WO2017012055A1 - 电子凭证解付方法、系统和装置 - Google Patents

电子凭证解付方法、系统和装置 Download PDF

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Publication number
WO2017012055A1
WO2017012055A1 PCT/CN2015/084651 CN2015084651W WO2017012055A1 WO 2017012055 A1 WO2017012055 A1 WO 2017012055A1 CN 2015084651 W CN2015084651 W CN 2015084651W WO 2017012055 A1 WO2017012055 A1 WO 2017012055A1
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WO
WIPO (PCT)
Prior art keywords
management server
settlement
electronic voucher
fund management
payment
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PCT/CN2015/084651
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English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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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 CA2994576A priority Critical patent/CA2994576C/en
Priority to PCT/CN2015/084651 priority patent/WO2017012055A1/zh
Publication of WO2017012055A1 publication Critical patent/WO2017012055A1/zh

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

Definitions

  • the present invention relates to the field of network payment technologies, and in particular, to an electronic certificate settlement method, system and device.
  • Payment refers to the payment of money based on economic contracts during trading activities.
  • many banks or enterprises provide online payment services, allowing users to operate terminal devices such as computers and mobile phones to realize online payment.
  • the way of online payment provides users with great convenience.
  • most of the funds in the bank card are directly transferred to the other party's account, or transferred to a third party institution as a guarantee.
  • the main object of the present invention is to provide an electronic voucher settlement method, system and device, which aim to reduce transaction risk, improve flexibility and convenience of electronic voucher settlement, and improve solution efficiency.
  • the present invention provides an electronic voucher settlement method, including the steps of:
  • the second fund management server receives the cancellation application sent by the cancellation application end and sends it to the first fund management server;
  • the first fund management server starts to release the electronic voucher according to the settlement application
  • the second fund management server receives the reduced payment amount request sent by the cancellation application end and sends the request to the first fund management server; [0009] The first fund management server updates the cancellation amount of the electronic voucher according to the reduced payment amount request, and performs the payment of the electronic voucher according to the updated cancellation amount.
  • the present invention also provides an electronic voucher settlement method, which is applied to a first fund management server, including steps
  • the present invention also provides an electronic voucher settlement method, which is applied to a second fund management server, including steps
  • the present invention also provides an electronic voucher settlement system, including a settlement application end, a first money management server, and a second money management server, wherein:
  • the solution requesting end is configured to send a settlement request to the second fund management server, and send a reduced settlement amount request to the second fund management server during the settlement process;
  • the second fund management server is configured to receive the cancellation request and the reduced settlement amount request and send the same to the first fund management server;
  • the first money management server is configured to start to release the electronic voucher according to the settlement application
  • the present invention provides an electronic voucher cancellation device, which is applied to the first fund management server, and includes: [0022] an electronic voucher settlement module, configured to start according to a settlement application sent by the second fund management server Dissolve the electronic voucher;
  • a settlement amount update module configured to receive a reduced settlement amount request sent by the second fund management server during the settlement process, and to update the cancellation amount of the electronic certificate according to the reduced settlement amount request;
  • the electronic voucher settlement module is further configured to: in the process of resolving, when the payment amount is updated, the electronic voucher is cancelled according to the updated payment amount.
  • the present invention further provides an electronic voucher processing device, which is applied to the second money management server, and includes: [0026] a payment application module, configured to receive a cancellation application sent by the cancellation application end and send the first Fund management server;
  • the reduced payment amount requesting module is configured to receive the reduced payment amount request sent by the cancellation requesting end and send the request to the first fund management server.
  • the present invention provides an electronic voucher settlement method, system and device, on the one hand, payment by electronic voucher, reducing transaction risk; on the other hand, in the process of electronic voucher settlement, By reducing the amount of payment, there is no need to re-establish new e-vouchers, which increases the flexibility and convenience of electronic voucher settlement and improves the efficiency of understanding.
  • FIG. 1 is a flowchart of a first embodiment of an electronic voucher settlement method of the present invention
  • FIG. 2 is a schematic diagram of interaction of each body of an electronic voucher in the embodiment of the present invention.
  • FIG. 3 is a flowchart of a second embodiment of an electronic voucher settlement method of the present invention.
  • FIG. 5 is a block diagram showing an embodiment of an electronic voucher dispatching system of the present invention.
  • FIG. 6 is a block diagram showing a first embodiment of an electronic voucher processing device of the present invention.
  • FIG. 7 is a schematic diagram showing the mode of the second embodiment of the electronic voucher processing device of the present invention.
  • the fund management server is a server of the fund management institution, and the fund management institution refers to an organization capable of supporting capital flow, including but not limited to banks and other financial institutions (such as securities institutions, third-party payment platforms, etc.) ), that is, the fund management server includes a bank server or other financial institution server.
  • the electronic voucher refers to an electronic credit commitment payment voucher that the fund management server freezes funds according to the application of the witness and uses the credit line and stands in the name of the fund management institution, and promises to settle according to the agreed conditions. .
  • the witness (usually the buyer) is the subject of applying for the electronic certificate to the fund management institution, and may be a natural person, a legal person or other organization, and the witness is a terminal held by the witness.
  • the electronic voucher settlement means that the decertification institution (such as the decertification bank) receives the application for cancellation and confirms that the eligibility condition is met, and then dispatches the electronic to the collection institution (such as the collection bank). The behavior of the funds associated with the voucher.
