WO2017012052A1 - Electronic certificate receiving method, device and system - Google Patents

Abstract

An electronic certificate receiving method, device and system, belonging to the technical field of Internet finance. The method comprises: a second client sends at least two receiving requests to a second funds management server (S101); the second funds management server sequentially receives one receiving request (S102); the second funds management server verifies seller information corresponding to a current receiving request (S103); if verification is passed, the second funds management server receives an electronic certificate corresponding to the current receiving request (S104); the second funds management server repeatedly executes the above steps until the last receiving request has been processed (S105). In the present method, the second client sends the receiving requests and the second funds management server verifies the seller information, thereby implementing selective receiving by a seller, reducing a network payment error rate, and reducing the transaction risk for both a buyer and the seller.

Description

 Method, device and system for receiving electronic voucher

 [0001] The present invention relates to the field of Internet finance technologies, and in particular, to a method, device and system for receiving electronic voucher.

 Background technique

 [0002] Payment refers to the payment of money based on economic contracts during trading activities. Many banks or enterprises provide online payment tools that allow users to operate terminal devices such as computers and mobile phones to implement online payment. The way of online payment provides users with great convenience. However, in the traditional online payment methods, such as online banking, third-party payment, etc., the payment is issued by the bank or the payment institution, and the payment is made from the payer account to the payee's designated payee account. The payment process of the payment party, the payee bank or the payment institution will only be credited to the payee account after receiving the payment from the payment institution.

[0003] In the above payment method, the paying party must obtain the complete and accurate account information of the payee to make the payment, and once the paying party mistakes the payment object or the amount, the funds will not be reversibly paid to the wrong account, resulting in funds. It is difficult to recover or recover, and the problem is also caused by the payee who needs a refund. For the payee, there is no independent collection process, only passive collection, can not refuse to account, nor can it selectively collect money, can not meet the seller's selective collection of transaction order information and transaction objects. demand.

 technical problem

 In view of the above, the technical problem to be solved by the present invention is to provide a method and apparatus for collecting electronic voucher to solve the technical problem that the seller cannot selectively collect the payment.

 Problem solution

 Technical solution

[0005] The technical solution adopted by the present invention to solve the above technical problems is as follows:

[0006] According to an aspect of the present invention, a method for receiving an electronic voucher includes the following steps: [0007] S101: The second client sends at least two receiving requests to the second fund management server; [0008] S102. The second fund management server sequentially receives a receipt request.

 [0009] S103, verifying the corresponding seller information for the current receipt request, if the verification is passed, step S104 is performed, otherwise step S105 is performed;

[0010] S104. Receive an electronic voucher corresponding to the current receipt request.

 [0011] S105. Determine whether the current receipt request is the last receipt request. If yes, the process ends. If not, the process returns to step S102.

[0012] According to another aspect of the present invention, a method for receiving an electronic voucher is provided for use in a second fund management server, the method comprising the steps of:

[0013] S401. The second fund management server sequentially receives one of the at least two receiving requests sent by the second client.

 [0014] S402, verifying the corresponding seller information for the current receipt request, if the verification is passed, step S403 is performed, otherwise step S404 is performed;

[0015] S403. Receive an electronic voucher corresponding to the current receipt request.

 [0016] S404. Determine whether the current receipt request is the last receipt request. If yes, the process ends, otherwise, the process returns to step S402.

 [0017] According to still another aspect of the present invention, a receiving device for an electronic voucher is provided for use in a second money management server, the device comprising the following modules:

[0018] The receiving module is configured to sequentially receive one of the at least two receiving requests sent by the second client;

 [0019] the verification module is configured to verify the corresponding seller information for the current receipt request, and determine whether the verification is verified

[0020] the processing module is configured to receive the electronic credential corresponding to the current receiving request when the current receiving request passes the verification;

 [0021] The determining module is configured to determine whether the received receiving request is the last receiving request, and if yes, the process ends, and if not, the receiving module is notified to receive the next receiving request.

