WO2017012059A1 - 一种电子凭证申请的撤回方法、装置和系统 - Google Patents
一种电子凭证申请的撤回方法、装置和系统 Download PDFInfo
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- WO2017012059A1 WO2017012059A1 PCT/CN2015/084656 CN2015084656W WO2017012059A1 WO 2017012059 A1 WO2017012059 A1 WO 2017012059A1 CN 2015084656 W CN2015084656 W CN 2015084656W WO 2017012059 A1 WO2017012059 A1 WO 2017012059A1
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- WIPO (PCT)
- Prior art keywords
- application
- electronic voucher
- request
- management server
- fund management
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
Definitions
- the present invention relates to the field of network payment technologies, and in particular, to a method, device and system for withdrawing an electronic voucher application.
- 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 purpose of the present invention is to provide a method, a device and a system for withdrawing an electronic voucher application, which are intended to provide a fund management server to prompt the applicant to prove that the application has a chance to judge whether it needs to be withdrawn.
- the method of requesting the certificate improves the user experience of the electronic voucher during the application process. .
- the present invention provides a method for withdrawing an electronic voucher application, which is applicable to a fund management server, including:
- a method for withdrawing an electronic voucher application for the application end, including: [0010] submitting a standing electronic voucher request to the fund management server;
- a withdrawal system for an electronic voucher application including: an application end and a fund management server, wherein
- the application end is configured to submit a request for the electronic voucher to the fund management server; receive the provable prompt information fed back by the fund management server; and submit an application for withdrawing the request for the electronic voucher to the fund management server;
- the fund management server is configured to receive the request for the electronic voucher submitted by the application end, and determine whether the application end corresponding to the request for the electronic voucher meets the eligibility condition; if yes, the feedback to the application end is provable a prompt message; if the request for withdrawing the electronic voucher application submitted by the application end is received; then the process of establishing the electronic voucher is terminated.
- an apparatus for withdrawing an electronic voucher application is provided for a fund management server, including:
- the first receiving module is configured to receive the request for the electronic voucher submitted by the application end;
- the first judging module is configured to determine whether the application end corresponding to the erected electronic voucher request meets the eligibility condition
- the first feedback module is configured to: when the condition is met, the feedback information is sent back to the application end;
- the termination module is configured to: after receiving the request to withdraw the application for the electronic voucher, terminate the The process of establishing an electronic voucher.
- the method, device and system for withdrawing an electronic voucher application provided by the present invention, after the fund management server prompts the application end to prove that the application end can still prove the need to withdraw the request for the embarrassing certificate , improve the user experience of the electronic voucher in the application process.
- 1 is a flowchart of a method for withdrawing an electronic voucher application according to Embodiment 1 of the present invention
- 2 is a flowchart of a method for withdrawing an electronic voucher application according to Embodiment 2 of the present invention
- FIG. 3 is a schematic structural diagram of a withdrawal system of an electronic voucher application according to Embodiment 3 of the present invention.
- FIG. 4 is a structural diagram of a device for withdrawing an electronic voucher application according to Embodiment 4 of the present invention.
- the electronic voucher is a new type of network payment method, which greatly reduces the transaction risk and protects the interests of both buyers and sellers compared with the traditional online 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 promises to handle the electronic credit certificate for settlement and payment according to the settlement 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 be purchased not only with merchandise but also with a mortgage guarantee.
- 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 a plurality of information, such as the identity information of the witness, the account information used to freeze the fund, and the amount of the certificate. In some cases, it is also necessary to fill in the information of the recipient, the payment mode, etc. After completing the information, the user will complete the certificate after submitting the information to the bank. However, the client cannot withdraw the application after submitting the application.
- 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 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 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 passes Apply for a certificate from the application server (the server of the money management server). 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 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. Period, waiting for the seller to send goods or provide services.
- the second fund management server ie, the server of the collection fund management institution
- the second fund management server verifies the information and then receives the certificate, and the electronic certificate enters the performance. Period, waiting for the seller to send goods or provide services.
- the seller After the seller performs the performance period, it 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 certificate, and the electronic certificate enters the signing period, waiting for the buyer to sign the goods.
- 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.
