CA2993108C - Method, device and system for opening electronic certificate - Google Patents

Abstract

A method, device and system for opening an electronic certificate, the method comprising the steps of: starting to open an electronic certificate according to an issuing request sent by an issuing end and first payer information sent by a first payment end (S11); within an issuing process, receiving a payer alteration request sent by the issuing end or the first payment end, and upon agreeing to alter a payer, feeding back payer alteration agreement information (S13); receiving second payer information sent by a second payment end and performing verification (S14); after verification has been passed, freezing funds or a credit limit, corresponding to a limit, in a second payer account and then opening the electronic certificate (S15). Opening an electronic certificate having a payment commitment function reduces the transaction risk for both a buyer and a seller, and allowing an electronic certificate payer alteration request to be submitted at any time within an electronic certificate opening process without it being necessary to resubmit an electronic certificate opening request increases the flexibility and efficiency of opening the electronic certificate.

Description

2 PCT/CN2015/084659 Method, Device And System For Opening Electronic Certificate Technical Field [0001] The present invention relates to the field of network payment technology, and in particular, to a method, device, and system for opening an electronic certificate.
Background Technology [0002] Payment refers to payment of money produced on the basis of economic contracts in the business activities. At present, many banks or enterprises have provided a network of payment services, allowing users to operate computers, mobile phones and other terminal equipment to achieve network payment, the way of the network payment provides users with a great convenience. In the existing network payment methods, most of the funds in the bank card are allocated directly to the other's account, or to the third party organizations as security.

[0003] The traditional way of online payment, after the buyer's money order is issued, the funds will be transferred directly, the following situations often occur: the buyer has not received the commodity or services provided by the merchant, and its funds have been paid to the seller by the bank or the third party organization; or after the seller offers the commodity or services, the buyer is unable to pay the corresponding funds. Or the buyer transfers the money to the wrong account. At this stage there is a certain risk of online payment transactions, which cannot guarantee the interests of both buyers and sellers.
Technical problem

[0004] The main object of the present invention is to provide a method, device and system for opening an electronic certificate to reduce transaction risk and increase the flexibility and efficiency of opening an electronic certificate.
Problem solving solution Technical solutions

[0005] In order to achieve the above objective, the present invention provides a method for opening an electronic certificate applied to a Funds-Management server, including the following steps:

[0006] The opening of electronic certificate is made according to the issuing request delivered by the issuing terminal and the first payment information delivered by the first payment terminal;

[0007] During a process of issuing a certificate, receiving a change payment request delivered by the issuing terminal or the first payment terminal, and when payment of the payment is approved, the payment-for-consent information is changed;

[0008] Receiving the second payer delivers the second payer information;

[0009] Verifying the second payer information;

[0010] When the verification is passed, the second payer's account in the freezing of the corresponding amount of funds or credit line to open an electronic certificate.

[0011] The present invention also proposes a method of opening an electronic certificate applied to the issuing terminal, including the following steps:

[0012] Deliver \ request to the first payment terminal as an electronic certificate payer;

[0013] After receiving the agreement delivered by the first payment terminal as the electronic certificate payment person, it delivers a certificate issuing request to the Funds-Management server and notifies the first payment terminal so that the first payment terminal delivers the first payer information to the Funds-Management server;

[0014] In the process of issuing a certificate, delivering a request for changing a payer to the Funds-Management server;

[0015] After receiving the information of changing the payer delivered by the Funds-Management server, deliver a request for changing a payer to a second payment terminal, so that the second payment terminal delivers second payer information to the Funds-Management server.

[0016] The present invention also presents a device applied to the Funds-Management server to open an electronic certificate, including:

[0017] The first card issuing module is used to start the electronic certificate opening according to the issuing request delivered by the issuing terminal and the first payer information delivered by the first payment terminal;

[0018] The change module is used to receive a change payment request delivered by the issuing terminal or the first payment terminal during a process of issuing a certificate, feedback the information of the change payment provider when the payment of the payment is approved, and receive the second payer delivered by the second payer information;

[0019] A verification module is used to verify the second payer information;

[0020] The second card issuing module is used to open an electronic certificate after the information of the second payer is verified, and the funds or credit of the corresponding amount in the second payer's account is frozen.

[0021] The present invention also proposes a device for opening electronic certificate applied to the issuing terminal, including:

[0022] A payment request module is used to deliver a request to the first payment terminal as an electronic certificate payment payer, and when receiving the consent delivered by the first payment terminal as the information of an electronic certificate payment payer, notify the issuing request module;

[0023] The issuing request module is used to deliver an issuance request to the Funds-Management server, and notify the first payment terminal so that the first payment terminal delivers the first payment payer information to the Funds-Management server;

[0024] The first change request module is used to deliver a request for changing a payer to the Funds-Management server during a process of issuing a certificate; and after receiving the information of changing a payer delivered by the Funds-Management server, the second payment terminal delivers a request for changing the payment payer so that the second payment terminal delivers the second payment payer information to the Funds-Management server.

[0025] The present invention also provides a system for opening an electronic certificate, including a issuing terminal, a first payment terminal, a second payment terminal and a Funds-Management server, wherein:

[0026] The issuing terminal is used to deliver a request to the first payment terminal for requesting payment as an electronic certificate; and after receiving the consent delivered by the first payment terminal as the information of the payer paying the electronic certificate, the Funds-Management server delivers an issuing request and notifies the first payment terminal; in the process of issuing a certificate, the Funds-Management server delivers a request for a change of payment to the Funds-Management server; and receives a consent change delivered by the Funds-Management server after paying the payer's information, delivering a request for changing a payer to the second payment terminal;

[0027] The first payment terminal is used to feedback, as a request for the electronic certificate payer, information agreed to be used as an electronic certificate payment payer according to the request delivered by the issuing terminal; -after receiving the notification of the issuing request delivered by the issuing terminal, the first payer information is delivered to the Funds-Management server.

