WO2017012050A1 - Certificate receiving method, apparatus, and system - Google Patents

Abstract

The present invention relates to the technical field of network payment. Provided are a certificate receiving method, apparatus, and system. The method comprises the following steps: receiving a certificate receiving request triggered by a seller side for an electronic certificate, and authenticating the identity of the seller side; and after the authentication is passed, receiving the electronic certificate. The method, apparatus, and system provided by the present invention can reduce the error rate of network payment.

Description

 Receiving method, device and system

 [0001] The present invention belongs to the field of network payment technologies, and in particular, to a method, device and system for receiving a certificate.

 Background technique

 [0002] Traditional online payment tools, such as online banking, third-party payment, etc., are issued by the payment bank or the payment institution, and the payment is made from the payer's account to the payee's designated payee account. The payment process of the payment party, the payee bank or the payment institution is only included in the payee account number after receiving the payment from the payment institution.

 [0003] In the above payment instrument, the payment by the payer, the payer must obtain the complete and accurate account information of the payer to make the payment, and once the payer mistakes the payment object or the amount, the funds will not be reversible. Incorrect accounts, which make it difficult to recover funds or recover costs, are also troublesome for returning unjustly profitable recipients. For the payee, you can only passively collect money, and you cannot reject the money or direct payment. .

 technical problem

 [0004] An object of embodiments of the present invention is to provide a method, apparatus, and system for receiving a certificate, aiming at solving the problem that a payment by a payer causes a high rate of error payment.

 Problem solution

 Technical solution

 [0005] The embodiment of the present invention is implemented as follows, and a method for receiving a certificate is used for a second fund management server, and the method includes the following steps:

 [0006] receiving a receipt request of a certain electronic voucher triggered by the seller, and verifying the seller information;

[0007] After the verification is passed, the electronic voucher is received.

 [0008] Further, the receiving, by the second fund management server, the electronic voucher includes:

[0009] associating the seller end information with the electronic credential;

[0010] Updating the status of the electronic voucher is received.

[0011] Further, the method further includes: [0012] verifying the authenticity of the electronic voucher.

 [0013] Further, after the receiving the electronic voucher, the method further includes:

 [0014] generating a received notification;

 [0015] Sending the received notification to the first fund management server.

 [0016] The present invention further provides a receiving device for the second fund management server, the device comprising: [0017] a receiving module, configured to receive a receipt request of a certain electronic voucher triggered by the seller, the verification office Seller information;

 [0018] The certificate receiving module is configured to receive the electronic certificate after the verification is passed.

[0019] Further, the receiving module includes:

 [0020] an association unit, configured to associate the seller end information with the electronic credential;

[0021] The updating unit is configured to update the status of the electronic voucher as a received certificate.

[0022] Further, the method further includes:

 [0023] a verification module, configured to verify the authenticity of the electronic voucher.

[0024] Further, the device further includes:

[0025] generating a module, configured to generate a received notification;

 [0026] The sending module is configured to send the received notification to the first fund management server.

[0027] The present invention also provides a receipt system, the system comprising a seller end and a second fund management server; wherein:

 [0028] the seller end is configured to receive a notification of the buyer's license; and receive the triggered request for receipt, and send the request to the second fund management server.

[0029] the second fund management server is configured to receive a receipt request of an electronic voucher triggered by the seller, verify the seller information, and receive the electronic voucher after the verification is passed.

[0030] Further, the second fund management server is further configured to verify the authenticity of the electronic voucher. .

 Advantageous effects of the invention

 Beneficial effect

[0031] The electronic certificate receiving method, device and system according to the embodiment of the present invention are applied to an electronic voucher payment activity, and the seller initiates the receipt, which can realize the selective collection of the seller, and can effectively reduce the transaction between the buyer and the seller. Risk, thereby protecting the interests of both buyers and sellers. Brief description of the drawing

 DRAWINGS

 1 is a flowchart of a method for receiving a certificate according to Embodiment 1 of the present invention;

 2 is another flowchart of a method for receiving a certificate according to Embodiment 1 of the present invention;

 3 is a structural diagram of a receiving device according to Embodiment 2 of the present invention;

 4 is a structural diagram of a receiving module in a receiving device according to Embodiment 2 of the present invention;

 5 is another structural diagram of a receiving device according to Embodiment 2 of the present invention;

 6 is a structural diagram of a receipt system provided by Embodiment 3 of the present invention.

