WO2017012062A1 - 开立电子凭证的方法、装置和系统 - Google Patents
开立电子凭证的方法、装置和系统 Download PDFInfo
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- WO2017012062A1 WO2017012062A1 PCT/CN2015/084659 CN2015084659W WO2017012062A1 WO 2017012062 A1 WO2017012062 A1 WO 2017012062A1 CN 2015084659 W CN2015084659 W CN 2015084659W WO 2017012062 A1 WO2017012062 A1 WO 2017012062A1
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- WO
- WIPO (PCT)
- Prior art keywords
- payer
- request
- terminal
- information
- payment
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Classifications
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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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
Definitions
- the present invention relates to the field of network payment technologies, and in particular, to a method, apparatus, and system for establishing an electronic voucher.
- 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 a method, apparatus and system for establishing an electronic voucher, aiming at reducing transaction risk and improving the flexibility and efficiency of electronic voucher standing.
- the present invention provides a method for applying an electronic voucher to a fund management server, comprising the steps of:
- the electronic voucher is established after freezing the corresponding amount of funds or the credit line in the account of the second payer.
- the present invention also provides a method for applying an electronic voucher to a certificate terminal, comprising the steps of:
- the present invention provides an apparatus for applying an electronic voucher to a fund management server, comprising: [0017] a first authentication module, configured to send a certificate request and a first payment terminal according to a certificate terminal The first payer information sent begins to stand up for the electronic voucher;
- a change module configured to receive a change payer request sent by the certificate terminal or the first payment terminal, and agree to change the payer's feedback to agree to change the payer's information, and receive Second payer information sent by the second payment terminal;
- a verification module configured to verify the second payer information
- the second certificate module is configured to: after the second payer information is verified to pass, freeze the corresponding amount of funds in the second payer account or credit the electronic voucher.
- the present invention also provides an apparatus for applying an electronic voucher to a certificate terminal, comprising:
- the payment requesting module is configured to send a request to the first payment terminal as a request for the electronic voucher payer, and when receiving the information sent by the first payment terminal as the electronic voucher payer, notify the authentication request module ;
- the certificate requesting module is configured to send a certificate request to the fund management server, and notify the first payment terminal, so that the first payment terminal sends the first payer information to the fund management server;
- a first change request module configured to send a change payer request to the fund management server during the verification process; and after receiving the information sent by the fund management server to agree to change the payer, to the second The payment terminal sends a change payer request to cause the second payment terminal to send the second payer information to the fund management server.
- the present invention also provides a system for establishing an electronic voucher, comprising: a certificate terminal, a first payment terminal, a second payment terminal, and a fund management server, wherein:
- the authentication terminal is configured to send a request to the first payment terminal as a request for an electronic voucher payer; after receiving the information sent by the first payment terminal as the electronic voucher payer,
- the fund management server sends a certificate request, and notifies the first payment terminal; in the process of issuing a certificate, sends a change payer request to the fund management server; and receives the agreement to send the fund management server to change the payer After the information, sending a change payer request to the second payment terminal;
- the first payment terminal is configured to, according to the request sent by the verification card, as the electronic voucher payer's request feedback to agree as the electronic voucher payer; receiving the sent funds sent by the card terminal After the management server sends the notification of the certification request, the first payer information is sent to the fund management server.
- the second payment terminal is configured to send the second payer information to the fund management server according to the change payer request sent by the certificate terminal;
- the money management server is configured to start the execution of the electronic voucher according to the request for verification by the certificate terminal and the first payment person information sent by the first payment terminal; Receiving a change payer request sent by the certificate terminal or the first payment terminal, agreeing to change the payer's feedback to agree to change the payer's information; receiving the second payer information sent by the second payment terminal and The verification is performed, and after the verification is passed, the electronic voucher is established after freezing the corresponding amount of funds or the credit line in the account of the second payer.
- the method, device and system for establishing an electronic voucher provided by the invention can establish an electronic voucher with a promised payment function, reduce the transaction risk of the buyer and the seller, and allow the electronic voucher to be established In the process, the request to change the electronic voucher payer is subsequently proposed, and there is no need to re-submit the electronic The request for the certificate increases the flexibility and efficiency of the electronic certificate.
- FIG. 1 is a flow chart of a first embodiment of a method for arranging an electronic voucher according to the present invention
- FIG. 2 is a schematic diagram of interaction of each main body of an electronic voucher in an embodiment of the present invention.
