WO2017012056A1

WO2017012056A1 - Method and device for rejecting receipt of certificate

Info

Publication number: WO2017012056A1
Application number: PCT/CN2015/084653
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: CA2994577A1; CA3102854A1; CA3102796A1; CA3102796C; CA3102854C; CA2994577C

Abstract

A method and device for rejecting receipt of a certificate, applicable in a server end. The method comprises: receiving an instruction transmitted by a terminal for rejecting receipt of an electronic certificate (S11); processing, on the basis of state information of the electronic certificate, the instruction for rejecting receipt of the electronic certificate and feeding the processing result back to the terminal (S12); updating the state information of the electronic certificate (S13), and when prompt information is received by the terminal, rejecting receipt of the electronic certificate via a server end to change the state of the electronic certificate, thus adding an approach for terminating the electronic certificate, and enhancing user experience in an interactive process with respect to the electronic certificate.

Description

Method and device for rejecting receipt

Technical field

[0001] The present invention relates to the field of network payment technologies, and in particular, to a method and apparatus for rejecting a certificate.

Background technique

[0002] E-commerce uses the Internet platform to link the participating parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, thereby reducing the entire transaction process by networking, electronic, and informational. The cost of the transaction increases the efficiency of the transaction. However, in the current e-commerce application, the transfer of funds mainly relies on the traditional electronic direct transfer payment method and the third-party payment method, and the payment method is single.

technical problem

[0003] A primary object of the present invention is to provide a method and apparatus for rejecting a receipt, which is directed to providing a termination path for an electronic credential.

Problem solution

Technical solution

[0004] In order to achieve the above object, the present invention provides a method for rejecting a certificate, which is applied to a server, and the method includes:

[0005] receiving an instruction sent by the terminal to refuse to receive the electronic voucher;

[0006] processing the instruction to refuse to receive the electronic voucher according to the status information of the electronic voucher, and feeding back the processing result to the terminal;

Updating status information of the electronic voucher.

[0008] The present invention also provides a method for rejecting a certificate, which is applicable to a terminal, and the method includes:

[0009] receiving information of an electronic voucher to be received, where the information of the electronic voucher to be received includes identity information specified by the electronic voucher;

[0010] issuing an instruction to refuse to receive an electronic voucher;

[0011] receiving the processing result of the server.

[0012] The present invention also provides an apparatus for rejecting a certificate applied to a server, the apparatus comprising: [0013] The receiving module is configured to receive an instruction sent by the terminal to refuse to receive the electronic voucher;

[0014] the processing module is configured to process the instruction to reject the electronic voucher according to the status information of the electronic voucher

And feedback the processing result to the terminal;

[0015] an update module, configured to update status information of the electronic voucher.

Advantageous effects of the invention

Beneficial effect

[0016] The present invention provides a method and apparatus for rejecting a certificate. In the present invention, after the terminal receives the receipt prompt information, the terminal refuses to receive the electronic certificate to change the state of the electronic certificate, thereby adding a The termination of the electronic voucher improves the user experience of the electronic voucher in the interaction process.

Brief description of the drawing

DRAWINGS

1 is a flowchart of a method for rejecting a certificate provided by Embodiment 1 of the present invention;

2 is a flowchart of a method for rejecting a certificate provided by Embodiment 2 of the present invention;

3 is a flowchart of a method for rejecting a certificate provided by Embodiment 3 of the present invention;

4 is a schematic structural diagram of an apparatus for rejecting a certificate provided by Embodiment 4 of the present invention.

[0021] The implementation, functional features, and advantages of the present invention will be further described in conjunction with the embodiments.

Embodiments of the invention

The specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

[0023] In the embodiment of the present invention, the electronic voucher is applied to a new type of network payment method, which greatly reduces the transaction risk and protects the interests of both the buyer and the seller as compared with the traditional network payment method. If the buyer applies for the establishment of the fund management institution with its account fund or credit line as the security deposit, the fund management institution shall undertake to handle the electronic credit certificate for settlement and payment according to the payment conditions. The payment method is an internet innovation basic financial instrument paid by the fund management institution's credit commitment, mainly for the buyer's product, the seller downloads the cashier access interface, the buyer completes the electronic certificate, and the seller completes the certificate. Performance, submission and payment, the final electronic credit certificate expires automatically. This payment method can not only use goods Purchases can also be used for mortgage guarantees.