 [0022] According to still another aspect of the present invention, a receiving system for an electronic voucher includes a second client and a second money management server, wherein:

[0023] the second client is configured to send at least two receipt requests to the second fund management server; [0024] The second fund management server is configured to receive a receiving request in sequence; verify the corresponding seller information for the current receiving request, and if verified, receive the electronic certificate corresponding to the current receiving request; Whether the request is the last receipt request, and if so, the process ends, otherwise the next receipt request is received.

 Advantageous effects of the invention

 Beneficial effect

 [0025] The method, device and system for receiving electronic voucher provided by the invention provide a second fund server to verify the seller's information through the second client, and the seller can selectively collect the money and reduce the network. The error rate of payment reduces the trading risk of buyers and sellers.

 Brief description of the drawing

 DRAWINGS

 FIG. 1 is a flowchart of a method for receiving an electronic voucher according to Embodiment 1 of the present invention.

2 is a flowchart of a method for receiving an electronic voucher according to Embodiment 2 of the present invention.

3 is a flowchart of a method for receiving an electronic voucher according to Embodiment 3 of the present invention.

4 is a flowchart of a method for receiving an electronic voucher according to Embodiment 4 of the present invention.

FIG. 5 is a flowchart of a method for receiving an electronic voucher according to Embodiment 5 of the present invention.

6 is a flowchart of a method for receiving an electronic voucher according to Embodiment 6 of the present invention.

7 is a block diagram of a device for receiving an electronic voucher according to Embodiment 7 of the present invention.

8 is a block diagram of a device for receiving an electronic voucher according to an eighth embodiment of the present invention.

9 is a block diagram of still another apparatus for receiving an electronic voucher according to Embodiment 8 of the present invention.

10 is a system structural diagram of a system for receiving an electronic voucher according to Embodiment 8 of the present invention.

Embodiments of the invention

 [0036] The present invention will be further described in detail 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.

[0037] In the embodiment of the present invention, the electronic voucher is used by the buyer as a deposit with its account fund or credit line. If the application is submitted to the fund management institution, the fund management agency shall undertake to handle the electronic credit certificate for settlement and payment in accordance with the payment conditions. The electronic voucher is an Internet-based financial instrument paid by the fund management institution's credit commitment. It is mainly for the buyer's product. The seller downloads the cashier access interface, and the buyer completes the e-voucher certificate, the seller completes the certificate and performs the contract. 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 one that supports financial flows, including but not limited to banks and other financial institutions (such as securities institutions). Correspondingly, the fund management server includes a bank server or other financial institution server; the fund management account includes a bank loan account or an account of another financial institution.

 [0038] 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 terminal. Of course, the buyer can also voluntarily apply for a certificate without forming a transaction order. After the first fund management server is processed, the electronic certificate is submitted according to the application for the certificate, and the corresponding amount of funds or the credit amount of the buyer account is frozen. After confirming the order, the seller applies for the receipt to the second fund management server (that is, the server of the collection fund management institution) through the second client (the certificate receiving end), and the second fund management server verifies the information, and then receives the certificate, the electronic certificate Enter the performance period, waiting for the seller to send goods or provide services. After the seller performs the contract, 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 voucher. The electronic voucher enters the signing period and waits for the buyer to sign the goods. After 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. Within the time limit for applying for payment, the seller entrusts the second fund management server to apply for settlement to the first fund management server. After the first fund management server determines that the settlement condition has been reached, 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.

 [0039] wherein, after the electronic voucher is established, the validity period is divided into three segments, and the interim time period is uploaded on the electronic voucher, which is the time limit for the seller to receive the certificate, perform the contract, and apply for the payment. If the corresponding action is not executed within the time limit, The electronic voucher is invalid.

[0040] It should be understood that the above is only one way of using the electronic voucher, and it is also possible to use the electronic voucher to purchase the service. In the purchase of the service, such as the hotel transaction scenario, the hotel reservation is successful, that is, the hotel has performed About. Of course, electronic vouchers 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.

[0041] Embodiment 1

 [0042] As shown in FIG. 1 , a method for receiving an electronic voucher according to an embodiment of the present invention includes the following steps: [0043] S101. The second client sends at least two receipt requests to the second fund management server.

