WO2017012058A1 - 一种电子凭证开证方法和系统 - Google Patents

一种电子凭证开证方法和系统 Download PDF

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Publication number
WO2017012058A1
WO2017012058A1 PCT/CN2015/084655 CN2015084655W WO2017012058A1 WO 2017012058 A1 WO2017012058 A1 WO 2017012058A1 CN 2015084655 W CN2015084655 W CN 2015084655W WO 2017012058 A1 WO2017012058 A1 WO 2017012058A1
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WO
WIPO (PCT)
Prior art keywords
electronic voucher
management server
fund management
application end
code
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PCT/CN2015/084655
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English (en)
French (fr)
Inventor
张毅
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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 PCT/CN2015/084655 priority Critical patent/WO2017012058A1/zh
Priority to CA2994898A priority patent/CA2994898C/en
Publication of WO2017012058A1 publication Critical patent/WO2017012058A1/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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling

Definitions

  • the present invention relates to the field of network payment technologies, and in particular, to an electronic certificate authentication method and system.
  • 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.
  • 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.
  • the main object of the present invention is to provide an electronic certificate authentication method and system, which aims to provide a method for setting a settlement code in a certificate, thereby improving the security of payment.
  • an electronic certificate verification method including:
  • the application end submits a request for the electronic voucher to the fund management server, and the request for the electronic voucher includes the release mode of the electronic voucher;
  • the present invention further provides an electronic voucher system, comprising: an application end and a fund management server, [0010] the application end is configured to submit a request for submitting an electronic voucher to the fund management server, The voucher request includes a settlement mode of the electronic voucher; and is configured to receive a settlement code fed back by the fund management server;
  • the money management server is configured to receive the request for the electronic voucher, determine whether the release mode is a preset release mode, and if yes, acquire a release code corresponding to the electronic voucher ; The payment code is sent to the designated end.
  • An electronic voucher method and system provided by the present invention, the method includes: the application end submits a request for the electronic voucher to the fund management server, where the request for the electronic voucher is included in the request for the electronic voucher a mode of determining whether the solution mode is a preset release mode; if yes, acquiring a release code corresponding to the electronic voucher; sending the release code to a designated end, the invention is in a After the conditions are met, the settlement code is set at the time of the certificate, which improves the security of the payment. Accordingly, the recipient can provide the settlement code to solve the payment at the time of receipt, and also improve the convenience of payment. Sex, improving the user experience.
  • FIG. 1 is a flowchart of a method for verifying an electronic voucher according to Embodiment 1 of the present invention
  • FIG. 2 is a flowchart of a method for verifying an electronic voucher according to Embodiment 2 of the present invention
  • FIG. 3 is a schematic structural diagram of an electronic certificate certificate system according to Embodiment 3 of the present invention.
  • the electronic voucher involved in the embodiment of the present invention is an electronic credit commitment payment that the fund management institution freezes the applicant's funds or 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. certificate.
  • 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.
  • a money management agency is one that supports financial flows, including but not limited to banks and other financial institutions (such as securities institutions). Accordingly, the money management server includes a bank server or other financial institution The server; the fund management account includes a bank loan account or an account of another financial institution.
  • the flow of the online payment transaction through the electronic voucher is roughly as follows: After the buyer and the seller form an order, the buyer applies for the 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, the electronic voucher is filed according to the application for the certificate, and the funds or credit line of the corresponding amount of the buyer account is frozen. After confirming the order, the seller applies for the receipt to the second fund management server (ie, the server of the collection fund management institution) through the seller (the receiving end), and the second fund management server verifies the information and then receives the certificate, and the electronic certificate enters the performance.
  • the fund management server ie, the server of the money management agency
  • the application end the certificate terminal
  • the buyer can also voluntarily apply for a certificate without forming a transaction order.
  • the fund management server accepts the application
  • the electronic voucher is filed according to the application for
  • the second fund management server changes the status of the electronic certificate, and the electronic certificate enters the signing period, waiting for the buyer to sign the goods. After the buyer signs the goods within 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.