- FIG. 3 is a flowchart of the fund management server verifying the second payer information in the embodiment of the present invention.
- FIG. 4 is a flow chart of a second embodiment of a method for arranging an electronic voucher according to the present invention.
- FIG. 5 is a flow chart of a third embodiment of a method for arranging an electronic voucher according to the present invention.
- FIG. 6 is a block diagram showing an embodiment of a system for arranging an electronic voucher according to the present invention.
- FIG. 7 is a block diagram showing a first embodiment of an apparatus for arranging an electronic voucher according to the present invention.
- FIG. 8 is a block diagram of a second embodiment of the apparatus for arranging an electronic voucher according to the present invention.
- FIG. 9 is a block diagram showing a third embodiment of the apparatus for arranging an electronic voucher according to the present invention.
- FIG. 10 is a block diagram showing a fourth embodiment of the apparatus for arranging an electronic voucher according to 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 first payer and the second payer are the electronic voucher at the request of the witness
- the payer with the funds or credit line of the account as the deposit, provides the guarantee for the witness to establish the electronic certificate, which may be a natural person, a legal person or another organization
- the first payer and the second payer are the first payer and The terminal held by the second payer.
- the electronic voucher is actually the fund management server that registers the frozen funds under the account of the witness.
- 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 voluntarily apply for 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 After the certificate holder performs the contract, 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 certificate receiving institution After the witnesses sign the goods, that is, the certificate holder completes the transaction conditions corresponding to the electronic certificate according to the payment conditions of the electronic certificate, the certificate receiving institution requests the card issuing institution to apply for payment.
- the defamation institution cancels the freezing of funds for the witness account, transfers the funds to the collection agency, and the collection agency transfers the funds to the recipient's account.
- 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 a method for establishing an electronic voucher according to the present invention is provided.
- the method in this embodiment is applied to a fund management server, and the method includes the following steps:
- the certificate terminal first sends a request to the first payment terminal to request the first payment terminal as the electronic certificate payer; after receiving the request, the first payment terminal agrees to pay as the electronic certificate.
- the person sends the consent information to the card terminal; after receiving the consent information, the card terminal sends a request for the certificate to the fund management server, the card request includes the amount of the card and the identity information of the witness; the fund management server receives The certificate request sent by the card terminal; the card terminal sends a notification of the issued certificate request to the first payment terminal; the first payment terminal sends the first payer information to the fund management server by logging in the corresponding webpage, application, or the like.
- the first payer information includes the identity information of the first payer, the account name, and the account amount; after receiving the first payer information, the fund management server starts the electronic voucher according to the request for confirmation and the first payer information. Including, verifying the identity information and account name of the first payer, verifying whether the account amount of the first payer is Jian card than or equal to the amount, of which the amount of fund balance account or line of credit balance of the account.
- step S12 Receive a change payer request, and determine whether to agree to change the payer. When it is agreed to change the payer, step S13 is performed; otherwise, the process ends, or the feedback refuses to change the payer information, and asks whether to continue to establish the electronic voucher according to the first payer information.
- the card terminal can then propose to the fund management server to change the payer's request.
- the certificate terminal sends a change payer request to the fund management server, and after receiving the change payer request, the fund management server checks whether the request meets the conditions, including The daytime conditions (such as whether it is before the successful completion of the electronic voucher) or other prohibitive conditions, etc., agree to change the payer when the review is passed, and do not agree to change the payer when the review fails.
- the daytime conditions such as whether it is before the successful completion of the electronic voucher
- other prohibitive conditions, etc. agree to change the payer when the review is passed, and do not agree to change the payer when the review fails.
- the request to change the payer may also be made by the first payment terminal to the money management server.
- the first payment terminal sends a change payer request to the fund management server, and after receiving the change payer request, the fund management server checks whether the request meets the condition, and agrees to change the payer after the approval is passed. If the review fails, the change payer is refused. [0066] S13. The feedback agrees to change the information of the payer.
- the fund management server feeds back to the card terminal (or the certificate terminal and the first payment terminal) to agree to change the payer's information.
- the fund management server feeds back to the first payment end to agree to change the information of the payer, and the first payment end sends the consent information to the certificate end.
- the fund management server may also feed back to the first payment terminal and the certificate terminal to agree to change the information of the payer.
- step S14 Receive second party information sent by the second payment terminal and perform verification. When the verification passes, step S15 is performed; when the verification fails, the process ends, and the peer can also feed back the failure information of the electronic certificate to the certificate terminal (or the second payment terminal, or the certificate terminal and the second payment terminal). .