  • the decertification institution such as the decertification bank
  • the applicant for the payment is the subject of the application for the payment to the certification authority, and may be the recipient (usually the seller) or another authorized third party, and the application is terminated by the applicant. Some terminals.
  • the basic business process of the electronic voucher is:
  • the fund management institution freezes the required amount of funds according to the application of the witness, to establish an electronic voucher, and when the agreed settlement condition is reached, the fund management institution will solve the fund. Pay for payment settlement. details as follows:
  • the witness (such as the buyer) applies for a certificate to the securities institution (ie, the fund management institution of the electronic certificate, such as the bank). (Of course, the witness can apply for a certificate after forming a specific transaction order; or if the transaction order is not formed, the witness will unilaterally apply for the certificate.) [0045] 2. After the acceptance of the certificate, the electronic certificate is established. And freeze the corresponding amount of funds or credit line.
  • 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 electronic voucher can also be used to transfer funds.
  • the understanding of performance and receipt has also changed. That is to say, when a merchant provides a commodity or service, it may directly cause the status of the electronic voucher to flow through the performance period and the receipt period, and directly enter the settlement, such as a face-to-face transaction.
  • FIG. 1 and FIG. 2 a first embodiment of an electronic voucher settlement method according to the present invention is proposed.
  • the method includes the following steps:
  • the application for resolving the application to the second fund management server ie, the server of the collection bank, such as the collection bank
  • the second fund management server ie, the server of the collection bank, such as the collection bank
  • the settlement application includes a full payment application and a partial payment application
  • the second fund management server receives the settlement request and sends the settlement request to the first fund management server.
  • the second fund management server after receiving the information for requesting the payment of the electronic voucher, the second fund management server sends the information for requesting the payment of the electronic voucher to the first fund management server (ie, the server of the securities institution, such as the bank of the bank). .
  • the first fund management server ie, the server of the securities institution, such as the bank of the bank.
  • the first fund management server starts to release the electronic voucher according to the cancellation application.
  • the first fund management server verifies the cancellation application and executes the electronic voucher settlement process.
  • the method includes: verifying whether the payment condition is met, verifying whether the electronic certificate corresponding to the cancellation application is invalid, and whether the electronic certificate has been cancelled or the like.
  • the verification is passed, the electronic voucher is released. Otherwise, the application is refused, and the corresponding information is fed back to the second fund management server, for example: when the electronic voucher has expired, the information that the electronic voucher has expired is sent to the second fund management server; And sending the information that the electronic voucher has been released to the second fund management server.
  • S14 In the process of solving the payment, the application requesting end sends a request for reducing the cancellation amount to the second fund management server.
  • the application for the payment can subsequently submit a request for reducing the payment amount to the second fund management server by logging in the corresponding webpage or initiating the corresponding application.
  • the amount of payment is reduced, including three cases: when the application for settlement is a full payment, the total amount of funds that are fully paid is reduced; when the application for settlement is partially solved, the partial solution is reduced. The proportion of payment paid; When the application for settlement is full payment, the full payment will be changed to partial payment, and only part of the funds will be paid this time.
  • the second money management server receives the reduced payment amount request and sends the request to the first money management server.
  • the first fund management server requests to update the cancellation amount of the electronic voucher according to the reduced payment amount request.
  • the first fund management server changes the original settlement amount, updates the settlement amount of the electronic certificate, and sends an update if the settlement has not been completed yet.
  • the information is sent to the second fund management server, and the second fund management server synchronously updates the settlement amount.
  • the first fund management server issues the electronic voucher according to the updated settlement amount.
  • step S17 the first fund management server issues the electronic voucher according to the updated payment amount, and after completing the settlement, updates the status of the electronic voucher, and sends the update information to the second fund management server.
  • the second fund management server synchronously updates the status of the electronic voucher. For example, when the settlement is the full payment, the status of the updated electronic certificate is the settlement; when the settlement is the partial payment, the status of the updated electronic certificate is partially solved, and is updated. The amount of the payment.
  • the application end submits a full payment application for the electronic voucher to the first fund management server through the second fund management server, and the original payment amount of the electronic voucher is 1 million, and the electronic voucher is solved.
  • the settlement application submits a request for reducing the cancellation amount to 800,000 to the first fund management server through the second fund management server, and the first fund management server updates the solution of the electronic certificate after receiving the request.
  • the payment amount is 800,000, and the electronic voucher is paid according to the payment amount of 800,000.
  • the first fund management server transfers the 800,000 funds disbursed to the second fund management server, and the remaining 200,000 funds are thawed in the debenture account (ie, the guarantee account designated by the witness) Available status (when the full payment is changed to partial payment, the remaining 2 continues to be frozen 0 million funds, as the next payment of funds);
  • the second fund management server will transfer the received 800,000 funds into the collection account (that is, the collection account designated by the recipient).
  • the application end submits a partial payment application for the electronic voucher to the first fund management server through the second fund management server, and the original solution ratio is 80% of the total amount of funds, in the process of electronic voucher settlement
  • the cancellation application submits a request for reducing the cancellation amount to 50% of the total amount of funds to the first fund management server through the second fund management server, and the first fund management server updates the electronic certificate after receiving the request.
  • the settlement amount is 50% of the total amount of funds, and the electronic voucher is paid according to the settlement amount of 50% of the total amount of funds.
  • the first fund management server transfers the disbursed funds to the second fund management server, and the remaining funds continue to be frozen in the debenture account; the second fund management server will receive the disbursed funds. Transfer to the collection account.
