WO2017012020A1 - Procédé de traitement de données, serveur et appareil associé d'émission périodique de certificats électroniques - Google Patents

Procédé de traitement de données, serveur et appareil associé d'émission périodique de certificats électroniques Download PDF

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Publication number
WO2017012020A1
WO2017012020A1 PCT/CN2015/084589 CN2015084589W WO2017012020A1 WO 2017012020 A1 WO2017012020 A1 WO 2017012020A1 CN 2015084589 W CN2015084589 W CN 2015084589W WO 2017012020 A1 WO2017012020 A1 WO 2017012020A1
Authority
WO
WIPO (PCT)
Prior art keywords
terminal
electronic voucher
certificate
setting
request message
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/CN2015/084589
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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 PCT/CN2015/084589 priority Critical patent/WO2017012020A1/fr
Priority to CA2993255A priority patent/CA2993255A1/fr
Publication of WO2017012020A1 publication Critical patent/WO2017012020A1/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

Definitions

  • the present application relates to the field of electronic commerce, and in particular, to a data processing method, a server, and an apparatus thereof for periodically setting an electronic voucher.
  • E-commerce as a new type of transaction, brings manufacturing companies, distribution companies, and consumers and governments into a new world of network economy and digital survival.
  • E-commerce uses a network platform to connect all parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), and reduces transactions by networking, e-distributing, and informatizing the entire transaction process. The cost and the efficiency of the transaction.
  • the present application provides a data processing method, a server, and a device thereof for periodically setting an electronic voucher, which can set an electronic voucher according to a fixed frequency, save payment time, and optimize user life.
  • a data processing method for periodically setting an electronic voucher includes: receiving, by a bank server, a request message for setting up an electronic voucher sent by a verification terminal according to a preset frequency; Verifying, by the server, whether the request message for setting the electronic voucher meets the request for confirmation of the certificate, and if so, freezing the funds in the account specified by the terminal or using the credit amount of the account designated by the terminal; Generate an electronic voucher.
  • the server provided by the present application includes: a receiving unit, configured to: Receiving, by the determining terminal, a request message for setting an electronic voucher according to a preset frequency; a determining unit, configured to verify whether the request message for the electronic voucher received by the receiving unit meets a request for a certificate; the voucher generating unit, And configured to: in the determination unit, the result of the determination is ⁇ , to freeze the funds in the account specified by the certificate terminal or to use the credit line of the account specified by the certificate terminal to generate an electronic voucher.
  • an apparatus for periodically setting an electronic voucher includes: a processor, and an input unit, an output unit, and a memory connected to the processor; And a request message for receiving the electronic voucher sent by the verification terminal according to the preset frequency; the processor is configured to verify whether the request message for setting the electronic voucher meets the request for confirmation, and if so, the certificate is frozen
  • the electronic certificate is generated by the funds in the account designated by the terminal or by the credit line of the account specified by the terminal.
  • the data processing method, the server and the device for periodically setting the electronic voucher provided by the present application receive the request message for setting the electronic voucher sent by the witness terminal according to the preset frequency, and verify whether the request message for setting the electronic voucher is Compliance with the requirements of the certificate, if it is, the funds in the account specified by the terminal are frozen or the credit line in the designated account of the terminal is used to generate the electronic certificate.
  • the witness can set up an electronic voucher to pay at a fixed frequency, saving the operation time of the fixed credit payment, optimizing the user's life, and helping the user to raise Become a habit of saving regularly.
  • Embodiment 1 is a flowchart of a method according to Embodiment 1 of the present invention.
  • FIG. 3 is a schematic structural diagram of a server of a certificate server according to a third embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of another authentication server according to Embodiment 3 of the present invention.
  • FIG. 5 is a schematic structural diagram of a device according to Embodiment 4 of the present invention.
  • a data processing method and a device for periodically setting an electronic voucher are provided, and an electronic voucher can be set according to a fixed frequency, thereby saving payment time and optimizing user life.
  • the electronic voucher described in the present solution that is, the electronic credit commitment voucher that the bank promises to pay the funds according to the agreed conditions, means that the bank stands up according to the application of the witnesses to freeze the required amount of funds or use the credit line. And promised to pay the electronic credit commitment vouchers for payment settlement in accordance with the agreed settlement conditions.
  • 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 witness, and the electronic certificate is issued, and the certificate is issued by the certificate 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.
  • FIG. 1 is a flowchart of a data processing method for periodically setting an electronic voucher according to an embodiment of the present invention.
  • a data processing method for periodically setting an electronic voucher may include the following steps:
  • a witness is a demander, that is, a buyer, a recipient, that is, a seller.
  • the following refers to the server used by the bank that the witness is entrusted to collect the electronic voucher.
  • the terminal refers to the terminal device used by the witness to initiate the electronic voucher.
  • the server of the bank receives a request message for setting up an electronic voucher sent by the terminal according to a preset frequency.
  • step 102 The server of the verification bank verifies whether the request message of the electronic voucher meets the requirements of the certificate, and if yes, step 103 is performed.
  • verifying whether the request message for setting the electronic voucher meets the requirements for the certificate comprises: verifying whether the witness meets the requirements of the certificate and verifying whether the amount of available funds of the certificate account designated by the terminal is greater than or equal to the payment amount, The amount of funds available includes: account balance and credit line.
  • verifying whether the witness is in compliance with the requirements includes:
  • step 102' the feedback verification fails the message to the terminal.
  • the witness can know that the request for the certificate has not passed through the witness terminal.
  • the embodiment of the present application preferably further includes the following steps: 103: The server sends the server to the terminal Proof A confirmation message, the confirmation message includes: A request message for entering a transaction password.
  • the buyer user receives a message requesting to input a transaction password through the witness terminal, and when the buyer inputs the correct password, the bank certificate server generates the electronic certificate.
  • the safety of the transaction can be improved by reconfirming the evidence.