  • 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 the credit line for the frozen amount of the buyer account is released, and the funds are transferred.
  • the second fund management server transfers the funds to the seller's designated collection account (ie, the collection account). At this point, the online payment is completed and the entire transaction is completed.
  • the witness 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 multiple 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. However, the client cannot withdraw the application after submitting the application.
  • the application end sends the device for applying for the electronic voucher to the fund management server, and may be a terminal for the natural person, the legal person or the organization to operate, and the witness (the buyer) manages the fund through the terminal.
  • the server applies for the electronic voucher, and the fund management server freezes the corresponding funds (or the credit line) of the witness account and then sets up the electronic voucher.
  • 1 is a flow chart of an electronic certificate verification method provided by the embodiment.
  • the electronic certificate verification method of the embodiment includes:
  • Sl l the application end submits a request for the electronic voucher to the fund management server, where the electronic voucher is required
  • the request includes a settlement mode of the electronic voucher
  • the cancellation code is The digital operation password generated according to the identity information submitted by the application end, the identity information may be an identity card or a military officer card, etc., correspondingly, the cancellation code generates a digital operation password by the last two digits of the identity card or the military officer's card. , the digital operation password is only visible on the application side.
  • step S13 If yes, obtain a cancellation code corresponding to the electronic voucher, and if no, proceed to step S15: feeding back error prompt information to the application end;
  • the solution code may be generated by the fund management server, or may be generated by the third end specified by the application end or the application end.
  • step S14 the designated end is a third end specified by the application end or the application end.
  • the fund management server is specifically a bank
  • the witness submits a request for the electronic certificate to the bank, and after the certificate is verified by the witness, if it succeeds, the production and production are successful.
  • the settlement code corresponding to the electronic voucher can be solved by other people according to the cancellation code, so that the witness does not need to formulate the certificate at the time of the card verification; Paying the code also improves the security of the payment. Accordingly, the recipient can provide the settlement code to solve the payment at the time of receipt, and also improves the convenience of understanding and improving the user experience.
  • the electronic certificate authentication method of the embodiment includes:
  • the S2 application end submits a request for the electronic voucher to the fund management server, where the electronic e-voucher request includes the payment mode of the electronic voucher;
  • the cancellation code is The digital operation password generated according to the identity information submitted by the application end, the identity information may be an identity card or a military officer card, etc., correspondingly, the cancellation code generates a digital operation password by the last two digits of the identity card or the military officer's card. , the digital operation password is only visible on the application side.
  • the cancellation code is an operation password preset by the application end, and the application end sets the cancellation code according to the situation, and is more user-friendly.
  • the money management server randomly generates a cancellation code.
  • the generation period of the settlement code is: a certification period, a certificate period, or a performance period.
  • the solution code According to different generation manners of the solution code, there are different application scenarios: for example, it can be used for rewarding or guessing riddles, password red packets, etc., and the recipient can receive the electronic voucher by receiving the cancellation code.
  • S22 Determine whether the identity information and the bank account information submitted by the application end meet the preset requirements of the fund management server.
  • step S22 after the fund management server receives the request for the electronic voucher, it is determined whether the identity information and the bank account information submitted by the application end meet the preset requirements of the fund management server, and if not, The application end feedbacks the error prompt information; if the identity information and the bank account information submitted by the application end meet the preset requirements of the fund management server, it is determined whether the account fund or the credit limit of the application end is greater than the fund management server.
  • the preset amount of the certificate if not, feedback the error message to the application end; if the account fund or the credit line of the application end is greater than the amount of the deposit amount preset by the fund management server, it is determined that the application end meets The e-certification condition, wherein the bank account information and the account fund are greater than the pre-set amount of the custody certificate of the fund management server is a necessary condition in the e-certification condition.
  • step S24 If yes, obtain a cancellation code corresponding to the electronic voucher, and if no, proceed to step S26: feeding back error prompt information to the application end;
  • the solution code may be generated by the fund management server, or may be generated by the third end specified by the application end or the application end.
