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Payment method, device and system of electronic certificate

A technology of electronic vouchers and certification parties, which is applied in the payment field of electronic vouchers, can solve the hidden dangers of the seller's account information security, the buyer's wrong input of the seller's account number, and cumbersome transactions, so as to improve security, improve efficiency, and reduce the payment process. Effect

Inactive Publication Date: 2017-05-24
SHENZHEN CIFPAY NETWORK BANK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] In the prior art, people need to record the seller's account information in their electronic payment activities. On the one hand, it brings memory troubles to the buyer's payment, and it is easy to cause the buyer to enter the seller's account number by mistake, resulting in more cumbersome transactions; on the other hand, After the seller leaks its account, it will bring great security risks to the seller's account information, etc.

Method used

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  • Payment method, device and system of electronic certificate
  • Payment method, device and system of electronic certificate
  • Payment method, device and system of electronic certificate

Examples

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Embodiment Construction

[0014] The present invention will be further described in detail below through specific embodiments in conjunction with the accompanying drawings.

[0015] For the convenience of those skilled in the art to understand, the flow of the electronic certificate is further explained with an example:

[0016] After the two parties of the transaction form an order, the issuing party applies to the issuing bank for issuing the L / C. Usually, the issuing party can apply for issuing the L / C when a specific transaction order is formed; it can also apply for issuing the L / C unilaterally when no transaction order is formed.

[0017] After acceptance by the issuing bank, an electronic certificate (such as a bank letter certificate) is issued, and the amount recorded in the electronic certificate is retained in the capital account of the issuing party. Generally, it can be understood as freezing the amount of funds or the amount of credit.

[0018] Please refer to figure 1 , is a schematic...

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Abstract

The invention provides a payment method, device and system of an electronic certificate. The method comprises a step of obtaining certificate collection information for the representation of certificate collection side account information and a collection amount, a step of generating a payment code from the obtained certificate collection information, a step of obtaining an issuing request comprising an issuing side account provided by an issuing side according to the payment code, and a step of generating the electronic certificate according to the obtained issuing request. Since the payment code is generated from the obtained certificate collection information for the representation of the certificate collection side account information and the collection amount, the issuing request of the issuing side is provided according to the payment code, thus the display of the account information of a certificate collection side is avoided, and the safety of the account information of the certificate collection side is improved. The issuing side can provide the issuing request according to the payment code, the payment flow in a transaction process is reduced, and the efficiency of financial data exchange is improved.

Description

technical field [0001] The invention relates to the field of financial data processing, in particular to a payment method, device and system for electronic vouchers. Background technique [0002] With the development of e-commerce, and the development of Internet technology, especially mobile Internet technology, users can connect to the Internet through mobile devices or other smart terminals such as 2G, 3G, 4G or wifi to conduct transactions, social activities, etc., through Internet technology Users can conveniently and effectively carry out online activities. [0003] In the prior art, people need to record the seller's account information in their electronic payment activities. On the one hand, it brings memory troubles to the buyer's payment, and it is easy to cause the buyer to enter the seller's account number by mistake, resulting in more cumbersome transactions; on the other hand, After the seller leaks its account, it will bring great security risks to the seller...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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