CA2994354A1 - Method, system and device for opening electronic certificate - Google Patents
Method, system and device for opening electronic certificate Download PDFInfo
- Publication number
- CA2994354A1 CA2994354A1 CA2994354A CA2994354A CA2994354A1 CA 2994354 A1 CA2994354 A1 CA 2994354A1 CA 2994354 A CA2994354 A CA 2994354A CA 2994354 A CA2994354 A CA 2994354A CA 2994354 A1 CA2994354 A1 CA 2994354A1
- Authority
- CA
- Canada
- Prior art keywords
- issuing
- verification
- electronic certificate
- payment account
- issuing request
- 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.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 40
- 238000012795 verification Methods 0.000 claims abstract description 85
- 238000007726 management method Methods 0.000 description 50
- 230000008569 process Effects 0.000 description 7
- 238000010586 diagram Methods 0.000 description 4
- 230000008520 organization Effects 0.000 description 3
- 230000009286 beneficial effect Effects 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 230000008859 change Effects 0.000 description 1
- 238000010276 construction Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 230000002452 interceptive effect Effects 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 230000000135 prohibitive effect Effects 0.000 description 1
- 230000009466 transformation Effects 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q30/00—Commerce
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Finance (AREA)
- Marketing (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Disclosed are a method, system and device for opening an electronic certificate, the method comprising the steps of: an issuing end sends an issuing request to a funds management server, the issuing request comprising issuing amount information, payer identity information and payment account information; the funds management server verifies the issuing request according to the issuing amount information, the payer identity information and the payment account information; when the issuing request passes verification, the funds management server opens an electronic certificate; when the issuing request does not pass verification, the funds management server refuses to open an electronic certificate. A payment is performed via the electronic certificate, reducing the transaction risk, the issuing request is verified according to the issuing amount information, the payer identity information and the payment account information, significantly reducing the electronic certificate opening segment risk, and the transaction risk is controlled from source, further reducing the transaction risk.
Description
. WO 2017/012057 Method, System And Device For Opening Electronic Certificate Technical Field [0001] The present invention relates to the field of network payment technology, and in particular, to a method, system and device for opening an electronic certificate.
Background Technology
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
Technical problem
[0004] The main object of the present invention is to provide a method, system and device for opening an electronic certificate with the aim of reducing the transaction risk.
Problem solving solution Technical solutions
Problem solving solution Technical solutions
[0005] In order to achieve the above objective, the present invention provides a method for opening an electronic certificate, including the following steps:
[0006] The issuing terminal delivers the issuing request to the Funds-Management server, where the issuing request includes the issuing amount information, the payer's identity information and the payment account information;
[0007] The Funds-Management server verifies the issuing request according to the issuing amount information, the payer's identity information and the payment account information;
[0008] When the issuing request passes the verification, the Funds-Management server opens an electronic certificate;
[0009] When the issuing request fails the verification, the Funds-Management server refuses to open an electronic certificate.
[0010] The present invention also proposes a method for opening an electronic certificate applied to a Funds-Management server, including the following steps:
[0011] Receiving the issuing request delivered by the issuing terminal, the issuing request including the issuing amount information, the payer identity information and payment account information;
[0012] Verifying the issuing request according to the issuing amount information, payer identification information and payment account information;
[0013] When the issuing request passes the verification, open the electronic certificate;
[0014] When the issuing request fails to pass the verification, it refuses to open the electronic certificate.
[0015] The present invention also provides a system for opening electronic certificate, including issuing terminal and Funds-Management server, wherein:
[0016] The issuing terminal is used to deliver an issuing request to the Funds-Management server, where the issuing request includes opening amount information, payer identity information, and payment account information;
[0017] The Funds-Management server is used to verify the issuing request according to the issuing amount information, payer identification information and payment account information;
and when the issuing request passes the verification, the Funds-Management server opens an electronic certificate; when the issuing request fails the verification, the Funds-Management server refuses to open an electronic certificate.
and when the issuing request passes the verification, the Funds-Management server opens an electronic certificate; when the issuing request fails the verification, the Funds-Management server refuses to open an electronic certificate.