  • step S25 the designated end is a third end specified by the application end or the application end.
  • the request for the electronic voucher further includes: bank account information, account funds of the application end, identity information submitted by the application end, a credit line, and a guarantee condition.
  • the step S24 includes:
  • the application end sends identity information to the fund management server; [0051] the money management server generates a settlement code corresponding to the electronic voucher according to the identity information; [0052] the money management server stores the cancellation code.
  • the step S24 includes:
  • the application end sends a settlement code corresponding to the electronic voucher to the fund management server;
  • the money management server stores the release code.
  • the fund management server is specifically a bank of securities
  • the witness sends a request for the electronic certificate to the bank, and after the bank examines the conditions of the witness, if successful, the production and
  • the settlement code corresponding to the electronic voucher can be solved by other people according to the cancellation code, so that the witness does not need to formulate the certificate at the time of the card verification; Paying the code also improves the security of the payment. Accordingly, the recipient can provide the settlement code to solve the payment at the time of receipt, and also improves the convenience of understanding and improving the user experience.
  • the electronic voucher system of the embodiment includes: an application end and a fund management server.
  • the application end is configured to submit a request for the electronic voucher to the fund management server, where the request for the electronic voucher includes a solution mode of the electronic voucher; and the solution for receiving the feedback from the fund management server Pay code
  • the preset cancellation mode is a type of electronic voucher, that is, after the seller submits the receipt data, the verification is correct to be solved (initial operation password is used as the data to be verified).
  • the claim code is a digital operation password generated according to the identity information submitted by the application end, and the identity information may be an ID card or a military officer card, etc., correspondingly, the cancellation code is determined by the last two ID cards or military officers. The bit generates a numeric operation password that is visible only to the buyer.
  • the cancellation code is an operation password preset by the application end, and the buyer sets the cancellation code according to his own situation, which is more user-friendly.
  • the money management server randomly generates a cancellation code.
  • the solution code According to different generation manners of the solution code, there are different application scenarios: for example, it can be used for reward or guessing riddles, password red packets, etc., and the recipient can receive the electronic voucher by receiving the cancellation code.
  • the money management server is configured to receive the request for the electronic voucher, and determine the cancellation mode Whether it is a preset payment mode, if yes, acquiring a cancellation code corresponding to the electronic voucher; and transmitting the cancellation code to the designated end.
  • the fund management server determines whether the identity information and the bank account information submitted by the application end meet the preset requirements of the fund management server, and if not, to the application end Feedback error prompt information; if the identity information and the bank account information submitted by the application end meet the preset requirements of the fund management server, determine whether the account fund or the credit limit of the application end is greater than the preset by the fund management server.
  • the amount of the certificate if not, feedback the error message to the application end; if the account fund or the credit line of the application end is greater than the amount of the deposit amount preset by the fund management server, it is determined that the application end meets the condition of the certificate, Wherein, whether the bank account information and the account fund are greater than the amount of the deposit amount preset by the fund management server is a necessary condition in the condition of the certificate.
  • the fund management server includes: a first release code generation module and a second release code generation module;
  • the first release code generating module includes:
  • a first sending unit configured to send, by the application end, identity information to the fund management server
  • a first generating unit configured to generate, by the fund management server, the electronic device according to the identity information The settlement code corresponding to the voucher
  • the first storage unit is configured to store the release code by the fund management server.
  • the second release code generating module includes:
  • the second sending unit is configured to send, by the application end, the payment corresponding to the electronic voucher to the fund management server;
  • the second storage unit is configured to store the release code by the fund management server.
  • the request for the electronic voucher further includes: bank account information, account funds of the application end, identity information submitted by the application end, a credit line, and a guarantee condition.
  • the designated end is the application end.
