CN106372911A - Method, system and apparatus for opening electronic certificate - Google Patents
Method, system and apparatus for opening electronic certificate Download PDFInfo
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- CN106372911A CN106372911A CN201510429838.7A CN201510429838A CN106372911A CN 106372911 A CN106372911 A CN 106372911A CN 201510429838 A CN201510429838 A CN 201510429838A CN 106372911 A CN106372911 A CN 106372911A
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- Prior art keywords
- opening
- request
- electronic certificate
- checking
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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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
- G06Q20/38—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
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- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
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- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses a method, system and apparatus for opening an electronic certificate. The method comprises: a certificate opening terminal sends a certificate opening request to a fund management server, wherein the certificate opening request includes certification opening sum information, payer identity information and payment account information; the fund management server verifies the certificate opening request according to the certification opening sum information, the payer identity information and the payment account information; when the certificate opening request is approved, the fund management server opens an electronic certificate; and if the certificate opening request is not approved, the fund management server refuse to open an electronic certificate. Therefore, on the one hand, payment is carried out by an electronic certificate, thereby reducing the transaction risk; and on the other hand, the certificate opening request is verified according to the certification opening sum information, the payer identity information and the payment account information, thereby reducing the risk of an electronic certificate opening link substantially, controlling a transaction risk from the origin, and thus reducing the transaction risk.
Description
Technical field
The present invention relates to network payment technical field, especially relate to a kind of method opening electronic certificate,
System and device.
Background technology
Payment refers in business activities, is paid based on currency produced by economic contract.At present, Hen Duoyin
Go or enterprise both provides the service of network payment it is allowed to the terminal such as user operation computer, mobile phone sets
Standby realizing network payment, the mode of network payment has provided the user very big facility.Existing network
In the means of payment, mostly the fund in bank card is directly transferred to reciprocal account, or transfer to the 3rd
Square mechanism is as guarantee.
Traditional network payment mode, after buyer's fund remittance and transfer instruction issuing, fund can directly flow
Turn, following situation usually occurs: buyer not yet receives commodity or the service of trade company's offer, its fund
Paid the seller by bank or the third-party institution；Or after the seller provides commodity or service, Mai Fangchi
Corresponding fund can not be paid late；Or fund is given to the reciprocal account of mistake by buyer.At this stage
There is certain transaction risk it is impossible to ensure the interests of both parties in network payment mode.
Content of the invention
Present invention is primarily targeted at providing a kind of mthods, systems and devices opening electronic certificate, purport
Reducing transaction risk.
To achieve these objectives, the present invention proposes a kind of method opening electronic certificate, including step:
End of opening L/C sends to capital management server and opens L/C request, and described request inclusion of the opening L/C amount of money of opening L/C is believed
Breath, payer's identity information and payment account information；
Described capital management server according to described amount information of opening L/C, payer's identity information and is paid a bill
Open L/C described in the Information Authentication of family request；
When described request of opening L/C is by checking, described capital management server opens electronic certificate；
When described request of opening L/C is not over checking, described capital management server refusal open electronics with
Card.
The present invention also proposes a kind of method opening electronic certificate being applied to capital management server, including
Step:
Receive the request of opening L/C that end of opening L/C sends, described opening L/C asks inclusion to be opened L/C amount information, payer
Identity information and payment account information；
Open L/C according to the checking of described amount information of opening L/C, payer's identity information and payment account information
Request；
When described request of opening L/C is by checking, open electronic certificate；
When described request of opening L/C is not over checking, refusal opens electronic certificate.
The present invention proposes a kind of system opening electronic certificate simultaneously, including end and the capital management service of opening L/C
Device, wherein:
Described end of opening L/C, for sending, to capital management server, request of opening L/C, described request of opening L/C includes
Open L/C amount information, payer's identity information and payment account information；
Described capital management server, for according to described amount information of opening L/C, payer's identity information and
Open L/C request described in payment account information checking；When described request of opening L/C is by checking, described fund pipe
Reason server opens electronic certificate；When described request of opening L/C is not over checking, described capital management clothes
Business device refusal opens electronic certificate.