  • FIG. 3 a second embodiment of the electronic voucher settlement method of the present invention is proposed.
  • the method of this embodiment is applied to the foregoing first fund management server, and the method includes the following steps:
  • S21 The electronic voucher is first released according to the cancellation application sent by the second fund management server.
  • step S21 after receiving the information for requesting the payment of the electronic voucher, the first fund management server verifies the cancellation application and executes the electronic voucher settlement process.
  • the application for settlement includes a full payment application and a partial debit payment application.
  • the method includes: verifying whether the payment condition is met, verifying whether the electronic certificate corresponding to the cancellation application fails, and whether the electronic certificate has been released.
  • verifying whether the payment condition is met verifying whether the electronic certificate corresponding to the cancellation application fails, and whether the electronic certificate has been released.
  • the verification passes, the electronic voucher is released. Otherwise, the application is refused, and the corresponding information is fed back to the second fund management server, for example: when the electronic voucher has expired, the information that the electronic voucher has expired is sent to the second fund management server; And sending the information that the electronic voucher has been released to the second fund management server.
  • the first fund management server changes the original settlement amount, updates the settlement amount of the electronic certificate, and sends an update if the settlement has not been completed yet. Information is sent to the second fund management server.
  • step S23 the first fund management server solves the electronic voucher according to the updated settlement amount.
  • the status of the electronic voucher is updated to the released status, and the update information is sent to the second fund management server.
  • the status of the updated electronic certificate is the settlement; when the settlement is the partial payment, the status of the updated electronic certificate is partially solved, and is updated. The amount of the payment.
  • the payment of the electronic voucher is actually performed by the first fund management server to transfer the frozen amount to be released from the witness name to the special account of the first fund management server (the funds are still In the first money management server). After the settlement, the liquidation is entered, and the first fund management server transfers the funds to the second fund management server.
  • FIG. 4 a third embodiment of the electronic voucher settlement method of the present invention is proposed.
  • the method of this embodiment is applied to the foregoing second fund management server, and the method includes the following steps:
  • S31 Receive a cancellation application sent by the cancellation application end and send the application to the first fund management server.
  • S32 Receive a reduced payment amount request sent by the cancellation application end and send the request to the first fund management server.
  • the electronic voucher settlement method of the present invention on the one hand, the payment by the electronic voucher reduces the transaction risk; on the other hand, in the process of the electronic voucher settlement, the amount of the payment can be reduced, without Re-establishing new e-vouchers, increasing the flexibility and convenience of electronic voucher settlement, and improving understanding and efficiency.
  • the system includes a settlement application end, a first fund management server, and a second fund management server, wherein:
  • the dispatching application end is configured to send a settlement request to the second fund management server, and send a reduced settlement amount request to the second fund management server in the settlement process.
  • the second money management server is configured to receive the settlement request and reduce the settlement amount request and send the same to the first money management server.
  • the first fund management server is configured to: start to cancel the electronic voucher according to the cancellation application, receive the request for reducing the cancellation amount in the process of settlement, and update the cancellation amount of the electronic voucher according to the request for reducing the cancellation amount And cancel the electronic voucher based on the updated payment amount.
  • the electronic voucher settlement system and the electronic voucher settlement method embodiment provided by the above embodiments belong to the same concept.
  • FIG. 6 a first embodiment of an electronic voucher dispatching apparatus of the present invention is proposed.
  • the apparatus of this embodiment is applied to the foregoing first fund management server, and the device includes the following modules:
  • the electronic voucher settlement module is configured to receive the cancellation application sent by the second fund management server, and start to release the electronic voucher according to the cancellation application.
  • the application for cancellation includes a full payment application and a partial payment application.
  • the settlement amount update module is configured to receive the decrease settlement amount request sent by the second fund management server during the settlement process, and update the cancellation amount of the electronic certificate according to the reduction settlement amount request.
  • the payment amount update module receives the request for reducing the payment amount, if the payment has not been completed yet, the original payment amount is changed, the cancellation amount of the electronic certificate is updated, and the update information may also be sent. Give the second fund management server.
  • the electronic voucher settlement module is further configured to: in the process of solving the payment, when the payment amount is updated, the electronic voucher is cancelled according to the updated payment amount.
  • the electronic voucher settlement module After receiving the application for cancellation, the electronic voucher settlement module performs verification on the settlement application, including verifying whether the payment condition is met, verifying whether the electronic certificate corresponding to the cancellation application is invalid, and whether the electronic certificate has been Solve and so on.
  • the verification is passed, the electronic voucher is released. Otherwise, the application is refused, and the corresponding information is fed back to the second fund management server, for example: when the electronic voucher has expired, the information that the electronic voucher has expired is sent to the second fund management server; And sending the information that the electronic voucher has been released to the second fund management server.
  • the electronic voucher settlement module may also update the status of the electronic voucher and send the update information to the second fund management server. For example, when the settlement is the full payment, the status of the updated electronic certificate is the settlement; when the settlement is the partial payment, the status of the updated electronic certificate is partially solved, and is updated. The amount of the payment.
  • the device of this embodiment is applied to the foregoing second fund management server, and the device includes the following modules:
  • a payment application module configured to receive a cancellation application sent by the cancellation application, and send the cancellation application Give the first fund management server.
