WO2017012036A1 - Electronic certificate payment method, system and device - Google Patents

Abstract

An electronic certificate payment method, system and device, the method comprising the steps of: an issuing end respectively sends information of an electronic certificate to at least two receiving ends (S11); each receiving end respectively submits a payment request to a first funds management server via a corresponding second funds management server (S12); the first funds management server respectively performs a payment with regard to the electronic certificate according to the payment request of each receiving end (S13); In the electronic certificate payment method, the payments are performed via the electronic certificate, reducing the transaction risk. In addition, the method allows a plurality of receiving ends to perform multiple payments with regard to the same electronic certificate, so that it is not necessary for the issuing end, after completing one payment or transaction, to open a new electronic certificate to complete the next payment or transaction, thereby improving the convenience and flexibility of electronic certificate use, and simplifying the transaction process, so that the same electronic certificate may complete a plurality of transactions.

Description

 Electronic voucher settlement method, system and device

 Technical field

 [0001] The present invention relates to the field of electronic commerce technologies, and in particular, to an electronic vouchers processing method, system, and apparatus.

 Background technique

 [0002] With the rapid development of computers, networks and modern communication technologies, e-commerce has become a popular and even popular transaction method. E-commerce uses the Internet platform to connect the participating parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, and to network, electronically and informatize the entire transaction process, reducing the cost of transactions. Increased trading efficiency.

 [0003] E-commerce payment methods usually use online payment. Traditional online payment is mostly to transfer the funds in the bank card directly to the other party's account, or to a third-party organization as a guarantee. After the buyer's fund transfer instruction is issued, the funds will flow directly. The following situations often occur: The buyer has not received the goods or services provided by the merchant, and the funds have been paid by the bank or a third party to the seller; or the seller provides the goods. After the service or the service, the buyer is unable to pay the corresponding funds; or the buyer transfers the funds to the wrong counterparty account. Therefore, the traditional online payment method has certain trading risks and cannot guarantee the interests of both buyers and sellers.

 technical problem

 [0004] A primary object of the present invention is to provide an electronic voucher settlement method, system and apparatus, which aim to reduce transaction risk, improve flexibility and convenience of use of electronic voucher, and simplify transaction process.

 Problem solution

 Technical solution

 [0005] In order to achieve the above objective, the present invention provides an electronic voucher settlement method, including the steps of:

[0006] The card issuing end sends information of an electronic voucher to at least two receiving ends;

[0007] each receiving end submits a settlement request to the first fund management server;

[0008] The first fund management server separately performs the payment of the electronic voucher according to the settlement request of each of the receiving parties. [0009] The present invention also provides an electronic voucher settlement method, which is applied to a first fund management server, including steps

[0010] receiving, respectively, a settlement request submitted by each of the receiving parties for the same electronic voucher;

[0011] The electronic voucher is separately released according to each release request.

 [0012] The present invention provides an electronic voucher settlement system, including a certificate terminal, a certificate receiving end, and a first money management server, wherein the certificate receiving end has at least two, wherein:

[0013] the authentication terminal is configured to send information of an electronic voucher to each of the receiving terminals;

[0014] the receiving end is configured to submit a settlement request to the first fund management server;

[0015] The first fund management server is configured to separately perform the payment of the electronic certificate according to the cancellation request of each of the receiving parties.

 [0016] The present invention also provides an electronic voucher processing device, which is applied to a first fund management server, including a receiving module and a solution module, wherein:

[0017] The receiving module is configured to receive a settlement request separately submitted by each of the receiving parties for the same electronic voucher; [0018] the dissolving module is configured to respectively solve the electronic voucher according to each dissolving request pay.

 Advantageous effects of the invention

 Beneficial effect

 [0019] An electronic voucher settlement method, system and device provided by the present invention, on the one hand, payment by electronic voucher reduces transaction risk; on the other hand, allows multiple receiving parties to perform the same electronic voucher The second payment, that is, the realization of one payment and multiple payment, so that the certificate (such as the buyer) does not need to establish a new electronic voucher to complete the next payment or transaction after completing a payment or transaction, improving the use of electronic voucher. Convenience and flexibility simplify the transaction process so that multiple transactions can be completed with the same electronic voucher. At the same time, the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.