The present invention also proposes a kind of device opening electronic certificate being applied to capital management server, comprising:
Receiver module, for receiving the request of opening L/C that end of opening L/C sends, described opening L/C asks inclusion to be opened L/C gold
Volume information, payer's identity information and payment account information；
Open L/C module, for being believed according to described amount information of opening L/C, payer's identity information and payment account
Cease request of opening L/C described in checking；When described request of opening L/C is by checking, open electronic certificate；When described
Open L/C request not over during checking, refusal opens electronic certificate.
A kind of mthods, systems and devices opening electronic certificate provided by the present invention, on the one hand, pass through
Electronic certificate is paid, and reduces transaction risk；On the other hand, according to amount information of opening L/C, payment
People's identity information and payment account information are strictly verified to request of opening L/C, greatly reduce electronics with
Card opens the risk of link, from source, transaction risk is controlled, reduce further transaction risk.
Brief description
Fig. 1 is the flow chart of the method first embodiment that the present invention opens electronic certificate；
Fig. 2 is the interactive schematic diagram of each main body when opening electronic certificate in the embodiment of the present invention；
Fig. 3 is that in the embodiment of the present invention, capital management server authentication is opened L/C process one flow chart of request；
Fig. 4 is that in the embodiment of the present invention, capital management server authentication is opened L/C another flow chart of process of request；
Fig. 5 is the flow chart of the method second embodiment that the present invention opens electronic certificate；
Fig. 6 is the module diagram of system one embodiment that the present invention opens electronic certificate；
Fig. 7 is the module diagram of the device first embodiment that the present invention opens electronic certificate；
Fig. 8 is the module diagram of the device second embodiment that the present invention opens electronic certificate.
The realization of the object of the invention, functional characteristics and advantage will be done further in conjunction with the embodiments referring to the drawings
Explanation.
Specific embodiment
It should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not used to limit
Determine the present invention.
In the embodiment of the present invention, capital management server is the server of institutions managing funds, capital management
Mechanism refers to support the mechanism of Capital Flow, including but not limited to bank and other financial institutions (as demonstrate,proved
Certificate mechanism, Third-party payment platform etc.), that is, capital management server includes bank server or other gold
Melt authority server.
In the embodiment of the present invention, electronic certificate refers to that capital management server freezes according to the application of opener
Fund or the accrediting amount being opened with institutions managing funds name drawn, and promise to undertake and carry out according to agreed terms
The electronic credit acceptance and guarantee voucher of clearing.
In the embodiment of the present invention, opener (usually buyer), is to open electricity to institutions managing funds application
The main body of sub- voucher, can be natural person, legal person or its hetero-organization, and end of opening L/C is the end that opener holds
End.
In the embodiment of the present invention, open electronic certificate and be actually capital management server by the money after freezing
Gold is registered under the account of opener.
In the embodiment of the present invention, electronic certificate basic service flow process is: institutions managing funds are according to opener
Application freeze required number fund to open electronic certificate, when agreement solution pay a condition reach when, by fund
Fund solution is paid and is handled payment and settlement by administrative organization.Specific as follows:
1., after transaction body both sides form order, opener (as buyer) (opens electronics to the mechanism that opens L/C
The institutions managing funds of voucher, such as Opening Bank) application for credit.(certainly, opener can form tool
The application for credit during trading order form of body；Can be when not forming trading order form yet, opener's folk prescription is actively applied for
Open L/C.)
2. open L/C after mechanism accepts, open electronic certificate the fund of freeze corresponding amount or the accrediting amount.
3. receive witness (as the seller) and receive card to Shou Zheng mechanism (as recipient bank) application.
4. received card after Shou Zheng mechanism checking information is errorless, electronic certificate enters and honours an agreement the phase, receive witness and enter
Journey about (as businessman sends commodity, you can think and honoured an agreement).
