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WO2017012061A1 - Procédé, dispositif et système pour ouvrir un certificat électronique - Google Patents

Procédé, dispositif et système pour ouvrir un certificat électronique Download PDF

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Publication number
WO2017012061A1
WO2017012061A1 PCT/CN2015/084658 CN2015084658W WO2017012061A1 WO 2017012061 A1 WO2017012061 A1 WO 2017012061A1 CN 2015084658 W CN2015084658 W CN 2015084658W WO 2017012061 A1 WO2017012061 A1 WO 2017012061A1
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WO
WIPO (PCT)
Prior art keywords
payment account
payment
terminal
request
electronic voucher
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/CN2015/084658
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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/CN2015/084658 priority Critical patent/WO2017012061A1/fr
Priority to CA2994905A priority patent/CA2994905C/fr
Publication of WO2017012061A1 publication Critical patent/WO2017012061A1/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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to the field of network payment technologies, and in particular, to a method, apparatus, and system for establishing an electronic voucher.
  • Payment refers to the payment of money based on economic contracts during trading activities.
  • many banks or enterprises provide online payment services, allowing users to operate terminal devices such as computers and mobile phones to realize online payment.
  • the way of online payment provides users with great convenience.
  • most of the funds in the bank card are directly transferred to the other party's account, or transferred to a third party institution as a guarantee.
  • the main object of the present invention is to provide a method, apparatus and system for establishing an electronic voucher, aiming at reducing transaction risk and improving the flexibility and efficiency of electronic voucher standing.
  • the present invention provides a method for applying an electronic voucher to a fund management server, comprising the steps of:
  • the electronic credit certificate is established after the corresponding amount of funds or the credit line in the second payment account is frozen.
  • the present invention also provides a method for applying an electronic voucher to a certificate terminal, comprising the steps of:
  • the present invention provides an apparatus for applying an electronic voucher to a fund management server, including: [0017] a first authentication module, configured to send a request according to a certificate sent by a certificate terminal and a payment terminal The first payment account information begins to stand for the electronic voucher;
  • a change module configured to receive a change payment account request sent by the certificate terminal or the payment terminal, and agree to change the payment account, feedback to agree to change the information of the payment account, and receive the Second payment account information sent by the payment terminal;
  • a verification module configured to verify the second payment account information
  • the second certificate module is configured to: after the second payment account information is verified to pass, freeze the corresponding amount of funds in the second payment account or credit the electronic certificate.
  • the present invention also provides an apparatus for applying an electronic voucher to a certificate terminal, comprising:
  • the payment requesting module is configured to send a request to the payment terminal as a request for the electronic voucher payer, and after receiving the information sent by the payment terminal as the electronic voucher payer, notify the authentication request module;
  • the certificate requesting module is configured to send a certificate request to the fund management server, and notify the payment terminal, so that the payment terminal sends the first payment account information to the fund management server;
  • a first change request module configured to send a change branch to the fund management server during the verification process Paying an account request; after receiving the information sent by the fund management server to agree to change the payment account, sending a change payment account request to the payment terminal, so that the payment terminal sends the second payment account information to the fund management server.
  • the present invention also provides a system for establishing an electronic voucher, including a certificate terminal, a payment terminal, and a money management server, wherein:
  • the certificate terminal is configured to send a request to the payment terminal as a request for an electronic voucher payer; after receiving the information sent by the payment terminal as the electronic voucher payer, send the message to the fund management server. Request the certificate and notify the payment terminal;
  • the payment terminal is configured to, according to the request, the information as the electronic voucher payer to agree to the information as the electronic voucher payer; after receiving the notification that the request for the certificate is sent to the fund management server, Transmitting, by the fund management server, first payment account information; sending a change payment account request to the fund management server during the verification process; and receiving the information sent by the fund management server to agree to change the payment account, to the funds
  • the management server sends the second payment account information
  • the money management server is configured to initiate the execution of the electronic voucher according to the certificate request and the first payment account information; in the process of receiving the certificate, receiving the change payment account request, when agreeing Changing the payment account, feedback agrees to change the information of the payment account; receiving the second payment account information and performing verification; after the verification is passed, freezing the corresponding amount of funds or the credit line in the second payment account to establish an electronic voucher.
  • the method, device and system for establishing an electronic voucher provided by the invention can establish an electronic voucher with a promised payment function, reduce the transaction risk, and allow the electronic voucher to be in the process of standing up.
  • the request to change the payment account is subsequently proposed without the need to re-submit the request for the electronic voucher, thereby increasing the flexibility and efficiency of the electronic voucher.