- the certificate terminal after receiving the information that agrees to change the payer, the certificate terminal sends a change payer request to the second payer, and when the second payer agrees to act as the electronic voucher payer, The second payer sends the second payer information to the fund management server, and can simultaneously feed back the consent information to the card terminal, and the card terminal notifies the first payer to apply for the change of the payer.
- the fund management server After receiving the second payer information, the fund management server terminates the process of establishing the electronic voucher according to the first payer information, and then proceeds to establish the electronic voucher according to the second payer information, that is, the second payment People information is verified.
- the process by which the money management server verifies the second payer information will be described in detail later.
- step S15 after the second payer information is verified, the fund management server freezes the amount of funds or credits in the second payer account equal to the amount of the credit card, and sets up the electronic certificate. It is also possible to further inform the card terminal (or the certificate terminal and the second payment terminal) that the electronic certificate is successful.
- step S16 may also be omitted.
- step S14 the process for the fund management server to verify the second payer information is specifically as shown in FIG. 3, and includes the following steps:
- step S141 Verify identity information and an account name of the second payer.
- step S142 is performed; otherwise, the verification fails.
- step S142 Verify the account amount of the second payer, and determine whether the account amount of the second payer is greater than or equal to the amount of the license. When the account amount is greater than or equal to the amount of the certificate, the verification is passed; otherwise, the verification fails. Among them, the account amount is the fund balance of the account or the credit line balance.
- the electronic voucher payer may make two or more changes before successful verification.
- the certificate terminal or the second payment terminal may also request the fund management server to make a second change to the electronic certificate payer, and after the second change is made, before the electronic certificate is successfully established, A third change can be made, and so on.
- FIG. 4 and FIG. 2 a second embodiment of the method for establishing an electronic voucher according to the present invention is provided.
- the method in this embodiment is applied to the authentication terminal, and the method includes the following steps:
- the first payment terminal after receiving the request, if the first payment terminal agrees to be the electronic certificate payer, the first payment terminal sends the consent information to the certificate terminal; after receiving the consent information, the certificate terminal sends The fund management server sends a request for a certificate, and the request for the certificate includes the amount of the certificate and the identity information of the witness.
- the certificate terminal after sending the certificate request to the fund management server, the certificate terminal sends a notification of the issued certificate request to the first payment terminal, so that the first payment terminal passes the corresponding webpage.
- the application or the like sends the first payer information to the fund management server, and the fund management server accordingly performs the electronic certificate.
- step S24 before the electronic voucher is successfully established in the process of proving the certificate, the card terminal can then send a request to the fund management server to change the payer.
- the fund management server verifies whether the request meets the condition, and when the audit is passed, feedback to the card terminal to agree to change the information of the payer. Proof After receiving the consent information, sending a change payer request to the second payment terminal, so that the second payment terminal sends the second payer information to the fund management server, and the fund management server performs the electronic certificate standing according to the second payer information. .
- the card terminal can also notify the first payment terminal that it has applied to change the payer.
- FIG. 5 and FIG. 2 a third embodiment of the method for establishing an electronic voucher according to the present invention is provided.
- the method in this embodiment is applied to a first payment terminal, and the method includes the following steps:
- the first payer information includes identity information of the first payer, an account name, and an account amount.
- the account amount is the fund balance of the account or the credit line balance.
- step S33 before the electronic voucher is successfully established, the first payment terminal may send a request to change the payer to the fund management server.
- the fund management server verifies whether the request meets the condition, and when the approval is passed, the first payment end (or the first payment end and the first payment end) Feedback agrees to change the payer's information. Further, after receiving the consent information, the first payment terminal may further forward the consent information to the certificate terminal.
- the witness, the first payer, and the second payer are three different subjects, that is, the third party, the first payment terminal, and the second payment terminal are three different terminals.
- the witness is the first payer, that is, the witness uses the account as a guarantee to apply for the establishment of the electronic certificate to the fund management institution.
- the certificate terminal and the first payment terminal are the same terminal, and the certificate terminal directly sends the witness request and the identity information, the account name and the account amount of the witness to the fund management server.
- the card terminal proposes to change the electronic certificate payer to another subject (ie the second payer) to the fund management server.
- the witness is a second payer. That is, the witness first applies the other entity (ie the first payer) as the electronic voucher to the fund management server to apply for the electronic voucher.
- the witness or the first payer can then submit to the fund management agency. Change the electronic certificate payer to the witness.
