WO2017012051A1

WO2017012051A1 - Method, device, and system for receiving certificate

Info

Publication number: WO2017012051A1
Application number: PCT/CN2015/084645
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: CA2994351A1; CA2994351C

Abstract

A method, device, and system for receiving a certificate, applicable in the technical field of online payment. The method comprises the following steps: receiving a certificate issued notification for a first electronic certificate transmitted by a first fund management server, where the certificate issued notification comprises first electronic certificate information (S1); comparing to be issued electronic certificate information stored by a second fund management server with the first electronic certificate information (S2); and when both are identical, receiving the first electronic certificate (S3). The method, device, and system for receiving a certificate obviates the need for confirmation by a certificate recipient before the certificate can be received, thus increasing efficiency and at the same time reducing the error rate of online payment.

Description

Specification Name of invention: Method, device and system for receiving documents

[0001] The present invention belongs to the field of network payment technologies, and in particular, to a method, device and system for receiving a certificate.

Background technique

[0002] Traditional online payment tools, such as online banking, third-party payment, etc., are issued by the payment bank or the payment institution, and the payment is made from the payer's account to the payee's designated payee account. The payment process of the payment party, the payee bank or the payment institution is only included in the payee account number after receiving the payment from the payment institution.

[0003] In the above payment instrument, the payment by the payer, the payer must obtain the complete and accurate account information of the payer to make the payment, and once the payer mistakes the payment object or the amount, the funds will not be reversible. Incorrect accounts, which make it difficult to recover funds or recover costs, are also troublesome for returning unjustly profitable recipients. For the payee, you can only passively collect money, and you cannot reject the money or direct payment.

technical problem

[0004] An object of the embodiments of the present invention is to provide a method, device, and system for receiving a certificate, which are intended to solve the problem that the payment by the payer needs to confirm the complete account of the payee, resulting in inefficiency.

Problem solution

Technical solution

[0005] The embodiment of the present invention is implemented as follows, and a method for receiving a certificate is used for a second fund management server, and the method includes the following steps:

[0006] receiving a verified notification of the first electronic voucher sent by the first fund management server, where the verified notification includes the first electronic voucher information;

[0007] comparing the to-be-sent electronic voucher information stored by the second fund management server with the first electronic voucher information;

[0008] Consistently, the first electronic voucher is received.

[0009] Further, the receiving the first electronic voucher specifically includes: [0010] associating the second client information corresponding to the to-be-executed electronic voucher with the first electronic voucher;

[0011] updating the status of the first electronic voucher as a received certificate.

[0012] Further, after the receiving the first electronic voucher, the method further includes:

[0013] transmitting the received notification to the first fund management server.

[0014] Further, before receiving the notification of the first electronic voucher sent by the first fund management server, the

[0015] receiving a receipt request and a to-be-sent electronic voucher information sent by the second client;

[0016] generating a certificate request according to the receipt request;

[0017] transmitting the certificate request and the to-be-paid electronic voucher information to the first fund management server, where the first money management server stands for the first electronic certificate.

[0018] Further, after performing the receiving the second client's receiving request and the to-be-sent electronic voucher information

, Also includes:

[0019] saving the to-be-sent electronic voucher information sent by the second client.

[0020] The present invention also provides a receiving device for the second money management server, including:

[0021] The first receiving module is configured to receive the acknowledged notification of the first electronic voucher sent by the first fund management server, where the verified notification includes the first electronic voucher information;

[0022] a comparison module, configured to compare the to-be-sent electronic voucher information and the first electronic voucher information stored by the second fund management server;

[0023] a certificate receiving module, configured to receive the first electronic voucher after the comparison is consistent.

[0024] Further, the receiving module includes:

[0025] an association unit, configured to associate the second client information with the first electronic credential;

[0026] an update unit, configured to update the status of the first electronic voucher as a received certificate.

[0027] Further, the method further includes:

[0028] The first sending module is configured to send the received notification to the first fund management server.

[0029] Further, the device further includes:

[0030] a second receiving module, configured to receive a receipt request and a to-be-issued electronic voucher information sent by the second client; [0031] a certificate application module, configured to generate a certificate request according to the receipt request;

[0032] a second sending module, configured to send the certificate request and electronic voucher information to the first fund management And a server, where the first money management server stands for the first electronic voucher.

