WO2017101000A1 - 基于电子凭证的交易方法及系统 - Google Patents

基于电子凭证的交易方法及系统 Download PDF

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Publication number
WO2017101000A1
WO2017101000A1 PCT/CN2015/097384 CN2015097384W WO2017101000A1 WO 2017101000 A1 WO2017101000 A1 WO 2017101000A1 CN 2015097384 W CN2015097384 W CN 2015097384W WO 2017101000 A1 WO2017101000 A1 WO 2017101000A1
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Prior art keywords
terminal
electronic voucher
payment
electronic
server
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PCT/CN2015/097384
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English (en)
French (fr)
Inventor
张毅
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深圳市银信网银科技有限公司
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Priority to PCT/CN2015/097384 priority Critical patent/WO2017101000A1/zh
Priority to CA2995865A priority patent/CA2995865C/en
Publication of WO2017101000A1 publication Critical patent/WO2017101000A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Definitions

  • the invention relates to the field of electronic commerce, and in particular to a method and system for trading based on electronic vouchers.
  • An electronic voucher based transaction method comprising:
  • the first terminal pushes the electronic voucher via the internet
  • the second terminal acquires the electronic voucher through the Internet, and receives the logistic information input by the user in the writable information in the electronic voucher, and sends a payment request for requesting payment of the corresponding amount of the merchandise to the payment and payment system according to the payment settlement information;
  • the payment system receives the receipt information of the goods that have been signed, and transfers the frozen funds to the collection account.
  • the electronic voucher including product name information of a name and an amount, and payment settlement information including a collection account;
  • An electronic voucher-based transaction method is applied to a first terminal, including:
  • the electronic voucher is pushed over the internet.
  • An electronic voucher-based network transaction system comprising: a second server, a first server, a payment system, a first terminal, and a second terminal; wherein the second server and the first server respectively The payment system is connected; the first server is connected to the first terminal and the second terminal respectively;
  • the second server is configured to generate an electronic voucher capable of writing information, and send the electronic voucher to a first server, where the electronic voucher includes at least product name information of a name and an amount, and a receipt including a receipt account Settlement information;
  • the first server is configured to display the electronic voucher and send the electronic voucher to the first terminal;
  • the first terminal is configured to push the electronic voucher through the Internet
  • the second terminal is configured to acquire the electronic voucher through the Internet, and receive the logistics information that the user inputs the delivery commodity in the writable information in the electronic voucher, and send the payment information to the payment system according to the payment settlement information.
  • a payment request requesting payment of the corresponding amount of the commodity
  • the payment system is configured to receive a payment request sent by the second terminal, and after verifying that the electronic certificate is passed, freeze the funds in the payment account corresponding to the second terminal, and send a notification message that the funds are frozen successfully.
  • the second server To the second server;
  • the payment system is further configured to transfer the frozen funds to the collection account after obtaining the receipt information of the goods that have been signed.
  • the above electronic voucher-based transaction method and system because the buyer can directly purchase through the electronic voucher without entering the online shop for shopping, simplifies the shopping operation process; the electronic voucher can be spread through the social network without relying on the “store position” ", get rid of the "store” traffic restrictions on sales revenue, online store owners do not have to pay advertising costs can also guarantee the flow of goods, saving sales costs.
  • the generation of electronic vouchers and the transmission of goods are all the responsibility of the manufacturer, the business reputation based on the third-party e-commerce platform or online store, the picture, and the e-commerce-centric model of the transaction are changed, so that the article can be attached. Its own attributes, such as manufacturers, raw materials and other information, form an item-centric trading model.
  • FIG. 1 is a schematic structural diagram of an electronic voucher-based transaction system in an embodiment
  • FIG. 2 is a timing diagram of an electronic voucher based transaction method in one embodiment.
  • FIG. 3 is a diagram showing a display page of an electronic voucher in an embodiment
  • FIG. 4 is a schematic flow chart of a method for trading based on an electronic voucher in an embodiment
  • FIG. 5 is a schematic flow chart of a method for trading based on an electronic voucher in an embodiment
  • FIG. 6 is a flow chart showing a method of trading based on an electronic voucher in an embodiment.
  • an electronic voucher-based network transaction system comprising: a second server 10, a first server 20, a payment system 50, a first terminal 30, and a second The terminal 40; wherein the second server 10 is connected to the first server 20 and the payment system 50 respectively; the first server 20 is connected to the first terminal 30 and the second terminal 40, respectively.
  • the second server 10 is configured to generate an electronic voucher for writing information, and send the electronic voucher to the first server 20, the electronic voucher including at least the product attribute information of the name and the amount, and the payment settlement information including the payment account.
  • the second server 10 corresponds to a product provider.
  • the product provider is the commodity producer.
  • the electronic voucher is generated by an electronic voucher generator, and an electronic voucher is used to identify one or a type of merchandise provided by the merchandise provider, and the buyer can conduct an online transaction with the merchandise provider through the electronic voucher to purchase the merchandise corresponding to the electronic voucher.
  • the goods may be tangible goods or intangible services.
  • the second server 10 downloads the electronic voucher generator, and the commodity manufacturer inputs the key information such as the product information of the goods to be sold and the payment settlement information into the electronic voucher generator to generate a corresponding electronic voucher.
  • the product attribute information includes: the name, price, picture, and parameters of the item.
  • the payment settlement information includes: the collection account and the name of the collection account (for example, the payment settlement information is the bank name of the commodity manufacturer and the account opening account).
