WO2017012053A1 - 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
WO2017012053A1
WO2017012053A1 PCT/CN2015/084647 CN2015084647W WO2017012053A1 WO 2017012053 A1 WO2017012053 A1 WO 2017012053A1 CN 2015084647 W CN2015084647 W CN 2015084647W WO 2017012053 A1 WO2017012053 A1 WO 2017012053A1
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WO
WIPO (PCT)
Prior art keywords
seller
electronic voucher
receiving
notification
certificate
Prior art date
Application number
PCT/CN2015/084647
Other languages
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 CA2993071A priority Critical patent/CA2993071C/en
Priority to PCT/CN2015/084647 priority patent/WO2017012053A1/zh
Publication of WO2017012053A1 publication Critical patent/WO2017012053A1/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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment

Definitions

  • the present invention belongs to the field of network payment technologies, and in particular, to a method, device and system for receiving a certificate.
  • An object of embodiments of the present invention is to provide a method, apparatus, and system for receiving a certificate, aiming at solving the problem that a payment by a payer causes a high rate of error payment.
  • 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:
  • the receiving, by the second fund management server, the electronic voucher includes:
  • the generating a notification to be received and transmitting to the corresponding seller includes:
  • the method further includes:
  • the received notification is generated and sent to the first fund management server.
  • the method further includes:
  • a receiving device configured for the second fund management server, includes:
  • a receiving module configured to receive an electronic voucher to be received
  • the first notification module is configured to generate a to-be-certified notification, and send the notification to the corresponding seller, where the seller confirms the receipt;
  • the receiving module is configured to receive the electronic voucher after confirming the receipt by the seller.
  • the receiving module includes:
  • an association unit configured to associate the seller end information with an electronic credential
  • an update unit configured to update the status of the electronic voucher as a received certificate.
  • the first notification module includes:
  • the query unit is configured to query a communication manner of the seller end corresponding to the electronic voucher
  • the sending unit is configured to send the to-be-certified notification to the seller end in a communication manner of the seller.
  • the receiving device further includes a second notification module, and the second notification module is further configured to generate a received notification and send the same to the first fund management server.
  • the method further includes:
  • a verification module configured to verify the authenticity of the electronic voucher.
  • the present invention further provides a receipt system, including a second fund management server and a seller; wherein, the second fund management server receives an electronic voucher to be received; and according to the electronic voucher Generate a notification to be received and send it to the corresponding seller;
  • the seller end is set to confirm the receipt
  • the second fund management server is further configured to receive the electronic voucher after the seller end confirms the receipt.
  • 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 automatically initiates the payment process after receiving the notification of the defamation certificate, and the seller is in the process of receiving the certificate. Need to confirm, reduce the wrong payment rate, effectively reduce the transaction risk of buyers and sellers, and does not require the recipient to initiate the receipt, making the payment process more convenient.
  • 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 a receiving device according to Embodiment 2 of the present invention.
  • FIG. 3 is a structural diagram of a first notification module in a receiving device according to Embodiment 2 of the present invention.
  • FIG. 4 is a structural diagram of a receiving module in a receiving device according to Embodiment 2 of the present invention.
  • Embodiment 5 is a structural diagram of a receipt system provided by 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) goes to the securities institution (ie, the electronic certificate)
  • the fund management agency such as the bank, applies for a certificate.
  • 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 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 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 the funds of the witnesses' accounts, transfers the funds to the collection agency, and the collection agency transfers the funds to the debtor's account.
  • the present invention relates to the buyer side (referring to the client who applies for the establishment of the electronic certificate to the bank); the seller side (refers to the client designated by the certificate holder to accept the funds under the electronic certificate);
  • the server (the server of the bank of the bank) accepts the request of the witness and sets up the electronic certificate according to the information provided and confirmed by it;
  • the second fund management server (the server of the bank receiving the bank) accepts the request of the certificate and provides and The confirmed information receives the electronic voucher.
  • a method for receiving a certificate according to Embodiment 1 of the present invention is applied to a second fund management server, including the steps of:
  • the second fund management server receives the electronic voucher to be received; after the transaction parties form an order, the buyer applies for the certificate to the first fund management server, and the buyer can also apply for a specific transaction order. , or after the transaction order has not been formed, the buyer unilaterally applies for the certificate.
  • the first fund management server accepts, the electronic voucher is established and the corresponding amount of funds or credit line is frozen, and the electricity is established.
  • the sub-voucher is sent to the second money management server.
