WO2017012008A1

WO2017012008A1 - Method, server, terminal, and system for changing period of validity of electronic certificate

Info

Publication number: WO2017012008A1
Application number: PCT/CN2015/084577
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Also published as: CA2993583C; CA2993583A1

Abstract

A method, a server, a terminal, and a system for changing the period of validity of an electronic certificate, comprising the following steps: acquiring a certificate issuing request message generated by a terminal (S101), the certificate issuing request message comprising the ID information of the applicant and the payment account information; on the basis of the acquired certificate issuing request message, generating a certificate pre-issuing request message (S102) and sending same to the terminal; acquiring a period of validity change request message generated by the terminal (S103), the period of validity change request message comprising a new period of validity; on the basis of the acquired period of validity change request message, determining whether to change the period of validity of the electronic certificate (S104); if so, then changing the period of validity of the electronic certificate (S105). The period of validity of the electronic certificate can be changed before the certificate is issued, such that, when changing the period of validity of the electronic certificate, the applicant does not need to re-implement the certificate organising service, saving the applicant the certificate issuing time.

Description

Method, server, terminal and system for modifying the validity period of electronic voucher

[0001] The present invention relates to the field of electronic commerce applications, and in particular, to a method, a server, a terminal, and a system for modifying an expiration date of an electronic voucher.

BACKGROUND OF THE INVENTION

[0003] With the development of computers, networks and modern communication technologies, e-commerce applications have gradually entered thousands of households and become one of the trading methods of people. E-commerce uses the Internet platform to connect all parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), reducing the cost of transactions by networking, electronically and informatizing the entire transaction process. Improve transaction efficiency.

[0004] However, in the current e-commerce application, the transfer of funds mainly relies on the traditional electronic transfer payment method and the third-party payment method. Even if payment is made by cheque or other bills, the expiration date cannot be changed. The user must re-set up the e-account. The period of the process is long, and the steps of the process are cumbersome, resulting in the user being unable to use it. It can meet the e-commerce activities of today's large transaction volume and frequent transactions. In particular, the handling of electronic transactions such as electronic bills, if it is necessary to change the expiration date, requires a lot of time and effort to re-apply, resulting in the inability to use electronic bills for electronic transactions during the transition period without re-handling.

SUMMARY OF THE INVENTION

The present application provides a method, server, terminal and system capable of modifying the validity period of an electronic voucher without requiring re-certification.

[0007] In one aspect, an embodiment provides a method for modifying an expiration date of an electronic voucher, including the following steps.

Obtaining the certificate request information generated by the terminal, where the request information includes the identity information of the applicant and the payment account information;

[0009] generating pre-certification request information according to the obtained authentication request information and transmitting the information to the terminal;

[0010] obtaining validity period modification request information generated by the terminal, where the validity period modification request information includes a new validity period;

[0011] determining, according to the acquired validity period modification request information, whether to modify the validity period of the electronic certificate, and if yes, Modify the validity period of the electronic voucher.

[0012] In another embodiment, the obtained verification request information is verified before the pre-certification request information is generated.

If the verification is passed, the pre-certification request information is generated.

[0013] In an embodiment, a method for modifying an expiration date of an electronic voucher includes the following steps:

[0014] the generated request information is sent to the server, and the request information includes the applicant's identity information and payment account information;

[0015] obtaining pre-certification request information generated by the server;

[0016] The validity period modification request information is generated according to the pre-certification request information and sent to the server, and the validity period modification request information includes a new validity period.

[0017] In another aspect, a server for modifying an expiration date of an electronic voucher is provided in an embodiment, including: [0018] an obtaining module, configured to acquire information about the authentication request generated by the terminal, and the information of the terminal according to the pre-certification request The generated validity period modification request information includes the applicant's identity information and payment account information.

, the validity period modification request information includes a new validity period;

[0019] a sending module, configured to send the generated pre-certification request information and the verification failure information to the terminal;

[0020] a storage module, configured to store the certificate request information, the pre-certification request information, the validity period modification request information, and the pre-stored electronic certificate validity period;

[0021] and a processing module, configured to compare the obtained validity period modification request information with the pre-stored electronic certificate validity period, determine whether the requested time period is within the pre-stored validity period, generate pre-certification request information, and modify The validity period of the electronic voucher.

[0022] Another embodiment provides a terminal for modifying an expiration date of an electronic voucher, including:

[0023] an obtaining module, configured to acquire pre-certification request information generated by the server;

[0024] a sending module, configured to send the certificate request information and the validity period modification request information to the server, where the request information includes the identity information of the applicant and the payment account information, and further includes identity information, contact information, and deposit account number of the recipient Information

[0025] a storage module, configured to store pre-certification request information, pre-certification request information, and validity period modification request information

[0026] a processing module, configured to generate validity period modification request information according to the pre-certification request information.

