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WO2017012043A1 - Procédé, dispositif et système de transmission d'informations de paiement par certificat électronique - Google Patents

Procédé, dispositif et système de transmission d'informations de paiement par certificat électronique Download PDF

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Publication number
WO2017012043A1
WO2017012043A1 PCT/CN2015/084633 CN2015084633W WO2017012043A1 WO 2017012043 A1 WO2017012043 A1 WO 2017012043A1 CN 2015084633 W CN2015084633 W CN 2015084633W WO 2017012043 A1 WO2017012043 A1 WO 2017012043A1
Authority
WO
WIPO (PCT)
Prior art keywords
information
management server
fund management
seller
electronic
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2015/084633
Other languages
English (en)
Chinese (zh)
Inventor
张毅
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shenzhen Cifpay Network Bank Technology Co Ltd
Original Assignee
Shenzhen Cifpay Network Bank Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Shenzhen Cifpay Network Bank Technology Co Ltd filed Critical Shenzhen Cifpay Network Bank Technology Co Ltd
Priority to PCT/CN2015/084633 priority Critical patent/WO2017012043A1/fr
Priority to CA2994573A priority patent/CA2994573C/fr
Publication of WO2017012043A1 publication Critical patent/WO2017012043A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"

Definitions

  • the present invention relates to the field of Internet finance technologies, and in particular, to a method for transmitting information of an electronic voucher
  • E-commerce uses the Internet platform to link the participating parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, thereby reducing the entire transaction process by networking, electronic, and informational.
  • the cost of the transaction increases the efficiency of the transaction.
  • the transfer of funds mainly relies on the traditional electronic direct transfer payment method and the third-party payment method, and the payment method is single.
  • the technical problem to be solved by the present invention is to provide a method, a device and a system for transmitting information of an electronic voucher to solve the technical problem that the information cannot be fed back.
  • a method for transmitting a payment information of an electronic voucher includes the following steps: [0007] After the seller knows the goods to be signed, generates the settlement information, and sends the cancellation information to the second fund management server;
  • the second fund management server After receiving the settlement information, the second fund management server updates the corresponding electronic voucher status to the to-be-discarded state, and synchronizes the corresponding electronic voucher status to the first fund management server.
  • a method for transmitting a payment information of an electronic voucher which is applied to a seller, and the method includes the following steps:
  • an apparatus for transmitting electronic payment information is applied to a seller, and the apparatus includes the following modules:
  • an obtaining module configured to learn the goods receipt information
  • a generating module configured to generate a settlement information after the goods are known to be signed
  • the sending module is configured to send the settlement information to the second fund management server.
  • an electronic voucher dispatch information transmission system including:
  • the seller side is configured to generate the settlement information after the information of the goods is received, and send the cancellation information to the second fund management server;
  • the second fund management server is configured to: after receiving the payment information, update the status of the corresponding electronic certificate to a state to be released, and synchronize the status of the corresponding electronic certificate to the first fund management server.
  • the method, device and system for transmitting electronic payment information of an electronic voucher provided by an embodiment of the present invention in the e-commerce transaction process, once the goods are signed, the seller end feeds back the payment information to the fund management server to ensure The e-voucher continues to be effective and smoothly transitions to a state where it ensures electronic vouchers and payment, while the fund management server allocates funds.
  • Embodiment 1 is a flowchart of a method for transmitting electronic payment information of an electronic certificate according to Embodiment 1 of the present invention.
  • FIG. 2 is a flowchart of a method for transmitting an electronic voucher information according to a second embodiment of the present invention.
  • 3 is a flowchart of a method for transmitting electronic payment information of the electronic certificate according to Embodiment 3 of the present invention.
  • FIG. 4 is a block diagram of a solution for transmitting an electronic voucher for an electronic voucher provided by a vendor according to a fourth embodiment of the present invention.
  • FIG. 5 is a structural diagram of a solution information transmission system for an electronic voucher according to Embodiment 5 of the present invention.
  • the electronic voucher described in the present scheme is an electronic credit commitment payment voucher that the bank promises to pay the funds according to the agreed conditions, which means that the buyer applies for the establishment of the fund management institution with its account fund or credit line as the security deposit, and the fund management The institution promises to pay the electronic credit commitment payment certificate for settlement and payment in accordance with the payment conditions.
  • the electronic voucher is an internet financial instrument paid by the fund management institution for credit commitment, mainly for the buyer's product, and the seller downloads the cashier access interface, and the buyer completes the electronic voucher.
  • the certificate and the seller complete the receipt and performance, submit the payment, and finally the electronic voucher expires automatically.
  • Electronic vouchers can be purchased not only with merchandise but also with collateral.
  • a money management agency is an organization that supports the flow of funds, including but not limited to banks and other financial institutions (such as securities institutions). Accordingly, the money management server includes a bank server or other financial institution server.
  • the flow of the online payment transaction by the electronic voucher is roughly as follows: After the buyer and the seller form an order, the buyer applies for the certificate to the first fund management server (ie, the certificate server) through the buyer side (the certificate terminal). Of course, the buyer can also voluntarily apply for a certificate without forming a transaction order. After the first fund management server accepts, it shall file an electronic voucher according to the application for the certificate, and freeze the funds or credit line of the corresponding amount of the buyer account. After confirming the order, the seller applies for the receipt to the second fund management server (ie, the receiving server) through the seller (the receiving end), and the second fund management server verifies the information and then receives the certificate. The electronic certificate enters the performance period and waits for the seller.
  • the first fund management server ie, the certificate server
  • the second fund management server verifies the information and then receives the certificate.
  • the electronic certificate enters the performance period and waits for the seller.
  • Send goods or provide services After the seller performs the performance period, it submits the performance information (such as the logistics order number) to the second fund management server.
