CA3224059A1 - Method, system and device for opening electronic certificate - Google Patents
Method, system and device for opening electronic certificateInfo
- Publication number
- CA3224059A1 CA3224059A1 CA3224059A CA3224059A CA3224059A1 CA 3224059 A1 CA3224059 A1 CA 3224059A1 CA 3224059 A CA3224059 A CA 3224059A CA 3224059 A CA3224059 A CA 3224059A CA 3224059 A1 CA3224059 A1 CA 3224059A1
- Authority
- CA
- Canada
- Prior art keywords
- funds
- amount
- electronic certificate
- opening
- 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 103
- 238000012795 verification Methods 0.000 claims abstract description 52
- 230000008014 freezing Effects 0.000 claims description 4
- 238000007710 freezing Methods 0.000 claims description 4
- 230000004075 alteration Effects 0.000 abstract 2
- 238000007726 management method Methods 0.000 description 68
- 238000012550 audit Methods 0.000 description 6
- 238000012508 change request Methods 0.000 description 5
- 238000010586 diagram Methods 0.000 description 5
- 230000008520 organization Effects 0.000 description 3
- 230000009286 beneficial effect Effects 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 101150023977 Baat gene Proteins 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
- 238000012384 transportation and delivery Methods 0.000 description 1
Classifications
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/045—Payment circuits using payment protocols involving tickets
- G06Q20/0457—Payment circuits using payment protocols involving tickets the tickets being sent electronically
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
-
- G—PHYSICS
- G06—COMPUTING; 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
Abstract
A method, system and device for opening an electronic certificate, the method comprising: an issuing end sends an issuing request to a funds management server; the funds management server starts to open an electronic certificate according to the issuing request; within an issuing process, the issuing end sends an issuing amount alteration request to the funds management server; upon agreeing to alter an issuing amount, the funds management server verifies the altered issuing amount; after verification has been passed, the funds management server freezes funds, equal to the altered issuing amount and opens the electronic certificate. Opening an electronic certificate having a payment commitment function reduces transaction risk, and allowing an issuing amount alteration request to be submitted at any time within an electronic certificate opening process without it being necessary to resubmit an opening request increases the flexibility and efficiency of opening the electronic certificate.
Description
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 and a 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 to reduce transaction risk and increase the flexibility and efficiency of opening an electronic certificate.
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;
[0007] The Funds-Management server starts to open the electronic certificate according to the issuing request;
[0008] During the issuing process, the issuing terminal delivers a request for changing the issuing Date regue/Date received 2023-12-20 amount to the Funds-Management server, where the request for changing the issuing amount includes the changed issuing amount information;
[0009] When the Funds-Management server agrees to change the issuing amount, verify the changed issuing amount;
[0010] After the verification is passed, the Funds-Management server may open an electronic certificate after the funds or credit amount equal to the changed opening amount in the payment account of the Funds-Management server is frozen.
[0011] The present invention also proposes a method for opening an electronic certificate applied to a Funds-Management server, including the following steps:
[0012] The electronic certificate issuance is started according to the issuing request delivered by the issuing terminal, where the issuing request includes the issuing amount information;
[0013] During the process of issuing a certificate, a request of changing a card issuing amount delivered by an issuing terminal is received, wherein the request for changing the card issuing amount includes the changed card issuing amount information;
[0014] When agreeing to change the amount of the issuing bank, the issuing amount is verified after the change is made;
[0015] When the verification is passed, the freezing of the payment account with the altered amount of the opening of the amount of credit or credit to open an electronic certificate.
[0016] The present invention also proposes another method for opening electronic certificate applied to the issuing terminal, including the following steps:
[0017] Deliver a Funds-Management server issuing a request, the issuing request includes the issuing amount of information;
[0018] During the issuing process, delivers a request for changing the issuing amount to the Funds-Management server, where the request for changing the issuing amount includes the changed issuing amount information.
[0019] The present invention also provides a system for opening electronic certificate, including issuing terminal and Funds-Management server, wherein:
[0020] The issuing terminal is used to deliver an issuing request to the Funds-Management server, where the issuing request includes the issuing amount information. During the issuance process, a change issuance amount request is delivered to the Funds-Management server, the change issuance amount request includes the changed opening amount information;
[0021] The Funds-Management server is used to open an electronic certificate according to the issuing request. When receiving the request for changing the issuing amount, when the user agrees to change the issuing amount, the changed issuing certificate after the verification is passed, the electronic certificate is frozen after the funds in the payment account equal to Date regue/Date received 2023-12-20 the changed issuing amount or the credit limit are opened.
[0022] The present invention also proposes a device applied to Funds-Management server to open an electronic certificate, including:
[0023] The first card issuing module is used to start the electronic certificate opening according to the issuing request delivered by the issuing terminal, where the issuing request includes the issuing amount information;
[0024] The change module is used to receive a change card amount request in the process of issuing a certificate, where the change card amount request includes the changed card amount information, and when the card amount is agreed to be changed, deliver the changed issuing amount information to a verification module;
[0025] A verification module is used to verify the changed issuing amount;
[0026] The second issuing module is used to open an electronic certificate after the verification is passed, the funds in the payment account that is equal to the changed opening card amount or the credit limit are frozen.
[0027] The present invention also proposes another device for opening electronic certificate applied to the issuing terminal, including:
[0028] A card issuing request module is used to deliver a Funds-Management server a certificate request, the card issuing request includes the card amount information;
[0029] The change request module is used to deliver a request for changing the issuing amount to the Funds-Management server, where the request for changing the issuing amount includes the changed issuing amount information.
The beneficial effect of the invention Beneficial effect
The beneficial effect of the invention Beneficial effect
[0030] By adopting the method, system and device for opening the electronic certificate provided by the present invention, an electronic certificate with a committed payment function can be opened to reduce the transaction risk and allow the electronic certificate to be opened during the process of opening the electronic certificate. At any time proposed to change the issuing amount of the request, without having to re-submit the request to open electronic certificate, to improve the flexibility and efficiency of opened electronic certificate.
A brief description of the drawings Brief Description
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;
Date regue/Date received 2023-12-20
Date regue/Date received 2023-12-20
[0033] Figure 3 is a flow chart of a second example of the method for opening an electronic certificate according to the present invention;
[0034] Figure 4 is a flow chart of the third example of the method of opening an electronic certificate of the present invention;
[0035] Figure 5 is a schematic block diagram of an example of the system for opening an electronic certificate of the present invention;
[0036] Figure 6 is a schematic block diagram of a first example of the device for opening an electronic certificate of the present invention;
[0037] Figure 7 is a schematic block diagram of a second example of an electronic certificate opening device of the present invention;
[0038] Figure 8 is a schematic block diagram of a third example of a device for opening an electronic certificate according to the present invention.