5. after receipts witness honours an agreement, electronic certificate obtains information of honouring an agreement, the silver-colored letter state of change, and electronic certificate enters
Enter to sign for the phase, wait being sent to of commodity, sign for commodity.
6. after opener signs for commodity, that is, receipts witness completes electricity according to the solution condition of paying of electronic certificate
After terms of trade corresponding to sub- voucher, Shou Zheng mechanism is entrusted to pay to mechanism's application solution of opening L/C.
7. mechanism releases of opening L/C freeze to opener's account fund, and funds transfer to Shou Zheng mechanism is received
Fund is proceeded to receipts witness's account by card mechanism.
It should be appreciated that above-mentioned is only a kind of mode with electronic certificate, can also be and use electronic certificate
Buy service.When buying service, such as firmly in the transaction scene in hotel, hotel reservation success, i.e. hotel
Honoured an agreement.
Certainly, electronic certificate can also apply to allotted fund.During different situations, the reason honouring an agreement and sign for
Solution is also varied from.That is, when businessman provides a kind of commodity or service, just may directly make electricity
The state of sub- voucher has simultaneously flowed through the phase of honouring an agreement and has signed for the phase, is directly entered solution and pays, such as concludes the business face to face.
Hereinafter, by specific embodiment, the flow process of opening of electronic certificate is described in detail.
Referring to Fig. 1, Fig. 2, the method first embodiment that the present invention opens electronic certificate, methods described are proposed
Comprise the following steps:
S11, end of opening L/C send, to capital management server, request of opening L/C.
This request inclusion of opening L/C is opened L/C amount information, payer's identity information and payment account information, this
The account for tendering guarantee during electronic certificate is opened at family of paying a bill.Generally, opener is payer；Can
Selection of land, payer can also be third party, and that is, opener asks third party as electronic certificate payer,
Now, payer's information and payment account information can also be provided by third direction capital management server.
S12, capital management server are believed according to amount information of opening L/C, payer's identity information and payment account
Breath checking is opened L/C request.When being verified, execution step s13；When checking not over when, execute step
Rapid s14.
The open L/C process of request of capital management server authentication will be discussed later in more detail.
S13, capital management server open electronic certificate.
When request of opening L/C is by checking, capital management server then freezes in payment account and the amount of money of opening L/C
The fund of single-candidate or the accrediting amount, and open electronic certificate.After opening electronic certificate, can also notify out
Card end electronic certificate is opened and is completed.
S14, capital management server refusal open electronic certificate.
When request of opening L/C is not over checking, capital management server is then refused to open electronic certificate, and
Generate rollback info and be sent to end of opening L/C, return the application of opening L/C at end of opening L/C.
In step s12, capital management server authentication open L/C request idiographic flow can as shown in figure 3,
Comprise the following steps:
S101, capital management server authentication payer's identity information and payment account information.When verifying into
During work(, execution step s102；When failing the authentication, execution step s104.
Specifically, capital management server authentication payer identity information whether be consistent with payment account information,
Whether payment account is legal effectively etc., when whether payer's identity information is consistent with payment account information and props up
Pay a bill family legal effective when, be proved to be successful, otherwise, authentication failed.
S102, checking are opened L/C the amount of money, and whether the amount of money that judges to open L/C is less than or equal to more than the fund of payment account
Volume or accrediting amount remaining sum.When the amount of money of opening L/C is less than or equal to the balance of funding or the accrediting amount of payment account
During remaining sum, execution step s103；When the amount of money of opening L/C is more than more than the balance of funding of payment account or the accrediting amount
During volume, execution step s104.
S103, judgement open L/C request by checking.
S104, judgement open L/C request not over checking.
Wherein, the order of step s101 and s102 is not limited, in certain embodiments it is also possible to first
Execution step s102, then execution step s101.