  • the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • the invention provides an electronic voucher method and system, the method comprising: the application end submitting a request for the electronic voucher to the fund management server, wherein the request for the electronic voucher includes a solution mode of the electronic voucher; Determining whether the solution mode is a preset release mode; if yes, acquiring a release code corresponding to the electronic voucher; and transmitting the release code to the designated end, the present invention satisfies the condition
  • the settlement code is set to improve the security of the payment. Accordingly, the recipient can provide the settlement code to solve the payment at the time of receipt, and also improve the convenience of understanding and improve. The user experience. Therefore, it has industrial applicability.

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Abstract

一种电子凭证开证方法和系统，涉及网络支付技术领域，该方法包括：申请端向资金管理服务器提交开立电子凭证请求，所述开立电子凭证请求内包括所述电子凭证的解付模式（S11）；判断所述解付模式是否为预设的解付模式（S12）；若是，则获取一与所述电子凭证对应的解付码（S13）；将所述解付码发送至指定端（S14）。该方法在开证条件满足后，在开证的时候设置解付码，提高了支付的安全性，相应地，收证人在收证的时候，提供该解付码即可解付，也提高了解付的便利性，提高了用户使用体验。

Description

说明书 发明名称：一种电子凭证幵证方法和系统 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幵证方法和系统。
背景技术
[0002] 电子商务利用互联网平台将传统商务活动中的参与各方 （买方、 卖方、 物流公 司、 金融机构等） 联系在一起， 通过将整个交易过程网络化、 电子化、 信息化 ， 从而减低了交易的成本、 提高了交易效率。 然而， 现行的电子商务应用中， 资金的传递主要还是依赖传统的电子直接转账支付的方式和第三方支付的方式 完成， 支付方式单一。
技术问题
[0003] 本发明的主要目的在于提供一种电子凭证幵证方法和系统， 旨在提供一种在幵 证吋设置解付码的幵证方法， 提高了支付的安全性。
问题的解决方案
技术解决方案
[0004] 为达以上目的， 本发明提出一种电子凭证幵证方法， 包括：
[0005] 申请端向资金管理服务器提交幵立电子凭证请求， 所述幵立电子凭证请求内包 括所述电子凭证的解付模式；
[0006] 判断所述解付模式是否为预设的解付模式；
[0007] 若是， 则获取一与所述电子凭证对应的解付码；
[0008] 将所述解付码发送至指定端。