[0028] The second payment terminal is used to deliver second payer information to the Funds-Management server according to a change payment request delivered by the issuing terminal;

[0029] The Funds-Management server is used to start the opening of the electronic certificate according to the issuing request delivered by the issuing terminal and the first payer information delivered by the first payment terminal. During the issuing of the certificate, receiving a request for changing a payer delivered by the issuing terminal or the first payment terminal, and feedback to change the payer's information when agreeing to change the payer; and receiving the second payer information delivered by the second payment terminal, and when the verification is passed, the electronic certificate is frozen after freezing the corresponding amount of funds or credit line in the account of the second payer.
The beneficial effect of the invention Beneficial effect

[0030] By adopting the method, device and system for opening the electronic certificate provided by the present invention, an electronic certificate with a committed payment function can be opened, which reduces the transaction risk between the buyer and the seller, and allowed to open the electronic certificate process at any time to change the request of the electronic certificate payer, without having to re-submit the request to open electronic certificate, to improve the flexibility and efficiency of opening electronic certificate.
A brief description of the drawings Brief Description

[0031] Figure 1 is a flow chart of a first example of a method for opening an electronic certificate according to the present invention;

[0032] Figure 2 is an interactive diagram of the main body when opening the electronic certificate in the example of the present invention;

[0033] Figure 3 is a flow chart of the Funds-Management server verifying the second payer information in the example of the present invention;

[0034] Figure 4 is a flow chart of a second example of the method for opening an electronic certificate of the present invention;

[0035] Figure 5 is a flow chart of a method for opening an electronic certificate of the third example of the present invention;

[0036] Figure 6 is a schematic block diagram of an example of an electronic certificate opening system of the present invention;

[0037] Figure 7 is a schematic block diagram of a first example of the device for opening an electronic certificate of the present invention;

[0038] Figure 8 is a schematic block diagram of a second example of the device for opening an electronic certificate according to the present invention;

[0039] Figure 9 is a schematic block diagram of a third example of the device for opening an electronic certificate according to the present invention;

[0040] Figure 10 is a schematic block diagram of a fourth example of a device for opening an electronic certificate according to the present invention.

[0041] The realization of the object of the present invention, features and advantages of the present invention will be further described with reference to the accompanying drawings.
Examples of the Invention Implementation pattern of the present invention

[0042] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.

[0043] In the examples of the present invention, the Funds-Management server is a server of the funds management institution and the funds management institution refers to an organization capable of supporting the flow of funds, including but not limited to banks and other financial institutions (such as securities institutions, third-party payment platforms etc.), that is, Funds-Management server includes a bank server or other financial institution server.

[0044] In this example of the present invention, an electronic certificate refers to a payment certificate of electronic (Funds-Management server) that is opened on the application of a licensee to freeze funds or credit limits and is opened in the name of a fund management institution and commit to settle the payment credit of electronic credit commitment according to the agreed conditions.

[0045] In the examples of the present invention, the issuer (usually the buyer) is the entity applying for the establishment of an electronic certificate to the fund management institution, which may be a natural person, a legal person or any other organization. The issuer is the terminal held by the issuer.

[0046] In this example of the present invention, the first payer and the second payer, at the request of the issuer, are used as the electronic certificate payer to open the electronic certificate with the funds or credit of their account as the issuer. The main body may be a natural person, a legal person or other organization. The first payment terminal and the second payment terminal are respectively terminals owned by the first payer and the second payer.

[0047] In the example of the present invention, opening an electronic certificate is actually a Funds-Management server registering the frozen funds under the issuer's account.

[0048] In this example of the present invention, the basic business process of electronic certificate is: Funds management institution establish electronic certificate in accordance with the amount of funds required to freeze the applicant's application, when agreed to meet the conditions for the settlement, the fund management institution will be paid to settle payment settlement. Details as follows:

[0049] 1. After the transaction body forms an order, the issuer (e.g., the buyer) applies for issuing the certificate to the issuing institution (i.e, the fund management institution that opens an electronic certificate, such as an issuing bank). (Of course, the issuer can apply for issuing a certificate when forming a specific transaction order, or the issuer can voluntarily apply for issuing a certificate when the transaction order is not formed.)

[0050] 2. After the issuing agency accepts, open electronic certificate and freeze the corresponding amount of funds or credit line.

[0051] 3. The recipient (such as the seller) apply to the receiving authority (such as the receiving bank) for a certificate.

[0052] 4. After the certification body to verify the information to be certified, the electronic certificate enters into the compliance period, and the certificate collector performs the performance (for example, the merchant delivers the commodity and can be regarded as performing the contract).

[0053] 5. After receiving the certificate of compliance, the electronic certificate to obtain compliance information, change the status of the bank credit, electronic certificate enter into the receipt period, waiting for the delivery of commodity, and receive the commodity.

[0054] 6. When the issuer sign the commodity, that is the after receiving the transaction conditions of electronic certificate according to the payment terms of electronic certificate, the receiving card apply to the issuing agency for payment..

[0055] 7. Issuing agency discharges the funds from the opening of the account, transfer the funds to the collection agencies, collection agencies will transfer funds to the collector's account.

[0056] It should be understood that the above is only a way to use electronic certificate, it also can be used to purchase electronic services. In the purchase of services, such as living in the hotel transaction scenario, the hotel reservation is successful, that is, the hotel undertook a performance.

[0057] Of course, electronic certificate can also be used to allocate funds.
In different situations, the understanding of performance and receipt also changed. In other words, when a merchant provides a commodity or service, the status of the electronic certificate may directly flow through both the compliance period and the receipt period, directly entering the solution, such as face-to-face transactions.

[0058] In the following, the opening procedure of the electronic certificate will be described in detail through specific examples.

