WO2017012018A1 - 开证服务器、经收证行的邀约开证的数据处理方法及系统 - Google Patents

开证服务器、经收证行的邀约开证的数据处理方法及系统 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
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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
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English (en)
French (fr)
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
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Shenzhen Cifpay Network Bank Technology Co Ltd
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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/en
Priority to PCT/CN2015/084587 priority patent/WO2017012018A1/zh
Publication of WO2017012018A1 publication Critical patent/WO2017012018A1/zh
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • 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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Abstract

一种开证服务器、经收证行的邀约开证的数据处理方法及系统，包括：第一参与方根据第二参与方提供的信息，生成邀约数据（102）；收证行获取所述邀约数据，并发送给开证行（104）；开证行根据所述邀约数据生成预开电子凭证信息（106）；所述第二参与方接收所述预开电子凭证信息，获取开证账号，并向开证行发出开证请求（108）；所述开证行生成电子凭证（110）。由卖家发起邀约，经银行信用加持，促成买家开立电子凭证进行互联网交易，由于卖家直接提供收款的相关信息，从而简化买方交易动作，给买方提供了一种全新的交易体验，便捷高效，为电子商务的成熟发展提供了有利的工具。

Description

幵证服务器、 经收证行的邀约幵证的数据处理方法及系 统
技术领域
[0001] 本申请涉及计算机数据处理的技术领域， 尤其涉及一种幵证服务器、 经收证行 的邀约幵证的数据处理方法及系统。
[0002] 背景技术
[0003] 电子商务利用 Internet平台将传统商务活动中的参与各方 （买家、 卖家、 物流公 司、 金融机构等） 连接在一起， 通过将整个交易过程网络化、 电子化、 信息化
， 减低了交易的成本、 提高了交易效率。
[0004] 但是， 现行的电子商务应用中， 资金的传递主要还是依赖传统的电子直接转账 支付的方式和第三方支付的方式完成， 支付方式单一， 且多是由于买方发起， 买方需获取卖方的账户信息等数据， 才可幵出电子票据进行支付， 手续较为繁 琐， 无法满足市场上一些潜在的商务需求。
[0005] 发明内容
[0006] 本申请提供一种幵证服务器、 经收证行的邀约幵证的数据处理方法及系统。
[0007] 根据本申请的第一方面， 本申请提供一种经收证行的邀约幵证的数据处理方法 ， 包括：
[0008] 第一参与方根据第二参与方提供的幵证行信息， 生成邀约数据；
[0009] 所述邀约数据包括收款账号和收款金额；
[0010] 收证行获取所述邀约数据， 并发送给幵证行；
[0011] 幵证行根据所述邀约数据生成预幵电子凭证信息；
[0012] 所述第二参与方接收所述预幵电子凭证信息， 获取幵证账号， 并向幵证行发出 幵证请求；
[0013] 所述幵证行生成电子凭证。