- the seller entrusts the second fund management server to apply for settlement to the fund management server.
- 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 transfers the funds to the payment account designated by the seller (ie, the collection account) by the second fund management server. At this point, the online payment is completed and the entire transaction is completed.
- 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 a method for withdrawing an electronic voucher application applicable to a fund management server according to the embodiment, the method comprising:
- step S12 the request for the electronic voucher includes but is not limited to: the bank account information of the application end
- the account fund of the application end the identity information submitted by the application end, the credit line and the guarantee conditions.
- Account funds or credit lines or bank account information submitted according to the application Whether the obtained account fund or credit limit is greater than the amount of the deposit amount preset by the fund management server, etc., if the above conditions satisfy the preset condition, the condition is met, otherwise, the process proceeds to step S16: feedback to the application end Error message.
- the fund management server is specifically a server of a bank, and after the bank passes the server to prompt the terminal of the witness, the witness may still have the opportunity to judge whether the withdrawal is necessary.
- the method of requesting the certificate improves the user experience of the electronic voucher in the application process.
- whether the bank account information and the account fund of the application end 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.
- step S13 after the application end submits the request for the electronic voucher, the fund management server feeds back the information indicating the certificate to the application end after the application end meets the embarrassing condition, but in order to prevent the application end from being submitted, If the request is made in a mistake, for example, if the amount is filled in incorrectly, or after the request for the testimony is submitted, another payment method is found, and the application for the request for withdrawal of the claim is withdrawn, the fund management server will confirm the application again. Once, it is confirmed whether the application end operates according to the provable prompt information.
- This step provides a method for the fund management server to prompt the application to prove that the application end still has an opportunity to judge whether the request for withdrawal of the stipulation request needs to be withdrawn.
- the method further includes:
- reading the request for withdrawing the application for the electronic voucher, and the request for withdrawing the application for the electronic voucher includes the reason for the withdrawal
- the method for withdrawing an electronic voucher application applicable to an application end of the present embodiment includes: [0050] S2 submitting a request for the electronic voucher to the fund management server;
- the request for the electronic voucher includes: the bank account information of the application end, the account fund of the application end, the identity information submitted by the application end, the credit line and the guarantee condition, specifically, first verifying the identity information submitted by the application end and Whether the bank account information meets the preset requirements of the fund management server, whether the bank account information of the application end is legal and valid, and whether the account fund or the credit limit of the application end is greater than the amount of the deposit certificate preset by the fund management server, etc. If the above conditions are met, the conditions are met, otherwise, the error message is fed back to the application end.
- S22 Receive certifiable prompt information fed back by the fund management server.
- the fund management server feeds back the information indicating the evidence to the application end after the application end meets the requirements of the e-voucher, but in order to prevent the application end from making a mistake in submitting the e-mail request.
- the fund management server will confirm the application once again, confirm the application side. Whether to operate according to the provable prompt information.
- the fund management server receives the request for withdrawing the electronic voucher application submitted by the application terminal, terminating the process of establishing the electronic voucher, and the step provides a fund management server prompting the application end After the testimony can be made, the application side still has the opportunity to judge whether it is necessary to withdraw the request for the testimony, and improve the user experience of the electronic voucher in the application process.
- the revocation system of the electronic voucher application of the embodiment includes: an application end and a fund management server, wherein
- the application end is configured to submit a request for the electronic voucher to the fund management server; receive the provable prompt information fed back by the fund management server; and submit an application for withdrawing the request for the electronic voucher to the fund management server;
- the fund management server is configured to receive the request for the electronic voucher submitted by the application end, and determine whether the application end corresponding to the electronic e-voucher request meets the eligibility condition; if yes, the feedback to the application end is provable a prompt message; if receiving the request submitted by the application end to withdraw the application for the electronic voucher; Then the process of the electronic voucher is terminated.
- the embodiment is applicable to the withdrawal device of the electronic voucher application of the fund management server, which includes:
- the first receiving module is configured to receive the request for the electronic voucher submitted by the application end;
- the first determining module is configured to determine whether the application end corresponding to the erected electronic voucher request meets the eligibility condition
- the first feedback module is configured to: when the eligibility condition is met, the feedback information is sent back to the application end; [0065] the termination module is configured to terminate the request if receiving the request to withdraw the application for the electronic voucher The process of establishing an electronic voucher.
