CN106709719A - Method, device and system for issuing electronic certificate - Google Patents
Method, device and system for issuing electronic certificate Download PDFInfo
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- CN106709719A CN106709719A CN201510428899.1A CN201510428899A CN106709719A CN 106709719 A CN106709719 A CN 106709719A CN 201510428899 A CN201510428899 A CN 201510428899A CN 106709719 A CN106709719 A CN 106709719A
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Abstract
The invention discloses a method and device for issuing an electronic certificate. The method comprises: electronic certificate issuing is started according to a certificate issuing request sent by an issuing terminal and first payment account information sent by a payment terminal; during the certificate issuing process, a payment account changing request sent by the issuing terminal or the payment terminal is received, and payment account changing approval information is fed back when the payment account changing is approved; second payment account information sent by the payment terminal is received and verification is carried out; and after successful verification, the fund with a corresponding limit or a credit line in the second payment account is frozen and then an electronic certificate is issued. With the method, device and system, the electronic certificate with a payment acceptance and guarantee function is issued, so that the transaction risk can be reduced; a request of changing a payment account is allowed to be put forward at any time during the electronic certificate issuing process and thus putting forward of a request of issuing an electronic certificate again is avoided, so that flexibility and efficiency of electronic certificate issuing can be improved.
Description
Technical field
The present invention relates to network payment technical field, more particularly, to a kind of method for opening electronic certificate,
Device and system.
Background technology
During payment refers to business activities, paid based on the currency produced by economic contract.At present, Hen Duoyin
Row or enterprise both provide the service of network payment, it is allowed to which the terminal such as user's operation computer, mobile phone sets
Standby to realize 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 used 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
The seller is paid 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 buyer to be given to the reciprocal account of mistake by fund.At this stage
There is certain transaction risk in network payment mode, it is impossible to ensure the interests of both parties.
The content of the invention
It is a primary object of the present invention to provide a kind of methods, devices and systems for opening electronic certificate, purport
Transaction risk is being reduced, flexibility and efficiency that electronic certificate is opened is being improved.
To achieve these objectives, the present invention propose it is a kind of be applied to capital management server open electronic certificate
Method, including step：
The first payment account information that open L/C request and the payment terminals sent according to end of opening L/C send is proceeded by
Electronic certificate is opened；
During opening L/C, the change payment account request that open L/C end or payment terminals send is received, work as agreement
Feedback agrees to the information of change payment account during change payment account；
Receive the second payment account information that payment terminals send；
Verify second payment account information；
After being verified, after freezing the fund or the accrediting amount of corresponding amount in second payment account
Open electronic certificate.
The present invention also proposes a kind of method for opening electronic certificate at the end that is applied to open L/C, including step：
Request of the request as electronic certificate payer is sent to payment terminals；
After receiving information of the agreement of the payment terminals transmission as electronic certificate payer, to fund pipe
Reason server sends request of opening L/C, and notifies the payment terminals, so that the payment terminals are to the fund pipe
Reason server sends the first payment account information；
During opening L/C, send change payment account to the capital management server and ask；
After receiving the information of the agreement change payment account that the capital management server sends, to payment
End sends change payment account request, so that the payment terminals send second to the capital management server
Payment account information.
The present invention proposes a kind of device for opening electronic certificate for being applied to capital management server simultaneously, wraps
Include：
First opens L/C module, send first of open L/C request and the payment terminals for being sent according to end of opening L/C
Pay accounts information and proceed by opening for electronic certificate；
Change module, holds for during opening L/C, being opened L/C described in reception or the payment terminals sends more
Change payment account request, feedback agrees to the information of change payment account when change payment account is agreed to, and
Receive the second payment account information that the payment terminals send；
Authentication module, for verifying second payment account information；
Second opens L/C module, for after second payment account information is verified, freezing described
In two payment accounts electronic certificate is opened after the fund of corresponding amount or credit.