  • the second fund management server generates a notification to be received according to the electronic voucher, and sends the notification to the corresponding seller for confirmation by the seller.
  • the second fund management server automatically generates a notification to be received after receiving the notification, and the second fund management server queries the seller corresponding to the electronic certificate, and then sends the message through the phone, the mailbox, and/or the software client. The notice of receipt will be sent to the seller, and the seller will confirm whether to accept the certificate.
  • the second fund management server may verify the authenticity of the electronic voucher before generating the notification to be received, and the second fund management server may send an verification request or verify the electronic signature of the electronic voucher to the first fund management server. To verify the authenticity of the electronic voucher.
  • the second fund management server receives the electronic certificate.
  • 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
  • the electronic voucher is registered under the account or identity of the recipient corresponding to the seller, and the seller and the electronic voucher are associated, and the second fund management server updates the status of the electronic voucher as the process of receiving the certificate.
  • step S3 the method further includes the following steps:
  • the second fund management server generates the received notification and sends it to the first fund management server.
  • 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 method for collecting the electronic voucher 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 provides a brand new way of collecting the certificate.
  • the receiving bank automatically initiates the payment process after receiving the notification of the defamation certificate, and provides a brand new way of collecting the certificate.
  • Embodiment 2 of the present invention provides a receiving device for a second fund management server.
  • the apparatus of the second embodiment of the present invention includes:
  • the receiving module 10 is configured to receive an electronic voucher to be certified
  • the verification module 20 is configured to verify the authenticity of the electronic voucher.
  • the first notification module 30 is configured to generate a notification to be received according to the electronic voucher, and send the notification to the corresponding seller for confirmation by the seller.
  • the receiving module 40 is configured to receive the electronic voucher after confirming the receipt by the seller.
  • the first notification module 30 may further include:
  • the query unit 31 is configured to query the communication mode of the seller end corresponding to the electronic voucher
  • the sending unit 32 is configured to send a to-be-certified notification to the seller end in a communication manner of the seller.
  • the certificate receiving module 40 includes:
  • the association unit 41 is configured to associate the seller end information with the electronic credential
  • the updating unit 42 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, and the buyer can also apply for a certificate after forming a specific transaction order, or after the transaction order is not formed, the buyer side unilaterally Proactively apply for a certificate.
  • the first fund management server accepts, the electronic voucher is established and the corresponding amount of funds or credit line is frozen, and the electronic voucher is sent to the second fund management server.
  • the receiving module 10 may first verify the authenticity of the electronic voucher by the verification module 20, and the verification module 20 may send an verification request or verify the electronic signature of the electronic voucher to the first fund management server to verify the electronic voucher. The authenticity.
  • the first notification module 30 generates a notification to be received according to the electronic voucher, and sends the notification to the corresponding seller for confirmation by the seller.
  • the first notification module 30 automatically generates a notification to be received after receiving the notification, and the query unit 31 queries the seller corresponding to the electronic certificate, and then the sending unit 32 passes the phone, the mailbox, and/or the software client. Send a notice of receipt to the seller, and the seller will confirm whether to receive the certificate.
  • the receipt module 40 receives the electronic certificate.
  • Receiving the electronic voucher by the certificate receiving module 40 is actually that the seller side provides the receiving bank with the receiving account or identity, and informs the second fund management server of the The electronic voucher information corresponding to the payment account or the identity, after the first notification module 30 verifies and the acknowledgant confirms, the association unit 41 registers the electronic voucher with the account or identity of the recipient corresponding to the seller, and the update unit 42 updates the status of the electronic voucher. For the process of receiving the certificate.
  • the second embodiment of the present invention may further include a second notification module.
  • the second notification module After the receipt module 40 receives the certificate, the second notification module generates the received notification and sends it to the first fund management server. Thereafter, the electronic certificate enters the performance period, and the recipient performs the performance (for example, the merchant sends the goods). After the certificateee performs the contract, the electronic certificate obtains the performance information, changes the status of the bank letter, and the electronic certificate 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 payment to the first money management server.
  • 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 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 the receiving bank automatically initiates the payment process after receiving the notification of the card, and provides a brand new method for collecting the certificate. It is not necessary for the recipient to initiate the receipt, and the convenient and easy to use, can effectively reduce the transaction risk of the buyer and the seller.
  • the third embodiment of the present invention provides a system for automatically receiving a certificate by the receiving bank.