[0027] Another embodiment provides a system for modifying the validity period of an electronic voucher, including the above-mentioned modified electronic The server that validates the validity period and the terminal that modifies the validity period of the electronic voucher.

[0028] A method, a server, a terminal, and a system for modifying an expiration date of an electronic voucher according to the above embodiment, wherein the validity period of the electronic voucher is modified by the terminal and/or the server and the server before the embarrassing certificate, so that the applicant needs to modify After the validity period of the electronic voucher, there is no need to re-operate the entire process of the certificate, which saves the applicant the time and effort of re-certifying the cost.

BRIEF DESCRIPTION OF THE DRAWINGS

1 is a flowchart of a method for modifying an expiration date of an electronic voucher according to an embodiment of the present invention;

2 is a flowchart of a method for modifying an expiration date of an electronic voucher according to another embodiment of the present invention; [0032] FIG. 3 is a flowchart of a method for modifying an expiration date of an electronic voucher according to an embodiment of the present invention; ;

4 is a structural block diagram of a server for modifying an expiration date of an electronic voucher according to the present invention;

5 is a structural block diagram of a terminal for modifying an expiration date of an electronic voucher according to the present invention;

6 is a structural block diagram of a system for modifying an expiration date of an electronic voucher according to the present invention.

DETAILED DESCRIPTION

[0037] The electronic voucher described in the present solution, that is, the electronic commitment payment voucher that the bank promises to pay the funds according to the agreed conditions, means that the bank freezes the required amount of funds or uses the credit line according to the applicant's application, and promises to comply with the agreement. The payment condition is to pay the electronic credit commitment payment certificate for payment settlement.

[0038] The usual business process of the electronic voucher mentioned in the present application file is as follows: The bank of the securities bank freezes the required amount of funds according to the applicant's application to establish an electronic credit commitment payment voucher, and the certificate is collected by the certificate receiving bank. The certificate, when the agreed settlement conditions are fulfilled, the bank will pay the funds and handle the payment settlement with the certificate holder through the bank.

[0039] The present invention will be further described in detail below with reference to the accompanying drawings.

[0040] Embodiment 1:

[0041] As shown in FIG. 1, the embodiment provides a method for modifying an expiration date of an electronic voucher. The method is completed by a server of a bank, and includes the following steps:

[0042] S101: Obtaining the request information generated by the terminal;

[0043] The applicant generates the forensic request information by filling in the relevant information of the license through the terminal, and the request information includes the identity information of the applicant and the payment account information. In other embodiments, preferably, the request information further includes identity information, contact information, and deposit account information of the recipient. ID card information package Name and ID number, contact information includes mobile number, email, micro-signal or other social tools. It will be understood that the above-mentioned "receiver" refers to an individual who receives an electronic voucher. By designating the recipient, it is convenient to speed up the collection. The same can be used to remind the recipient to receive the electronic certificate through the contact information of the recipient.

[0044] S102: Generate pre-certification request information;

[0045] The server generates pre-certification request information according to the obtained authentication request information and sends the information to the terminal. The user of the terminal can check whether the information is correct by requesting the information. The pre-certification request information includes relevant data information submitted by the applicant for the request, such as the validity period originally set.

[0046] S103: Obtain validity period modification request information;

[0047] The terminal fills in the new expiration date of the electronic voucher according to the pre-certification request information sent by the server, generates the validity period modification request information, and sends the validity period modification request information to the bank.

[0048] S104: determining whether to modify the validity period of the electronic voucher;

[0049] comparing the obtained validity period modification request information with the pre-stored electronic certificate validity period, and determining whether the new validity period is within the pre-stored validity period. If yes, modify the validity period of the electronic voucher; if no, it will not respond and end. The pre-existing validity period of the electronic voucher is the inter-district segment pre-set by the bank, which clarifies the diurnal range that the applicant can modify, and avoids the intentional or unintentional setting of the validity period of the applicant to deviate from the actual situation. The validity period of the electronic voucher has the following two calculation methods: If the failure time of the electronic voucher is set to expire on June 12, 2015, a total failure time is set in an absolute time; a relative For the total period of failure, for example, the electronic voucher is valid for one month from the date of the certificate.

[0050] S105: modifying an expiration date of the electronic voucher;

[0051] The server replaces the new validity period of the electronic voucher with the original validity period.

[0052] S106: Freezing the funds or using the credit, and extracting the electronic voucher.

[0053] The server combines the applicant's request and the information of the bank to freeze the funds or use the credit, and establishes an electronic certificate, which carries the conditional commitment payment of the bank and the payment bank. It is to be understood that the term "payment bank" as used in this section refers to a bank or other financial institution that operates a frozen fund or an account in which the credit is issued.