[0014] 上述方法中， 步骤所述幵证行根据所述邀约数据生成预幵电子凭证信息后， 步 骤所述第二参与方接收所述预幵电子凭证信息前， 还包括： [0015] 所述收证行将所述预幵电子凭证信息经所述第一参与方发送给所述第二参与方
[0016] 上述方法， 所述邀约数据包括幵证行账号和第二参与方通讯联系方式。
[0017] 上述方法， 所述邀约数据包括幵证行信息和第二参与方通讯联系方式。
[0018] 上述方法， 所述幵证行生成电子凭证具体包括：
[0019] 所述幵证行判断幵证账户资金或授信是否足够；
[0020] 若是， 所述幵证行冻结所述幵证账户资金或授信。
[0021] 根据本申请的第二方面， 本申请提供一种经收证行的邀约幵证的数据处理方法 ， 包括：
[0022] 幵证行根据收证行发送的邀约数据生成预幵电子凭证信息， 所述邀约数据由第 一参与方通过第二参与方提供的幵证信息生成；
[0023] 所述幵证行接收由所述第二参与方根据所述预幵电子凭证信息生成的幵证请求
； 所述幵证请求包括幵证账号；
[0024] 所述幵证行生成电子凭证。
[0025] 根据本申请的第三方面， 本申请提供一种经收证行的邀约幵证的数据处理系统
， 包括第一终端、 第二终端、 幵证行服务器、 收证行服务器；
[0026] 所述第一终端， 用于根据所述第二终端提供的幵证行信息， 生成邀约数据； [0027] 所述收证行服务器， 用于获取所述邀约数据， 并发送给幵证行服务器；
[0028] 所述幵证行服务器， 用于根据所述邀约数据生成预幵电子凭证信息；
[0029] 所述第二终端， 用于接收所述预幵电子凭证信息， 获取幵证账号， 并向所述幵 证行服务器发出幵证请求；
[0030] 所述幵证行服务器， 还用于生成电子凭证。
[0031] 上述系统， 所述邀约数据包括收款账号和收款金额； 所述收证行服务器， 还用 于将所述预幵电子凭证信息经所述第一终端发送给所述第二终端。
[0032] 上述系统， 所述幵证行服务器， 还用于判断幵证账户资金或授信是否足够； 若 是， 则冻结所述幵证账户资金或授信。
[0033] 根据本申请的第四方面， 本申请提供一种幵证行服务器， 包括处理模块、 接收 模块和幵证模块； [0034] 所述处理模块， 用于根据收证行服务器发送的邀约数据生成预幵电子凭证信息 ， 所述邀约数据为第一终端通过第二终端提供的幵证信息生成；
[0035] 所述接收模块， 用于接收所述第二终端根据所述预幵电子凭证信息生成的幵证 请求； 所述幵证请求包括幵证账号；
[0036] 所述幵证模块， 用于生成电子凭证。
[0037] 由于采用了以上技术方案， 使本申请具备的有益效果在于：
[0038] 本申请由卖家发起邀约， 由于卖家直接提供收款的相关信息， 经银行信用加持 ， 促成买家幵立电子凭证进行互联网交易， 从而简化买方交易动作， 给买方提 供了一种全新的交易体验， 便捷高效， 为电子商务的成熟发展提供了有利的工 亘。
[0039] 附图说明
[0040] 图 1为本申请的经收证行的邀约幵证的数据处理方法在一种实施方式中的流程 图；
[0041] 图 2为本申请的经收证行的邀约幵证的数据处理方法在一种具体应用例中的流 程图；
[0042] 图 3为本申请的经收证行的邀约幵证的数据处理方法在另一种实施方式中的流 程图；
[0043] 图 4为本申请的经收证行的邀约幵证的数据处理系统在一种实施方式中的结构 示意图；
[0044] 图 5为本申请的幵证服务器在一种实施方式中的结构示意图。
[0045] 具体实施方式
[0046] 下面通过具体实施方式结合附图对本申请作进一步详细说明。
[0047] 本申请中提及的电子凭证即银行承诺按约定条件解付资金的电子信用承诺支付 凭证， 是指银行根据幵证人的申请冻结所需数额资金或使用信用额度而幵立， 并承诺依照约定解付条件办理支付结算的电子信用承诺支付凭证。
[0048] 电子凭证通常的业务流程为： 幵证银行根据幵证人的申请冻结所需数额资金以 幵立电子凭证， 并由收证人通过收证银行进行收证， 当约定解付条件达成吋， 由幵证银行将资金解付并通过收证银行向收证人办理支付结算。 [0049] 实施例一：
[0050] 如图 1所示， 本申请的经收证行的邀约幵证的数据处理方法， 包括：
[0051] 步骤 102: 第一参与方根据第二参与方提供的幵证信息， 生成邀约数据。 通常
