WO2017012073A1

WO2017012073A1 - Electronic certificate issuing notification method, device and system

Info

Publication number: WO2017012073A1
Application number: PCT/CN2015/084696
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Also published as: CA2994875A1; CA2994875C

Abstract

An electronic certificate issuing notification method, device and system. The electronic certificate issuing notification method comprises: receiving an issuing request, generating a corresponding bank credit certificate according to the issuing request, and generating a notification that the bank credit certificate has been issued (101); sending the has-been-issued notification to a second terminal corresponding to a receiver, or sending the has-been-issued notification to a second funds management server corresponding to a receiving account (102). The method, device and system ensure that the receiver obtains an electronic certificate issuing situation in a timely manner, and reduces the transaction risk for both a buyer and a seller.

Description

Method, device and system for issuing notification of electronic voucher

[Technical Field]

The present invention relates to the field of computer network technologies, and in particular, to a method, device and system for issuing an electronic voucher.

【Background technique】

Payment refers to the payment of money based on economic contracts during trading activities. At present, many banks or enterprises provide online payment services, and the way of online payment provides great convenience for buyers and sellers. Among the existing online payment methods, most of the funds in the buyer's account are directly transferred to the seller's account, or transferred to a third party institution as a guarantee.

The traditional online payment method, after the buyer’s fund transfer instruction is issued, the funds will flow directly. The following situations often occur: the buyer has not received the goods or services provided by the seller, and the funds have been paid by the bank or a third party. After the seller or the seller provides the goods or services, the buyer is unable to pay the corresponding funds; or the buyer transfers the funds to the wrong counterparty account. At present, the online payment method has certain transaction risks and cannot protect the interests of both buyers and sellers.

[Summary of the Invention]

Based on this, it is necessary to provide a method, device and system for issuing an electronic voucher that can reduce the risk of transaction between buyers and sellers in response to the above technical problems.

A method for issuing an electronic voucher, the method being applied to a first fund management server; the method comprising:

Receiving an issuance request, generating a corresponding electronic voucher according to the issuance request, and generating an issued notification of the electronic voucher;

Sending the issued notice to the second terminal corresponding to the recipient; or

Sending the issued notice to the second fund management server corresponding to the certificate receiving account.

A method for issuing an electronic voucher, the method being applied to a second fund management server, the method comprising:

Receiving the issuance information sent by the second terminal, and generating a corresponding issuance request according to the issuance information;

Sending the issuance request to the first fund management server, so that the first fund management server generates a corresponding electronic certificate according to the issuance request, and generates an issued notification of the electronic certificate;

Receiving the issued notification sent by the first fund management server.

An apparatus for issuing an electronic voucher notification device, the device being applied to a first fund management server; the device comprising:

a notification generating module, configured to receive a request for issuance, generate a corresponding electronic voucher according to the issuing request, and generate an issued notification of the electronic voucher;

a first sending module, configured to send the opened card notification to a second terminal corresponding to the recipient, or

An apparatus for issuing an electronic voucher notification device, the device being applied to a second fund management server, the device comprising:

a request generating module, configured to receive the opening information sent by the second terminal, and generate a corresponding issuing request according to the issuing information;

a request sending module, configured to send the issuance request to the first fund management server, so that the first fund management server generates a corresponding electronic voucher according to the issuance request, and generates an issued notification of the electronic voucher;

The notification receiving module is configured to receive the opened notification sent by the first fund management server.

An issuance notification system for an electronic voucher, the system comprising:

a first fund management server, configured to receive a certificate issuing request, generate a corresponding electronic certificate according to the issuance request, and generate an opened certificate notification of the electronic certificate; and send the issued certificate notification to the second terminal corresponding to the certificate holder; Or sending the issued notice to the second fund management server corresponding to the certificate receiving account.

The second terminal is configured to receive an open notification sent by the first fund management server;

The second fund management server is configured to receive the issued certificate notification sent by the first fund management server.