[0039] 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
[0040] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.
[0041] 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.
[0042] 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.
[0043] 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.
[0044] 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.
Date regue/Date received 2023-12-20
Date regue/Date received 2023-12-20
[0045] 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:
[0046] 1. After the transaction body forms 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.)
[0047] 2. After the issuing agency accepts, open electronic certificate and freeze the corresponding amount of funds or credit line.
[0048] 3. The recipient (such as the seller) apply to the receiving authority (such as the receiving bank) for a certificate.
[0049] 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).
[0050] 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.
[0051] 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.
[0052] 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.
[0053] 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.
[0054] 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.
Date regue/Date received 2023-12-20
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.
Date regue/Date received 2023-12-20
[0055] In the following, the opening procedure of the electronic certificate will be described in detail through specific examples.
[0056] Please refer to Figure 1 and Figure 2, a first example of a method for opening an electronic certificate according to the present invention is proposed. The method includes the following steps: [0057] Si!: An issuing terminal delivers an issuing request to a Funds-Management server.
[0058] The issuing request includes at least the issuing amount information, and may also include payment account information, i.e, the account used to provide the guarantee when the electronic certificate is opened.
[0059] In some examples, the payment account information may also be provided by a third party.
That is, the issuing party requests the third party as an electronic certificate payment user, and the third party provides payment account information to the Funds-Management server.
[0060] S12, Funds-Management server begins to open the electronic certificate according to the issuing request.
[0061] Specifically, the Funds-Management server verifies the information such as the payment account, the identity of the payer and the amount of the issuing certificate, and opens the electronic certificate when the verification is successful, and does not open the electronic certificate if the verification fails.
[0062] S13, the issuing terminal delivers a request for changing the issuing amount to the Funds-Management server.
[0063] During the issuing process, the issuing terminal may at any time make a request to the Funds-Management server to change the issuing amount, which includes the changed issuing amount information.
[0064] In S14, the Funds-Management server receives the request for changing the issuing amount. When it is agreed to change the issuing amount, step S15 is executed;
otherwise, the process ends.
[0065] After receiving the request for changing the issuing amount, the Funds-Management server first checks whether the request for changing the issuing amount meets the conditions, such as including time conditions (such as whether the electronic certificate was successfully opened) or other prohibited conditions and so on. When the approval is passed, it is agreed to change the issuing amount, stop the original issuing process, and may give feedback to the issuing terminal about the change of the issuing amount. When the audit fails, refuse to change the issuing amount, and feedback to the issuing terminal to refuse to change the opening amount; At this point, if the audit did not pass because the electronic certificate Date regue/Date received 2023-12-20 has been opened, then notify the issuing terminal; if the reason for the failure of the audit is not consistent with other prohibited conditions, then continue the original issuing process or ask the issuing party to continue the original issuing process.
[0066] S15, Funds-Management server validates the change of the issuing amount. After the verification is passed, step S16 is executed, otherwise, the flow is ended.
[0067] Specifically, the Funds-Management server verifies whether the changed issuing amount is less than or equal to the fund balance or the credit limit of the payment account; when the amount of the change is less than or equal to the balance of the balance of the fund or the credit line of the payment account, the verification is passed; otherwise, the verification is failed. When the verification fails, you can notify the opening terminal and ask whether the opening terminal will continue the original opening process.
[0068] S16, Funds-Management server freezes the payment account with the change of the issuing amount of money or credit amount to open an electronic certificate.
[0069] Specifically, when the identity of the payer, the payment account, the changed issuing amount of money and other information are verified, the Funds-Management server freezes the money or the credit amount equal to the changed issuing amount in the payment account and opens an electronic certificate. After the completion of electronic certificate, the Funds-Management server can also notify the issuing terminal of electronic certificate to be completed.
[0070] Please refer to Figure 3, 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:
[0071] S21, starting the electronic certificate opening according to the issuing request delivered by the issuing terminal.
[0072] The issuing request includes at least the issuing amount information, and may also include payment account information, i.e, the account used to provide the guarantee when the electronic certificate is opened. In some examples, the payment account information may also be provided by a third party as an electronic certificate payment user, and the third party provides payment account information to the Funds-Management server.
[0073] After receiving the issuing request, the Funds-Management server verifies the information such as the payment account, the identity of the payer and the amount of the issuing certificate, and opens the electronic certificate when the verification is successful, and does not open the electronic certificate if the verification fails.
[0074] S22, receive the issuing terminal to change the issuing amount of the request to determine whether to agree to change the issuing amount. When it is agreed to change the issuing Date regue/Date received 2023-12-20 amount, step S23 is executed; otherwise, the process ends.
[0075] During the issuing process, the issuing terminal may at any time make a request to the Funds-Management server to change the issuing amount, which includes the changed issuing amount information.
[0076] After receiving the request for changing the issuing amount, the Funds-Management server first checks whether the request for changing the issuing amount meets the conditions, such as including time conditions (such as whether the electronic certificate was successfully opened) or other prohibited conditions and so on. When the approval is passed, it is agreed to change the issuing amount, stop the original issuing process, and may give feedback to the issuing terminal about the change of the issuing amount. When the audit fails, refuse to change the issuing amount, and feedback to the issuing terminal to refuse to change the opening amount; At this point, if the audit did not pass because the electronic certificate has been opened, then notify the issuing terminal; if the reason for the failure of the audit is not consistent with other prohibited conditions, then continue the original issuing process or ask the issuing party to continue the original issuing process.
[0077] S23, to verify the change of the issuing amount. After the verification is passed, step S16 is executed, otherwise, the flow is ended.
[0078] Specifically, the Funds-Management server verifies whether the changed issuing amount is less than or equal to the fund balance or the credit limit of the payment account; when the amount of the change is less than or equal to the balance of the balance of the fund or the credit line of the payment account, the verification is passed; otherwise, the verification is failed. When the verification fails, you can notify the opening terminal and ask whether the opening terminal will continue the original opening process.
[0079] S24, freezes the payment account with the change of the issuing amount of money or credit amount to open an electronic certificate.