Preferably, capital management server authentication open L/C request idiographic flow can also as shown in figure 4,
Comprise the following steps:
S201, capital management server authentication payer's identity information and payment account information.When verifying into
During work(, execution step s202；When failing the authentication, execution step s205.
Specifically, capital management server authentication payer identity information whether be consistent with payment account information,
Whether payment account is legal effectively etc., when whether payer's identity information is consistent with payment account information and props up
Pay a bill family legal effective when, be proved to be successful, otherwise, authentication failed.
S202, checking are opened L/C the amount of money, and whether the amount of money that judges to open L/C is less than or equal to more than the fund of payment account
Volume or accrediting amount remaining sum.When the amount of money of opening L/C is less than or equal to the balance of funding or the accrediting amount of payment account
During remaining sum, execution step s203；When the amount of money of opening L/C is more than more than the balance of funding of payment account or the accrediting amount
During volume, execution step s205.
S203, checking opener or/and payer, judge opener or/and payer whether meet prohibitive
Regulation.When not meeting interdictory regulation, execution step s204；When meeting interdictory regulation, execution
Step s205.
When opener is payer, only whether taboo need to be met according to payer identity information validation of payment people
Only property regulation.
(pay artificial third party) as opener with when paying artificial two main bodys, can only checking open L/C
Whether people or payer's any one party meet interdictory regulation, or checking opener and payer are simultaneously
No all meet interdictory regulation.
This interdictory regulation includes: when opener or/and payer's credit rating are refused when being less than to a certain degree
Open L/C, not open L/C when opener or/and payer have particular community etc..
S204, judgement open L/C request by checking.
S205, judgement open L/C request not over checking.
Wherein, the order of step s201-s203 is not limited, in certain embodiments, three steps
Order can be in any combination.
Referring to Fig. 5, the method second embodiment that the present invention opens electronic certificate, the method for the present embodiment are proposed
It is applied to capital management server, the method comprising the steps of:
S21, reception are opened L/C and are held the request of opening L/C sending.
This request inclusion of opening L/C is opened L/C amount information, payer's identity information and payment account information, this
The account for tendering guarantee during electronic certificate is opened at family of paying a bill.Generally, opener is payer；Can
Selection of land, payer can also be third party, and that is, opener asks third party as electronic certificate payer,
Now, payer's information and payment account information can also be sent to capital management server by third party.
S22, request of being opened L/C according to amount information of opening L/C, payer's identity information and payment account information checking.
When being verified, execution step s23；When checking not over when, execution step s25.
Capital management server authentication open L/C request detailed process as shown in Figure 3 and Figure 4.
S23, open electronic certificate.
When request of opening L/C is by checking, capital management server then freezes in payment account and the amount of money of opening L/C
The fund of single-candidate or credit, and open electronic certificate.After opening electronic certificate, end of opening L/C can also be notified
Electronic certificate is opened and is completed.
S24, the state of renewal electronic certificate are to open L/C.
After opening electronic certificate, the state updating electronic certificate is to open L/C.
In certain embodiments it is also possible to omit step s24.
S25, refusal open electronic certificate.
When request of opening L/C is not over checking, capital management server is then refused to open electronic certificate, and
Generate rollback info and be sent to end of opening L/C, notify to open L/C and hold electronic certificate to open failure.Thus, the present invention
The method opening electronic certificate, on the one hand, paid by electronic certificate, reduces transaction risk；
On the other hand, according to amount information of opening L/C, payer's identity information and payment account information to request of opening L/C
Strictly verified, greatly reduced the risk that electronic certificate opens link, to transaction wind from source
Danger is controlled, and reduce further transaction risk.
Referring to Fig. 6, system one embodiment that the present invention opens electronic certificate is proposed, described system includes opening L/C
End and capital management server, wherein:
Open L/C end: for sending, to capital management server, request of opening L/C, this is opened L/C and asks inclusion to be opened L/C gold
Volume information, payer's identity information and payment account information.