  • the electronic voucher further includes insurance information for the merchandise, the insurance information being policy information that underwrites the merchandise.
  • the item attribute information includes detailed description information of the item, and the item attribute information changes according to a dynamic change of the item status. For example, when the electronic voucher of the commodity is not purchased by the e-commerce user (the "receiving" refers to the e-commerce voucher obtained by the e-commerce user), the current holder of the merchandise displayed on the electronic voucher is the merchandise provider, and when the electronic voucher of the merchandise is e-commerce user After the purchase, the current holder of the goods displayed on the electronic voucher is the e-commerce user.
  • the first server 20 is configured to display the electronic credential and send the electronic credential to the first terminal 30.
  • the first server 20 corresponds to a commodity electronic warehouse, and the commodity electronic warehouse is a distribution center of electronic vouchers.
  • the second server 10 corresponding to the product provider sends the electronic voucher to the first server 20, and the electronic voucher is displayed by the first server 20 to be selected by the power supplier user.
  • the commodity electronic warehouse can be an electronic voucher storage space set by the shopping platform provided by the bank, or can be an electronic voucher storage space set by other network platforms (for example, a portal site).
  • the merchandise electronic warehouse is used to display the stored electronic voucher.
  • the first server 20 does not sell the electronic voucher, and the first server 20 issues the promotion message corresponding to the electronic voucher to attract the e-commerce user A to purchase the goods.
  • the first terminal 30 corresponding to the e-commerce user A obtains the electronic voucher from the first server 20 after transmitting the electronic voucher request to the first server 20.
  • the first terminal 30 pushes the electronic voucher into the social network, and the second terminal 40 corresponding to the buyer B implements the network transaction with the second server 10 according to the electronic voucher provided by the terminal.
  • FIG. 2 is a display page diagram of an electronic voucher in an embodiment, and the user can directly purchase a smart phone corresponding to the electronic voucher by clicking a purchase button.
  • the first terminal 30 is configured to push the electronic voucher through the Internet.
  • the first terminal 30 corresponds to an e-commerce that promotes electronic vouchers.
  • the e-commerce downloads the e-commerce tool (e-commerce APP) from the first server 20 to the first terminal 30, and registers with the e-commerce tool to become the e-commerce A, and the e-commerce A can obtain the electronic voucher from the first server 20 as the seller.
  • the first terminal 30 will promote the obtained electronic voucher on the Internet to attract buyers to purchase.
  • the second terminal 40 is configured to obtain an electronic voucher through the Internet, and receive the logistics information input by the user in the writable information in the electronic voucher, and send the corresponding amount of the payment request to the payment system 50 according to the payment settlement information. payment request.
  • the buyer B corresponding to the second terminal 40 acquires the electronic voucher that the first terminal 30 pushes on the Internet. Buyer B simply clicks on the purchase button on the electronic voucher, and the transaction page corresponding to the electronic voucher will be popped up. After entering the delivery address and the logistics information of the consignee's contact information in the writable information of the electronic voucher, the buyer will go to the payment system. Send a payment request for the corresponding amount of the payment item.
  • the payment system 50 is configured to receive the payment request sent by the second terminal 40, and after the verification of the electronic voucher is passed, freeze the funds corresponding to the amount in the payment account of the second terminal 40, and send a notification message that the funds are frozen successfully to the second Server 10.
  • the payment system 50 is a banking system.
  • the payment system 50 serves as a platform for transferring funds between buyers and sellers of merchandise purchases. After the buyer purchases the goods, the buyer pays the funds through the payment system 50.
  • the purpose of the payment system 50 to verify the electronic voucher is to ensure the legitimacy of the collection account.
  • the payment system 50 freezes the amount in the corresponding payment account of the second terminal 40 (buyer), the buyer has promised the payment, and the notification message is sent to the first server 20 to inform the commodity provider that the buyer can send the buyer goods.
  • the collection and payment system 50 is further configured to transfer the frozen funds to the collection account after obtaining the receipt information of the goods that have been signed.
  • the signed receipt information recorded by the logistics server includes the signature of the signer and the time of receipt.
  • the payment system 50 can obtain the receipt information directly through the logistics server, and can also be the receipt information sent by the buyer after the receipt of the goods at the second terminal 40 by triggering the confirmation of the receipt button. After the seller has completed the delivery task, the payment system 50 unfreezes the frozen funds and pays the thawed funds to the collection account to complete the online transaction.
  • the payment system 50 includes: a verification module, a payment module, and a payment module, wherein: the verification module is configured to verify whether the electronic voucher is legal, and return the verification result to the second server.
  • the payment module is configured to receive the payment request sent by the second terminal, freeze the funds in the corresponding payment account of the second terminal according to the payment request, and send a notification message that the funds are frozen successfully to the second server.
  • the payment module is configured to transfer the frozen funds to the collection account after obtaining the receipt information of the goods that have been signed.
  • the bank when the first server is a server provided by the bank, the bank itself provides a commodity electronic warehouse. At this time, the receipt information of the electronic voucher in the electronic warehouse of the commodity is the account number of the bank. Since the bank has a high reputation, the electronic certificate displayed by the first server can ensure that the commodity belongs to the authenticity.
  • the e-commerce (buyer) is also happy to go to the first server provided by the bank to shop. The amount of the online payment transaction between the two parties will be returned to the bank. The bank is therefore also happy to provide the first server to display the electronic credentials of the offer provider.