[0009] 本发明还提出一种电子凭证幵证系统， 包括： 申请端和资金管理服务器， [0010] 所述申请端， 设置为向资金管理服务器提交幵立电子凭证请求， 所述幵立电子 凭证请求内包括所述电子凭证的解付模式； 设置为接收所述资金管理服务器反 馈的解付码；
[0011] 所述资金管理服务器， 设置为接收所述幵立电子凭证请求， 判断所述解付模式 是否为预设的解付模式， 若是， 则获取一与所述电子凭证对应的解付码； 将所 述解付码发送至指定端。
发明的有益效果
有益效果
[0012] 本发明所提供的一种电子凭证幵证方法和系统， 该方法包括： 申请端向资金管 理服务器提交幵立电子凭证请求， 所述幵立电子凭证请求内包括所述电子凭证 的解付模式； 判断所述解付模式是否为预设的解付模式； 若是， 则获取一与所 述电子凭证对应的解付码； 将所述解付码发送至指定端， 本发明在幵证条件满 足后， 在幵证的吋候设置解付码， 提高了支付的安全性， 相应地， 收证人在收 证的吋候， 提供该解付码即可解付， 也提高了解付的便利性， 提高了用户使用 体验。
对附图的简要说明
附图说明
[0013] 图 1是本发明实施例一所提供的一种电子凭证幵证方法流程图；
[0014] 图 2是本发明实施例二所提供的一种电子凭证幵证方法流程图；
[0015] 图 3是本发明实施例三所提供的一种电子凭证幵证系统结构示意图。
[0016] 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
[0017] 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。
[0018] 在本发明实施例涉及的电子凭证是资金管理机构根据申请人的申请冻结申请人 的资金或支用授信额度并以银行名义幵立， 且承诺依照约定条件进行结算的电 子信用承诺支付凭证。 电子凭证可以是针对买方的产品， 由卖方下载收银台接 入接口， 由买方完成电子凭证的幵证、 卖方完成收证并履约、 提交解付， 最后 电子凭证到期自动解付。 电子凭证不仅可以用商品购买， 也可用于抵押担保。 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） 。 相应地， 资金管理服务器包括银行服务器或者其他金融机构 的服务器； 资金管理账户包括银行贷款账户或者其他金融机构的账户。
[0019] 通过电子凭证进行网络支付交易的流程大致为： 买卖双方形成订单后， 买方通 过申请端 （幵证端） 向资金管理服务器 （即幵证资金管理机构的服务器） 申请 幵证。 当然， 买方也可以在未形成交易订单吋单方主动申请幵证。 资金管理服 务器受理后， 根据幵证申请幵立电子凭证， 并冻结买方账户相应金额的资金或 授信额度。 卖方确认订单后， 通过卖方端 （收证端） 向第二资金管理服务器 （ 即收证资金管理机构的服务器） 申请收证， 第二资金管理服务器验证信息无误 后予以收证， 电子凭证进入履约期， 等待卖方发送商品或提供服务。 卖方在履 约期内履约后， 向第二资金管理服务器提交履约信息 （比如物流单号） ， 第二 资金管理服务器更改电子凭证的状态， 电子凭证进入签收期， 等待买方签收商 品。 当买方在签收期内签收商品后， 也就是说卖方根据电子凭证的解付条件完 成所对应的交易条件后， 电子凭证进入解付期。 卖方在申请解付期限内， 委托 第二资金管理服务器向资金管理服务器申请解付， 资金管理服务器判断解付条 件已经达成后， 解付对买方账户冻结金额的资金或授信额度， 将资金划转至第 二资金管理服务器， 由第二资金管理服务器将资金转入卖方指定的收款账户 （ 即收证账户） 。 至此， 完成网络支付， 整个交易完成。
[0020] 在电子凭证的基础流程中， 幵证人向银行申请幵证的过程中， 需要填写多个信 息， 例如幵证人的身份信息、 用于冻结资金的账户信息、 幵证额度等， 某些情 况下， 还需要填写收证人信息、 解付模式等资料， 在填写完资料后， 用户向银 行提交资料后即完成幵证。 然而， 客户在提交申请后， 不能撤回申请。
[0021] 本发明实施例中， 申请端是向资金管理服务器发送申请幵立电子凭证的设备， 可以是供自然人、 法人或他组织操作的一个终端， 幵证人 （买方） 通过该终端 向资金管理服务器申请幵立电子凭证， 资金管理服务器冻结幵证人账户相应资 金 （或授信额度） 后幵立电子凭证。