 Brief description of the drawing

 DRAWINGS

 1 is a flowchart of a first embodiment of an electronic voucher settlement method of the present invention;

2 is a flowchart of a second embodiment of an electronic voucher settlement method of the present invention;

3 is a flowchart of a third embodiment of an electronic voucher settlement method of the present invention; 4 is a block diagram showing an embodiment of an electronic voucher dispatching system of the present invention;

5 is a block diagram showing an embodiment of an electronic voucher processing device of the present invention.

[0025] The implementation, functional features, and advantages of the present invention will be further described with reference to the accompanying drawings.

Embodiments of the invention

 The specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

 [0027] In the embodiment of 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 a bank and other financial institutions (such as a securities institution), that is, the fund management server includes a bank server. Or other financial institution servers.

 [0028] In the embodiment of the present invention, the electronic voucher refers to an electronic commitment payment voucher that is applied to the fund management server by the buyer with the funds or the credit line of the designated account as the security deposit, and is the commitment of the fund management institution. The electronic credit certificate for clearing and receiving according to the allocation conditions is an Internet innovation basic financial instrument paid by the credit management institution's credit commitment. The electronic voucher can also be called a silver letter.

 [0029] In the embodiment of the present invention, the electronic voucher settlement means that the decertification institution (such as the Certified Bank) receives the application for cancellation and confirms that the payment is met, and then dispatches the electronic to the collection institution (such as the collection bank). The behavior of the funds associated with the voucher.

 [0030] In the embodiment of the present invention, the authentication terminal and the receiving terminal are electronic devices with information processing and transmission; for example, mobile phones and tablet devices.

 [0031] Referring to FIG. 1, a first embodiment of an electronic voucher settlement method of the present invention is proposed. The method includes the following steps:

 [0032] The Sl and the certificate end send information of an electronic voucher to at least two receiving ends respectively.

[0033] Specifically, the certificate terminal (such as the buyer side) applies to the first fund management server (ie, the certificate authority, such as the server of the bank of the bank) to establish an electronic certificate, and the first fund management server freezes the designated account in the certificate terminal. After the corresponding amount of funds or credit, the electronic voucher is established, and the notice of the certificate is sent to the card. After receiving the notification of the certificate, the card terminal sends the information of the electronic certificate to at least two receiving terminals (such as the seller). The information sent by the certificate terminal to the electronic certificate can be sent simultaneously or in succession. [0034] S12. Each of the collection terminals respectively submits a settlement request to the first fund management server through the corresponding second fund management server.

 [0035] Specifically, after receiving the information of the electronic voucher, the receiving end submits a request for the receipt to the corresponding second fund management server (ie, the receiving institution, such as the server of the receiving bank), and the second fund management server verifies the information correctly. After receiving the certificate, and sending the received certificate feature to the first fund management server.

 [0036] After completing the transaction condition corresponding to the electronic voucher according to the payment condition of the electronic voucher, the receiving end sends a settlement request to the corresponding second fund management server by logging in the corresponding webpage or initiating the corresponding application, and secondly The fund management server verifies the identity of the recipient, and after the verification is passed, forwards the settlement request to the first fund management server. Alternatively, after receiving the settlement request, the second money management server may also directly forward to the first fund management server without verification.

 [0037] wherein the second fund management servers corresponding to different receiving ends may be the same or different.

 [0038] S13. The first fund management server separately solves the electronic voucher according to the cancellation request of each receiving terminal.

[0039] In this step S13, after receiving the respective payment requests, the first fund management server separately verifies each of the cancellation requests, and after the verification is passed, respectively, the accounts associated with the electronic voucher are solved (ie, the certificate is verified) The corresponding amount of funds in the specified account).

 [0040] Specifically, the first fund management server acquires the electronic voucher corresponding to the settlement request and the cancellation amount according to the settlement request, and verifies whether the electronic voucher is valid and has been cancelled. When the electronic voucher is valid and not solved, Then, the electronic voucher is executed, and the funds frozen in the designated account of the certificate terminal and the amount of the cancellation amount are transferred to the second fund management server.