[0018] The present invention also proposes a device applied to Funds-Management server to open an electronic certificate, including:
[0019] A receiving module is used to receive a card issuing request delivered by an issuing terminal, wherein the card issuing request includes card opening amount information, payer identity information and payment account information;
[0020] A card issuing module is used to verify the issuing request according to the issuing amount information, payer identification information and payment account information;
open the electronic certificate when the issuing request passes the verification; when the issuing request fails to pass the verification, it refuses to open the electronic certificate.
The beneficial effect of the invention Beneficial effect
open the electronic certificate when the issuing request passes the verification; when the issuing request fails to pass the verification, it refuses to open the electronic certificate.
The beneficial effect of the invention Beneficial effect
[0021] The present invention provides a method, system and device for opening an electronic certificate. On the one hand, the payment through the electronic certificate reduces the transaction risk. On the other hand, according to the issuing amount information, the identity information of the payer and payment account information, the issuing request is strictly verified, it greatly reduces the risk of electronic certificate opening, and controls the transaction risk from the source, which further reduces the transaction risk.
A brief description of the drawings Brief Description
A brief description of the drawings Brief Description
[0022] Figure 1 is a flow chart of a first example of a method for opening an electronic certificate according to the present invention;
[0023] Figure 2 is an interactive diagram of the main body when opening the electronic certificate in the example of the present invention;
[0024] Figure 3 is a flow chart of the Funds-Management server verification issuing request according to an example of the present invention;
[0025] Figure 4 is a flow chart of another example of Funds-Management server issuing request according to an example of the present invention;
[0026] Figure 5 is a flow chart of a second example of the method for opening an electronic certificate according to the present invention;
[0027] Figure 6 is a schematic block diagram of an example of an electronic certificate opening system of the present invention;
[0028] Figure 7 is a schematic block diagram of a first example of the device for opening an electronic certificate of the present invention;
[0029] Figure 8 is a schematic block diagram of a second example of the device for opening an electronic certificate according to the present invention.
[0030] 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
Examples of the Invention Implementation pattern of the present invention
[0031] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.
[0032] 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.
[0033] 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 lines 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.
[0034] In the example of the present invention, the issuer (usually the buyer) is the entity applying for the establishment of the electronic certificate to the fund management institution, which may be a natural person, a legal person or other organization, and the issuer is the terminal held by the issuer.
[0035] In this example of the present invention, opening an electronic certificate is actually a Funds-Management server registering the frozen funds under the issuer's account.
[0036] 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:
[0037] 1. After the transaction body to form an order, the issuer (such as 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.)
[0038] 2. After the issuing agency accepts, open electronic certificate and freeze the corresponding amount of funds or credit line.
[0039] 3. The recipient (such as the seller) applies to the receiving authority (such as the receiving bank) for a certificate.
[0040] 4. After the certification body to verify the information to be certified, 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).
[0041] 5. After receiving the certificate of compliance, the electronic certificate to obtain compliance information, change the status of the Bank Credit Certificate, electronic certificate into the receipt period, waiting for the delivery of commodity, and receive the commodity.
[0042] 6. When the issuer to sign the commodity, that is the after receiving the transaction conditions of electronic certificate according to the payment terms of electronic certificate, the receiving issuing apply to the issuing agency for payment.
[0043] 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.
[0044] 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.
[0045] 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.
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.
[0046] In the following, the opening procedure of the electronic certificate will be described in detail through specific examples.
[0047] Please refer to Figure 1 and Figure 2, a first example of the method for opening an electronic certificate of the present invention is proposed, and the method includes the following steps:
[0048] S11, the issuing terminal delivers the issuing request to the Funds-Management server.
[0049] The issuing request includes the issuing amount information, the payer's identity information and the payment account information, which is the account used to provide the guarantee when the electronic certificate is opened. Generally, the issuer is the payer;
alternatively, the payer may also be a third party, i.e., the issuing requests the third party as the electronic certificate payer. In this case, the payer information and the payment account information may also be provided by the third party to the Funds- Provided by Management server.
alternatively, the payer may also be a third party, i.e., the issuing requests the third party as the electronic certificate payer. In this case, the payer information and the payment account information may also be provided by the third party to the Funds- Provided by Management server.