- the determining module includes
- the first determining unit is configured to: determine whether the identity information and the bank account information submitted by the application end meet the preset requirements of the fund management server;
- the second determining unit is configured to: when 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 credit limit of the application end is greater than the fund
- the management server presets the amount of the certificate, and if not, determines that the application terminal does not meet the certification condition, and if so, determines that the application end meets the certification condition.
- the second feedback module is further configured to: when the application end does not meet the authentication condition, send back an error prompt message to the application end.
- the revoking device further includes a second receiving module, configured to: when the application end selects not to operate according to the provable prompt information, receive the withdrawal of the electronic file submitted by the application end Request for voucher application.
- the revoking device further includes a second determining module, configured to read the request for withdrawing the application for the electronic voucher, and the request for withdrawing the application for the electronic voucher includes a reason for revoking; Whether the reason for the withdrawal is in the withdrawal reason list preset by the fund management server, and if not, rejecting the request to withdraw the application for the electronic voucher; if yes, agreeing to the request to withdraw the application for the electronic voucher, terminating the termination The process of establishing an electronic voucher.
- a second determining module configured to read the request for withdrawing the application for the electronic voucher, and the request for withdrawing the application for the electronic voucher includes a reason for revoking; Whether the reason for the withdrawal is in the withdrawal reason list preset by the fund management server, and if not, rejecting the request to withdraw the application for the electronic voucher; if yes, agreeing to the request to withdraw the application for the electronic voucher, terminating the termination The process of establishing an electronic voucher.
- the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