[0059] Please refer to Figure 1, Figure 2, a first example of the method for opening an electronic certificate of the present invention is proposed, and the method of this example is applied to a Funds-Management server, and the method includes the following steps:

[0060] S11: Start opening an electronic certificate according to the issuing request delivered by the issuing terminal and the first payee information delivered by the first payment terminal.

[0061] Specifically, as shown in Figure 2, the issuing terminal first delivers a request to the first payment terminal for requesting the first payment terminal as an electronic certificate payment payer. After receiving the request, if the first payment terminal agrees to pay as an electronic certificate payer, the consent information will be delivered to the issuing terminal; the issuing terminal receives the consent message, then delivers a Funds-Management server a certificate request, which includes the issuing amount and the issuer's identity information; Funds-Management server receives the issuing request delivered by the issuing terminal; the issuing terminal then delivers a notification to the first paying terminal that the issuing request has been delivered; the first paying terminal delivers the first payment information, the first payment information includes the identity information of the first payer, the account name, and the account amount.
After receiving the first payment information, the Funds-Management server starts the operation according to the issuing request and the first payer information. The opening of an electronic certificate specifically includes verifying the first payer's identity information and account name and verifying whether the first payer's account amount is greater than or equal to the amount of the issuing certificate amount, etc., in which the account amount is the account balance of funds or credit balance.

[0062] S12, receiving a request to change the payer to determine whether to agree to change the payer. When it is agreed to change the payer, step S13 is executed; otherwise, the process is ended or the refusal to change the payer information is refuted, and the electronic certificate is further asked to be opened based on the first payer information.

[0063] In this step S12, before the electronic certificate is successfully opened during the process of issuing the certificate, the issuing terminal may at any time make a request to the Funds-Management server to change the payment payer.

[0064] Specifically, as shown in Figure 2, during the issuing process, the issuing terminal delivers a request for changing the payer to the Funds-Management server. After receiving the request for changing the payee, the Funds-Management server verifies whether the request meets the condition, such as whether the time conditions (such as whether the electronic certificate was successfully opened) or other prohibited conditions, etc., after the approval of the agreed to change the payer, when the audit is not passed, it does not agree to change the payer.

[0065] In some examples, the payee request may also be submitted by the first payment terminal to the Funds-Management server. Specifically, in the process of issuing a certificate, the first payment terminal delivers a request for changing the payment to the Funds-Management server, and after receiving the request for changing the payment, the Funds-Management server verifies whether the request meets the conditions and approves the payment after the approval is passed payer, when the audit is not passed, it does not agree to change the payer.

[0066] S13, the feedback agrees to change the payer's information.

[0067] When the payment request is changed by the issuing party, the Funds-Management server feeds back to the issuing party (or the issuing party and the first payment party) the consent to change the payment information.

[0068] When the change payment request is made by the first payment terminal, the Funds-Management server feeds back the first payment terminal consent to change the payee information, and then the first payment terminal delivers the consent information to the issuing terminal. Alternatively, the Funds-Management server can also deliver feedback to the first payer and the issuer to change the payer's information.

[0069] S14, receiving second payer information delivered by the second payment terminal and performing verification. When the verification succeeds, step S15 is executed.
If the verification fails, the process ends. At the same time, the information about the failure of opening the electronic certificate may also be fed back to the issuing terminal (or the second payment terminal, or the issuing terminal and the second payment terminal).

[0070] Specifically, as shown in Figure 2, after receiving the agreement to change the payer's information, the issuing terminal delivers the request for changing the payer to the second payment terminal. When the second payer agrees to act as the electronic certificate payer, the second payment terminal delivers the second payment information to the Funds-Management server, and at the same time, the second payment terminal can feed back the consent information to the issuing terminal. The issuing terminal notifies the first payment terminal to apply for changing the payer.

[0071] After receiving the second payer information, the Funds-Management server terminates the process of opening the electronic certificate according to the first payer information, and in response to the second payer information, the electronic certificate is opened, that is, verify the information of the second payer. The procedure for Funds-Management server to verify the second payer information will be described later.

[0072] S15, freezing the second payer account in the corresponding amount of funds or credit line to open an electronic certificate.

[0073] In the step S15, after the second payer information is verified, the Funds-Management server then froze the funds or credit line equal to the amount of the opening card in the second payer's account and opens an electronic certificate. It may further notify the issuing terminal (or the issuing terminal and the second payment terminal) that the electronic certificate has been successfully opened.

[0074] S16, the status of the updated electronic certificate is issued.

[0075] In some examples, step S16 may also be omitted.

[0076] In the preceding step S14, the Funds-Management server verifying the second payer information is specifically as shown in Figure 3, including the following steps:

[0077] S141, verify the second payer's identity information and account name.
When the second payer's identity information and account name verification is successful, step S142 is executed; otherwise, the verification fails.

[0078] S142, verifying the second payer's account amount, determining whether the second payer's account amount is greater than or equal to the issuing amount. When the account amount is greater than or equal to the issuing amount, the verification is passed; otherwise, the verification fails. Wherein, the amount of the account is the balance of the balance of the fund or the credit line of the account.

[0079] hi the foregoing example, only one change was made to the electronic certificate payer, and in fact, the electronic certificate payer could make two or more changes to the electronic certificate payer. For example, before step S15, the issuing terminal or the second payment terminal may also request to the Funds-Management server for a second change to the electronic certificate payer, and after the second change is made, the electronic certificate is successfully opened, and a third change can be made, and so on.

[0080] Please refer to Figure 4 and Figure 2, a second example of the method for opening an electronic certificate of the present invention is proposed. The method of this example is applied to an issuing terminal. The method includes the following steps:

[0081] S21, deliver a request to the first payment terminal for requesting payment as an electronic certificate.