[0080] Specifically, when the identity of the payer, the payment account, the changed issuing amount of money and other information are verified, the Funds-Management server freezes the money or the credit amount equal to the changed issuing amount in the payment account and opens an electronic certificate. After the completion of electronic certificate, the Funds-Management server can also notify the issuing terminal of electronic certificate to be completed.
[0081] S25, the status of the updated electronic certificate is issued.
[0082] In some examples, step S25 may also be omitted.
[0083] In the foregoing example, only a change in the amount of the opening is made. In fact, in the process of opening the certificate, the amount of the opening of the certificate can be Date regue/Date received 2023-12-20 changed two times or even many times before the certificate is successfully opened. For example, before step S16 or S24, the issuing terminal may also request the Funds-Management server to make a second change to the issuing amount, and before the successful opening of the electronic certificate, you can make a third change, and so on.
[0084] Please refer to Figure 4, a third example of the method for opening an electronic certificate according to the present invention is proposed, and the method in this example is applied to an issuing terminal. The method includes the following steps:
[0085] S31: Deliver a certificate issuing request to the Funds-Management server.
[0086] The issuing terminal may deliver the issuing request to the Funds-Management server through the web page or the application.
[0087] The issuing request includes at least the issuing amount information, and may also include payment account information, i.e, the account used to provide the guarantee when the electronic certificate is opened.
[0088] In some examples, the payment account information may also be provided by a third party.
That is, the issuing party requests the third party as an electronic certificate payment user, and the third party provides payment account information to the Funds-Management server.
[0089] S32. In the process of issuing a certificate, deliver a request for changing the issuing amount to the Funds-Management server.
[0090] During the issuing process, the issuing terminal may at any time make a request to the Funds-Management server to change the issuing amount, which includes the changed issuing amount information. After delivering the change request, it receives the feedback delivered by the Funds-Management server and can make feedback to the Funds-Management server according to the feedback information, such as continuing or terminating the original issuing process.
[0091] Thus, the method for opening an electronic certificate of the present invention may at any time propose to the fund management institution to change the issuing amount of an electronic certificate during the process of opening an electronic certificate without having to re-submit the 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.
[0092] Please refer to Figure 5, 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:
[0093] The issuing terminal is used to deliver an issuing request to the Funds-Management server, Date regue/Date received 2023-12-20 where the issuing request includes the issuing amount information. During the issuance process, a change issuance amount request is delivered to the Funds-Management server, the change issuance amount request includes the changed opening amount information.
[0094] The Funds-Management server is used to open an electronic certificate according to the issuing request. When receiving the request for changing the issuing amount, when the user agrees to change the issuing amount, the changed issuing certificate after the verification is passed, the electronic certificate is frozen after the funds in the payment account equal to the changed issuing amount or the credit limit are opened.
[0095] 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.
[0096] Figure 6, 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:
[0097] The first card issuing module is used to receive the issuing request delivered by the issuing terminal, and to start the electronic certificate opening according to the issuing request.
[0098] The issuing request includes at least the issuing amount information, and may also include payment account information, i.e, the account used to provide the guarantee when the electronic certificate is opened. In some examples, the payment account information may also be provided by a third party. That is, the issuing party requests the third party as an electronic certificate payment user, and the third party provides payment account information to the receiving module.
[0099] The change module is used to receive a change card amount request in the process of issuing a certificate, where the change card amount request includes the changed card amount information, and when the card amount is agreed to be changed, deliver the changed issuing amount information to a verification module.
[0100] A verification module is used to verify the changed issuing amount.
[0101] The second issuing module is used to open an electronic certificate after the verification is passed, and the funds in the payment account that is equal to the changed opening card amount or the credit limit are frozen.
[0102] Specifically, the verification module verifies whether the changed issuing amount is less than or equal to the fund balance or the credit limit balance of the payment account; when the amount of the change is less than or equal to the balance of the balance of the fund or to Date regue/Date received 2023-12-20 the credit line of the payment account, the verification is passed; otherwise, the verification is failed.
[0103] When the identity of the payer, the payment account, the changed issuing amount of money and other information are verified, the second issuing module blocks the amount of money or credit line equal to the changed issuing amount in the payment account and opens electronic certificate. After the electronic certificate is opened, the second issuing module can also notify the issuing terminal of the completion of the electronic certificate.
[0104] Figure 7 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.
[0105] Figure 8, 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 foregoing issuing terminal. The device includes a card issuing and requesting module and a change request module, wherein:
[0106] Issuing request module: set to deliver Funds-Management server issuing request.
[0107] The issuing request includes at least the issuing amount information, and may also include payment account information, i.e, the account used to provide the guarantee when the electronic certificate is opened. In some examples, the payment account information may also be provided by a third party as an electronic certificate payment user, and the third party provides payment account information to the Funds-Management server.
[0108] The change request module is used to deliver a request for changing the issuing amount to the Funds-Management server, where the request for changing the issuing amount includes the changed issuing amount information. After delivering the change request, it receives the feedback delivered by the Funds-Management server and can make feedback to the Funds-Management server according to the feedback information, such as continuing or terminating the original issuing process.
[0109] 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.
[0110] Therefore, the device for opening the electronic certificate of the present invention may propose to change the issuing amount at any time during the process of opening the Date regue/Date received 2023-12-20 electronic certificate without the need to re-submit the 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.
[0111] A person of skill in the art understands 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.
[01121 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 transfolination 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.
[0113] By adopting the method, system and device for opening the electronic certificate provided by the present invention, an electronic certificate with a committed payment function can be opened to reduce the transaction risk and allow the electronic certificate to be opened during the process of opening the electronic certificate. At any time proposed to change the issuing amount of the request, without having to re-submit the request to open electronic certificate, to improve the flexibility and efficiency of opened electronic certificate.
Therefore, it has industrial applicability.
Baat 11-StuutiteRrecAvig3FOA4- e- 2 0
[0058] The issuing request includes at least the issuing amount information, and may also include payment account information, i.e, the account used to provide the guarantee when the electronic certificate is opened.
[0059] In some examples, the payment account information may also be provided by a third party.
That is, the issuing party requests the third party as an electronic certificate payment user, and the third party provides payment account information to the Funds-Management server.
[0060] S12, Funds-Management server begins to open the electronic certificate according to the issuing request.
[0061] Specifically, the Funds-Management server verifies the information such as the payment account, the identity of the payer and the amount of the issuing certificate, and opens the electronic certificate when the verification is successful, and does not open the electronic certificate if the verification fails.
[0062] S13, the issuing terminal delivers a request for changing the issuing amount to the Funds-Management server.
