WO2017012010A1

WO2017012010A1 - Method and system for changing certificate issuing bank of electronic certificate

Info

Publication number: WO2017012010A1
Application number: PCT/CN2015/084579
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: CA2993249A1; CA2993249C

Abstract

Disclosed in the present invention are a method and system for changing the certificate issuing bank of an electronic certificate, the method comprising the following process: receiving a first request message from a first terminal; determining whether the request of the first request message meets the conditions for changing the certificate issuing bank; if not, then feeding back to the first terminal a message that changing the certificate issuing bank is not granted; if so, then sending to the first terminal a second certificate issuing message; receiving a third request message from the first terminal; determining whether the request of the third request message meets the conditions for issuing an electronic certificate; if not, then feeding back to the first terminal a message that the issuing of the electronic certificate is not granted; if so, then implementing certificate issuing processing, issuing to the client an electronic certificate of a second certificate issuing bank. By means of the present invention, a client can change the certificate issuing bank by means of sending a first request message, and does not need to re-execute an operation to apply for an electronic certificate to be issued.

Description

Method and system for replacing electronic voucher certificate bank

[0001] The present invention relates to the field of electronic commerce, and in particular, to a method and system for replacing an electronic certificate certificate.

[0002]

BACKGROUND

[0004] With the development of computers, networks, and modern communication technologies, e-commerce applications have gradually entered thousands of households and become a trading method familiar to people. E-commerce uses the Internet platform to connect the various parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, and reduces the transaction by networking, electronic, and informatizing the entire transaction process. Cost, improve transaction efficiency.

[0005] However, in current e-commerce applications, the transfer of funds is mainly accomplished through traditional electronic direct transfer payment methods and third-party payment methods. The existing transaction forms are too singular, and in the process of transaction, the payment method cannot be customized, and the customization is lacking.

[0006]

SUMMARY OF THE INVENTION

According to a first aspect of the present invention, a system for replacing an electronic voucher is provided, comprising a receiving unit, a line feed analyzing unit, and a transmitting unit.

[0009] The receiving unit is configured to receive first request information from the first terminal; the first request information is used to request to replace the first issuing bank. The line feed analysis unit is configured to determine, after the receiving unit receives the first request information, whether the request for the first request information meets the condition for replacing the bank. If the request for judging the first request information does not meet the condition for replacing the bank, the control sending unit feeds back the information of the bank that does not replace the bank to the first terminal; if the request of the line change analysis unit determines that the first request information meets If the condition of the bank is replaced, the first terminal requests the information of the electronic certificate of the first bank to be issued, and the control sending unit sends the second card information to the first terminal, and the second card information is used for consent. The first terminal is replaced by a request from the bank.

[0010] The system further includes a first authentication unit; the receiving unit is further configured to receive the certificate from the first terminal For information, the request information is used to request the electronic voucher of the first bank; the first data analysis unit is configured to determine whether the request for the request information is met after the receiving unit receives the request information. The conditions for the electronic certificate of the first bank. If the first certificate analysis unit determines that the request for the certificate request information does not meet the condition for the electronic certificate of the first bank, the control sending unit feeds back to the first terminal information that the electronic certificate is not issued; If the request for judging the request information of the certificate meets the condition for the electronic certificate of the first bank, the certificate is processed to obtain the electronic certificate of the first bank for the customer.

[0011] The system, after the receiving unit receives the request of the first terminal to pass the authentication request information of the electronic certificate of the first issuing bank, and the first authentication unit fails to send the first terminal to the first terminal The receiving unit receives the first request information from the first terminal before the electronic credential.

[0012] The system further includes a second authentication unit; the receiving unit is further configured to receive third request information from the first terminal, where the third request information is used to request the electronic certificate of the second issuing bank; The cryptographic analysis unit is configured to determine, after the receiving unit receives the third request information, whether the request for the third request information meets the condition for the electronic certificate of the second escrow bank. If the second certificate analysis unit determines that the request for the third request information does not meet the condition for the electronic certificate of the second certificate bank, the control sending unit feeds back to the first terminal information that the electronic certificate is not issued; When the request for analyzing the third request information meets the condition for the electronic certificate of the second bank, the certificate analysis unit performs the certificate process to obtain the electronic certificate of the second bank for the client.