  • the data processing method for periodically setting an electronic voucher receives a request message for setting up an electronic voucher sent by the verification terminal according to a preset frequency, and verifies whether the request message for setting the electronic voucher meets the requirements of the e-voucher. If yes, the funds in the account specified by the terminal are frozen or the credit line in the designated account of the terminal is used to generate an electronic voucher.
  • the witness can set up an electronic voucher to pay at a fixed frequency, saving the operation time of the fixed credit payment, optimizing the user's life, and helping the user to raise Become a habit of saving regularly.
  • Embodiment 2 is a diagrammatic representation of Embodiment 1
  • S1 The witness (buyer) user sets a fixed frequency of the certificate, such as once a month.
  • S2 The buyer sends a request message for setting up an electronic voucher to the bank in accordance with the frequency preset in S1.
  • S3 The bank receives a request message for setting up an electronic voucher sent by the witness according to a preset frequency.
  • step S4 verifying whether the witness meets the requirements of the certificate, and if yes, executing step S5, and if not, performing the step
  • the following three aspects may be verified: verifying whether the witness has a door-to-door information at the bank, and verifying whether the witness has performed real-name authentication; and verifying whether the witness's credit record is good.
  • step S5 Verify whether the amount of available funds of the witness account designated by the witness is greater than or equal to the payment amount. If yes, go to step S6, otherwise, go to step S4'.
  • the available funds amount includes: account balance and credit limit. If it is greater than or equal to the payment amount, it means that the account balance or credit limit of the witness account designated by the witness is sufficient. It can be understood that, in judging whether the witness has sufficient account balance or credit line, it is not necessarily the comparison of the account information of the witness, and the account of the other party may be compared with the current transaction amount by calling another person's account. As long as the account specified by the witness is available. That is, the user can use his own funds to make a payment, and can also find someone else to pay for it. This application does not limit this.
  • S6 freezing the funds in the account of the witness, and generating an electronic certificate.
  • S7 Send the information generating the electronic voucher to the witness.
  • FIG. 3 is a schematic structural diagram of a server of a certificate server according to an embodiment of the present invention.
  • the server of the bank is generally used to handle the business of the bank.
  • the bank and the terminal of the card cooperate with each other to complete the requirement for the user to set up the electronic certificate on a regular basis.
  • a server server includes:
  • the receiving unit 30 is configured to receive a request message for setting the electronic voucher sent by the verification terminal according to a preset frequency.
  • the preset frequency may be, for example, once a week, once a month, or the like.
  • the witnesses can pre-register the frequency of the cards on the terminal according to their own needs.
  • the terminal terminal periodically sends a request message for setting up the electronic voucher to the server of the bank according to the preset frequency.
  • the determining unit 31 is configured to verify whether the request message for the electronic voucher received by the receiving unit 30 meets the request for authentication.
  • the server of the bank After receiving the request message, the server of the bank must first verify whether the request message of the current electronic voucher meets the requirements of the certificate, and after determining that the request is met, the corresponding electronic certificate can be retrieved. When it is judged that the requirements are not met, the feedback does not pass the message to the terminal, and the witness can obtain the result of the certificate from the terminal and then perform the corresponding operation.
  • the voucher generating unit 32 is configured to: after the determining unit 31 determines that the result is ⁇ , freeze the certificate terminal designation An electronic voucher is generated by the funds in the account or by the credit line of the account specified by the terminal.
  • the determining unit 31 is specifically configured to:
  • the server of the present invention may further include: a feedback unit 33, configured to determine, in the determining unit 31, that the result is negative, and the feedback verification fails the message to the terminal.
  • the device of the embodiment of the present invention further includes:
  • the confirmation unit 34 is configured to send a confirmation message to the certificate terminal before the certificate generation unit 32 generates the electronic certificate, where the confirmation message includes: a request message for inputting a transaction password.
  • the application further provides an apparatus for periodically setting an electronic voucher, including:
  • the processor 40 and an input unit 41, an output unit 42, and a memory 43 connected to the processor 40.
  • the output unit 42 may transmit the final generated electronic voucher to the bank server. It can be understood that the storage unit 43 stores various parameters used in the apparatus of the embodiment. For example, after the processor 40 is processing the last request message, the storage unit 43 stores the current request message.
  • the input unit 41 is configured to receive a request message for setting the electronic voucher sent by the verification terminal according to a preset frequency.
  • the processor 40 is configured to verify whether the request message for setting the electronic voucher meets the request for authentication, and if so, freeze the funds in the account specified by the certificate terminal or use the account specified by the terminal The credit line, generating an electronic voucher.
  • the processor 40 is further configured to: verify whether the request message for setting the electronic voucher meets the request for confirmation, and if not, feed back the verification failure message to the authentication terminal.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (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 procédé de traitement de données, un serveur et un appareil associé d'émission périodique de certificats électroniques, le procédé consistant à : recevoir un message de demande d'émission d'un certificat électronique envoyé par un terminal d'émission de certificat conformément à une fréquence prédéfinie (101) ; vérifier que le message de demande d'émission d'un certificat électronique satisfait à des exigences d'émission de certificat (102) ; si tel est le cas, geler de l'argent sur un compte spécifié par le terminal d'émission de certificat ou liquider une valeur de crédit du compte spécifié par le terminal d'émission de certificat, et générer un certificat électronique (103). La partie d'émission de certificat, au moyen d'un paramétrage préalable d'une fréquence fixe pour l'émission de chaque certificat, peut émettre un certificat électronique conformément à la fréquence prédéfinie pour exécuter un paiement, ce qui permet d'économiser le temps de mise en œuvre de paiement de charges fixes, d'optimiser la vie de l'utilisateur, et d'aider l'utilisateur à développer l'habitude d'épargnes régulières.
PCT/CN2015/084589 2015-07-21 2015-07-21 Procédé de traitement de données, serveur et appareil associé d'émission périodique de certificats électroniques Ceased WO2017012020A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/CN2015/084589 WO2017012020A1 (fr) 2015-07-21 2015-07-21 Procédé de traitement de données, serveur et appareil associé d'émission périodique de certificats électroniques
CA2993255A CA2993255A1 (fr) 2015-07-21 2015-07-21 Procede de traitement de donnees, serveur et appareil associe d'emission periodique de certificats electroniques