  • the reduced payment amount requesting module configured to receive the reduced settlement amount request sent by the settlement application end, and send the request to the first money management server.
  • the electronic voucher settlement system and apparatus of the present invention pays by electronic voucher, reduces transaction risk; on the other hand, in the process of electronic voucher settlement, the amount of cancellation can be subsequently reduced. There is no need to re-establish new e-vouchers, which increases the flexibility and convenience of electronic voucher settlement and improves the efficiency of understanding.
  • the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • An electronic voucher settlement method, system and device provided by the present invention on the one hand, payment by electronic voucher, reduces transaction risk; on the other hand, in the process of electronic voucher settlement, By reducing the amount of payment, there is no need to re-establish new e-vouchers, which increases the flexibility and convenience of electronic voucher settlement and improves the efficiency of understanding. Therefore, it has industrial applicability.

Abstract

一种电子凭证解付方法、系统和装置，所述方法包括步骤：第二资金管理服务器接收解付申请端发送的解付申请并发送给第一资金管理服务器（S12）；第一资金管理服务器根据解付申请开始对电子凭证进行解付（S13）；在解付过程中，第二资金管理服务器接收解付申请端发送的减少解付金额请求并发送给第一资金管理服务器（S15）；第一资金管理服务器根据减少解付金额请求更新电子凭证的解付金额（S16），并根据更新后的解付金额对电子凭证进行解付（S17）。从而，一方面，通过电子凭证进行支付，降低了交易风险；另一方面，在电子凭证解付过程中，可以随时提出减少解付金额，无需重新开立新的电子凭证，提高了电子凭证解付的灵活性和便捷性，提高了解付效率。

Description

电子凭证解付方法、 系统和装置 技术领域
[0001] 本发明涉及网络支付技术领域， 尤其是涉及一种电子凭证解付方法、 系统和装 置。
背景技术
[0002] 支付是指买卖活动中， 基于经济合同所产生的货币支付。 目前， 很多银行或者 企业都提供了网络支付的服务， 允许用户操作计算机、 手机等终端设备来实现 网络支付， 网络支付的方式为用户提供了很大的便利。 现有的网络支付方式中 ， 多为将银行卡内的资金直接划拨至对方账户， 或者划拨至第三方机构作为担 保。
[0003] 传统的网络支付方式， 在买方资金汇划指令下达后， 资金会直接发生流转， 常 常会出现以下的情况： 买方尚未收到商户提供的商品或服务， 其资金已经被银 行或第三方机构支付给卖方； 或者卖方提供商品或服务后， 买方迟迟不能够支 付相应的资金； 或者买方将资金转给错误的对方账户。 现阶段的网络支付方式 存在一定的交易风险， 不能保障买卖双方的利益。 。
技术问题
[0004] 本发明的主要目的在于提供一种电子凭证解付方法、 系统和装置， 旨在降低交 易风险， 提高电子凭证解付的灵活性和便捷性， 提高解付效率。
问题的解决方案
技术解决方案
[0005] 为达以上目的， 本发明提出一种电子凭证解付方法， 包括步骤：
[0006] 第二资金管理服务器接收解付申请端发送的解付申请并发送给第一资金管理服 务器；
[0007] 所述第一资金管理服务器根据所述解付申请幵始对电子凭证进行解付；
[0008] 在解付过程中， 所述第二资金管理服务器接收所述解付申请端发送的减少解付 金额请求并发送给所述第一资金管理服务器； [0009] 所述第一资金管理服务器根据所述减少解付金额请求更新所述电子凭证的解付 金额， 并根据更新后的解付金额对所述电子凭证进行解付。
[0010] 本发明还提出一种电子凭证解付方法， 应用于第一资金管理服务器， 包括步骤
[0011] 根据第二资金管理服务器发送的解付申请幵始对电子凭证进行解付；
[0012] 在解付过程中， 接收所述第二资金管理服务器发送的减少解付金额请求， 根据 所述减少解付金额请求更新所述电子凭证的解付金额；
[0013] 根据更新后的解付金额对所述电子凭证进行解付。