- the certificate terminal and the second payment terminal are the same terminal.
- the method for establishing an electronic voucher in the process of establishing an electronic voucher, may present to the fund management institution a payer who changes the electronic voucher without having to resubmit the electronic voucher request.
- payment through electronic voucher reduces transaction risk; on the other hand, it increases the flexibility and efficiency of the electronic voucher.
- the system includes a certificate terminal, a first payment terminal, a second payment terminal, and a fund management server, wherein:
- certificate end set to send a request to the first payment end as a request for the electronic voucher payer, and receive feedback information of the first payment end; when the feedback information of the first payment end is agreed to be the electronic voucher payer, The fund management server sends a certificate request and notifies the first payment terminal; in the process of the certificate, sends a change payer request to the fund management server; and after receiving the information sent by the fund management server to agree to change the payer, to the second The payment side sends a change to the payer request.
- the first payment terminal is configured to receive the request sent by the verification terminal as a request of the electronic voucher payer, and feedback to agree or reject the information as the electronic voucher payer; receive the directed fund management server sent by the certificate terminal After transmitting the notification of the request for confirmation, the first payer information is sent to the fund management server.
- the first payment terminal may also send a change payer request to the fund management server during the authentication process to receive feedback information of the fund management server. Further, the first payment terminal forwards the feedback information to the certificate terminal.
- the second payment terminal is configured to receive the change payer request sent by the certificate terminal, and send the second payer information to the fund management server when agreeing to be the electronic certificate payer.
- the fund management server is configured to receive the certificate request sent by the certificate terminal and the first payer information sent by the first payment terminal; and initiate the electronic certificate according to the request for confirmation and the first payer information; In the process of receiving the certificate, receiving the change payer request, when agreeing to change the payer, the feedback agrees to change the payer's information; receiving the second payer information sent by the second payer and verifying, when the verification is passed, freezing 2.
- the electronic voucher is established after the corresponding amount of funds or credit line in the payer's account.
- the system for the electronic voucher provided by the above embodiment is the same as the method embodiment of the electronic voucher. The specific implementation process is described in the method embodiment, and the technical features in the method embodiment are in the system embodiment. Both are applicable, and will not be described here.
- a first embodiment of an apparatus for arranging an electronic voucher according to the present invention is provided.
- the device of this embodiment is applied to the foregoing fund management server, and includes a first authentication module, a change module, a verification module, and a second authentication certificate. Module, where:
- the first certificate module is configured to receive the certificate request sent by the certificate terminal and the first payer information sent by the first payment terminal, and start the electronic certificate according to the certificate request and the first payer information. Standing.
- a change module configured to receive a change payer request sent by the certificate terminal or the first payment terminal during the verification process, and when agreeing to change the payer, feedback agrees to change the payment person's information, and receives the second payment The second payer information sent by the end.
- the change module receives the change payer request sent by the certificate terminal or the first payment terminal, the change payer request is reviewed, and when the audit is passed, the feedback agrees to change the payer's information.
- the verification module is configured to: verify the second payer information, the second payer information includes the second payer's identity information, the account name and the account amount, and when the verification is passed, freeze the corresponding amount of funds in the second payer account Or hold an electronic voucher after credit.
- the first authentication module first verifies the identity information and the account name of the second payer; and after verifying the identity information and the account name of the second payer, verifying whether the account amount of the second payer is greater than Or equal to the amount of the certificate; when the amount of the second payer's account is greater than or equal to the amount of the certificate, the verification is successful; otherwise, the verification fails.
- the account amount is the balance of the account's funds or the credit line balance
- the second certificate module is configured to: after the second payer information is verified to pass, freeze the corresponding amount of funds or the credit line in the account of the second payer, and then set up the electronic certificate.
- FIG. 8 is a second embodiment of the apparatus for arranging an electronic voucher according to the present invention.
- the device of the embodiment is also applied to the foregoing fund management server.
- the difference between this embodiment and the first embodiment is that an update is added.
- the update module is set to update the status of the electronic voucher after the electronic voucher is established.
- the witness is the first payer, and the first and second payment terminals are the same terminal.
- the witness is the second payer, and the second terminal and the second payment terminal are the same terminal.
- the device includes a payment requesting module, a certificate requesting module, and a first change requesting module, where:
- a payment requesting module configured to send a request to the first payment terminal as a request for the electronic voucher payer, and receive feedback information of the first payment terminal, and when the feedback information is information that the first payer agrees to be the electronic voucher payer , notify the request module.