[0050] S12, Funds-Management server verifies the issuing request according to the issuing amount information, the payer identity information and the payment account information.
When the verification is passed, step S13 is executed; if the verification fails, step S14 is executed.
When the verification is passed, step S13 is executed; if the verification fails, step S14 is executed.
[0051] The Funds-Management server process of verifying the issuing request will be explained in detail later.
[0052] S13, Funds-Management server open electronic certificate.
[0053] When the issuing request passes the verification, the Funds-Management server will freeze the funds or credit amount equal to the issuing amount in the payment account and open an electronic certificate. After opening the electronic certificate, it can also notify the issuing terminal of the electronic certificate opened.
[0054] SI4, Funds-Management server refuse to open electronic certificate.
[0055] When the issuing request fails the verification, the Funds-Management server refuses to open the electronic certificate and generates a return message to the issuing terminal to return the issuing application for issuing the certificate.
[0056] In step S12, the Funds-Management server verifies a specific process of issuing a request as shown in Figure 3, and includes the following steps:
[0057] S101, Funds-Management server verifies payer identity information and payment account information. When the verification is successful, step S102 is executed; if the verification fails, step S104 is executed.
[0058] Specifically, Funds-Management server verifies that the identity information of the payer is consistent with the payment account information, and whether the payment account is valid and valid, etc. When the identity information of the payment user matches the payment account information and the payment account is valid, the verification succeeds, otherwise, the verification fails.
[0059] S102, verifying the issuing amount, determining whether the issuing amount is less than or equal to the balance of the fund of the payment account or the balance of the credit limit.
When the opening amount is less than or equal to the balance of the fund of the payment account or the balance of the credit limit, step S103 is executed; when the opening amount is greater than the balance of the fund of the payment account or the balance of the credit limit, step S104 is executed.
When the opening amount is less than or equal to the balance of the fund of the payment account or the balance of the credit limit, step S103 is executed; when the opening amount is greater than the balance of the fund of the payment account or the balance of the credit limit, step S104 is executed.
[0060] S103, determining that the issuing request passes the verification.
[0061] S104, determining whether the issuing request has not passed the verification.
[0062] The order of steps S101 and S102 is not limited, and in some examples, step S102 may be performed first and then step S101.
[0063] Preferably, the Funds-Management server verifies the specific flow of the issuing request as shown in Figure 4, and includes the following steps:
[0064] S201, Funds-Management server verifies payer identity information and payment account information. When the verification is successful, step S202 is executed; if verification fails, step S205 is executed.
[0065] Specifically, Funds-Management server verifies that the identity information of the payer is consistent with the payment account information, and whether the payment account is valid and valid, etc. When the identity information of the payment user matches the payment account information and the payment account is valid, the verification succeeds, otherwise, the verification fails.
[0066] S202, verifying the issuing amount, determining whether the issuing amount is less than or equal to the balance of the fund of the payment account or the balance of the credit limit.
When the opening amount is less than or equal to the balance of the fund of the payment account or the balance of the credit limit, step S203 is executed; when the opening amount is greater than the balance of the fund of the payment account or the balance of the credit limit, step S205 is executed.
When the opening amount is less than or equal to the balance of the fund of the payment account or the balance of the credit limit, step S203 is executed; when the opening amount is greater than the balance of the fund of the payment account or the balance of the credit limit, step S205 is executed.
[0067] S203, verify the issuer and / or the payer to determine whether the issuer and / or payer complies with the prohibition requirement. When the prohibition rule is not met, step S204 is executed; and when the prohibition rule is met, step S205 is executed.
[0068] When the issuer is the payer, it is only necessary to verify whether the payer complies with the prohibition requirement on the basis of the payer identity information.
[0069] When the issuer and the payer are two subjects (i.e., the payer is a third party), only one of the issuer or the payer may be verified for compliance with the prohibition requirement or whether both the issuer and the payer are in conformity with the prohibitive provisions.
