WO2017012025A1 - Procédé et système de définition d'une limitation de temps de réception de certificat pour un certificat électronique - Google Patents

Procédé et système de définition d'une limitation de temps de réception de certificat pour un certificat électronique Download PDF

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Publication number
WO2017012025A1
WO2017012025A1 PCT/CN2015/084594 CN2015084594W WO2017012025A1 WO 2017012025 A1 WO2017012025 A1 WO 2017012025A1 CN 2015084594 W CN2015084594 W CN 2015084594W WO 2017012025 A1 WO2017012025 A1 WO 2017012025A1
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WO
WIPO (PCT)
Prior art keywords
certificate
information
receipt
setting
electronic
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/CN2015/084594
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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 CA2993259A priority Critical patent/CA2993259C/fr
Priority to PCT/CN2015/084594 priority patent/WO2017012025A1/fr
Publication of WO2017012025A1 publication Critical patent/WO2017012025A1/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 invention relates to the field of electronic commerce, and particularly relates to a method and system for setting an electronic voucher receipt effect [0002]
  • E-commerce uses the Internet platform to connect the participating parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, and reduce the cost of transactions by networking, electronically and informatizing the entire transaction process. Improve transaction efficiency.
  • the present invention provides a method for setting an electronic voucher receipt effect, including
  • the client sends the electronic voucher request information and the certificate setting information
  • the server receives the electronic certificate request information and the certificate setting information sent by the client;
  • the server judges whether the setting of the receipt is correct, and if it is correct, the electronic certificate is set according to the setting information of the receipt.
  • the present invention further provides a setting system for validating an electronic voucher receipt, comprising:
  • a data requesting end configured to send the certificate request information and the receipt validity setting information
  • the data processing end is configured to receive the certificate request information and the receipt validity setting information, and set up the electronic certificate according to the certificate request information and the receipt effect setting information.
  • the setting system of the electronic voucher receipt effect wherein the data processing end comprises:
  • the receiving module is configured to receive the verification request information and the receipt validity setting information, and receive the confirmation receipt information fed back by the receipt end after the electronic certificate is established;
  • the execution module according to the receipt validity setting information, establishes an electronic voucher.
  • the setting system of the electronic voucher receipt effect further includes:
  • a determining module configured to determine whether the setting information of the receiving certificate is correct
  • the cancellation module is configured to: when the receiving module does not receive the receipt information within the expiration date of the electronic voucher receipt period, determine that the electronic voucher is invalid, and release the fund freezing state.
  • the present invention further provides a method for setting an electronic voucher receipt effect, including:
  • the first server receives the pre-certification information that is sent by the first terminal and includes the request information and the receipt setting information;
  • the first server determines whether the receipt validity setting information is correct, and if yes, generates an electronic voucher corresponding to the receipt validity according to the pre-certification information.
  • the method for setting the validity of the electronic voucher receipt further includes a second terminal and a second server;
  • the pre-certification information is sent by the second terminal to the first server via the second server, and then sent by the first server to the first terminal for confirmation, and after the first terminal confirms, the pre-certification request information is sent to the first A server.
  • the beneficial effect of the present invention is that by setting the effect of the receipt of the bank credit certificate, it provides effective regulation for the circulation of funds, and the mutual benefit of both parties in the circulation of funds is facilitated by the peers who protect the interests of both parties.
  • Silver The use of letters of credit is more flexible and enriches the application of financial payment instruments.
  • FIG. 1 is a flowchart of an embodiment of a method for setting an electronic voucher receipt effect according to the present invention
  • FIG. 2 is a schematic block diagram of an embodiment of a system for setting an electronic voucher receipt effect according to the present invention
  • FIG. 3 is a flow chart of another embodiment of a method for setting an electronic voucher receipt effect according to the present invention.
  • the electronic voucher refers to an electronic credit commitment payment voucher that the bank freezes the funds or uses the credit line according to the application of the witness and commits in the name of the bank, and promises to settle according to the agreed conditions.
  • the period of receipt of the certificate is the time limit for the applicant to apply for the receipt of the certificate. If the certificate is not received within the time limit, the electronic certificate will be invalid.
  • Embodiment 1 is a diagrammatic representation of Embodiment 1:
  • this embodiment is applied in the process of e-vouching of the electronic voucher, and is applied to the prosecution period.