[0063] During the issuing process, the issuing terminal may at any time make a request to the Funds-Management server to change the issuing amount, which includes the changed issuing amount information.
[0064] In S14, the Funds-Management server receives the request for changing the issuing amount. When it is agreed to change the issuing amount, step S15 is executed;
otherwise, the process ends.
[0065] After receiving the request for changing the issuing amount, the Funds-Management server first checks whether the request for changing the issuing amount meets the conditions, such as including time conditions (such as whether the electronic certificate was successfully opened) or other prohibited conditions and so on. When the approval is passed, it is agreed to change the issuing amount, stop the original issuing process, and may give feedback to the issuing terminal about the change of the issuing amount. When the audit fails, refuse to change the issuing amount, and feedback to the issuing terminal to refuse to change the opening amount; At this point, if the audit did not pass because the electronic certificate Date regue/Date received 2023-12-20 has been opened, then notify the issuing terminal; if the reason for the failure of the audit is not consistent with other prohibited conditions, then continue the original issuing process or ask the issuing party to continue the original issuing process.
[0066] S15, Funds-Management server validates the change of the issuing amount. After the verification is passed, step S16 is executed, otherwise, the flow is ended.
[0067] Specifically, the Funds-Management server verifies whether the changed issuing amount is less than or equal to the fund balance or the credit limit of the payment account; when the amount of the change is less than or equal to the balance of the balance of the fund or the credit line of the payment account, the verification is passed; otherwise, the verification is failed. When the verification fails, you can notify the opening terminal and ask whether the opening terminal will continue the original opening process.
[0068] S16, Funds-Management server freezes the payment account with the change of the issuing amount of money or credit amount to open an electronic certificate.
[0069] Specifically, when the identity of the payer, the payment account, the changed issuing amount of money and other information are verified, the Funds-Management server freezes the money or the credit amount equal to the changed issuing amount in the payment account and opens an electronic certificate. After the completion of electronic certificate, the Funds-Management server can also notify the issuing terminal of electronic certificate to be completed.
[0070] Please refer to Figure 3, 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:
[0071] S21, starting the electronic certificate opening according to the issuing request delivered by the issuing terminal.
[0072] The issuing request includes at least the issuing amount information, and may also include payment account information, i.e, the account used to provide the guarantee when the electronic certificate is opened. In some examples, the payment account information may also be provided by a third party as an electronic certificate payment user, and the third party provides payment account information to the Funds-Management server.
[0073] After receiving the issuing request, the Funds-Management server verifies the information such as the payment account, the identity of the payer and the amount of the issuing certificate, and opens the electronic certificate when the verification is successful, and does not open the electronic certificate if the verification fails.
[0074] S22, receive the issuing terminal to change the issuing amount of the request to determine whether to agree to change the issuing amount. When it is agreed to change the issuing Date regue/Date received 2023-12-20 amount, step S23 is executed; otherwise, the process ends.
[0075] During the issuing process, the issuing terminal may at any time make a request to the Funds-Management server to change the issuing amount, which includes the changed issuing amount information.
[0076] After receiving the request for changing the issuing amount, the Funds-Management server first checks whether the request for changing the issuing amount meets the conditions, such as including time conditions (such as whether the electronic certificate was successfully opened) or other prohibited conditions and so on. When the approval is passed, it is agreed to change the issuing amount, stop the original issuing process, and may give feedback to the issuing terminal about the change of the issuing amount. When the audit fails, refuse to change the issuing amount, and feedback to the issuing terminal to refuse to change the opening amount; At this point, if the audit did not pass because the electronic certificate has been opened, then notify the issuing terminal; if the reason for the failure of the audit is not consistent with other prohibited conditions, then continue the original issuing process or ask the issuing party to continue the original issuing process.
[0077] S23, to verify the change of the issuing amount. After the verification is passed, step S16 is executed, otherwise, the flow is ended.
[0078] Specifically, the Funds-Management server verifies whether the changed issuing amount is less than or equal to the fund balance or the credit limit of the payment account; when the amount of the change is less than or equal to the balance of the balance of the fund or the credit line of the payment account, the verification is passed; otherwise, the verification is failed. When the verification fails, you can notify the opening terminal and ask whether the opening terminal will continue the original opening process.
[0079] S24, freezes the payment account with the change of the issuing amount of money or credit amount to open an electronic certificate.
[0080] Specifically, when the identity of the payer, the payment account, the changed issuing amount of money and other information are verified, the Funds-Management server freezes the money or the credit amount equal to the changed issuing amount in the payment account and opens an electronic certificate. After the completion of electronic certificate, the Funds-Management server can also notify the issuing terminal of electronic certificate to be completed.
[0081] S25, the status of the updated electronic certificate is issued.
[0082] In some examples, step S25 may also be omitted.
[0083] In the foregoing example, only a change in the amount of the opening is made. In fact, in the process of opening the certificate, the amount of the opening of the certificate can be Date regue/Date received 2023-12-20 changed two times or even many times before the certificate is successfully opened. For example, before step S16 or S24, the issuing terminal may also request the Funds-Management server to make a second change to the issuing amount, and before the successful opening of the electronic certificate, you can make a third change, and so on.
[0084] Please refer to Figure 4, a third example of the method for opening an electronic certificate according to the present invention is proposed, and the method in this example is applied to an issuing terminal. The method includes the following steps:
[0085] S31: Deliver a certificate issuing request to the Funds-Management server.
[0086] The issuing terminal may deliver the issuing request to the Funds-Management server through the web page or the application.
[0087] The issuing request includes at least the issuing amount information, and may also include payment account information, i.e, the account used to provide the guarantee when the electronic certificate is opened.
[0088] In some examples, the payment account information may also be provided by a third party.
That is, the issuing party requests the third party as an electronic certificate payment user, and the third party provides payment account information to the Funds-Management server.
[0089] S32. In the process of issuing a certificate, deliver a request for changing the issuing amount to the Funds-Management server.
[0090] During the issuing process, the issuing terminal may at any time make a request to the Funds-Management server to change the issuing amount, which includes the changed issuing amount information. After delivering the change request, it receives the feedback delivered by the Funds-Management server and can make feedback to the Funds-Management server according to the feedback information, such as continuing or terminating the original issuing process.
[0091] Thus, the method for opening an electronic certificate of the present invention may at any time propose to the fund management institution to change the issuing amount of an electronic certificate during the process of opening an electronic certificate without having to re-submit the 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.
