WO2017012018A1 - Certificate issuing server, and data processing method and system for issuing certificate via invitation of certificate receiving bank - Google Patents

Abstract

A certificate issuing server, and a data processing method and system for issuing a certificate via an invitation of a certificate receiving bank, comprising: a first participant, on the basis of information provided by a second participant, generates invitation data (102); the certificate receiving bank acquires the invitation data, and sends same to a certificate issuing bank (104); the certificate issuing bank, on the basis of the invitation data, generates an electronic certificate pre-issuing message (106); the second participant receives the electronic certificate pre-issuing message, acquires the certificate issuing account, and sends to the certificate issuing bank a request to issue a certificate (108); and the certificate issuing bank generates an electronic certificate (110). An invitation is issued by a seller, and is further supported by bank credit, such that when a buyer issues an electronic certificate to implement an Internet transaction, as the seller has directly provided receipt-related information, the transaction operation of the buyer is simplified, providing a novel transaction experience for the buyer, which is convenient and efficient, and provides a beneficial tool for the development of mature e-commerce.

Description

 Data processing method and system for the certificate of the server and the solicitation certificate of the bank

 Technical field

 [0001] The present application relates to the technical field of computer data processing, and in particular, to a data processing method and system for a certificate server and an offer certificate of a certificate receiving bank.

 BACKGROUND OF THE INVENTION

 [0003] E-commerce uses the Internet platform to connect all parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.) by networking, electronically, and informatizing the entire transaction process.

, reducing the cost of transactions and improving transaction efficiency.

[0004] However, in the current e-commerce application, the transfer of funds mainly relies on the traditional electronic direct transfer payment method and the third-party payment method, and the payment method is single, and most of them are initiated by the buyer, and the buyer needs to obtain the seller's Data such as account information can be used to pay for electronic receipts. The procedures are cumbersome and cannot meet some potential business needs in the market.

SUMMARY OF THE INVENTION

 [0006] The present application provides a data processing method and system for a certificate server and an offer certificate of a certificate receiving bank.

[0007] According to a first aspect of the present application, the present application provides a data processing method for an offer card of a certificate receiving bank, including:

 [0008] the first party generates the invitation data according to the information provided by the second party;

[0009] the offer data includes a payment account number and a payment amount;

[0010] The receiving bank obtains the invitation data and sends it to the bank for identification;

[0011] the securities bank generates pre-emptive electronic voucher information according to the offer data;

 [0012] the second participant receives the pre-existing electronic voucher information, obtains a voucher account number, and issues a request for a custody certificate to the bank;

[0013] The security card generates an electronic voucher.

[0014] In the above method, after the step of generating the pre-emptive electronic voucher information according to the request data, the step of the second participant to receive the electronic voucher information includes: [0015] the issuing bank sends the pre-emptive electronic voucher information to the second participant via the first participant

[0016] In the above method, the offer data includes a credit card account number and a second party communication contact manner.

[0017] In the above method, the offer data includes a bank information and a second party communication contact manner.

[0018] The above method, the generating the electronic voucher by the bank includes:

[0019] the bank is determined whether the funds or credits of the securities account are sufficient;

[0020] If yes, the bank may freeze the funds or credit of the credit card account.

 [0021] According to a second aspect of the present application, the present application provides a data processing method for a solicitation certificate of a receiving bank, including:

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[0023] the verification bank receives a request for a certificate generated by the second participant according to the preview electronic voucher information

The request for the certificate includes the account number of the card;

[0024] The issuing bank generates an electronic voucher.

 [0025] According to a third aspect of the present application, the present application provides a data processing system for a solicitation certificate of a certificate receiving bank.

, including a first terminal, a second terminal, a server, a receiving bank server;

[0026] The first terminal is configured to generate, according to the information provided by the second terminal, the offer data; [0027] the receiving bank server is configured to acquire the offer data, and send the data to the Securities server

[0028] the server server is configured to generate pre-emptive electronic voucher information according to the offer data;

[0029] the second terminal is configured to receive the pre-existing electronic voucher information, obtain a voucher account, and issue a request for a certificate to the server;

[0030] The server is also used to generate an electronic voucher.

