WO2017012014A1 - Procédé de modification de certificat électronique et système de paiement électronique - Google Patents
Procédé de modification de certificat électronique et système de paiement électronique Download PDFInfo
- Publication number
- WO2017012014A1 WO2017012014A1 PCT/CN2015/084583 CN2015084583W WO2017012014A1 WO 2017012014 A1 WO2017012014 A1 WO 2017012014A1 CN 2015084583 W CN2015084583 W CN 2015084583W WO 2017012014 A1 WO2017012014 A1 WO 2017012014A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- request
- bank
- receiving
- electronic voucher
- frozen amount
- 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
Links
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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
Definitions
- the present invention relates to the field of electronic commerce, and in particular, to a method for modifying an electronic voucher and an electronic payment system [0002]
- the present invention provides a method for modifying an electronic voucher, comprising: receiving, by a receiving bank, a request for modifying a frozen amount of an electronic voucher; and the receiving bank modifying a frozen amount of the frozen amount of the electronic voucher according to the request;
- the bank sends the modified frozen amount information to the bank, and the bank receives the modified frozen amount information; the bank confirms the frozen amount according to the information.
- a method for modifying an electronic voucher provided by the present invention includes:
- the receiving bank receives the request for modifying the frozen amount of the electronic voucher
- the verification card receives the modification request information
- the bank confirms whether the certificate account meets the modification condition, and if satisfied, the bank confirms the amount of the freeze according to the information.
- the present invention provides a method for processing information of a bank, including:
- the bank receives the request information for modifying the frozen amount of the electronic voucher
- the bank confirms whether the certificate account meets the modification condition, and if satisfied, the bank determines the amount of the freeze according to the information.
- a receiving bank information processing method provided by the present invention includes: [0016] the receiving bank receives a request for modifying the frozen amount of the electronic voucher;
- the receiving bank modifies the frozen amount of the frozen amount of the electronic voucher according to the request
- the receiving bank sends the modified frozen amount information to the bank.
- An electronic payment system provided by the present invention includes a server and a receiving bank server:
- the server includes:
- a certificate modification request receiving device configured to receive information for modifying a frozen amount request of the electronic voucher
- the bank modification request processing device is configured to verify whether the certificate account meets the modification condition, and if satisfied, the bank certificate changes the frozen amount according to the information;
- the receiving bank server includes:
- a receiving end modification request receiving device configured to receive a frozen amount request for modifying the electronic voucher
- a receiving end modification request processing device configured to modify a frozen amount of the electronic voucher according to the request
- the receiving bank side modification request sending device is configured to send the modified frozen amount information to the bank.
- the present invention provides a server server, including:
- a bank modification request receiving device configured to receive information for modifying a frozen amount request of the electronic voucher
- the bank modification request processing device is configured to verify whether the certificate account meets the modification condition, and if satisfied, the bank certificate changes the frozen amount according to the information.
- a receiving bank server provided by the present invention includes:
- a receiving bank side modification request receiving device configured to receive a frozen amount request for modifying the electronic voucher
- a receiving end modification request processing device configured to modify a frozen amount of the electronic voucher according to the request
- the receiving bank side modification request sending device is configured to send the modified frozen amount information to the bank.
- the frozen amount information can be modified according to the request, which facilitates the merchant and the user.
- Embodiment 1 is a flowchart of Embodiment 1 of a method for modifying an electronic voucher according to the present invention
- Embodiment 2 is a flowchart of Embodiment 2 of a method for modifying an electronic voucher according to the present invention
- FIG. 3 is a flow chart of a first embodiment of a method for processing information of a bank according to the present invention
- Embodiment 4 is a flowchart of Embodiment 2 of a method for processing information of a certificate according to the present invention
- 5 is a flowchart of Embodiment 1 of a method for processing information of a receiving bank according to the present invention
- Embodiment 6 is a flowchart of Embodiment 2 of a method for processing information of a receiving bank according to the present invention
- Embodiment 7 is a schematic structural diagram of Embodiment 1 of an electronic payment system according to the present invention.
- Embodiment 8 is a schematic structural diagram of Embodiment 2 of an electronic payment system according to the present invention.
- Embodiment 9 is a schematic structural diagram of Embodiment 1 of a server of a certificate server according to the present invention.
- Embodiment 2 of a server of the present invention
- Embodiment 1 is a schematic structural diagram of Embodiment 1 of a receiving bank server according to the present invention.
- Embodiment 12 is a schematic structural diagram of Embodiment 2 of a receiving bank server according to the present invention.
- the user purchases the goods or services by paying the frozen amount of the electronic voucher, and after the user completes the payment, the merchant may reduce the electronic voucher unilaterally due to the price reduction of the goods or services or other reasons.