  • the method for setting the validity of the electronic voucher receipt provided by the invention includes the steps of:
  • the witness sends a certificate request information and a certificate setting information to the back-end server of the bank through the client.
  • the client is an electronic voucher originating terminal, and the client can be a mobile terminal, or a PC connected to the Internet such as a computer, or a teller machine of the bank.
  • the request information includes the identity information of the witness and the payment account information. It may also include information specifying the recipient, such as the name of the recipient, mobile phone, email address
  • ID card ID card
  • micro-signal QQ number and other information that can correspond to the recipient, the recipient's account number (deposit account number), etc., through the information of the recipient, it is convenient for the recipient and the e-voucher to receive.
  • the customer may also not specify the recipient information, so that anyone who obtains the electronic voucher information can receive the electronic voucher.
  • the user can log in to the website of the bank or download the corresponding APP through the client, and send the request information to the backend server of the bank.
  • the electronic voucher information further includes the receipt information, and the receipt information is used by the certificate holder to receive the certificate through the receipt information.
  • the receipt information may not be set, so that anyone can.
  • the information collection setting information is that the receiving party has set up the corresponding performance information to the server within the time limit of the certificate receiving validity, and the electronic certificate is completed. If the validity period of the certificate is within the validity period, the server will not receive it. When the performance information is obtained, it is determined that the electronic certificate is invalid.
  • the modified form of the electronic voucher receipt can be divided into two types: an absolute validity period and a relative validity period, and the absolute validity period refers to an expiration date of the e-vouching expiration date.
  • the expiration date of the e-Certificate period is a certain year/some Month/some day.
  • the relative validity period means that the electronic certificate receipt is valid within one day after the levy. For example, if the validity period of the certificate is within 15 days from the date of the levy, the recipient will send the receipt within 15 days after the levy. If the certificate is not received according to the regulations on the 15th day after the certificate is exceeded, the electronic certificate will be invalid.
  • the server receives the electronic credential request information and the pass validity setting information sent by the client.
  • the server is a background server of the bank.
  • the server reads the receipt validity setting information, and determines whether the expiration date of the receipt effect is after the certificate, and if after the date of the certificate, the confirmation setting information is correct, and the entry is made.
  • step S4 if the setting of the receiving certificate is incorrect, the process returns to step S1, and the client resets the receiving effect.
  • this step may further include:
  • determining whether the request information is correct firstly, the server verifies whether the applicant is authentic and valid, that is, whether the real-name authentication is performed; secondly, determining whether the applicant has a bad credit record. If the applicant is not true and valid, that is, it is not a real-name system, or the applicant has a bad credit record, the request information is incorrect, the verification failure message is sent and the client is prompted to reset; If the applicant is a real-name system and the applicant has no bad credit record, the request information is correct, and the process proceeds to step S3.
  • the server end freezes the information corresponding to the funds or the credit information of the payment account according to the request information and the payment account submitted by the client, and establishes an electronic certificate, and the electronic certificate is in the witness, the certificate, the bank, and the certificate.
  • the line will take effect.
  • the payment account may be a debit card or a credit card.
  • the embodiment further provides a system for setting an effective setting of an electronic voucher, as shown in FIG. 2, including:
  • the data requesting end 10 is configured to send the certificate request information and the receipt validity setting information
  • the data processing end 20 is configured to receive the verification request information and the receipt validity setting information, and set up the electronic voucher according to the certification request information and the receipt validity setting information.
  • the data processing terminal 20 further includes:
  • the receiving module 21 is configured to receive the verification request information and the receipt validity setting information, and receive the confirmation receipt information fed back by the receipt end after the electronic certificate is established.
  • the signature request information includes the identity information of the witness and the payment account information; the certificate request information further includes preset receipt information, and the receipt information is used to verify the identity of the recipient.
  • the executing module 23 is configured to establish an electronic voucher according to the receipt setting information.
  • the data processing terminal 20 further includes:
  • the determining module 22 is configured to determine whether the receipt information is correct.