[0044] Specifically, after the seller confirms the order, the second client sends a batch of at least two receipt requests to the second fund management server. The receipt request includes at least electronic voucher information and seller information, and the electronic voucher information includes at least an electronic voucher number, and may also be combined with any one or more of the following parameters: payment effect, transaction object information, settlement rate, The information of the card, the amount of the certificate, the period of performance, the period of receipt, the model of the electronic certificate and the mode of payment. Seller information includes seller identity information and/or seller account information. For example, in an embodiment where a card issuance (i.e., the seller has a collection account receipt at the second fund management server), the receipt request may have only electronic voucher information and seller identity information. In the embodiment of the cardless receipt (ie, the seller does not have the receipt account receipt in the second fund management server), the receipt request includes electronic voucher information, and also includes the collection account information or the identity information, so that the second fund management server After the verification is successful, the electronic voucher is registered under the seller's account or identity. S102. The second fund management server sequentially receives a receipt request.

 [0045] S103. Verify the corresponding seller information for the current certificate request. If the verification is passed, step S104 is performed, otherwise step S105 is performed.

 [0046] Specifically, the step includes verifying the identity information of the seller and/or the account information of the seller for all the received confirmation requests. The seller identity information is verified by verifying the 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 user identity authentication or transaction security. If the verification is passed, the corresponding silver letter receipt is received. If the verification fails, the corresponding electronic certificate is not received. Of course, the information that the verification fails may be fed back to the second client.

 [0047] S104. Receive an electronic voucher corresponding to the current receipt request.

[0048] Specifically, the step includes: registering the electronic voucher corresponding to the current receipt request verified by the seller information, and updating the status of the electronic voucher corresponding to the current collection request as the received certificate. [0049] S105. Determine whether the current receiving request is the last receiving request, and if yes, end the process, otherwise return to step S102.

 [0050] In the embodiment of the present invention, the second client sends the receipt request and the second fund server verifies the seller's information, so that the seller can selectively collect the payment, and can reduce the error rate of the network payment, and reduce the buyer and seller's Trading risk.

 Embodiment 2

 [0052] As shown in FIG. 2, a method for receiving an electronic voucher according to an embodiment of the present invention includes the following steps: [0053] S201. The second client sends at least two receipt requests to the second fund management server.

[0054] S202. The second fund management server sequentially receives a receipt request.

 [0055] S203. Verify the corresponding seller identity information and/or account information for the current certificate request. If the verification is passed, step S204 is performed, otherwise step S208 is performed.

[0056] S204: The electronic voucher corresponding to the current receipt request is registered, and the status of the electronic voucher corresponding to the current collection request is updated as the received certificate.

[0057] S205. Generate an electronic voucher received notification corresponding to the current receipt request, and send the notification to the corresponding first asset management server.

 [0058] S206. Determine whether the current receiving request is the last receiving request, and if yes, perform step S207.

, otherwise return to step S202.

[0059] S207. End the process.

 [0060] In the embodiment of the present invention, on the basis of the foregoing Embodiment 1, the second fund management server generates a received notification after each receiving an electronic voucher, and sends the notification to the corresponding first fund management server, so that the electronic voucher Successfully entered the follow-up session.

 Embodiment 3

 [0062] As shown in FIG. 3, a method for receiving an electronic voucher according to an embodiment of the present invention includes the following steps: [0063] S301: The second client sends at least two receipt requests to the second fund management server.

[0064] S302. The second money management server sequentially receives a receipt request.

 [0065] S303. Verify the corresponding seller identity information and/or account information for the current certificate request. If the verification is passed, step S304 is performed, otherwise step S305 is performed.

[0066] S304. The electronic voucher corresponding to the current receipt request is registered, and the electric power corresponding to the current collection request is updated. The status of the sub-voucher is the received certificate.

 [0067] S305. Determine whether the current receiving request is the last receiving request, and if yes, perform step S306.

, otherwise return to step S302.