Capital management server: for according to open L/C amount information, payer's identity information and payment account
Information Authentication is opened L/C request；When request of opening L/C is by checking, open electronic certificate；When described opening L/C please
Ask not over during checking, refusal opens electronic certificate.
Specifically, capital management server first verifies that payer's identity information and payment account information；When
During authentication failed, judge to open L/C request not over checking；When the authentication succeeds, then judge the amount of money of opening L/C
Whether it is less than or equal to the balance of funding or the accrediting amount remaining sum of payment account；When the amount of money of opening L/C is less than or waits
When the balance of funding or the accrediting amount remaining sum of payment account, judge to open L/C request by checking；Otherwise,
Judge to open L/C request not over checking.
Preferably, capital management server first verifies that payer's identity information and payment account information；When
During authentication failed, judge to open L/C request not over checking；When the authentication succeeds, then judge the amount of money of opening L/C
Whether it is less than or equal to the balance of funding or accrediting amount remaining sum and opener or/and the payment of payment account
Whether people meets interdictory regulation；When the amount of money of opening L/C is less than or equal to the balance of funding or the credit of payment account
Credit balance and when payer does not meet interdictory regulation, judges to open L/C request by checking；Otherwise, sentence
Surely open L/C request not over checking.
What above-described embodiment provided opens the system of electronic certificate and opens the embodiment of the method genus of electronic certificate
In same design, it implements process and refers to the technical characteristic in embodiment of the method, and embodiment of the method
All corresponding applicable in system embodiment, repeat no more here.
Referring to Fig. 7, the device first embodiment that the present invention opens electronic certificate is proposed, described device is applied to
Aforementioned capital management server, including receiver module, authentication module and module of opening L/C, wherein:
Receiver module: for receiving the request of opening L/C that end of opening L/C sends.
This request inclusion of opening L/C is opened L/C amount information, payer's identity information and payment account information, this
The account for tendering guarantee during electronic certificate is opened at family of paying a bill.Generally, opener is payer；Can
Selection of land, payer can also be third party, and that is, opener asks third party as electronic certificate payer,
Now, payer's information and payment account information can also be sent to receiver module by third party.
Authentication module, for testing according to open L/C amount information, payer's identity information and payment account information
Demonstrate,prove request of opening L/C.
Open L/C module: for when request of opening L/C is by checking, opening electronic certificate；When request of opening L/C does not have
Have by, during checking, refusal opens electronic certificate.
Specifically, authentication module first verifies that payer's identity information and payment account information；When checking is lost
When losing, judge to open L/C request not over checking；When the authentication succeeds, more whether the amount of money that judges to open L/C is little
In or be equal to the balance of funding of payment account or accrediting amount remaining sum；Pay when the amount of money of opening L/C is less than or equal to
When the balance of funding of account or accrediting amount remaining sum, judge to open L/C request by checking；Otherwise, it is determined that opening
Card request is not over checking.
Preferably, module of opening L/C first verifies that payer's identity information and payment account information；When checking is lost
When losing, judge to open L/C request not over checking；When the authentication succeeds, more whether the amount of money that judges to open L/C is little
In or whether be equal to the balance of funding of payment account or accrediting amount remaining sum and opener or/and payer
Meet interdictory regulation；When the amount of money of opening L/C is less than or equal to more than the balance of funding of payment account or the accrediting amount
Volume and when payer does not meet interdictory regulation, judges to open L/C request by checking；Otherwise, it is determined that opening L/C
Request is not over checking.
It is illustrated in figure 8 the device second embodiment that the present invention opens electronic certificate, the device of the present embodiment
It is also applied to aforementioned capital management server, the present embodiment is the increase in one more with the difference of first embodiment
New module, the state that this update module is used for updating electronic certificate after opening electronic certificate is to open
Card.
What above-described embodiment provided opens the device of electronic certificate and opens the embodiment of the method genus of electronic certificate
In same design, it implements process and refers to the technical characteristic in embodiment of the method, and embodiment of the method
All corresponding applicable in device embodiment, repeat no more here.