  • the determining module 22 is further configured to determine whether the request information is correct.
  • the logout module 24 is configured to determine that the electronic certificate fails when the data processing terminal 20 does not receive the receipt information within the validity period of the receipt.
  • the present invention also provides another method for setting the validity of the electronic voucher receipt
  • the method includes:
  • the first server receives the receipt request information sent by the second server.
  • the first server receives the receipt request information sent by the first terminal, where the receipt request information is sent by the second terminal to the second server, and then sent by the second server to the first server.
  • the first terminal is the originating end of the electronic voucher
  • the second terminal is the electronic voucher receiving end
  • the first server is the electronic voucher issuing bank back-end server
  • the second server is the electronic voucher receiving bank back-end server.
  • the electronic certificate recipient actively sends an electronic voucher receiving request information to the bank back-end server designated by the electronic voucher, that is, actively sends the receiving request information to the second server.
  • the second server receives the receipt request information and sends it to the first server.
  • the receipt request information includes the certificate request information and the receipt effect setting information.
  • the request information includes the identity information of the witness and the corresponding payment account, and the identity information of the recipient.
  • the setting effect information of the receiving certificate is a time limit for the receiving party to collect the electronic voucher, and the receiving party sends the corresponding receiving information to the server within the time limit of the validity of the receiving certificate. Then the electronic voucher completes the receipt and enters the next phase of the performance period. If the server does not receive the receipt information within the validity period of the certificate collection, it determines that the electronic certificate is invalid.
  • the first server After receiving the receipt request information, the first server generates corresponding pre-certification verification information and sends the information to the first terminal.
  • the first server After receiving the receipt request information, the first server reads the certificate request information and the receipt validity setting information, and generates pre-certification verification information. The first server sends the pre-certification verification information to the first terminal.
  • the first terminal After receiving the pre-certification verification information, the first terminal reads the certificate request information and the receipt effect information for confirmation, and generates the pre-certification information by the confirmed pre-certification verification information, and sends the information. Pre-certify information to the first server.
  • the first terminal may further modify the certificate request information or the certificate validity information in the pre-certification verification information, and send the modified pre-certification information to the first server.
  • the first server receives the pre-certification information sent by the first terminal.
  • the first server determines whether the receipt validity setting information is correct.
  • step S40 determining whether the setting effect information of the receiving certificate is correct is mainly determined according to the setting range of the electronic certificate receiving effect set by the first server, and if the receiving effect is in the setting If it is determined that the receipt is valid, the process proceeds to step S40. If the repair certificate is not within the set range, it is determined that the receipt is invalid, and the process returns to step S10 and is reset by the second terminal. For example, if the validity period of the collection period is not more than one month, if the validity period of the collection period is within one month, the validity of the collection will be correct, and vice versa; After the date of the certificate, if the certificate is issued after the date of the certificate, the certificate will be set correctly.
  • the first server generates a corresponding electronic voucher according to the certificate validity setting information.
  • the first server freezes the funds or the credit information corresponding to the payment account according to the request information in the pre-certification information, and sets up the electronic voucher according to the certificate setting information, where the electronic voucher is in the witness Receiving It will take effect between the person and the bank and the issuing bank.
  • the payment account may be a debit card or a credit card.
  • This embodiment differs from the first embodiment in that, in this embodiment, the electronic voucher is initiated by the second terminal, and is initiated by the certificate receiving party, and sent to the first server by the second server, that is, the certificate is received.
  • the line is sent to the bank, and then the first terminal confirms the request information, that is, the witness confirms, and then the first server sets the electronic certificate according to the certificate setting information.
  • the beneficial effect of the invention is that by setting the effectiveness of the receipt of the bank credit certificate, it provides effective regulation for the circulation of funds, and the reasonable balance between the two parties in the circulation of funds is facilitated by the peers who protect the interests of both parties.
  • the use of silver letters is more flexible and enriches the application of financial payment instruments.