  • the second fund management server changes the status of the electronic certificate, and the electronic certificate enters the signing period, waiting for the buyer to sign the goods.
  • the buyer signs the goods during the signing period that is, after the seller completes the corresponding trading conditions according to the payment conditions of the electronic voucher
  • the electronic voucher enters the settlement period.
  • the seller entrusts the second fund management server to apply for settlement to the first fund management server.
  • the fund or credit limit for the frozen amount of the buyer account is released.
  • the funds are transferred to the second fund management server, and the second fund management server transfers the funds to the seller's designated collection account (ie, the collection account). At this point, the online payment is completed and the entire transaction is completed.
  • the validity period is divided into three paragraphs, and the inter-day period is stated in the electronic voucher, which is the time limit for the seller to receive the certificate, perform the contract, and apply for the settlement.
  • the electronic voucher is invalidated by performing the corresponding action.
  • a method for transmitting electronic payment information of an electronic voucher includes the following steps:
  • the buyer and the seller conduct transactions through e-commerce, the client used by the buyer is the buyer, and the client used by the seller is the seller.
  • the buyer After the buyer places an order with the seller through the buyer, the buyer then generates a request for the electronic voucher through the buyer (the certificate), and sends it to the first fund management server, which is usually located at the bank. That is, the buyer generates a request for the establishment of an electronic voucher and sends it to the server where the bank is located.
  • the first fund management server requests, according to the request, freezes the funds or the credit line in the buyer account, and generates an electronic certificate to be sent to the second fund management server, and the second fund management server is also usually located at the bank, that is, the certificate is received.
  • the server where the bank is located receives the electronic certificate.
  • the second fund management server After receiving the electronic voucher in the state of the certificate, the second fund management server sends a notification of the certificate to the seller.
  • the second fund management server After the seller confirms the order through the seller, the second fund management server performs the certificate, that is, the electronic voucher is registered and updated.
  • the status of the electronic voucher is the received certificate, and the received certificate is sent to the seller.
  • Information, electronic voucher enters the performance period.
  • the seller delivers the goods or provides the service during the performance period, the buyer signs the goods. Once the seller knows the goods to be signed (such as the signing and recovery of the logistics company and the signing and recovery of the e-commerce platform), the settlement information is generated, and the second fund management server feeds back to apply for the payment and smoothly enters the next step.
  • the seller may send the cancellation application information to the second fund management server through the seller to log in to the corresponding webpage or launch the corresponding application, or may automatically send the settlement information to the second fund management server after receiving the receipt information by the seller.
  • the settlement information may include the receipt information and the payment condition, and may also include the identity information of the seller, so as to verify the identity of the seller.
  • the second fund management server After receiving the settlement information, the second fund management server updates the corresponding electronic voucher status to the to-be-discarded state, and synchronizes the corresponding electronic voucher status to the first fund management server.
  • the second fund management server updates the corresponding electronic certificate status to the to-be-paid status according to the settlement information, and synchronizes the electronic certificate status to the first fund management server. . So go to the next step to ensure that the electronic voucher is valid.
  • the foregoing method may further include: after the first fund management server or the second fund management server receives the settlement information, performing identity verification. For example, verify the seller's account number or identity information.
  • identity verification For example, verify the seller's account number or identity information.
  • the authentication is implemented by mobile phone dynamic code or by electronic signature.
  • the mobile phone dynamic code uses the mobile phone as a random password to generate or accept the terminal.
  • the mobile phone dynamic code is a one-time effective password security protection measure, which can greatly improve the user identity authentication or transaction security.
  • the method may further include: after receiving the dissolving information, the second fund management server verifies the authenticity of the electronic voucher.
  • a method for transmitting an electronic voucher information is provided.
  • the seller knows that the product is signed, and submits the application for the payment information to the second fund management server, the delivery of the payment information is completed.
  • the electronic voucher continues to be effective and smoothly transition to a state, so as to ensure that the electronic voucher and the payment are allocated and allocated funds.
  • an embodiment of the present invention provides a method for transmitting an electronic voucher information including the following steps: [0042] S201. After the seller knows the goods to be signed, the seller generates the settlement information.
  • the seller can obtain the information of the goods being signed on the line (such as an e-commerce platform), or the seller can obtain the information of the goods received under the online (for example, the signing and recovery of the logistics company and the signing of the e-commerce platform).
  • the settlement information may include the receipt information and the payment condition, and may also include the seller's identity information, so as to verify the identity of the seller.
  • S202 The seller sends the settlement information to the second fund management server.
  • the second fund management server After receiving the settlement information, the second fund management server sends the settlement information to the first fund management server.
  • the second fund management server updates the corresponding electronic voucher status according to the payment information, and synchronizes the corresponding electronic voucher status to the first fund management server.
  • the settlement information is submitted by the seller to the second fund management server, and the second fund management server forwards the settlement information to the first fund management server, thereby completing the delivery of the settlement information.
  • the second fund management server Updating, by the second fund management server, the electronic voucher status to the next state according to the settlement information, and synchronizing the status of the electronic voucher to the first fund management server, thereby preventing and correcting abnormality or tampering of the delivery information during delivery .
  • an embodiment of the present invention provides a method for transmitting an electronic voucher information, which is applied to a seller.
  • the method includes the following steps:
  • the seller can obtain the information of the goods being signed on the online (such as the e-commerce platform), the seller can also obtain the information of the goods being signed offline (for example, the signing and returning of the courier company).