  • FIG. 1 is a flow chart of a first embodiment of a method for arranging an electronic voucher according to the present invention
  • 2 is a schematic diagram of interaction of each main body of an electronic voucher in an embodiment of the present invention
  • 3 is a flowchart of the fund management server verifying the second payment account information in the embodiment of the present invention
  • FIG. 4 is a flow chart of a second embodiment of a method for arranging an electronic voucher according to the present invention.
  • FIG. 5 is a flow chart of a third embodiment of a method for arranging an electronic voucher according to the present invention.
  • FIG. 6 is a block diagram showing an embodiment of a system for arranging an electronic voucher according to the present invention.
  • FIG. 7 is a block diagram showing a first embodiment of a device for arranging an electronic voucher according to the present invention.
  • FIG. 8 is a block diagram showing a second embodiment of the apparatus for arranging an electronic voucher according to the present invention.
  • FIG. 9 is a block diagram showing a third embodiment of the apparatus for arranging an electronic voucher according to the present invention.
  • FIG. 10 is a block diagram showing a fourth embodiment of the apparatus for arranging an electronic voucher according to the present invention.
  • the fund management server is a server of the fund management institution, and the fund management institution refers to an organization capable of supporting capital flow, including but not limited to banks and other financial institutions (such as securities institutions, third-party payment platforms, etc.) ), that is, the fund management server includes a bank server or other financial institution server.
  • the electronic voucher refers to an electronic credit commitment payment voucher that the fund management server freezes funds according to the application of the witness and uses the credit line and stands in the name of the fund management institution, and promises to settle according to the agreed conditions. .
  • the witness (usually the buyer) is the subject of applying for the electronic certificate to the fund management institution, and may be a natural person, a legal person or other organization, and the witness is a terminal held by the witness.
  • the payer is the subject of the electronic certificate voucher at the request of the witness, and the fund or the credit line of the account is used as the security for the witness to provide the electronic voucher, which may be a natural person, The legal person or his organization, the payment end is the terminal held by the payer.
  • the electronic voucher is actually the fund management server that registers the frozen funds under the account of the witness.
  • the basic business process of the electronic voucher is: the fund management institution is based on the application of the witness The required amount of funds shall be frozen to establish an electronic certificate. When the agreed settlement conditions are fulfilled, the fund management agency will release the funds for payment settlement. details as follows:
  • the witness (such as the buyer) applies for a certificate to the securities institution (ie, the fund management institution of the electronic certificate, such as the bank,) (of course, the witness may form a specific
  • the trading order is not required to apply for a certificate; or if the trading order is not formed, the witness will voluntarily apply for the certificate.
  • the recipient (such as the seller) applies to the collection agency (such as the collection bank) for the receipt.
  • the collection agency such as the collection bank
  • the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period, waits for the delivery of the goods, and signs the goods.
  • the electronic voucher can also be used to transfer funds.
  • the understanding of performance and receipt has also changed. That is to say, when a merchant provides a commodity or service, it may directly cause the status of the electronic voucher to flow through the performance period and the receipt period, and directly enter the settlement, such as a face-to-face transaction.
  • FIG. 1 and FIG. 2 a first embodiment of a method for establishing an electronic voucher according to the present invention is provided.
  • the method in this embodiment is applied to a fund management server, and the method includes the following steps:
  • the certificate terminal first sends a request to the payment terminal to request the payment terminal as the electronic certificate payer; after receiving the request, the payment terminal agrees to be the electronic certificate payer, and then agrees the information.
  • the certificate terminal sends a certificate request to the fund management server, and the certificate request includes the amount of the certificate;
  • the fund management server receives the certificate request sent by the card terminal; Immediately sending a notification of the issued request to the payment terminal; the payment terminal sends the first payment account information to the fund management server by logging in the corresponding webpage, application, etc.; after receiving the first payment account information, the fund management server according to the
  • the certificate request and the first payment account information are used to perform the electronic certificate, specifically including verifying the first payment account information, such as verifying whether the balance of the first payment account or the credit line balance is greater than or equal to the amount of the certificate.
  • step S12 Receive a change payment account request, and determine whether to agree to change the payment account. When it is agreed to change the payment account, step S13 is performed; otherwise, the process is ended, or the feedback rejects the change of the payment account information, and whether or not to continue to establish the electronic voucher according to the first payment account information.
  • step S12 before the fund management server successfully sets up the electronic certificate according to the request for confirmation and the first payment account information, the payment terminal may then submit a request for changing the payment account to the fund management server.