[0013] In an embodiment, the method for performing the certificate processing by the second certificate analysis unit is: the second certificate analysis unit freezes the funds in the account designated by the first terminal or uses the credit.

[0014]

[0015] According to a second aspect of the present invention, a method of replacing an electronic voucher certificate includes the following process.

Receiving first request information from the first terminal, where the first request information is used to request to replace the first bank

[0017] determining whether the request for the first request information meets the condition for replacing the bank for the certificate;

[0018] if the request for the first request information does not meet the condition for replacing the bank, the information of the bank that does not replace the certificate is fed back to the first terminal;

[0019] if the request for the first request information meets the condition for replacing the bank, the first terminal is deleted and requested to The information of the e-voucher of the bank is issued, and the second card information is sent to the first terminal, and the second card information is used to agree to the request of the first terminal to replace the bank.

[0020] The process of receiving the first request information from the first terminal occurs after: receiving the request for the first terminal to request the electronic certificate of the first bank, and not sending the electronic to the first terminal Before the voucher,

[0021] In an embodiment, after sending the second authentication information to the first terminal, receiving third request information from the first terminal, where the third request information is used to request the electronic certificate of the second accounting bank ;

[0022] determining whether the request for the third request information meets the condition for the electronic certificate of the second issuing bank;

[0023] if the request for the third request information does not meet the condition for the electronic certificate of the second issuing bank, the information of the electronic voucher not being sent out is fed back to the first terminal;

[0024] If the request for the third request information meets the condition for the electronic certificate of the second bank, the certificate is processed to obtain the electronic certificate of the second bank for the customer.

[0025] In an embodiment, the authentication process is: freezing the funds in the account specified by the first terminal or granting the authorization. It may be to freeze the funds in the claimant's account or to use the credit, or to freeze the funds in the account of the other person designated by the claimant or to use the credit in the account designated by the first terminal.

[0026] In an embodiment, before the step of receiving the first request information from the first terminal, the method further includes: receiving the request for information from the first terminal, the request for the certificate The information is used for requesting the electronic voucher of the first bank; after receiving the request information, determining whether the request for the request information meets the electronic voucher of the first bank a condition; if the request for the certificate request information does not meet the condition for the electronic certificate of the first bank, the information of the electronic certificate is not fed back to the first terminal; If the request for requesting information meets the condition for the electronic voucher of the first bank, the certificate is processed, and the electronic voucher of the first bank is issued for the client.

[0027] With the present invention, in the case that the customer needs to replace the bank (ie, the first bank), the line-of-line analysis unit may perform a determination according to the first request information received by the receiving unit, thereby determining whether the first request information is Meet the conditions for the replacement of the bank. If it does not meet, it can even remind the customer; if it is, the customer can continue to change the operation of the bank after sending the first request information, instead of having to go to the new bank (ie the second bank) to re-complete the application幵The process of passing electronic vouchers. [0028]

BRIEF DESCRIPTION OF THE DRAWINGS

1 is a schematic diagram of a signal flow of replacing a bank of a bank in accordance with a first embodiment of the present invention;

2 is a schematic flowchart of replacing a bank of a bank according to a first embodiment of the present invention;

3 is a schematic diagram of an electronic voucher management system according to Embodiment 1 of the present invention;

4 is a schematic structural diagram of an electronic voucher management system according to Embodiment 2 of the present invention.

[0034]

DETAILED DESCRIPTION

[0036] The present invention will be further described in detail below with reference to the accompanying drawings.

[0037] For ease of understanding, the terms mentioned in this application are explained as follows:

[0038] The electronic voucher refers to an electronic credit commitment payment voucher that the bank freezes the funds or uses the credit line according to the application of the witness and commits in the name of the bank, and promises to settle according to the agreed conditions.

[0039] The electronic voucher can also be understood as a kind of money or credit granted by the bank according to the witness's request for evidence to be used as a basis for the applicant's funds or credit, and stored in digital form. , change information, and realize the electronic commitment credit certificate for the flow of funds.