[0022] 实施例一
[0023] 图 1是本实施例所提供的一种电子凭证幵证方法流程图。
[0024] 本实施例的电子凭证幵证方法， 包括：
[0025] Sl l、 申请端向资金管理服务器提交幵立电子凭证请求， 所述幵立电子凭证请 求内包括所述电子凭证的解付模式；
[0026] 在本实施例中， 在预设的解付模式下， 任何人提交签收数据后， 只要验证正确 即可解付 （初期以操作口令作为需验证的数据） ， 所述解付码是根据所述申请 端提交的身份信息生成的数字操作口令， 所述身份信息可以是身份证或军官证 等， 相应地， 所述解付码由身份证或军官证的末两位生成数字操作口令， 该数 字操作口令仅在申请端可见。
[0027] S 12、 判断所述解付模式是否为预设的解付模式；
[0028] S 13、 若是， 则获取一与所述电子凭证对应的解付码， 若否， 则进入步骤 S15 : 向所述申请端反馈错误提示信息；
[0029] 在步骤 S 13中， 所述解付码可以由资金管理服务器生成， 也可以是申请端或申 请端指定的第三端生成。
[0030] S 14、 将所述解付码发送至指定端。
[0031] 在步骤 S 14中， 所述指定端为申请端或申请端指定的第三端。
[0032] 在本实施例中， 所示资金管理服务器具体为一幵证行， 幵证人向幵证行提交幵 立电子凭证请求， 幵证行审核幵证人幵证条件后， 如果成功则生产与该电子凭 证对应的解付码， 其他人可以依据该解付码进行解付， 这样幵证人在幵证的吋 候不再需要制定收证人； 幵证人在幵证的吋候设置解付的解付码， 也提高了支 付的安全性， 相应地， 收证人在收证的吋候， 提供该解付码即可解付， 也提高 了解付的便利性， 提高了用户使用体验。
[0033] 实施例二
[0034] 如图 2所示， 本实施例的电子凭证幵证方法， 包括：
[0035] S2 申请端向资金管理服务器提交幵立电子凭证请求， 所述幵立电子凭证请 求内包括所述电子凭证的解付模式；
[0036] 在本实施例中， 在预设的解付模式下， 任何人提交签收数据后， 只要验证正确 即可解付 （初期以操作口令作为需验证的数据） ， 所述解付码是根据所述申请 端提交的身份信息生成的数字操作口令， 所述身份信息可以是身份证或军官证 等， 相应地， 所述解付码由身份证或军官证的末两位生成数字操作口令， 该数 字操作口令仅在申请端可见。 [0037] 作为另一种实施例， 所述解付码为申请端预设的操作口令， 申请端根据自身情 况设置解付码， 更为人性化。
[0038] 作为再一种实施例， 资金管理服务器随机生成解付码。
[0039] 在本实施例中， 所述解付码的生成吋期为： 幵证期、 收证期或履约期。
[0040] 根据解付码生成方式的不同， 具有不同的应用场景： 例如可以用于悬赏或猜灯 谜、 口令红包等， 收证人收到解付码即可解付该电子凭证。
[0041] S22、 判断所述申请端提交的身份信息和银行账号信息是否符合所述资金管理 服务器预设的要求；
[0042] 步骤 S22中， 当资金管理服务器收到幵立电子凭证请求后， 判断所述申请端提 交的身份信息和银行账号信息是否符合所述资金管理服务器预设的要求， 若否 ， 则向所述申请端反馈错误提示信息； 若所述申请端提交的身份信息和银行账 号信息符合所述资金管理服务器预设的要求， 判断所述申请端的账户资金或授 信额度是否大于所述资金管理服务器预设的幵证金额， 若否， 则向所述申请端 反馈错误提示信息； 若所述申请端的账户资金或授信额度大于所述资金管理服 务器预设的幵证金额， 判定所述申请端符合幵证条件， 其中， 银行账号信息和 账户资金是否大于所述资金管理服务器预设的幵证金额是幵证条件中的必要条 件。
[0043] S23、 判断所述解付模式是否为预设的解付模式；
[0044] S24、 若是， 则获取一与所述电子凭证对应的解付码， 若否， 则进入步骤 S26: 向所述申请端反馈错误提示信息；
[0045] 在步骤 S24中， 所述解付码可以由资金管理服务器生成， 也可以是申请端或申 请端指定的第三端生成。