  • the payment terminal sends a change payment account request to the fund management server, and after receiving the change payment account request, the fund management server checks whether the request meets the conditions, including The condition (such as whether it is before the successful completion of the electronic voucher) or other prohibited conditions, etc., agree to change the payment account after the approval, and does not agree to change the payment account when the review fails.
  • the condition such as whether it is before the successful completion of the electronic voucher
  • other prohibited conditions etc.
  • the request to change the payment account may also be made by the certificate terminal to the money management server.
  • the certificate terminal sends a change payment account request to the fund management server, and after receiving the change payment account request, the fund management server checks whether the request meets the conditions, and agrees to change the payment account when the approval is passed. If the review fails, the payment account will be rejected.
  • the fund management server feeds back to the payment terminal to agree to change the information of the payment account.
  • the fund management server feeds back to the card terminal to agree to change the payment account information, and the card terminal sends a change payment account request to the payment terminal.
  • the fund management server may also feed back to the payment terminal and the certificate terminal to agree to change the information of the payment account.
  • Step S14 Receive second payment account information sent by the payment terminal and perform verification.
  • ⁇ execute Step S15;
  • the verification fails, the process ends, and the peer can also feed back the failure information of the electronic certificate to the certificate terminal (or the certificate terminal and the payment terminal).
  • the payment terminal after receiving the information that agrees to change the payment account, the payment terminal sends the second payment account information to the fund management server.
  • the fund management server After receiving the second payment account information, the fund management server terminates the process of establishing the electronic voucher according to the first payment account information, and then performs the erection of the electronic voucher according to the second payment account information, that is, the second payment Account information is verified.
  • the process by which the money management server verifies the second payment account information will be described in detail later.
  • step S15 after the second payment account information is verified, the fund management server freezes the amount of funds or credits in the second payment account equal to the amount of the credit card, and sets up the electronic voucher. It is also possible to further inform the card terminal (or the certificate terminal and the payment terminal) that the electronic certificate is successful.
  • step S16 may also be omitted.
  • the second payment account information includes a second payment account name and a second payment account amount
  • the process of the fund management server verifying the second payment account information is specifically as shown in FIG. 3, and includes the following steps.
  • step S141 Verify the second payment account name.
  • step S142 is performed.
  • S142 Verify the second payment account amount, and determine whether the second payment account amount is greater than or equal to the ⁇ certificate amount. When the amount of the second payment account is greater than or equal to the amount of the certificate, the verification is passed; otherwise, the verification fails.
  • the second payment account amount is the fund balance or credit line balance of the second payment account
  • the payment account may be changed two or more times before the successful verification.
  • the certificate terminal or the payment terminal may also request the fund management server to make a second change to the payment account, and may propose a third time after the second change is made and the electronic certificate is successfully established. Change, and so on.
  • a second embodiment of the method for establishing an electronic voucher according to the present invention is provided.
  • the method of the present embodiment is applied to the authentication terminal, and the method includes the following steps: [0080] S21. Send a request to the payment terminal as a request for the electronic voucher.
  • the payment information is sent to the certificate terminal; after receiving the consent information, the card terminal manages the fund.
  • the server sends a request for a certificate, and the request for the certificate includes the amount of the certificate.
  • the certificate terminal after sending the certificate request to the fund management server, the certificate terminal sends a notification of the issued certificate request to the payment terminal, so that the payment terminal can log in to the corresponding webpage, application, etc.
  • the method sends the first payment account information to the fund management server, and the fund management server performs the erection of the electronic certificate accordingly.
  • the card terminal can then send a request to change the payment account to the fund management server.
  • the fund management server After receiving the change of the payment account request, the fund management server reviews whether the request meets the condition, and when the approval is passed, returns the information to the card terminal to agree to change the payment account.
  • the certificate terminal After receiving the consent information, the certificate terminal sends a change payment account request to the payment terminal, so that the payment terminal sends the second payment account information to the fund management server, and the fund management server performs the electronic certificate cues according to the second payment account information.
  • FIG. 5 and FIG. 2 a third embodiment of the method for establishing an electronic voucher according to the present invention is provided.
  • the method in this embodiment is applied to a payment terminal, and the method includes the following steps:
  • S3 feeds back to the card terminal to approve the information as the electronic voucher payer.
  • step S33 before the fund management server successfully sets up the electronic certificate according to the request for confirmation and the first payment account information, the payment terminal may subsequently send a request for changing the payment account to the fund management server.
  • the fund management server after receiving the change of the payment account request, the fund management server reviews whether the request meets the condition, and returns the information of the payment account to the payment terminal after the approval is passed.