[0024] In the basic process of the electronic voucher, in the process of applying for a certificate to the bank, the witness needs to fill in a plurality of information, such as the identity information of the witness, the account information used to freeze the fund, the amount of the certificate, and the like. In this case, it is also necessary to fill in the information of the recipient, the payment mode, etc. After completing the information, the user completes the certificate after submitting the information to the bank.

[0025] In the embodiment of the present invention, the electronic voucher is an electronic credit commitment that the fund management institution freezes the applicant's funds or uses the credit line according to the applicant's application and stands in the name of the bank, and promises to settle according to the agreed conditions. Payment voucher. The electronic voucher may be a product for the buyer, and the seller downloads the cashier access interface, the buyer completes the e-voucher certificate, the seller completes the receipt and performs the contract, submits the payment, and finally the electronic voucher expires automatically. Electronic vouchers can be purchased not only with merchandise but also with collateral. In the embodiments of the present invention, a money management institution refers to an organization that can support the flow of funds, including but not limited to banks and other financial institutions (such as securities institutions). Accordingly, the money management server includes a server of a bank server or other financial institution; the fund management account includes a bank loan account or an account of another financial institution.

[0026] The process of conducting a network payment transaction by using an electronic voucher is roughly as follows: After the buyer and the seller form an order, the buyer applies for a certificate to the fund management server (ie, the server of the money management agency) through the application end (the certificate terminal). Of course, the buyer can also voluntarily apply for a certificate without forming a transaction order. After the fund management server accepts the application, it shall file an electronic voucher according to the certificate and freeze the funds or credit line of the corresponding amount of the buyer's account. After the seller confirms the order, the seller (the terminal at the receiving end, that is, the terminal in this embodiment) applies for the receipt to the second fund management server (ie, the server of the collection fund management institution), and after the second fund management server verifies the information, the information is correct. To receive the certificate, the electronic voucher enters the performance period and waits for the seller to send the goods or provide the service. After the seller performs the performance period, the contractor submits the performance information (such as the logistics order number) to the second fund management server. The second fund management server changes the status of the electronic voucher, and the electronic voucher enters the signing period, waiting for the buyer to sign the goods. After the buyer signs the goods in the signing period, that is, after the seller completes the corresponding trading conditions according to the payment conditions of the electronic voucher, the electronic voucher enters the settlement period. Within the time limit for applying for payment, the seller entrusts the second fund management server to apply for settlement to the fund management server. After the fund management server determines that the settlement condition has been reached, the fund or credit limit for the frozen amount of the buyer account is released, and the funds are transferred to The second fund management server, the funds are transferred by the second fund management server The collection account designated by the seller (ie the collection account). At this point, the online payment is completed and the entire transaction is completed.

[0027] In the embodiment of the present invention, the terminal is a device that sends an instruction to refuse to receive the electronic voucher to the server (that is, the fund management server), and may be a terminal for the natural person, the legal person or his organization to operate, the recipient (seller) The terminal refuses to receive the electronic voucher from the terminal, and the server processes the instruction to reject the electronic voucher according to the status information of the electronic voucher, and feeds back the processing result to the terminal.

[0028] Embodiment 1

1 is a flow chart of a method for rejecting a certificate provided by the embodiment.

[0030] The method for rejecting the certificate in this embodiment includes:

[0031] Sl l, the receiving terminal sends an instruction to refuse to receive the electronic voucher;

[0032] Before the step S11, the seller or the certificate holder, after selling a product, the buyer is also called a witness, and the server is also required to apply for an electronic certificate, and the server freezes the corresponding account of the witness account. (or credit line) After the electronic voucher is issued, and the information of the electronic voucher to be received is sent to the consignee. If the consignee receives the electronic voucher, the transaction is completed. If the e-voucher is incorrect for other reasons, the consignee refuses to accept the transaction. The certificate is sent to the server by the terminal in the embodiment to reject the electronic voucher, and the server receives the instruction of the terminal to reject the electronic voucher.