[0070] The prohibitory provision includes: when the issuer or/or the payer's credit rating is lower than a certain extent, it will not be issued when the issuer and/or the payer has certain attributes, etc.
[0071] S204, determining that the issuing request passes the verification.
[0072] S205, determining whether the issuing request has not passed the verification.
[0073] The order of steps S201-S203 is not limited, and in some examples, the order of the three steps may be arbitrarily combined.
[0074] Please refer to Figure 5, 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:
[0075] S21, receiving the issuing request delivered by the issuing terminal.
[0076] The issuing request includes the issuing amount information, the payer's identity information and the payment account information, which is the account used to provide the guarantee when the electronic certificate is opened. Generally, the issuer is the payer.
Alternatively, the payer may also be a third party, that is, the issuer requests the third party as an electronic certificate payer. In this case, the payer information and payment account information may also be delivered by a third party to the Funds -Management server.
Alternatively, the payer may also be a third party, that is, the issuer requests the third party as an electronic certificate payer. In this case, the payer information and payment account information may also be delivered by a third party to the Funds -Management server.
[0077] S22, verifies the issuing request according to the issuing amount information, the payer's identity information and the payment account information. When the verification is passed, step S23 is executed; when the verification fails, step S25 is performed.
[0078] Funds-Management server verifies the detailed process of issuing requests as shown in Figure 3 and Figure 4.
[0079] S23, opening an electronic certificate.
[0080] When the issuing request through the verification, Funds-Management server is frozen in the payment account with the issuing amount of money or credit, and open an electronic certificate. After opening the electronic certificate, it can also notify the issuing terminal of the electronic certificate opened.
[0081] S24, the status of the updated electronic certificate is issued.
[0082] After the electronic certificate is opened, the status of the electronic certificate is updated.
[0083] In some examples, step S24 may also be omitted.
[0084] S25, refusing to open an electronic certificate.
[0085] When the issuing request fails the verification, the Funds-Management server refuses to open the electronic certificate and generates a return message to the issuing terminal to notify the issuing terminal of the opening of the electronic certificate.
Therefore, the method for opening an electronic certificate of the present invention. On the one hand, the payment through the electronic certificate reduces the transaction risk. On the other hand, according to the issuing amount information, the identity information of the payer and payment account information, the issuing request is strictly verified, it greatly reduces the risk of electronic certificate opening, and controls the transaction risk from the source, which further reduces the transaction risk.
Therefore, the method for opening an electronic certificate of the present invention. On the one hand, the payment through the electronic certificate reduces the transaction risk. On the other hand, according to the issuing amount information, the identity information of the payer and payment account information, the issuing request is strictly verified, it greatly reduces the risk of electronic certificate opening, and controls the transaction risk from the source, which further reduces the transaction risk.
[0086] Please refer to Figure 6, an example of a system for opening an electronic certificate according to the present invention is proposed, where the system includes an issuing terminal and a Funds-Management server, where:
[0087] The issuing terminal is used to deliver an issuing request to the Funds-Management server, where the issuing request includes opening amount information, payer identity information, and payment account information.
[0088] Funds-Management server is set to verify the issuing request according to the issuing amount information, payer identification information and payment account information;
open the electronic certificate when the issuing request passes the verification; when the issuing request fails to pass the verification, it refuses to open the electronic certificate.
open the electronic certificate when the issuing request passes the verification; when the issuing request fails to pass the verification, it refuses to open the electronic certificate.
[0089] Specifically, the Funds-Management server first verifies the payer's identity information and payment account information; when the verification fails, it determines that the issuing request has not passed the verification; when the verification succeeds, it judges whether the issuing amount is less than or equal to the payment account when the opening amount is less than or equal to the balance of funds or credit balance of the payment account, it is determined that the issuing request passes the verification; otherwise, it is determined that the issuing request has not passed the verification.