[0092] Please refer to Figure 5, 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:
[0093] The issuing terminal is used to deliver an issuing request to the Funds-Management server, Date regue/Date received 2023-12-20 where the issuing request includes the issuing amount information. During the issuance process, a change issuance amount request is delivered to the Funds-Management server, the change issuance amount request includes the changed opening amount information.
[0094] The Funds-Management server is used to open an electronic certificate according to the issuing request. When receiving the request for changing the issuing amount, when the user agrees to change the issuing amount, the changed issuing certificate after the verification is passed, the electronic certificate is frozen after the funds in the payment account equal to the changed issuing amount or the credit limit are opened.
[0095] 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.
[0096] Figure 6, 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:
[0097] The first card issuing module is used to receive the issuing request delivered by the issuing terminal, and to start the electronic certificate opening according to the issuing request.
[0098] The issuing request includes at least the issuing amount information, and may also include payment account information, i.e, the account used to provide the guarantee when the electronic certificate is opened. In some examples, the payment account information may also be provided by a third party. That is, the issuing party requests the third party as an electronic certificate payment user, and the third party provides payment account information to the receiving module.
[0099] The change module is used to receive a change card amount request in the process of issuing a certificate, where the change card amount request includes the changed card amount information, and when the card amount is agreed to be changed, deliver the changed issuing amount information to a verification module.
[0100] A verification module is used to verify the changed issuing amount.
[0101] The second issuing module is used to open an electronic certificate after the verification is passed, and the funds in the payment account that is equal to the changed opening card amount or the credit limit are frozen.
[0102] Specifically, the verification module verifies whether the changed issuing amount is less than or equal to the fund balance or the credit limit balance of the payment account; when the amount of the change is less than or equal to the balance of the balance of the fund or to Date regue/Date received 2023-12-20 the credit line of the payment account, the verification is passed; otherwise, the verification is failed.
[0103] When the identity of the payer, the payment account, the changed issuing amount of money and other information are verified, the second issuing module blocks the amount of money or credit line equal to the changed issuing amount in the payment account and opens electronic certificate. After the electronic certificate is opened, the second issuing module can also notify the issuing terminal of the completion of the electronic certificate.
[0104] Figure 7 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.
[0105] Figure 8, 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 foregoing issuing terminal. The device includes a card issuing and requesting module and a change request module, wherein:
[0106] Issuing request module: set to deliver Funds-Management server issuing request.
[0107] The issuing request includes at least the issuing amount information, and may also include payment account information, i.e, the account used to provide the guarantee when the electronic certificate is opened. In some examples, the payment account information may also be provided by a third party as an electronic certificate payment user, and the third party provides payment account information to the Funds-Management server.
[0108] The change request module is used to deliver a request for changing the issuing amount to the Funds-Management server, where the request for changing the issuing amount includes the changed issuing amount information. After delivering the change request, it receives the feedback delivered by the Funds-Management server and can make feedback to the Funds-Management server according to the feedback information, such as continuing or terminating the original issuing process.
[0109] 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.
[0110] Therefore, the device for opening the electronic certificate of the present invention may propose to change the issuing amount at any time during the process of opening the Date regue/Date received 2023-12-20 electronic certificate without the need to re-submit the 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.
[0111] A person of skill in the art understands 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.
[01121 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 transfolination 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.
[0113] By adopting the method, system and device for opening the electronic certificate provided by the present invention, an electronic certificate with a committed payment function can be opened to reduce the transaction risk and allow the electronic certificate to be opened during the process of opening the electronic certificate. At any time proposed to change the issuing amount of the request, without having to re-submit the request to open electronic certificate, to improve the flexibility and efficiency of opened electronic certificate.
Therefore, it has industrial applicability.
Baat 11-StuutiteRrecAvig3FOA4- e- 2 0
Claims (61)
1. A computer system for opening an electronic certificate in an electronic transaction, the system comprising:
a terminal for issuing electronic certificate request 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 the amount of funds for opening electronic certificate in an opening process, wherein the request for changing the amount of funds for opening electronic certificate includes the amount of funds to be changed;
the Funds-Management server configured to:
receive a request for opening electronic certificate delivered by the terminal for issuing electronic certificate request, wherein the request includes amount of funds for opening electronic certificate;
start to open an electronic certificate according to the request for opening electronic certificate stored as data in a readable storage media of the Funds-Management server wherein opening electronic certificate includes verification of a payment account, an identity of a payer and the amount of funds;
receive the request for changing the amount of funds for opening electronic certificate delivered by the terminal for issuing electronic certificate request in an opening process, wherein the request for changing the amount of funds for opening electronic certificate includes the amount of funds to be changed;
verify the amount of funds to be changed when accepting to change the amount of funds to be changed by:
verify whether the changed amount of funds for opening electronic certificate is less than or equal to a fund balance or a credit limit balance of the payment account stored as data in the readable storage media of the Funds-Management server;
where if the amount of funds for opening electronic certificate is less than or equal to the balance of funds or the credit limit of the payment account, determine that the verification of the changed amount of funds is passed;
where if the amount of funds for opening electronic certificate is more than the balance of funds or the credit limit of the payment account, determine that the verification of the changed amount of funds is failed;
where if verification of the amount of funds to be changed is passed, open the electronic certificate after freezing the amount of balance or credit amount in the payment account stored as data in the readable storage media of the Funds-Management server, wherein the amount of balance or credit amount is equal to the changed amount of funds and when verification of the amount of funds to be changed is passed, accepting to change the amount of funds to be changed; and where if verification of the amount of funds to be changed fails, refuse to change the amount of funds, provide notification of the failure to the terminal for issuing electronic certificate request and request to continue opening the electronic certificate with the amount of funds prior to the change amount of funds.