[0033] S12, processing the instruction to reject the electronic voucher according to the status information of the electronic voucher, and feeding back the processing result to the terminal;

[0034] S13. Update status information of the electronic voucher;

[0035] In this embodiment, after receiving the receipt prompt information, the terminal refuses to receive the electronic credential through the server, thereby increasing the termination path of the electronic credential, and improving the user experience of the electronic credential in the interaction process.

[0036] Embodiment 2

[0037] The method for rejecting the certificate in this embodiment includes:

[0038] S21. The receiving terminal sends an instruction to refuse to receive the electronic voucher;

[0039] The electronic voucher means that the witness (the buyer) stands with the guarantee of the bank account fund or the credit line, and the bank promises to handle the electronic credit certificate for settlement and payment according to the settlement conditions. The process of the electronic certificate is as follows: The certificate is that the payer applies to the bank of the bank to establish an electronic voucher. After receiving the application from the client, the bank may freeze the bank account according to the disposable funds, credit limit or guarantee conditions of the financial assets. For the funds or assets of the application amount, the electronic voucher is issued. After the buyer’s success, the trigger period will be triggered.

[0040] The basic procedure for the receipt of the electronic voucher is as follows: The witnesses apply for the electronic voucher certificate to the fund management server, and the fund management server freezes the corresponding funds (or the credit line) of the witness account to establish an electronic voucher; the certificate applicant applies to the server. Upon receipt, the server will receive the certificate according to the recipient's receipt request.

[0041] In this embodiment, after step S21, the method further includes:

[0042] S22. Determine, according to the identity information submitted by the terminal, whether the identity information matches the identity information specified by the electronic credential;

[0043] If the identity information submitted by the terminal does not match the seller identity information specified by the electronic certificate, proceed to step S25: sending a message prompt of the identity discrepancy to the terminal; otherwise, the operation of rejecting the certificate cannot be performed.

[0044] If the terminal matches the identity information specified by the electronic voucher, the process proceeds to step S23.

[0045] S23, processing the instruction to refuse to receive the electronic voucher according to the status information of the electronic voucher, and feeding back the processing result to the terminal;

[0046] In this embodiment, the processing of rejecting the electronic voucher according to the status information of the electronic voucher includes:

[0047] The server obtains state information of the electronic voucher, where the state information includes a current state of the electronic voucher: for example, a prosecution period, a certificate period, or an expiration period due to exceeding an operation limit, the status information may be Called from the server-side database;

[0048] determining, according to the status information, whether the electronic voucher is invalid, and if it has expired, for example, has exceeded the time of receipt, it is not necessary to perform the receipt, and the operation of rejecting the receipt is not necessary;

[0049] if it has not expired, it is determined whether the electronic voucher has been received, and if the certificate has been received, the receipt cannot be rejected again;

[0050] If the electronic voucher is not received, the status of the electronic voucher is updated to be invalid.

[0051] Specifically, determining whether the electronic voucher has been received, and if yes, feeding back to the terminal that the electronic voucher has been received and prompting the seller whether the information needs to be returned; when it is determined that the electronic voucher has not been received And feeding back the rejection success information to the terminal; meanwhile, the server sends the information that the electronic certificate is invalid to the fund management server of the electronic voucher.

[0052] S24. Update status information of the electronic voucher according to the processing result, and change the status of the electronic voucher. Change to the invalid state.

[0053] In this embodiment, after receiving the receipt prompt information, the terminal refuses to receive the electronic voucher through the server, thereby increasing the termination path of the electronic voucher, and improving the user experience of the electronic voucher in the interaction process.