[0082] S22. After receiving the consent delivered by the first payment terminal as the payment information of the electronic certificate, the card issuance request is delivered to the Funds-Management server.

[0083] Specifically, as shown in Figure 2, after receiving the request, the first payment terminal delivers the consent information to the issuing terminal if the first payment terminal agrees to be the electronic certificate paying payer; after the issuing terminal receives the consent information, the Funds-Management server delivers an issuing request, which includes the issuing amount and the issuer's identity information.

[0084] S23, notify the first payment terminal has delivered a certificate request.

[0085] Specifically, as shown in Figure 2, after issuing the issuing request to the Funds-Management server, the issuing request is delivered to the first payment terminal notifying the issuing request, so that the first payment terminal delivers the issuing request through the corresponding web page, application and other ways to Funds-Management server to deliver the first payer information, Funds-Management server will be issued with electronic certificate.

[0086] S24. Deliver a request for changing the payer to the Funds-Management server.

[0087] In step S24, before the electronic certificate is successfully opened during the issuance process, the issuing terminal may at any time deliver a request for changing the payer to the Funds-Management server.

[0088] S25, after receiving the information delivered by the Funds-Management server that agrees to change the payer, deliver the request for changing the payer to the second payment terminal.

[0089] Specifically, as shown in Figure 2, after receiving the request for changing the payer, the Funds-Management server verifies whether the request meets the conditions, and when the verification is passed, feeds back to the issuing terminal the information for agreeing to change the payer. After receiving the consent information, the issuing terminal delivers the request for changing the payer to the second payment terminal, so that the second payment terminal delivers the second payment information to the Funds-Management server, and the Funds-Management server make electronic certificate issued according to the second payer's information. In addition, the issuing terminal may also notify the first payment terminal to apply for a change of payment.

[0090] Please refer to Figure 5 and Figure 2, a third example of a method for opening an electronic certificate according to the present invention is proposed. The method in this example is applied to a first payment terminal, and the method includes the following steps:

[0091] S31, feedback to the issuing terminal agree as electronic certificate payer's information.

[0092] Specifically, as shown in Figure 2, after receiving the request delivered by the issuing terminal and requesting the first payer as an electronic certificate payer, if the first payment terminal agrees to act as an electronic certificate payer, deliver an agreement to the issuing tenninal to act as a payer for electronic certificate.

[0093] S32: After receiving the notification delivered by the issuing terminal that has deliver the issuing request to the Funds-Management server, the first payer information is delivered to the Funds-Management server.

[0094] The first payer information includes the identity information of the first payer, the account name and the account amount. Wherein, the amount of the account is the balance of the balance of the fund or the credit line of the account.

[0095] S33. Deliver a request for changing the payer to the Funds-Management server.

[0096] In step S33, before the electronic certificate is successfully opened during the process of issuing a certificate, the first payment terminal may deliver a request for changing a payment payer to the Funds-Management server at any time.

[0097] S34, receiving feedback information of Funds-Management server.

[0098] Specifically, as shown in Figure 2, after receiving the request for changing the payer, the Funds-Management server verifies whether the request meets the conditions, and when the verification is passed, delivers the first payment terminal (or the first payment terminal and the issued certificate terminal) agree to change the payer's information.
Further, after receiving the consent information, the first payment terminal may further forward the consent information to the issuing terminal.

[0099] In the foregoing example, the issuer, the first payer and the second payer are three different entities, namely the issuing terminal, and the first payment terminal and the second payment terminal are three different terminals.

[0100] In some examples, the issuer is the first payer, i.e., the issuer applies for an electronic certificate to the funds management institution with its own account as a guarantee. In this example, the issuing terminal and the first payment terminal are the same terminal, and the issuing terminal delivers the issuer's request and the issuer's identity information, the account name and the account amount directly to the Funds-Management server.
During the process of issuing the certificate, the issuing certificate terminal shall at any time request the Funds-Management server to change the payer of the electronic certificate payment to another entity (i.e. the second payer).

[0101] In other examples, the issuer is the second payer. That is, the issuer first applies for the electronic certificate from the Funds-Management server by the other party (i.e., the first payer) as the electronic certificate payer. During the process of issuing the certificate, the issuer or the first payer may submit the fund management institution to change the electronic certificate payer to the issuer. In this implementation manner, the issuing terminal and the second payment terminal are the same terminal.

[0102] Thus, the present invention opens the method of electronic certificate, in the process of opening electronic certificate, the fund management institution may at any time submit a request for the change of electronic certificate to the payer, without having to re-submit electronic certificate issuing request. On the one hand, the payment through the electronic certificate reduces the transaction risk; on the other hand, it increases the flexibility and efficiency of opening an electronic certificate.

[0103] Please refer to Figure 6, an example of a system for opening an electronic certificate according to the present invention is proposed. The system includes an issuing terminal, a first payment terminal, a second payment terminal, and a Funds-Management server, wherein:

[0104] The issuing terminal is used to deliver a request to the first payment terminal for requesting payment as an electronic certificate and receive feedback information from the first payment terminal; and when the feedback information of the first payment terminal agrees to be the payment recipient of the electronic certificate, the Funds-Management server delivers the issuing request and notifies the first payment terminal; during the process of issuing the certificate, the Funds-Management server delivers a request for changing the payer of the payment to the Funds-Management server; after receiving the information of changing the payer delivered by the Funds-Management server, deliver the change payer request to the second payment terminal.

[0105] The first payment terminal: set to receive the request delivered by the issuing terminal as a request for electronic certificate payment, and feedback consent or refuse to be paid as electronic certificate information; received from the issuing terminal delivered to Funds-Management; after receiving the notification delivered by the issuing terminal that has delivered the issuing request to the Funds-Management server, the first payer information is delivered to the Funds-Management server.