 [0041] Optionally, when the second money management server does not verify the identity of the recipient, the first money management server also needs to verify the identity of the recipient.

 [0042] In the present invention, the card terminal can send the information of the electronic voucher to the receiving terminal at the same time or in succession, and each of the receiving terminals can also submit a request for cancellation to the first fund management server. Preferably, the certificate terminal first sends the information of the electronic voucher to a certificate receiving end, and when the card issuing end issues a settlement request to the first fund management server and completes the settlement, the card terminal sends the certificate to the next card. The information of the electronic voucher, as shown in FIG. 2, is a second embodiment of the electronic voucher settlement method of the present invention, which includes the following steps:

[0043] S21. The certificate end sends information of the electronic voucher to the first certificate receiving end. [0044] S22. The second fund management server A receives the certificate according to the receipt request of the first receipt terminal.

 [0045] S23. The first receiving end submits a settlement request to the first fund management server through the second fund management server A.

 [0046] S24. The first fund management server performs electronic voucher cancellation according to the settlement request.

 [0047] S25. The first fund management server updates the electronic voucher status to a pending certificate, and sends status update information to the certificate terminal.

 [0048] Specifically, after the first fund management server completes the electronic certificate settlement of the first certificate receiving end, the notification card terminal has completed the electronic certificate settlement of the first certificate receiving end, for example, the status of the updated electronic certificate is the pending certificate, and Send status update information to the certificate side.

 [0049] S26. The certificate end sends information of the electronic voucher to the second certificate receiving end.

 [0050] Specifically, after receiving the notification that the first receiving end has completed the electronic voucher settlement, the verification terminal sends the information of the electronic voucher to the second receiving end.

[0051] S27. The second fund management server B receives the certificate according to the receipt request of the second certificate receiving end.

[0052] S28. The second collection end submits a settlement request to the first fund management server through the second fund management server B.

 [0053] S29. The first fund management server performs electronic voucher cancellation according to the settlement request.

 [0054] The above description is made by taking two receiving ends as an example, and the situation of multiple receiving ends is similar, and will not be described herein.

 [0055] In the foregoing embodiment, for the steps S12, S23, and S28, each of the receiving terminals may directly submit a settlement request to the first fund management server, that is, each of the receiving parties directly sends the settlement request to the first fund. Management server. Thereafter, the collection institution and the certification institution are the same institution, and each collection terminal directly submits a request for collection to the first fund management server, and the first fund management server receives the certificate.

 Referring to FIG. 3, a third embodiment of the electronic voucher settlement method of the present invention is proposed. The method of this embodiment is applied to the foregoing first fund management server, and the method includes the following steps:

 [0057] S31. Receive a request for settlement by each of the receiving parties for the same electronic voucher.

[0058] Optionally, the first fund management server receives, by each of the receiving parties, a request for settlement by the corresponding second fund management server for the same electronic certificate, specifically: each of the receiving terminals respectively sends a corresponding second fund The management server sends a settlement request, and the first fund management server receives each fund management server Forwarded settlement request.

 [0059] Optionally, the first fund management server receives a settlement request directly submitted by each of the receipt terminals for the same electronic voucher, that is, each of the collection terminals directly sends a settlement request to the first fund management server.

[0060] S32. Dissolve the electronic voucher according to each solution request.

 [0061] In the step S32, the first fund management server respectively verifies the respective payment requests, and after the verification is passed, separately allocates the funds of the corresponding amount in the account associated with the electronic voucher.

 [0062] Specifically, the first fund management server acquires the electronic voucher corresponding to the settlement request and the cancellation amount according to the settlement request, and verifies whether the electronic voucher is valid and has been released. When the electronic voucher is valid and not solved, Then, the electronic voucher is executed, and the funds frozen in the designated account of the certificate terminal and the amount of the cancellation amount are transferred to the second fund management server.

 [0063] Optionally, the first money management server further verifies the identity of the recipient.