[0040] The basic business process of the electronic voucher: The bank of the securities bank freezes the required amount of funds according to the application of the witnesses to establish an electronic voucher. When the agreed payment conditions are fulfilled, the bank will release the funds for payment settlement.

[0041] Of course, the actual use of the electronic voucher usually follows the following process:

[0042] After both parties of the transaction form an order, the witnesses apply to the bank to apply for a certificate. Of course, the witness can apply for a certificate after forming a specific transaction order; or the witness can voluntarily apply for a certificate before the transaction order is formed.

[0043] After accepting the bank, the bank will establish an electronic voucher and record the amount of the electronic voucher in the witness account fund account. Generally, it is understood as freezing funds or granting credit. It should be noted that the freezing of the office Credit granting is divided into two situations: One is to start calculating the interest from the freezing credit, that is, the witness uses the credit card quota; the other is the amount corresponding to the credit line received from the recipient. The bank begins to calculate interest, that is, from the time when the witness freezes the credit, and the receiving bank receives the funds, it is considered that the witness has "not called the credit line granted by the bank".

[0044] After the verification information of the receiving bank is correct, the certificate is received. The time limit for the recipient to apply for the collection is the period of receipt, and the time limit is exceeded. The receipt of the certificate will void the electronic certificate. After the receipt of the certificate, the electronic voucher enters the performance period.

[0045] The claimant submits performance information (such as shipping information) within the time limit of the performance period, and the electronic certificate expires if it is not submitted within the time limit. After the recipient submits the performance information, the electronic voucher enters the signing period.

[0046] The claimant applies for settlement within the time limit of the receipt period, and fails to submit the application for settlement information (such as the receipt information). After the recipient applies for payment, the electronic voucher enters the settlement period.

[0047] The claimee completes the transaction corresponding to the electronic voucher according to the payment condition of the electronic voucher during the payment period, and entrusts the collecting bank to apply for settlement to the bank.

[0048] The bank will transfer the funds to the receiving bank, and the receiving bank will transfer the funds to the recipient's account.

[0049]

[0050] Embodiment 1:

[0051] This embodiment can be applied to the following scenario: the user requests the first bank to request an electronic voucher, and after submitting the request, the first bank has accepted the application but has not yet issued the electronic voucher. For this reason, you may need to change the e-Cert's bank. If the user re-operates the entire application process, it is often necessary to go to the bank or operate on the terminal, which is laborious and laborious. According to the method of replacing the bank in accordance with the present invention, the user only needs to replace it at the first terminal. The bank of the bank.

[0052] FIG. 3 is a schematic diagram of an electronic voucher management system according to the embodiment, including a receiving unit 20, a sputum analyzing unit 10, a line feed analyzing unit 11, and a sending unit 30. The sputum analysis unit 10 includes a first sputum analysis unit 101, a second sputum analysis unit 102, and more sputum analysis units. The first certificate analysis unit 101 is configured to process a request for the electronic certificate of the first bank to be issued, and the second certificate analysis unit 102 is configured to process a request for the electronic certificate of the second bank. The management of the system usually involves multiple banks. Therefore, the N-th certificate analysis unit is used to process a request for the electronic certificate of the N-th certificate bank, where N is an integer greater than one.

[0053] With reference to FIG. 1, FIG. 2 and FIG. 3, the process of user authentication and replacement of electronic voucher is described in detail below.

[0054] S001: The user (ie, the buyer) generates the request information through the first terminal 40, where the first terminal 40 is the client of a certain user, and correspondingly, the client corresponding to the other buyer is the second terminal. Third terminal, etc. Specifically, the certificate request information is used to request the electronic certificate of the first bank, including the identity information and payment account information of the witness. It may also include information specifying the recipient, such as the name of the recipient, mobile phone, email, ID card, micro-signal, QQ number, etc., and the information corresponding to the recipient, and the receipt Person account (deposit account), etc., understandable, the recipient of the office, the actual e-commerce transaction is the seller. By specifying the information of the recipient, it is convenient for the recipient and the e-voucher to receive the e-voucher. Of course, the buyer can also not specify the recipient, that is, to set up an electronic voucher to an unspecified group, so that anyone who obtains the electronic voucher can receive the electronic voucher, thereby enriching the use scenario of the electronic voucher.