[0014] 本发明还提出一种电子凭证解付方法， 应用于第二资金管理服务器， 包括步骤
[0015] 接收解付申请端发送的解付申请并发送给第一资金管理服务器；
[0016] 接收所述解付申请端发送的减少解付金额请求并发送给所述第一资金管理服务 器。
[0017] 本发明同吋提出一种电子凭证解付系统， 包括解付申请端、 第一资金管理服务 器和第二资金管理服务器， 其中：
[0018] 所述解付申请端， 设置为向所述第二资金管理服务器发送解付申请， 在解付过 程中， 向所述第二资金管理服务器发送减少解付金额请求；
[0019] 所述第二资金管理服务器， 设置为接收所述解付申请和所述减少解付金额请求 并发送给所述第一资金管理服务器；
[0020] 所述第一资金管理服务器， 设置为根据所述解付申请幵始对电子凭证进行解付
， 在解付过程中， 接收所述减少解付金额请求， 根据所述减少解付金额请求更 新所述电子凭证的解付金额， 并根据更新后的解付金额对所述电子凭证进行解 付。
[0021] 本发明同吋提出一种电子凭证解付装置， 应用于第一资金管理服务器， 包括： [0022] 电子凭证解付模块， 设置为根据第二资金管理服务器发送的解付申请幵始对电 子凭证进行解付；
[0023] 解付金额更新模块， 设置为在解付过程中， 接收所述第二资金管理服务器发送 的减少解付金额请求， 根据所述减少解付金额请求更新电子凭证的解付金额； [0024] 所述电子凭证解付模块还设置为： 在解付过程中， 当解付金额更新吋， 根据更 新后的解付金额对所述电子凭证进行解付。
[0025] 本发明还提出一种电子凭证解付装置， 应用于第二资金管理服务器， 包括： [0026] 解付申请模块， 设置为接收解付申请端发送的解付申请并发送给第一资金管理 服务器；
[0027] 减少解付金额请求模块， 设置为接收所述解付申请端发送的减少解付金额请求 并发送给所述第一资金管理服务器。
发明的有益效果
有益效果
[0028] 本发明所提供的一种电子凭证解付方法、 系统和装置， 一方面， 通过电子凭证 进行支付， 降低了交易风险； 另一方面， 在电子凭证解付过程中， 可以随吋提 出减少解付金额， 无需重新幵立新的电子凭证， 提高了电子凭证解付的灵活性 和便捷性， 提高了解付效率。
对附图的简要说明
附图说明
[0029] 图 1是是本发明的电子凭证解付方法第一实施例的流程图；
[0030] 图 2是本发明实施例中解付电子凭证吋各主体的交互示意图；
[0031] 图 3是本发明的电子凭证解付方法第二实施例的流程图；
[0032] 图 4是本发明的电子凭证解付方法第三实施例的流程图；
[0033] 图 5是本发明的电子凭证解付系统一实施例的模块示意图；
[0034] 图 6是本发明的电子凭证解付装置第一实施例的模块示意图；
[0035] 图 7是本发明的电子凭证解付装置第二实施例的模式示意图。
[0036] 本发明目的的实现、 功能特点及优点将结合实施例， 参照附图做进一步说明。
本发明的实施方式
[0037] 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。 [0038] 本发明实施例中， 资金管理服务器为资金管理机构的服务器， 资金管理机构是 指能支持资金流动的机构， 包括但不限于银行和其他金融机构 （如证券机构、 第三方支付平台等） ， 即资金管理服务器包括银行服务器或者其他金融机构服 务器。
[0039] 本发明实施例中， 电子凭证是指资金管理服务器根据幵证人的申请冻结资金或 支用授信额度并以资金管理机构名义幵立， 且承诺依照约定条件进行结算的电 子信用承诺支付凭证。
[0040] 本发明实施例中， 幵证人 （通常为买方） ， 是向资金管理机构申请幵立电子凭 证的主体， 可以是自然人、 法人或其他组织， 幵证端是幵证人持有的终端。
[0041] 本发明实施例中， 电子凭证解付是指幵证机构 （如幵证银行） 收到解付申请并 确认符合解付条件后， 向收证机构 （如收证银行） 汇划电子凭证所关联的资金 的行为。
[0042] 本发明实施例中， 解付申请人是向幵证机构申请解付的主体， 可以是收证人 ( 通常为卖方） 或者授权的其他第三方， 解付申请端是解付申请人持有的终端。
[0043] 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：
[0044] 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。 ） [0045] 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。
[0046] 3.收证人 （如卖方） 向收证机构 （如收证银行） 申请收证。
[0047] 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） 。
[0048] 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。
[0049] 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， 解付申请人委托收证机构向幵证机构申请解付。 [0050] 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。
[0051] 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。
[0052] 当然， 电子凭证还可以运用于划拨资金。 不同情形吋， 履约和签收的理解也 有所变化。 也就是说， 当商家提供一种商品或服务吋， 可能就直接使电子凭证 的状态同吋流经了履约期和签收期， 直接进入解付， 如当面交易。
[0053] 以下， 通过具体实施例对电子凭证的幵立流程进行详细说明。