The present invention also proposes a kind of device for opening electronic certificate at the end that is applied to open L/C, including：
Request module is paid, for sending request of the request as electronic certificate payer to payment terminals, when
After receiving information of the agreement of the payment terminals transmission as electronic certificate payer, request of opening L/C is notified
Module；
Open L/C request module, for sending request of opening L/C to capital management server, and notify the payment
End, so that the payment terminals send the first payment account information to the capital management server；
First change request module, for during opening L/C, being sent more to the capital management server
Change payment account request；When the agreement change payment account for receiving the capital management server transmission
After information, send change payment account to payment terminals and ask, so that the payment terminals are to the capital management
Server sends the second payment account information.
The present invention also propose it is a kind of open the system of electronic certificate, including end of opening L/C, payment terminals and fund pipe
Reason server, wherein：
The end of opening L/C, for sending request of the request as electronic certificate payer to the payment terminals；
After receiving information of the agreement of the payment terminals transmission as electronic certificate payer, taken to capital management
Business device sends request of opening L/C, and notifies the payment terminals；
The payment terminals, for agreeing to make as the request feedback of electronic certificate payer according to the request
It is the information of electronic certificate payer；Request of opening L/C is sent described in receiving to capital management server
After notice, the first payment account information is sent to the capital management server；During opening L/C, to
The capital management server sends change payment account request；Receive the capital management server hair
After the information of the agreement change payment account for sending, the second payment account is sent to the capital management server
Information；
The capital management server, for request and first payment account information of being opened L/C according to
Proceed by opening for electronic certificate；During opening L/C, the change payment account request is received, when
Feedback agrees to the information of change payment account when agreeing to change payment account；Receive second payment account
Information is simultaneously verified；After being verified, freeze the fund of corresponding amount in second payment account
Or electronic certificate is opened after the accrediting amount.
Using a kind of methods, devices and systems for opening electronic certificate provided by the present invention, one can be opened
Kind of the electronic certificate with acceptance and guarantee function, reduces transaction risk, and allow open electronics with
During card, the request of change payment account is proposed at any time, and without proposing to open electronic certificate again
Request, improves flexibility and efficiency that electronic certificate is opened.
Brief description of the drawings
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 that each main body during electronic certificate is opened in the embodiment of the present invention；
Fig. 3 is the flow chart of the payment account information of capital management server authentication second in the embodiment of the present invention；
Fig. 4 is the flow chart of the method second embodiment that the present invention opens electronic certificate；
Fig. 5 is the flow chart of the method 3rd embodiment that the present invention opens electronic certificate；
Fig. 6 is the module diagram of the embodiment of system one 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；
Fig. 9 is the module diagram of the device 3rd embodiment that the present invention opens electronic certificate；
Figure 10 is the module diagram of the device fourth embodiment that the present invention opens electronic certificate.
The realization of the object of the invention, functional characteristics and advantage will be done further referring to the drawings in conjunction with the embodiments
Explanation.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, limit is not used to
The fixed present invention.
In the embodiment of the present invention, capital management server is the server of institutions managing funds, capital management
Mechanism refers to the mechanism that can support Capital Flow, and including but not limited to bank and other financial institutions is (as demonstrate,proved
Certificate mechanism, Third-party payment platform etc.), i.e., 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 draw and is opened the accrediting amount with institutions managing funds name, and promise is carried 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, payer is to answer the request of opener as electronic certificate payer, with
The fund or the accrediting amount of its account are as guarantee fund for opener opens the master that electronic certificate is tendered guarantee
Body, can be natural person, legal person or hetero-organization, the terminal that payment terminals are held for payer.
In the embodiment of the present invention, the money after electronic certificate actually capital management server will freeze is opened
Gold is registered under the account of opener.
In the embodiment of the present invention, electronic certificate basic service flow 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 handles payment and settlement by management organization.It is specific as follows：
1. after transaction body both sides form order, to opening L/C, mechanism (opens electronics to opener (such as buyer)
The institutions managing funds of voucher, such as Opening Bank) (certainly, opener can have application for credit being formed
The application for credit during trading order form of body；Can be when trading order form not be formed yet, opener's folk prescription is actively applied
Open L/C).