 [0064] In the present invention, each of the collection terminals may submit a settlement request to the first fund management server simultaneously or sequentially. Preferably, the first fund management server first receives a settlement request submitted by the receiving party, and after the completion of the settlement, notifies the issuing terminal according to the settlement request, such as updating the status of the electronic voucher as a pending certificate and sending the status to the certificate terminal. Update the information, and then receive the next payment request from the next receiving end and complete the solution, and so on. For details, see Figure 2, and details are not described here.

 [0065] Thus, the electronic voucher settlement method of the present invention, on the one hand, the payment by the electronic voucher reduces the transaction risk; on the other hand, allows multiple receiving parties to perform multiple cancellations on the same electronic voucher, that is, A multiple payment of a certificate allows the card terminal (such as the buyer) to complete the next payment or transaction without completing a new electronic voucher after completing a payment or transaction, improving the convenience and flexibility of the use of the electronic voucher. , simplifies the transaction process, so that the same electronic voucher can complete multiple transactions. At the same time, the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.

 [0066] Referring to FIG. 4, an embodiment of an electronic voucher settlement system of the present invention is provided. The system includes a certificate terminal, a certificate receiving end, a first fund management server, and a second fund management server, and the certificate receiving end has at least two , where:

[0067] The certificate terminal is set to apply for the certificate to the first fund management server, and apply for the establishment of the electronic certificate; after the certificate is successful, the information of the electronic certificate is separately sent to each of the collection terminals. [0068] The receiving end: is configured to submit a settlement request to the first fund management server through the corresponding second fund management server.

 [0069] Specifically, after receiving the information of the electronic voucher, the receiving end sends a request for the receipt to the corresponding second fund management server, and after the second fund management server receives the certificate, sends a settlement to the second fund management server. request. The second fund management server corresponding to different receiving ends may be the same or different.

[0070] a second fund management server: configured to forward the settlement request of the certificate terminal to the first money management server

[0071] Optionally, after receiving the cancellation request, the second fund management server directly forwards the application to the first money management server.

 [0072] Preferably, after receiving the application for cancellation, the second fund management server verifies the identity of the recipient, and after the verification is passed, forwards the cancellation request to the first fund management server; Forward, and notify the receiving end that the verification failed.

[0073] The first fund management server is configured to set up the electronic voucher according to the request for the certificate of the certificate terminal; and separately release the electronic voucher according to the settlement request of each of the certificate terminals.

[0074] Specifically, after receiving the respective cancellation requests, the first fund management server separately verifies each of the cancellation requests, and after the verification is passed, separately cancels the account associated with the electronic voucher (ie, the certificate is specified by the certificate terminal) The corresponding amount of funds in the account).

 [0075] For example: the first fund management server acquires the electronic voucher corresponding to the settlement request and the cancellation amount according to the settlement request, and verifies whether the electronic voucher is valid and has been released. When the electronic voucher is valid and not solved, Execute the payment to the electronic voucher, and transfer the funds equal to the cancellation amount in the funds frozen in the specified account of the certificate to the second fund management server.

 [0076] Optionally, when the second money management server does not verify the identity of the recipient, the first money management server also needs to verify the identity of the recipient.

[0077] It should be understood that the verification terminal may send the information of the electronic voucher to the respective collection terminals simultaneously or sequentially, and each of the collection terminals may also submit a settlement request to the first fund management server simultaneously or sequentially. Preferably, the certificate terminal first sends the information of the electronic certificate to a certificate receiving end, and after the card issuing end issues the settlement request to the first fund management server and completes the settlement, the first fund management server notifies the card terminal, such as Change the status of the electronic voucher The new status is to be received and the status update information is sent to the certificate terminal. After receiving the status update information, the certificate terminal sends the information of the electronic certificate to the next certificate side, and so on. The specific process is shown in Figure 2, where Not to repeat.

 [0078] In some embodiments, the second money management server may also be omitted, and each of the receiving terminals directly submits a settlement request to the first fund management server, that is, each of the receiving terminals directly sends the cancellation request to the first Money management server. Thereafter, the collection institution and the certification institution are the same institution, and each of the collection terminals also directly submits a collection request to the first fund management server, and the first fund management server receives the certificate.