[0055] S002: The receiving unit 20 receives the certificate request information and transmits the information to the first certificate analysis unit 101 corresponding to the first bank, and the first file analysis unit 101 acquires the information in the certificate request information, and generates a pre- The information is transmitted, and the transmission unit 30 is controlled to transmit the pre-certification information to the first terminal 40. In a more detailed implementation, the first authentication component 101 pre-verifies the identity information of the witness. The verification of the office may have the following situations: The first verification situation refers to whether the verification witness has the evidence at the bank, and the second verification situation refers to whether the applicant is true. Effective, that is, real-name authentication, does not require the witness to have a certificate account at the bank; the third verification case refers to whether the applicant has a bad credit record, whether it is a whitelist or a blacklist. . The first authentication analysis unit 101 feeds back the pre-certification information to the authentication request information that has passed the verification.

[0056] In other embodiments of the present invention, the S001 and S002 processes may also be unnecessary, and the user's operation of replacing the bank is directly started from step S003.

[0057] S003: The first terminal 40 receives the pre-certification information, but for some reason, the bank that needs to change the electronic certificate (ie, changes the first bank), the first certificate analysis unit 101 further The first terminal 40 is not given the electronic voucher of the first bank. The first terminal 40 generates the first request information of the change bank, and sends the first request information to the receiving unit 20, where the first request information is used to request to replace the first bank.

[0058] S004: The receiving unit 20 receives the first request information and transmits it to the line feed analysis unit 11, and the line feed analysis unit 11 determines whether the bank information can be changed. If not, go to step S0041, otherwise, execute S0042.

[0059] S0041, if not, the line feed analysis unit 11 feeds back the result of the inability to replace the certificate to the first terminal 40 through the sending unit 30, and requests to re-apply the change certificate information.

[0060] S0042, if yes, the line feed analysis unit 11 deletes the current bank information of the first terminal, generates the second certificate information, and sends the second certificate information to the first terminal 40 through the sending unit 30. The second certificate information is used to prompt the first terminal 40, indicating that the system agrees with the request of the first terminal 40 to replace the bank. [0061] S005: The first terminal 40 receives the second certificate information, and adds the change command of the bank to be the second bank to generate the third certificate request information and sends the message to the receiving unit 10. In this embodiment, the user wants to replace the original bank, that is, the first bank, with the first bank, so the user generates a third certificate request message on the client and sends it to the receiving unit 10, the third The certificate information is used to request the electronic certificate of the second bank.

[0062] S006: The receiving unit 10 receives the third certificate request information and transmits it to the second certificate analysis unit 102 corresponding to the second bank, and the second certificate analysis unit 102 determines whether the certificate request is met. If not, step S0061 is performed, otherwise, S0062 is executed.

[0063] S0061, if the certificate request is not met, the second certificate analysis unit 102 feeds back the result of not issuing the electronic certificate to the first terminal through the sending unit 30, and ends the process.

[0064] S0062, if yes, the second certificate analysis unit 102 freezes the funds in the account of the claimant or grants the credit, or freezes the funds or funds in the account of the other person designated by the claimant. Use credit.

[0065] S007: After the second certificate analysis unit 102 freezes the funds (debit card) or uses the credit card (credit card), the electronic certificate of the second bank is issued, that is, the change of the bank is completed.

[0066] In the scenario of the embodiment, that is, the user goes to the bank and requests to establish an electronic voucher. After submitting the request, the e-voucher may need to be changed for various reasons, and if there is no technical solution support, Re-establishing an electronic voucher, the process is cumbersome, repetitive, inefficient, and poor user experience. The invention provides a method and system for replacing an electronic certificate and a certificate bank by designing a flexible mechanism for modifying an electronic certificate, improving user experience, improving efficiency, and accelerating e-commerce activities.

[0067] The present invention can change the certification bank without having to re-establish the technical solution of the electronic voucher, so that the procedure of the certificate is more flexible, enriches the application scenario of the financial payment instrument, and provides the mature development of the e-commerce. A good tool.