2. open L/C after mechanism accepts, open the fund or the accrediting amount of electronic certificate and freeze corresponding amount.
3. receive witness (such as seller) and receive card to Shou Zheng mechanisms (such as recipient bank) application.
4. card is received after Shou Zheng mechanisms checking information is errorless, and electronic certificate enters honours an agreement the phase, receives witness and enters
Journey about (such as businessman sends commodity, you can think to be honoured an agreement).
5. after receipts witness honours an agreement, electronic certificate obtains information of honouring an agreement, and the silver-colored letter state of change, electronic certificate enters
Enter to sign for the phase, wait being sent to for commodity, sign for commodity.
6. after opener signs for commodity, that is, witness is received according to the solution of electronic certificate pair condition completion electricity
After terms of trade corresponding to sub- voucher, commission Shou Zheng mechanisms 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 mechanisms is received
Fund is transferred to receipts witness's account by card mechanism.
It should be appreciated that above-mentioned is only that, with a kind of mode of electronic certificate, can also be and use electronic certificate
Purchase service.When service is bought, 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 honoured 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, and such as concludes the business face to face.
Hereinafter, the flow of opening of electronic certificate is described in detail by specific embodiment.
Referring to Fig. 1, Fig. 2, propose that the present invention opens the method first embodiment of electronic certificate, the present embodiment
Method be applied to capital management server, the described method comprises the following steps：
The first payment account information that S11, open L/C request and the payment terminals that are sent according to end of opening L/C send starts
Carry out opening for electronic certificate.
Specifically, as shown in Fig. 2 open L/C end first to payment terminals send request payment terminals as electronics with
Demonstrate,prove the request of payer；After payment terminals receive request, if agreeing to as electronic certificate payer, will
Approval information is sent to end of opening L/C；After termination of opening L/C receives approval information, then sent out to capital management server
Request of opening L/C is sent, the request of opening L/C includes the amount of money of opening L/C；Capital management server is received opens L/C what end sent
Open L/C request；The notice of request of opening L/C has been sent out at end of opening L/C to payment terminals immediately；Payment terminals are by logging in
Corresponding webpage, using etc. mode send the first payment account information to capital management server；Fund pipe
After reason server receives the first payment account information, then according to request and the first payment account information of opening L/C
Opening for electronic certificate is carried out, the first payment account information of checking is specifically included, such as checking first is paid a bill
Whether the balance of funding or accrediting amount remaining sum at family are more than or equal to amount of money etc. of opening L/C.
S12, reception change payment account request, judge whether to agree to change payment account.When agreement is changed
During payment account, step S13 is performed；Otherwise, flow is terminated, or feedback refusal changes payment account
Information, and ask whether to continue to open electronic certificate according to the first payment account information.
In this step S12, capital management server according to open L/C request and the first payment account information into
Before work(opens electronic certificate, payment terminals can propose change payment account to capital management server at any time
Request.
Specifically, as shown in Fig. 2 during opening L/C, payment terminals send to capital management server and change
Payment account is asked, and after capital management server receives change payment account request, auditing the request is
It is no eligible, such as include time conditions (such as whether before successfully electronic certificate is opened) or other taboos
Only property rated condition etc., then agrees to change payment account after examination ＆ verification passes through, when examination ＆ verification is not by then different
Meaning change payment account.
In certain embodiments, it is also possible to which from opening L/C, end proposes change payment account to capital management server
Request.Specifically, during opening L/C, end of opening L/C sends change payment account to capital management server
Request, after capital management server receives change payment account request, audits whether the request meets bar
Part, then agrees to change payment account after examination ＆ verification passes through, when examination ＆ verification is not by then refusal change payment account.
S13, feedback agree to the information of change payment account.
When change payment account request is proposed by payment terminals, capital management server then feeds back to payment terminals
Agree to the information of change payment account.
