WO2017012050A1 - Procédé, appareil et système de réception de certificat - Google Patents

Procédé, appareil et système de réception de certificat Download PDF

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Publication number
WO2017012050A1
WO2017012050A1 PCT/CN2015/084644 CN2015084644W WO2017012050A1 WO 2017012050 A1 WO2017012050 A1 WO 2017012050A1 CN 2015084644 W CN2015084644 W CN 2015084644W WO 2017012050 A1 WO2017012050 A1 WO 2017012050A1
Authority
WO
WIPO (PCT)
Prior art keywords
certificate
receiving
seller
management server
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/CN2015/084644
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 CA2994349A priority Critical patent/CA2994349A1/fr
Priority to PCT/CN2015/084644 priority patent/WO2017012050A1/fr
Publication of WO2017012050A1 publication Critical patent/WO2017012050A1/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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • 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
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights

Definitions

  • the present invention belongs to the field of network payment technologies, and in particular, to a method, device and system for receiving a certificate.
  • An object of embodiments of the present invention is to provide a method, apparatus, and system for receiving a certificate, aiming at solving the problem that a payment by a payer causes a high rate of error payment.
  • the embodiment of the present invention is implemented as follows, and a method for receiving a certificate is used for a second fund management server, and the method includes the following steps:
  • the receiving, by the second fund management server, the electronic voucher includes:
  • the method further includes: [0012] verifying the authenticity of the electronic voucher.
  • the method further includes:
  • the present invention further provides a receiving device for the second fund management server, the device comprising: [0017] a receiving module, configured to receive a receipt request of a certain electronic voucher triggered by the seller, the verification office Seller information;
  • the receiving module includes:
  • an association unit configured to associate the seller end information with the electronic credential
  • the updating unit is configured to update the status of the electronic voucher as a received certificate.
  • the method further includes:
  • a verification module configured to verify the authenticity of the electronic voucher.
  • the device further includes:
  • the sending module is configured to send the received notification to the first fund management server.
  • the present invention also provides a receipt system, the system comprising a seller end and a second fund management server; wherein:
  • the seller end is configured to receive a notification of the buyer's license; and receive the triggered request for receipt, and send the request to the second fund management server.
  • the second fund management server is configured to receive a receipt request of an electronic voucher triggered by the seller, verify the seller information, and receive the electronic voucher after the verification is passed.
  • the second fund management server is further configured to verify the authenticity of the electronic voucher. .
  • the electronic certificate receiving method, device and system according to the embodiment of the present invention are applied to an electronic voucher payment activity, and the seller initiates the receipt, which can realize the selective collection of the seller, and can effectively reduce the transaction between the buyer and the seller. Risk, thereby protecting the interests of both buyers and sellers.
  • FIG. 1 is a flowchart of a method for receiving a certificate according to Embodiment 1 of the present invention
  • FIG. 3 is a structural diagram of a receiving device according to Embodiment 2 of the present invention.
  • FIG. 4 is a structural diagram of a receiving module in a receiving device according to Embodiment 2 of the present invention.
  • FIG. 5 is another structural diagram of a receiving device according to Embodiment 2 of the present invention.
  • FIG. 6 is a structural diagram of a receipt system provided by Embodiment 3 of the present invention.
  • the electronic voucher involved in the present invention means that the witness (the buyer) stands by the bank account fund or the credit line as a guarantee, and the bank (the first fund management server) promises to settle the payment settlement according to the payment condition.
  • the electronic credit promises to pay the voucher.
  • the electronic voucher is mainly for the buyer's product.
  • the seller (the seller) downloads the cashier access interface, the buyer completes the e-voucher certificate, the seller completes the certificate and performs the contract, applies for the settlement, and the bank judges the settlement condition. After the execution of the payment.
  • E-vouchers can be purchased not only with merchandise, but also for mortgage guarantees, such as individuals who can use a letter of credit from a bank as a guarantee for lending to others.
  • the basic business process of the electronic voucher is:
  • the fund management institution freezes the required amount of funds according to the application of the witness, to establish an electronic voucher, and when the agreed settlement condition is reached, the fund management institution will solve the fund. Pay for payment settlement. details as follows:
  • the witness (such as the buyer) applies for a certificate to the securities institution (ie, the fund management institution of the electronic certificate, such as the bank).
  • the securities institution ie, the fund management institution of the electronic certificate, such as the bank.
  • a witness can apply for a certificate after forming a specific transaction order; or if the transaction order is not formed, the witness will voluntarily apply for the certificate.
  • the e-voucher After receiving the certificate, the e-voucher is established and the corresponding amount of funds or credit line is frozen. [0043] 3. The recipient (such as the seller) applies to the collection agency (such as the collection bank) for the receipt.
  • the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period, waits for the delivery of the goods, and signs the goods.
  • the certificate receiving institution After the witnesses sign the goods, that is, the certificate holder completes the transaction conditions corresponding to the electronic certificate according to the payment conditions of the electronic certificate, the certificate receiving institution requests the card issuing institution to apply for payment.
  • the defamation agency removes the freezing of the funds of the witnesses' accounts, transfers the funds to the collection agency, and the collection agency transfers the funds to the recipient's account.
  • the present invention relates to the buyer side (referring to the client who applies for the establishment of the electronic certificate to the bank); the seller side (refers to the client designated by the certificate holder to accept the funds under the electronic certificate);
  • the server (the server of the bank of the bank) accepts the request of the witness and sets up the electronic certificate according to the information provided and confirmed by it;
  • the second fund management server (the server of the bank receiving the bank) accepts the request of the certificate and provides and The confirmed information receives the electronic voucher.
  • a method for receiving a certificate according to Embodiment 1 of the present invention includes the following steps:
  • the second fund management server receives the receipt request of a certain electronic voucher triggered by the seller, and verifies the seller side information, where the seller information includes the identity information and the account information.
  • the second fund management server receives the electronic certificate.