[0033] Further, the method further includes:

[0034] a saving module, configured to save the to-be-sent electronic voucher information sent by the second client.

[0035] The present invention also provides a receipt system, including a first fund management server and a second money management server, wherein

[0036] the first fund management server is configured to send the verified notification of the first electronic voucher to the second fund management server;

[0037] the second fund management server is configured to receive the acknowledged notification of the first electronic voucher sent by the first fund management server, where the verified notification includes the first electronic voucher information, and compare the second The electronic voucher information stored by the fund management server is consistent with the first electronic voucher information, and the first electronic voucher is received.

Advantageous effects of the invention

Beneficial effect

[0038] The method, device and system for receiving the electronic voucher in the embodiment of the present invention are applied to the electronic voucher payment activity, and the receiving bank compares the electronic voucher information originating from the seller with the first electronic device originating from the buyer. The voucher information, after the comparison is the same, can be used for the receipt of the certificate, which can reduce the transaction risk of the buyer and the seller, and does not require the confirmation of the second client in the process of receiving the certificate. Only the electronic voucher information can be compared to obtain the certificate, which improves the payment. effectiveness. Brief description of the drawing

DRAWINGS

1 is a flowchart of a method for receiving a certificate according to Embodiment 1 of the present invention;

2 is a structural diagram of a receiving device according to Embodiment 2 of the present invention;

3 is another structural diagram of a receiving device provided by Embodiment 2 of the present invention;

4 is a structural diagram of a receiving module in a receiving device according to Embodiment 2 of the present invention;

5 is a structural diagram of a receipt system provided by Embodiment 3 of the present invention.

Embodiments of the invention The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

[0045] The electronic voucher involved in the present invention means that the witness (the first client) stands by the bank account fund or the credit line as a guarantee, and the bank (the first fund management server) promises to accept the payment according to the payment condition. Payment of electronic credit memo. The electronic voucher is mainly for the buyer's product. The seller (the second client) downloads the cashier access interface, and 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 payment. The settlement is executed after the conditions are met. 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 lending to others.

[0046] In the embodiment of the present invention, 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:

[0047] 1. After the transaction body forms an order, 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.)

[0048] 2. After accepting the certificate, the electronic certificate is issued and the corresponding amount of funds or credit line is frozen.

[0049] 3. The recipient (such as the seller) applies to the collection agency (such as the collection bank) for the receipt.

[0050] 4. After the verification information of the certificate receiving institution is correct, the certificate is received, and the electronic certificate enters the performance period, and the certificate holder performs the performance (for example, if the merchant sends the goods, the contract can be considered to have performed the contract).

[0051] 5. After the certificateee performs the contract, 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.

[0052] 6. After the witnesses sign the goods, that is, the certificate holder completes the transaction conditions corresponding to the electronic certificate according to the payment conditions of the electronic certificate, the certificate receiving institution requests the card issuing institution to apply for settlement.

[0053] 7. The defamation agency cancels the freezing of the funds of the witnesses' accounts, transfers the funds to the collection agency, and the collection agency transfers the funds to the recipient's account.

[0054] The first client involved in the present invention (a witness, pointing to the bank to apply for the end of the electronic voucher); The client (the recipient, the one designated by the witness to accept the funds under the electronic certificate); the first fund management server (the bank), accepting the request of the witness (the first client), according to the information provided and confirmed by the client The second fund management server (the receiving bank) accepts the request of the certificate and receives the electronic certificate according to the information provided and confirmed.

[0055] Embodiment 1

[0056] As shown in FIG. 1, a method for receiving a certificate according to Embodiment 1 of the present invention is used for a second fund management server, including the steps of:

[0057] Sl, receiving the acknowledged notification of the first electronic voucher sent by the first fund management server, where the verified notification includes the first electronic voucher information. Before the second fund management server receives the notice of the certificate, the two parties first form an order, and the witness selects a bank, sends it to the second client at the end of the recipient, and the certificate is filled in by the certificate. And sent to the second money management server. The second fund management server receives the receipt request and the to-be-certified electronic voucher information sent by the second client, generates a certificate request according to the receipt request, and sends the certificate request and the to-be-certified electronic voucher information to the first fund management The server provides the first money management server with the first electronic voucher. At the same time, the second fund management server saves the electronic voucher information sent by the second client for subsequent comparison.