- the method, device and system for withdrawing an electronic voucher application provided by the present invention, after the fund management server prompts the application end to prove that the application end can still prove the need to withdraw the request for the embarrassing certificate , improve the user experience of the electronic voucher in the application process. Therefore, it has industrial applicability.
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Abstract
一种电子凭证申请的撤回方法、装置和系统，该方法包括：接收申请端提交的开立电子凭证请求（S11），判断所述开立电子凭证请求对应的申请端是否符合开证条件（S12）；若是，则向申请端反馈可开证提示信息（S13）；当所述申请端选择不按照所述可开证提示信息进行操作时，如果所述资金管理服务器接收到所述申请端提交的撤回开立电子凭证申请的请求（S14）；终止所述电子凭证的开立流程（S15）。该方法、装置和系统在资金管理服务器向申请端提示可以开证之后，申请端仍有机会判断是否需要撤回开证请求，提高了电子凭证在申请过程中的用户体验。
Description
一种电子凭证申请的撤回方法、 装置和系统 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申请的撤回方法、 装 置和系统。
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申请的撤回方法、 装置和系统， 旨在 提供一种资金管理服务器向申请端提示可以幵证之后， 申请端仍有机会判断是 否需要撤回幵证请求的方法， 提高了电子凭证在申请过程中的用户体验。 。 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申请的撤回方法， 适用于资金管理服 务器， 包括：
[0005] 接收申请端提交的幵立电子凭证请求， 判断所述幵立电子凭证请求对应的申请 端是否符合幵证条件；
[0006] 若是， 则向申请端反馈可幵证提示信息；
[0007] 如果所述资金管理服务器接收到所述申请端提交的撤回幵立电子凭证申请的请 求；
[0008] 则终止所述电子凭证的幵立流程。
[0009] 根据本发明的另一个方面， 提供的一种电子凭证申请的撤回方法， 适用于申请 端， 包括：
[0010] 向资金管理服务器提交幵立电子凭证请求；
[0011] 接收所述资金管理服务器反馈的可幵证提示信息；
[0012] 向资金管理服务器提交撤回幵立电子凭证请求的申请。
[0013] 根据本发明的另一个方面， 提供的一种电子凭证申请的撤回系统， 包括： 申请 端和资金管理服务器， 其中，
[0014] 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； 接收所述资金 管理服务器反馈的可幵证提示信息； 向资金管理服务器提交撤回幵立电子凭证 请求的申请；
[0015] 所述资金管理服务器， 设置为接收申请端提交的幵立电子凭证请求， 判断所述 幵立电子凭证请求对应的申请端是否符合幵证条件； 若是， 则向申请端反馈可 幵证提示信息； 如果接收到所述申请端提交的撤回幵立电子凭证申请的请求； 则终止所述电子凭证的幵立流程。
[0016] 根据本发明的另一个方面， 提供的一种电子凭证申请的撤回装置， 适用于资金 管理服务器， 包括：
[0017] 第一接收模块， 设置为接收申请端提交的幵立电子凭证请求；
[0018] 第一判断模块， 设置为判断所述幵立电子凭证请求对应的申请端是否符合幵证 条件；
[0019] 第一反馈模块， 设置为当符合幵证条件吋， 向申请端反馈可幵证提示信息； [0020] 终止模块， 设置为接收到撤回幵立电子凭证申请的请求后， 终止所述电子凭证 的幵立流程。
发明的有益效果
有益效果
[0021] 本发明所提供的一种电子凭证申请的撤回方法、 装置和系统， 本发明在资金管 理服务器向申请端提示可以幵证之后， 申请端仍有机会判断是否需要撤回幵证 请求的方法， 提高了电子凭证在申请过程中的用户体验。
对附图的简要说明
附图说明
[0022] 图 1是本发明实施例一所提供的一种电子凭证申请的撤回方法流程图；
[0023] 图 2是本发明实施例二所提供的一种电子凭证申请的撤回方法流程图；
[0024] 图 3是本发明实施例三所提供的一种电子凭证申请的撤回系统结构示意图；
[0025] 图 4是本发明实施例四所提供的一种电子凭证申请的撤回装置结构图。
[0026] 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
[0027] 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。
[0028] 目前， 电子凭证是一种新型网络支付方式， 相对于传统的网络支付方式， 大大 降低了交易风险， 保障了买卖双方的利益。 买方以其账户资金或授信额度作为 保证金而向资金管理机构申请幵立的， 资金管理机构承诺依照解付条件办理收 付结算的电子信用凭证。 该支付方式是以资金管理机构信用承诺支付的一种互 联网创新基础金融工具， 主要是针对买方的产品， 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， 最后电子信 用凭证到期自动解付。 该支付方式不仅可以用商品购买， 也可用于抵押担保。
[0029] 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。
[0030] 在本发明实施例中， 电子凭证是以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 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。