  • the above system has achieved a win-win situation for banks, commodity providers and buyers.
  • an electronic voucher-based transaction method includes the following steps:
  • step 401 the first server acquires an electronic voucher and displays the electronic voucher.
  • the electronic voucher includes product information and payment settlement information of the purchased product.
  • the method further includes: the second server generating, according to the item information and the payment information, the item attribute information including the name and the amount, and the electronic certificate including the payment settlement information of the collection account, and sending the electronic certificate to The first server.
  • the second server downloads the electronic voucher generator, generates the electronic voucher offline and uploads it to the first server.
  • step 401 includes: the first server acquires the commodity information of the generated electronic voucher and the payment information sent by the second server; the first server generates the commodity attribute information including the name and the amount according to the commodity information and the payment information, and An electronic voucher containing payment settlement information for the receiving account.
  • the product provider does not complete the task of generating the electronic voucher, but provides the key information (product information and payment information) that must be included in the generation of the electronic voucher to the first server, and the electronic certificate is completed by the first server.
  • the build work does not complete the task of generating the electronic voucher, but provides the key information (product information and payment information) that must be included in the generation of the electronic voucher to the first server, and the electronic certificate is completed by the first server.
  • Step 402 The first server sends an electronic credential to the first terminal.
  • step 403 the electronic voucher is pushed through the Internet.
  • the step of the first terminal pushing the electronic voucher via the Internet comprises: the first terminal pushing the electronic voucher to the social network.
  • the social network refers to a social circle in which an e-commerce participates on the Internet.
  • a user can share an electronic voucher to a forum, a microblog, and a WeChat circle of friends on the Internet.
  • the electronic voucher of pushing goods through multiple channels of social network makes the spread of electronic voucher wider, which improves the purpose of rapid sales of goods.
  • Step 404 The second terminal acquires the electronic voucher through the Internet, and receives the logistics information that the user inputs the delivery commodity in the writable information in the electronic voucher, and sends a payment request for requesting payment of the corresponding amount of the commodity to the payment and payment system according to the payment settlement information. .
  • Step 405 The payment receiving system receives the payment request sent by the second terminal, and after verifying that the electronic voucher passes, the second terminal corresponding to the amount of funds in the payment account is frozen.
  • step 406 the payment system receives the receipt information of the goods that have been signed, and transfers the frozen funds to the collection account.
  • an electronic voucher-based transaction method is provided, which is applied to a first server, and the method includes the following steps:
  • step 501 an electronic voucher is obtained and an electronic voucher is displayed.
  • the electronic voucher contains the product attribute information of the name and the amount and the payment settlement information including the payment account.
  • Step 502 Send an electronic credential to the first terminal, so that the first terminal pushes the electronic credential through the Internet.
  • the step of acquiring the electronic voucher includes: acquiring the commodity information of the generated electronic voucher and the payment information sent by the second server; and generating the commodity including the name and the amount according to the commodity information and the payment information. Attribute information and an electronic voucher containing payment settlement information for the receiving account.
  • the sending the electronic credential to the first end 2 includes: receiving the e-voucher request sent by the first terminal, acquiring the voucher number and the terminal user identifier in the e-voucher request; and acquiring the electronic corresponding to the voucher number
  • the credential binds the end user identifier to the electronic credential and sends the electronic credential bound with the end user identifier to the first terminal.
  • sending the electronic credential to the first terminal comprises: acquiring, according to a preset correspondence between the e-voucher and the electronic credential, an end user identifier that matches the e-certification condition;
  • the terminal user identifier is bound to the corresponding electronic certificate, and the electronic certificate bound to the terminal user identifier is sent to the first terminal corresponding to the terminal user identifier.
  • an electronic voucher-based transaction method is provided, which is applied to a first terminal, and the method includes the following steps:
  • Step 601 Acquire an electronic credential sent by the first server.
  • Step 602 pushing an electronic voucher through the Internet.
  • the electronic voucher is pushed through the Internet, including: pushing the electronic voucher to the social network.
  • the above electronic voucher-based transaction method simplifies the shopping operation process because the buyer can directly purchase through the electronic voucher without entering the online shop, and the electronic voucher can be transmitted through the social network without relying on the “store position”. Get rid of the restriction of “sales” traffic on sales revenue, online store owners do not need to pay advertising fees to ensure the flow of goods. Since the generation of electronic vouchers and the transmission of goods are the responsibility of the manufacturer, the business reputation based on the third-party e-commerce platform or online store, the picture, and the e-commerce-centric model of the transaction are changed, so that the article can be attached to itself. Attributes, such as manufacturers, raw materials, etc., form an item-centric trading model.
  • the payment system receives the receipt information of the goods that have been signed, including:
  • the receiving and receiving system receives the electronic receipts sent by the logistics server corresponding to the receipt information of the goods that have been signed.
  • the payment system receives the receipt information of the goods that have been signed, including:
  • the receiving and receiving system receives the receipt information sent by the second terminal according to the electronic voucher triggered by the user clicking to confirm the receipt of the goods corresponding to the goods.
  • the step of the first server sending the electronic credential to the first terminal comprises:
  • the first server receives the request for obtaining an electronic voucher sent by the first terminal, and obtains the voucher number and the end user identifier in the e-voucher request; the first server obtains the electronic voucher corresponding to the voucher number, and binds the end user identifier to the electronic voucher, and The electronic credential bound to the end user identifier is sent to the first terminal.