Embodiment 3

[0055] As shown in FIG. 3, the method for rejecting the certificate applied to the terminal in this embodiment includes:

[0056] S31. Receive information of an electronic voucher to be received, where the information of the electronic voucher to be received includes identity information specified by the electronic voucher;

[0057] In this embodiment, the terminal is also a seller or a certificate holder. After selling a product, the buyer is also called a witness, and applies for an electronic certificate certificate to the fund management server, that is, the money management server. After freezing the corresponding funds (or credit limit) of the witness account, the electronic voucher is established and the information of the electronic voucher to be received is sent to the consignee. If the consignee receives the electronic voucher, the transaction is completed, if for other reasons, such as the amount of the electronic voucher If the recipient refuses to receive the certificate, the server sends an instruction to refuse to receive the electronic voucher; wherein the information of the electronic voucher to be received includes the identity information specified by the electronic voucher.

[0058] S32, issuing an instruction to refuse to receive the electronic voucher;

[0059] After receiving the instruction to reject the electronic voucher, the server determines whether the identity information matches the identity information specified by the electronic credential according to the identity information submitted by the terminal;

[0060] If the terminal does not match the seller identity information specified by the electronic voucher, the terminal prompts to send a message indicating that the identity does not match; otherwise, the operation of rejecting the certificate cannot be performed.

[0061] If the terminal matches the identity information specified by the electronic voucher, the instruction to reject the electronic voucher is processed according to the status information of the electronic voucher, and the processing result is fed back to the terminal.

[0062] S33. Receive a processing result of the server.

[0063] In step S33, the processing results are as follows:

[0064] after determining that the electronic voucher is invalid, feeding back the failure information of the electronic voucher to the terminal;

[0065] the determining whether the electronic voucher has been received includes: if yes, feeding back to the terminal that the electronic voucher has been received and prompting the seller whether the information needs to be returned; when it is determined that the electronic voucher is not received After the certificate, the rejection success information is fed back to the terminal; meanwhile, the server side sends the electronic certificate to the electronic certificate The fund management server sends the information that the electronic voucher is invalid.

[0066] Embodiment 4

[0067] As shown in FIG. 4, the apparatus for rejecting the certificate applied to the server side of the embodiment includes:

[0068] The receiving module is configured to receive, by the terminal, an instruction to refuse to receive the electronic voucher;

[0069] the processing module is configured to process, according to the status information of the electronic credential, the instruction to reject the electronic voucher

And feedback the processing result to the terminal;

[0070] an update module, configured to update status information of the electronic voucher.

[0071] In this embodiment, the processing module includes:

[0072] a state obtaining module, configured to acquire state information of the electronic voucher, where the state information includes a current state of the electronic voucher: for example, a prosecution period, a certificate period, or an expiration period due to exceeding an operation limit Status information can be called from the server-side database;

[0073] the failure determining unit is configured to determine whether the electronic voucher is invalid, and if it has expired, for example, has exceeded the time of receipt, the certificate does not need to be received, and the operation of rejecting the certificate is not necessary;

[0074] The certificate determining unit is configured to determine whether the electronic voucher has been received after the electronic voucher has not expired, and if the certificate has been received, the card can no longer be rejected;

[0075] an updating unit, configured to update the status of the electronic voucher to be invalid when the electronic voucher is not received.

[0076] In this embodiment, the feedback unit is specifically configured to: when it is determined that the electronic voucher is invalid, return the failure information of the electronic voucher to the terminal;

[0077] after determining that the electronic voucher has been received, feeding back to the terminal that the electronic voucher has been received and prompting the seller to return;

[0078] After determining that the electronic voucher has not been received, the processing success information is fed back to the terminal.

[0079] In this embodiment, the processing module further includes:

[0080] a failure feedback unit is configured to, after determining that the electronic certificate is invalid, feed back the failure information of the electronic certificate to the terminal;

[0081] The receipt feedback unit is configured to, after determining that the electronic voucher has been received, feed back to the terminal that the electronic voucher has been received and prompt the seller to return;

[0082] ending the feedback unit, configured to feedback processing to the terminal after determining that the electronic voucher has not been received Success information.

[0083] It can be understood by those skilled in the art that all or part of the steps of the foregoing embodiments may be implemented by a program to control related hardware, and the program may be stored in a computer readable storage medium. The storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.