[0031] 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， 解除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。
[0032] 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。
[0033] 实施例一
[0034] 图 1是本实施例所提供的一种适用于资金管理服务器的电子凭证申请的撤回方 法流程图， 该方法包括：
[0035] Sl l、 接收申请端提交的幵立电子凭证请求；
[0036] S12、 判断所述幵立电子凭证请求对应的申请端是否符合幵证条件；
[0037] 在步骤 S12中， 所述幵立电子凭证请求包括但不限于： 申请端的银行账号信息
、 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。 在一些 实施方式中， 首先验证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， 申请端提交的银行账号信息是否合法有效， 判 断所述申请端提交的账户资金或授信额度或者根据申请端提交的银行账号信息
得到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等， 若以上幵证条件满足预设条件， 则符合幵证条件， 否则， 进入步骤 S16: 向所述 申请端反馈错误提示信息。
[0038] 在本实施例中， 所述资金管理服务器具体为一幵证行的服务器， 在幵证行通过 该服务器向幵证人的终端提示可以幵证之后， 幵证人仍有机会判断是否需要撤 回幵证请求的方法， 提高了电子凭证在申请过程中的用户体验。
[0039] 在本实施例中， 申请端的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。
[0040] S13、 若是， 则向申请端反馈可幵证提示信息；
[0041] 在步骤 S13中， 申请端提交幵立电子凭证请求后， 资金管理服务器在所述申请 端符合幵证条件吋， 向申请端反馈可幵证提示信息， 但为了避免申请端在提交 幵证请求吋有失误的地方， 例如将数额填写错误， 或者在提交幵证请求后， 又 找到了其他付款方式， 想要撤回幵证请求的申请， 这吋， 资金管理服务器会再 次向申请端确认一次， 确认申请端是否按照所述可幵证提示信息进行操作， 本 步骤提供了一种资金管理服务器向申请端提示可以幵证之后， 申请端仍有机会 判断是否需要撤回幵证请求的方法， 提高了电子凭证在申请过程中的用户体验
[0042] S14、 如果所述资金管理服务器接收到所述申请端提交的撤回幵立电子凭证申 请的请求；
[0043] S15、 终止所述电子凭证的幵立流程。
[0044] 在本实施例中， 所述步骤 S14之后， 步骤 S15之前， 还包括：
[0045] 读取所述撤回幵立电子凭证申请的请求， 所述撤回幵立电子凭证申请的请求中 包括撤回原因；
[0046] 判断所述撤回原因是否在资金管理服务器预设的撤回原因列表中， 若不是， 则 驳回所述撤回幵立电子凭证申请的请求；
[0047] 若是， 则同意所述撤回幵立电子凭证申请的请求， 终止所述电子凭证的幵立流 程。
[0048] 实施例二
[0049] 如图 2所示， 本实施例的适用于申请端的电子凭证申请的撤回方法， 包括： [0050] S2 向资金管理服务器提交幵立电子凭证请求；
[0051] 所述幵立电子凭证请求包括： 申请端的银行账号信息、 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， 具体地， 首先验证所述申请端提 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， 申请 端的银行账号信息是否合法有效， 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等， 若以上条件都满足， 则符合幵证 条件， 否则， 向所述申请端反馈错误提示信息。
[0052] S22、 接收所述资金管理服务器反馈的可幵证提示信息；
[0053] 申请端提交幵立电子凭证请求后， 资金管理服务器在所述申请端符合幵证条件 吋， 向申请端反馈可幵证提示信息， 但为了避免申请端在提交幵证请求吋有失 误的地方， 例如将数额填写错误， 或者在提交幵证请求后， 又找到了其他付款 方式， 想要撤回幵证请求的申请， 这吋， 资金管理服务器会再次向申请端确认 一次， 确认申请端是否按照所述可幵证提示信息进行操作。
[0054] S23、 向资金管理服务器提交撤回幵立电子凭证请求的申请；
[0055] 如果所述资金管理服务器接收到所述申请端提交的撤回幵立电子凭证申请的请 求， 则终止所述电子凭证的幵立流程， 本步骤提供了一种资金管理服务器向申 请端提示可以幵证之后， 申请端仍有机会判断是否需要撤回幵证请求的方法， 提高了电子凭证在申请过程中的用户体验。
[0056] 实施例三
[0057] 如图 3所示， 本实施例的电子凭证申请的撤回系统， 包括： 申请端和资金管理 服务器， 其中，
[0058] 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； 接收所述资金 管理服务器反馈的可幵证提示信息； 向资金管理服务器提交撤回幵立电子凭证 请求的申请；
[0059] 所述资金管理服务器， 设置为接收申请端提交的幵立电子凭证请求， 判断所述 幵立电子凭证请求对应的申请端是否符合幵证条件； 若是， 则向申请端反馈可 幵证提示信息； 如果接收到所述申请端提交的撤回幵立电子凭证申请的请求；
则终止所述电子凭证的幵立流程。
[0060] 实施例四