  • the payment terminal receives the information agreeing to change the payment account, it immediately sends the second payment account information to the fund management server.
  • the witness and the payer are two different subjects, that is, the certificate terminal and the payment terminal are two different terminals.
  • the witness is the payer, that is: the witness uses his first account as a guarantee to apply for the establishment of an electronic certificate to the fund management institution, and the witness and the payment terminal are the same terminal.
  • the certificate terminal directly sends the witness request and the first account information to the fund management server.
  • the card terminal proposes to change the first payment account to the second payment account to the fund management server.
  • the method for establishing an electronic voucher according to the present invention in the process of establishing an electronic voucher, may promptly propose a change payment account to the fund management institution without resubmitting the electronic voucher request.
  • payment through electronic voucher reduces transaction risk; on the other hand, it increases the flexibility and efficiency of the electronic voucher.
  • the system includes a certificate terminal, a payment terminal, and a fund management server, wherein:
  • ⁇ certificate end set to send a request to the payment end as a request for the electronic voucher payer, and receive feedback information of the payment end; when the feedback information of the payment end is agreed to be the electronic voucher payer, send the stipend to the fund management server Request, and notify the payment side.
  • the verification terminal may send a change payment account request to the fund management server during the verification process; and send a change to the payment terminal after receiving the information sent by the fund management server to agree to change the payment account.
  • Payment account request is configured to receive the request sent by the verification terminal as a request of the electronic voucher payer, and when agreeing to be the electronic voucher payer, feedback to the card terminal to agree to the information as the electronic voucher payer; After sending the notification that the certificate request has been sent to the fund management server, the first payment account information is sent to the fund management server; in the process of the certificate, the change payment account request is sent to the fund management server, and the fund management server sends the request After agreeing to change the information of the payment account, the second payment account information is sent to the fund management server.
  • the second payment account information is sent to the fund management server.
  • the fund management server configured to receive the certificate request sent by the certificate terminal and the first payment account information sent by the payment terminal; perform the electronic certificate according to the certificate request and the first payment account information; Receiving a change payment account request, and when agreeing to change the payment account, feedback agrees to change the information of the payment account, and notifies the first certificate module to terminate the electronic certificate; and receives the second payment account information sent by the payment terminal and performs Verification, after the verification is passed, the electronic voucher is established after freezing the corresponding amount of funds or the credit line in the second payment account.
  • FIG. 7 a first embodiment of an apparatus for arranging an electronic voucher according to the present invention is provided.
  • the device of this embodiment is applied to the foregoing fund management server, and includes a first authentication module, a change module, a verification module, and a second authentication certificate. Module, where:
  • the first certificate module is configured to receive the certificate request sent by the certificate terminal and the first payment account information sent by the payment terminal, and start the electronic certificate according to the certificate request and the first payment account information.
  • a change module configured to receive a change payment account request during the verification process, and when agreeing to change the payment account, feedback agrees to change the payment account information, and receives the second payment account information sent by the payment terminal.
  • the change module After the change module receives the change payment account request sent by the certificate terminal or the payment terminal, the change module requests the change payment account request, and the feedback agrees to change the payment account information after the approval is passed.
  • the verification module is configured to: verify the second payment account information, and when the verification is passed, freeze the second payment account An electronic voucher is established after the corresponding amount of funds or credit line.
  • the second payment account information includes a second payment account name and a second payment account amount.
  • the verification module first verifies the second payment account name; after the second payment account name is successfully verified, it is verified whether the second payment account amount is greater than or equal to the amount of the certificate; when the second payment account amount is greater than or equal to If the amount of the certificate is ⁇ , the verification is passed; otherwise, the verification fails.
  • the amount of the second payment account is the balance of the funds of the second payment account or the balance of the credit line
  • the second authentication module is configured to: after the second payment account information is verified to pass, freeze the corresponding amount of funds or credit in the second payment account to establish an electronic voucher.
  • FIG. 8 is a second embodiment of the apparatus for arranging an electronic voucher according to the present invention.
  • the device of the embodiment is also applied to the foregoing fund management server.
  • the difference between this embodiment and the first embodiment is that an update is added.
  • the module, the update module is configured to update the status of the electronic voucher after the electronic voucher is established.
  • FIG. 9 a third embodiment of an apparatus for arranging an electronic voucher according to the present invention is provided.
