WO2017012016A1

WO2017012016A1 - Method and system for modifying in stages each stage of period of validity of electronic certificate

Info

Publication number: WO2017012016A1
Application number: PCT/CN2015/084585
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: CA2993584C; CN106164955A; CA2993584A1

Abstract

Disclosed in the present application are a method and system for modifying in stages each stage of the period of validity of an electronic certificate, the method for modifying in stages each stage of the period of validity of an electronic certificate comprising: a client terminal sends a certificate issuing request message to a server; the server sends a certificate pre-issuing message comprising data for the client terminal to modify in stages each stage of the period of validity of the electronic certificate; the client terminal receives the certificate pre-issuing message, and respectively modifies each stage of the period of validity of the electronic certificate, and sends to the server a certificate pre-issuing feedback message comprising the modified stages of the period of validity of the electronic certificate; the server receives the certificate pre-issuing feedback message, and on the basis of the certificate pre-issuing feedback message, issues and electronic certificate. The present invention enables remote modification of the duration of each stage of the period of validity of an electronic certificate, such that use of an electronic certificate is more flexible, enriching the application of financial payment tools, and simultaneously preventing the tedious step and unnecessary repetitive work of re-issuing an electronic certificate as a result of changing the period of validity due to requirements, improving efficiency such that e-commerce applications are more convenient and fast.

Description

Description: A method and system for segmentally modifying the validity period of each stage of an electronic voucher

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

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 familiar to people. E-commerce uses the Internet platform to connect the participating parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, and reduce the cost of transactions by networking, electronically and informatizing the entire transaction process. Improve transaction efficiency.

[0004] However, in current e-commerce applications, the transfer of funds is mainly dependent on traditional electronic direct transfer payment methods and third-party payment methods. Even if payment is made by cheque or other bills, the validity period cannot usually be changed. However, due to sudden reasons, it is often necessary to modify the validity period of the electronic voucher, so that an electronic voucher must be re-established, so the existing e-commerce application In the process of bank credit card setup, the process is cumbersome, resulting in a large number of repetitive tasks, low efficiency and low efficiency, which is not conducive to the rapid development of e-commerce activities. According to a first aspect of the present application, the present application provides a method for segmentally modifying an expiration date of an electronic voucher, including:

[0005] The client sends the request information to the server;

[0006] The server obtains the certificate request information sent by the client, and sends the subscription information corresponding to the certificate request information to the client; the preview information includes the electronic certificate modified by the client segment. Stage validity period data;

[0007] The client receives the pre-certification information, respectively modifies the validity period of each stage of the electronic voucher, generates pre-certification feedback information including the validity period of each stage of the modified electronic voucher, and sends the pre-examination feedback information to the server;

[0008] The server receives the pre-certification feedback information, and the electronic voucher is established according to the pre-certification feedback information.

[0009] The method for modifying the validity period of the electronic voucher by the segment further includes: [0010] The server pre-establishes a range in which the validity period of each stage is allowed to be modified;

[0011] After receiving the pre-certification feedback information, the server determines whether the modification of each validity period is within the scope of the modification, and if so, sets the electronic voucher according to the pre-certification feedback information.

[0012] The method for modifying the validity period of the electronic voucher, wherein the server obtains the request information of the certificate sent by the client, and generates the pre-certificate information corresponding to the request information of the certificate, which specifically includes:

[0013] the server receives the request information sent by the client;

[0014] Verify that the request information is correct, and if correct, generate pre-certification information and send it to the client.

[0015] The method for modifying an expiration date of an electronic voucher, wherein each stage of the electronic voucher includes

: Collection period, performance period, receipt period, settlement period, and liquidation period.

[0016] The method for modifying the validity period of the electronic voucher, wherein the electronic voucher is further included

[0017] The client logs in to the server by means of the authentication information, determines whether the corresponding electronic voucher has been signed, and submits a modification request for the validity period of each stage of the electronic voucher if not signed;

[0018] the server receives a modification request for the validity period of each stage of the electronic voucher;

[0019] The server determines whether the modification request exceeds the scope of the allowed modification, and if the range is not exceeded, the validity period of each stage of the electronic voucher is correspondingly modified.