The method, device and system for issuing the above-mentioned electronic voucher are applied to the payment process of the electronic voucher, and the first fund management server generates the issued notification at the first time after the electronic voucher is opened, and notifies the issued certificate in time. Sending out, the time for the recipient to obtain the notification of the issuance is almost the same as the time of generating the electronic voucher, thus ensuring that the recipient can obtain the issuance of the electronic voucher in time, thereby reducing the transaction risk of the buyer and the seller.

[Description of the Drawings]

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the embodiments or the description of the prior art will be briefly described below. Obviously, the drawings in the following description are only It is a certain embodiment of the present invention, and those skilled in the art can obtain drawings of other embodiments according to the drawings without any creative work.

1 is a schematic flow chart of a method for issuing an electronic voucher in an embodiment;

2 is a schematic flow chart of a method for issuing an electronic voucher in an embodiment;

3 is a schematic flow chart of a method for issuing an electronic voucher in an embodiment;

4 is an application scenario diagram of an method for issuing an electronic voucher in an embodiment;

FIG. 5 is a schematic structural diagram of an apparatus for issuing an electronic voucher in an embodiment; FIG.

6 is a schematic structural diagram of an apparatus for issuing an electronic voucher in an embodiment;

7 is a schematic structural diagram of an apparatus for issuing an electronic voucher in an embodiment;

FIG. 8 is a schematic structural diagram of an issuance notification system of an electronic voucher in an embodiment.

【detailed description】

The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

In the embodiment of the present invention, the fund management server is a server of the fund management institution, and the fund management institution refers to an organization capable of supporting capital flow, including but not limited to banks and other financial institutions (such as securities institutions, third-party payment platforms, etc.), that is, The money management server includes a bank server or other financial institution server.

In the embodiment of the present invention, the electronic voucher refers to an electronic credit commitment payment voucher that the fund management server freezes funds according to the application of the issuer or uses the credit line and opens in the name of the fund management institution, and promises to settle according to the agreed conditions.

In the embodiment of the present invention, the issuer (usually the buyer) is the subject of applying for opening an electronic certificate to the fund management institution, and may be a natural person, a legal person or other organization, and the issuing terminal is a terminal held by the issuer.

In the embodiment of the present invention, the payer is the subject of the electronic certificate payer at the request of the issuer, and the fund or the credit line of the account is used as the deposit to provide the guarantee for the issuer to open the electronic certificate, which may be a natural person, a legal person or him. Organization, the first terminal is a terminal held by the payer.

In the embodiment of the present invention, 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 issuer to open the electronic voucher, and when the agreed settlement condition is reached, the fund management institution will release the funds for payment. Settlement. details as follows:

1. After the transaction body forms an order, the issuer (such as the buyer) applies to the issuing authority (that is, the fund management institution that opens the electronic certificate, such as the issuing bank) to apply for the issuance of the certificate. (Of course, the issuer may apply for the issuance of the certificate when a specific transaction order is formed; or the issuer may voluntarily apply for the issuance of the certificate when the transaction order is not formed.).

2. After the issuing institution accepts the application, open the electronic voucher and freeze the corresponding amount of funds or credit line.

3. The recipient (such as the seller) applies to the collection authority (such as the receiving bank) for the receipt.

4. After the verification institution has verified the information, it will receive the certificate. The electronic certificate will enter the performance period, and the certificate holder will perform the contract (if the merchant sends the goods, the contractor can be considered to have performed the contract).

5. After the certificateee 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, waiting for the delivery of the goods and signing the goods.

6. After the issuer signs the goods, that is, the certificate holder completes the transaction conditions corresponding to the electronic voucher according to the payment conditions of the electronic voucher, the entrusting collection institution applies to the issuing institution for settlement.

7. The issuing authority will release the funds for the opener's account and transfer the funds to the collection agency. The collection agency will transfer the funds to the recipient's account.