a terminal for issuing electronic certificate request 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 the amount of funds for opening electronic certificate in an opening process, wherein the request for changing the amount of funds for opening electronic certificate includes the amount of funds to be changed;
the Funds-Management server configured to:
receive a request for opening electronic certificate delivered by the terminal for issuing electronic certificate request, wherein the request includes amount of funds for opening electronic certificate;
start to open an electronic certificate according to the request for opening electronic certificate stored as data in a readable storage media of the Funds-Management server wherein opening electronic certificate includes verification of a payment account, an identity of a payer and the amount of funds;
receive the request for changing the amount of funds for opening electronic certificate delivered by the terminal for issuing electronic certificate request in an opening process, wherein the request for changing the amount of funds for opening electronic certificate includes the amount of funds to be changed;
verify the amount of funds to be changed when accepting to change the amount of funds to be changed by:
verify whether the changed amount of funds for opening electronic certificate is less than or equal to a fund balance or a credit limit balance of the payment account stored as data in the readable storage media of the Funds-Management server;
where if the amount of funds for opening electronic certificate is less than or equal to the balance of funds or the credit limit of the payment account, determine that the verification of the changed amount of funds is passed;
where if the amount of funds for opening electronic certificate is more than the balance of funds or the credit limit of the payment account, determine that the verification of the changed amount of funds is failed;
where if verification of the amount of funds to be changed is passed, open the electronic certificate after freezing the amount of balance or credit amount in the payment account stored as data in the readable storage media of the Funds-Management server, wherein the amount of balance or credit amount is equal to the changed amount of funds and when verification of the amount of funds to be changed is passed, accepting to change the amount of funds to be changed; and where if verification of the amount of funds to be changed fails, refuse to change the amount of funds, provide notification of the failure to the terminal for issuing electronic certificate request and request to continue opening the electronic certificate with the amount of funds prior to the change amount of funds.
2. The system of claim 1, 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.
3. The system of any one of claims 1 to 2, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.
4. The system of claim 3, wherein the Funds-Management institution is an institution that can support capital flows.
5. The system of any one of claims 3 to 4, wherein the Funds-Management institution includes a bank.
6. The system of any one of claims 3 to 4, wherein the Funds-Management institution includes a financial institution.
7. The system of any one of claims 3 to 4, wherein the Funds-Management institution includes a third-party payment platform.
8. The system of any one of claims 1 to 6, wherein the Funds-Management server includes a bank server.
9. The system of any one of claims 1 to 6, wherein the Funds-Management server includes a financial institution server.
10. The system of any one of claims 1 to 9, wherein opening the electronic certificate is that the Funds-Management server registering the frozen amount of funds under an payer's account.
11. The system of claim 10, wherein a payer is configured as an issuer.
12. The system of claim 10, wherein the payer is configured as a third-party user.
13. The system of claim 12, wherein the third-party user is represented by the payer to pay.
14. The system of any one of claims 12 to 13, wherein the third-party user is configured to deliver payer's identity information to the Funds-Management server.
15. The system of any one of claims 12 to 14, wherein the third-party user is configured to deliver payment account information to the Funds-Management server.
16. A computer implemented method for opening an electronic certificate in an electronic transaction, the method comprising:
an issuing electronic certificate request terminal delivers a request for opening electronic certificate to a Funds-Management server, wherein the request includes amount of funds for opening electronic certificate;
the Funds-Management server starts to open an electronic certificate stored as data in a readable storage media of the Funds-Management server, according to the request for opening electronic certificate, wherein opening electronic certificate includes verification of a payment account, an identity of a payer and the amount of funds;
the issuing electronic certificate request terminal delivers a request for changing the amount of funds for opening electronic certificate in an opening process, wherein the request for changing the amount of funds for opening electronic certificate includes the amount of funds to be changed;
the Funds-Management server verifies the amount of funds to be changed when accepting to change the amount of funds to be changed wherein:
the Funds-Management server verifies whether the changed amount of funds for opening electronic certificate is less than or equal to a fund balance or a credit limit balance of the payment account stored as data in the readable storage media of the Funds-Management server;
where if the changed amount of funds for opening electronic certificate is less than or equal to the balance of funds or the credit limit of the payment account, the Funds-Management server determines that the verification of the changed amount of funds is passed;
where if the changed amount of funds for opening electronic certificate is more than the balance of funds or the credit limit of the payment account, the Funds-Management server determines that the verification of the changed amount of funds is failed;
where if verification of the amount of funds to be changed is passed, the Funds-Management server opens the electronic certificate after freezing the amount of balance or credit amount in the payment account stored as data in the readable storage media of the Funds-Management server, wherein the amount of balance or credit amount is equal to the changed amount of funds and when verification of the amount of funds to be changed is passed, accepting to change the amount of funds to be changed; and where if verification of the amount of funds to be changed fails, refuse to change the amount of funds, provide notification of the failure to the terminal for issuing electronic certificate request and request to continue opening the electronic certificate with the amount of funds prior to the request for changing the amount of funds.
an issuing electronic certificate request terminal delivers a request for opening electronic certificate to a Funds-Management server, wherein the request includes amount of funds for opening electronic certificate;
the Funds-Management server starts to open an electronic certificate stored as data in a readable storage media of the Funds-Management server, according to the request for opening electronic certificate, wherein opening electronic certificate includes verification of a payment account, an identity of a payer and the amount of funds;
the issuing electronic certificate request terminal delivers a request for changing the amount of funds for opening electronic certificate in an opening process, wherein the request for changing the amount of funds for opening electronic certificate includes the amount of funds to be changed;
the Funds-Management server verifies the amount of funds to be changed when accepting to change the amount of funds to be changed wherein:
the Funds-Management server verifies whether the changed amount of funds for opening electronic certificate is less than or equal to a fund balance or a credit limit balance of the payment account stored as data in the readable storage media of the Funds-Management server;
where if the changed amount of funds for opening electronic certificate is less than or equal to the balance of funds or the credit limit of the payment account, the Funds-Management server determines that the verification of the changed amount of funds is passed;
where if the changed amount of funds for opening electronic certificate is more than the balance of funds or the credit limit of the payment account, the Funds-Management server determines that the verification of the changed amount of funds is failed;
where if verification of the amount of funds to be changed is passed, the Funds-Management server opens the electronic certificate after freezing the amount of balance or credit amount in the payment account stored as data in the readable storage media of the Funds-Management server, wherein the amount of balance or credit amount is equal to the changed amount of funds and when verification of the amount of funds to be changed is passed, accepting to change the amount of funds to be changed; and where if verification of the amount of funds to be changed fails, refuse to change the amount of funds, provide notification of the failure to the terminal for issuing electronic certificate request and request to continue opening the electronic certificate with the amount of funds prior to the request for changing the amount of funds.
17. The method of claim 16 further includes that the Funds-Management server updates status of the electronic certificate to be "has been opened", when the electronic certificate is opened.
18. The method of any one of claims 16 to 17, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.
19. The method of claim 18, wherein the Funds-Management institution is an institution that can support capital flows.
20. The method of any one of claims 18 to 19, wherein the Funds-Management institution includes a bank.
21. The method of any one of claims 18 to 19, wherein the Funds-Management institution includes a financial institution.
22. The method of any one of claims 18 to 19, wherein the Funds-Management institution includes a third-party payment platform.