When the request of change payment account is proposed by end of opening L/C, capital management server then feeds back to end of opening L/C
Agree to the information of change payment account, end of opening L/C sends change payment account to payment terminals again asks.Or,
The letter of change payment account can also be agreed to payment terminals and end feedback of opening L/C simultaneously from capital management server
Breath.
S14, the second payment account information for receiving payment terminals transmission are simultaneously verified.When being verified,
Perform step S15；When failing the authentication, terminate flow, while can also to end of opening L/C (or open L/C end with
Payment terminals) feedback electronic voucher opens the information of failure.
Specifically, as shown in Fig. 2 payment terminals receive agree to change payment account information after, then to
Capital management server sends the second payment account information.
After capital management server receives the second payment account information, then terminate according to the first payment account
Information opens the flow of electronic certificate, then carries out opening for electronic certificate according to the second payment account information,
The second payment account information is verified.The payment account information of capital management server authentication second
Process will be discussed later in more detail.
S15, freeze to open electronic certificate after the fund or the accrediting amount of corresponding amount in the second payment account.
In this step S15, after the second payment account information is verified, capital management server then freezes
With the fund or the accrediting amount of amount of money single-candidate of opening L/C in the payment account of knot second, and open electronic certificate.Also
End (or the open L/C end and payment terminals) electronic certificate that can further notify to open L/C is opened successfully.
S16, the state of renewal electronic certificate are to have opened L/C.
In certain embodiments, it is also possible to omit step S16.
In abovementioned steps S14, the second payment account information includes that the second payment account name is paid a bill with second
The family amount of money, the process of the payment account information of capital management server authentication second is specific as shown in figure 3, bag
Include following steps：
S141, checking the second payment account name, when the second payment account name is proved to be successful, then perform step
Rapid S142；Otherwise, authentication failed.
S142, the second payment account amount of money of checking, judge whether the second payment account amount of money is more than or equal to
Open L/C the amount of money.When the second payment account amount of money is more than or equal to opens L/C the amount of money, it is verified；Otherwise,
Authentication failed.Wherein, the second payment account amount of money is the balance of funding or the accrediting amount of the second payment account
Remaining sum
In previous embodiment, only payment account is once changed, actually during opening L/C,
Before successfully opening L/C, even repeatedly change can be carried out twice to payment account.For example, in step S15
Before, open L/C end or payment terminals can also carry out second to payment account to capital management server request
Change, before proposing after second changes, successfully opening electronic certificate, can also propose third time more
Change, the rest may be inferred.
With reference to referring to Fig. 4 and Fig. 2, propose that the present invention opens the method second embodiment of electronic certificate, this reality
The method for applying example is applied to end of opening L/C, and the described method comprises the following steps：
S21, to payment terminals send request as electronic certificate payer request.
S22, receive the information of the agreement as electronic certificate payer of payment terminals transmission after, to fund pipe
Reason server sends request of opening L/C.
Specifically, as shown in Fig. 2 payment terminals receive request after, if agree to as electronic certificate pay
People, then will have agreed to information and be sent to end of opening L/C；After termination of opening L/C receives approval information, then to capital management
Server sends request of opening L/C, and the request of opening L/C includes the amount of money of opening L/C.
S23, notice payment terminals have sent request of opening L/C.
Specifically, as shown in Fig. 2 open L/C end to capital management server send open L/C request after, immediately
The notice of request of opening L/C is sent out to payment terminals, so that payment terminals are by logging in corresponding webpage, application
The first payment account information is sent to capital management server etc. mode, capital management server is carried out accordingly
Electronic certificate is opened.
S24, to capital management server send change payment account ask.
In this step S24, during opening L/C, before successfully opening electronic certificate, end of opening L/C at any time may be used
To send the request of change payment account to capital management server.
S25, receive capital management server transmission agreement change payment account information after, to payment
End sends change payment account request.