Embodiments of the invention

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

 [0039] The electronic voucher involved in the present invention means that the witness (the buyer) stands by the bank account fund or the credit line as a guarantee, and the bank (the first fund management server) promises to settle the payment settlement according to the payment condition. The electronic credit promises to pay the voucher. The electronic voucher is mainly for the buyer's product. The seller (the seller) downloads the cashier access interface, the buyer completes the e-voucher certificate, the seller completes the certificate and performs the contract, applies for the settlement, and the bank judges the settlement condition. After the execution of the payment. E-vouchers can be purchased not only with merchandise, but also for mortgage guarantees, such as individuals who can use a letter of credit from a bank as a guarantee for lending to others.

 [0040] In the embodiment of the present invention, the basic business process of the electronic voucher is: The fund management institution freezes the required amount of funds according to the application of the witness, to establish an electronic voucher, and when the agreed settlement condition is reached, the fund management institution will solve the fund. Pay for payment settlement. details as follows:

 [0041] 1. After the transaction entity forms an order, 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, a witness can apply for a certificate after forming a specific transaction order; or if the transaction order is not formed, the witness will voluntarily apply for the certificate.)

[0042] 2. After receiving the certificate, the e-voucher is established and the corresponding amount of funds or credit line is frozen. [0043] 3. The recipient (such as the seller) applies to the collection agency (such as the collection bank) for the receipt.

 [0044] 4. After the verification information of the certificate receiving institution is correct, the certificate is received, and the electronic certificate enters the performance period, and the certificate holder performs the performance (if the merchant sends the goods, the contract can be considered to have performed the contract).

[0045] 5. After the certificateee performs the contract, the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period, waits for the delivery of the goods, and signs the goods.

[0046] 6. After the witnesses sign the goods, that is, the certificate holder completes the transaction conditions corresponding to the electronic certificate according to the payment conditions of the electronic certificate, the certificate receiving institution requests the card issuing institution to apply for payment.

[0047] 7. The defamation agency removes the freezing of the funds of the witnesses' accounts, transfers the funds to the collection agency, and the collection agency transfers the funds to the recipient's account.

[0048] It should be understood that the above is only one way of using electronic voucher, and it is also possible to use an electronic voucher purchase service. After purchasing the service, such as the hotel transaction scenario, the hotel reservation was successful, that is, the hotel performed the contract.

 [0049] Of course, the electronic voucher can also be used to transfer funds. In different situations, 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.

 [0050] The present invention relates to the buyer side (referring to the client who applies for the establishment of the electronic certificate to the bank); the seller side (refers to the client designated by the certificate holder to accept the funds under the electronic certificate); The server (the server of the bank of the bank) accepts the request of the witness and sets up the electronic certificate according to the information provided and confirmed by it; the second fund management server (the server of the bank receiving the bank) accepts the request of the certificate and provides and The confirmed information receives the electronic voucher.

 Embodiment 1

 [0052] As shown in FIG. 1, a method for receiving a certificate according to Embodiment 1 of the present invention includes the following steps:

 [0053] The second fund management server receives the receipt request of a certain electronic voucher triggered by the seller, and verifies the seller side information, where the seller information includes the identity information and the account information.

[0054] Before the step S1, the seller first receives the notification from the buyer. After the buyer and the seller form an order, or if a transaction order has not been formed, the witness will apply for a certificate from the bank through the buyer. After the bank accepts the certificate, the bank will hold the electronic certificate and freeze the corresponding amount of funds or credit line. The notice is sent to the seller. Then, the seller receives the manually triggered receipt request and sends it to the second fund management server. . This step indicates that the recipient applies for a certificate to the receiving bank, that is, the recipient manually initiates the payment. After receiving the receipt request, the second fund management server verifies the seller information.

 [0055] S2. After the verification is passed, the second fund management server receives the electronic certificate. The second fund management server receives the electronic voucher, and the seller finally provides the receiving bank with the receiving account or identity, and informs the second fund management server of the electronic voucher information corresponding to the receiving account or the identity, and the second fund management server verifies After the electronic voucher is registered with the account or identity of the recipient corresponding to the seller, the associated seller and the electronic voucher are updated, and the second fund management server updates the status of the electronic voucher to the process of receiving the certificate.

