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WO2017012057A1 - Procédé, système et dispositif d'ouverture de certificat électronique - Google Patents

Procédé, système et dispositif d'ouverture de certificat électronique Download PDF

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Publication number
WO2017012057A1
WO2017012057A1 PCT/CN2015/084654 CN2015084654W WO2017012057A1 WO 2017012057 A1 WO2017012057 A1 WO 2017012057A1 CN 2015084654 W CN2015084654 W CN 2015084654W WO 2017012057 A1 WO2017012057 A1 WO 2017012057A1
Authority
WO
WIPO (PCT)
Prior art keywords
certificate
verification
request
information
payment account
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/CN2015/084654
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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 CA2994354A priority Critical patent/CA2994354A1/fr
Priority to PCT/CN2015/084654 priority patent/WO2017012057A1/fr
Publication of WO2017012057A1 publication Critical patent/WO2017012057A1/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
    • G06Q30/00—Commerce

Definitions

  • the present invention relates to the field of network payment technologies, and in particular, to a method, system, and apparatus 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.
  • a primary object of the present invention is to provide a method, system and apparatus for establishing an electronic voucher aimed at reducing transaction risk.
  • the present invention provides a method for establishing an electronic voucher, comprising the steps of:
  • the certificate terminal sends a certificate request to the fund management server, where the certificate request includes the amount information of the card, the identity information of the payer, and the account information of the payment;
  • the fund management server verifies the request for the certificate according to the amount information, the identity information of the payer, and the payment account information;
  • the fund management server when the verification request is verified, the fund management server establishes an electronic voucher; [0009] When the request for verification does not pass the verification, the fund management server rejects the electronic voucher.
  • the present invention further provides a method for applying an electronic voucher to a fund management server, comprising the steps of: [0011] receiving a request for a certificate sent by a certificate, the request for the certificate including the amount of the certificate, payment Personal identity information and payment account information;
  • the present invention also proposes a system for establishing an electronic voucher, including a certificate terminal and a fund management server, wherein:
  • the certificate terminal is configured to send a certificate request to the fund management server, where the certificate request includes the amount information of the card, the identity information of the payer, and the account information of the payment;
  • the money management server is configured to verify the certificate request according to the certificate amount information, the payer identity information, and the payment account information; and when the certificate request passes the verification, the fund management server Establishing an electronic voucher; when the request for verification does not pass the verification, the fund management server rejects the electronic voucher.
  • the present invention further provides an apparatus for applying an electronic voucher to a fund management server, comprising: [0019] a receiving module, configured to receive a certificate request sent by a certificate terminal, where the certificate request includes a certificate Amount information, payer identity information, and payment account information;
  • the certificate module is configured to verify the certificate request according to the certificate amount information, the payer identity information, and the payment account information; when the certificate request passes the verification, the electronic certificate is established; If the request for certification does not pass the verification, it refuses to stand the electronic certificate.
  • the method, system and device for establishing an electronic voucher provided by the present invention on the one hand, the payment by the electronic voucher reduces the transaction risk; on the other hand, according to the amount information of the voucher, the identity information of the payer and The payment account information strictly verifies the request for the certificate, greatly reduces the risk of the electronic certificate standing, and controls the transaction risk from the source, further reducing the transaction risk.
  • FIG. 1 is a flow chart of a first embodiment of a method for arranging an electronic voucher according to the present invention
  • FIG. 2 is a schematic diagram of interaction of each main body of an electronic voucher in an embodiment of the present invention.
  • FIG. 3 is a flow chart of a process for a fund management server to verify a request for authentication according to an embodiment of the present invention
  • FIG. 4 is another flow chart of a process for the fund management server to verify the request for verification of the certificate in the embodiment of the present invention
  • FIG. 5 is a flow chart of a second 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 an apparatus 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.
  • the fund management server is a server of the fund management institution, and the fund management institution refers to an institution 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 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 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: [0037] 1. After the transaction body 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, the 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.) [0038] 2. After the acceptance of the certificate, the electronic certificate is established. And freeze the corresponding amount of funds or credit line.
  • 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 certificate receiving institution 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.
  • the defamation agency cancels 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 debtor's account.
  • 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 arranging an electronic voucher according to the present invention is provided.
  • the method includes the following steps:
  • the Sl and the certificate end send a request for the certificate to the fund management server.
  • the claim request includes the amount information of the certificate, the identity information of the payer, and the account information of the payment, which is an account for providing the guarantee by the electronic account.
  • the witness is the payer; optionally, the payer can also be a third party, that is, the witness asks the third party as the electronic voucher payer, and then the payer information and the payment account information can also be managed by the third party. Server provided.
  • step S12 The fund management server checks according to the amount information of the certificate, the identity information of the payer, and the information of the payment account. A certificate of security request. When the verification passes, step S13 is performed; when the verification fails, step S14 is performed.
  • the money management server stands for the electronic voucher.
  • the fund management server freezes the amount of funds or credits in the payment account equal to the amount of the certificate, and sets up the electronic certificate. After the electronic voucher is established, it can also be notified that the e-voucher is completed.
  • the fund management server rejects the electronic voucher.
  • the fund management server rejects the electronic voucher and generates a return message to be sent to the card terminal, and returns the application for the card.
  • step S12 the specific process of the fund management server verifying the request for authentication may be as shown in FIG. 3, and includes the following steps:
  • step S101 The fund management server verifies the payer identity information and the payment account information. When the verification is successful, step S102 is performed; when the verification fails, step S104 is performed.
  • the fund management server verifies whether the payer identity information matches the payment account information, whether the payment account is legally valid, etc., and when the payer identity information and the payment account information are consistent and the payment account is legally valid, the verification is successful, otherwise , verification failed.
  • step S102 Verify the amount of the certificate, and determine whether the amount of the certificate is less than or equal to the balance of the fund or the balance of the credit of the payment account. When the amount of the certificate is less than or equal to the balance of the fund or the credit limit of the payment account, step S103 is performed; when the amount of the certificate is greater than the balance of the fund or the balance of the credit of the payment account, step S104 is performed.
  • S104 Determine that the request for verification does not pass the verification.
  • steps S101 and S102 are not limited. In some embodiments, the steps may also be performed first.
  • step S102 Perform step S101 again.
  • the specific process of the fund management server verifying the request for confirmation of the certificate may also be as shown in FIG. 4, including the following steps:
  • Step S201 The fund management server verifies the payer identity information and the payment account information.