 [0031] The above system, the offer data includes a payment account number and a payment amount; the receiving bank server is further configured to send the pre-emptive electronic voucher information to the second terminal via the first terminal .

 [0032] In the above system, the server of the bank is further configured to determine whether the funds or credits of the bank account are sufficient; if yes, the funds or credits of the bank account are frozen.

[0033] According to the fourth aspect of the present application, the application provides a server, including a processing module, a receiving module, and a certificate module; [0034] the processing module is configured to generate pre-e-voucher e-voucher information according to the offer data sent by the card-receiving bank server, where the offer data is generated by the first terminal by using the e-mail information provided by the second terminal;

 [0035] The receiving module is configured to receive a request for the certificate generated by the second terminal according to the preview electronic voucher information; the request for the certificate includes a credit card account;

 [0036] The certificate module is configured to generate an electronic certificate.

 [0037] Due to the adoption of the above technical solutions, the beneficial effects of the present application are:

[0038] The application is initiated by the seller, and the seller directly provides the relevant information of the payment, and the bank credit blessing facilitates the buyer to establish an electronic voucher for the internet transaction, thereby simplifying the buyer's transaction action and providing the buyer with a brand new The trading experience, convenient and efficient, provides favorable conditions for the mature development of e-commerce.

 BRIEF DESCRIPTION OF THE DRAWINGS

 [0040] FIG. 1 is a flow chart of a data processing method for an offer card of a receiving bank of the present application in an embodiment;

 [0041] FIG. 2 is a flow chart of a data processing method for a solicitation certificate of a receiving bank of the present application in a specific application example;

 [0042] FIG. 3 is a flow chart of another embodiment of a data processing method for an offer card of a certificate receiving bank of the present application;

 [0043] FIG. 4 is a schematic structural diagram of a data processing system of an offer card of a receiving bank of the present application in an embodiment;

 [0044] FIG. 5 is a schematic structural diagram of a server of the present application in an embodiment.

DETAILED DESCRIPTION

 [0046] The present application will be further described in detail below with reference to the accompanying drawings.

[0047] The electronic voucher mentioned in the present application is an electronic credit commitment payment voucher that the bank promises to pay the funds according to the agreed conditions, which means that the bank freezes the required amount of funds or uses the credit line according to the application of the witness, and promises The electronic credit commitment payment certificate for payment settlement shall be handled in accordance with the agreed settlement conditions.

[0048] The usual business process of the electronic voucher is as follows: The bank of the securities bank freezes the required amount of funds according to the application of the witnesses to establish an electronic voucher, and the certificate is issued by the card-receiving bank, and when the agreed settlement conditions are met, The bank will solve the payment and settle the payment settlement with the certificate holder through the bank. [0049] Embodiment 1:

 [0050] As shown in FIG. 1 , the data processing method of the solicitation certificate of the receiving bank of the present application includes:

 [0051] Step 102: The first participant generates the invitation data according to the information provided by the second participant. usually

The first participant in this application is the seller and the second participant is the buyer. The "derogation information" provided by the department may be the name of the bank or the account number of the bank, or the communication method of the buyer. The "invitation data" mentioned by the Department includes at least the receiving account number and the amount received.

[0052] Step 104: The receiving bank obtains the invitation data generated by the first party and sends the data to the bank.

[0053] Step 106: The verification bank generates pre-emptive electronic voucher information according to the offer data, and sends the information to the second participant.

 [0054] Step 108: The second party receives the pre-existing electronic voucher information, provides or confirms the voucher account number, and issues a request for the card to the bank.

[0055] Step 110: The verification bank generates an electronic voucher.

[0056] After step 106, before step 108, the method further includes the following steps:

[0057] The issuing bank sends the electronic voucher information to the second participant via the first participant.