  • the system of the third embodiment of the present invention includes a second fund management server 200 and a vendor 400;
  • the second money management server 200 receiving the electronic voucher to be received; and generating a receipt notification according to the electronic voucher, and transmitting to the corresponding seller end 400;
  • the seller side 400 is set to confirm the receipt
  • the second money management server 200 is further configured to receive the electronic voucher after the seller confirms the receipt.
  • 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 automatically initiates the payment process after receiving the notification of the defamation certificate, and the seller needs to confirm in the process of receiving the certificate.
  • the error payment rate is reduced, the transaction risk of the buyer and the seller is effectively reduced, and the certificate is not required to initiate the receipt, which makes the payment process more convenient and easy. Therefore, it has industrial applicability.

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Abstract

本发明适用于网络支付技术领域，提供了一种收证方法、装置及系统，所述方法包括如下步骤：接收待收证的电子凭证；生成待收证通知，并发送至对应的卖方端，供所述卖方端确认收证；在所述卖方端确认收证后接收电子凭证。本发明提出的收证的方法、装置及系统方便快捷，可提高网络支付的效率。

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、 装置及系统。
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。 对于收款方来说， 只能被动收款， 也不能拒绝款项入账 或定向收款。
技术问题
[0004] 本发明实施例的目的在于提供一种收证方法、 装置及系统， 旨在解决由付款方 发起支付导致错误支付率高的问题。
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， 用于第二资金管理服务器， 所述 方法包括如下步骤：
[0006] 接收待收证的电子凭证；
[0007] 生成待收证通知， 并发送至对应的卖方端， 供所述卖方端确认收证；
[0008] 在所述卖方端确认收证后接收电子凭证。
[0009] 进一步地， 所述第二资金管理服务器接收电子凭证包括：
[0010] 关联所述卖方端信息与所述电子凭证；
[0011] 更新所述电子凭证的状态为已收证。 [0012] 进一步地， 所述生成待收证通知并发送至对应的卖方端包括：
[0013] 査询所述电子凭证对应的卖方端的通讯方式；
[0014] 通过所述卖方端的通讯方式发送所述待收证通知至所述卖方端。
[0015] 进一步地， 在所述接收电子凭证之后， 还包括：
[0016] 生成已收证通知， 并发送给第一资金管理服务器。
[0017] 进一步地， 在所述接收待收证的电子凭证之后， 还包括：
[0018] 验证所述电子凭证的真伪。
[0019] 一种收证装置， 用于第二资金管理服务器， 包括：
[0020] 接收模块， 设置为接收待收证的电子凭证；
[0021] 第一通知模块， 设置为生成待收证通知， 并发送至对应的卖方端， 供所述卖方 端确认收证;
[0022] 收证模块， 设置为在所述卖方端确认收证后接收电子凭证。
[0023] 进一步地， 所述收证模块包括：
[0024] 关联单元， 设置为关联所述卖方端信息与电子凭证；
[0025] 更新单元， 设置为更新所述电子凭证的状态为已收证。
[0026] 进一步地， 所述第一通知模块包括：
[0027] 査询单元， 设置为査询所述电子凭证对应的卖方端的通讯方式；
[0028] 发送单元， 设置为所述卖方端的通讯方式发送所述待收证通知至所述卖方端。
[0029] 进一步地， 所述收证装置还包括第二通知模块， 所述第二通知模块还设置为生 成已收证通知， 并发送给第一资金管理服务器。
[0030] 进一步地， 还包括：
[0031] 验证模块， 设置为验证所述电子凭证的真伪。
[0032] 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， [0033] 所述第二资金管理服务器， 接收待收证的电子凭证； 以及根据所述电子凭证生 成待收证通知， 并发送至对应的卖方端；
[0034] 所述卖方端， 设置为确认收证；
[0035] 所述第二资金管理服务器还设置为在所述卖方端确认收证后接收电子凭证。
发明的有益效果 有益效果
[0036] 本发明实施例电子凭证的收证的方法、 装置及系统， 应用于电子凭证支付活动 中， 由收证行在收到幵证通知后自动发起支付流程， 且在收证过程中卖方需要 确认， 减少了错误支付率， 有效的降低了买卖双方的交易风险， 且无须收证人 发起收证， 使得支付流程更方便易行。