  • the receipt information includes but is not limited to the signing and recovery of the logistics company and the signing and recovery of the e-commerce platform.
  • the generated settlement information may include the receipt information and the settlement condition, etc., and may also include the identity information of the seller for subsequent verification of the identity of the seller.
  • the seller may send the cancellation application information to the second fund management server by logging in to the corresponding webpage or launching the corresponding application through the seller end, or may automatically send the second fund to the second fund after receiving the receipt information by the seller.
  • the management server sends the settlement information.
  • the seller sends the cancellation information to the second fund management server, thereby completing the delivery of the payment information.
  • an apparatus for transmitting electronic information of an electronic voucher provided by an embodiment of the present invention is applied to a seller, and the device includes the following modules:
  • the obtaining module 101 is configured to learn the goods receipt information.
  • the obtaining module 101 may obtain the goods receipt information on the line (such as an e-commerce platform), or may input the information to the acquiring module 101 by the seller obtaining the goods receipt information online (for example, the signing of the delivery company).
  • the receipt information includes but is not limited to the signing and recovery of the logistics company and the signing and recovery of the e-commerce platform.
  • the generating module 102 is configured to generate the settlement information after the goods are known to be signed.
  • the settlement information may include the receipt information and the payment condition, and the like, and may further include the identity information of the seller, so as to verify the identity of the seller.
  • the sending module 103 is configured to send the settlement information to the second fund management server.
  • the seller may send the cancellation application information to the second fund management server by logging in to the corresponding webpage or launching the corresponding application through the seller end, or may automatically send the second fund to the second fund after receiving the receipt information by the seller.
  • the management server sends the settlement information.
  • the settlement information is submitted by the seller to the second fund management server, thereby completing the delivery of the settlement information.
  • an unpaid information transmission and transmission system for an electronic voucher includes
  • the seller terminal 10 is configured to generate the settlement information after the information of the goods is received, and send the cancellation information to the second fund management server.
  • the seller terminal 10 can obtain the information of the goods received by the online (such as the e-commerce platform), the seller can also obtain the information of the goods received by the seller online (for example, the signing and returning of the courier company).
  • the receipt information includes but is not limited to the signing and recovery of the logistics company and the signing and recovery of the e-commerce platform.
  • the generated settlement information may include the receipt information and the payment condition, etc., and may also include the identity information of the seller, so that The successor is verified by the identity of the seller.
  • the seller may send the cancellation application information to the second fund management server through the seller to log in to the corresponding webpage or launch the corresponding application, or may automatically send the settlement information to the second fund management server after receiving the receipt information by the seller. .
  • the second fund management server 20 is configured to update the status of the corresponding electronic voucher to the to-be-discarded state after receiving the dissolving information, and synchronize the status of the corresponding electronic voucher to the first fund management server.
  • the second money management server 20 is further configured to: after receiving the cancellation information, the solution The payment information is sent to the first money management server.
  • the second money management server 20 is further configured to: after receiving the cancellation information, perform identity verification. For example, verify the seller's account number or identity information.
  • the verification of the seller's identity information is implemented by mobile phone dynamic code or by electronic signature.
  • the mobile phone dynamic code uses the mobile phone as a random password to generate or accept the terminal.
  • the mobile phone dynamic code is a one-time effective password security protection measure, which can greatly enhance the security of user identity authentication or transaction.
  • the second money management server 20 is further arranged to verify the authenticity of the electronic voucher after receiving the dissolving information.
  • the method, device and system for transmitting electronic payment information of the electronic voucher provided by the embodiment of the present invention in the e-commerce transaction process, once the goods are signed, the seller end feeds back the payment information to the fund management server to ensure The e-voucher continues to be effective and smoothly transitions to a state where it ensures electronic vouchers and payment, while the fund management server allocates funds.
  • the method, device and system for transmitting electronic payment information of the electronic voucher provided by the embodiment of the present invention in the e-commerce transaction process, once the goods are signed, the seller end feeds back the payment information to the fund management server to ensure that the electronic certificate continues Effective and smooth transition to a state, so as to ensure that the electronic voucher is timely paid, and the fund management server allocates funds in a timely manner. Therefore, it has industrial applicability.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé, un dispositif et un système de transmission d'informations de paiement par certificat électronique. Le procédé comprend les étapes suivantes consistant à : après avoir pris connaissance d'informations d'accusé de réception d'un article, générer, au moyen d'une extrémité vendeur, des informations de paiement et envoyer les informations de paiement à un second serveur de gestion de fonds ; après réception des informations de paiement, mettre à jour, au moyen du second serveur de gestion de fonds, l'état d'un certificat électronique correspondant à un état de paiement en attente et synchroniser l'état du certificat électronique par rapport à un premier serveur de gestion de fonds. Par le biais de la présente solution technique, l'extrémité vendeur renvoie les informations de paiement en temps opportun, de façon à garantir la poursuite de validité du certificat électronique et un passage sans problème à l'état suivant, ce qui permet aux serveurs de gestion de fonds de garantir un paiement par certificat électronique en temps opportun et un transfert de fonds en temps opportun.
PCT/CN2015/084633 2015-07-21 2015-07-21 Procédé, dispositif et système de transmission d'informations de paiement par certificat électronique Ceased WO2017012043A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/CN2015/084633 WO2017012043A1 (fr) 2015-07-21 2015-07-21 Procédé, dispositif et système de transmission d'informations de paiement par certificat électronique
CA2994573A CA2994573C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme de transmission d'informations de paiement par certificat electronique