  • the device of this embodiment is applied to the foregoing authentication end, and the device includes a payment requesting module, a requesting module, and a first change request. Module, where:
  • the payment requesting module is configured to send a request to the payment terminal as the electronic voucher payer, and receive the feedback information of the payment end, and when the feedback information is received as the electronic voucher payer, the notification request module is notified.
  • the certificate requesting module is configured to: when the feedback information of the payment terminal is agreed to be the electronic certificate payer, send the request to the fund management server, and notify the payment terminal, so that the payment terminal sends the first payment to the fund management server. account information.
  • a first change request module configured to send a change payment account request to the fund management server during the verification process; and send a change payment account to the payment terminal after receiving the information sent by the fund management server to agree to change the payment account Requesting, so that the payment terminal sends the second payment account information to the fund management server.
  • a fourth embodiment of an apparatus for arranging an electronic voucher according to the present invention is provided.
  • the device of this embodiment is applied to the foregoing payment terminal, and the device includes a payment request feedback module, a payment information sending module, and a second change request. Module, where:
  • a payment request feedback module configured to receive a request sent by the certificate terminal as a request of the electronic certificate payer When agreeing to be the electronic voucher payer, the feedback agrees as the electronic voucher payer's information, otherwise it will not respond or feedback the information disagreeing as the electronic voucher payer;
  • a payment information sending module configured to send the first payment account information to the fund management server after receiving the notification that the certificate terminal has sent the certificate request to the fund management server;
  • a second change request module configured to send a change payment account request to the fund management server during the verification process, and send a second message to the fund management server after receiving the information of the payment management account sent by the fund management server Pay account information.
  • the device for the electronic voucher provided by the above embodiment is the same as the method embodiment of the electronic voucher.
  • the specific implementation process is described in the method embodiment, and the technical features in the method embodiment are in the device embodiment. Both are applicable, and will not be described here.
  • the apparatus for arranging an electronic voucher of the present invention can subsequently propose a change payment account in the process of establishing an electronic voucher without resubmitting the electronic voucher request.
  • payment through electronic voucher reduces transaction risk; on the other hand, it increases the flexibility and efficiency of the electronic voucher.
  • the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • the method, device and system for establishing an electronic voucher provided by the invention can establish an electronic voucher with a promised payment function, reduce the transaction risk, and allow the electronic voucher to be in the process of standing up.
  • the request to change the payment account is subsequently proposed without the need to re-submit the request for the electronic voucher, thereby increasing the flexibility and efficiency of the electronic voucher.

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Abstract

La présente invention concerne un procédé et un dispositif pour ouvrir un certificat électronique. Le procédé comprend les étapes suivantes consistant à : commencer l'ouverture d'un certificat électronique selon une demande d'émission envoyée par une extrémité d'émission et selon des premières informations de compte de paiement envoyées par une extrémité de paiement ; au cours du processus d'émission, recevoir une demande de modification de compte de paiement envoyée par l'extrémité d'émission ou l'extrémité de paiement et, en cas d'accord pour la modification d'un compte de paiement, renvoyer des informations d'accord de modification de compte de paiement ; recevoir des secondes informations de compte de paiement envoyées par l'extrémité de paiement et réaliser une vérification ; après que la vérification a été réussie, geler des fonds ou une limite de crédit, correspondant à une limite, dans un second compte de paiement puis ouvrir le certificat électronique. Dans le procédé, le dispositif et le système pour ouvrir un certificat électronique, l'ouverture d'un certificat électronique ayant une fonction d'obligation de paiement réduit le risque de la transaction et l'autorisation de soumettre une demande de modification de compte de paiement à n'importe quel moment au cours d'un processus d'ouverture de certificat électronique sans qu'il soit nécessaire de resoumettre une demande d'ouverture d'un certificat électronique augmente la flexibilité et l'efficacité pour ouvrir le certificat électronique.
PCT/CN2015/084658 2015-07-21 2015-07-21 Procédé, dispositif et système pour ouvrir un certificat électronique Ceased WO2017012061A1 (fr)

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PCT/CN2015/084658 WO2017012061A1 (fr) 2015-07-21 2015-07-21 Procédé, dispositif et système pour ouvrir un certificat électronique
CA2994905A CA2994905C (fr) 2015-07-21 2015-07-21 Procede, dispositif et systeme pour ouvrir un certificat electronique

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CN107833131A (zh) * 2017-10-31 2018-03-23 中国银行股份有限公司 跨行支付对账预警方法、装置、计算机设备及存储介质
CN107909464A (zh) * 2017-10-31 2018-04-13 中国银行股份有限公司 跨行支付对账预警方法、装置、计算机设备及存储介质

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