[0068]

[0069] Embodiment 2:

4 is a schematic structural diagram of an electronic voucher management system according to the embodiment, including a receiving unit 20, a first authentication unit 101, a line feed analyzing unit 11, and a sending unit 30. The first certificate analysis unit 10 1 is configured to process a request for the electronic certificate of the first bank to be issued. The difference from the first embodiment is Therefore, the management of this system involves only one bank, namely the first bank.

[0071] The process of user identification and replacement of electronic voucher is described in detail below.

[0072] StOO1: The user (ie, the buyer) generates the authentication request information through the first terminal 40. Specifically, the request information is used to request the electronic voucher of the first bank, including the identity information and payment account information of the witness. It may also include information specifying the recipient, such as the name of the recipient, mobile phone, email, ID card, micro-signal, QQ number, etc., and the recipient's account number (deposit account number), etc. It is understandable that The recipient of the office, in the actual e-commerce transaction is the seller. By specifying the information of the recipient, it is convenient for the recipient and the e-voucher to receive it. Of course, the buyer can also not specify the recipient, that is, to set up an electronic voucher to an unspecified group, so that anyone who obtains the electronic voucher can receive the electronic voucher, thereby enriching the use scenario of the electronic voucher.

[0073] St002: The receiving unit 20 receives the request information and transmits it to the first authentication unit 101, and the first authentication unit 101 acquires the information in the request information, generates the pre-certification information, and controls the sending unit. 30 sends the pre-certification information to the first terminal 40. In a more detailed embodiment, the first authentication unit 101 pre-verifies the identity information of the witness. The verification of the office may have the following situations: The first verification situation refers to whether the verification witness has the evidence at the bank, and the second verification situation refers to whether the applicant is true. Effective, that is, real-name authentication, does not require the witness to have a certificate account at the bank; the third verification case refers to whether the applicant has a bad credit record, whether it is a whitelist or a blacklist. . The first authentication analysis unit 101 feeds back the pre-certification information for the authentication request information that has passed the verification.

[0074] In other embodiments of the present invention, the StOO1 and St002 processes may not be required, and the user's operation of replacing the banknote bank starts directly from the step S003.

[0075] St003: The first terminal 40 receives the pre-certification information, but needs to replace the first bank for some reason

The first certificate analysis unit 101 has not yet sent the first terminal 40 the electronic certificate of the first bank.

. The first terminal 40 generates the first request information of the change bank, and sends the first request information to the receiving unit 20, where the first request information is used to request to replace the first bank.

[0046] St004: The receiving unit 20 receives the first request information and passes it to the line feed analyzing unit 11, and the line feed analyzing unit 11 determines whether the bank information can be changed. If not, execute step St0041, otherwise, execute St00

42. [0077] St0041, if not, the line feed analysis unit 11 feeds back the result of the inability to replace the certificate to the first terminal 40 through the transmitting unit 30, and requests to re-apply the change certificate information.

[0078] St0042, if yes, the line feed analysis unit 11 deletes the current bank information of the first terminal, generates the second certificate information, and transmits the information to the first terminal 40 through the sending unit 30. The second authentication information is used to prompt the first terminal 40, indicating that the system agrees with the request of the first terminal 40 to replace the first authentication unit 101.

The above is a further detailed description of the present invention in connection with the specific embodiments, and the specific embodiments of the invention are not limited to the description. For those skilled in the art to which the present invention pertains, several simple derivations or substitutions may be made without departing from the inventive concept.

technical problem

Problem solution

Advantageous effects of the invention

Claims

Claim

[Claim 1] A system for replacing an electronic voucher certificate, comprising: a receiving unit, a line feed analyzing unit, and a transmitting unit;

The receiving unit is configured to receive first request information from the first terminal, where the first request information is used to request to replace the first accounting bank;

The line feed analysis unit is configured to: after the receiving unit receives the first request information, determine whether the request for the first request information meets a condition for replacing a bank of securities; if the line feed analysis unit determines the first If the request for requesting information does not meet the condition of the replacement bank, the sending unit is controlled to feed back information of the bank that does not replace the bank to the first terminal; if the line feed analysis unit determines the first request If the request for the information meets the condition of the replacement bank, the first terminal requests the information of the electronic certificate of the first bank to be passed, and the sending unit controls the sending unit to send the second terminal to the first terminal. The second information is used to agree to the request of the first terminal to replace the bank.