23. The method of any one of claims 16 to 22, wherein the Funds-Management server includes a bank server.
24. The method of any one of claims 16 to 22, wherein the Funds-Management server includes a financial institution server.
25. The method of any one of claims 16 to 24, wherein opening the electronic certificate is that the Funds-Management server registering the frozen amount of funds under an payer's account.
26. The method of claim 25, wherein a payer is configured as an issuer.
27. The method of claim 25, wherein the payer is configured as a third-party user.
28. The method of claim 27, wherein the third-party user is represented by the payer to pay.
29. The method of any one of claims 16 to 28, wherein the third-party user delivers payer's identity information to the Funds-Management server.
30. The method of any one of claims 16 to 29, wherein the third-party user delivers payment account information to the Funds-Management server.
31. A computer implemented method for opening an electronic certificate in an electronic transaction, applied in a Funds-Management server, the method comprising:
receiving a request for opening electronic certificate delivered by a terminal for issuing electronic certificate request, wherein the request includes amount of funds for opening electronic certificate;
starting to open an electronic certificate stored as data in a readable storage media of the Funds-Management server, according to the request for opening electronic certificate, wherein opening electronic certificate includes verification of a payment account, an identity of a payer and the amount of funds;
receiving a request for changing the amount of funds for opening electronic certificate delivered by the terminal for issuing electronic certificate request in an opening process, wherein the request for changing the amount of funds for opening electronic certificate includes the amount of funds to be changed;
verifying the amount of funds to be changed when accepting to change the amount of funds to be changed by:
verifying whether the changed amount of funds for opening electronic certificate is less than or equal to a fund balance or a credit limit balance of the payment account stored as data in the readable storage media of the Funds-Management server;
where if the amount of funds for opening electronic certificate is less than or equal to the balance of funds or the credit limit of the payment account, determining that the verification of the changed amount of funds is passed;
and where if the amount of funds for opening electronic certificate is more than the balance of funds or the credit limit of the payment account, determining that the verification of the changed amount of funds is failed;
where if verification of the amount of funds to be changed is passed, opening the electronic certificate after freezing the amount of balance or credit amount in the payment account stored as data in the readable storage media of the Funds-Management server, wherein the amount of balance or credit amount is equal to the changed amount of funds and wherein verification of the amount of funds to be changed is passed, accepting to change the amount of funds to be changed; and where if verification of the amount of funds to be changed fails, refuse to change the amount of funds, provide notification of the failure to the terminal for issuing electronic certificate request and request to continue opening the electronic certificate with the amount of funds prior to the change amount of funds.
receiving a request for opening electronic certificate delivered by a terminal for issuing electronic certificate request, wherein the request includes amount of funds for opening electronic certificate;
starting to open an electronic certificate stored as data in a readable storage media of the Funds-Management server, according to the request for opening electronic certificate, wherein opening electronic certificate includes verification of a payment account, an identity of a payer and the amount of funds;
receiving a request for changing the amount of funds for opening electronic certificate delivered by the terminal for issuing electronic certificate request in an opening process, wherein the request for changing the amount of funds for opening electronic certificate includes the amount of funds to be changed;
verifying the amount of funds to be changed when accepting to change the amount of funds to be changed by:
verifying whether the changed amount of funds for opening electronic certificate is less than or equal to a fund balance or a credit limit balance of the payment account stored as data in the readable storage media of the Funds-Management server;
where if the amount of funds for opening electronic certificate is less than or equal to the balance of funds or the credit limit of the payment account, determining that the verification of the changed amount of funds is passed;
and where if the amount of funds for opening electronic certificate is more than the balance of funds or the credit limit of the payment account, determining that the verification of the changed amount of funds is failed;
where if verification of the amount of funds to be changed is passed, opening the electronic certificate after freezing the amount of balance or credit amount in the payment account stored as data in the readable storage media of the Funds-Management server, wherein the amount of balance or credit amount is equal to the changed amount of funds and wherein verification of the amount of funds to be changed is passed, accepting to change the amount of funds to be changed; and where if verification of the amount of funds to be changed fails, refuse to change the amount of funds, provide notification of the failure to the terminal for issuing electronic certificate request and request to continue opening the electronic certificate with the amount of funds prior to the change amount of funds.
32. The method of claim 31 further includes updating status of the electronic certificate to be "has been opened", when the electronic certificate is opened.
33. The method of any one of claims 31 to 32, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.
34. The method of claim 33, wherein the Funds-Management institution is an institution that can support capital flows.
35. The method of any one of claims 33 to 34, wherein the Funds-Management institution includes a bank.
36. The method of any one of claims 33 to 34, wherein the Funds-Management institution includes a financial institution.
37. The method of any one of claims 33 to 34, wherein the Funds-Management institution includes a third-party payment platform.
38. The method of any one of claims 31 to 37, wherein the Funds-Management server includes a bank server.
39. The method of any one of claims 31 to 37, wherein the Funds-Management server includes a financial institution server.
40. The method of any one of claims 31 to 39, wherein opening the electronic certificate is that the Funds-Management server registering the frozen amount of funds under a payer's account.
41. The method of claim 40, wherein a payer is configured as an issuer.
42. The method of claim 40, wherein the payer is configured as a third-party user.
43. The method of claim 42, wherein the third-party user is represented by the payer to pay.
44. The method of any one of claims 42 to 43, wherein the third-party user delivers payer's identity information to the Funds-Management server.
45. The method of any one of claims 42 to 44, wherein the third-party user delivers payment account information to the Funds-Management server.