  • the first server is only used as an electronic warehouse for storing electronic vouchers.
  • the first server does not have the function of selling electronic vouchers.
  • the first server only needs to diverge the electronic vouchers to the e-commerce (seller) to sell the electronic vouchers by the seller.
  • the first terminal obtains the electronic voucher by sending a request for obtaining the electronic voucher to the first server, and the e-commerce corresponding to the first terminal pushes the electronic voucher on the Internet to attract the buyer to purchase, if the buyer pushes according to the e-commerce
  • the electronic voucher and the second server complete the network payment transaction, and the second server pays the commission to the e-commerce.
  • the end user identification needs to be bound to the electronic voucher.
  • the step of the first server sending the electronic credential to the first terminal comprises: obtaining, by the first server, the end user identifier that matches the eligibility condition according to the correspondence between the preset e-certification condition and the electronic credential
  • the first server binds the terminal user identifier to the corresponding electronic certificate, and sends the electronic certificate bound to the terminal user identifier to the first terminal corresponding to the terminal user identifier.
  • the first server actively distributes the electronic credential to the terminal corresponding to the e-commerce.
  • the default delivery conditions include: high reputation of e-commerce, more purchase records of e-commerce, and large sales of e-commerce.
  • E-commerce that matches the delivery conditions is generally a quality e-commerce.
  • the first server actively sends an electronic voucher to the terminal corresponding to the high-quality e-commerce, which is beneficial to the optimal configuration of the sales resource.
  • the e-commerce in the above method is not the same as the owner of the traditional online store, and is responsible for various matters such as purchase, delivery, collection, and after-sales.
  • E-commerce companies only need to obtain shopping e-vouchers from the merchandise electronic warehouse, and then spread the shopping e-vouchers to the social network, allowing more people to purchase goods. After the buyer completes the online transaction based on the shopping electronic voucher, it is only necessary to wait for the merchandise provider to pay the sales commission for the e-commerce.