[0068] S306. Generate a batch notification for all the verified receipt requests.

[0069] S307. Send all generated received notifications in batches to the corresponding first fund management server.

[0070] In the embodiment of the present invention, on the basis of the foregoing Embodiment 1, after all the electronic vouchers are sequentially collected, the received notifications are collectively generated and sent to the corresponding first fund management server in batches, so that the electronic vouchers are smooth. Entering the follow-up peers further improved the efficiency of collection.

Embodiment 4

 [0072] As shown in FIG. 4, a method for receiving an electronic voucher according to an embodiment of the present invention is applied to a second fund management server, and the method includes the following steps:

[0073] S401. The second fund management server sequentially receives one of the at least two receiving requests sent by the second client.

 [0074] S402, verifying the corresponding seller information for the current collection request, if the verification is passed, step S403 is performed, otherwise step S404 is performed;

[0075] S403. Receive an electronic voucher corresponding to the current receipt request.

 [0076] S404. Determine whether the current receipt request is the last receipt request. If yes, the process ends, otherwise, the process returns to step S402.

 In the embodiment of the present invention, the second funds server realizes the selective collection of the seller by sequentially receiving the receipt request, verifying the seller's information and the receipt, and can reduce the error rate of the network payment.

 [0078]

 [0079] Embodiment 5

 [0080] As shown in FIG. 5, a method for receiving an electronic voucher according to an embodiment of the present invention is applied to a second fund management server, and the method includes the following steps:

[0081] S501. The second money management server sequentially receives one of the at least two receiving requests sent by the second client.

[0082] S502. Verify corresponding seller identity information and/or account information for the current certificate request. If the verification is performed, step S504 is performed, otherwise step S506 is performed. [0083] S503. The electronic voucher corresponding to the current receipt request is registered, and the status of the electronic voucher corresponding to the current collection request is updated as the received certificate.

[0084] S504. Generate an acknowledgement notification for the electronic voucher corresponding to the current receipt request.

[0085] S505. Send the generated received notification to the corresponding first fund management server.

[0086] S506. Determine whether the current receiving request is the last receiving request, and if yes, perform step S507.

, otherwise return to step S502.

[0087] S507, ending the process.

 [0088] In the embodiment of the present invention, on the basis of the foregoing Embodiment 1, the second fund management server generates a received notification after each receiving an electronic voucher, and sends the notification to the corresponding first fund management server, so that the electronic voucher Successfully entered the follow-up session.

 [0089] Embodiment 6

 [0090] As shown in FIG. 6, a method for receiving an electronic voucher according to an embodiment of the present invention is applied to a second fund management server, and the method includes the following steps:

[0091] S601. Receive one of the at least two receipt requests sent by the second client in sequence.

[0092] S602. Verify the corresponding seller identity information and/or account information for the current certificate request. If the verification is passed, step S603 is performed, otherwise step S604 is performed.

[0093] S603. The electronic voucher corresponding to the current receipt request is registered, and the status of the electronic voucher corresponding to the current collection request is updated as the received certificate.

[0094] S604. Determine whether the current receiving request is the last receiving request, and if yes, perform step S605.

, otherwise return to step S601.

[0095] S605. Generate a batch notification for all the verified receipt requests.

[0096] S606. Send all generated received notifications in batches to the corresponding first fund management server.

[0097] In the embodiment of the present invention, on the basis of the foregoing embodiment 4, after all the electronic voucher are sequentially collected, the received certificate notification is generated in batches, and is sent to the corresponding first fund management server in batches, so that the electronic certificate is smooth. Entering the follow-up peers further improved the efficiency of collection.

Embodiment 7

[0099] As shown in FIG. 7, an apparatus for receiving an electronic voucher according to an embodiment of the present invention is applied to a second fund management server, and the device includes the following modules: [0100] The receiving module 201 is configured to sequentially receive one of the at least two receiving requests sent by the second client.

 [0101] The verification module 202 is configured to verify the corresponding seller information for the current receipt request.