 [0079] The electronic voucher solution system and the electronic voucher solution method are provided in the same embodiment. The specific implementation process is described in the method embodiment, and the technical features in the method embodiment correspond to the system embodiment. Applicable, no more details here.

 [0080] Referring to FIG. 5, an embodiment of an electronic voucher processing device of the present invention is provided. The device in this embodiment is applied to the foregoing first fund management server, and the device includes a receiving module and a solution module, where:

 [0081] The receiving module is configured to receive a settlement request separately submitted by each of the receiving parties for the same electronic voucher.

 [0082] The receiving module receives, by each of the receiving ends, a request for resolving the same electronic voucher through the corresponding second fund management server, specifically: each receiving end sends a dismissing request to the corresponding second fund management server, The receiving module respectively receives the settlement request forwarded by each fund management server.

 [0083] Optionally, the receiving module receives a settlement request directly submitted by each of the receiving parties for the same electronic voucher, that is, each receiving terminal directly sends a cancellation request to the first fund management server.

 [0084] The payment module is configured to separately perform the payment of the electronic voucher according to each of the cancellation requests.

 [0085] The solution module includes a verification unit and a solution unit, and the verification unit is configured to respectively verify each of the cancellation requests, and the solution unit is configured to cancel the account associated with the electronic certificate after the verification of the settlement request is passed (ie, the verification certificate) The corresponding amount of funds in the account specified by the certificate.

 [0086] For example: the verification unit acquires the electronic voucher corresponding to the settlement request and the cancellation amount according to the settlement request, and verifies whether the electronic voucher is valid and has been released. When the electronic voucher is valid and not solved, the defining unit is Execute the payment to the electronic voucher, and transfer the funds equal to the cancellation amount in the funds frozen in the specified account of the certificate to the second fund management server.

[0087] Optionally, when the second money management server does not verify the identity of the recipient, the settlement module also needs to verify the identity of the recipient. [0088] It should be understood that each receiving terminal may submit a settlement request to the first fund management server simultaneously or sequentially. Preferably, the receiving module first receives a settlement request submitted by the receiving terminal, and the decoding module notifies the issuing terminal according to the settlement request, such as updating the status of the electronic certificate to be the certificate to be received and sending the status to the certificate terminal. Update the information, and then receive the next payment request from the next receiving end and send it out, and so on. For details, see Figure 2, and details are not described here.

 [0089] The electronic voucher-resolving device and the electronic voucher-resolving method are provided in the same embodiment. The specific implementation process is described in the method embodiment, and the technical features in the method embodiment correspond to the device embodiment. Applicable, no more details here.

 [0090] Thus, the electronic voucher dispatching system and apparatus of the present invention, on the one hand, pays by electronic voucher, reduces transaction risk; on the other hand, allows multiple receiving parties to perform multiple payment of the same electronic voucher, That is to realize the multiple settlement of the shackle, so that the vouchers (such as the buyer) do not need to establish new electronic vouchers to complete the next payment or transaction after completing a payment or transaction, which improves the convenience of using the electronic vouchers and Flexibility simplifies the transaction process so that the same electronic voucher can complete multiple transactions. At the same time, the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.

 [0091] It will be understood by those skilled in the art that all or part of the steps of the foregoing embodiments may be implemented by a program to control related hardware, and the program may be stored in a computer readable storage medium. The storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.

 [0092] It is to be understood that the foregoing is only a preferred embodiment of the present invention, and is not intended to limit the scope of the invention, the equivalent structure or equivalent Indirect use in other related technical fields, including the industrial applicability within the scope of patent protection of the present invention.

[0093] An electronic voucher cancellation method, system and device provided by the present invention, on the one hand, payment by electronic voucher reduces transaction risk; on the other hand, allows multiple receiving parties to carry out the same electronic voucher The second payment, that is, the realization of one payment and multiple payment, so that the certificate (such as the buyer) does not need to establish a new electronic voucher to complete the next payment or transaction after completing a payment or transaction, improving the use of electronic voucher. Convenience and flexibility, simplifying the transaction process, enabling the same electronic voucher to be completed Transactions. At the same time, the funds associated with the electronic voucher are frozen in the buyer's own account, which not only protects the security of the buyer's funds, but also does not affect the buyer's interest income.