  • Step S202 is performed; when the verification fails, step S205 is performed.
  • the fund management server verifies whether the payer identity information is consistent with the payment account information, whether the payment account is legally valid, etc., and when the payor identity information and the payment account information are consistent and the payment account is legally valid, the verification is successful, otherwise , verification failed.
  • step S202 Verify the amount of the certificate, and determine whether the amount of the certificate is less than or equal to the balance of the fund or the balance of the credit of the payment account. When the amount of the certificate is less than or equal to the balance of the payment account or the balance of the credit line, step S203 is performed; when the amount of the certificate is greater than the balance of the fund or the balance of the credit of the payment account, step S205 is performed.
  • step S203 Verifying the witness or/and the payer, determining whether the witness or/and the payer meet the prohibition.
  • step S204 is performed; when the prohibition is met, step S20 5 is performed.
  • the witness and the payer are two entities (ie, the payer is a third party), it can be verified whether only the witness or the payer is in compliance with the prohibition, or whether the witness and the payer are both in compliance with the prohibition. Sex regulations.
  • the prohibition includes: When the witness or / and the payer's credit rating is below a certain level, the certificate is not issued.
  • S205 Determine that the request for verification does not pass the verification.
  • steps S201-S203 is not limited. In some embodiments, the order of the three steps may be arbitrarily combined.
  • FIG. 5 a second embodiment of a method for establishing an electronic voucher according to the present invention is provided.
  • the method of this embodiment is applied to a fund management server, and the method includes the following steps:
  • S21 Receive a request for a certificate sent by the certificate terminal.
  • the claim includes the amount information, the payer identity information and the payment account information, and the payment account is an account for providing the guarantee by the electronic certificate.
  • the witness is the payer; optionally, the payer can also be a third party, that is, the witness asks the third party as the electronic voucher payer, and then pays The person information and payment account information can also be sent to the fund management server by a third party.
  • step S22 Verify the request for verification according to the amount information of the certificate, the identity information of the payer, and the payment account information.
  • step S23 is performed; when the verification fails, step S25 is performed.
  • the fund management server freezes the funds or credits in the payment account equal to the amount of the deduction, and sets up the electronic voucher. After the electronic voucher is established, the e-voucher of the certificate can also be notified to complete.
  • step S24 may also be omitted.
  • the fund management server rejects the electronic voucher and generates a return message to be sent to the card terminal to notify the card terminal that the electronic certificate has failed. Therefore, the method for arranging an electronic voucher according to the present invention reduces the transaction risk by performing payment through the electronic voucher; on the other hand, strictly verifying the request for custody based on the amount information of the voucher, the identity information of the payer, and the payment account information. , greatly reducing the risk of the electronic voucher standing link, controlling the transaction risk from the source, further reducing the transaction risk.
  • the system includes a certificate terminal and a fund management server, wherein:
  • the certificate terminal is configured to send a certificate request to the fund management server, the certificate request including the amount information of the certificate, the identity information of the payer, and the payment account information.
  • the fund management server configured to verify the request for the certificate according to the amount information of the certificate, the identity information of the payer, and the payment account information; when the request for verification passes the verification, the electronic certificate is established; when the request for the certificate fails to pass the verification Oh, refuse to hold an electronic voucher.
  • the fund management server first verifies the payer identity information and the payment account information; when the verification fails, determining that the request for the certificate fails to pass the verification; when the verification succeeds, determining whether the amount of the certificate is less than or equal to the payment account Fund balance or credit line balance; when the amount of the card is less than or equal to the payment account After the balance of the fund or the credit line balance, the request for verification of the certificate is verified; otherwise, the request for the certificate is not verified.
  • the fund management server first verifies the payer identity information and the payment account information; when the verification fails, it is determined that the request for the certificate fails to pass the verification; when the verification succeeds, it is determined whether the amount of the certificate is less than or equal to the payment account. Whether the fund balance or credit line balance, and the witness or/and the payer meet the prohibition; when the amount of the certificate is less than or equal to the balance of the payment account or the credit line balance and the payer does not meet the prohibition, The request is verified; otherwise, the request for confirmation does not pass the verification.
  • the device is applied to the foregoing fund management server, and includes a receiving module, a verification module, and a certificate module, wherein:
  • the receiving module is configured to receive the request for the certificate sent by the certificate terminal.
  • the claim includes the amount information, the payer identity information, and the payment account information, and the payment account is an account for providing the guarantee.
  • the witness is the payer; optionally, the payer can also be a third party, that is, the witness asks the third party as the electronic certificate payer, and then the payer information and the payment account information can also be sent to the recipient by the third party. Module.
  • the verification module is configured to verify the verification request according to the amount information, the payer identity information, and the payment account information.
  • the certificate module is set to set up an electronic voucher when the request for verification is verified, and to reject the electronic voucher when the request for verification does not pass the verification.
  • the verification module first verifies the payer identity information and the payment account information; when the verification fails, determining that the request for the certificate fails to pass the verification; when the verification succeeds, determining whether the amount of the certificate is less than or equal to the funds of the payment account Balance or credit line balance; When the amount of the certificate is less than or equal to the balance of the payment account or the credit line balance, the request for verification is passed; otherwise, the request for confirmation is not verified.
  • the verification module first verifies the payer identity information and the payment account information; when the verification fails, If the verification request is successful, the amount of the defamation certificate is less than or equal to the balance of the payment account or the balance of the credit line, and whether the witness or/and the payer meet the prohibition; If the balance of the payment account or the credit limit of the payment account is less than or equal to the balance of the credit limit and the payer does not comply with the prohibition, the request for verification of the certificate is verified; otherwise, the request for the certificate is not verified.
  • FIG. 8 is a second embodiment of the apparatus for establishing 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 update module is set to update the status of the electronic voucher after the electronic voucher is established.
  • 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 detail 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 pays by electronic vouchers, reduces transaction risk; on the other hand, requests for defamatory evidence based on stipulated amount information, payer identity information, and payment account information Strict verification has greatly reduced the risk of the electronic voucher standing, and controlled the trading risk from the source, further reducing the transaction risk.
  • the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • the method, system and device for establishing an electronic voucher provided by the present invention on the one hand, the payment by the electronic voucher reduces the transaction risk; on the other hand, according to the amount information of the voucher, the identity information of the payer and The payment account information strictly verifies the request for the certificate, greatly reduces the risk of the electronic certificate standing, and controls the transaction risk from the source, further reducing the transaction risk. Therefore, it has industrial applicability.

