WO2017012018A1 - Serveur de délivrance de certificat, et procédé et système de traitement de données pour délivrer un certificat par l'intermédiaire d'une invitation d'une banque de réception de certificat - Google Patents

Serveur de délivrance de certificat, et procédé et système de traitement de données pour délivrer un certificat par l'intermédiaire d'une invitation d'une banque de réception de certificat Download PDF

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Publication number
WO2017012018A1
WO2017012018A1 PCT/CN2015/084587 CN2015084587W WO2017012018A1 WO 2017012018 A1 WO2017012018 A1 WO 2017012018A1 CN 2015084587 W CN2015084587 W CN 2015084587W WO 2017012018 A1 WO2017012018 A1 WO 2017012018A1
Authority
WO
WIPO (PCT)
Prior art keywords
certificate
bank
information
receiving
electronic voucher
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/CN2015/084587
Other languages
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 CA2993589A priority Critical patent/CA2993589C/fr
Priority to PCT/CN2015/084587 priority patent/WO2017012018A1/fr
Publication of WO2017012018A1 publication Critical patent/WO2017012018A1/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
    • 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 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.
  • 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.
  • the present application provides a data processing method and system for a certificate server and an offer certificate of a certificate receiving bank.
  • the present application provides a data processing method for an offer card of a certificate receiving bank, including:
  • the first party generates the invitation data according to the information provided by the second party;
  • the offer data includes a payment account number and a payment amount
  • the receiving bank obtains the invitation data and sends it to the bank for identification;
  • 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 custody certificate to the bank;
  • the security card generates an electronic voucher.
  • 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
  • the offer data includes a credit card account number and a second party communication contact manner.
  • the offer data includes a bank information and a second party communication contact manner.
  • the generating the electronic voucher by the bank includes:
  • the bank is determined whether the funds or credits of the securities account are sufficient
  • the bank may freeze the funds or credit of the credit card account.
  • the present application provides a data processing method for a solicitation certificate of a receiving bank, including:
  • 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
  • the issuing bank generates an electronic voucher.
  • the present application provides a data processing system for a solicitation certificate of a certificate receiving bank.
  • the first terminal is configured to generate, according to the information provided by the second terminal, the offer data;
  • the receiving bank server is configured to acquire the offer data, and send the data to the Securities server
  • the server server is configured to generate pre-emptive electronic voucher information according to the offer data
  • 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;
  • the server is also used to generate an electronic voucher.
  • 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 .
  • 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.
  • 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;
  • 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;
  • the certificate module is configured to generate an electronic certificate.
  • the application is initiated by the seller, and the seller directly provides the relevant information of the payment, and the bank credit $9 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.
  • 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
  • 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
  • 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
  • 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
  • FIG. 5 is a schematic structural diagram of a server of the present application in an embodiment.
  • 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.
  • Embodiment 1 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:
  • the data processing method of the solicitation certificate of the receiving bank of the present application includes:
  • 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.
  • Step 104 The receiving bank obtains the invitation data generated by the first party and sends the data to the bank.
  • Step 106 The verification bank generates pre-emptive electronic voucher information according to the offer data, and sends the information to the second participant.
  • 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.
  • Step 110 The verification bank generates an electronic voucher.
  • step 106 before step 108, the method further includes the following steps:
  • the issuing bank sends the electronic voucher information to the second participant via the first participant.
  • the offer data further includes a bank account number and a second party communication contact method.
  • the offer data further includes the information of the bank and the communication method of the second party.
  • step 110 may specifically include the following steps:
  • 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.
  • 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.
  • step 110 the following steps may be further included:
  • the verification bank sends the electronic voucher generation information to the second participant
  • the second participant receives the electronic voucher generation information.
  • 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.
  • 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.
  • Step 206 The confirmation bank receives the offer data, and generates the electronic voucher information to be erected.
  • 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.
  • Step 210 The seller sends the pre-emptive electronic voucher information to the buyer.
  • 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.
  • Step 214 The buyer enters the account number of the card and entrusts the bank to establish an electronic certificate.
  • 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.
  • the location is not necessarily the comparison of the account information of the witness, or the account of another person can be used.
  • 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.
  • 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.
  • Step 220 Send information generating the electronic voucher to the buyer.
  • Step 222 The buyer receives the information that the electronic voucher has been established, thereby knowing the status of the electronic voucher.
  • 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 ( ⁇ ) Information, inviting evidence, that is, the initial information issued by the bank to prepare an electronic voucher.
  • 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.
  • 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.
  • the seller consults with the buyer in advance to obtain part of the buyer's information, such as the buyer's account.
  • the seller initiates the invitation, and the bank credit $9 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 is a diagrammatic representation of Embodiment 1:
  • another method for implementing the data processing method of the solicitation certificate of the receiving bank of the present application includes the following steps:
  • 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.
  • 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;
  • Step 306 The verification bank generates an electronic voucher.
  • step 306 may further include the following steps:
  • the verification bank sends the electronic voucher generation information to the second participant.
  • the data processing system of the solicitation certificate of the receiving bank of the present application 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.
  • 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.
  • the offer data may include a bank account number and a second party communication contact.
  • the offer data may include a bank information and a second party communication contact.
  • the data processing system of the solicitation certificate of the receiving bank of the present application 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. .
  • 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.
  • 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.
  • the authentication module may be further configured to send the electronic credential generation information to the second terminal.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un serveur de délivrance de certificat, ainsi qu'un procédé et un système de traitement de données pour délivrer un certificat par l'intermédiaire d'une invitation d'une banque de réception de certificat, comprenant les opérations suivantes : un premier participant, sur la base d'informations fournies par un second participant, génère des données d'invitation (102) ; la banque de réception de certificat acquiert les données d'invitation, et envoie celles-ci à une banque de délivrance de certificat (104) ; la banque de délivrance de certificat, sur la base des données d'invitation, génère un message de pré-délivrance de certificat électronique (106) ; le second participant reçoit le message de pré-délivrance de certificat électronique, acquiert le compte de délivrance de certificat, et envoie à la banque de délivrance de certificat une requête pour délivrer un certificat (108) ; et la banque de délivrance de certificat génère un certificat électronique (110). Une invitation est délivrée par un vendeur, et est en outre prise en charge par un crédit bancaire, de telle sorte que, lorsqu'un acheteur délivre un certificat électronique pour mettre en œuvre une transaction Internet, puisque le vendeur a fourni directement des informations associées au reçu, l'opération de transaction de l'acheteur est simplifiée, ce qui offre une nouvelle expérience de transaction pour l'acheteur, qui est commode et efficace, et fournit un outil bénéfique pour le développement du commerce électronique à maturité.
PCT/CN2015/084587 2015-07-21 2015-07-21 Serveur de délivrance de certificat, et procédé et système de traitement de données pour délivrer un certificat par l'intermédiaire d'une invitation d'une banque de réception de certificat Ceased WO2017012018A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2993589A CA2993589C (fr) 2015-07-21 2015-07-21 Serveur de delivrance de certificat, et procede et systeme de traitement de donnees pour delivrer un certificat par l'intermediaire d'une invitation d'une banque de reception de c ertificat
PCT/CN2015/084587 WO2017012018A1 (fr) 2015-07-21 2015-07-21 Serveur de délivrance de certificat, et procédé et système de traitement de données pour délivrer un certificat par l'intermédiaire d'une invitation d'une banque de réception de certificat