[0058] Further, after receiving the receipt request sent by the second client and the electronic voucher information to be authenticated, the second fund management server verifies the identity of the recipient to verify the authenticity of the electronic certificate to be certified.

[0059] The above-mentioned electronic voucher information to be certified includes, but is not limited to, payment efficiency, transaction object information, settlement rate, first fund management server information, amount of credit card, performance period, signing period, electronic voucher model, and payment mode. Wait.

[0060] After receiving the request for the certificate, the first fund management server sets up the first electronic voucher and freezes the funds or the credit line of the corresponding amount, generates a notice of the certificate, and according to the contact mode of the card, by telephone, fax or communication The software sends the verification notice to the second money management server.

[0061] S2. The electronic voucher information and the first electronic voucher information stored by the second fund management server are compared.

After receiving the notification, the second fund management server compares the electronic voucher information with the first electronic voucher information, and may preset a comparison range. When the comparison result is within a preset comparison range, the determination ratio is determined. For consistency, when the comparison results are consistent, proceed to step S3.

[0062] S3. The comparison is consistent, and the second fund management server receives the first electronic voucher. Second fund management service The process of receiving the first electronic voucher is actually that the second client provides the payment account or identity to the second fund management server, and informs the second fund management server of the electronic voucher information corresponding to the payment account or identity, and second After the fund management server verifies, the first electronic voucher is registered with the account or identity of the recipient corresponding to the second client, and the second client is associated with the first electronic voucher, and the second fund management server updates the state of the first electronic voucher to The process of receiving the certificate.

[0063] Further, the second fund management server sends the received notification to the first fund management server.

Thereafter, the first electronic voucher enters the performance period, and the recipient performs the performance (eg, the merchant sends the merchandise). After the certificateee performs the contract, the first electronic voucher obtains the performance information, changes the status of the bank letter, and the first electronic voucher enters the signing period (waiting for the delivery of the goods, signing the goods). After the witnesses sign the goods, that is, the card holder completes the transaction conditions of the first client corresponding to the first electronic voucher according to the payment condition of the first electronic voucher, and then entrusts the second fund management server to apply for the payment to the first fund management server. . The first fund management server releases the funds for the witness account 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 first electronic voucher can be used to transfer funds, in practice, the performance and receipt can be omitted. When the performance and signing are omitted, the first fund management server receives the notification of the second fund management server after receiving the certificate. Direct transfer of funds to the second fund management server.

[0064] The method for the electronic voucher in the embodiment of the present invention is applied to the electronic voucher payment activity, and the receiving bank automatically initiates the payment process after receiving the notification of the defamation certificate, and does not need the confirmation of the second client, only the electronic voucher information ratio is required. It can be used to collect certificates, which can effectively reduce the trading risks of buyers and sellers.

Embodiment 2

[0066] The second embodiment of the present invention provides a receiving device for the second fund management server. As shown in FIG. 2, the device of the second embodiment of the present invention includes:

[0067] The first receiving module 10 is configured to receive the verified notification of the first electronic certificate sent by the first fund management server, where the verified notification includes the first electronic voucher information;

[0068] the comparison module 20 is configured to compare the to-be-sent electronic voucher information and the first electronic voucher information stored by the second fund management server;

[0069] The certificate receiving module 30 is configured to receive the first electronic certificate after the comparison is consistent.

[0070] As shown in FIG. 3, the certificate receiving module 30 includes: [0071] The association unit 31 is configured to associate the second client information corresponding to the to-be-executed electronic voucher with the first electronic voucher; [0072] the updating unit 32 is configured to update the status of the first electronic voucher to be received.

[0073] Further, as shown in FIG. 4, the apparatus of the second embodiment of the present invention further includes:

[0074] The second receiving module 40 is configured to receive the receipt request and the to-be-certified electronic voucher information sent by the second client. [0075] The certificate application module 50 is configured to generate a certificate request according to the receipt request.