  • the second fund management server receives the electronic voucher, and the seller finally provides the receiving bank with the receiving account or identity, and informs the second fund management server of the electronic voucher information corresponding to the receiving account or the identity, and the second fund management server verifies
  • the electronic voucher is registered with the account or identity of the recipient corresponding to the seller, the associated seller and the electronic voucher are updated, and the second fund management server updates the status of the electronic voucher to the process of receiving the certificate.
  • the first embodiment of the present invention further includes:
  • step S2 the method further includes the steps of:
  • the second fund management server verifies the authenticity of the electronic voucher.
  • the second money management server sends an authentication request to the first fund management server; or, the second money management server verifies the electronic signature of the electronic certificate.
  • step S2 after the second fund management server receives the certificate, the electronic certificate enters the performance period, and the certificate holder performs the performance (for example, the merchant sends the product).
  • the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period (waiting for the delivery of the goods, signing the goods).
  • the witnesses sign the goods that is, the certificate holder completes the trading conditions of the buyer's side of the electronic voucher according to the conditions for the payment of the electronic voucher
  • the second fund management server of the bank is required to apply for the solution to the first fund management server of the bank. pay.
  • the first fund management server releases the freeze on the witness account funds, transfers the funds to the second fund management server, and the second fund management server transfers the funds to the recipient account. Since the electronic voucher can be used to transfer funds, in practice, the performance and receipt can be omitted.
  • Embodiment 2 of the present invention provides a device for receiving a certificate.
  • the device package of the second embodiment of the present invention Includes:
  • the receiving module 10 is configured to receive a receipt request of a certain electronic voucher triggered by the seller, and verify the seller information, where the seller information includes identity information and account information;
  • the certificate receiving module 20 is configured to receive the electronic certificate after the verification is passed.
  • the certificate receiving module 20 includes:
  • the association unit 21 is configured to associate the seller end with the electronic credential
  • the updating unit 22 sets the state of updating the electronic voucher to the received certificate.
  • the apparatus of the second embodiment of the present invention may further include:
  • the verification module 30 is configured to verify the authenticity of the electronic voucher.
  • a generating module 40 configured to generate a received notification
  • the sending module 50 is configured to send the received notification to the first fund management server.
  • the working principle of the device in the second embodiment of the present invention is:
  • the seller terminal 10 first receives the notification from the buyer. After the buyer and the seller form an order, or if a transaction order has not been formed, the witness will apply for a certificate from the bank through the buyer. After the bank accepts the certificate, the bank will hold the electronic certificate and freeze the corresponding amount of funds or credit line. The notice is sent to the seller. Then, the seller receives the manually triggered receipt request and sends it to the second fund management server, indicating that the recipient applies for the receipt to the collection bank, that is, the recipient manually initiates the payment.
  • the receiving module 10 After receiving the receipt request, the receiving module 10 verifies the seller side information.
  • the certificate receiving module 20 receives the electronic certificate
  • the generating module 40 generates the received certificate notification
  • the sending module 50 sends the received notification to the first fund management server, so that the first fund management server is based on the received certificate.
  • the notice transfers the funds of the buyer to the second fund management server.
  • the verification module 30 may send an verification request to the first fund management server; or, verifying the authenticity of the electronic signature of the electronic voucher to verify the authenticity of the electronic voucher may further improve the security of the electronic voucher.
  • the receiving module 20 receives the electronic voucher, and the seller terminal provides the receiving account or the identity to the issuing bank, and informs the second fund management server of the electronic voucher information corresponding to the receiving account or the identity, and the receiving module 10
  • the association unit 21 registers the electronic voucher with the account or identity of the recipient corresponding to the seller
  • the update unit 22 updates the state of the electronic voucher to the process of the certificate.
  • the electronic certificate After the receipt module 20 receives the certificate, the electronic certificate enters the performance period, and the certificate holder performs the performance (such as the merchant sender). Product). After the certificateee performs the contract, the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period (waiting for the delivery of the goods, signing the goods). After the witnesses sign the goods, that is, the certificate holder completes the trading conditions of the buyer's side of the electronic voucher according to the conditions for the payment of the electronic voucher, the second fund management server of the bank is required to apply for the solution to the first fund management server of the bank. pay.
  • the device for initiating the receipt of the electronic voucher proposed by the second embodiment of the present invention is applied to the electronic voucher payment activity, and the payment process is initiated by the seller side of the recipient side, and the receipt is manually triggered, which can effectively reduce the transaction.
  • the trading risks of both parties will protect the interests of both buyers and sellers.
  • a second embodiment of the present invention provides a system for receiving a certificate, including a second fund management server 200 and a vendor 400;
  • the seller side 400 is configured to receive the receipt notification of the buyer; and receive the triggered collection request and send it to the second fund management server 200.
  • the second money management server 200 is configured to receive a receipt request of an electronic voucher triggered by the seller 400, verify the seller information, and receive the electronic voucher after the verification is passed.
  • the second money management server 200 is further configured to verify the authenticity of the electronic voucher.
  • the electronic voucher receiving system proposed in the third embodiment of the present invention is applied to an electronic voucher payment activity, and the seller side initiates a payment process by the seller side, and manually triggers the receipt, which can effectively reduce the transaction risk of the buyer and the seller. To protect the interests of both buyers and sellers.
  • the electronic certificate receiving method, device and system according to the embodiment of the present invention are applied to an electronic voucher payment activity, and the seller initiates the receipt, which can realize the selective collection of the seller, and can effectively reduce the transaction between the buyer and the seller. Risk, thereby protecting the interests of both buyers and sellers. Therefore, it has industrial applicability.