Specifically, as shown in Fig. 2 after capital management server receives change payment account request, examining
Whether the core request is eligible, and then change payment account is agreed to end feedback of opening L/C after examination ＆ verification passes through
Information.After termination of opening L/C receives approval information, then send change payment account to payment terminals and ask, so that
Payment terminals send the second payment account information to capital management server, and capital management server is according to second
Payment account information carries out opening for electronic certificate.
With reference to referring to Fig. 5 and Fig. 2, propose that the present invention opens the method 3rd embodiment of electronic certificate, this reality
The method for applying example is applied to payment terminals, the described method comprises the following steps：
S31, to open L/C end feedback agree to as electronic certificate payer information.
Specifically, as shown in Fig. 2 payment terminals receive the request payment terminals of end transmission of opening L/C as electronics
After the request of voucher payer, if agreeing to as electronic certificate payer, sent to end of opening L/C and agree to make
It is the information of electronic certificate payer.
S32, receive open L/C end send to capital management server send open L/C request notice after,
The first payment account information is sent to capital management server.
S33, to capital management server send change payment account ask.
In this step S33, capital management server according to open L/C request and the first payment account information into
Before work(opens electronic certificate, payment terminals can send change payment account to capital management server at any time
Request.
S34, receive capital management server transmission agreement change payment account information after, to fund
Management server sends the second payment account information.
Specifically, as shown in Fig. 2 after capital management server receives change payment account request, examining
Whether the core request is eligible, and then change payment account is agreed to payment terminals feedback after examination ＆ verification passes through
Information.After payment terminals receive the information for agreeing to change payment account, immediately to capital management server
Send the second payment account information.
In previous embodiment, opener and artificial two different main bodys are paid, that is, open L/C end and payment terminals
It is two different terminals.In fact, opener is payer in certain embodiments, i.e.,：Open L/C
People opens electronic certificate as guarantee using the first account of oneself to institutions managing funds application, now, opens
Card end and payment terminals are same terminal, and end of opening L/C then directly sends opener to capital management server asks
And first accounts information.During opening L/C, end of opening L/C is proposed the to capital management server at any time
One payment account is changed to the second payment account.
So as to, the method that the present invention opens electronic certificate, during electronic certificate is opened, can be at any time
Change payment account is proposed to institutions managing funds, without proposing that electronic certificate is opened L/C request again.One side
Face, is paid by electronic certificate, reduces transaction risk；On the other hand, improve and open electronics
The flexibility of voucher and efficiency.
Referring to Fig. 6, propose that the present invention opens the embodiment of system one of electronic certificate, the system includes opening L/C
End, payment terminals and capital management server, wherein：
Open L/C end：For sending request of the request as electronic certificate payer to payment terminals, and receive branch
Pay the feedback information at end；When the feedback information of payment terminals is to agree to as electronic certificate payer, Xiang Zi
Golden management server sends request of opening L/C, and notifies payment terminals.
In certain embodiments, opening L/C end can be during opening L/C to the transmission change of capital management server
Payment account is asked；After the information of agreement change payment account of capital management server transmission is received,
Change payment account is sent to payment terminals to ask.
Payment terminals：For receiving the request of end transmission of opening L/C as the request of electronic certificate payer, when same
When meaning is as electronic certificate payer, to opening L/C, end feedback is agreed to as the information of electronic certificate payer；
After receiving the notice of the request of being opened L/C to the transmission of capital management server that end of opening L/C sends, to fund pipe
Reason server sends the first payment account information；During opening L/C, sent more to capital management server
Change payment account request, after receiving the information of agreement change payment account of capital management server transmission,
The second payment account information is sent to capital management server.
In certain embodiments, when payment terminals receive the change payment account request that end of opening L/C sends, to
Capital management server sends the second payment account information.