[Claim 2] The system according to claim 1, further comprising: a first authentication analysis unit; the receiving unit is further configured to receive the authentication request information from the first terminal, The certificate request information is used to request the electronic certificate of the first bank of the bank;

The first authentication unit is configured to determine, after the receiving unit receives the certificate request information, whether the request for the certificate request information meets a condition for extracting the electronic certificate of the first bank ;

And if the first data analysis unit determines that the request for the certificate request information does not meet the condition for the electronic certificate of the first bank, the control unit is controlled not to feed back to the first terminal. And extracting the information of the electronic voucher; if the first verification component analyzing unit determines that the request for the verification request information meets the condition for the electronic certificate of the first credit card, The customer pulls out the electronic voucher of the first bank.

[Claim 3] The system according to claim 2, after the receiving unit receives the request for the first terminal to request the electronic certificate of the first bank, And the first data analysis unit does not send the first terminal to the first terminal The receiving unit receives the first request information from the first terminal before the electronic credential.

[Claim 4] The system according to any one of claims 1 to 3, further comprising a second authentication unit;

The receiving unit is further configured to receive third request information from the first terminal, where the third request information is used to request an electronic certificate of the second issuing bank;

The second authentication unit is configured to determine, after the receiving unit receives the third request information, whether the request for the third request information meets a condition for extracting an electronic certificate of the second accounting bank ;

If the second certificate analysis unit determines that the request for the third request information does not meet the condition for the electronic certificate of the second bank, the control unit is configured to provide feedback to the first terminal. Deriving the information of the electronic voucher; if the second verification component determines that the request for the third request information meets the condition for the electronic voucher of the second bank, The client pulls out the electronic certificate of the second bank

[Claim 5] The system according to claim 4, wherein the method for performing the authentication process by the second authentication unit is: the second authentication unit freezes the designation of the first terminal The funds in the account or the credits in the account specified by the first terminal.

[Claim 6] A method for replacing an electronic voucher certificate, comprising:

Receiving first request information from the first terminal, where the first request information is used to request to replace the first bank;

Determining whether the request for the first request information meets the condition for replacing the bank of the certificate; if the request for the first request information does not meet the condition for replacing the bank, the feedback to the first terminal is not replaced. Information of the bank;

If the request for the first request information meets the condition for the replacement of the bank, the first terminal requests to delete the certificate information of the electronic certificate of the first bank, and sends the information to the first terminal. The second certificate information is used to agree to the request of the first terminal to replace the bank.

[Claim 7] The method according to claim 6, wherein before the step of receiving the first request information from the first terminal, the method further includes:

Receiving the certificate request information from the first terminal, where the certificate request information is used to request the electronic certificate of the first bank;

After receiving the certificate request information, determining whether the request for the certificate request information meets the condition for extracting the electronic certificate of the first bank;

If the request for the certificate request information does not meet the condition for the electronic certificate of the first bank, the information of the electronic certificate is not fed back to the first terminal; If the request meets the conditions for extracting the electronic certificate of the first bank, the certificate is processed to extract the electronic certificate of the first bank for the client.

[Claim 8] The method according to claim 6, wherein the process of receiving the first request information from the first terminal occurs by: receiving the first terminal requesting the first bank After the e-voucher requests the information, and the e-voucher is not sent to the first terminal.

[Claim 9] The method according to any one of claims 6-8, wherein

After transmitting the second authentication information to the first terminal, receiving third request information from the first terminal, where the third request information is used to request an electronic credential of the second issuing bank;

Determining whether the request for the third request information meets the condition for extracting the electronic certificate of the second credit card;

If the request for the third request information does not meet the condition for the electronic certificate of the second bank, the information of the electronic certificate is not fed back to the first terminal; if the third request information If the request meets the conditions for the electronic certificate of the second bank, the certificate is processed, and the electronic certificate of the second bank is extracted for the client.

[Claim 10] The method according to claim 9, wherein the certificate processing is: freezing funds in an account specified by the first terminal or using an account in the account specified by the first terminal Credit.