， 本申请中的第一参与方为卖方， 第二参与方为买方。 该处提供的"幵证信息"， 或为幵证银行名称或幵证账号， 又或为买方的通讯联络方式。 本处所提及的 "邀 约数据 "至少包括收证账号和收款金额。
[0052] 步骤 104: 收证行获取第一参与方生成的邀约数据， 并发送给幵证行。
[0053] 步骤 106: 幵证行根据所述邀约数据生成预幵电子凭证信息， 并发送给第二参 与方。
[0054] 步骤 108: 第二参与方接收预幵电子凭证信息， 提供或确认幵证账号， 并向幵 证行发出幵证请求。
[0055] 步骤 110: 所述幵证行生成电子凭证。
[0056] 步骤 106后， 步骤 108前， 还包括以下步骤：
[0057] 收证行将预幵电子凭证信息经第一参与方发送给第二参与方。
[0058] 在另一种实施方式中， 邀约数据还包括幵证行账号和第二参与方通讯联系方式
[0059] 在又一种实施方式中， 邀约数据还包括幵证行信息和第二参与方通讯联系方式
[0060] 在一种实施方式中， 步骤 110具体可以包括以下步骤：
[0061] 幵证行判断幵证账户资金或授信是否足够。 幵证账户资金或授信大于或等于 幵证申请中的资金额度或授信额度， 则幵证账户资金或授信足够。
[0062] 若是， 幵证行冻结幵证账户资金或授信， 否则， 结束幵证流程。
[0063] 需要说明的是， 本处所述提及的"幵证账户"可以是幵证人本人的账户， 也可以 是幵证人以外的其他人的账户。
[0064] 进一步地， 步骤 110之后还可以包括以下步骤：
[0065] 幵证行将电子凭证生成信息发送给第二参与方；
[0066] 第二参与方接收电子凭证生成信息。
[0067] 如图 2所示， 本申请的经收证行的邀约幵证的数据处理方法， 其一种具体应用 例， 包括以下步骤：
[0068] 步骤 202: 卖方依据买方提供的幵证行信息， 生成邀约数据。 该邀约数据至少 包括卖方的收款账号和收款金额。
[0069] 步骤 204: 收证行获取该邀约数据， 并将该邀约数据发送给幵证行。 即收证行 将信息传递给幵证行。
[0070] 步骤 206: 幵证行接收邀约数据， 生成待幵立电子凭证信息。
[0071] 步骤 208: 幵证行将预幵电子凭证信息发送给收证行， 收证行再将此信息发送 给卖方。
[0072] 步骤 210: 卖方再将预幵电子凭证信息发送给买方。
[0073] 步骤 212: 买方接收预幵电子凭证信息， 判定是否幵立电子凭证， 若不同意幵 立电子凭证， 则结束流程， 反之， 执行步骤 214。
[0074] 步骤 214: 买方输入幵证账号， 委托幵证行幵立电子凭证。
[0075] 步骤 216: 幵证行接收买方的幵证请求， 调用买方账户内的数据， 获取资金或 授信信息， 判定其额度是否充足？若充足， 则执行步骤 218， 反之， 反馈结果给 买方， 结束幵证流程。 当然， 可以理解的， 该处也并非一定是调用幵证人的账 户信息进行比对， 也可以通过调用他人的账户幵证。
[0076] 实际应用中， 幵证行还需要预先对该幵证人的身份信息进行校验。 该处的校验 可能具有以下几种情形： 第一种校验情形是指校验幵证人是否在幵证银行有幵 户信息， 第二种校验情形是指该幵证申请人是否为真实有效的， 也就是实名制 认证， 不要求幵证人在幵证行一定有幵户账号； 第三种校验情形是指判定该幵 证申请人是否有不良信用记录， 是白名单用户还是黑名单用户？ 具体验证吋， 可以通过手机动态码实现。
[0077] 步骤 218: 当账户内资金或授信足够吋， 幵证行受幵证人的请求冻结资金或支 用授信生成电子凭证， 如使用的是借记卡， 则冻结资金， 如使用的是信用卡， 则支用授信。
[0078] 步骤 220: 将生成电子凭证的信息发送给买方。
[0079] 当幵证行完成电子凭证的幵证过程后， 可将该电子凭证幵立成功的信息发送给 买方。 [0080] 步骤 222: 买方接收电子凭证已幵立的信息， 从而知晓电子凭证的状态。
[0081] 在实际应用中， 卖家可先与买家磋商， 获知买家的部分信息， 然后卖家收款账 号所在的银行 （收证行） ， 向买家账号所在的银行 （幵证行） 推送信息， 邀约 幵证， 也就是幵证行出具准备幵立电子凭证的初步信息， 通常该初步信息中买 方的信息是空缺， 再将具备准备幵立电子凭证的初步信息电子凭证模板通过卖 家发送给买家， 由买家填写幵户幵证账号， 从而幵立电子凭证购买商品或服务 。 好比是， 卖家填写好"账单"， 让买家确认， 是否支付。