- the amount of money is frozen, which facilitates merchants and users.
- the requesting party that initiates the modification of the frozen amount of the electronic voucher may also be a user, and the user negotiates with the merchant to change the frozen amount included in the frozen amount of the electronic voucher, especially after the user purchases the product or service. After the price of the goods or services changes greatly, the user can change the amount of the frozen amount by negotiating with the merchant to realize a reasonable transaction in the e-commerce.
- a witness A user who applies for the frozen amount of an electronic voucher.
- ⁇ A bank that applies for the freezing amount of an electronic certificate based on the witness.
- Electronic voucher refers to an electronic credit commitment payment voucher that the bank freezes funds according to the application of the witnesses or uses the credit line and is established in the name of the bank, and promises to settle according to the agreed conditions.
- Credit limit refers to the bank credit limit at the disposal of the user account.
- Receiving bank The bank that the certificate holder entrusts to receive the frozen amount of the electronic certificate.
- Receiver A user who receives a frozen amount of an electronic voucher.
- Bank Server The frozen amount of the bank's electronic voucher business server system.
- Client System The frozen amount of the electronic voucher client system.
- FIG. 1 is a flowchart of Embodiment 1 of a method for modifying an electronic voucher according to the present invention, including:
- the receiving bank receives a request for modifying the frozen amount of the electronic voucher
- the request for the frozen amount of the modified electronic voucher is from the recipient
- the receiving bank modifies a frozen amount of the frozen amount of the electronic voucher according to the request;
- the receiving bank sends the modified frozen amount information to the securities bank
- the verification card receives the modification request information.
- the verification bank confirms whether the certificate account meets the modification condition, and if yes, the bank confirms the frozen amount according to the information.
- the frozen amount information may be modified according to the request, which facilitates the merchant and the user.
- the request to modify the frozen amount of the electronic voucher may be initiated by the issuer, one of which is described below.
- a flowchart of Embodiment 2 of a method for modifying an electronic voucher according to the present invention includes: [0072] S201: A bank receives a frozen amount request for pre-modifying an electronic voucher;
- the frozen amount request of the pre-modified electronic voucher is usually sent by a witness
- the receiving bank receives the frozen amount request of the pre-modified electronic voucher
- the receiving bank sends a pre-request to the recipient
- the request for the frozen amount of the modified electronic voucher received by the receiving bank is from the recipient, and the recipient requests to issue a frozen amount for modifying the electronic voucher according to the frozen amount of the pre-modified electronic voucher;
- the receiving bank receives a request for modifying a frozen amount of an electronic voucher
- the receiving bank modifies the frozen amount of the electronic voucher according to the request
- the receiving bank sends the modified frozen amount information to the securities bank
- the verification card receives the modification request information.
- the verification bank verifies whether the certificate account meets the modification condition. If the certificate is satisfied, the bank confirms the frozen amount according to the information.
- the solution of the foregoing embodiment 2 details the specific implementation manner of the present invention when the witness initiates the request to modify the electronic voucher. After the payment is completed, the user can also change the electronic voucher by negotiating with the merchant. The frozen amount is especially applicable to the user's purchase price, and the price of the product changes greatly. The user can negotiate a change in the amount of the frozen amount to negotiate a reasonable transaction in e-commerce.
- FIG. 3 is a flowchart of Embodiment 1 of a method for processing information of a certificate according to the present invention, including: [0085] S301: The bank receives information for modifying a frozen amount request of an electronic certificate;
- the modified frozen amount information usually comes from the receiving bank
- the verification bank confirms whether the certificate account meets the modification condition, and if yes, the bank confirms the frozen amount according to the information. .
- the requesting party that initiates the modification of the frozen amount of the electronic voucher may also be the user, and the method for processing the information of the voucher will be somewhat different, as exemplified below.
- FIG. 4 it is a flowchart of Embodiment 2 of a method for processing information of a certificate according to the present invention, which includes:
- S401 The bank receives a frozen amount request for pre-modifying the electronic voucher
- the issuing bank sends a pre-request to the issuing bank.
- the confirmation bank receives information for modifying a frozen amount request of an electronic voucher
- S404 The verification bank verifies whether the certificate account meets the modification condition, and if yes, the bank confirms the frozen amount according to the information. .
- a flowchart of Embodiment 1 of a method for processing information of a receiving bank according to the present invention includes: [0094] S501: A receiving bank receives a request for modifying a frozen amount of an electronic voucher;
- the receiving bank modifies a frozen amount of the frozen amount of the electronic voucher according to the request;
- the receiving bank sends the modified frozen amount information to the bank.
- the requesting party that initiates the modification of the electronic voucher may also be a user, and the method for processing the receiving bank information will be somewhat different, as exemplified below.