[0076] The second sending module 60 is configured to send the certificate request and the electronic voucher information to the first fund management server

, for the first fund management server to prove;

[0077] The saving module 70 is configured to save the electronic voucher information to be authenticated sent by the second client, as the electronic voucher information of the local end.

[0078] The first sending module 80 is configured to send the received notification to the first fund management server.

[0079] Specifically, the first receiving module 10 receives the verified notification sent by the first fund management server, and the verified notification includes the electronic certificate information that has been certified. Before the first receiving module 10 receives the notification

The transaction entity first forms an order, and the witness selects a bank, sends it to the second client at the end of the recipient, and the certificate is filled out by the certificate holder and sent to the second fund management server. The second receiving module 40 receives the receipt request and the to-be-certified electronic voucher information sent by the second client, and the certificate application module 50 generates a certificate request according to the receipt request, and submits the request and the request to the second sending module 50. The e-voucher information is sent to the first fund management server for verification by the first fund management server. At the same time, the saving module 70 saves the electronic voucher information sent by the second client, and the certificate is used for subsequent comparison.

[0080] Further, after receiving the verification request and the electronic voucher information sent by the second client, the second fund management server may verify the identity of the recipient to verify the authenticity of the electronic certificate to be certified.

[0081] The above-mentioned electronic voucher information to be certified includes, but is not limited to, payment efficiency, transaction object information, settlement rate, first fund management server information, amount of credit card, performance period, signing period, electronic voucher model, and payment mode. Wait.

[0082] After receiving the request for the certificate, the first fund management server sets up the first electronic voucher and freezes the funds or the credit line of the corresponding amount, generates a notice of the certificate, and according to the contact mode of the card, by telephone, fax or communication The software sends the verification notice to the second money management server. [0083] The comparison module 20 compares the electronic voucher information of the local end with the first electronic voucher information that has been certified. The comparison module 20 can preset a comparison range. When the comparison result is within a preset comparison range, the determination alignment is consistent. When the comparison result is consistent, the receipt module 30 receives the first electronic certificate. The process of receiving the first electronic voucher by the certificate receiving module 30 is actually that the second client provides the payment account or identity to the second fund management server in advance, and informs the second fund management server of the electronic account corresponding to the payment account or identity. After the comparison module 20 passes the comparison, the associating unit 31 registers the first electronic voucher with the account or identity of the recipient corresponding to the second client, associates the second client with the first electronic voucher, and updates the unit 32. The status of an electronic voucher is the process of receiving the certificate.

[0084] Further, the first sending module 80 sends the received notification to the first fund management server. Thereafter, the first electronic voucher enters the performance period, and the recipient performs the performance (eg, the merchant sends the merchandise). After the certificateee performs the contract, the first electronic voucher obtains the performance information, changes the status of the bank letter, and the first electronic voucher enters the signing period (waiting for the delivery of the goods, signing the goods). After the witnesses sign the goods, that is, the certificate holder completes the transaction conditions of the first client corresponding to the first electronic certificate according to the payment condition of the first electronic certificate, the second fund management server is entrusted to apply for the solution to the first fund management server. pay. The first fund management server releases the freeze on the witness account funds, transfers the funds to the second fund management server, and the second fund management server transfers the funds to the recipient account. Since the first electronic voucher can be used to transfer funds, in practice, the performance and receipt can be omitted. When the performance and signing are omitted, the first fund management server receives the notification of the second fund management server after receiving the certificate. Direct transfer of funds to the second fund management server.

[0085] 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 the receiving bank automatically initiates the payment process after receiving the notification of the card, and does not need the confirmation of the second client, only E-voucher information can be compared to match, which can effectively reduce the transaction risk of buyers and sellers.

[0086] Embodiment 3

[0087] Embodiment 3 of the present invention provides a system for receiving a certificate. As shown in FIG. 5, the system of the third embodiment of the present invention includes a first fund management server 100 and a second money management server 200, wherein

[0088] The first money management server 100, configured to send the certificate notification of the first electronic certificate to the second money management server 200;

[0089] The second money management server 200 is configured to receive the first electronic certificate sent by the first money management server 100 The verified notice of the certificate includes the first electronic voucher information, and compares the electronic voucher information to be stored with the first electronic voucher information stored by the second fund management server 200, and the comparison is the same as the receiving An electronic voucher.