[0046] S25、 将所述解付码发送至指定端。
[0047] 在步骤 S25中， 所述指定端为申请端或申请端指定的第三端。
[0048] 在本实施例中， 所述幵立电子凭证请求内还包括： 银行账号信息、 申请端的账 户资金、 申请端提交的身份信息、 授信额度和担保条件。
[0049] 在本实施例中， 所述步骤 S24包括：
[0050] 所述申请端将身份信息发送给所述资金管理服务器； [0051] 所述资金管理服务器根据所述身份信息生成与所述电子凭证对应的解付码； [0052] 所述资金管理服务器存储所述解付码。
[0053] 作为另一种实施例， 所述步骤 S24包括：
[0054] 所述申请端向所述资金管理服务器发送与所述电子凭证对应的解付码；
[0055] 所述资金管理服务器存储所述解付码。
[0056] 在本实施例中， 所示资金管理服务器具体为一幵证行， 幵证人向幵证行提交幵 立电子凭证请求， 幵证行审核幵证人幵证条件后， 如果成功则生产与该电子凭 证对应的解付码， 其他人可以依据该解付码进行解付， 这样幵证人在幵证的吋 候不再需要制定收证人； 幵证人在幵证的吋候设置解付的解付码， 也提高了支 付的安全性， 相应地， 收证人在收证的吋候， 提供该解付码即可解付， 也提高 了解付的便利性， 提高了用户使用体验。
[0057] 实施例三
[0058] 如图 3所示， 本实施例的电子凭证幵证系统， 包括： 申请端和资金管理服务器
， 其中，
[0059] 所述申请端， 设置为向资金管理服务器提交幵立电子凭证请求， 所述幵立电子 凭证请求内包括所述电子凭证的解付模式； 设置为接收所述资金管理服务器反 馈的解付码；
[0060] 在本实施例中， 所述预设的解付模式是一种电子凭证的类型， 即卖方提交签收 数据后， 验证正确才能解付 （初期以操作口令作为需验证的数据） ， 所述解付 码是根据所述申请端提交的身份信息生成的数字操作口令， 所述身份信息可以 是身份证或军官证等， 相应地， 所述解付码由身份证或军官证的末两位生成数 字操作口令， 该数字操作口令仅买方可见。
[0061] 作为另一种实施例， 所述解付码为申请端预设的操作口令， 买方根据自己的情 况设置解付码， 更为人性化。
[0062] 作为再一种实施例， 资金管理服务器随机生成解付码。
[0063] 根据解付码生成方式的不同， 具有不同的应用场景： 例如可以用于悬赏或猜灯 谜、 口令红包等， 收证人收到解付码即可解付该电子凭证。
[0064] 所述资金管理服务器， 设置为接收所述幵立电子凭证请求， 判断所述解付模式 是否为预设的解付模式， 若是， 则获取一与所述电子凭证对应的解付码； 将所 述解付码发送至指定端。
[0065] 当资金管理服务器收到幵立电子凭证请求后， 判断所述申请端提交的身份信息 和银行账号信息是否符合所述资金管理服务器预设的要求， 若否， 则向所述申 请端反馈错误提示信息； 若所述申请端提交的身份信息和银行账号信息符合所 述资金管理服务器预设的要求， 判断所述申请端的账户资金或授信额度是否大 于所述资金管理服务器预设的幵证金额， 若否， 则向所述申请端反馈错误提示 信息； 若所述申请端的账户资金或授信额度大于所述资金管理服务器预设的幵 证金额， 判定所述申请端符合幵证条件， 其中， 银行账号信息和账户资金是否 大于所述资金管理服务器预设的幵证金额是幵证条件中的必要条件。
[0066] 在本实施例中， 所述资金管理服务器包括： 第一解付码生成模块和第二解付码 生成模块；
[0067] 所述第一解付码生成模块包括：
[0068] 第一发送单元， 设置为所述申请端将身份信息发送给所述资金管理服务器； [0069] 第一生成单元， 设置为所述资金管理服务器根据所述身份信息生成与所述电子 凭证对应的解付码；
[0070] 第一存储单元， 设置为所述资金管理服务器存储所述解付码。
[0071] 所述第二解付码生成模块包括：
[0072] 第二发送单元， 设置为所述申请端向所述资金管理服务器发送与所述电子凭证 对应的解付；
[0073] 第二存储单元， 设置为所述资金管理服务器存储所述解付码。