  • By simplifying the workload of e-commerce and attracting more users to join in it is conducive to the promotion of goods.
  • the storage medium may be a magnetic disk, an optical disk, or a read-only storage memory (Read-Only) Memory, ROM) or Random Access Memory (RAM).

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Abstract

一种基于电子凭证的交易方法及系统，其中，方法包括：第一服务器获取电子凭证，并展示电子凭证(401)，电子凭证包含名称和金额的商品属性信息以及包含收款账户的收款结算信息；第一服务器发送电子凭证至第一终端(402)；第一终端通过互联网推送电子凭证(403)；第二终端通过互联网获取电子凭证，并接收用户在电子凭证中可写入信息处输入配送商品的物流信息，并依据收款结算信息向收付系统发送请求支付商品对应金额的付款请求(404)；收付系统接收第二终端发送的付款请求，在验证电子凭证通过后，将第二终端对应付款账户中金额的资金进行冻结(405)；及收付系统接收商品已签收的收货信息，并将冻结的资金划拨至收款账户中(406)。

Description

基于电子凭证的交易方法及系统
【技术领域】
本发明涉及电子商务领域，特别是涉及一种基于电子凭证的交易方法及系统。
【背景技术】
随着电子商务的兴起，网络上出现了各种形形色色的购物平台，这些购物平台方便了人们的购物。传统的网络购物，商品生产商或者商品代理商在购物平台上开设网店，通过网店发布商品信息，买方在网店中挑选商品进行下单购买，并通过第三方支付平台完成支付。这种网络购物模式，存在以下问题：
当今的网店之间的竞争十分激烈，只有保证网店的商品有较大的浏览量，才能实现较好的销售收益，为了确保网店有较高的关注度，买家一般需要向购物平台上支付广告费用来推广自己的商品，导致商品销售成本提高。
【发明内容】
基于此，有必要针对上述技术问题，提供一种降低商品销售成本的基于电子凭证的交易方法及系统。
一种基于电子凭证的交易方法，所述方法包括：
第一服务器获取电子凭证，并展示所述电子凭证，所述电子凭证至少包含名称和金额的商品属性信息以及包含收款账户的收款结算信息；
第一服务器发送电子凭证至第一终端；
第一终端通过互联网推送所述电子凭证；
第二终端通过互联网获取所述电子凭证，并接收用户在电子凭证中可写入信息处输入配送商品的物流信息，并依据收款结算信息向收付系统发送请求支付商品对应金额的付款请求；
所述收付系统接收第二终端发送的付款请求，在验证所述电子凭证通过后，将第二终端对应付款账户中所述金额的资金进行冻结；
所述收付系统接收所述商品已签收的收货信息，并将冻结的资金划拨至所述收款账户中。
一种基于电子凭证的交易方法，应用于第一服务器，包括：
获取电子凭证，并展示所述电子凭证，所述电子凭证包含名称和金额的商品属性信息以及包含收款账户的收款结算信息；
发送电子凭证至第一终端，使得所述第一终端通过互联网推送所述电子凭证。
一种基于电子凭证的交易方法，应用于第一终端，包括：
获取第一服务器发送的电子凭证；
通过互联网推送所述电子凭证。
一种基于电子凭证的网络交易系统，所述系统包括：第二服务器、第一服务器、收付系统、第一终端以及第二终端；其中，所述第二服务器分别与所述第一服务器与所述收付系统连接；所述第一服务器分别与所述第一终端以及所述第二终端连接；
所述第二服务器，用于生成可写入信息的电子凭证，并将所述电子凭证发送至第一服务器，所述电子凭证至少包含名称和金额的商品属性信息以及包含收款账户的收款结算信息；
所述第一服务器，用于展示所述电子凭证，并发送所述电子凭证至所述第一终端；
所述第一终端，用于通过互联网推送所述电子凭证；
所述第二终端，用于通过互联网获取所述电子凭证，并接收用户在电子凭证中可写入信息处输入配送商品的物流信息，并依据所述收款结算信息向所述收付系统发送请求支付商品对应金额的付款请求；
所述收付系统，用于接收第二终端发送的付款请求，在验证所述电子凭证通过后，将第二终端对应付款账户中所述金额的资金进行冻结，并发送资金冻结成功的通知消息至第二服务器；
所述收付系统还用于在获取到所述商品已签收的收货信息后，将冻结的资金划拨至所述收款账户中。
上述基于电子凭证的交易方法及系统，由于买家可以直接通过电子凭证进行购物而无需进入网店进行购物，简化了购物的操作流程；电子凭证能通过社交网络进行传播，无需依托于“店位”，摆脱了“店位”流量对销售收益的限制，网店店主不需支付广告费用也能保证商品的流量，节约了销售成本。此外，由于电子凭证的生成、商品的发送均由厂商负责，改变原来依托第三方电商平台或网络店铺的商业信誉、参看图片、发生交易的以电商为中心的模式，从而使物品可附着其自身属性，如制造厂商，原料等信息，形成以物品为中心的交易模式。
【附图说明】
图1为一个实施例中基于电子凭证的交易系统的结构示意图；
图2为一个实施例中基于电子凭证的交易方法的时序图。
图3为一个实施例中电子凭证的展示页面图；
图4为一个实施例中基于电子凭证的交易方法的流程示意图；
图5为一个实施例中基于电子凭证的交易方法的流程示意图；
图6为一个实施例中基于电子凭证的交易方法的流程示意图。
【具体实施方式】
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。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。
如图1所示，在一个实施例中，提供的一种基于电子凭证的网络交易系统，该系统包括：第二服务器10、第一服务器20、收付系统50、第一终端30以及第二终端40；其中，第二服务器10分别与第一服务器20与收付系统50连接；第一服务器20分别与第一终端30与第二终端40连接。