[0090] Preferably, the Funds-Management server first verifies payer identity information and payment account information; when the verification fails, it is determined that the issuing request has not passed the verification; when the verification succeeds, it is further judged whether the issuing amount is less than or equal to the payment account of the balance of funds or credit balance, and the issuer and / or the payer complies with the prohibition;
when the opening amount is less than or equal to the balance of the payment account balance or credit limit and the payer does not meet the prohibition, it is determined that the issuing request passes the verification; otherwise, it is determined that the certification request has not been verified.
when the opening amount is less than or equal to the balance of the payment account balance or credit limit and the payer does not meet the prohibition, it is determined that the issuing request passes the verification; otherwise, it is determined that the certification request has not been verified.
[0091] The system for providing an electronic certificate provided by the above example belongs to the same concept as the method example for opening an 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.
[0092] Please refer to Figure 7, a first example of a device for opening an electronic certificate according to the present invention is proposed. The device is applied to the foregoing Funds-Management server, and includes a receiving module, a verification module, and a card issuing module, where:
[0093] Receiving module: it is set to receive the issuing request delivered by the issuing terminal.
[0094] The issuing request includes the issuing amount information, the payer's identity information and the payment account information, which is the account used to provide the guarantee when the electronic certificate is opened. Generally, the issuer is the payer.
Alternatively, the payer may also be a third party, that is, the issuer requests the third party as an electronic certificate payer. In this case, the payer information and payment account information may also be delivered by a third party to the receiver module.
Alternatively, the payer may also be a third party, that is, the issuer requests the third party as an electronic certificate payer. In this case, the payer information and payment account information may also be delivered by a third party to the receiver module.
[0095] The verification module is used to verify the issuing request according to the issuing amount information, the payer identity information and the payment account information.
[0096] The opening of the module: it is set to open when the issuing request through the verification, open electronic certificate; refused to open electronic certificate when the issuance of the request failed.
[0097] Specifically, the verification module first verifies the payer's identity information and payment account information; when the verification fails, it determines that the issuing request has not passed the verification; when the verification is successful, it judges whether the issuing amount is less than or equal to the funds of the payment account balance or credit line balance; when the opening amount is less than or equal to the balance of fund balance or credit line of the payment account, it is determined that the issuing request passes the verification; otherwise, it is determined that the issuing request has not passed the verification.
[0098] Preferably, the opening verification module first verifies payer identity information and payment account information; when the verification fails, it is determined that the issuing request has not passed the verification; when the verification succeeds, it is further judged whether the issuing amount is less than or equal to the payment account of the balance of funds or credit balance, and the issuer and / or the payer complies with the prohibition;
when the opening amount is less than or equal to the balance of the payment account balance or credit limit and the payer does not meet the prohibition, it is determined that the issuing request passes the verification; otherwise, it is determined that the certification request has not been verified.
when the opening amount is less than or equal to the balance of the payment account balance or credit limit and the payer does not meet the prohibition, it is determined that the issuing request passes the verification; otherwise, it is determined that the certification request has not been verified.
[0099] 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.
[0100] 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.
[0101] Therefore, the device for opening the electronic certificate of the present invention, on the one hand, the payment through the electronic certificate reduces the transaction risk. On the other hand, according to the issuing amount information, the identity information of the payer and payment account information, the issuing request is strictly verified, it greatly reduces the risk of electronic certificate opening, and controls the transaction risk from the source, which further reduces the transaction risk.
[0102] It will be understood by the ordinary skill in the field 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.
[0103] 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.
Industrial utility
Industrial utility
[0104] The present invention provides a method, system and device for opening an electronic certificate. On the one hand, the payment through the electronic certificate reduces the transaction risk. On the other hand, according to the issuing amount information, the identity information of the payer and payment account information, the issuing request is strictly verified, it greatly reduces the risk of electronic certificate opening, and controls the transaction risk from the source, which further reduces the transaction risk.
Therefore, it has industrial applicability.
Therefore, it has industrial applicability.