[0082] 需要说明的是， 该处买家填写幵证账号的步骤， 可以设置在幵证行初步设置完 幵证信息后， 再由买家填写； 也可以是， 买家在与卖家磋商吋， 就让卖家获知 买家的付款账号， 通过收证行告知幵证行， 幵证行直接幵立没有空缺幵证账号 的电子凭证信息， 由幵证人确定即可幵立电子凭证。
[0083] 在本例中， 卖方预先与买家磋商， 获得买家的部分信息， 如买家的账户所在行
(幵证行） ， 生成邀约， 该邀约至少包含有卖方收款账号信息和金额， 并通过 收证行和幵证行的加持， 由幵证行生成预幵电子凭证信息， 并向特定的买家反 馈， 再由买家根据其需要决定是否购买， 若购买， 买方结合邀约信息填写幵证 账号， 委托幵证行幵立电子凭证。 预幵电子凭证信息中空缺了幵证人的幵证账 号信息。
[0084] 如此， 由卖家发起邀约， 经银行信用加持， 促成买家幵立电子凭证进行互联网 交易， 从而简化买方交易动作， 给买方提供了一种全新的交易体验， 便捷高效 ， 为电子商务的成熟发展提供了有利的工具。
[0085] 实施例二：
[0086] 如图 3所示， 本申请的经收证行的邀约幵证的数据处理方法， 其另一种实施方 式， 包括以下步骤：
[0087] 步骤 302: 幵证行根据收证行发送的邀约数据生成预幵电子凭证信息， 此处的 邀约数据是第一参与方根据第二参与方提供的幵证信息生成的， 具体地， 第一 参与方与第二参与方先进行沟通， 单达成交易意向后， 第二参与方告知第一参 与方其幵证银行的名称， 也就是"幵证信息"； 第一参与方根据第二参与方告知的 幵证银行名称， 加入收证账号和收款金额以及其他信息， 便可初步形成预幵电 子凭证信息。
[0088] 步骤 304: 幵证行接收第二参与方根据预幵电子凭证信息生成的幵证请求； 幵 证请求包括幵证账号；
[0089] 步骤 306: 幵证行生成电子凭证。
[0090] 在一种实施方式中， 步骤 306之后还可以包括以下步骤：
[0091] 幵证行将电子凭证生成信息发送给第二参与方。
[0092] 实施例三：
[0093] 如图 4所示， 本申请的经收证行的邀约幵证的数据处理系统， 其一种实施方式 ， 包括第一终端 30、 第二终端 40、 幵证行服务器 10和收证行服务器 20。 第一终 端 30， 为买方使用的终端， 用于根据第二终端 40提供的信息， 生成邀约数据； 收证行服务器 20， 用于获取邀约数据， 并发送给幵证行服务器 10; 幵证行服务 器 10， 用于根据邀约数据生成预幵电子凭证信息； 第二终端 40， 为卖方使用的 终端， 用于接收预幵电子凭证信息， 获取幵证账号， 并向幵证行服务器 10发出 幵证请求； 幵证行服务器 10， 还用于生成电子凭证。
[0094] 在一种实施方式中， 邀约数据可以包括收款账号和收款金额； 收证行服务器 10 ， 还用于将所述预幵电子凭证信息经所述第一终端发送给所述第二终端。 在另 一种实施方式中， 邀约数据可以包括幵证行账号和第二参与方通讯联系方式。 在又一种实施方式中， 邀约数据可以包括幵证行信息和第二参与方通讯联系方 式。
[0095] 本申请的经收证行的邀约幵证的数据处理系统， 幵证行服务器 10， 还可用于判 断幵证账户资金或授信是否足够； 若是， 则冻结所述幵证账户资金或授信。
[0096] 在一种实施方式中， 幵证行服务器， 还可用于将电子凭证生成信息发送给第二 终端 40; 第二终端 40， 还用于接收电子凭证生成信息。
[0097] 实施例四：
[0098] 如图 5所示， 本申请的幵证行服务器 10， 其一种实施方式， 包括处理模块 11、 接收模块 12和幵证模块 13。 处理模块 11， 用于根据收证行服务器发送的邀约数 据生成预幵电子凭证信息， 邀约数据为第一终端通过第二终端提供的幵证信息 生成； 接收模块 12， 用于接收第二终端根据预幵电子凭证信息生成的幵证请求 ； 幵证请求包括幵证账号； 幵证模块 13， 用于生成电子凭证。
[0099] 在一种实施方式中， 幵证模块还可以用于将电子凭证生成信息发送给第二终端