[0106] In some examples, the first payment terminal may also deliver a change payer request to the Funds-Management server during the issuing process to receive feedback from the Funds-Management server. Further, the first payment terminal also forwards the feedback information to the issuing terminal.

[0107] The second payment terminal is used to receive the change payer request delivered by the issuing terminal, and deliver the second payment information to the Funds-Management server when agreeing to be the electronic certificate payer.

[0108] Funds-Management server is used to receive the issuing request delivered by the issuing terminal and the first payer information delivered by the first payment terminal; and start the opening of the electronic certificate according to the issuing request and the first payer information; in the process of issuing a certificate, a request of changing a payer is received. When the payer is agreed to be changed, feedback is agreed to change information of a payer. The second payer information delivered by the second payer is received and verified. When the verification is passed, after the second payer's account is frozen, the corresponding amount of funds or credit line is opened to open an electronic certificate.

[0109] The system for providing the electronic certificate provided by the above example belongs to the same concept as the method example for opening the electronic certificate. For the specific implementation process, refer to the method example for details. The technical characteristics of the method are applicable in the system implementation cases.

[0110] Figure 7, a first example of a device for opening an electronic certificate according to the present invention is proposed. The device in this example is applied to the foregoing Funds-Management server and includes a first issuing module, a changing module, a verification module and a second opening certificate module, wherein:

[0111] The first card issuing module is used to receive the issuing request delivered by the issuing terminal and the first payer information delivered by the first payment terminal, and start the opening of the electronic certificate according to the issuing request and the first payer information.

[0112] The change module is used to: receive a change payment request delivered by the issuing terminal or the first payment terminal during a process of issuing a certificate, and when agreeing to change a payment payer, feedback consent to change the payment information and receive a second payment terminal to deliver the second payer information.

[0113] Specifically, after receiving the change payment request delivered by the issuing terminal or the first payment terminal, the modification module reviews the request of the payment changer, and when the approval is approved, changes the payment information of the payer.

[0114] The verification module is used to verify the second payer information, the second payer information includes the identity information of the second payer, the account name and the account amount, and when the verification is passed, the corresponding amount of funds in the second payer account is frozen or open electronic certificate after credit.

[0115] Specifically, the first card issuing module first verifies the identity information of the second payer and the account name. After the identity information of the second payer and the verification of the account name are successful, the second verifier verifies whether the account amount of the second payer is greater than or equal to the issuing amount; when the second payer's account amount is greater than or equal to the issuing amount, the verification is successful; otherwise, the verification fails. Wherein, the amount of the account is the balance of the balance of the fund or the credit line of the account.

[0116] The second issuing module is used to open an electronic certificate after the information of the second payer is verified, and the funds or credit line of the corresponding amount in the second payer's account is frozen.

[0117] Figure 8 is a second example of a device for opening an electronic certificate according to the present invention. The device in this example is also applied to the foregoing Funds-Management server. The difference between this example and the first example is that an additional one update module, the update module is set to open the electronic certificate after updating the state of electronic certificate has been opened. In some examples, the issuer is the first payer, and the issuing terminal and the first payer are the same terminal.

[0118] In some other examples, the issuer is the second payer, and the issuer and the second payer are the same terminal.

[0119] Figure 9, a third example of a device for opening an electronic certificate according to the present invention is proposed. The device in this example is applied to the issuing terminal.
The device includes a payment request module, a verification request module, and a first change request module, wherein:

[0120] The payment request module is used to deliver a request to the first payment terminal for requesting payment as an electronic certificate and receive the feedback information of the first payment terminal. When the feedback information is the first payment consent information of the first payment holder as the electronic certificate payment payer, notify the issuing request module.

[0121] Issuing request module: set when the first payer agrees to act as electronic certificate payer, deliver a certificate issuing request to the Funds-Management server, and notify the first payment terminal to deliver the first payer information to the Funds-Management server.

[0122] The first change request module is used to deliver a request for changing a payer to the Funds-Management server during a process of issuing a certificate; and after receiving the information of changing a payer delivered by the Funds-Management server, the second payment terminal delivers a request for changing the payment payer so that the second payment terminal delivers the second payment payer information to the Funds-Management server.

[0123] Figure 10, a fourth example of a device for opening an electronic certificate according to the present invention is proposed. The device in this example is applied to the foregoing first payment terminal. The device includes a payment request feedback module, a payment information delivery module and a second change request module, wherein:

[0124] The payment request feedback module: set to receive the request delivered by the issuing terminal as the request of the electronic certificate payer, and agree to act as the information provider of the electronic certificate when agreeing to be the electronic certificate payer; otherwise, no response or feedback will be given to the information of the electronic certificate payer;

[0125] The payment information delivery module: used to deliver the first payer information to the Funds-Management server after receiving the notification delivered by the issuing terminal that has delivered the issuing request to the Funds-Management server;

[0126] The second change request module: set to deliver Funds-Management server to change the payment request, receive feedback of Funds-Management server.
Further, the second change request module further forwards the feedback information to the issuing terminal.

[0127] The device for providing the electronic certificate provided by the above example belongs to the same concept as the method example for opening the electronic certificate. For the specific implementation process, refer to the method example for details. The technical features in the method examples are the same as those in the device example corresponding to the applicable to the implementation of the device, not repeat here.

[0128] Therefore, in the device for opening the electronic certificate of the present invention, the person who changes the electronic certificate may be raised at any time during the process of opening the electronic certificate without the need to resubmit the electronic certificate. On the one hand, the payment through the electronic certificate reduces the transaction risk; on the other hand, it increases the flexibility and efficiency of opening an electronic certificate.

[0129] A person of skill in the art considers the problems disclosed herein and sought to be solved by the present disclosure to be exclusively computer problems and contemplates only solutions to those problems that include essential computer elements. Abstract ideas, mere schemes, plans, rules, or mental processes that do not include computer elements are expressly excluded from this application.