It should be understood that the above is only one way of using electronic voucher, and it may also be an electronic voucher purchase service. When purchasing a service, such as in a hotel transaction scenario, the hotel reservation was successful, that is, the hotel performed the contract. Of course, electronic vouchers can also be used to allocate funds. The understanding of performance and receipt has also changed in different situations. That is to say, when the merchant provides a commodity or service, the status of the electronic voucher may be directly passed through the performance period and the receipt period, and directly enter the settlement, such as a face-to-face transaction.

As shown in FIG. 1, in an embodiment, a method for issuing an electronic voucher is provided, and the method is applied to a first fund management server; wherein the method comprises the following steps:

Step 101: Receive an issuance request, generate a corresponding electronic voucher according to the issuance request, and generate an issued notification of the electronic voucher.

In this embodiment, the first money management server refers to a server for generating an electronic certificate. For example, if the issuer's issuance account is an account of the construction bank, then the first fund management server is the server used by the construction bank for fund management. The issuance request contains the issuing account, the amount of the issuance, the information of the issuer and the information of the recipient. The issuer information contains the username and password of the issuer's issuance account. The recipient information includes the recipient's contact information and the receiving account that receives the electronic voucher. In order to ensure security, the data carried in the issuance request is encrypted. The corresponding electronic voucher is generated by freezing the funds of the issuing amount in the issuing account, and the issued notification of the electronic voucher is generated.

An electronic voucher is an electronic voucher used to provide financial guarantees to both parties to the transaction. The electronic voucher includes relevant information such as the time of issuance, the amount of the issuance, the account for the issuance, and the conditions for the payment of funds. After the first fund management server verifies that the identity information of the issuer is legal, the funds in the issuance account equal to the amount of the issuance certificate are frozen, and the issuer has no authority to control the funds frozen. The frozen funds can be used by the issuer to include various economic activities such as trading in commodities and mortgage guarantees. After the first fund management server generates the electronic voucher, further, the issued certificate notification of the electronic voucher is generated. The issued notice is used to inform the recipient that the status of the electronic voucher is the issued status.

In one embodiment, the request for issuance is sent by the first terminal corresponding to the issuer. In this embodiment, the buyer and the seller (the issuer and the certificate holder) perform payment settlement according to the normal transaction process, and the buyer needs to obtain the electronic certificate before the transaction with the seller. Specifically, the buyer enters the opening information through the first terminal. Further, the first terminal sends a request for issuing a certificate carrying the issuance information to the first fund management server. The issuance task is completed by the first fund management server.

In another embodiment, the request for issuance is sent by the second terminal corresponding to the recipient. In this embodiment, the certificate holder (seller) issues an offer to the issuer (the buyer), and after the issuer accepts the offer, the issue information is sent to the certificate holder, and the certificate holder sends a certificate request to the first fund management server through the second terminal. .

In another embodiment, in step 101, the step of receiving the issuance request comprises: receiving the issuance request sent by the second fund management server corresponding to the verification account. In this embodiment, the second fund management server acquires the issuance information from the second terminal corresponding to the recipient, and the second fund management server sends a request for issuance to the first fund management server.

Step 102: Send the issued notification to the second terminal corresponding to the recipient; or send the opened notification to the second fund management server corresponding to the collection account.

In this embodiment, the sending of the issuance request may be the first terminal corresponding to the issuer, or may be the second fund management server corresponding to the recipient's collection account. In an embodiment, in order to ensure the security of the funds of the issuing account, it is necessary to first verify whether the information of the issuer is legal. Specifically, the first fund management server determines whether the username and password of the issuer are already stored in the server, and if so, The information of the issuer is legal, otherwise it is illegal and refuses its request for issuance. In an embodiment, the first fund management server may also send an alert message to notify the legitimate user of the card issuing account when verifying that the issuer information is illegal, to remind the other party that the card issuing account may have a security risk.