Capital management server：For receiving open L/C request and payment terminals that end of opening L/C sends send first
Payment account information；According to opening L/C, request and the first payment account information carry out opening for electronic certificate；
During opening L/C, change payment account request is received, when change payment account is agreed to, feedback is agreed to more
Change the information of payment account, and notify first open L/C end-of-module electronic certificate open flow；Receive branch
Pay the second payment account information of end transmission and verified, after being verified, freeze second and pay a bill
In family electronic certificate is opened after the fund or the accrediting amount of corresponding amount.
What above-described embodiment was provided opens the system of electronic certificate and opens the embodiment of the method category of electronic certificate
In same design, it implements the technical characteristic during process refers to embodiment of the method, and embodiment of the method
Corresponded in system embodiment and be applicable, repeated no more here.
Referring to Fig. 7, propose that the present invention opens the device first embodiment of electronic certificate, the device of the present embodiment
It is applied to foregoing capital management server, including first opens L/C module, change module, authentication module and the
Two open L/C module, wherein：
First opens L/C module：For receiving first that open L/C request and payment terminals that end of opening L/C sends send
Accounts information is paid, request and the first payment account information proceed by opening for electronic certificate according to opening L/C.
Change module：For during opening L/C, receiving change payment account request, when agreement change branch
Pay a bill family when, feedback agree to change payment account information, and receive payment terminals transmission second pay a bill
Family information.
Specifically, after change module receives the change payment account request that open L/C end or payment terminals send,
Audit the change payment account request, when examination ＆ verification by after feedback agree to change payment account information.
Authentication module is used for：The second payment account information is verified, after being verified, freezes the second payment
In account electronic certificate is opened after the fund or the accrediting amount of corresponding amount.Second payment account information includes
Second payment account name and the second payment account amount of money.
Specifically, authentication module first verifies that the second payment account name；When the second payment account name is verified into
After work(, then verify the second payment account amount of money whether more than or equal to the amount of money of opening L/C；When the second payment account
The amount of money more than or equal to open L/C the amount of money when, be verified；Otherwise, authentication failed.Wherein, second pay
Account amount of money is the balance of funding or accrediting amount remaining sum of the second payment account
Second opens L/C module：For after the second payment account information is verified, freezing second and paying a bill
In family electronic certificate is opened after the fund of corresponding amount or credit.
It is illustrated in figure 8 the device second embodiment that the present invention opens electronic certificate, the device of the present embodiment
Foregoing capital management server is also applied to, the present embodiment is the increase in one more with the difference of first embodiment
New module, the update module is used to after electronic certificate is opened update the state of electronic certificate to have opened L/C.
Referring to Fig. 9, propose that the present invention opens the device 3rd embodiment of electronic certificate, the device of the present embodiment
Foregoing end of opening L/C is applied to, described device includes paying request module, request module of opening L/C and the first change
Request module, wherein：
Pay request module：For sending request of the request as electronic certificate payer to payment terminals, and
The feedback information of payment terminals is received, when feedback information is received to agree to as electronic certificate payer,
Notice is opened L/C request module.
Open L/C request module：For when payment terminals feedback information for agree to as electronic certificate payer when,
Request of opening L/C is sent to capital management server, and notifies payment terminals, so that payment terminals take to capital management
Business device sends the first payment account information.
First change request module：For during opening L/C, change branch being sent to capital management server
Pay account request；After the information of agreement change payment account of capital management server transmission is received,
Change payment account is sent to payment terminals to ask, so that payment terminals send second to capital management server
Pay accounts information.
Referring to Figure 10, propose that the present invention opens the device fourth embodiment of electronic certificate, the dress of the present embodiment
Put and be applied to foregoing payment terminals, described device includes paying request feedback module, payment information sending module
Request module is changed with second, wherein：
Pay request feedback module：For receiving the request of end transmission of opening L/C as electronic certificate payer's
Request, when agreeing to as electronic certificate payer, feedback is agreed to as the information of electronic certificate payer,
Otherwise not respond or feed back the information disagreed as electronic certificate payer；
Payment information sending module：For receiving being sent to capital management server for end transmission of opening L/C
After the notice of request of opening L/C, the first payment account information is sent to capital management server；
Second change request module：For during opening L/C, change branch being sent to capital management server
Account request is paid, after the information of agreement change payment account of capital management server transmission is received,
The second payment account information is sent to capital management server.