[0130] A person of skill in the art will understand that the realization of all or part of the steps of the method described above may be controlled by a program to control the associated hardware completion, which may be stored in a computer-readable storage medium. The storage medium may be ROM / RAM, a magnetic disk, an optical disk, etc.

[0131] It is to be understood that the above is only a preferred example of the present invention and is not intended to limit the scope of the invention as a matter of limitation, either by way of equivalent construction or equivalent process transformation using the present specification and the accompanying drawings, directly or indirectly used in other related technical fields, which are included in the scope of the patent protection of the present invention.

[0132] By adopting the method, device and system for opening the electronic certificate provided by the present invention, an electronic certificate with a committed Date Recue/Date Received 2020-07-14 payment function can be opened, which reduces the transaction risk between the buyer and the seller, and allowed to open the electronic certificate process at any time to change the request of the electronic certificate payer, without having to re-submit the request to open electronic certificate, to improve the flexibility and efficiency of opening electronic certificate. Therefore, it has industrial applicability.

Date Recue/Date Received 2020-07-14

Claims (98)

Claims:

1. A computer system for opening an electronic certificate in an electronic transaction, the system comprising:
a terminal for issuing electronic certificate configured to:
deliver a request for opening electronic certificate to a Funds-Management server, wherein the request includes amount of funds for opening electronic certificate; and deliver a request for changing payer information in an opening process to the Funds-Management server;
a first payment terminal configured to:
deliver an acceptance of a request for paying electronic certificate as the payer delivered by the terminal for issuing electronic certificate, when receiving the request for paying electronic certificate as a payer delivered by terminal for issuing electronic certificate;
deliver first payer information to the Funds-Management server when receiving a notification that the request for opening electronic certificate has been sent to the Funds-Management server already;
a second payment terminal configured to deliver second payer information to the Funds-Management server according to a request for changing payer information delivered by the terminal for issuing electronic certificate in an opening process;
the Funds-Management server configured to:

start to open an electronic certificate according to the request for opening electronic certificate and first payer information, wherein the request for opening electronic certificate is delivered by a terminal for issuing electronic certificate, wherein the first payer information is delivered by a first payment terminal;
receive a request for changing payer information delivered by the terminal for issuing electronic certificate or the first payment terminal in an opening process;
receive second payer information delivered by a second first payment terminal when accepting to change payer information for improving flexibility of opening electronic certificate and reducing payment risk;
verify the second payer information; and where if verification of the second payer information is passed, freezing an amount of balance or credit amount in a payment account of the second payer to open the electronic certificate, wherein the amount of balance or credit amount is equal to the amount of funds in the electronic certificate.

2. The system of claim 1, wherein the request for changing payer information may be delivered by the first payment terminal.

3. The system of claim 1, wherein the terminal for issuing electronic certificate is held and controlled by a buyer.

4. The system of claim 3, wherein the buyer may be a first payer.

5. The system of any one of claims 1 to 4, wherein the terminal for issuing electronic certificate is configured to be the first payment terminal.

6. The system of claim 3, wherein the buyer may be a second payer.

7. The system of any one of claims 1 to 6, wherein the terminal for issuing electronic certificate is configured to be the second payment terminal.

8. The system of any one of claims 1 to 7, wherein the second payer information includes identification information of the second payer.

9. The system of any one of claims 1 to 8, wherein the second payer information includes account information of the second payer.

10. The system of any one of claims 1 to 9, wherein the second payer information includes account balance of the second payer.

11. The system of claim 1, wherein the Funds-Management server is further configured to:
verify the identification information of the second payer and an account name of the second payer;
verify whether fund balance or credit limit balance in the second payment account is more than or equal to the amount of funds for opening electronic certificate, when verification for the identification information of the second payer and the account name of the second payer is passed;
where if the fund balance or the credit limit balance in the second payment account is more than or equal to the amount of funds for opening electronic certificate, determine that verification of the second payment information is passed; and where if the fund balance or the credit limit balance in the second payment account is less than the amount of funds for opening electronic certificate, determine that verification of amount of funds is failed.

12. The system of any one of claims 1 to 11, wherein the Funds-Management server is further configured to update status of the electronic certificate to be "has been opened", when the electronic certificate is opened.

13. The system of any one of claims 1 to 12, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.

14. The system of claim 13, wherein the Funds-Management institution is an institution that can support capital flows.

15. The system of any one of claims 13 to 14, wherein the Funds-Management institution includes a bank.

16. The system of any one of claims 13 to 14, wherein the Funds-Management institution includes a financial institution.

17. The system of any one of claims 13 to 14, wherein the Funds-Management institution includes a third-party payment platform.

18. The system of any one of claims 1 to 17, wherein the Funds-Management server includes a bank server.

19. The system of any one of claims 1 to 17, wherein the Funds-Management server includes a financial institution server.

20. A computer implemented method for opening an electronic certificate in an electronic transaction, the method comprising:
a terminal for issuing electronic certificate delivers a request for opening electronic certificate to a Funds-Management server, wherein the request includes amount of funds for opening electronic certificate; and a first payment terminal delivers first payer information to the Funds-Management server when receiving a notification that the request for opening electronic certificate has been sent to the Funds-Management server already;
the Funds-Management server starts to open an electronic certificate according to the request for opening electronic certificate and first payer information, wherein the request for opening electronic certificate is delivered by a terminal for issuing electronic certificate, wherein the first payer information is delivered by a first payment terminal;
the Funds-Management server receives a request for changing payer information delivered by the terminal for issuing electronic certificate or the first payment terminal in an opening process;
a second payment terminal delivers second payer information to the Funds-Management server according to the request for changing payer information delivered by the terminal for issuing electronic certificate when the Funds-Management server accepting to change payer information for improving flexibility of opening electronic certificate and reducing payment risk;
the Funds-Management server verify the second payer information; and where if verification of the second payer information is passed, the Funds-Management server freezes an amount of balance or credit amount in a payment account of the second payer to open the electronic certificate, wherein the amount of balance or credit amount is equal to the amount of funds in the electronic certificate.