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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)

Abstract

L'invention concerne un procédé et un système de définition d'une limitation de temps de réception de certificat pour un certificat électronique. Selon le procédé de définition d'une limitation de temps de réception de certificat pour un certificat électronique : un client transmet des informations de demande d'émission de certificat électronique et des informations de définition de limitation de temps de réception de certificat (S1) ; une extrémité de service reçoit les informations de demande d'émission de certificat électronique et les informations de définition de limitation de temps de réception de certificat transmises par le client (S2) ; l'extrémité de service détermine si une définition de limitation de temps de réception de certificat est correcte (S3) ; et, si tel est le cas, un certificat électronique est émis sur la base des informations de définition de limitation de temps de réception de certificat (S4). Grâce à la définition d'une limitation de temps de réception de certificat pour le certificat électronique, un mouvement de capitaux est doté d'une règle de limitation de temps, le bon déroulement du mouvement de capitaux est facilité pour deux parties tandis que leurs intérêts sont préservés, et un destinataire de certificat électronique est encouragé à exécuter un contrat à temps, ce qui permet d'augmenter le degré de flexibilité de l'utilisation de certificats électroniques et d'enrichir l'application d'instruments financiers de paiement.
PCT/CN2015/084594 2015-07-21 2015-07-21 Procédé et système de définition d'une limitation de temps de réception de certificat pour un certificat électronique Ceased WO2017012025A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2993259A CA2993259C (fr) 2015-07-21 2015-07-21 Procede et systeme de definition d'une limitation de temps de reception de certificat pour un certificat electronique
PCT/CN2015/084594 WO2017012025A1 (fr) 2015-07-21 2015-07-21 Procédé et système de définition d'une limitation de temps de réception de certificat pour un certificat électronique

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084594 WO2017012025A1 (fr) 2015-07-21 2015-07-21 Procédé et système de définition d'une limitation de temps de réception de certificat pour un certificat électronique

Publications (1)

Publication Number Publication Date
WO2017012025A1 true WO2017012025A1 (fr) 2017-01-26

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PCT/CN2015/084594 Ceased WO2017012025A1 (fr) 2015-07-21 2015-07-21 Procédé et système de définition d'une limitation de temps de réception de certificat pour un certificat électronique

Country Status (2)

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CA (1) CA2993259C (fr)
WO (1) WO2017012025A1 (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101271561A (zh) * 2008-05-16 2008-09-24 腾讯科技（深圳）有限公司 电子商务交易系统及方法
CN101833733A (zh) * 2010-02-22 2010-09-15 中国农业银行股份有限公司深圳市分行 一种电子转账支票系统及其支付结算方法
CN102365650A (zh) * 2009-02-03 2012-02-29 史蒂芬·亚历山大·莫里斯 一种安全的电子金融资金转账系统
CN103827902A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种网络支付的方法及系统

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101271561A (zh) * 2008-05-16 2008-09-24 腾讯科技（深圳）有限公司 电子商务交易系统及方法
CN102365650A (zh) * 2009-02-03 2012-02-29 史蒂芬·亚历山大·莫里斯 一种安全的电子金融资金转账系统
CN101833733A (zh) * 2010-02-22 2010-09-15 中国农业银行股份有限公司深圳市分行 一种电子转账支票系统及其支付结算方法
CN103827902A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种网络支付的方法及系统

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CA2993259A1 (fr) 2017-01-26
CA2993259C (fr) 2023-05-16

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