[0058] In another embodiment, the offer data further includes a bank account number and a second party communication contact method.

[0059] In still another embodiment, the offer data further includes the information of the bank and the communication method of the second party.

[0060] In an embodiment, step 110 may specifically include the following steps:

 [0061] The bank determines whether the funds or credits of the securities account are sufficient. If the funds or credits of the securities account are greater than or equal to the amount of funds or the credit line in the application for the certificate, the funds or credits of the account are sufficient.

 [0062] If yes, the bank will freeze the funds or credit of the securities account, otherwise, the process of the certificate will be terminated.

 [0063] It should be noted that the "certificate account" mentioned in the present section may be the account of the witness or the account of the person other than the witness.

 [0064] Further, after step 110, the following steps may be further included:

 [0065] the verification bank sends the electronic voucher generation information to the second participant;

 [0066] The second participant receives the electronic voucher generation information.

[0067] As shown in FIG. 2, the data processing method of the solicitation certificate of the receiving bank of the present application, a specific application thereof For example, the following steps are included:

 [0068] Step 202: The seller generates the invitation data according to the information provided by the buyer. The offer data includes at least the seller's payment account number and the amount of the payment.

[0069] Step 204: The receiving bank obtains the offer data, and sends the offer data to the bank. That is, the receiving bank passes the information to the bank.

[0070] Step 206: The confirmation bank receives the offer data, and generates the electronic voucher information to be erected.

[0071] Step 208: The issuing bank sends the pre-existing electronic voucher information to the receiving bank, and the receiving bank sends the information to the seller.

 [0072] Step 210: The seller sends the pre-emptive electronic voucher information to the buyer.

 [0073] Step 212: The buyer receives the pre-existing electronic voucher information, determines whether the electronic voucher is established, and if the electronic voucher is disapproved, the process ends, otherwise, step 214 is performed.

 [0074] Step 214: The buyer enters the account number of the card and entrusts the bank to establish an electronic certificate.

 [0075] Step 216: The securities bank receives the buyer's request for a certificate, calls the data in the buyer's account, obtains funds or credit information, and determines whether the amount is sufficient. If sufficient, step 218 is performed, and vice versa, the feedback result is given to the buyer, and the verification process is ended. Of course, it can be understood that the location is not necessarily the comparison of the account information of the witness, or the account of another person can be used.

 [0076] In practical applications, the bank also needs to verify the identity information of the witness in advance. The verification of the office may have the following situations: The first verification situation refers to whether the verification witness has the account information at the bank, and the second verification case refers to whether the applicant is true. Effective, that is, real-name authentication, does not require the witness to have a account number in the bank; the third verification case refers to whether the applicant has a bad credit record, whether it is a whitelist or a blacklist. ? Specific verification can be achieved by mobile phone dynamic code.

 [0077] Step 218: When the funds or credits in the account are sufficient, the bank may freeze the funds or use the credit to generate the electronic certificate, or use the debit card to freeze the funds, such as using a credit card. , then use credit.

 [0078] Step 220: Send information generating the electronic voucher to the buyer.

[0079] After the certification bank completes the process of verifying the electronic voucher, the information that the electronic voucher is successful may be sent to the buyer. [0080] Step 222: The buyer receives the information that the electronic voucher has been established, thereby knowing the status of the electronic voucher.

 [0081] In practical applications, the seller may first negotiate with the buyer to obtain part of the information of the buyer, and then the bank where the seller collects the account (the receiving bank) pushes the bank where the buyer account is located (幵证行) Information, inviting evidence, that is, the initial information issued by the bank to prepare an electronic voucher. Usually, the information of the buyer in the preliminary information is vacant, and the electronic voucher template with preliminary information ready to stand the electronic voucher is sent to the seller through the seller. The buyer, the buyer fills in the account of the Seto ID card, thereby establishing an electronic voucher to purchase goods or services. For example, the seller fills in the "bill" and asks the buyer to confirm whether or not to pay.