 [0102] Specifically, the verification module 202 is configured to verify the identity information of the seller and/or the account information of the seller for all received receipt requests. Among them, the verification of the seller's identity information can be realized by mobile phone dynamic code or by electronic signature. The mobile phone dynamic code is generated or accepted by the mobile phone as a random password. The mobile phone dynamic code is a one-time effective password security protection measure, which can greatly improve the security of the user identity authentication or transaction. If the verification is successful, the corresponding silver letter receipt is received. If the verification fails, the corresponding electronic certificate is not received. Of course, the information that the verification fails may be fed back to the second client.

 [0103] The processing module 203 is configured to receive the electronic credential corresponding to the current receiving request when the current receiving request passes the verification.

 [0104] Specifically, the processing module 203 is specifically configured to: register the electronic voucher corresponding to all the receipt requests verified by the seller information, and update the status of the electronic voucher corresponding to the current receipt request to the received certificate.

 [0105] The determining module 204 is configured to determine whether the received receipt request is the last receipt request, and if yes, terminate the process, and if not, notify the receiving module 201 to receive the next receipt request.

 [0106] Please refer to FIG. 8. As a preferred solution, the electronic voucher smoothly enters the subsequent step, and the device further includes:

 [0107] The first generation module 205 is configured to generate a received notification for the current receipt request;

 [0108] The first sending module 206 is configured to send the generated received notification to the corresponding first money management server.

 [0109] Please refer to FIG. 9. As another preferred solution, in order to make the electronic voucher smoothly enter the subsequent links, the efficiency of the collection is further improved, and the device further includes:

[0110] The second generation module 207 generates a batch of received notifications for all the verified receipt requests.

[0111] The second sending module 208 sends all the generated received notifications in batches to the corresponding first money management server.

[0112] It should be noted that the device in this embodiment belongs to the same technical concept as the above-mentioned method embodiments, and the technical features in the foregoing method embodiments are applicable in the system and the device. Said.

 Embodiment 8

 [0114] As shown in FIG. 10, a receiving system for an electronic voucher according to an embodiment of the present invention includes a second client and a second fund management server, where:

 [0115] The second client 10 is configured to send at least two receipt requests to the second money management server.

 [0116] Specifically, after the seller confirms the order, the second client sends a batch of at least two receipt requests to the second fund management server. The receipt request includes at least electronic voucher information and seller information, and the electronic voucher information includes at least an electronic voucher number, and may also be combined with any one or more of the following parameters: payment effect, transaction object information, settlement rate, The information of the card, the amount of the certificate, the period of performance, the period of receipt, the model of the electronic certificate and the mode of payment. Seller information includes seller identity information and/or seller account information.

 [0117] The second fund management server 20 is configured to receive one receiving request in sequence; verify the corresponding seller information for the current receiving request, and if verified, receive the electronic certificate corresponding to the current receiving request; Whether the receiving request is the last receiving request, if yes, the process ends, otherwise it returns to receive the next receiving request.

 [0118] In some preferred embodiments, in order to enable the electronic voucher to smoothly enter the subsequent link, the second fund management server 20 is further configured to: when the current collection request passes the verification, generate a received notification for the current collection request, And sending the generated received notification to the corresponding first fund management server.

 [0119] In order to enable the electronic voucher to smoothly enter the peers of the subsequent links, the collection efficiency is further improved, and the second fund management server 20 can also be used to generate the received notifications in batches for all the verified receipt requests; The received notification is sent in batches to the corresponding first fund management server.

 [0120] It can be understood that the second fund management server 20 includes the device of the foregoing seventh embodiment, and the technical features described in the first, second, and third embodiments of the foregoing method can be correspondingly applied in the system, and are not repeatedly described herein.

 [0121] The method, device and system for receiving electronic voucher provided by the present invention, the second fund server sends the receipt request and the second fund server verifies the seller's information, thereby realizing the seller's selective collection and reducing the network. The error rate of payment reduces the trading risk of buyers and sellers.