Claims (10)
- [Claim 1] A method for opening an electronic certificate, including the following steps:
The issuing terminal delivers the issuing request to the Funds-Management server, where the issuing request includes the issuing amount information, the payer's identity information and the payment account information;
The Funds-Management server verifying the issuing request according to the issuing amount information, the payer's identity information and the payment account information;
When the issuing request passes the verification, the Funds-Management server opens an electronic certificate;
When the issuing request fails the verification, the Funds-Management server refuses to open an electronic certificate. - [Claim 2] A method for opening an electronic certificate applied to a Funds-Management server, including the following steps:
Receiving a card issuing request delivered by a broker terminal, wherein the card issuing request comprises card issuing amount information, payer identity information and payment account information;
Verifying the issuing request according to the issuing amount information, payer identification information and payment account information;
When the issuing request passes the verification, an electronic certificate is opened, and when the issuing request fails the verification, the electronic certificate is rejected. - [Claim 3] The method for opening an electronic certificate according to Claim 2, wherein the verifying the issuing request according to the issuing amount information, the payer's identity information and the payment account information includes:
Verify the payer identity information and payment account information;
When the verification fails, determining that the issuing request has not passed the verification;
When the verification is successful, determining whether the issuing amount is less than or equal to the fund balance or the credit limit balance of the payment account;
When the issuing amount is less than or equal to the balance of funds or the credit limit of the payment account, determining that the issuing request passes the verification; otherwise, determining that the issuing request has not passed the verification. - [Claim 4] According to the method for opening the electronic certificate in Claim 2, wherein the verifying the issuing request according to the issuing amount information, the payer's identity information and the payment account information includes:
Verify the payer identity information and payment account information;
When the verification fails, determining that the issuing request has not passed the verification;
When the verification is successful, determining whether the issuing amount is less than or equal to the fund balance or the credit limit balance of the payment account, and whether the issuer and / or the payer meet the prohibition requirement;
When the issuing amount is less than or equal to the fund balance or the credit limit balance of the payment account and the payer does not comply with the forbidden requirement, determine that the issuing request passes the verification;
otherwise, determine that the issuing request is not approved. - [Claim 5] The method for opening an electronic certificate according to any one of claims 2 to 4, wherein the method also includes:
After the electronic certificate is opened, the status of the electronic certificate is updated. - [Claim 6] A system for opening an electronic certificate, including an issuing terminal and a Funds-Management server, wherein:
The issuing terminal is used to deliver an issuing request to the Funds-Management server, where the issuing request includes opening amount information, payer identity information, and payment account information;
Funds-Management server is set to verify the issuing request according to the issuing amount information, payer identification information and payment account information; open the electronic certificate when the issuing request passes the verification; when the issuing request fails to pass the verification, it refuses to open the electronic certificate. - [Claim 7] A device for establishing an electronic certificate applied to a Funds-Management server, including:
A receiving module is used to receive a card issuing request delivered by an issuing terminal, wherein the card issuing request includes card opening amount information, payer identity information and payment account information;
A verification module is set to verify the issuing request according to the issuing amount information, payer's identity information and payment account information;
An issuing module is set to open an electronic certificate when the issuing request passes the verification; and refuse to open an electronic certificate when the issuing request fails the verification. - [Claim 8] According to the device for opening the electronic certificate in Claim 7, wherein the verification module is used to:
Verify the payer identity information and payment account information;
When the verification fails, determining that the issuing request has not passed the verification;
When the verification is successful, determining whether the issuing amount is less than or equal to the fund balance or the credit limit balance of the payment account;