对附图的简要说明
附图说明
[0037] 图 1是本发明实施例一提供的收证方法的流程图；
[0038] 图 2是本发明实施例二提供的收证装置的结构图；
[0039] 图 3是本发明实施例二提供的收证装置中第一通知模块的结构图；
[0040] 图 4是本发明实施例二提供的收证装置中收证模块的结构图；
[0041] 图 5是本发明实施例三提供的收证系统的结构图。
本发明的实施方式
[0042] 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。
[0043] 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
[0044] 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：
[0045] 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。 ）
[0046] 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。
[0047] 3.收证人 （如卖方） 向收证机构 （如收证银行） 申请收证。
[0048] 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） 。
[0049] 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。
[0050] 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。
[0051] 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。
[0052] 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。
[0053] 本发明涉及买方端 （指幵证人向银行申请幵立电子凭证之客户端） ； 卖方端 （ 指收证人向幵证人指定的接受电子凭证项下资金之客户端） ； 第一资金管理服 务器 （幵证银行之服务器） ， 接受幵证人的请求， 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 （收证银行之服务器） ， 接受收证人的请求， 按其提供和确认的信息接收电子凭证。
[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， 用于第二资金管理服务器 ， 包括步骤：
[0056] Sl、 第二资金管理服务器接收待收证的电子凭证； 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， 买方端也可以在形成具体的交易订单吋申 请幵证， 或在未形成交易订单吋， 买方端单方主动申请幵证。 第一资金管理服 务器受理后， 幵立电子凭证并冻结相应金额的资金或授信额度， 并将幵立的电 子凭证发送至第二资金管理服务器。
[0057] S2、 第二资金管理服务器根据电子凭证生成待收证通知， 并发送至对应的卖方 端， 供卖方端确认收证。 该步骤中， 第二资金管理服务器收到幵证通知后自动 生成待收证通知， 第二资金管理服务器査询该电子凭证对应的卖方端， 然后通 过电话、 邮箱和 /或软件客户端发送待收证通知至卖方端， 由卖方端确认是否收 证。
[0058] 进一步地， 第二资金管理服务器可在生成待收证通知前先验证电子凭证的真伪 ， 第二资金管理服务器可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， 以验证电子凭证的真伪。
[0059] S3、 卖方端确认收证后， 第二资金管理服务器接收电子凭证。 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 务器验证并经收证人确认需要收证后， 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， 步骤 S3之后， 还包括步骤：
[0061] 第二资金管理服务器生成已收证通知， 并发送给第一资金管理服务器。
[0062] 此吋， 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， 由收证行在 收到幵证通知后自动发起支付流程， 提供了一种全新的收证方式， 无须收证人 发起收证， 方便易行的同吋， 可以有效的降低买卖双方的交易风险。
[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， 本发明实施例二的装置包括：
[0066] 接收模块 10， 设置为接收待收证的电子凭证；
[0067] 验证模块 20， 设置为验证电子凭证的真伪。
[0068] 第一通知模块 30， 设置为根据电子凭证生成待收证通知， 并发送至对应的卖方 端， 供卖方端确认收证；
[0069] 收证模块 40， 设置为卖方端确认收证后接收电子凭证。
[0070] 如图 3所示， 第一通知模块 30可进一步包括：
[0071] 査询单元 31， 设置为査询电子凭证对应的卖方端的通讯方式；
[0072] 发送单元 32， 设置为所述卖方端的通讯方式发送待收证通知至所述卖方端。
[0073] 如图 4所示， 收证模块 40包括：
[0074] 关联单元 41， 设置为关联卖方端信息与电子凭证；
[0075] 更新单元 42， 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， 买方 端也可以在形成具体的交易订单吋申请幵证， 或在未形成交易订单吋， 买方端 单方主动申请幵证。 第一资金管理服务器受理后， 幵立电子凭证并冻结相应金 额的资金或授信额度， 并将幵立的电子凭证发送至第二资金管理服务器。
[0077] 接收模块 10接收电子凭证后， 可先由验证模块 20验证电子凭证的真伪， 验证模 块 20可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， 以验 证电子凭证的真伪。