What above-described embodiment was provided opens the device of electronic certificate and opens the embodiment of the method category of electronic certificate
In same design, it implements the technical characteristic during process refers to embodiment of the method, and embodiment of the method
Corresponded in device embodiment and be applicable, repeated no more here.
So as to, the present invention opens the device of electronic certificate, during electronic certificate is opened, can be at any time
Change payment account is proposed, without proposing that electronic certificate is opened L/C request again.On the one hand, by electronics with
Card is paid, and reduces transaction risk；On the other hand, improve open electronic certificate flexibility and
Efficiency.
One of ordinary skill in the art will appreciate that, realize all or part of step in above-described embodiment method
The hardware of correlation can be controlled to complete by program, 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 of the invention
The scope of the claims, the equivalent structure or equivalent process that every utilization description of the invention and accompanying drawing content are made becomes
Change, or be directly or indirectly used in other related technical fields, be similarly included in patent of the invention
In protection domain.
Claims (11)
1. a kind of method for opening electronic certificate, is applied to capital management server, it is characterised in that bag
Include step：
The first payment account information that open L/C request and the payment terminals sent according to end of opening L/C send is proceeded by
Electronic certificate is opened；
During opening L/C, the change payment account request that opened L/C described in reception end or the payment terminals send,
When change payment account is agreed to, feedback agrees to the information of change payment account；
Receive the second payment account information that the payment terminals send；
Verify second payment account information；
After being verified, after freezing the fund or the accrediting amount of corresponding amount in second payment account
Open electronic certificate.
2. the method for opening electronic certificate according to claim 1, it is characterised in that open L/C artificial
Payer, end and the payment terminals of opening L/C are same terminal.
3. the method for opening electronic certificate according to claim 1, it is characterised in that described second
Payment account information includes the second payment account name and the second payment account amount of money, and the checking second pays
Accounts information includes：
Verify the second payment account name；
After second payment account name is proved to be successful, verify whether the second payment account amount of money is big
In or equal to open L/C the amount of money, the second payment account amount of money is the balance of funding of the second payment account or awards
Letter credit balance；
When the second payment account amount of money is more than or equal to opens L/C the amount of money, it is verified；Otherwise, test
Card failure.
4. the method for opening electronic certificate according to claim any one of 1-3, it is characterised in that
It is described freeze to be opened after the fund or the accrediting amount of corresponding amount in second payment account electronic certificate it
After include：
The state of the electronic certificate is updated to have opened L/C.
5. a kind of method for opening electronic certificate, is applied to end of opening L/C, it is characterised in that including step：
Request of the request as electronic certificate payer is sent to payment terminals；
After receiving information of the agreement of the payment terminals transmission as electronic certificate payer, to fund pipe
Reason server sends request of opening L/C, and notifies the payment terminals, so that the payment terminals are to the fund pipe
Reason server sends the first payment account information；
During opening L/C, send change payment account to the capital management server and ask, receive
After the information of the agreement change payment account that the capital management server sends, sent to the payment terminals
Change payment account request, so as to the payment terminals send second to the capital management server pay a bill
Family information.
6. a kind of device for opening electronic certificate, is applied to capital management server, it is characterised in that bag
Include：
First opens L/C module, send first of open L/C request and the payment terminals for being sent according to end of opening L/C
Pay accounts information and proceed by opening for electronic certificate；
Change module, holds for during opening L/C, being opened L/C described in reception or the payment terminals sends more
Change payment account request, feedback agrees to the information of change payment account when change payment account is agreed to, and
Receive the second payment account information that the payment terminals send；
Authentication module, for verifying second payment account information；
Second opens L/C module, for after second payment account information is verified, freezing described
In two payment accounts electronic certificate is opened after the fund of corresponding amount or credit.