 [0056] As shown in FIG. 2, further, after the step S2, the first embodiment of the present invention further includes:

 [0057] S3, generating a notification of receipt of the certificate;

 [0058] S4. Send the received notification to the first fund management server.

[0059] Before or after step S2, the method further includes the steps of:

 [0060] S5. The second fund management server verifies the authenticity of the electronic voucher. The second money management server sends an authentication request to the first fund management server; or, the second money management server verifies the electronic signature of the electronic certificate.

 [0061] Specifically, in step S2, after the second fund management server receives the certificate, the electronic certificate enters the performance period, and the certificate holder performs the performance (for example, the merchant sends the product). After the certificateee performs the contract, the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period (waiting for the delivery of the goods, signing the goods). After the witnesses sign the goods, that is, the certificate holder completes the trading conditions of the buyer's side of the electronic voucher according to the conditions for the payment of the electronic voucher, the second fund management server of the bank is required to apply for the solution to the first fund management server of the bank. pay. The first fund management server releases the freeze on the witness account funds, transfers the funds to the second fund management server, and the second fund management server transfers the funds to the recipient account. Since the electronic voucher can be used to transfer funds, in practice, the performance and receipt can be omitted.

[0062] The method for the recipient of the electronic voucher to initiate the receipt of the electronic voucher according to the first embodiment of the present invention is applied to the electronic voucher payment activity, and the payment process is initiated by the seller side of the recipient side, and the receipt is manually triggered, which can effectively reduce the transaction. The trading risks of both parties will protect the interests of both buyers and sellers.

 Embodiment 2

[0064] Embodiment 2 of the present invention provides a device for receiving a certificate. As shown in FIG. 3, the device package of the second embodiment of the present invention Includes:

 [0065] The receiving module 10 is configured to receive a receipt request of a certain electronic voucher triggered by the seller, and verify the seller information, where the seller information includes identity information and account information;

[0066] The certificate receiving module 20 is configured to receive the electronic certificate after the verification is passed.

[0067] As shown in FIG. 4, the certificate receiving module 20 includes:

[0068] The association unit 21 is configured to associate the seller end with the electronic credential;

[0069] The updating unit 22 sets the state of updating the electronic voucher to the received certificate.

[0070] As shown in FIG. 5, the apparatus of the second embodiment of the present invention may further include:

[0071] The verification module 30 is configured to verify the authenticity of the electronic voucher.

[0072] a generating module 40, configured to generate a received notification;

 [0073] The sending module 50 is configured to send the received notification to the first fund management server.

[0074] Specifically, the working principle of the device in the second embodiment of the present invention is:

 [0075] The seller terminal 10 first receives the notification from the buyer. After the buyer and the seller form an order, or if a transaction order has not been formed, the witness will apply for a certificate from the bank through the buyer. After the bank accepts the certificate, the bank will hold the electronic certificate and freeze the corresponding amount of funds or credit line. The notice is sent to the seller. Then, the seller receives the manually triggered receipt request and sends it to the second fund management server, indicating that the recipient applies for the receipt to the collection bank, that is, the recipient manually initiates the payment.

 [0076] After receiving the receipt request, the receiving module 10 verifies the seller side information.

 [0077] After the verification is passed, the certificate receiving module 20 receives the electronic certificate, the generating module 40 generates the received certificate notification, and the sending module 50 sends the received notification to the first fund management server, so that the first fund management server is based on the received certificate. The notice transfers the funds of the buyer to the second fund management server. Before the receipt module 20 receives the electronic voucher, the verification module 30 may send an verification request to the first fund management server; or, verifying the authenticity of the electronic signature of the electronic voucher to verify the authenticity of the electronic voucher may further improve the security of the electronic voucher.

 [0078] The receiving module 20 receives the electronic voucher, and the seller terminal provides the receiving account or the identity to the issuing bank, and informs the second fund management server of the electronic voucher information corresponding to the receiving account or the identity, and the receiving module 10 After the verification, the association unit 21 registers the electronic voucher with the account or identity of the recipient corresponding to the seller, and the update unit 22 updates the state of the electronic voucher to the process of the certificate.