Thus, the present invention opens the device of electronic certificate, on the one hand, paid by electronic certificate,
Reduce transaction risk；On the other hand, according to amount information of opening L/C, payer's identity information with pay a bill
Family information is strictly verified to request of opening L/C, and greatly reduces the risk that electronic certificate opens link,
From source, transaction risk is controlled, reduce further transaction risk.
One of ordinary skill in the art will appreciate that, realize all or part of step in above-described embodiment method
The hardware that correlation can be controlled by program is completed, and described program can be stored in a computer-readable
Take in storage medium, described storage medium can be rom/ram, disk, CD etc..
It should be appreciated that these are only the preferred embodiments of the present invention it is impossible to therefore limit the present invention's
The equivalent structure that the scope of the claims, every utilization description of the invention and accompanying drawing content are made or equivalent process become
Change, or be directly or indirectly used in other related technical fields, all include the patent in the present invention in the same manner
In protection domain.
Claims (10)
1. a kind of method opening electronic certificate is it is characterised in that include step:
End of opening L/C sends to capital management server and opens L/C request, and described request inclusion of the opening L/C amount of money of opening L/C is believed
Breath, payer's identity information and payment account information；
Described capital management server according to described amount information of opening L/C, payer's identity information and is paid a bill
Open L/C described in the Information Authentication of family request；
When described request of opening L/C is by checking, described capital management server opens electronic certificate；
When described request of opening L/C is not over checking, described capital management server refusal open electronics with
Card.
2. a kind of method opening electronic certificate, is applied to capital management server it is characterised in that wrapping
Include step:
Receive the request of opening L/C that end of opening L/C sends, described opening L/C asks inclusion to be opened L/C amount information, payer
Identity information and payment account information；
Open L/C according to the checking of described amount information of opening L/C, payer's identity information and payment account information
Request；
When described open L/C request by checking when, open electronic certificate, when described open L/C request not over
During checking, refusal opens electronic certificate.
3. the method opening electronic certificate according to claim 2 is it is characterised in that described basis
Described amount information of opening L/C, payer's identity information and payment account information checking described in open L/C request include:
Verify described payer's identity information and payment account information；
When failing the authentication, open L/C request described in judgement not over checking；
When the authentication succeeds, whether the amount of money of opening L/C described in judgement is less than or equal to the fund of described payment account
Remaining sum or accrediting amount remaining sum；
When the described amount of money of opening L/C is less than or equal to the balance of funding or the accrediting amount remaining sum of described payment account
When, request of opening L/C described in judgement is by checking；Otherwise, it is determined that described request of opening L/C is not over checking.
4. the method opening electronic certificate according to claim 2 is it is characterised in that described basis
Described amount information of opening L/C, payer's identity information and payment account information checking described in open L/C request include:
Verify described payer's identity information and payment account information；
When failing the authentication, open L/C request described in judgement not over checking；
When the authentication succeeds, whether the amount of money of opening L/C described in judgement is less than or equal to the fund of described payment account
Whether remaining sum or accrediting amount remaining sum and described opener or/and payer meet interdictory regulation；
When the described amount of money of opening L/C be less than or equal to the balance of funding of described payment account or accrediting amount remaining sum and
When described payer does not meet interdictory regulation, request of opening L/C described in judgement is by checking；Otherwise, it is determined that
Described request of opening L/C is not over checking.
5. the method opening electronic certificate according to any one of claim 2-4 it is characterised in that
Methods described also includes:
After opening electronic certificate, the state updating described electronic certificate is to open L/C.
6. a kind of system opening electronic certificate is it is characterised in that include open L/C end and capital management service
Device, wherein:
Described end of opening L/C, for sending, to capital management server, request of opening L/C, described request of opening L/C includes
Open L/C amount information, payer's identity information and payment account information；
Described capital management server, for according to described amount information of opening L/C, payer's identity information and
Open L/C request described in payment account information checking；Open electronic certificate when described request of opening L/C is by checking；
When described request of opening L/C is not over checking, refusal opens electronic certificate.