- the certificate requesting module is configured to: when the first payer agrees to act as the electronic certificate payer, send a request for the certificate to the fund management server, and notify the first payment terminal, so that the first payment terminal sends the fund to the fund management server First payer information.
- a first change request module configured to send a change payer request to the fund management server during the verification process; and send a change to the second payment terminal after receiving the information sent by the fund management server to agree to change the payer The payer requests the second payer to send the second payer information to the fund management server.
- a fourth embodiment of the apparatus for arranging an electronic voucher according to the present invention is provided.
- the device of this embodiment is applied to the first payment terminal, and the device includes a payment request feedback module, a payment information sending module, and a second Change the request module, where:
- a payment request feedback module configured to receive a request sent by the certificate terminal as a request of the electronic certificate payer
- the feedback agrees as the electronic voucher payer's information, otherwise it will not respond or feedback the information disagreeing as the electronic voucher payer;
- a payment information sending module configured to send the first payer information to the fund management server after receiving the notification that the certificate terminal has sent the certificate request to the fund management server;
- the second change request module is configured to send a change payer request to the fund management server, and receive feedback information of the fund management server. Further, the second change request module forwards the feedback information to the certificate terminal.
- the device for the electronic voucher provided by the above embodiment is the same as the method embodiment of the electronic voucher.
- the specific implementation process is described in the method embodiment, and the technical features in the method embodiment are in the device embodiment. Both are applicable, and will not be described here.
- the apparatus for arranging an electronic voucher of the present invention can promptly propose a payer who changes the electronic voucher in the process of establishing an electronic voucher, without resubmitting the electronic voucher request.
- a payer who changes the electronic voucher in the process of establishing an electronic voucher, without resubmitting the electronic voucher request.
- the payment of the certificate reduces the risk of trading; on the other hand, it increases the flexibility and efficiency of the 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 establishing an electronic voucher provided by the invention can establish an electronic voucher with a promised payment function, reduce the transaction risk of the buyer and the seller, and allow the electronic voucher to be established.
- the request to change the electronic voucher payer is subsequently proposed, and the request for the electronic voucher is not required to be re-introduced, thereby improving the flexibility and efficiency of the electronic voucher standing. Therefore, it has industrial applicability.
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PCT/CN2015/084659 WO2017012062A1 (zh) | 2015-07-21 | 2015-07-21 | 开立电子凭证的方法、装置和系统 |
CA2993108A CA2993108C (en) | 2015-07-21 | 2015-07-21 | Method, device and system for opening electronic certificate |
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PCT/CN2015/084659 WO2017012062A1 (zh) | 2015-07-21 | 2015-07-21 | 开立电子凭证的方法、装置和系统 |
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Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
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US20010037318A1 (en) * | 2000-05-26 | 2001-11-01 | Helena Lindskog | Third party payment in e-commerce |
CN103123706A (zh) * | 2011-11-18 | 2013-05-29 | 中兴通讯股份有限公司 | 账单代付管理方法、装置及系统 |
CN103827903A (zh) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | 一种利用网络支付的方法及系统 |
CN104616141A (zh) * | 2014-11-27 | 2015-05-13 | 深圳市腾讯计算机系统有限公司 | 信息处理方法及支付平台 |
CN104753906A (zh) * | 2013-12-31 | 2015-07-01 | 腾讯科技(深圳)有限公司 | 转移数据方法、装置和系统 |
-
2015
- 2015-07-21 CA CA2993108A patent/CA2993108C/en active Active
- 2015-07-21 WO PCT/CN2015/084659 patent/WO2017012062A1/zh active Application Filing
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20010037318A1 (en) * | 2000-05-26 | 2001-11-01 | Helena Lindskog | Third party payment in e-commerce |
CN103123706A (zh) * | 2011-11-18 | 2013-05-29 | 中兴通讯股份有限公司 | 账单代付管理方法、装置及系统 |
CN103827903A (zh) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | 一种利用网络支付的方法及系统 |
CN104753906A (zh) * | 2013-12-31 | 2015-07-01 | 腾讯科技(深圳)有限公司 | 转移数据方法、装置和系统 |
CN104616141A (zh) * | 2014-11-27 | 2015-05-13 | 深圳市腾讯计算机系统有限公司 | 信息处理方法及支付平台 |
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CA2993108C (en) | 2020-11-24 |
CA2993108A1 (en) | 2017-01-26 |
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