The issued notice is forwarded in the form of a data message, and the forwarding direction is that the first fund management server sends the opened notice to the second terminal corresponding to the recipient, and then the second terminal forwards the second fund corresponding to the issuing account. The management server, or the first money management server directly sends the issued notification to the second fund management server. In order to ensure the security of data transmission, the notification has been issued to encrypt the transmission process. In one embodiment, when the issuing account and the receiving account are the same type of account, the first fund management server and the second money management server herein refer to the same server. For example, when the issuing account and the receiving account are both accounts of the Construction Bank, the first fund management server and the second fund management server refer to the money management server of the Construction Bank. When the issuing account and the receiving account are not the same type of account, the first fund management server and the second fund management server are different servers.

The method for issuing the electronic voucher is applied to the payment process of the electronic voucher. After the electronic voucher is opened, the first fund management server generates the issued notification at the first time, and sends the issued notification in time. The time for the certificate holder to obtain the issuance notice is almost the same as the time when the electronic certificate is generated, thus ensuring that the certificate holder can obtain the certificate of the electronic certificate in time, thereby reducing the transaction risk of the buyer and the seller.

As shown in FIG. 2, in one embodiment, the method for issuing an electronic voucher further includes the step 103: sending an open notification to the first terminal corresponding to the issuer.

In this embodiment, in addition to notifying the issuer, the issued notification is sent by the first fund management server to the first terminal so that the issuer can grasp the issuance situation in time.

In an embodiment, the issue request includes the recipient information, and in step 102, the sent notification to the second terminal corresponding to the recipient includes: obtaining the contact information of the recipient according to the information of the recipient, and the contact information of the recipient is The issuance notice is sent to the second terminal.

Specifically, the contact information corresponding to the recipient includes, but is not limited to, at least one of the following: a phone, a short message, a two-dimensional code, a mailbox, a fax, and the like. For example, the issued certificate is generated to generate a corresponding two-dimensional code and sent to the recipient's mobile phone, and the recipient can obtain the content of the issued notification by scanning the two-dimensional code.

When the location of the recipient and the server is relatively close, the issued notification can also be sent through the short-range wireless communication technology. Specifically, the short-range wireless communication technologies include, but are not limited to, Bluetooth, infrared, NFC, and light waves. For example, the issuer and the passee are at the same time in the bank to conduct the transaction, and the issuer opens an electronic voucher on the bank's fund management server, and the fund management server directly sends the issued notice to the recipient's mobile phone via Bluetooth.

As shown in FIG. 3, in an embodiment, a method for issuing an electronic voucher is provided, and the method is applied to a second fund management server; the method includes the following steps:

Step 301: Receive the opening information sent by the second terminal, and generate a corresponding issuing request according to the opening information.

Step 302: Send the issuance request to the first fund management server, so that the first fund management server generates a corresponding electronic certificate according to the issuance request, and generates an issued notification of the electronic certificate.

Step 303: Receive an open notification sent by the first fund management server.

In this embodiment, the second fund management server corresponding to the recipient's receipt account actively sends an issuance request to the first fund management server. Specifically, the issuer sends the issue information to the second terminal corresponding to the recipient through the first terminal, and the second terminal forwards the open information to the second fund management server, and the second fund management server generates the certificate request, The second fund management server sends the issuance information to the first fund management server, and the first fund management server completes the issuance of the electronic certificate.

In an embodiment, after receiving the issued notice sent by the first fund management server, the second fund management server further includes: the second fund management server receives the certificate request, and the certificate request carries the certificate information; Whether the recipient information is legal. If yes, sending a receipt notification to the first fund management server; receiving an electronic voucher sent by the first fund management server according to the receipt notification.