[0122] Those skilled in the art can understand that all or part of the steps of implementing the foregoing embodiments may be performed by a program to control related hardware, and the program may be stored in a computer readable storage medium. The storage medium described, such as a ROM/RAM, a magnetic disk, an optical disk, or the like. The preferred embodiments of the present invention have been described above with reference to the drawings, and are not intended to limit the scope of the invention. A person skilled in the art can implement the invention in various variants without departing from the scope and spirit of the invention. For example, the features of one embodiment can be used in another embodiment to obtain a further embodiment. Any modifications, equivalent substitutions and improvements made within the technical concept of the invention are intended to be included within the scope of the invention.

 Industrial applicability

 [0124] The method, device and system for receiving electronic voucher provided by the present invention, the second fund server sends the receipt request and the second fund server verifies the seller's information, thereby realizing the seller's selective collection and reducing the network. The error rate of payment reduces the trading risk of buyers and sellers.

Claims

Claim  [Claim 1] A method for collecting an electronic voucher, the method comprising the steps of:  5101. The second client sends at least two receiving requests to the second fund management server. 5102. The second fund management server sequentially receives a receipt request.  5103, verify the corresponding seller information for the current receipt request, if the verification is passed, step S104 is performed, otherwise step S105 is performed;  5104. Receive an electronic voucher corresponding to the current receipt request.  5105. Determine whether the current receiving request is the last receiving request, and if yes, end the process, if not, return to step S102.  [Claim 2] The method for receiving an electronic voucher according to claim 1, wherein the method further comprises: if the current collection request passes the verification, generating a received notification for the current collection request, and generating the generated The received notification is sent to the corresponding first fund management server.  [Claim 3] The method for collecting an electronic voucher according to claim 1, wherein the method further comprises:  The received certificate notification is generated in batches for all the verified receipt requests; all generated received notifications are sent in batches to the corresponding first fund management server. [Claim 4] A method for collecting an electronic voucher, which is applied to a second fund management server, the method comprising the following steps:  5401. The second fund management server sequentially receives one of at least two receiving requests sent by the second client.  5402, verifying the corresponding seller information for the current certificate request, if the verification is passed, step S403 is performed, otherwise step S404 is performed;  5403. Receive an electronic voucher corresponding to the current receipt request. ₅ 404. Determine whether the current receiving request is the last receiving request, and if yes, end the process, otherwise return to step S402. [Claim 5] The method for receiving an electronic voucher according to claim 4, wherein the method further comprises: generating a received notification for the current collection request if the current collection request passes the verification, and generating the generated The received notification is sent to the corresponding first fund management server. The method for receiving an electronic voucher according to claim 4, wherein the method further comprises: Generate a receipt notification for all verified receipt requests; All generated received notifications are sent in batches to the corresponding first fund management server. A receiving device for an electronic voucher is applied to a second fund management server, and the device comprises the following modules: The receiving module is configured to receive, in sequence, one of the at least two receiving requests sent by the second client; The verification module is configured to verify the corresponding seller information for the current receipt request, and determine whether the verification is passed; The processing module is configured to receive the electronic credential corresponding to the current receipt request when the current collection request passes the verification; The determining module is configured to determine whether the received receiving request is the last receiving request, and if not, notify the receiving module to receive the next receiving request. The receiving device of the electronic voucher according to claim 7, wherein the device further comprises: a first generating module, configured to generate a received notification for the current receiving request when the current receiving request passes the verification; The first sending module is configured to send the generated received notification to the corresponding first money management server. The receiving device of the electronic voucher according to claim 7, wherein the device further comprises: a second generating module, generating a received notification for each of the verified verification requests; the second sending module, The received notification is sent in batches to the corresponding first fund management server. A receipt system for an electronic voucher, the system comprising a second client and a second money management server, wherein: The second client is configured to send at least two receiving requests to the second fund management server; The second fund management server is configured to receive a receipt request in sequence; The certificate request verifies the corresponding seller information, and if it passes the verification, receives the electronic certificate corresponding to the current collection request; and is further set to determine whether the current collection request is the last receipt request, and if yes, the process ends, otherwise the next process is received. Receiving request.