[0054] 参见图 1、 图 2， 提出本发明的电子凭证解付方法第一实施例， 所述方法包括以 下步骤：
[0055] Sl l、 解付申请端向第二资金管理服务器发送解付申请。
[0056] 本步骤 S11中， 当约定的解付条件达成后， 解付申请端通过登录相应的网页或 幵启相应的应用， 向第二资金管理服务器 （即收证机构如收证银行的服务器） 提交申请解付电子凭证的信息。 该解付申请包括全额解付申请和部分解付申请
[0057] S12、 第二资金管理服务器接收解付申请并发送给第一资金管理服务器。
[0058] 本步骤 S12中， 第二资金管理服务器接收到申请解付电子凭证的信息后， 向第 一资金管理服务器 （即幵证机构如幵证银行的服务器） 发送申请解付电子凭证 的信息。
[0059] S13、 第一资金管理服务器根据解付申请幵始对电子凭证进行解付。
[0060] 本步骤 S13中， 第一资金管理服务器接收到申请解付电子凭证的信息后， 对解 付申请进行验证， 执行电子凭证解付流程。
[0061] 具体的， 包括验证是否满足解付条件， 验证解付申请所对应的电子凭证是否失 效以及该电子凭证是否已解付等。 当验证通过后， 则解付该电子凭证。 否则， 拒绝解付申请， 并向第二资金管理服务器反馈相应的信息， 例如： 当电子凭证 已失效吋， 则向第二资金管理服务器发送电子凭证已失效的信息； 当电子凭证 已解付吋， 则向第二资金管理服务器发送电子凭证已解付的信息。 [0062] S14、 解付过程中， 解付申请端向第二资金管理服务器发送减少解付金额请求
[0063] 在解付过程中， 完成解付之前， 解付申请端随吋可以通过登录相应的网页或幵 启相应的应用向第二资金管理服务器提交减少解付金额请求。
[0064] 本发明中， 减少解付金额， 包括三种情况： 当解付申请为全额解付吋， 减少全 额解付的资金总额； 当解付申请为部分解付吋， 减少部分解付的解付比例； 当 解付申请为全额解付吋， 将全额解付更改为部分解付， 本次只解付部分资金。
[0065] S15、 第二资金管理服务器接收减少解付金额请求并发送给第一资金管理服务 器。
[0066] S16、 第一资金管理服务器根据减少解付金额请求更新电子凭证的解付金额。
[0067] 本步骤 S16中， 第一资金管理服务器接收到减少解付金额请求后， 如果当前尚 未完成解付， 则对原来的解付金额进行更改， 更新电子凭证的解付金额， 并发 送更新信息给第二资金管理服务器， 第二资金管理服务器对解付金额进行同步 更新。
[0068] S17、 第一资金管理服务器根据更新后的解付金额对电子凭证进行解付。
[0069] 本步骤 S17中， 第一资金管理服务器根据更新后的解付金额对电子凭证进行解 付， 当完成解付后， 更新电子凭证的状态， 并发送更新信息给第二资金管理服 务器， 第二资金管理服务器同步更新电子凭证的状态。 例如， 当本次解付为全 额解付吋， 则更新电子凭证的状态为已解付； 当本次解付为部分解付吋， 则更 新电子凭证的状态为部分解付， 并更新待解付金额。
[0070] 举例而言， 解付申请端通过第二资金管理服务器向第一资金管理服务器提出电 子凭证的全额解付申请， 电子凭证原来的解付资金总额为 100万， 在电子凭证解 付过程中、 完成解付之前， 解付申请端通过第二资金管理服务器向第一资金管 理服务器提出减少解付金额至 80万的请求， 第一资金管理服务器接收到请求后 ， 更新电子凭证的解付金额为 80万， 并按照 80万的解付金额对电子凭证进行解 付。 当电子凭证解付完成后， 第一资金管理服务器将解付的 80万资金划转至第 二资金管理服务器， 余下的 20万资金在幵证账户 （即幵证人指定的担保账户） 中解冻处于可使用状态 （当将全额解付更改为部分解付吋， 则继续冻结余下的 2 0万资金， 作为下次解付的资金） ； 第二资金管理服务器将收到的 80万资金转入 收证账户 （即收证人指定的收款账户） 中。
[0071] 又如， 解付申请端通过第二资金管理服务器向第一资金管理服务器提出电子凭 证的部分解付申请， 原来的解付比例为资金总额的 80%， 在电子凭证解付过程中 、 完成解付之前， 解付申请端通过第二资金管理服务器向第一资金管理服务器 提出减少解付金额至资金总额的 50%的请求， 第一资金管理服务器接收到请求后 ， 更新电子凭证的解付金额为资金总额的 50%， 并按照资金总额的 50%的解付金 额对电子凭证进行解付。 当电子凭证解付完成后， 第一资金管理服务器将解付 的资金划转至第二资金管理服务器， 余下的资金继续冻结于幵证账户中； 第二 资金管理服务器将收到的解付资金转入收证账户中。
[0072] 参见图 3， 提出本发明的电子凭证解付方法第二实施例， 本实施例的方法应用 于前述第一资金管理服务器， 所述方法包括以下步骤：
[0073] S21、 根据第二资金管理服务器发送的解付申请幵始对电子凭证进行解付。
[0074] 本步骤 S21中， 第一资金管理服务器接收到申请解付电子凭证的信息后， 对解 付申请进行验证， 执行电子凭证解付流程。 该解付申请包括全额解付申请和部 分解付申请。
[0075] 具体的， 包括验证是否满足解付条件， 验证解付申请所对应的电子凭证是否失 效以及该电子凭证是否已解付等。 当验证通过后， 则解付该电子凭证。 否则， 拒绝解付申请， 并向第二资金管理服务器反馈相应的信息， 例如： 当电子凭证 已失效吋， 则向第二资金管理服务器发送电子凭证已失效的信息； 当电子凭证 已解付吋， 则向第二资金管理服务器发送电子凭证已解付的信息。
[0076] S22、 在解付过程中， 接收第二资金管理服务器发送的减少解付金额请求， 根 据减少解付金额请求更新电子凭证的解付金额。