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084587 WO2017012018A1 (fr) 2015-07-21 2015-07-21 Serveur de délivrance de certificat, et procédé et système de traitement de données pour délivrer un certificat par l'intermédiaire d'une invitation d'une banque de réception de certificat

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WO2017012018A1 true WO2017012018A1 (fr) 2017-01-26

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PCT/CN2015/084587 Ceased WO2017012018A1 (fr) 2015-07-21 2015-07-21 Serveur de délivrance de certificat, et procédé et système de traitement de données pour délivrer un certificat par l'intermédiaire d'une invitation d'une banque de réception de certificat

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CA (1) CA2993589C (fr)
WO (1) WO2017012018A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1739115A (zh) * 2002-11-04 2006-02-22 贸易杠杆股份有限公司 产生跟单信用证并符合货运单据
US20070011103A1 (en) * 2005-06-19 2007-01-11 Foster Frederick D System and method for identity protected secured purchasing
CN102194176A (zh) * 2010-03-19 2011-09-21 中国工商银行股份有限公司 一种网上银行反馈支付结果信息的方法及系统

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1739115A (zh) * 2002-11-04 2006-02-22 贸易杠杆股份有限公司 产生跟单信用证并符合货运单据
US20070011103A1 (en) * 2005-06-19 2007-01-11 Foster Frederick D System and method for identity protected secured purchasing
CN102194176A (zh) * 2010-03-19 2011-09-21 中国工商银行股份有限公司 一种网上银行反馈支付结果信息的方法及系统

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Publication number Publication date
CA2993589C (fr) 2023-01-24
CA2993589A1 (fr) 2017-01-26

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