21. The method of claim 20, wherein the terminal for issuing electronic certificate is held and controlled by a buyer.

22. The method of claim 21, wherein the buyer may be a first payer.

23. The method of any one of claims 20 to 22, wherein the terminal for issuing electronic certificate is configured to be the first payment terminal.

24. The method of claim 20, wherein the buyer may be a second payer.

25. The method of any one of claims 20 to 24, wherein the terminal for issuing electronic certificate is configured to be the second payment terminal.

26. The method of any one of claims 20 to 25, wherein the second payer information includes identification information of the second payer.

27. The method of any one of claims 20 to 26, wherein the second payer information includes account information of the second payer.

28. The method of any one of claims 20 to 27, wherein the second payer information includes account balance of the second payer.

29. The method of claim 20 further includes:
the Funds-Management server verifies the identification information of the second payer and an account name of the second payer;

the Funds-Management server verifies whether fund balance or credit limit balance in the second payment account is more than or equal to the amount of funds for opening electronic certificate, when verification for the identification information of the second payer and the account name of the second payer is passed;
where if the fund balance or the credit limit balance in the second payment account is more than or equal to the amount of funds for opening electronic certificate, the Funds-Management server determines that verification of the second payment information is passed; and where if the fund balance or the credit limit balance in the second payment account is less than the amount of funds for opening electronic certificate, the Funds-Management server determines that verification of amount of funds is failed.

30. The method of claims 20 to 29 further includes that the Funds-Management server updates status of the electronic certificate to be "has been opened", when the electronic certificate is opened.

31. The method of any one of claims 20 to 30, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.

32. The method of claim 31, wherein the Funds-Management institution is an institution that can support capital flows.

33. The method of any one of claims 31 to 32, wherein the Funds-Management institution includes a bank.

34. The method of any one of claims 31 to 32, wherein the Funds-Management institution includes a financial institution.

35. The method of any one of claims 31 to 32, wherein the Funds-Management institution includes a third-party payment platform.

36. The method of any one of claims 20 to 35, wherein the Funds-Management server includes a bank server.

37. The method of any one of claims 20 to 35, wherein the Funds-Management server includes a financial institution server.

38. A computer implemented method for opening an electronic certificate in an electronic transaction, applied in a Funds-Management server, the method comprising:
starting to open an electronic certificate according to a request for opening electronic certificate and first payer information, wherein the request for opening electronic certificate is delivered by a terminal for issuing electronic certificate, wherein the first payer information is delivered by a first payment terminal;
receiving a request for changing payer information delivered by the terminal for issuing electronic certificate or the first payment terminal in an opening process;
receiving second payer information delivered by a second first payment terminal when accepting to change payer information for improving flexibility of opening electronic certificate and reducing payment risk;
verifying the second payer information; and where if verification of the second payer information is passed, freezing an amount of balance or credit amount in a payment account of the second payer to open the electronic certificate, wherein the amount of balance or credit amount is equal to the amount of funds in the electronic certificate.

39. The method of claim 38, wherein the terminal for issuing electronic certificate is held and controlled by a buyer.

40. The method of claim 39, wherein the buyer may be a first payer.

41. The method of any one of claims 38 to 40, wherein the terminal for issuing electronic certificate is configured to be the first payment terminal.

42. The method of claim 39, wherein the buyer may be a second payer.

43. The method of any one of claims 38 to 39, wherein the terminal for issuing electronic certificate is configured to be the second payment terminal.

44. The method of any one of claims 38 to 43, wherein the second payer information includes identification information of the second payer.

45. The method of any one of claims 38 to 44, wherein the second payer information includes account information of the second payer.

46. The method of any one of claims 38 to 45, wherein the second payer information includes account balance of the second payer.

47. The method of claim 38 further includes:
verifying the identification information of the second payer and an account name of the second payer;

verifying whether fund balance or credit limit balance in the second payment account is more than or equal to the amount of funds for opening electronic certificate, when verification for the identification information of the second payer and the account name of the second payer is passed;
where if the fund balance or the credit limit balance in the second payment account is more than or equal to the amount of funds for opening electronic certificate, determining that verification of the second payment information is passed; and where if the fund balance or the credit limit balance in the second payment account is less than the amount of funds for opening electronic certificate, determining that verification of amount of funds is failed.

48. The method of any one of claims 38 to 47 further includes updating status of the electronic certificate to be "has been opened", when the electronic certificate is opened.

49. The method of any one of claims 38 to 48, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.

50. The method of claim 49, wherein the Funds-Management institution is an institution that can support capital flows.

51. The method of any one of claims 49 to 50, wherein the Funds-Management institution includes a bank.

52. The method of any one of claims 49 to 50, wherein the Funds-Management institution includes a financial institution.

53. The method of any one of claims 49 to 50, wherein the Funds-Management institution includes a third-party payment platform.

54. The method of any one of claims 38 to 53, wherein the Funds-Management server includes a bank server.

55. The method of any one of claims 38 to 53, wherein the Funds-Management server includes a financial institution server.

56. A computer implemented device for opening an electronic certificate in an electronic transaction, applied in a Funds-Management server, the device comprising:
a first issuing module configured to start to open an electronic certificate according to a request for opening electronic certificate and first payer information, wherein the request for opening electronic certificate is delivered by a terminal for issuing electronic certificate, wherein the first payer information is delivered by a first payment terminal;
a change module configured to:
receive a request for changing payer information delivered by the terminal for issuing electronic certificate or the first payment terminal in an opening process;
receive second payer information delivered by a second first payment terminal when accepting to change payer information for improving flexibility of opening electronic certificate and reducing payment risk;
a verification module configured to verify the second payer information; and a second issuing module configured to, where if verification of the second payer information is passed, freeze an amount of balance or credit amount in a payment account of the second payer to open the electronic certificate, wherein the amount of balance or credit amount is equal to the amount of funds in the electronic certificate.