第二服务器10，用于生成可写入信息的电子凭证，并将电子凭证发送至第一服务器20，电子凭证至少包含名称和金额的商品属性信息以及包含收款账户的收款结算信息。
第二服务器10对应商品提供者。商品提供者为商品生产商。电子凭证由电子凭证生成器生成，一张电子凭证用于标识商品提供者提供的一种或一类商品，买家可以通过电子凭证与商品提供者进行网络交易，购买该电子凭证对应的商品。具体的，商品可以是有形的商品也可以是无形的服务。第二服务器10下载电子凭证生成器，商品生产商将待销售商品的商品信息以及收款结算信息等关键信息录入电子凭证生成器即可生成对应的电子凭证。
商品属性信息包括：商品的名称、价格、图片以及参数等信息。收款结算信息包括：收款账户以及收款账户名称（例如，收款结算信息为商品生产商的银行开户名称以及开户账号）。
在一个实施例中电子凭证还包括商品的保险信息，该保险信息为对商品进行承保的保单信息。
在一个实施例中，商品属性信息，包括商品的详细描述信息，商品属性信息根据商品状态的动态变化而改变。例如，当商品电子凭证未被电商用户进货（本发明“进货”指电商用户获取电子凭证）之前，电子凭证上显示的商品当前持有人为商品提供者，当商品电子凭证被电商用户进货后，电子凭证上显示的商品当前持有人为电商用户。
第一服务器20，用于展示电子凭证，并发送电子凭证至第一终端30。
第一服务器20对应商品电子货仓，商品电子货仓是电子凭证的集散地。商品提供者对应的第二服务器10将电子凭证发送至第一服务器20，通过第一服务器20将电子凭证展示出来供电商用户挑选。商品电子货仓可以是银行提供的购物平台设置的电子凭证存储空间，还可以是其它网络平台（例如，门户网站）设置的电子凭证存储空间。商品电子货仓用于向外展示存储的电子凭证。
本实施例中，第一服务器20并不销售电子凭证，第一服务器20向外发布电子凭证对应的促销消息吸引电商用户A前来进货。电商用户A对应的第一终端30向第一服务器20发送获取电子凭证请求后，从第一服务器20获得电子凭证。第一终端30将电子凭证推送至社交网络中，买家B对应的第二终端40根据终端提供的电子凭证与第二服务器10实现网络交易。
图2为一个实施例中电子凭证的展示页面图，用户通过点击购买按钮直接可购买该电子凭证对应的智能手机。
第一终端30，用于通过互联网推送电子凭证。
第一终端30对应推销电子凭证的电商。电商从第一服务器20中下载电商工具（电商APP）至第一终端30，通过电商工具进行注册成为电商A，电商A即可以作为卖家从第一服务器20获得电子凭证进行销售，第一终端30将得到的电子凭证在互联网进行推广以吸引买家前来购买。
第二终端40，用于通过互联网获取电子凭证，并接收用户在电子凭证中可写入信息处输入配送商品的物流信息，并依据收款结算信息向收付系统50发送请求支付商品对应金额的付款请求。
第二终端40对应的买家B获取第一终端30推送在互联网上的电子凭证。买家B只需点击电子凭证上的购买按钮，将弹出电子凭证对应的交易页面，在电子凭证的可写入信息处输入收货地址以及收货人联系方式的物流信息后，将向支付系统发送支付商品对应金额的付款请求。
收付系统50，用于接收第二终端40发送的付款请求，在验证电子凭证通过后，将第二终端40对应付款账户中金额的资金进行冻结，并发送资金冻结成功的通知消息至第二服务器10。在一个实施例中收付系统50为银行系统。
本实施例中，收付系统50作为商品购买的买家与卖家之间进行资金转移的平台。买家购买了商品后通过收付系统50向卖家支付资金。收付系统50验证电子凭证的目的是为了确保收款账户的合法性。收付系统50将第二终端40（买家）对应付款账户中的金额冻结后，即表示买家已经承诺了付款，发送通知消息至第一服务器20是为了告知商品提供者可以向买家发货。
收付系统50还用于在获取到商品已签收的收货信息后，将冻结的资金划拨至收款账户中。
买家收到商品后，物流服务器记录的已签收的收货信息包括签收人签名以及签收时间。收付系统50可以直接通过物流服务器获得收货信息，还可以是买家在收到商品后在第二终端40通过触发确认收货按钮后发送的收货信息。当卖家已经完成了交货任务后，收付系统50将冻结的资金进行解冻，并将解冻后的资金支付至收款账户中完成网络交易。
在一个实施例中，收付系统50包括：验证模块、付款模块以及收款模块，其中：验证模块，用于验证电子凭证是否合法后，并将验证结果返回至第二服务器。 付款模块，用于接收第二终端发送的付款请求，根据付款请求将第二终端对应付款账户中金额的资金进行冻结，并发送资金冻结成功的通知消息至第二服务器。收款模块，用于在获取到商品已签收的收货信息后，将冻结的资金划拨至收款账户中。
上述系统，当第一服务器为银行提供的服务器时，银行自身提供商品电子货仓。此时商品电子货仓中的电子凭证的收款信息包含的收款账号为该银行的账号，由于银行具有很高的信誉，第一服务器展示的电子凭证能保证商品属于正品。电商（买方）也乐意前往银行提供的第一服务器购物。双方网络支付交易的金额将回流至该银行。因此银行也很乐意提供展示商品提供者的电子凭证的第一服务器。上述系统实现了银行、商品提供者以及买家三赢的局面。
在一个实施例中，提供的一种基于电子凭证的交易方法，参考图4，该方法包括如下步骤：
步骤401，第一服务器获取电子凭证，并展示电子凭证。
本实施例中，电子凭证包含商品信息以及购买商品的收款结算信息。
在步骤401之前，该方法还包括：第二服务器根据商品信息以及收款信息生成至少包含名称和金额的商品属性信息以及包含收款账户的收款结算信息的电子凭证，并将电子凭证发送至第一服务器。本实施例中，第二服务器下载电子凭证生成器，离线生成电子凭证并将其上传至第一服务器中。
在一个实施例中步骤401包括：第一服务器获取第二服务器发送的生成电子凭证的商品信息以及收款信息；第一服务器根据商品信息以及收款信息生成至少包含名称和金额的商品属性信息以及包含收款账户的收款结算信息的电子凭证。
本实施例中，商品提供者并不完成电子凭证生成的任务，而是将生成电子凭证所必须包含的关键信息（商品信息以及收款信息）提供给第一服务器，由第一服务器完成电子凭证的生成工作。
步骤402，第一服务器发送电子凭证至第一终端。
步骤403，第通过互联网推送电子凭证。