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084633 WO2017012043A1 (fr) 2015-07-21 2015-07-21 Procédé, dispositif et système de transmission d'informations de paiement par certificat électronique

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WO2017012043A1 true WO2017012043A1 (fr) 2017-01-26

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PCT/CN2015/084633 Ceased WO2017012043A1 (fr) 2015-07-21 2015-07-21 Procédé, dispositif et système de transmission d'informations de paiement par certificat électronique

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CA (1) CA2994573C (fr)
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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1465022A (zh) * 2000-09-09 2003-12-31 佳技通信有限公司 互联网商务系统和方法
CN1731433A (zh) * 2004-08-07 2006-02-08 王晓东 支付保证券
CN101261706A (zh) * 2007-03-06 2008-09-10 廖用铁 基于银行信用的安全、公平和即时电子交易系统及方法
US20090198586A1 (en) * 2008-01-31 2009-08-06 The Western Union Company Systems and methods to facilitate payment of shipped goods

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1465022A (zh) * 2000-09-09 2003-12-31 佳技通信有限公司 互联网商务系统和方法
CN1731433A (zh) * 2004-08-07 2006-02-08 王晓东 支付保证券
CN101261706A (zh) * 2007-03-06 2008-09-10 廖用铁 基于银行信用的安全、公平和即时电子交易系统及方法
US20090198586A1 (en) * 2008-01-31 2009-08-06 The Western Union Company Systems and methods to facilitate payment of shipped goods

Also Published As

Publication number Publication date
CA2994573A1 (fr) 2017-01-26
CA2994573C (fr) 2024-01-09

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