[0054] The method for modifying the validity period of the electronic voucher provided by the embodiment is as follows: 吋 The validity period of the electronic voucher has been modified so that the applicant does not need to re-apply for the business of the e-voucher after it is required to modify the validity period of the e-voucher, saving the applicant the time and effort of re-certifying the e-voucher.

[0055] Embodiment 2:

[0056] This embodiment adds a verification process before generating the pre-certification request information in step S102 of the first embodiment.

[0057] As shown in FIG. 2, a method for modifying an expiration date of an electronic voucher provided by the embodiment includes the following steps:

[0058] S101: Obtaining the request information generated by the terminal;

[0059] S102: verifying the request information of the certificate;

[0060] The verification request information is verified, and if the verification is passed, the process proceeds to the next step; if the verification fails, the verification failure information is generated and transmitted to the terminal, and ends. The verification includes real-name authentication and credit authentication. The real-name authentication is used to verify whether the tenant is genuine or not. The credit authentication is used to verify the credit history of the tenant. If there is a bad credit record, it is blacklisted. The verification also includes verifying that the tenant has information on the account at the bank, which facilitates the management of the bank.

[0061] S103: Generate pre-certification request information;

[0062] S104: Obtain validity period modification request information;

[0063] S105: determining whether to modify the validity period of the electronic voucher;

[0064] S106: modifying an expiration date of the electronic voucher;

[0065] S107: Freezing the funds or using the credit, and extracting the electronic voucher.

[0066] A method for modifying the validity period of an electronic voucher provided by the embodiment provides a verification process before the pre-certification request information is generated, thereby improving the security of the e-Cert.

[0067] Embodiment 3:

[0068] As shown in FIG. 3, the embodiment provides a method for modifying an expiration date of an electronic voucher. The method is completed by the terminal, and includes the following steps:

[0069] S201: generating the certificate request information;

[0070] The applicant fills in the corresponding request information through the terminal, and the terminal generates the request information according to the input information, and sends the request information to the server.

[0071] wherein, the request information further includes the applicant's identity information and payment account information, and the recipient's body Information, contact information and deposit account information.

[0072] S202: obtaining pre-certification request information;

[0073] After the server obtains the request packet sent by the terminal, the server generates the pre-certification request information according to the obtained request information and sends the information to the terminal.

[0074] S203: Generate validity period modification request information.

[0075] The terminal generates validity period modification request information according to the obtained pre-certification request information, and sends the information to the server.

The server then modifies the validity period according to the validity period modification request information.

[0076] wherein the validity period modification request information includes a new validity period.

[0077] Embodiment 4:

As shown in FIG. 4, the embodiment provides a server A for modifying an expiration date of an electronic voucher, comprising: an obtaining module 1, a sending module 2, a storage module 3, and a processing module 4. The acquisition module 1, the transmission module 2, and the storage module 3 are respectively connected to the processing module 4 signal.

[0079] The obtaining module 1 is configured to obtain the certificate request information generated by the terminal and the validity period modification request information generated by the terminal according to the pre-certification request information, where the request information includes the applicant's identity information and payment account information, and the validity period modification request information. Includes a new expiration date. The request information also includes the identity information of the recipient, contact information and deposit account information. It is convenient for applicants and 吋 to accept electronic voucher application requests.

[0080] The sending module 2 is configured to send the generated pre-certification request information and the verification failure information to the terminal.

[0081] The storage module 3 is configured to store the certificate request information, the pre-certification request information, the validity period modification request information, and the pre-stored electronic certificate validity period.

[0082] The processing module 4 is configured to compare the obtained validity period modification request information with the pre-stored electronic certificate validity period, and determine whether the requested time period is within the pre-stored validity period; If the verification is passed, the verification request information is generated and transmitted to the terminal through the sending module 2. If not, the verification failure information is generated and transmitted to the terminal through the sending module 2. The verification includes real-name authentication and credit authentication; used to generate pre-certification request information, modify the validity period of the electronic voucher, freeze the funds or use the credit, and export the electronic voucher.

[0083] The system for modifying the validity period of the electronic voucher provided by the embodiment is provided with the acquisition module 1, the sending module 2, the storage module 3 and the processing module 4, so that the applicant avoids the need to modify the validity period of the electronic voucher to be re-applied. The accreditation business saved the applicants the time for re-certification, and the cost was reduced. Embodiment 5:

[0085] As shown in FIG. 5, the terminal B for modifying the validity period of the electronic voucher includes the acquisition module 5, the sending module 6, the storage module 7, and the processing module 8. The acquisition module 5, the transmission module 6 and the storage module 7 are respectively connected to the processing module 8 signal.