57. The device of claim 56, wherein the verification module is further configured to:
verify the identification information of the second payer and an account name of the second payer;
verify whether fund balance or credit limit balance in the second payment account is more than or equal to the amount of funds for opening electronic certificate, when verification for the identification information of the second payer and the account name of the second payer is passed;
where if the fund balance or the credit limit balance in the second payment account is more than or equal to the amount of funds for opening electronic certificate, determine that verification of the second payment information is passed; and where if the fund balance or the credit limit balance in the second payment account is less than the amount of funds for opening electronic certificate, determine that verification of amount of funds is failed.

58. The device of any one of claims 56 to 57, further includes a update module.

59. The device of claim 58, wherein the update module is configured to update status of the electronic certificate to be "has been opened", when the electronic certificate is opened.

60. The device of claim 56, wherein the terminal for issuing electronic certificate is held and controlled by a buyer.

61. The device of claim 60, wherein the buyer may be a first payer.

62. The device of any one of claims 56 to 61, wherein the terminal for issuing electronic certificate is configured to be the first payment terminal.

63. The device of claim 60, wherein the buyer may be a second payer.

64. The device of any one of claims 56 to 60, wherein the terminal for issuing electronic certificate is configured to be the second payment terminal.

65. The device of any one of claims 56 to 64, wherein the second payer information includes identification information of the second payer.

66. The device of any one of claims 56 to 65, wherein the second payer information includes account information of the second payer.

67. The device of any one of claims 56 to 66, wherein the second payer information includes account balance of the second payer.

68. The device of claims 56 to 67, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.

69. The device of claim 68, wherein the Funds-Management institution is an institution that can support capital flows.

70. The device of any one of claims 68 to 69, wherein the Funds-Management institution includes a bank.

71. The device of any one of claims 68 to 69, wherein the Funds-Management institution includes a financial institution.

72. The device of any one of claims 68 to 69, wherein the Funds-Management institution includes a third-party payment platform.

73. The device of any one of claims 56 to 72, wherein the Funds-Management server includes a bank server.

74. The device of any one of claims 56 to 72, wherein the Funds-Management server includes a financial institution server.

75. A computer implemented method for opening an electronic certificate in an electronic transaction, applied in a terminal for issuing electronic certificate, the method comprising:
delivering a request for paying electronic certificate as a payer to a first payment terminal;
delivering a request for opening electronic certificate to a Funds-Management server when receiving an acceptance of the request for paying electronic certificate as the payer from the first payment terminal, wherein the request includes amount of funds for opening electronic certificate; and notifying the first payment terminal so that the first payment terminal delivers first payer information to the Funds-Management server; and delivering a request for changing payer information in an opening process to the Funds-Management server when receiving an acceptance from the Funds-Management server for changing payer information, to enable the second payment terminal to deliver second payer information to the Funds-Management server.

76. The method of claim 75, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.

77. The method of claim 76, wherein the Funds-Management institution is an institution that can support capital flows.

78. The method of any one of claims 76 to 77, wherein the Funds-Management institution includes a bank.

79. The method of any one of claims 76 to 77, wherein the Funds-Management institution includes a financial institution.

80. The method of any one of claims 76 to 77, wherein the Funds-Management institution includes a third-party payment platform.

81. The method of any one of claims 75 to 80, wherein the Funds-Management server includes a bank server.

82. The method of any one of claims 75 to 80, wherein the Funds-Management server includes a financial institution server.

83. A computer implemented device for opening an electronic certificate in an electronic transaction, applied in a terminal for issuing electronic certificate, the device comprising:
a payment request module configured to:
deliver a request for paying electronic certificate as a payer to a first payment terminal; and notifying an issuing request module when receiving an acceptance for the request for paying electronic certificate as a payer delivered by the first payment terminal;
the issuing request module configured to:

deliver a request for opening electronic certificate to the Funds-Management server; and notify the first payment terminal so that the first payment terminal delivers first payer information to the Funds-Management server;
a first change request module configured to deliver a request for changing payer information in an opening process to the Funds-Management server when receiving an acceptance from the Funds-Management server for changing payer information, to enable the second payment terminal to deliver second payer information to the Funds-Management server.

84. The device of claim 83, wherein the terminal for issuing electronic certificate is held and controlled by a buyer.

85. The device of claim 84, wherein the buyer may be a first payer.

86. The device of any one of claims 83 to 85, wherein the terminal for issuing electronic certificate is configured to be the first payment terminal.

87. The device of claim 84, wherein the buyer may be a second payer.

88. The device of any one of claims 83 to 84, wherein the terminal for issuing electronic certificate is configured to be the second payment terminal.

89. The device of any one of claims 83 to 88, wherein the second payer information includes identification information of the second payer.

90. The device of any one of claims 83 to 89, wherein the second payer information includes account information of the second payer.

91. The device of any one of claims 83 to 90, wherein the second payer information includes account balance of the second payer.

92. The device of claims 83 to 91, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.

93. The device of claim 92, wherein the Funds-Management institution is an institution that can support capital flows.

94. The device of any one of claims 92 to 93, wherein the Funds-Management institution includes a bank.

95. The device of any one of claims 92 to 93, wherein the Funds-Management institution includes a financial institution.

96. The device of any one of claims 92 to 95, wherein the Funds-Management institution includes a third-party payment platform.

97. The device of any one of claims 83 to 95, wherein the Funds-Management server includes a bank server.

98. The device of any one of claims 83 to 95, wherein the Funds-Management server includes a financial institution server.