 [0082] It should be noted that the step of the buyer filling in the account number of the card can be set up after the initial confirmation of the card information by the bank, and then filled out by the buyer; or, the buyer is negotiating with the seller. Let the seller know the buyer's payment account, and inform the bank through the receiving bank that the bank will directly establish the electronic voucher information without the vacancy certificate account, and the witness can determine the electronic certificate.

 [0083] In this example, the seller consults with the buyer in advance to obtain part of the buyer's information, such as the buyer's account.

 (幵证行), generate an offer, the invitation contains at least the seller's payment account information and amount, and through the blessing of the clearing bank and the bank, the bank will generate the electronic voucher information and buy it for the specific Home feedback, and then the buyer decides whether to purchase according to their needs. If the purchase, the buyer fills in the account number with the invitation information, and entrusts the bank to establish an electronic certificate. Pre-existing electronic voucher information lacks information on the witness's account number.

 [0084] In this way, the seller initiates the invitation, and the bank credit blessing facilitates the buyer to establish an electronic voucher for the internet transaction, thereby simplifying the buyer's transaction action, providing the buyer with a brand new transaction experience, convenient and efficient, for e-commerce. Mature development provides a useful tool.

 Embodiment 2:

 [0086] As shown in FIG. 3, another method for implementing the data processing method of the solicitation certificate of the receiving bank of the present application includes the following steps:

[0087] Step 302: The verification bank generates the pre-emptive electronic voucher information according to the invitation data sent by the verification bank, where the invitation data is generated by the first participant according to the information provided by the second participant, specifically, The first participant communicates with the second participant first. After the transaction intention is reached, the second participant informs the first participant of the name of the bank, that is, the “certificate information”; the first participant according to the second The name of the bank of the bank that the party informed, the name of the card and the amount of the receipt, and other information, can form a preliminary Sub-voucher information.

 [0088] Step 304: The verification bank receives the request for the second party to generate the certificate according to the electronic certificate information; the request for the certificate includes the account number of the card;

[0089] Step 306: The verification bank generates an electronic voucher.

 [0090] In an embodiment, step 306 may further include the following steps:

[0091] The verification bank sends the electronic voucher generation information to the second participant.

[0092] Embodiment 3:

 [0093] As shown in FIG. 4, the data processing system of the solicitation certificate of the receiving bank of the present application, an implementation manner thereof, includes the first terminal 30, the second terminal 40, the bank server 10, and the receipt Line server 20. The first terminal 30, the terminal used by the buyer, is configured to generate the offer data according to the information provided by the second terminal 40; the receiving bank server 20 is configured to obtain the offer data, and send the data to the bank 10; The server 10 is configured to generate pre-emptive electronic voucher information according to the offer data. The second terminal 40 is a terminal used by the seller, and is configured to receive the pre-existing electronic voucher information, obtain the voucher account, and issue a certificate to the bank 10 server. The request server server 10 is also used to generate an electronic voucher.

 [0094] In an embodiment, the offer data may include a payment account number and a payment amount; the receiving bank server 10 is further configured to send the preview electronic voucher information to the first terminal by using the first terminal Two terminals. In another embodiment, the offer data may include a bank account number and a second party communication contact. In yet another embodiment, the offer data may include a bank information and a second party communication contact.

 [0095] The data processing system of the solicitation certificate of the receiving bank of the present application, the bank 10 server, can also be used to determine whether the funds or credits of the securities account are sufficient; if so, the funds or credits of the securities account are frozen. .

 [0096] In an embodiment, the server may also be configured to send the electronic voucher generation information to the second terminal 40. The second terminal 40 is further configured to receive the electronic voucher generation information.