- FIG. 6 a flowchart of Embodiment 2 of a method for processing information of a receiving bank according to the present invention includes:
- the receiving bank receives the frozen amount request of the pre-modified electronic voucher
- the receiving bank sends a pre-request to the certificate holder
- the request for the frozen amount of the modified electronic voucher received by the receiving bank is from the recipient, the recipient root A request to modify the frozen amount of the electronic voucher is issued according to the pre-modification of the frozen amount of the electronic voucher.
- the receiving bank receives a request for modifying a frozen amount of an electronic voucher
- the receiving bank modifies the frozen amount of the frozen amount of the electronic voucher according to the request
- the receiving bank sends the modified frozen amount information to the bank.
- FIG. 7 is a schematic structural diagram of Embodiment 1 of an electronic payment system according to the present invention, including a server 71 and a receiving bank server 72:
- the security server 71 includes:
- the certificate end modification request receiving device 711 is configured to receive information for modifying the frozen amount request of the electronic voucher
- the bank modification request processing device 712 is configured to verify whether the certificate account meets the modification condition, and if the certificate is satisfied, the bank certificate changes the frozen amount according to the information. ;
- the collection bank server 72 includes:
- the receiving bank side modification request receiving device 721 is configured to receive a frozen amount request for modifying the electronic voucher; [0110] the receiving bank side modification request processing device 722, configured to modify the frozen amount of the electronic voucher according to the request
- the receiving bank side modification request sending device 723 is configured to send the modified frozen amount information to the bank.
- the requesting party that initiates the modification of the frozen amount of the electronic voucher may also be the user, and the electronic payment system will have some differences, as exemplified below.
- FIG. 8 it is a schematic structural diagram of Embodiment 2 of an electronic payment system according to the present invention, which includes a server server 81 and a receiving bank server 82:
- the security server server 81 includes:
- a bank pre-modification request receiving device 811 configured to receive a frozen amount request for pre-modifying the electronic voucher
- the certificate pre-modification request sending device 812 is configured to send the pre-request to the issuing bank
- the certificate end modification request receiving device 813 is configured to receive information for modifying the frozen amount request of the electronic voucher
- the bank modification request processing device 814 is configured to verify whether the certificate account meets the modification condition, and if satisfied, the bank certificate changes the frozen amount according to the information.
- the receiving bank server 82 includes:
- the receiving bank side pre-modification request receiving device 821 is configured to receive the frozen amount request of the pre-modified electronic voucher
- the receiving bank side pre-modification request transmitting device 822 is configured to send the pre-request to the witness;
- the frozen amount request for modifying the electronic voucher received by the receiving bank is from the recipient, and the recipient sends a request for modifying the frozen amount of the electronic voucher according to the frozen amount of the pre-modified electronic voucher.
- the receiving bank side modification request receiving means 823 is configured to receive a frozen amount request for modifying the electronic voucher; [0123] the receiving bank side modification request processing means 824, for modifying the frozen amount of the electronic voucher according to the request Freezing amount;
- the receiving bank side modification request sending device 825 is configured to send the modified frozen amount information to the bank.
- FIG. 9 is a schematic structural diagram of Embodiment 1 of a server, including:
- the certificate end modification request receiving device 901 is configured to receive information for modifying the frozen amount request of the electronic voucher
- the bank modification request processing device 902 is configured to verify whether the certificate account meets the modification condition, and if the certificate is satisfied, the bank certificate changes the frozen amount according to the information.
- the requesting party that initiates the modification of the frozen amount of the electronic voucher may also be the user, and the server may have some differences, as exemplified below.
- FIG. 10 it is a schematic structural diagram of Embodiment 2 of a server.
- the bank terminal pre-modification request receiving device 1001 is configured to receive a frozen amount request for pre-modifying the electronic voucher
- the bank pre-modification request transmitting device 1002 is configured to send the pre-request to the issuing bank.
- the certificate end modification request receiving device 1003 is configured to receive information for modifying the frozen amount request of the electronic voucher
- the bank modification request processing device 1004 is configured to verify whether the certificate account meets the modification condition, and if the certificate is satisfied, the bank certificate changes the frozen amount according to the information.
- FIG. 11 is a schematic structural diagram of Embodiment 1 of a receiving bank server, including:
- the receiving bank side modification request receiving device 1101 is configured to receive a frozen amount request for modifying the electronic voucher; [0134] the receiving bank side modification request processing device 1102, configured to modify the frozen amount of the electronic voucher according to the request [0135] The receiving bank side modification request transmitting device 1103 is configured to send the modified frozen amount information to the bank.
- the requesting party that initiates the modification of the frozen amount of the electronic voucher may also be a user, and the receiving bank server may have some differences, as exemplified below.