[0079] After the receipt module 20 receives the certificate, the electronic certificate enters the performance period, and the certificate holder performs the performance (such as the merchant sender). Product). After the certificateee performs the contract, the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period (waiting for the delivery of the goods, signing the goods). After the witnesses sign the goods, that is, the certificate holder completes the trading conditions of the buyer's side of the electronic voucher according to the conditions for the payment of the electronic voucher, the second fund management server of the bank is required to apply for the solution to the first fund management server of the bank. pay. The first fund management server releases the freezing of the funds of the witness account, transfers the funds to the second fund management server, and the second fund management server transfers the funds to the debtor account. Since the electronic voucher can be used to transfer funds, in practice, the performance and receipt can be omitted.

 [0080] The device for initiating the receipt of the electronic voucher proposed by the second embodiment of the present invention is applied to the electronic voucher payment activity, and the payment process is initiated by the seller side of the recipient side, and the receipt is manually triggered, which can effectively reduce the transaction. The trading risks of both parties will protect the interests of both buyers and sellers.

 Embodiment 3

 As shown in FIG. 6, a second embodiment of the present invention provides a system for receiving a certificate, including a second fund management server 200 and a vendor 400;

[0083] The seller side 400 is configured to receive the receipt notification of the buyer; and receive the triggered collection request and send it to the second fund management server 200.

[0084] The second money management server 200 is configured to receive a receipt request of an electronic voucher triggered by the seller 400, verify the seller information, and receive the electronic voucher after the verification is passed.

[0085] The second money management server 200 is further configured to verify the authenticity of the electronic voucher.

[0086] The electronic voucher receiving system proposed in the third embodiment of the present invention is applied to an electronic voucher payment activity, and the seller side initiates a payment process by the seller side, and manually triggers the receipt, which can effectively reduce the transaction risk of the buyer and the seller. To protect the interests of both buyers and sellers.

The above description is only the preferred embodiment of the present invention, and is not intended to limit the present invention, and any modifications, equivalents, and improvements made within the spirit and scope of the present invention should be included in the present invention. Within the scope of protection of the invention. .

 Industrial applicability

 [0088] The electronic certificate receiving method, device and system according to the embodiment of the present invention are applied to an electronic voucher payment activity, and the seller initiates the receipt, which can realize the selective collection of the seller, and can effectively reduce the transaction between the buyer and the seller. Risk, thereby protecting the interests of both buyers and sellers. Therefore, it has industrial applicability.

Claims

 Claim A method for receiving a certificate for a second fund management server, the method comprising the steps of: receiving a certificate request of an electronic certificate triggered by a seller, verifying the seller information; and after receiving the verification, receiving the electronic certificate. The method of claim 10, wherein the receiving the electronic voucher by the second money management server comprises: Associating the seller end information with the electronic voucher; The status of the electronic voucher is updated to be certified. The method of claim according to claim 1 or 2, wherein the method further comprises: verifying the authenticity of the electronic voucher. The method according to claim 1 or 2, wherein after the receiving the electronic voucher, the method further comprises:  Generate a notification of receipt of the certificate;  Send the received notification to the first fund management server. A receiving device, configured to be used by a second fund management server, the device comprising: a receiving module, configured to receive a receiving request of an electronic voucher triggered by a seller, and verify the seller information; The certificate receiving module is configured to receive the electronic voucher after the verification is passed. . The receiving device according to claim 5, wherein the receiving module comprises: an associating unit, configured to associate the seller information with the electronic voucher; And an update unit, configured to update the status of the electronic voucher as a received certificate. The receiving device according to claim 5 or 6, further comprising: a verification module, configured to verify the authenticity of the electronic voucher. The receiving device according to claim 5 or 6, wherein the device further comprises:  a generating module, configured to generate a received notification;  The sending module is configured to send the received notification to the first fund management server. A receipt system, the system includes a seller end and a second fund management server; wherein: the seller end is configured to receive a notification of the buyer's license; and receive the triggered receipt And sent to the second money management server.  And the second fund management server is configured to receive the receipt request of the electronic credential triggered by the seller, verify the seller information, and receive the electronic credential after the verification is passed.  [Claim 10] The system of claim 9, wherein the second money management server is further configured to verify the authenticity of the electronic voucher.