In this embodiment, the issuer and the certificate are settled by the electronic voucher. For example, a buyer purchases goods on the seller's online store, the seller has an obligation to deliver the goods, and the buyer has an obligation to deliver the electronic voucher to the seller. The second terminal sends a receipt request to the second fund management server, and the second fund management server completes the certificate receiving task. After the second fund management server obtains the electronic voucher, when the second fund management server receives the goods receipt information sent by the logistics server or the buyer confirms the received goods information sent by the first terminal, the payment of the electronic voucher freeze funds is satisfied. When the condition is further, the second fund management server sends a fund settlement request to the first fund management server, and the first fund management server thaws the frozen funds and transfers to the second fund management server, and then the second fund management server The funds are transferred to the collection account, and the settlement between the buyer and the seller is finally completed.

As shown in FIG. 4, in one embodiment, user A conducts a network transaction with user B through second terminal 20 through first terminal 10. The first terminal 10 sends a request for issuance to the first fund management server 30, and the first fund management server 30 freezes the funds corresponding to the amount of the issuance in the issuance account to generate a corresponding electronic voucher, and generates an open notice. The first money management server 30 will transmit the issued notice to the first terminal 10 and the second money management server 40. The second money management server 40 receives the electronic certificate from the first money management server 20. After the user A and the user B complete the network transaction, the first money management server 30 will unfreeze the funds of the issuance account and transfer it to the collection account through the second fund management server 40.

As shown in FIG. 5, in one embodiment, an apparatus for issuing an electronic voucher is provided, and the device is applied to a first fund management server; the device includes the following modules:

The notification generating module 50 is configured to receive the issuance request, generate a corresponding electronic voucher according to the issuance request, and generate an issued notification of the electronic voucher.

The first sending module 51 is configured to send the issued notification to the second terminal corresponding to the recipient, or send the opened notification to the second fund management server corresponding to the receiving account.

As shown in FIG. 6, in one embodiment, the certificate issuing notification device of the electronic voucher further includes: a second sending module 52, configured to send the opened card notification to the first terminal corresponding to the issuer.

In one embodiment, the request for issuance includes: the recipient information, and the first sending module 61 is further configured to obtain the contact information of the recipient according to the information of the recipient, and send the notified notice to the second terminal by means of the contact information. In one embodiment, the recipient's contact information includes at least one of a telephone, a fax, and an email.

As shown in FIG. 7, in an embodiment, an electronic certificate opening notification device is provided, and the device is applied to a second fund management server, and the device includes:

The request generating module 70 is configured to receive the opening information sent by the second terminal, and generate a corresponding issuing request according to the opening information.

The request sending module 71 is configured to send the issuing request to the first fund management server, so that the first fund management server generates a corresponding electronic certificate according to the issuance request, and generates an issued notification of the electronic certificate.

The notification receiving module 72 is configured to receive the issued notification sent by the first fund management server.

As shown in FIG. 8, in an embodiment, an issuance notification system for an electronic voucher is provided, the system comprising:

The first fund management server 40 is configured to receive a request for issuance, generate a corresponding electronic voucher according to the request for issuance, and generate an issued notification of the electronic voucher; and send the issued notification to the second terminal corresponding to the recipient; or The second fund management server corresponding to the certificate receiving account sends the issued certificate notification.

The second terminal 41 is configured to receive the opened notification sent by the first fund management server.

The second fund management server 42 is configured to receive the issued certificate notification sent by the first fund management server.

In one embodiment, the issue request includes the recipient information, and the first fund management server 40 is further configured to obtain the contact information of the recipient according to the information of the recipient, and send the notified notice to the second terminal by using the contact information of the recipient. The recipient's contact information includes at least one of a telephone, a QR code, a text message, a fax, and a mailbox.

A person skilled in the art can understand that all or part of the process of implementing the above embodiments can be completed by a computer program to instruct related hardware, and the program can be stored in a computer readable storage medium, and the program is executed. At the time, the flow of the embodiment of each of the above methods may be included. The storage medium may be a magnetic disk, an optical disk, or a read-only memory (Read-Only). A nonvolatile storage medium such as a memory or a ROM, or a random access memory (RAM).