[0078] 第一通知模块 30根据电子凭证生成待收证通知， 并发送至对应的卖方端， 供卖 方端确认收证。 该步骤中， 第一通知模块 30收到幵证通知后自动生成待收证通 知， 査询单元 31査询该电子凭证对应的卖方端， 然后发送单元 32通过电话、 邮 箱和 /或软件客户端发送待收证通知至卖方端， 由卖方端确认是否收证。
[0079] 卖方端确认收证后， 收证模块 40接收电子凭证。 收证模块 40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， 第一通知模块 30验证且收证人确认后， 关联单元 41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 42 更新电子凭证的状态为已收证的过程。
[0080] 进一步地， 本发明实施例二还可包括第二通知模块， 在收证模块 40收证之后， 第二通知模块生成已收证通知， 并发送给第一资金管理服务器。 此吋， 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。
[0081] 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， 由收证行在收到幵证通知后自动发起支付流程， 提供了一种全新的收证方式， 无须收证人发起收证， 方便易行的同吋， 可以有效的降低买卖双方的交易风险
[0082] 实施例三
[0083] 本发明实施例三提出一种收证行自动收证的系统， 如图 5所示， 本发明实施例 三的系统包括第二资金管理服务器 200和卖方端 400; 其中，
[0084] 第二资金管理服务器 200， 接收待收证的电子凭证； 以及根据电子凭证生成待 收证通知， 并发送至对应的卖方端 400;
[0085] 卖方端 400， 设置为确认收证；
[0086] 第二资金管理服务器 200还设置为在卖方端确认收证后接收电子凭证。
[0087] 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
本发明实施例电子凭证的收证的方法、 装置及系统， 应用于电子凭证支付活动 中， 由收证行在收到幵证通知后自动发起支付流程， 且在收证过程中卖方需要 确认， 减少了错误支付率， 有效的降低了买卖双方的交易风险， 且无须收证人 发起收证， 使得支付流程更方便易行。 因此， 具有工业实用性。

Claims

权利要求书
一种收证方法， 用于第二资金管理服务器， 所述方法包括如下步骤： 接收待收证的电子凭证；
生成待收证通知， 并发送至对应的卖方端， 供所述卖方端确认收证； 在所述卖方端确认收证后接收电子凭证。
如权利要求 1所述的收证方法， 其中， 所述第二资金管理服务器接收 电子凭证包括：
关联所述卖方端信息与所述电子凭证；
更新所述电子凭证的状态为已收证。
如权利要求 1所述的收证方法， 其中， 所述生成待收证通知并发送至 对应的卖方端包括：
査询所述电子凭证对应的卖方端的通讯方式；
通过所述卖方端的通讯方式发送所述待收证通知至所述卖方端。 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， 并发送给第一资金管理服务器。
如权利要求 1至 4中任一项所述的收证方法， 其中， 在所述接收待收证 的电子凭证之后， 还包括：
验证所述电子凭证的真伪。
一种收证装置， 用于第二资金管理服务器， 包括：
接收模块， 设置为接收待收证的电子凭证；
第一通知模块， 设置为生成待收证通知， 并发送至对应的卖方端， 供 所述卖方端确认收证；
收证模块， 设置为在所述卖方端确认收证后接收电子凭证。
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已收证。
如权利要求 6所述的收证装置， 其中， 所述第一通知模块包括: 査询单元， 设置为査询所述电子凭证对应的卖方端的通讯方式； 发送单元， 设置为所述卖方端的通讯方式发送所述待收证通知至所述 卖方端。
[权利要求 9] 如权利要求 6所述的收证装置， 其中， 所述收证装置还包括第二通知 模块， 所述第二通知模块还设置为生成已收证通知， 并发送给第一资 金管理服务器。
[权利要求 10] 如权利要求 6至 9中任一项所述的收证装置， 其中， 还包括：
验证模块， 设置为验证所述电子凭证的真伪。
[权利要求 11] 一种收证系统， 包括第二资金管理服务器和卖方端； 其中，
所述第二资金管理服务器， 接收待收证的电子凭证； 以及根据所述电 子凭证生成待收证通知， 并发送至对应的卖方端； 所述卖方端， 设置为确认收证；
所述第二资金管理服务器还设置为在所述卖方端确认收证后接收电子 凭证。
PCT/CN2015/084647 2015-07-21 2015-07-21 收证方法、装置及系统 WO2017012053A1 (zh)

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Publication number Priority date Publication date Assignee Title
US20020004780A1 (en) * 2000-03-30 2002-01-10 Hideyuki Mizuta On-line transaction system, transaction method for on-line shopping, and server and vender terminals
WO2009058009A1 (en) * 2007-10-30 2009-05-07 Nederlandse Organisatie Voor Toegepast-Natuurwetenschappelijk Onderzoek Tno Electronic payments using mobile communication devices
CN102930469A (zh) * 2012-11-13 2013-02-13 中国民生银行股份有限公司 转账数据处理方法和装置
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