[0084] It is to be understood that the foregoing is only a preferred embodiment of the present invention, and is not intended to limit the scope of the invention, the equivalent structure or equivalent Indirect use in other related technical fields, including the industrial applicability within the scope of patent protection of the present invention.

[0085] The method and device for rejecting the receipt provided by the present invention, after receiving the receipt prompt information, the terminal refuses to receive the electronic voucher to change the state of the electronic voucher, thereby increasing the termination of the electronic voucher. Through the way, the user experience of the electronic voucher in the interaction process is improved. Therefore, it has industrial applicability.

Claims

Claim

A method of rejecting a certificate, applied to the server side, the method includes:

Receiving an instruction from the terminal to refuse to receive the electronic voucher;

Processing the instruction to refuse to receive the electronic voucher according to the status information of the electronic voucher, and feeding back the processing result to the terminal;

Updating status information of the electronic voucher.

A method for rejecting a certificate according to claim 1, wherein, after the receiving terminal rejects the instruction to reject the electronic voucher, and before processing the instruction to reject the electronic voucher according to the state information of the electronic voucher, Also includes:

Determining, according to the identity information submitted by the terminal, whether the identity information matches the identity information corresponding to the electronic voucher;

If the terminal matches the identity information corresponding to the electronic voucher, the step of processing the instruction to reject the electronic voucher according to the status information of the electronic voucher is entered.

The method for rejecting a certificate according to claim 2, wherein the determining, according to the identity information submitted by the terminal, whether the identity information matches the identity information specified by the electronic certificate, the method further includes:

If the terminal does not match the seller identity information specified by the electronic voucher, the terminal prompts a message indicating that the identity does not match.

A method of rejecting a certificate according to claim 3, wherein the processing of the instruction to reject the electronic voucher according to the status information of the electronic certificate comprises:

Obtaining status information of the electronic voucher;

Determining whether the electronic voucher is invalid;

If it has not expired, it is determined whether the electronic voucher has been received;

If the electronic voucher is not received, the status of the electronic voucher is updated to have expired. A method for rejecting a certificate according to claim 4, wherein the method further comprises: after determining that the electronic voucher is invalid, feeding back the failure information of the electronic voucher to the terminal, and determining that the electronic voucher has been After receiving the certificate, the electronic voucher has been fed back to the terminal Upon receipt of the certificate and prompting the seller to return it;

After determining that the electronic voucher has not been received, the processing success information is fed back to the terminal.

[Claim 6] A method for rejecting a certificate, applicable to a terminal, the method comprising:

Receiving information of the electronic voucher to be received, the information of the electronic voucher to be received includes identity information specified by the electronic voucher;

Issue an instruction to refuse to receive an electronic voucher;

Receive the processing results on the server side.

[Claim 7] A device for rejecting a certificate, applied to a server, the device comprising:

The receiving module is configured to receive, by the receiving terminal, an instruction to refuse to receive the electronic voucher; the processing module is configured to process the instruction to refuse to receive the electronic credential according to the status information of the electronic voucher, and feed back the processing result to the terminal;

An update module, configured to update status information of the electronic voucher.

[Claim 8] The apparatus for rejecting a certificate according to claim 7, wherein the processing module comprises:

a status obtaining module, configured to obtain status information of the electronic credential;

The failure judging unit is configured to determine whether the electronic voucher is invalid;

The certificate determining unit is configured to determine whether the electronic certificate has been received after the electronic certificate has not expired;

And an update unit, configured to update the status of the electronic voucher to be invalid when the electronic voucher is not received.

[Claim 9] The device for rejecting the certificate according to claim 8, wherein the processing module further comprises:

a failure feedback unit, configured to: after determining that the electronic certificate is invalid, returning invalid information of the electronic certificate to the terminal;

The receipt feedback unit is configured to: after determining that the electronic voucher has been received, returning to the terminal that the electronic voucher has been received and prompting the seller to return;

The end feedback unit is configured to, after determining that the electronic voucher has not been received, feed back the processing success information to the terminal.