The technical features of the above embodiments may be arbitrarily combined. For the sake of brevity of description, all possible combinations of the technical features in the above embodiments are not described. However, as long as there is no contradiction in the combination of these technical features, It is considered to be the range described in this specification.

The above embodiments are merely illustrative of several embodiments of the present invention, and the description thereof is more specific and detailed, but is not to be construed as limiting the scope of the invention. It should be noted that a number of variations and modifications may be made by those skilled in the art without departing from the spirit and scope of the invention. Therefore, the scope of the invention should be determined by the appended claims.

Claims

A method for issuing an electronic voucher, the method being applied to a first fund management server; the method comprising:

Receiving an issuance request, generating a corresponding electronic voucher according to the issuance request, and generating an issued notification of the electronic voucher;

Sending the issued notice to the second terminal corresponding to the recipient; or

Sending the issued notice to the second fund management server corresponding to the certificate receiving account.
The method of claim 1 further comprising:

Sending the issued notice to the first terminal corresponding to the issuer.
The method according to claim 1, wherein the request for the issuance includes the information of the recipient, and the step of transmitting the issued notification to the second terminal corresponding to the recipient includes:

Obtaining the contact information of the recipient according to the information of the recipient, and sending the issued notice to the second terminal by using the contact information of the recipient, the contact information of the recipient includes: a phone, a QR code, a short message, a fax, and At least one of the mailboxes.
A method for issuing an electronic voucher, the method being applied to a second fund management server, the method comprising:

Receiving the issuance information sent by the second terminal, and generating a corresponding issuance request according to the issuance information;

Sending the issuance request to the first fund management server, so that the first fund management server generates a corresponding electronic certificate according to the issuance request, and generates an issued notification of the electronic certificate;

Receiving the issued notification sent by the first fund management server.
An apparatus for issuing an electronic voucher notification device, characterized in that the device is applied to a first fund management server; the device comprises:

a notification generating module, configured to receive a request for issuance, generate a corresponding electronic voucher according to the issuing request, and generate an issued notification of the electronic voucher;

a first sending module, configured to send the opened card notification to a second terminal corresponding to the recipient, or

Sending the issued notice to the second fund management server corresponding to the certificate receiving account.
The device according to claim 5, wherein the device further comprises: a second sending module, configured to send the issued notification to the first terminal corresponding to the issuer.
The device according to claim 5, wherein the request for issuance includes the information of the recipient, and the first sending module is further configured to obtain the contact information of the recipient according to the information of the recipient, by the recipient The contact information is sent to the second terminal, and the contact information of the recipient includes at least one of a telephone, a fax, and an email.
An apparatus for issuing an electronic voucher notification device, wherein the device is applied to a second fund management server, the device comprising:

a request generating module, configured to receive the opening information sent by the second terminal, and generate a corresponding issuing request according to the issuing information;

a request sending module, configured to send the issuance request to the first fund management server, so that the first fund management server generates a corresponding electronic voucher according to the issuance request, and generates an issued notification of the electronic voucher;

The notification receiving module is configured to receive the opened notification sent by the first fund management server.
An issuance notification system for an electronic voucher, characterized in that the system comprises:

a first fund management server, configured to receive a certificate issuing request, generate a corresponding electronic certificate according to the issuance request, and generate an opened certificate notification of the electronic certificate; and send the issued certificate notification to the second terminal corresponding to the certificate holder; Or sending the issued notice to the second fund management server corresponding to the certificate receiving account.

The second terminal is configured to receive an open notification sent by the first fund management server;

The second fund management server is configured to receive the issued certificate notification sent by the first fund management server.
The system according to claim 9, wherein the request for issuance includes the information of the recipient, and the first fund management server is further configured to obtain the contact information of the recipient according to the information of the recipient, The witness contact method sends the issued notice to the second terminal, and the contact information includes at least one of a telephone, a two-dimensional code, a short message, a fax, and a mailbox.