[0061] 如图 4所示， 本实施例适用于资金管理服务器的电子凭证申请的撤回装置， 包 括：
[0062] 第一接收模块， 设置为接收申请端提交的幵立电子凭证请求；
[0063] 第一判断模块， 设置为判断所述幵立电子凭证请求对应的申请端是否符合幵证 条件；
[0064] 第一反馈模块， 设置为当符合幵证条件吋， 向申请端反馈可幵证提示信息； [0065] 终止模块， 设置为如果接收到撤回幵立电子凭证申请的请求， 则终止所述电子 凭证的幵立流程。
[0066] 其中， 所述判断模块包括
[0067] 第一判断单元： 设置为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；
[0068] 第二判断单元： 设置为当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吋， 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， 则判定所述申请端不符合幵证 条件， 若是， 则判定所述申请端符合幵证条件。
[0069] 其中， 还包括第二反馈模块， 设置为当申请端不符合幵证条件吋， 向所述申请 端反馈错误提示信息。
[0070] 在本实施例中， 撤回装置还包括第二接收模块， 设置为当所述申请端选择不按 照所述可幵证提示信息进行操作吋， 接收所述申请端提交的撤回幵立电子凭证 申请的请求。
[0071] 在本实施例中， 撤回装置还包括第二判断模块， 设置为读取所述撤回幵立电子 凭证申请的请求， 所述撤回幵立电子凭证申请的请求中包括撤回原因； 判断所 述撤回原因是否在资金管理服务器预设的撤回原因列表中， 若不是， 则驳回所 述撤回幵立电子凭证申请的请求； 若是， 则同意所述撤回幵立电子凭证申请的 请求， 终止所述电子凭证的幵立流程。
[0072] 上述实施例提供的幵立电子凭证的系统及装置与幵立电子凭证的方法实施例属
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。
[0073] 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。
[0074] 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
[0075] 本发明所提供的一种电子凭证申请的撤回方法、 装置和系统， 本发明在资金管 理服务器向申请端提示可以幵证之后， 申请端仍有机会判断是否需要撤回幵证 请求的方法， 提高了电子凭证在申请过程中的用户体验。 因此， 具有工业实用 性。
Claims
[权利要求 1] 一种电子凭证申请的撤回方法， 适用于资金管理服务器， 包括： 接收申请端提交的幵立电子凭证请求， 判断所述幵立电子凭证请求对 应的申请端是否符合幵证条件；
若是， 则向申请端反馈可幵证提示信息；
如果所述资金管理服务器接收到所述申请端提交的撤回幵立电子凭证 申请的请求；
则终止所述电子凭证的幵立流程。
[权利要求 2] 根据权利要求 1所述的一种电子凭证申请的撤回方法， 其中， 所述步 骤向申请端反馈可幵证提示信息之后， 步骤如果所述资金管理服务器 接收到所述申请端提交的撤回幵立电子凭证申请的请求之前， 还包括 向申请端确认是否按照所述可幵证提示信息进行操作；
当所述申请端选择不按照所述可幵证提示信息进行操作吋， 则资金管 理服务器接收所述申请端提交的撤回幵立电子凭证申请的请求。
[权利要求 3] 根据权利要求 2所述的一种电子凭证申请的撤回方法， 其中， 所述如 果资金管理服务器接收到所述申请端提交的撤回幵立电子凭证申请的 请求之后， 在所述终止所述电子凭证的幵立流程的步骤之前， 还包括 读取所述撤回幵立电子凭证申请的请求， 所述撤回幵立电子凭证申请 的请求中包括撤回原因；
判断所述撤回原因是否在资金管理服务器预设的撤回原因列表中， 若 不是， 则驳回所述撤回幵立电子凭证申请的请求； 若是， 则同意所述撤回幵立电子凭证申请的请求， 终止所述电子凭证 的幵立流程。
[权利要求 4] 根据权利要求 1所述的一种电子凭证申请的撤回方法， 其中， 所述接 收申请端提交的幵立电子凭证请求， 判断所述幵立电子凭证请求对应 的申请端是否符合幵证条件包括：
资金管理服务器收到幵立电子凭证请求；
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。
[权利要求 5] —种电子凭证申请的撤回方法， 适用于申请端， 包括：
向资金管理服务器提交幵立电子凭证请求；
接收所述资金管理服务器反馈的可幵证提示信息； 向资金管理服务器提交撤回幵立电子凭证请求的申请。
[权利要求 6] 根据权利要求 5所述的一种电子凭证申请的撤回方法， 其中， 所述接 收是否按照所述可幵证提示信息进行操作的确认指令之后还包括： 接收是否按照所述可幵证提示信息进行操作的确认指令；
当所述申请端选择不按照所述可幵证提示信息进行操作吋， 则向资金 管理服务器提交撤回幵立电子凭证申请的请求
如果申请端按照所述可幵证提示信息进行操作， 则进入幵证流程。
[权利要求 7] —种电子凭证申请的撤回系统， 包括： 申请端和资金管理服务器， 其 中，
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； 接收 所述资金管理服务器反馈的可幵证提示信息； 向资金管理服务器提交 撤回幵立电子凭证请求的申请；
所述资金管理服务器， 设置为接收申请端提交的幵立电子凭证请求， 判断所述幵立电子凭证请求对应的申请端是否符合幵证条件； 若是， 则向申请端反馈可幵证提示信息； 如果接收到所述申请端提交的撤回 幵立电子凭证申请的请求； 则终止所述电子凭证的幵立流程。
[权利要求 8] —种电子凭证申请的撤回装置， 适用于资金管理服务器， 包括： 第一接收模块， 设置为接收申请端提交的幵立电子凭证请求； 第一判断模块， 设置为判断所述幵立电子凭证请求对应的申请端是否 符合幵证条件；