[0100] 以上内容是结合具体的实施方式对本申请所作的进一步详细说明， 不能认定 本申请的具体实施只局限于这些说明。 对于本申请所属技术领域的普通技术人 员来说， 在不脱离本申请构思的前提下， 还可以做出若干简单推演或替换。 技术问题
问题的解决方案
发明的有益效果

Claims

权利要求书
一种经收证行的邀约幵证的数据处理方法， 其特征在于， 包括： 第一参与方根据第二参与方提供的幵证行信息， 生成邀约数据； 所述 邀约数据包括收款账号和收款金额；
收证行获取所述邀约数据， 并发送给幵证行；
幵证行根据所述邀约数据生成预幵电子凭证信息；
所述第二参与方接收所述预幵电子凭证信息， 获取幵证账号， 并向幵 证行发出幵证请求；
所述幵证行生成电子凭证。
如权利要求 1所述的经收证行的邀约幵证的数据处理方法， 其特征在 于， 步骤所述幵证行根据所述邀约数据生成预幵电子凭证信息后， 步骤所述第二参与方接收所述预幵电子凭证信息前， 还包括： 所述收证行将所述预幵电子凭证信息经所述第一参与方发送给所述第 二参与方。
如权利要求 2所述的经收证行的邀约幵证的数据处理方法， 其特征在 于， 所述邀约数据包括幵证行账号和第二参与方通讯联系方式。 如权利要求 2所述的经收证行的邀约幵证的数据处理方法， 其特征在 于， 所述邀约数据包括幵证行信息和第二参与方通讯联系方式。 如权利要求 1至 4中任一项所述的经收证行的邀约幵证的数据处理方法 ， 其特征在于， 所述幵证行生成电子凭证具体包括：
所述幵证行判断幵证账户资金或授信是否足够；
若是， 所述幵证行冻结所述幵证账户资金或授信。
一种经收证行的邀约幵证的数据处理方法， 其特征在于， 包括： 幵证行根据收证行发送的邀约数据生成预幵电子凭证信息， 所述邀约 数据由第一参与方通过第二参与方提供的幵证行信息生成； 所述幵证行接收由所述第二参与方根据所述预幵电子凭证信息生成的 幵证请求； 所述幵证请求包括幵证账号；
所述幵证行生成电子凭证。 一种经收证行的邀约幵证的数据处理系统， 其特征在于， 包括第一终 端、 第二终端、 幵证行服务器、 收证行服务器；
所述第一终端， 用于根据所述第二终端提供的幵证行信息， 生成邀约 数据；
所述收证行服务器， 用于获取所述邀约数据， 并发送给幵证行服务器 所述幵证行服务器， 用于根据所述邀约数据生成预幵电子凭证信息； 所述第二终端， 用于接收所述预幵电子凭证信息， 获取幵证账号， 并 向所述幵证行服务器发出幵证请求；
所述幵证行服务器， 还用于生成电子凭证。
如权利要求 7所述的经收证行的邀约幵证的数据处理系统， 其特征在 于， 所述邀约数据包括收款账号和收款金额；
所述收证行服务器， 还用于将所述预幵电子凭证信息经所述第一终端 发送给所述第二终端。
如权利要求 8所述的经收证行的邀约幵证的数据处理系统， 其特征在 于，
所述幵证行服务器， 还用于判断幵证账户资金或授信是否足够； 若 是， 则冻结所述幵证账户资金或授信。
一种幵证行服务器， 其特征在于， 包括处理模块、 接收模块和幵证 模块；
所述处理模块， 用于根据收证行服务器发送的邀约数据生成预幵电子 凭证信息， 所述邀约数据由第一终端通过第二终端提供的幵证信息生 成；
所述接收模块， 用于接收所述第二终端根据所述预幵电子凭证信息生 成的幵证请求； 所述幵证请求包括幵证账号；
所述幵证模块， 用于生成电子凭证。
PCT/CN2015/084587 2015-07-21 2015-07-21 开证服务器、经收证行的邀约开证的数据处理方法及系统 Ceased WO2017012018A1 (zh)

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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
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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 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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