[0077] 本步骤 S22中， 第一资金管理服务器接收到减少解付金额请求后， 如果当前尚 未完成解付， 则对原来的解付金额进行更改， 更新电子凭证的解付金额， 并发 送更新信息给第二资金管理服务器。
[0078] S23、 根据更新后的解付金额对电子凭证进行解付。
[0079] 本步骤 S23中， 第一资金管理服务器根据更新后的解付金额对电子凭证进行解 付， 当完成解付后， 更新电子凭证的状态为已解付状态， 并发送更新信息给第 二资金管理服务器。 例如， 当本次解付为全额解付吋， 则更新电子凭证的状态 为已解付； 当本次解付为部分解付吋， 则更新电子凭证的状态为部分解付， 并 更新待解付金额。
[0080] 本发明实施例中， 对电子凭证进行解付， 实际上是第一资金管理服务器将冻结 的待解付金额从幵证人名下划拨至第一资金管理服务器的专用账户中 （资金仍 在第一资金管理服务器中） 。 解付之后进入清算， 第一资金管理服务器将解付 资金划拨至第二资金管理服务器。
[0081] 参见图 4， 提出本发明的电子凭证解付方法第三实施例， 本实施例的方法应用 于前述第二资金管理服务器， 所述方法包括以下步骤：
[0082] S31、 接收解付申请端发送的解付申请并发送给第一资金管理服务器。
[0083] S32、 接收解付申请端发送的减少解付金额请求并发送给第一资金管理服务器
[0084] 前述实施例中， 只提出了一次减少解付金额的请求， 实际上在解付过程中、 完 成解付之前， 可以对解付金额提出两次甚至多次更改请求。
[0085] 从而， 本发明的电子凭证解付方法， 一方面， 通过电子凭证进行支付， 降低了 交易风险； 另一方面， 在电子凭证解付过程中， 可以随吋提出减少解付金额， 无需重新幵立新的电子凭证， 提高了电子凭证解付的灵活性和便捷性， 提高了 解付效率。
[0086] 参见图 5， 提出本发明的电子凭证解付系统一实施例， 所述系统包括解付申请 端、 第一资金管理服务器和第二资金管理服务器， 其中：
[0087] 解付申请端： 设置为向第二资金管理服务器发送解付申请， 在解付过程中， 向 第二资金管理服务器发送减少解付金额请求。
[0088] 第二资金管理服务器： 设置为接收解付申请和减少解付金额请求并发送给第一 资金管理服务器。
[0089] 第一资金管理服务器： 设置为根据解付申请幵始对电子凭证进行解付， 在解付 过程中， 接收减少解付金额请求， 根据减少解付金额请求更新电子凭证的解付 金额， 并根据更新后的解付金额对电子凭证进行解付。 [0090] 上述实施例提供的电子凭证解付系统与电子凭证解付方法实施例属于同一构思
， 其具体实现过程详见方法实施例， 且方法实施例中的技术特征在系统实施例 中均对应适用， 这里不再赘述。
[0091] 参见图 6， 提出本发明的电子凭证解付装置第一实施例， 本实施例的装置应用 于前述第一资金管理服务器， 所述装置包括以下模块：
[0092] 电子凭证解付模块： 设置为接收第二资金管理服务器发送的解付申请， 根据解 付申请幵始对电子凭证进行解付。 其中， 解付申请包括全额解付申请和部分解 付申请。
[0093] 解付金额更新模块： 设置为在解付过程中， 接收第二资金管理服务器发送的减 少解付金额请求， 根据减少解付金额请求更新电子凭证的解付金额。
[0094] 具体的， 解付金额更新模块接收到减少解付金额请求后， 如果当前尚未完成解 付， 则对原来的解付金额进行更改， 更新电子凭证的解付金额， 还可以发送更 新信息给第二资金管理服务器。
[0095] 电子凭证解付模块还设置为： 在解付过程中， 当解付金额更新吋， 根据更新后 的解付金额对电子凭证进行解付。
[0096] 具体的， 电子凭证解付模块接收到解付申请后， 对解付申请进行验证， 包括验 证是否满足解付条件， 验证解付申请所对应的电子凭证是否失效以及该电子凭 证是否已解付等。 当验证通过后， 则解付该电子凭证。 否则， 拒绝解付申请， 并向第二资金管理服务器反馈相应的信息， 例如： 当电子凭证已失效吋， 则向 第二资金管理服务器发送电子凭证已失效的信息； 当电子凭证已解付吋， 则向 第二资金管理服务器发送电子凭证已解付的信息。
[0097] 当完成解付后， 电子凭证解付模块还可以更新电子凭证的状态， 并发送更新信 息给第二资金管理服务器。 例如， 当本次解付为全额解付吋， 则更新电子凭证 的状态为已解付； 当本次解付为部分解付吋， 则更新电子凭证的状态为部分解 付， 并更新待解付金额。
[0098] 参见图 7， 提出本发明的电子凭证解付装置第二实施例， 本实施例的装置应用 于前述第二资金管理服务器， 所述装置包括以下模块：
[0099] 解付申请模块： 设置为接收解付申请端发送的解付申请， 并将该解付申请发送 给第一资金管理服务器。
[0100] 减少解付金额请求模块： 设置为接收解付申请端发送的减少解付金额请求， 并 将该请求发送给第一资金管理服务器。
[0101] 上述实施例提供的电子凭证解付装置与电子凭证解付方法实施例属于同一构思
， 其具体实现过程详见方法实施例， 且方法实施例中的技术特征在装置实施例 中均对应适用， 这里不再赘述。
[0102] 从而， 本发明的电子凭证解付系统和装置， 一方面， 通过电子凭证进行支付， 降低了交易风险； 另一方面， 在电子凭证解付过程中， 可以随吋提出减少解付 金额， 无需重新幵立新的电子凭证， 提高了电子凭证解付的灵活性和便捷性， 提高了解付效率。
[0103] 本领域普通技术人员可以理解,实现上述实施例方法中的全部或部分步骤可以通 过程序来控制相关的硬件完成， 所述的程序可以存储于一计算机可读取存储介 质中， 所述的存储介质可以是 ROM/RAM、 磁盘、 光盘等。
[0104] 应当理解的是， 以上仅为本发明的优选实施例， 不能因此限制本发明的专利范 围， 凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换， 或直 接或间接运用在其他相关的技术领域， 均同理包括在本发明的专利保护范围内 工业实用性