When the issuing amount is less than or equal to the balance of funds or the credit limit of the payment account, determining that the issuing request passes the verification; otherwise, determining that the issuing request has not passed the verification. - [Claim 9] According to the device for opening the electronic certificate in Claim 7, wherein the verification module is used to:
Verify the payer identity information and payment account information;
When the verification fails, determining that the issuing request has not passed the verification;
When the verification is successful, determining whether the issuing amount is less than or equal to the fund balance or the credit limit balance of the payment account, and whether the issuer and / or the payer meet the prohibition requirement;
When the issuing amount is less than or equal to the fund balance or the credit limit balance of the payment account and the payer does not comply with the forbidden requirement, determine that the issuing request passes the verification, otherwise, determine that the issuing request is not approved. - [Claim 10] According to the device for opening an electronic certificate in any one of claims 7-9, wherein the device also includes:
Update module is set to open the electronic certificate after updating the status of the electronic certificate.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084654 WO2017012057A1 (en) | 2015-07-21 | 2015-07-21 | Method, system and device for opening electronic certificate |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA2994354A1 true CA2994354A1 (en) | 2017-01-26 |
Family
ID=57833754
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2994354A Pending CA2994354A1 (en) | 2015-07-21 | 2015-07-21 | Method, system and device for opening electronic certificate |
Country Status (2)
| Country | Link |
|---|---|
| CA (1) | CA2994354A1 (en) |
| WO (1) | WO2017012057A1 (en) |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101345898A (en) * | 2007-07-11 | 2009-01-14 | 北京方维银通科技有限公司 | Electronic warrant payment platform, system and method |
| CN101377838A (en) * | 2007-08-30 | 2009-03-04 | 北京方维银通科技有限公司 | Data safety processing method |
| CN101281627A (en) * | 2008-05-14 | 2008-10-08 | 深圳市永达电子有限公司 | Safety payment method and system based on electric contract operation |
-
2015
- 2015-07-21 WO PCT/CN2015/084654 patent/WO2017012057A1/en active Application Filing
- 2015-07-21 CA CA2994354A patent/CA2994354A1/en active Pending
Also Published As
| Publication number | Publication date |
|---|---|
| WO2017012057A1 (en) | 2017-01-26 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN103186861B (en) | Electric paying method based on cloud data processing technique | |
| KR101457750B1 (en) | System and method for effecting real-time financial transactions between delayed-settlement financial accounts | |
| CN101627574A (en) | The system and method that is used for the transaction vetting service | |
| CN106372911A (en) | Method, system and apparatus for opening electronic certificate | |
| CA2994905C (en) | Method, device and system for opening electronic certificate | |
| KR20160149596A (en) | Method for providing financial service using virtual account | |
| CA2993106A1 (en) | Method, system and device for opening electronic certificate | |
| CN106709802A (en) | Electronic voucher issuing method, system and device | |
| CA2994354A1 (en) | Method, system and device for opening electronic certificate | |
| CA2993049C (en) | Electronic certificate payment method, system and device | |
| CA2994576C (en) | Electronic certificate payment method, system and device | |
| CA2993108C (en) | Method, device and system for opening electronic certificate | |
| CA2993062C (en) | Electronic certificate issuing method, and data interaction processing method, device and system | |
| CA2994569C (en) | Electronic certificate payment method, system and device | |
| CA3012997C (en) | Electronic certificate payment method and device | |
| CA2994881C (en) | Electronic certificate payment method and device | |
| CA2993050C (en) | Electronic certificate receiving method, device and system | |
| CA2993105C (en) | Electronic certificate receiving method and device | |
| CA2993052C (en) | Network payment method, system and device | |
| CA2994574C (en) | Electronic certificate fulfillment information transmission method, device and system | |
| CA2993252C (en) | Method, system, and device for batch issuing electronic certificates | |
| CA2993089C (en) | Online transaction method, device and system | |
| CA2994342C (en) | Network payment method, system and device | |
| CA2993059A1 (en) | Electronic certificate receiving method, device and system | |
| CA2994349A1 (en) | Certificate receiving method, apparatus, and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| EEER | Examination request |
Effective date: 20200714 |
|
| EEER | Examination request |
Effective date: 20200714 |
|
| EEER | Examination request |
Effective date: 20200714 |
|
| EEER | Examination request |
Effective date: 20200714 |
|
| EEER | Examination request |
Effective date: 20200714 |
|
| EEER | Examination request |
Effective date: 20200714 |
|
| EEER | Examination request |
Effective date: 20200714 |
|
| EEER | Examination request |
Effective date: 20200714 |
|
| EEER | Examination request |
Effective date: 20200714 |
|
| EEER | Examination request |
Effective date: 20200714 |
|
| EEER | Examination request |
Effective date: 20200714 |
|
| EEER | Examination request |
Effective date: 20200714 |