The above description is only the preferred embodiment of the present invention, and is not intended to limit the present invention, and any modifications, equivalents, and improvements made within the spirit and scope of the present invention should be included in the present invention. Within the scope of protection of the invention.

Industrial applicability

[0091] The method, device and system for receiving the electronic voucher in the embodiment of the present invention are applied to the electronic voucher payment activity, and the receiving bank compares the electronic voucher information originating from the seller with the first electronic device originating from the buyer. The voucher information, after the comparison is the same, can be used for the receipt of the certificate, which can reduce the transaction risk of the buyer and the seller, and does not require the confirmation of the second client in the process of receiving the certificate. Only the electronic voucher information can be compared to obtain the certificate, which improves the payment. effectiveness. Therefore, it has industrial applicability.

Claims

Claim

[Claim 1] A method for receiving a certificate, for a second fund management server, the method comprising the steps of: receiving a notification of a first electronic voucher sent by a first fund management server, the notification of the certificate Including first electronic voucher information;

Comparing the electronic voucher information to be stored and the first electronic voucher information stored by the second fund management server;

Consistently, the first electronic voucher is received.

[Claim 2] The method for receiving a certificate according to claim 1, wherein the receiving the first electronic certificate specifically includes:

Correlating the second client information corresponding to the to-be-executed electronic voucher with the first electronic voucher, updating the state of the first electronic voucher is a received certificate.

[Claim 3] The method of claim 10, wherein, after the receiving the first electronic voucher, the method further comprises:

The received notification is sent to the first money management server.

[Claim 4] The method of claim according to any one of claims 1 to 3, wherein, before receiving the notification of the first electronic voucher sent by the first fund management server, the method further comprises: receiving the second The receipt request and the pending electronic voucher information sent by the client;

Generating a request for a certificate according to the receipt request;

Sending the request for confirmation and the electronic voucher information to be sent to the first fund management server, for the first fund management server to stand the first electronic certificate.

[Claim 5] The method of claim 4, wherein, after the receiving the receiving request of the second client and the electronic voucher information to be processed, the method further comprises:

And saving the to-be-sent electronic voucher information sent by the second client.

[Claim 6] A receiving device for a second fund management server, comprising:

a first receiving module, configured to receive a verified notification of the first electronic certificate sent by the first fund management server, where the verified notification includes the first electronic voucher information;

a comparison module, configured to compare the to-be-purchased electronic voucher letter stored by the second fund management server And the first electronic voucher information;

And a certificate receiving module, configured to receive the first electronic voucher after the comparison is consistent.

[Claim 7] The receiving device according to claim 6, wherein the receiving module comprises:

An association unit, configured to associate the second client information corresponding to the to-be-executed electronic voucher with the first electronic voucher;

And an update unit, configured to update the status of the first electronic voucher as a received certificate.

[Claim 8] The receiving device according to claim 6, further comprising:

The first sending module is configured to send the received notification to the first fund management server.

[Claim 9] The receiving device according to any one of claims 6 to 8, wherein the device further comprises: a second receiving module, configured to receive a confirmation request and a to-be-sent sent by the second client Electronic voucher

a certificate application module, configured to generate a certificate request according to the receipt request;

a second sending module, configured to send the certificate request and the electronic voucher information to the first fund management server, where the first money management server stands for the first electronic certificate

[Claim 10] The receiving device according to claim 9, further comprising:

And a saving module, configured to save the to-be-sent electronic voucher information sent by the second client.

[Claim 11] A receipt system comprising a first money management server and a second money management server, wherein

The first fund management server is configured to send the verified notification of the first electronic voucher to the second fund management server;

The second fund management server is configured to receive the acknowledged notification of the first electronic voucher sent by the first fund management server, the verified notification includes the first electronic voucher information, and compare the second fund management server The stored electronic voucher information is consistent with the first electronic voucher information, and the first electronic voucher is received.