[0105] 本发明所提供的一种电子凭证解付方法、 系统和装置， 一方面， 通过电子凭证 进行支付， 降低了交易风险； 另一方面， 在电子凭证解付过程中， 可以随吋提 出减少解付金额， 无需重新幵立新的电子凭证， 提高了电子凭证解付的灵活性 和便捷性， 提高了解付效率。 因此， 具有工业实用性。

Claims

权利要求书
[权利要求 1] 一种电子凭证解付方法， 包括步骤：
第二资金管理服务器接收解付申请端发送的解付申请并发送给第一资 金管理服务器；
所述第一资金管理服务器根据所述解付申请幵始对电子凭证进行解付
在解付过程中， 所述第二资金管理服务器接收所述解付申请端发送的 减少解付金额请求并发送给所述第一资金管理服务器；
所述第一资金管理服务器根据所述减少解付金额请求更新所述电子凭 证的解付金额， 并根据更新后的解付金额对所述电子凭证进行解付。
[权利要求 2] —种电子凭证解付方法， 应用于第一资金管理服务器， 包括步骤： 根据第二资金管理服务器发送的解付申请幵始对电子凭证进行解付； 在解付过程中， 接收所述第二资金管理服务器发送的减少解付金额请 求， 根据所述减少解付金额请求更新所述电子凭证的解付金额； 根据更新后的解付金额对所述电子凭证进行解付。
[权利要求 3] 根据权利要求 2所述的电子凭证解付方法， 其中， 所述根据第二资金 管理服务器发送的解付申请对电子凭证进行解付包括：
接收第二资金管理服务器发送的解付申请；
验证电子凭证是否失效以及是否已解付；
当所述电子凭证有效且尚未解付吋， 解付所述电子凭证； 否则， 拒绝 所述解付申请。
[权利要求 4] 根据权利要求 2或 3所述的电子凭证解付方法， 其中， 所述方法还包括
当更新了电子凭证的解付金额后， 发送更新信息至所述第二资金管理 服务器； 当解付了所述电子凭证后， 更新所述电子凭证的状态， 并发 送更新信息至所述第二资金管理服务器。
[权利要求 5] —种电子凭证解付方法， 应用于第二资金管理服务器， 包括步骤： 接收解付申请端发送的解付申请并发送给第一资金管理服务器； 接收所述解付申请端发送的减少解付金额请求并发送给所述第一资金 管理服务器。
[权利要求 6] —种电子凭证解付系统， 包括解付申请端、 第一资金管理服务器和第 二资金管理服务器， 其中：
所述解付申请端， 设置为向所述第二资金管理服务器发送解付申请， 在解付过程中， 向所述第二资金管理服务器发送减少解付金额请求； 所述第二资金管理服务器， 设置为接收所述解付申请和所述减少解付 金额请求并发送给所述第一资金管理服务器；
所述第一资金管理服务器， 设置为根据所述解付申请幵始对电子凭证 进行解付， 在解付过程中， 接收所述减少解付金额请求， 根据所述减 少解付金额请求更新所述电子凭证的解付金额， 并根据更新后的解付 金额对所述电子凭证进行解付。
[权利要求 7] —种电子凭证解付装置， 应用于第一资金管理服务器， 包括：
电子凭证解付模块， 设置为根据第二资金管理服务器发送的解付申请 幵始对电子凭证进行解付；
解付金额更新模块， 设置为在解付过程中， 接收所述第二资金管理服 务器发送的减少解付金额请求， 根据所述减少解付金额请求更新电子 凭证的解付金额；
所述电子凭证解付模块还设置为： 在解付过程中， 当解付金额更新吋 ， 根据更新后的解付金额对所述电子凭证进行解付。
[权利要求 8] 根据权利要求 7所述的电子凭证解付装置， 其中， 所电子凭证解付模 块设置为：
接收第二资金管理服务器发送的解付申请， 验证电子凭证是否失效以 及是否已解付； 当所述电子凭证有效且尚未解付吋， 解付所述电子凭 证； 否则， 拒绝所述解付申请。
[权利要求 9] 根据权利要求 7或 8所述的电子凭证解付装置， 其中，
所述解付金额更新模块还设置为： 更新了电子凭证的解付金额后， 发 送更新信息至所述第二资金管理服务器； 所述电子凭证解付模块还设置为： 解付所述电子凭证后， 更新所述电 子凭证的状态， 并发送更新信息至所述第二资金管理服务器。
[权利要求 10] —种电子凭证解付装置， 应用于第二资金管理服务器， 包括：
解付申请模块， 设置为接收解付申请端发送的解付申请并发送给第一 资金管理服务器；
减少解付金额请求模块， 设置为接收所述解付申请端发送的减少解付 金额请求并发送给所述第一资金管理服务器。
PCT/CN2015/084651 2015-07-21 2015-07-21 电子凭证解付方法、系统和装置 WO2017012055A1 (zh)

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CN104200365A (zh) * 2014-09-03 2014-12-10 高勃 一种电子支票的开票及解付方法

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Publication number Priority date Publication date Assignee Title
CN1798204A (zh) * 2004-12-24 2006-07-05 华为技术有限公司 一种支付系统及其实现方法
US20140344161A1 (en) * 2011-10-25 2014-11-20 Isi Corporation Electronic money transfer payment method and system for same
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统
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