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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)

Abstract

La présente invention se rapporte au domaine technique des paiements dans un réseau. La présente invention concerne un procédé, un appareil et un système de réception de certificat. Le procédé comprend les étapes suivantes : réception d'une demande de réception de certificat déclenchée par un côté vendeur pour un certificat électronique, et authentification de l'identité du côté vendeur ; et après que l'authentification a réussi, réception du certificat électronique. Le procédé, l'appareil et le système selon la présente invention peuvent réduire le taux d'erreur des paiements dans un réseau.
PCT/CN2015/084644 2015-07-21 2015-07-21 Procédé, appareil et système de réception de certificat Ceased WO2017012050A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2994349A CA2994349A1 (fr) 2015-07-21 2015-07-21 Procede, appareil et systeme de reception de certificat
PCT/CN2015/084644 WO2017012050A1 (fr) 2015-07-21 2015-07-21 Procédé, appareil et système de réception de certificat

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084644 WO2017012050A1 (fr) 2015-07-21 2015-07-21 Procédé, appareil et système de réception de certificat

Publications (1)

Publication Number Publication Date
WO2017012050A1 true WO2017012050A1 (fr) 2017-01-26

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ID=57833681

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2015/084644 Ceased WO2017012050A1 (fr) 2015-07-21 2015-07-21 Procédé, appareil et système de réception de certificat

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CA (1) CA2994349A1 (fr)
WO (1) WO2017012050A1 (fr)

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1351738A (zh) * 1999-05-03 2002-05-29 美国大通银行 利用电子资金传送网络处理互联网付款的方法和系统
CN1454364A (zh) * 2000-06-22 2003-11-05 Jp莫根大通银行 处理因特网支付的方法与系统

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1351738A (zh) * 1999-05-03 2002-05-29 美国大通银行 利用电子资金传送网络处理互联网付款的方法和系统
CN1454364A (zh) * 2000-06-22 2003-11-05 Jp莫根大通银行 处理因特网支付的方法与系统

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Publication number Publication date
CA2994349A1 (fr) 2017-01-26

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