[0074] 在本实施例中， 所述幵立电子凭证请求内还包括： 银行账号信息、 申请端的账 户资金、 申请端提交的身份信息、 授信额度和担保条件。
[0075] 在本实施例中， 所述指定端为所述申请端。
[0076] 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。
[0077] 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
本发明所提供的一种电子凭证幵证方法和系统， 该方法包括： 申请端向资金管 理服务器提交幵立电子凭证请求， 所述幵立电子凭证请求内包括所述电子凭证 的解付模式； 判断所述解付模式是否为预设的解付模式； 若是， 则获取一与所 述电子凭证对应的解付码； 将所述解付码发送至指定端， 本发明在幵证条件满 足后， 在幵证的吋候设置解付码， 提高了支付的安全性， 相应地， 收证人在收 证的吋候， 提供该解付码即可解付， 也提高了解付的便利性， 提高了用户使用 体验。 因此， 具有工业实用性。

Claims

权利要求书
一种电子凭证幵证方法， 包括：
申请端向资金管理服务器提交幵立电子凭证请求， 所述幵立电子凭证 请求内包括所述电子凭证的解付模式；
判断所述解付模式是否为预设的解付模式；
若是， 则获取一与所述电子凭证对应的解付码；
将所述解付码发送至指定端。
根据权利要求 1所述的一种电子凭证幵证方法， 其中， 所述申请端向 资金管理服务器提交幵立电子凭证请求之后， 判断所述解付模式是否 为预设的解付模式之前， 还包括：
判断所述申请端是否符合幵证条件， 若否， 则向所述申请端反馈错误 提示信息；
若所述申请端符合幵证条件， 则进入步骤判断所述解付模式是否为预 设的解付模式。
根据权利要求 2所述的一种电子凭证幵证方法， 其中， 所述获取一与 所述电子凭证对应的解付码包括：
所述申请端将身份信息发送给所述资金管理服务器；
所述资金管理服务器根据所述身份信息生成与所述电子凭证对应的解 付码；
所述资金管理服务器存储所述解付码。
根据权利要求 2所述的一种电子凭证幵证方法， 其中， 所述获取一与 所述电子凭证对应的解付码包括：
所述申请端向所述资金管理服务器发送与所述电子凭证对应的解付码 所述资金管理服务器存储所述解付码。
根据权利要求 1-4任一项所述的一种电子凭证幵证方法， 其中， 所述 获取一与所述电子凭证对应的解付码具体为：
所述指定端为所述申请端， 所述资金管理服务器将所述解付码发给所 述申请端。
根据权利要求 1-4任一项所述的一种电子凭证幵证方法， 其中， 所述 获取一与所述电子凭证对应的解付码的步骤包括：
在幵证期、 收证期或履约期获取一与所述电子凭证对应的解付码。 一种电子凭证幵证系统， 包括： 申请端和资金管理服务器， 所述申请端， 设置为向资金管理服务器提交幵立电子凭证请求以及设 置为接收所述资金管理服务器反馈的解付码， 其中， 所述幵立电子凭 证请求内包括所述电子凭证的解付模式；
所述资金管理服务器， 设置为接收所述幵立电子凭证请求， 判断所述 解付模式是否为预设的解付模式， 若是， 则获取一与所述电子凭证对 应的解付码， 并且将所述解付码发送至指定端。
根据权利要求 7所述的一种电子凭证幵证系统， 其中， 所述资金管理 服务器包括第一解付码生成模块， 所述第一解付码生成模块包括： 第一发送单元， 设置为实现所述申请端将身份信息发送给所述资金管 理服务器；
第一生成单元， 设置为实现所述资金管理服务器根据所述身份信息生 成与所述电子凭证对应的解付码；
第一存储单元， 设置为实现所述资金管理服务器存储所述解付码。 根据权利要求 7所述的一种电子凭证幵证系统， 其中， 所述资金管理 服务器包括第二解付码生成模块， 所述第二解付码生成模块包括： 第二发送单元， 设置为实现所述申请端向所述资金管理服务器发送与 所述电子凭证对应的解付；
第二存储单元， 设置为实现所述资金管理服务器存储所述解付码。 根据权利要求 7-9任一项所述的一种电子凭证幵证系统， 其中， 所述 指定端为所述申请端。
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