[0086] The obtaining module 5 is configured to obtain the pre-certification request information generated by the server;

[0087] The sending module 6 is configured to send the certificate request information and the validity period modification request information to the server, where the certificate request information includes the identity information and the payment account information of the applicant, and further includes the identity information and the contact information of the recipient. And deposit account information;

[0088] the storage module 7 is configured to store the pre-certification request information, the pre-certification request information, and the validity period modification request information;

[0089] The processing module 8 is configured to generate validity period modification request information according to the pre-certification request information.

[0090] The user can modify the validity period of the electronic voucher through the client, and avoid the procedures of re-entering the initial application and handling.

Embodiment 6:

[0092] As shown in FIG. 6, the embodiment includes the server A of the embodiment 4 and the terminal B of the embodiment 5, and the data interaction and processing of the server A and the terminal B can be used to modify the validity period of the electronic certificate, thereby saving Re-certify the day and energy.

The present invention has been described above with reference to specific examples, which are merely used to help the understanding of the invention and are not intended to limit the invention. For the person skilled in the art to which the invention pertains, several simple derivations, variations or substitutions can be made in accordance with the inventive concept.

technical problem

Problem solution

Advantageous effects of the invention

Claims

Claim

A method for modifying an expiration date of an electronic voucher, comprising the steps of: acquiring information of a request for authentication generated by a terminal, wherein the request for information includes the identity information of the applicant and the information of the payment account;

Generating pre-certification request information according to the obtained request information and transmitting the request information to the terminal; acquiring validity period modification request information generated by the terminal, where the validity period modification request information includes a new validity period;

Determining whether to modify the validity period of the electronic voucher according to the obtained validity period modification request information, and if yes, modifying the validity period of the electronic voucher.

The method for modifying the validity period of an electronic voucher according to claim 1, wherein the expiration date of the electronic voucher is determined according to the obtained validity period modification request information, specifically, the obtained validity period modification request information and the pre-stored The electronic voucher is valid during the period of validity, and it is judged whether the new expiration date is within the validity period of the pre-existing electronic voucher. The method for modifying the validity period of an electronic voucher according to claim 1, wherein the request information further includes identity information or contact information or deposit account information of the recipient.

The method for modifying the validity period of an electronic voucher according to claim 1, wherein before the generating the pre-certification request information, the obtained request information of the certificate is verified, and if the verification is passed, a pre-certification is generated. Request information.

A method of modifying an expiration date of an electronic voucher according to claim 4, wherein said verification comprises real-name authentication and/or credit authentication.

A method for modifying an expiration date of an electronic voucher, comprising the steps of: generating a request for authentication information and transmitting the information to the server, wherein the request information includes the identity information of the applicant and the payment account information;

Obtaining the pre-certification request information generated by the server;

And generating, by the pre-certification request information, validity period modification request information, which is sent to the server, where the validity period modification request information includes a new validity period.

A server for modifying an expiration date of an electronic voucher, comprising: The obtaining module is configured to obtain the certificate request information generated by the terminal and the validity period modification request information generated by the terminal according to the preview request information, where the certificate request information includes the applicant's identity information and payment account information, and the validity period is The modification request information includes a new validity period;

a sending module, configured to send the generated pre-certification request information and the verification failure information to the terminal; the storage module, configured to store the verification request information, the pre-certification request information, the validity period modification request information, and the pre-stored electronic voucher validity period Intersection

And a processing module, configured to compare the obtained validity period modification request information with the pre-stored electronic certificate validity period, determine whether the new validity period is within the pre-stored validity period, generate pre-certification request information, and modify the electronic certificate Validity period.

[Claim 8] The server for modifying the validity period of the electronic voucher according to claim 7, wherein the processing module is further configured to perform verification on the acquired request information, such as verification, to generate The request information is transmitted to the terminal through the sending module; if the verification fails, the verification failure information is generated and the terminal is fed back through the sending module.

[Claim 9] A terminal for modifying an expiration date of an electronic voucher, comprising:

An obtaining module, configured to obtain pre-certification request information generated by the server;

a sending module, configured to send the request information and the validity period modification request information to the server, where the request information includes the identity information of the applicant and the payment account information, and further includes identity information, contact information, and deposit account information of the recipient a storage module, configured to store the pre-certification request information, the pre-certification request information, and the validity period modification request information;

And a processing module, configured to generate validity period modification request information according to the pre-certification request information.

[Claim 10] A system for modifying an expiration date of an electronic voucher, comprising: a server for modifying an expiration date of an electronic voucher according to claim 7 or 8 and a terminal for modifying an expiration date of the electronic voucher according to claim 9.