7. the device for opening electronic certificate according to claim 6, it is characterised in that open L/C artificial
Payer, end and the payment terminals of opening L/C are same terminal.
8. the device for opening electronic certificate according to claim 6, it is characterised in that described second
Payment account information includes the second payment account name and the second payment account amount of money, and the authentication module is used for：
Verify the second payment account name；
After second payment account name is proved to be successful, verify whether the second payment account amount of money is big
In or equal to open L/C the amount of money, the second payment account amount of money is the balance of funding of the second payment account or awards
Letter credit balance；
When the second payment account amount of money is more than or equal to opens L/C the amount of money, it is verified；Otherwise, test
Card failure.
9. the device for opening electronic certificate according to claim any one of 6-8, it is characterised in that
Described device also includes update module, and the update module is used to update the electricity after electronic certificate is opened
The state of sub- voucher is to have opened L/C.
10. a kind of device for opening electronic certificate, is applied to end of opening L/C, it is characterised in that including：
Request module is paid, for sending request of the request as electronic certificate payer to payment terminals, when
After receiving information of the agreement of the payment terminals transmission as electronic certificate payer, request of opening L/C is notified
Module；
Open L/C request module, for sending request of opening L/C to capital management server, and notify the payment
End, so that the payment terminals send the first payment account information to the capital management server；
First change request module, for during opening L/C, being sent more to the capital management server
Change payment account request；When the agreement change payment account for receiving the capital management server transmission
After information, send change payment account to payment terminals and ask, so that the payment terminals are to the capital management
Server sends the second payment account information.
11. a kind of systems for opening electronic certificate, it is characterised in that including end, payment terminals and the money of opening L/C
Golden management server, wherein：
The end of opening L/C, for sending request of the request as electronic certificate payer to the payment terminals；
After receiving information of the agreement of the payment terminals transmission as electronic certificate payer, taken to capital management
Business device sends request of opening L/C, and notifies the payment terminals；
The payment terminals, for agreeing to make as the request feedback of electronic certificate payer according to the request
It is the information of electronic certificate payer；Request of opening L/C is sent described in receiving to capital management server
After notice, the first payment account information is sent to the capital management server；During opening L/C, to
The capital management server sends change payment account request；Receive the capital management server hair
After the information of the agreement change payment account for sending, the second payment account is sent to the capital management server
Information；
The capital management server, for request and first payment account information of being opened L/C according to
Proceed by opening for electronic certificate；During opening L/C, the change payment account request is received, when
Feedback agrees to the information of change payment account when agreeing to change payment account；Receive second payment account
Information is simultaneously verified；After being verified, freeze the fund of corresponding amount in second payment account
Or electronic certificate is opened after the accrediting amount.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510428899.1A CN106709719A (en) | 2015-07-21 | 2015-07-21 | Method, device and system for issuing electronic certificate |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510428899.1A CN106709719A (en) | 2015-07-21 | 2015-07-21 | Method, device and system for issuing electronic certificate |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106709719A true CN106709719A (en) | 2017-05-24 |
Family
ID=58894512
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510428899.1A Pending CN106709719A (en) | 2015-07-21 | 2015-07-21 | Method, device and system for issuing electronic certificate |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106709719A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108280620A (en) * | 2017-08-28 | 2018-07-13 | 平安科技（深圳）有限公司 | Amending method, device, storage medium and the terminal of account name |
| CN110298752A (en) * | 2019-05-29 | 2019-10-01 | 鉴付安(上海)网络科技股份有限公司 | Method of payment |
-
2015
- 2015-07-21 CN CN201510428899.1A patent/CN106709719A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108280620A (en) * | 2017-08-28 | 2018-07-13 | 平安科技（深圳）有限公司 | Amending method, device, storage medium and the terminal of account name |
| CN110298752A (en) * | 2019-05-29 | 2019-10-01 | 鉴付安(上海)网络科技股份有限公司 | Method of payment |
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Application publication date: 20170524 |