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084589 WO2017012020A1 (fr) 2015-07-21 2015-07-21 Procédé de traitement de données, serveur et appareil associé d'émission périodique de certificats électroniques

Publications (1)

Publication Number Publication Date
WO2017012020A1 true WO2017012020A1 (fr) 2017-01-26

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PCT/CN2015/084589 Ceased WO2017012020A1 (fr) 2015-07-21 2015-07-21 Procédé de traitement de données, serveur et appareil associé d'émission périodique de certificats électroniques

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CA (1) CA2993255A1 (fr)
WO (1) WO2017012020A1 (fr)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1996372A (zh) * 2006-12-31 2007-07-11 中国工商银行股份有限公司 一种实现代理申购金融产品的系统及方法
CN101322150A (zh) * 2005-10-07 2008-12-10 维萨美国股份有限公司 使用账单支付提醒的方法及系统
CN101853459A (zh) * 2010-05-17 2010-10-06 成都中联信通科技有限公司 基于手机支付的缴费方法
US20130041816A1 (en) * 2011-08-09 2013-02-14 Peter C. DiGiulio Payment systems and methods for accelerating debt payoff and reducing interest expense
CN103577925A (zh) * 2013-07-26 2014-02-12 江苏辉源供应链管理有限公司 物流智能结算系统

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101322150A (zh) * 2005-10-07 2008-12-10 维萨美国股份有限公司 使用账单支付提醒的方法及系统
CN1996372A (zh) * 2006-12-31 2007-07-11 中国工商银行股份有限公司 一种实现代理申购金融产品的系统及方法
CN101853459A (zh) * 2010-05-17 2010-10-06 成都中联信通科技有限公司 基于手机支付的缴费方法
US20130041816A1 (en) * 2011-08-09 2013-02-14 Peter C. DiGiulio Payment systems and methods for accelerating debt payoff and reducing interest expense
CN103577925A (zh) * 2013-07-26 2014-02-12 江苏辉源供应链管理有限公司 物流智能结算系统

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