 [0097] Embodiment 4:

[0098] As shown in FIG. 5, an embodiment of the server 10 of the present application includes a processing module 11, a receiving module 12, and a authentication module 13. The processing module 11 is configured to generate the pre-emptive electronic voucher information according to the offer data sent by the receiving bank server, where the data is generated by the first terminal by using the information provided by the second terminal, and the receiving module 12 is configured to receive the second terminal according to the Predicting the request for e-voucher information generation The certificate request includes the account number; the certificate module 13 is used to generate the electronic certificate.

[0099] In an embodiment, the authentication module may be further configured to send the electronic credential generation information to the second terminal.

The above content is a further detailed description of the present application in conjunction with the specific embodiments, and the specific implementation of the present application is not limited to the description. For the ordinary person skilled in the art to which the present invention pertains, several simple deductions or substitutions may be made without departing from the spirit of the present application. technical problem

 Problem solution

 Advantageous effects of the invention

Claims

Claim A data processing method for an offer card of a certificate receiving bank, characterized in that: the first party generates the offer data according to the information provided by the second party; the offer data includes a payment account number and Collection amount; The receiving bank obtains the solicitation data and sends it to the securities bank; The securities bank generates pre-emptive electronic voucher information according to the offer data; The second participant receives the pre-existing electronic voucher information, obtains a voucher account number, and issues a request for a certificate to the bank; The issuing bank generates an electronic voucher. The data processing method of the solicitation certificate of the certificate receiving bank according to claim 1, wherein the step of the step of executing the electronic voucher information according to the offer data, the step of the second participant Before receiving the pre-existing electronic voucher information, the method further includes: the receiving bank transmitting the pre-existing electronic voucher information to the second participant via the first participant. The data processing method of the solicitation certificate of the certificate receiving bank according to claim 2, wherein the offer data includes a bank account number and a second party communication contact mode. The data processing method of the solicitation certificate of the certificate receiving bank according to claim 2, wherein the offer data comprises the information of the bank and the communication method of the second party. The data processing method of the solicitation certificate of the certificate receiving bank according to any one of claims 1 to 4, wherein the generating the electronic voucher by the bank includes:  Whether the securities bank determines whether the funds or credit of the securities account is sufficient;  If so, the bank may freeze the funds or credit of the securities account. A data processing method for a solicitation certificate of a certificate receiving bank, characterized in that: the card issuing bank generates pre-emptive electronic voucher information according to the invitation data sent by the card issuing bank, and the inviting data is passed by the first party. And generating, by the second party, the information of the bank information generated by the second party according to the pre-emptive electronic voucher information; the request for the card includes the account number of the card; The issuing bank generates an electronic voucher. A data processing system for receiving a certificate of acceptance by a certificate issuing bank, comprising: a first terminal, a second terminal, a server of a bank, and a server of a receiving bank; The first terminal is configured to generate the offer data according to the information about the certificate provided by the second terminal; The receiving bank server is configured to obtain the offer data, and send the data to the server of the bank for generating the pre-emptive electronic voucher information according to the offer data; Receiving the pre-existing electronic voucher information, obtaining a voucher account number, and issuing a request for a certificate to the bank server; The server is also used to generate an electronic voucher. The data processing system of the solicitation certificate of the certificate receiving bank according to claim 7, wherein the offer data includes a payment account number and a payment amount; The receiving bank server is further configured to send the pre-emptive electronic voucher information to the second terminal by using the first terminal. A data processing system for a solicitation certificate of a certificate receiving bank according to claim 8, wherein: The server of the bank is also used to determine whether the funds or credits of the bank account are sufficient; if so, the funds or credits of the bank account are frozen.  An authentication server, which is characterized in that it comprises a processing module, a receiving module and a certificate module; The processing module is configured to generate pre-emptive electronic voucher information according to the offer data sent by the receiving bank server, where the offer data is generated by the first terminal by using the information provided by the second terminal; The receiving module is configured to receive a request for the certificate generated by the second terminal according to the preview electronic certificate information; the request for the certificate includes a certificate account number; The certificate module is configured to generate an electronic certificate.