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

Abstract

L'invention concerne un procédé, un système et un dispositif pour ouvrir un certificat électronique, le procédé comprenant les étapes suivantes : un terminal d'émission envoie une demande d'émission à un serveur de gestion de fonds, la demande d'émission consistant à émettre des informations de quantité, des informations d'identité de payeur et des informations de compte de paiement ; le serveur de gestion de fonds vérifie la demande d'émission en fonction des informations de quantité d'émission, des informations d'identité de payeur et des informations de compte de paiement ; lorsque la demande d'émission passe la vérification, le serveur de gestion de fonds ouvre un certificat électronique ; lorsque la demande d'émission ne passe pas la vérification, le serveur de gestion de fonds refuse d'ouvrir un certificat électronique. Un paiement est effectué par l'intermédiaire du certificat électronique, ce qui réduit le risque de transaction, la demande d'émission est vérifiée en fonction des informations de quantité d'émission, des informations d'identité de payeur et des informations de compte de paiement, ce qui réduit de manière significative le risque de segment d'ouverture de certificat électronique, et le risque de transaction est commandé à la source, ce qui réduit davantage le risque de transaction.
PCT/CN2015/084654 2015-07-21 2015-07-21 Procédé, système et dispositif d'ouverture de certificat électronique Ceased WO2017012057A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2994354A CA2994354A1 (fr) 2015-07-21 2015-07-21 Procede, systeme et dispositif d'ouverture de certificat electronique
PCT/CN2015/084654 WO2017012057A1 (fr) 2015-07-21 2015-07-21 Procédé, système et dispositif d'ouverture de certificat électronique

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084654 WO2017012057A1 (fr) 2015-07-21 2015-07-21 Procédé, système et dispositif d'ouverture de certificat électronique

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WO2017012057A1 true WO2017012057A1 (fr) 2017-01-26

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101281627A (zh) * 2008-05-14 2008-10-08 深圳市永达电子有限公司 一种基于电子合同运营的安全支付方法及系统
CN101345898A (zh) * 2007-07-11 2009-01-14 北京方维银通科技有限公司 电子凭证支付平台、系统以及方法
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101345898A (zh) * 2007-07-11 2009-01-14 北京方维银通科技有限公司 电子凭证支付平台、系统以及方法
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
CN101281627A (zh) * 2008-05-14 2008-10-08 深圳市永达电子有限公司 一种基于电子合同运营的安全支付方法及系统

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