiment of the present invention, the batch receiving and batch processing of the receiving request by the second fund management server can improve the efficiency of the certificate. In addition, the received certificate notification is generated in batches and forwarded to the first money management server for the electronic certificate to smoothly enter the subsequent link.

[0078] Embodiment 5

[0079] As shown in FIG. 5, 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 modules:

[0080] The receiving module 201 is configured to receive, in batches, all of the at least two receiving requests sent by the second client.

[0081] The verification module 202 is configured to verify the seller information for all received receipt requests.

[0082] Specifically, the verification module 202 is configured to verify the identity information of the seller and/or the account information of the seller for all the received confirmation requests. Among them, the verification of the seller's identity information is realized by the mobile phone dynamic code or by electronic signature. The mobile phone dynamic code uses the mobile phone as a random password to generate or accept the terminal. The mobile phone dynamic code is a one-time effective password security protection measure, which can greatly enhance the security of user identity authentication or transaction. If the verification is passed, the corresponding silver letter receipt is received, if the verification fails , the corresponding electronic voucher is not received, and of course, the information that the verification fails may be fed back to the second client.

[0083] The processing module 203 is configured to receive an electronic credential corresponding to all the receipt requests verified by the seller information.

[0084] Specifically, the processing module 203 is specifically configured to: register, in batch, the electronic voucher corresponding to all the receipt requests verified by the seller information, and update the status of the corresponding electronic voucher to have been received; or sequentially pass the seller information. The electronic voucher corresponding to all the verification requests is verified, and the status of the corresponding electronic voucher is updated as the received certificate.

Referring to FIG. 6, as a preferred embodiment, the apparatus may further include a generating module 204 and a sending module 205, where:

[0086] The generating module 204 is configured to generate a received notification for all the receipt requests verified by the seller information.

[0087] Specifically, the generating module 204 may be configured to generate the received notifications in batches for all the receipts verified by the seller information, or generate the received notifications in turn for all the receipts verified by the seller information.

[0088] The sending module 205 is configured to send the received notification to the corresponding first fund management server.

[0089] It should be noted that the foregoing method embodiment 4 and the device in the fifth embodiment belong to the same technical concept, and the technical features in the method embodiment are correspondingly applicable in the system and the device, and are not repeatedly described herein.

[0090] Embodiment 6

[0091] As shown in FIG. 7, a receiving system for an electronic voucher according to an embodiment of the present invention includes a second client and a second fund management server, where:

[0092] the second client 10 is configured to send at least two receipt requests to the second fund management server

[0093] Specifically, after the seller confirms the order, the second client sends a batch of at least two receipt requests to the second fund management server. The receipt request includes at least electronic voucher information and seller information, and the electronic voucher information includes at least an electronic voucher number, and may also be combined with any one or more of the following parameters: payment effect, transaction object information, settlement rate, The information of the card, the amount of the certificate, the period of performance, the period of receipt, the model of the electronic certificate and the mode of payment. Seller information includes seller identity information and/or seller account information.

[0094] the second fund management server 20 is configured to receive, in batches, all of the at least two of the at least two receiving requests sent by the second client; and further configured to verify the seller information for all the received receiving requests; and The electronic voucher corresponding to all the receipt requests verified by the seller information is received.

[0095] Specifically, the second fund management server 20 may batch-register the electronic voucher corresponding to all the receipt requests verified by the seller information, and update the status of the corresponding electronic voucher to have been received; The electronic voucher corresponding to all the receipt requests of the information verification is registered, and the status of the corresponding electronic voucher is updated as the received certificate.

[0096] In some preferred embodiments, the second money management server 20 is further configured to: generate a received notification for all of the receipt requests verified by the seller information, and send all of the received notifications to the corresponding first Money management server. In this way, the electronic voucher can smoothly enter the subsequent link.

[0097] It should be noted that the first, second, and third embodiments of the foregoing method belong to the same technical concept as the system of the sixth embodiment, and the technical features in the method embodiment are correspondingly applicable in the system and the device. Retelling.

[0098] In the embodiment of the present invention, the second client sends the certificate request and the second money management server verifies the seller information, so that the seller can selectively collect the money, and can reduce the error rate of the network payment, and reduce the buyer and the seller. The transaction risk; peers, through bulk delivery and batch processing of the receipt request, can further improve the efficiency of collection.

[0099] 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

[0101] The method, device and system for collecting electronic voucher provided by the present invention, the second fund management server verifies the seller information by sending the certificate request by the second client, thereby realizing the seller's selective collection and reducing The error rate of online payment reduces the transaction risk of buyers and sellers; meanwhile, the efficiency of collection can be further improved by batch sending and batch processing of receipt requests.

Claims

Claim

A method for receiving an electronic voucher, the method comprising the steps of: the second client transmitting at least two receipt requests to the second fund management server; the second fund management server receiving all the receipt requests in batches; All receipt requests verify seller information;

The electronic voucher corresponding to all the receipt requests verified by the seller information is received.

And updating the status of the corresponding electronic voucher as the received certificate and updating the status of the corresponding electronic voucher to the certificate receiving method of the electronic voucher, which is applied to the second fund management server, wherein the method comprises the following steps:

Receiving, in batches, all the receiving requests in the at least two receiving requests sent by the second client; verifying the seller information on all the received receiving requests;

The method for receiving an electronic voucher according to claim 2, wherein the verifying the seller information for all the received confirmation requests comprises:

The method for verifying the identity information of the seller and/or the account information of the seller for all the received receipt requests, according to claim 2, wherein the electronic receipt corresponding to all the receipt requests for verification is received Includes:

Batching the electronic voucher corresponding to all the receipt requests verified by the seller information, and updating the status of the corresponding electronic voucher as the received certificate;

Or, the electronic voucher corresponding to all the receipt requests verified by the seller information is registered in turn, and the status of the corresponding electronic voucher is updated as the received certificate.

The method for receiving an electronic voucher according to any one of claims 2-4, wherein the method further comprises:

Generate a received notification for the electronic voucher corresponding to all the receipt requests verified by the seller information. All the received notifications are sent to the corresponding first fund management server.

[Claim 6] A receiving device for an electronic voucher, applied to a second money management server, the device comprising The following modules:

a receiving module, configured to receive, in batches, all the receiving requests in the at least two receiving requests sent by the second client;

The verification module is configured to verify the seller information for all the receipt requests received; the processing module is configured to receive the electronic voucher corresponding to all the receipt requests verified by the seller information.

[Claim 7] The receiving device of the electronic voucher according to claim 6, wherein the verification module is specifically configured to:

Verification of the seller's identity information and/or seller's account information for all received receipt requests received

[Claim 8] The method for receiving an electronic voucher according to claim 6, wherein the processing module is specifically configured to:

[Claim 9] The device for receiving an electronic voucher according to any one of claims 6-8, wherein the device further comprises:

Generating a module, configured to generate a received notification for the electronic credential corresponding to all the receipt requests verified by the seller information;

The sending module is configured to send all the received notifications to the corresponding first money management server.

[Claim 10] A receipt system for an electronic voucher, the system comprising a second client and a second money management server, wherein:

The second client is configured to send at least two receiving requests to the second fund management server;

The second fund management server is configured to receive all the receiving requests in the at least two receiving requests sent by the second client in batches; and further set to check all the received receiving requests The seller's information is received; and the electronic voucher corresponding to all the receipt requests verified by the seller information is received.