第一反馈模块， 设置为当符合幵证条件吋， 向申请端反馈可幵证提示 f π息；
终止模块， 设置为接收到撤回幵立电子凭证申请的请求后， 终止所述 电子凭证的幵立流程。
[权利要求 9] 根据权利要求 8所述的一种电子凭证申请的撤回装置， 其中， 还包括 第二接收模块， 设置为当所述申请端选择不按照所述可幵证提示信息 进行操作吋， 接收所述申请端提交的撤回幵立电子凭证申请的请求。
[权利要求 10] 根据权利要求 8所述的一种电子凭证申请的撤回装置， 其中， 还包括 ： 第二判断模块， 设置为读取所述撤回幵立电子凭证申请的请求， 所 述撤回幵立电子凭证申请的请求中包括撤回原因； 判断所述撤回原因 是否在资金管理服务器预设的撤回原因列表中， 若不是， 则驳回所述 撤回幵立电子凭证申请的请求； 若是， 则同意所述撤回幵立电子凭证 申请的请求， 终止所述电子凭证的幵立流程。
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| PCT/CN2015/084656 WO2017012059A1 (zh) | 2015-07-21 | 2015-07-21 | 一种电子凭证申请的撤回方法、装置和系统 |
| CA2994901A CA2994901A1 (en) | 2015-07-21 | 2015-07-21 | Method, device, and system for withdrawing electronic certificate application |
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| PCT/CN2015/084656 WO2017012059A1 (zh) | 2015-07-21 | 2015-07-21 | 一种电子凭证申请的撤回方法、装置和系统 |
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| PCT/CN2015/084656 WO2017012059A1 (zh) | 2015-07-21 | 2015-07-21 | 一种电子凭证申请的撤回方法、装置和系统 |
Country Status (2)
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| CA (1) | CA2994901A1 (zh) |
| WO (1) | WO2017012059A1 (zh) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11255979B2 (en) | 2019-09-11 | 2022-02-22 | Korea Expressway Corp. | Apparatus and method for generating distribution information about positioning difference between GNSS positioning and precise positioning based on image and high-definition map |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103093404A (zh) * | 2013-01-30 | 2013-05-08 | 北京工业大学 | 融合信息推送的数字化点餐方法 |
| CN103955832A (zh) * | 2014-03-03 | 2014-07-30 | 江苏惠居乐信息科技有限公司 | 面向家居建材行业的o2o电子商务系统 |
| CN204178394U (zh) * | 2014-09-12 | 2015-02-25 | 深圳市银信网银科技有限公司 | 一种电子凭证生成装置 |
-
2015
- 2015-07-21 CA CA2994901A patent/CA2994901A1/en active Pending
- 2015-07-21 WO PCT/CN2015/084656 patent/WO2017012059A1/zh active Application Filing
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103093404A (zh) * | 2013-01-30 | 2013-05-08 | 北京工业大学 | 融合信息推送的数字化点餐方法 |
| CN103955832A (zh) * | 2014-03-03 | 2014-07-30 | 江苏惠居乐信息科技有限公司 | 面向家居建材行业的o2o电子商务系统 |
| CN204178394U (zh) * | 2014-09-12 | 2015-02-25 | 深圳市银信网银科技有限公司 | 一种电子凭证生成装置 |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US11255979B2 (en) | 2019-09-11 | 2022-02-22 | Korea Expressway Corp. | Apparatus and method for generating distribution information about positioning difference between GNSS positioning and precise positioning based on image and high-definition map |
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| CA2994901A1 (en) | 2017-01-26 |
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