在一个实施例中，第一终端通过互联网推送电子凭证的步骤包括：第一终端向社交网络推送电子凭证。
本实施例中，社交网络是指电商在互联网上参与的社交圈，例如，用户可以将电子凭证分享至互联网上的论坛、微博以及微信朋友圈等。通过社交网络多渠道的推送商品的电子凭证，使得电子凭证的扩散面更广，提高了商品快速销售的目的。
步骤404，第二终端通过互联网获取电子凭证，并接收用户在电子凭证中可写入信息处输入配送商品的物流信息，并依据收款结算信息向收付系统发送请求支付商品对应金额的付款请求。
步骤405，收付系统接收第二终端发送的付款请求，在验证电子凭证通过后，将第二终端对应付款账户中金额的资金进行冻结。
步骤406，收付系统接收商品已签收的收货信息，并将冻结的资金划拨至收款账户中。
如图5所示，在一个实施例中，提供的一种基于电子凭证的交易方法，应用于第一服务器，该方法包括如下步骤：
步骤501，获取电子凭证，并展示电子凭证。本实施例中，电子凭证包含名称和金额的商品属性信息以及包含收款账户的收款结算信息。
步骤502，发送电子凭证至第一终端，使得第一终端通过互联网推送电子凭证。
在一个实施例中，在步骤502，获取电子凭证的步骤之前包括：获取第二服务器发送的生成电子凭证的商品信息以及收款信息；根据商品信息以及收款信息生成至少包含名称和金额的商品属性信息以及包含收款账户的收款结算信息的电子凭证。
在一个实施例中，步骤502，发送电子凭证至第一终,2包括：接收第一终端发送的获取电子凭证请求，获取电子凭证请求中携带凭证编号以及终端用户标识；获取凭证编号对应的电子凭证，将终端用户标识与电子凭证绑定，并将与终端用户标识绑定的电子凭证发送至第一终端。
在另一个实施例中，步骤502，发送电子凭证至第一终端包括：根据预设的发证条件与电子凭证的对应关系，获取与发证条件相匹配的终端用户标识；
将终端用户标识与对应的电子凭证绑定，并将与终端用户标识绑定的电子凭证发送至终端用户标识对应的第一终端。
如图6所示，在一个实施例中，提供的一种基于电子凭证的交易方法，应用于第一终端，该方法包括如下步骤：
步骤601，获取第一服务器发送的电子凭证。
步骤602，通过互联网推送电子凭证。
具体的，通过互联网推送电子凭证，包括：向社交网络推送电子凭证。
上述基于电子凭证的交易方法，由于买家可以直接通过电子凭证进行购物而无需进入网店进行购物，简化了购物的操作流程；电子凭证能通过社交网络进行传播，无需依托于“店位”，摆脱了“店位”流量对销售收益的限制，网店店主不需支付广告费用也能保证商品的流量。由于电子凭证的生成、商品的发送均由厂商负责，改变原来依托第三方电商平台或网络店铺的商业信誉、参看图片、发生交易的以电商为中心的模式，从而使物品可附着其自身属性，如制造厂商，原料等信息，形成以物品为中心的交易模式。
在一个实施例中，收付系统接收商品已签收的收货信息的步骤，包括：
收付系统接收物流服务器发送的电子凭证对应商品已签收的收货信息。
在一个实施例中，收付系统接收商品已签收的收货信息的步骤，包括：
收付系统接收第二终端发送的根据用户点击确认收货后触发的电子凭证对应商品已签收的收货信息。
在一个实施例中，第一服务器发送电子凭证至第一终端的步骤，包括：
第一服务器接收第一终端发送的获取电子凭证请求，获取电子凭证请求中携带凭证编号以及终端用户标识；第一服务器获取凭证编号对应的电子凭证，将终端用户标识与电子凭证绑定，并将与终端用户标识绑定的电子凭证发送至第一终端。
本实施例中，第一服务器仅作存储电子凭证的电子仓库。第一服务器不具有销售电子凭证的作用，第一服务器只需要将电子凭证发散至电商（卖家）由卖家来出售电子凭证。
第一终端通过向第一服务器发送获取电子凭证请求，来获取电子凭证，第一终端对应的电商将电子凭证在互联网上进行推送以吸引买家前来购买，若买家是根据电商推送的电子凭证与第二服务器完成网络支付交易的，则由第二服务器支付佣金给电商。为了区分电子凭证的来源需要将终端用户标识与电子凭证进行绑定。
在另一个实施例中，第一服务器发送电子凭证至第一终端的步骤，包括：第一服务器根据预设的发证条件与电子凭证的对应关系，获取与发证条件相匹配的终端用户标识；第一服务器将终端用户标识与对应的电子凭证绑定，并将与终端用户标识绑定的电子凭证发送至终端用户标识对应的第一终端。
本实施例中，第一服务器主动向电商对应的终端分发电子凭证。预设的发货条件包括：电商的信誉高、电商的进货记录多以及电商的销售量大。与发货条件相匹配的电商一般属于优质电商。第一服务器主动向优质电商对应的终端发送电子凭证，有利于销售资源的最优化配置。
上述方法中的电商不像传统网店的店主那样需要负责进货、发货、收款以及负责售后等各种事务。电商只需要要从商品电子货仓中获取购物电子凭证，然后将购物电子凭证扩散至社交网络，让更多的人来购买商品。当买家基于购物电子凭证完成网络交易后，只需要等待商品提供者为电商支付销售提成即可。通过简化了电商的工作量吸引更多的用户加入进来，有利于商品的推销。
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流程，是可以通过计算机程序来指令相关的硬件来完成，所述的程序可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，所述的存储介质可为磁碟、光盘、只读存储记忆体（Read-Only Memory，ROM）或随机存储记忆体（Random Access Memory，RAM）等。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本发明的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本发明构思的前提下，还可以做出若干变形和改进，这些都属于本发明的保护范围。因此，本发明专利的保护范围应以所附权利要求为准。

Claims (16)

  1. 一种基于电子凭证的交易方法，包括：
    第一服务器获取电子凭证，并展示所述电子凭证，所述电子凭证包含名称和金额的商品属性信息以及包含收款账户的收款结算信息；