46. A 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 when receiving a request for opening electronic certificate delivered by a terminal for issuing electronic certificate request, wherein the request includes amount of funds for opening electronic certificate, wherein opening electronic certificate includes verification of a payment account, an identity of a payer and the amount of funds;
a change module configured to receive a request for changing the amount of funds for opening electronic certificate delivered by the terminal for issuing electronic certificate request in an opening process, wherein the request for changing the amount of funds for opening electronic certificate includes the amount of funds to be changed;
a verification module configured to verify the amount of funds to be changed when accepting to change the amount of funds to be changed by:
verifying whether the changed amount of funds for opening electronic certificate is less than or equal to a fund balance or a credit limit balance of the payment account stored as data in the readable storage media of the Funds-Management server,;
where if the amount of funds for opening electronic certificate is less than or equal to the balance of funds or the credit limit of the payment account, determine that the verification of the changed amount of funds is passed;
where if the amount of funds for opening electronic certificate is more than the balance of funds or the credit limit of the payment account, determine that the verification of the changed amount of funds is failed;
a second issuing module configured to:
freeze the amount of balance or credit amount in the payment account stored as data in the readable storage media of the Funds-Management server, to open the electronic certificate;
where if verification of the amount of funds to be changed is passed, accepting to change the amount of funds to be changed; wherein verification of the amount of funds to be changed is passed if the amount of balance or credit amount is equal to the changed amount of funds,; and where if verification of the amount of funds to be changed fails, refuse to change the amount of funds, provide notification of the failure to the terminal for issuing electronic certificate request and request to continue opening the electronic certificate with the amount of funds prior to the change amount of funds.
a first issuing module configured to start to open an electronic certificate according to a request for opening electronic certificate when receiving a request for opening electronic certificate delivered by a terminal for issuing electronic certificate request, wherein the request includes amount of funds for opening electronic certificate, wherein opening electronic certificate includes verification of a payment account, an identity of a payer and the amount of funds;
a change module configured to receive a request for changing the amount of funds for opening electronic certificate delivered by the terminal for issuing electronic certificate request in an opening process, wherein the request for changing the amount of funds for opening electronic certificate includes the amount of funds to be changed;
a verification module configured to verify the amount of funds to be changed when accepting to change the amount of funds to be changed by:
verifying whether the changed amount of funds for opening electronic certificate is less than or equal to a fund balance or a credit limit balance of the payment account stored as data in the readable storage media of the Funds-Management server,;
where if the amount of funds for opening electronic certificate is less than or equal to the balance of funds or the credit limit of the payment account, determine that the verification of the changed amount of funds is passed;
where if the amount of funds for opening electronic certificate is more than the balance of funds or the credit limit of the payment account, determine that the verification of the changed amount of funds is failed;
a second issuing module configured to:
freeze the amount of balance or credit amount in the payment account stored as data in the readable storage media of the Funds-Management server, to open the electronic certificate;
where if verification of the amount of funds to be changed is passed, accepting to change the amount of funds to be changed; wherein verification of the amount of funds to be changed is passed if the amount of balance or credit amount is equal to the changed amount of funds,; and where if verification of the amount of funds to be changed fails, refuse to change the amount of funds, provide notification of the failure to the terminal for issuing electronic certificate request and request to continue opening the electronic certificate with the amount of funds prior to the change amount of funds.
47. The device of claim 46 further includes a update module.
48. The device of claim 47, wherein the update module is configured to update status of the electronic certificate to be "has been opened", when the electronic certificate is opened.
49. The device of claims 46 to 48, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.
50. The device of claim 49, wherein the Funds-Management institution is an institution that can support capital flows.
51. The device of any one of claims 49 to 50, wherein the Funds-Management institution includes a bank.
52. The device of any one of claims 49 to 50, wherein the Funds-Management institution includes a financial institution.
53. The device of any one of claims 49 to 50, wherein the Funds-Management institution includes a third-party payment platform.
54. The device of any one of claims 46 to 53, wherein the Funds-Management server includes a bank server.
55. The device of any one of claims 46 to 53, wherein the Funds-Management server includes a financial institution server.
56. The device of any one of claims 46 to 55, wherein opening the electronic certificate is that the Funds-Management server registering the frozen amount of funds under a payer's account.
57. The device of claim 56, wherein a payer is configured as an issuer.
58. The device of claim 56, wherein the payer is configured as a third-party user.
59. The device of claim 58, wherein the third-party user is represented by the payer to pay.
60. The device of any one of claims 58 to 59, wherein the third-party user delivers payer's identity information to the Funds-Management server.
61. The device of any one of claims 58 to 60, wherein the third-party user delivers payment account information to the Funds-Management server.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA3224059A CA3224059A1 (en) | 2015-07-21 | 2015-07-21 | Method, system and device for opening electronic certificate |
Applications Claiming Priority (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CA2993106A CA2993106A1 (en) | 2015-07-21 | 2015-07-21 | Method, system and device for opening electronic certificate |
| CA3224059A CA3224059A1 (en) | 2015-07-21 | 2015-07-21 | Method, system and device for opening electronic certificate |
| PCT/CN2015/084657 WO2017012060A1 (en) | 2015-07-21 | 2015-07-21 | Method, system and device for opening electronic certificate |
Related Parent Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2993106A Division CA2993106A1 (en) | 2015-07-21 | 2015-07-21 | Method, system and device for opening electronic certificate |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA3224059A1 true CA3224059A1 (en) | 2017-01-26 |
Family
ID=57833751
Family Applications (2)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2993106A Pending CA2993106A1 (en) | 2015-07-21 | 2015-07-21 | Method, system and device for opening electronic certificate |
| CA3224059A Pending CA3224059A1 (en) | 2015-07-21 | 2015-07-21 | Method, system and device for opening electronic certificate |
Family Applications Before (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2993106A Pending CA2993106A1 (en) | 2015-07-21 | 2015-07-21 | Method, system and device for opening electronic certificate |
Country Status (2)
| Country | Link |
|---|---|
| CA (2) | CA2993106A1 (en) |
| WO (1) | WO2017012060A1 (en) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108510257A (en) * | 2018-04-23 | 2018-09-07 | 孙峰 | A kind of electronic payment mode |
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| GB2384403B (en) * | 2002-01-17 | 2004-04-28 | Toshiba Res Europ Ltd | Data transmission links |
| CN101232631B (en) * | 2007-01-23 | 2011-08-31 | 阿里巴巴集团控股有限公司 | System and method for communication terminal to perform safety authentication through short messages |
| CN103236022A (en) * | 2013-04-26 | 2013-08-07 | 孔庆发 | Online trading-based online credit method and data processing system |
| CN204178394U (en) * | 2014-09-12 | 2015-02-25 | 深圳市银信网银科技有限公司 | A kind of electronic certificate generating apparatus |
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2015
- 2015-07-21 CA CA2993106A patent/CA2993106A1/en active Pending
- 2015-07-21 WO PCT/CN2015/084657 patent/WO2017012060A1/en active Application Filing
- 2015-07-21 CA CA3224059A patent/CA3224059A1/en active Pending
Also Published As
| Publication number | Publication date |
|---|---|
| WO2017012060A1 (en) | 2017-01-26 |
| CA2993106A1 (en) | 2017-01-26 |
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