7. a kind of device opening electronic certificate, is applied to capital management server it is characterised in that wrapping
Include:
Receiver module, for receiving the request of opening L/C that end of opening L/C sends, described opening L/C asks inclusion to be opened L/C gold
Volume information, payer's identity information and payment account information；
Authentication module, for believing according to described amount information of opening L/C, payer's identity information and payment account
Cease request of opening L/C described in checking；
Open L/C module, for when described request of opening L/C is by checking, opening electronic certificate；And work as institute
State request of opening L/C not over during checking, refusal opens electronic certificate.
8. the device opening electronic certificate according to claim 7 is it is characterised in that described checking
Module is used for:
Verify described payer's identity information and payment account information；
When failing the authentication, open L/C request described in judgement not over checking；
When the authentication succeeds, whether the amount of money of opening L/C described in judgement is less than or equal to the fund of described payment account
Remaining sum or accrediting amount remaining sum；
When the described amount of money of opening L/C is less than or equal to the balance of funding or the accrediting amount remaining sum of described payment account
When, request of opening L/C described in judgement is by checking；Otherwise, it is determined that described request of opening L/C is not over checking.
9. the device opening electronic certificate according to claim 7 is it is characterised in that described checking
Module is used for:
Verify described payer's identity information and payment account information；
When failing the authentication, open L/C request described in judgement not over checking；
When the authentication succeeds, whether the amount of money of opening L/C described in judgement is less than or equal to the fund of described payment account
Whether remaining sum or accrediting amount remaining sum and described opener or/and payer meet interdictory regulation；
When the described amount of money of opening L/C be less than or equal to the balance of funding of described payment account or accrediting amount remaining sum and
When described payer does not meet interdictory regulation, request of opening L/C described in judgement is by checking；Otherwise, it is determined that
Described request of opening L/C is not over checking.
10. the device opening electronic certificate according to any one of claim 7-9 it is characterised in that
Described device also includes:
Update module, the state for after opening electronic certificate, updating described electronic certificate is to open
Card.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510429838.7A CN106372911A (en) | 2015-07-21 | 2015-07-21 | Method, system and apparatus for opening electronic certificate |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510429838.7A CN106372911A (en) | 2015-07-21 | 2015-07-21 | Method, system and apparatus for opening electronic certificate |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106372911A true CN106372911A (en) | 2017-02-01 |
Family
ID=57879828
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510429838.7A Pending CN106372911A (en) | 2015-07-21 | 2015-07-21 | Method, system and apparatus for opening electronic certificate |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106372911A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107993141A (en) * | 2017-11-22 | 2018-05-04 | 中国银行股份有限公司 | Data processing method and device, server |
| CN111626850A (en) * | 2020-06-05 | 2020-09-04 | 中国银行股份有限公司 | Deposit information processing method and device, readable medium and equipment |
| CN111640010A (en) * | 2020-06-08 | 2020-09-08 | 中国银行股份有限公司 | Deposit evidence establishing method, device, server and storage medium |
-
2015
- 2015-07-21 CN CN201510429838.7A patent/CN106372911A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107993141A (en) * | 2017-11-22 | 2018-05-04 | 中国银行股份有限公司 | Data processing method and device, server |
| CN111626850A (en) * | 2020-06-05 | 2020-09-04 | 中国银行股份有限公司 | Deposit information processing method and device, readable medium and equipment |
| CN111626850B (en) * | 2020-06-05 | 2023-04-18 | 中国银行股份有限公司 | Deposit information processing method and device, readable medium and equipment |
| CN111640010A (en) * | 2020-06-08 | 2020-09-08 | 中国银行股份有限公司 | Deposit evidence establishing method, device, server and storage medium |
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Application publication date: 20170201 |