    第一服务器发送电子凭证至第一终端；
    第一终端通过互联网推送所述电子凭证；
    第二终端通过互联网获取所述电子凭证，并接收用户在电子凭证中可写入信息处输入配送商品的物流信息，并依据收款结算信息向收付系统发送请求支付商品对应金额的付款请求；
    所述收付系统接收第二终端发送的付款请求，在验证所述电子凭证通过后，将第二终端对应付款账户中所述金额的资金进行冻结；及
    所述收付系统接收所述商品已签收的收货信息，并将冻结的资金划拨至所述收款账户中。
  2. 根据所述权利要求1所述的方法，其特征在于，在所述第一服务器获取电子凭证的步骤之前，包括：
    第二服务器根据商品信息以及收款信息生成至少包含名称和金额的商品属性信息以及包含收款账户的收款结算信息的电子凭证，并将所述电子凭证发送至第一服务器。
  3. 根据所述权利要求1所述的方法，其特征在于，所述第一服务器获取电子凭证的步骤，包括：
    第一服务器获取第二服务器发送的生成电子凭证的商品信息以及收款信息；
    第一服务器根据商品信息以及收款信息生成至少包含名称和金额的商品属性信息以及包含收款账户的收款结算信息的电子凭证。
  4. 根据权利要求1所述的方法，其特征在于，所述第一终端通过互联网推送所述电子凭证的步骤包括：
    第一终端向社交网络推送所述电子凭证。
  5. 根据权利要求1所述的方法，其特征在于，所述收付系统接收所述商品已签收的收货信息的步骤，包括：
    收付系统接收物流服务器发送的电子凭证对应商品已签收的收货信息。
  6. 根据权利要求1所述的方法，其特征在于，所述收付系统接收所述商品已签收的收货信息的步骤，包括：
    收付系统接收第二终端发送的根据用户点击确认收货后触发的电子凭证对应商品已签收的收货信息。
  7. 根据权利要求1所述的方法，其特征在于，所述第一服务器发送电子凭证至第一终端的步骤，包括：
    第一服务器接收第一终端发送的获取电子凭证请求，所述获取电子凭证请求中携带凭证编号以及终端用户标识；
    第一服务器获取凭证编号对应的电子凭证，将所述终端用户标识与所述电子凭证绑定，并将与终端用户标识绑定的电子凭证发送至第一终端。
  8. 根据权利要求1所述的方法，其特征在于，所述第一服务器发送电子凭证至第一终端的步骤，包括：
    第一服务器根据预设的发证条件与电子凭证的对应关系，获取与所述发证条件相匹配的终端用户标识；
    第一服务器将终端用户标识与所述对应的电子凭证绑定，并将与终端用户标识绑定的电子凭证发送至终端用户标识对应的第一终端。
  9. 一种基于电子凭证的交易方法，应用于第一服务器，包括：
    获取电子凭证，并展示所述电子凭证，所述电子凭证包含名称和金额的商品属性信息以及包含收款账户的收款结算信息；
    发送电子凭证至第一终端，使得所述第一终端通过互联网推送所述电子凭证。
  10. 根据权利要求9所述的交易方法，其特征在于，在所述获取电子凭证的步骤之前，包括：
    获取第二服务器发送的生成电子凭证的商品信息以及收款信息；
    根据商品信息以及收款信息生成至少包含名称和金额的商品属性信息以及包含收款账户的收款结算信息的电子凭证。
  11. 根据权利要求9所述的交易方法，其特征在于，所述发送电子凭证至第一终端的步骤，包括：
    接收第一终端发送的获取电子凭证请求，所述获取电子凭证请求中携带凭证编号以及终端用户标识；
    获取凭证编号对应的电子凭证，将所述终端用户标识与所述电子凭证绑定，并将与终端用户标识绑定的电子凭证发送至第一终端。
  12. 根据权利要求9所述的交易方法，其特征在于，所述发送电子凭证至第一终端的步骤，包括：
    根据预设的发证条件与电子凭证的对应关系，获取与所述发证条件相匹配的终端用户标识；
    将终端用户标识与所述对应的电子凭证绑定，并将与终端用户标识绑定的电子凭证发送至终端用户标识对应的第一终端。
  13. 一种基于电子凭证的交易方法，应用于第一终端，包括：
    获取第一服务器发送的电子凭证；
    通过互联网推送所述电子凭证。
  14. 根据权利要求13所述的交易方法，其特征在于，通过互联网推送所述电子凭证，包括：
    向社交网络推送所述电子凭证。
  15. 一种基于电子凭证的交易系统，其特征在于，包括：第二服务器、第一服务器、收付系统、第一终端以及第二终端；其中，所述第二服务器分别与所述第一服务器与所述收付系统连接；所述第一服务器分别与所述第一终端以及所述第二终端连接；
    所述第二服务器，用于生成可写入信息的电子凭证，并将所述电子凭证发送至第一服务器，所述电子凭证至少包含名称和金额的商品属性信息以及包含收款账户的收款结算信息；
    所述第一服务器，用于展示所述电子凭证，并发送所述电子凭证至所述第一终端；
    所述第一终端，用于通过互联网推送所述电子凭证；
    所述第二终端，用于通过互联网获取所述电子凭证，并接收用户在电子凭证中可写入信息处输入配送商品的物流信息，并依据所述收款结算信息向所述收付系统发送请求支付商品对应金额的付款请求；
    所述收付系统，用于接收第二终端发送的付款请求，在验证所述电子凭证通过后，将第二终端对应付款账户中所述金额的资金进行冻结，并发送资金冻结成功的通知消息至第二服务器；
    所述收付系统还用于在获取到所述商品已签收的收货信息后，将冻结的资金划拨至所述收款账户中。
  16. 根据权利要求9所述的系统，其特征在于，所述收付系统包括：验证模块、付款模块以及收款模块，其中：
    所述验证模块，用于验证所述电子凭证是否合法后，并将验证结果返回至所述第二服务器；
    所述付款模块，用于接收所述第二终端发送的付款请求，根据付款请求将第二终端对应付款账户中所述金额的资金进行冻结，并发送资金冻结成功的通知消息至所述第二服务器；
    所述收款模块，用于在获取到所述商品已签收的收货信息后，将冻结的资金划拨至所述收款账户中。
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