- FIG. 12 it is a schematic structural diagram of Embodiment 2 of a receiving bank server, including:
- the receiving bank side pre-modification request receiving device 1201 is configured to receive a frozen amount request of the pre-modified electronic voucher
- the receiving bank side pre-modification request transmitting device 1202 is configured to send the pre-request to the witness;
- the frozen amount request for modifying the electronic voucher received by the receiving bank is from the recipient, and the recipient requests to issue a frozen amount for modifying the electronic voucher according to the frozen amount of the pre-modified electronic voucher.
- the receiving bank side modification request receiving means 1203 is configured to receive a frozen amount request for modifying the electronic voucher; [0141] the receiving bank side modification request processing means 1204, for modifying the frozen amount of the electronic voucher according to the request
- the receiving bank side modification request transmitting means 1205 is configured to send the modified frozen amount information to the bank.
- a user purchases a product or a service by paying an electronic voucher, and the user pays to complete the merchant after the receipt of the certificate. If the goods or services are reduced in price or for other reasons, the merchant can unilaterally reduce the amount of the electronic voucher, facilitating the merchant and the user.
- the requesting party that initiates the modification of the electronic voucher may also be a user, and the user negotiates with the merchant to change the frozen amount included in the electronic voucher, especially for the price of the product or service after the user purchases the product or service. After a major change, the user can change the amount of the frozen amount by negotiating with the merchant to achieve a reasonable transaction in e-commerce.
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- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201580012823.9A CN106415634A (zh) | 2015-07-21 | 2015-07-21 | 一种电子凭证的修改方法以及电子支付系统 |
| PCT/CN2015/084583 WO2017012014A1 (fr) | 2015-07-21 | 2015-07-21 | Procédé de modification de certificat électronique et système de paiement électronique |
| CA2993036A CA2993036C (fr) | 2015-07-21 | 2015-07-21 | Procede de modification de certificat electronique et systeme de paiement electronique |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084583 WO2017012014A1 (fr) | 2015-07-21 | 2015-07-21 | Procédé de modification de certificat électronique et système de paiement électronique |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2017012014A1 true WO2017012014A1 (fr) | 2017-01-26 |
Family
ID=57833780
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/CN2015/084583 Ceased WO2017012014A1 (fr) | 2015-07-21 | 2015-07-21 | Procédé de modification de certificat électronique et système de paiement électronique |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106415634A (fr) |
| CA (1) | CA2993036C (fr) |
| WO (1) | WO2017012014A1 (fr) |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2001306980A (ja) * | 2000-04-24 | 2001-11-02 | Lefco Corp | 商品代金決済システム |
| CN101567070A (zh) * | 2008-04-24 | 2009-10-28 | 中国银联股份有限公司 | 一种交易数据处理方法、系统及一种支付系统 |
| CN102663639A (zh) * | 2012-04-23 | 2012-09-12 | 重庆先迈通信技术有限公司 | 议价交易业务网络系统 |
| CN103854214A (zh) * | 2012-11-28 | 2014-06-11 | 阿里巴巴集团控股有限公司 | 竞拍数据的处理方法及系统 |
| CN104680363A (zh) * | 2013-11-26 | 2015-06-03 | 国际商业机器公司 | 用于同步分离付款交易管理的方法及系统 |
Family Cites Families (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20150262179A1 (en) * | 2013-03-18 | 2015-09-17 | Shenzhen Cifpay Network Bank Technology Co., Ltd | Paying method and system by using network |
-
2015
- 2015-07-21 CA CA2993036A patent/CA2993036C/fr active Active
- 2015-07-21 CN CN201580012823.9A patent/CN106415634A/zh active Pending
- 2015-07-21 WO PCT/CN2015/084583 patent/WO2017012014A1/fr not_active Ceased
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2001306980A (ja) * | 2000-04-24 | 2001-11-02 | Lefco Corp | 商品代金決済システム |
| CN101567070A (zh) * | 2008-04-24 | 2009-10-28 | 中国银联股份有限公司 | 一种交易数据处理方法、系统及一种支付系统 |
| CN102663639A (zh) * | 2012-04-23 | 2012-09-12 | 重庆先迈通信技术有限公司 | 议价交易业务网络系统 |
| CN103854214A (zh) * | 2012-11-28 | 2014-06-11 | 阿里巴巴集团控股有限公司 | 竞拍数据的处理方法及系统 |
| CN104680363A (zh) * | 2013-11-26 | 2015-06-03 | 国际商业机器公司 | 用于同步分离付款交易管理的方法及系统 |
Also Published As
| Publication number | Publication date |
|---|---|
| CN106415634A (zh) | 2017-02-15 |
| CA2993036A1 (fr) | 2017-01-26 |
| CA2993036C (fr) | 2023-02-07 |
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