Claims

Claim  [Claim 1] An electronic voucher settlement method, comprising the steps of:  The card terminal sends the information of an electronic voucher to at least two receiving terminals respectively;  Each of the collection terminals submits a settlement request to the first fund management server;  The first fund management server separately solves the electronic certificate according to the settlement request of each of the receiving parties.  [Claim 2] The electronic voucher settlement method according to claim 1, wherein each of the receipt terminals respectively submitting a settlement request to the first fund management server comprises: each of the collection terminals respectively passing the corresponding second funds The management server submits a settlement request to the first money management server; or  Each of the collection terminals directly submits a settlement request to the first fund management server. [Claim 3] The electronic voucher settlement method according to claim 1, wherein the verification terminal transmits information of an electronic voucher to at least two verification terminals respectively: after the electronic certificate is successfully established, The card sends the information of the electronic voucher to the at least two receiving terminals simultaneously or sequentially.  [Claim 4] The electronic voucher settlement method according to claim 3, wherein the transmitting end of the information of the electronic voucher to the at least two receiving ends comprises: The information of the electronic voucher is sent to a receiving end;  After the receipt terminal completes the payment of the electronic certificate, the certificate terminal sends the information of the electronic certificate to the next certificate receiving end. [Claim 5] The electronic voucher settlement method is applied to the first fund management server, and includes the steps of: receiving a settlement request separately submitted by each of the receipt terminals for the same electronic voucher;  The electronic voucher is separately released according to each payment request. [Claim 6] The method for the payment of the electronic certificate according to claim 5, wherein the dissolving the electronic voucher according to each of the cancellation requests includes:  Dissolving the electronic voucher according to a request for payment by a receiving terminal, and notifying the card terminal after the completion of the payment; After receiving the next settlement request submitted by the next receiving party to the electronic voucher, The next settlement request issues the electronic voucher. The electronic voucher settlement method according to claim 5 or 6, wherein the separately performing the payment of the electronic voucher according to each of the cancellation requests comprises: Each of the settlement requests is verified separately, and after the verification is passed, the funds of the corresponding amount in the account associated with the electronic voucher are respectively released. An electronic voucher settlement system includes a certificate terminal, a certificate receiving end and a first fund management server, wherein the certificate receiving end has at least two, wherein: The authentication end is configured to send information of an electronic voucher to each of the receiving terminals, and the receiving end is configured to submit a dismissing request to the first fund management server; the first fund management server And setting, respectively, to cancel the electronic voucher according to the settlement request of each receiving end. The electronic voucher settlement system according to claim 8, further comprising a second fund management server, wherein the certificate receiving end is configured to: issue a settlement to the first fund management server by the second money management server request. The electronic voucher settlement system according to claim 8, wherein the certificate terminal is configured to: after the electronic certificate is successfully established, send the information of the electronic certificate to the at least two receiving ends in the same or successive manner. The electronic voucher settlement method according to claim 10, wherein the authentication terminal is configured to: first send the information of the electronic voucher to a receiving end; and when the receiving end completes the electronic voucher solution After payment, the information of the electronic voucher is sent to the next receiving end. An electronic voucher solving device is applied to a first fund management server, comprising a receiving module and a solution module, wherein: The receiving module is configured to receive, respectively, a settlement request submitted by each of the receiving parties for the same electronic voucher; The solution module is configured to separately issue the electronic voucher according to the respective payment request, and the electronic voucher processing device according to claim 12, wherein the solution module is configured to: Dissolving the electronic voucher according to a request for payment from a receiving end, and notifying the issuing end after the completion of the payment;  After receiving the next settlement request submitted by the next receiving party to the electronic voucher, the electronic voucher is then released according to the next settlement request. [Embodiment 14] The electronic voucher dispensing device according to claim 12 or 13, wherein the dissolving module comprises a verifying unit and a dissolving unit, wherein:  The verification unit is configured to respectively verify each of the cancellation requests;  The dissolving unit is configured to, after the verification request verification is passed, cancel the funds of the corresponding amount in the account associated with the electronic credential.