[0020] The method for modifying the validity period of the electronic voucher, wherein modifying the validity period of each stage of the electronic voucher includes:

[0021] Modifying the expiration date of the validity period of any stage of the electronic voucher, or modifying the diurnal range of the validity period of any stage of the electronic voucher.

[0022] The method for modifying the validity period of the electronic voucher, wherein the request information includes at least the identity information of the witness and the payment account information bound to the electronic voucher.

[0023] According to a second aspect of the present application, the present application provides a method for segmentally modifying an expiration date of an electronic voucher, including:

[0024] the first terminal receives the request information sent by the second terminal;

[0025] the first terminal generates, according to the certificate request information, pre-certification information including a validity period of each stage of the customized electronic voucher;

[0026] the first terminal sends the pre-certification information to the second terminal; [0027] The first terminal receives the pre-certification feedback information sent by the second terminal and includes the validity period of each stage of the modified electronic voucher, and the electronic voucher is established according to the pre-certification feedback information.

[0028] According to a third aspect of the present application, the present application provides a system for segmentally modifying an expiration date of an electronic voucher, including:

[0029] The data requesting end is configured to send the attestation request information including at least the witness identity information and the payment account, and receive the pre-certification information and modify the validity period of each stage of the electronic voucher, and the modified pre-certification certificate The information generation pre-certification feedback information is sent to the data processing end.

[0030] a data processing end, configured to receive the request information sent by the data requesting end, and send the pre-certification information to the data requesting end; and receive the pre-certification feedback information sent by the data requesting end, generate and predict the feedback The electronic voucher corresponding to the information.

[0031] The system for modifying the validity period of the electronic voucher, wherein the data processing end further includes: [0032] an input and output module, configured to receive the request information sent by the data requesting end, according to the certificate The request information sends the pre-certification information including the validity period of each stage of the customized electronic voucher to the data requesting end, and receives the pre-certification feedback information returned by the data requesting end;

[0033] a judging module, configured to: when the data processing end receives the request information, determine whether the request information received by the input/output module is correct; and when the data processing end receives the pre-certification information, determine the pre-certification information Whether the modification of the validity period of each stage of the electronic voucher is within the scope of the allowed modification, and if so, sending the electronic voucher command to the execution module;

[0034] The execution module segments the validity period of each stage of the electronic voucher according to the pre-certification feedback information, and sets the electronic voucher according to the pre-certification feedback information.

[0035] The beneficial effects of the present application are: using the Internet technology to implement electronic voucher online processing, and being able to remotely modify the validity period of each stage of the electronic voucher, making the use of the electronic voucher more flexible, enriching the application of the financial payment instrument, Avoid the cumbersome steps of re-setting the electronic voucher due to the need to change the expiration date, and change the unnecessary repetitive work caused by the expiration date of the electronic voucher, improve the efficiency, and make the e-commerce application more convenient and quick.

BRIEF DESCRIPTION OF THE DRAWINGS

1 is a flowchart of a method for modifying an expiration date of an electronic voucher according to a first embodiment of the present invention; [0038] FIG. 2 is a method for segmentally modifying an expiration date of an electronic voucher according to a second embodiment of the present invention; Flow chart 3 is a schematic block diagram of a system for segmentally modifying an expiration date of an electronic voucher according to a third embodiment of the present invention.

DETAILED DESCRIPTION

[0041] The present application will be further described in detail below with reference to the accompanying drawings.

[0042] Definitions of terms used in this application:

[0043] 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.

[0044] The basic business process of the electronic voucher mentioned in the application: The bank of the securities bank freezes the required amount of funds according to the application of the witnesses to establish an electronic voucher, and when the agreed settlement conditions are fulfilled, the bank will solve the problem by the bank. Payment settlement.

[0045] The period of receipt of the certificate: The period of receipt of the certificate is the time limit for the applicant to apply for the receipt of the certificate. If the certificate is not received within the time limit, the electronic certificate will be invalid. After the receipt of the certificate, the electronic voucher enters the performance period.

[0046] Performance period: The performance period is the time limit for the recipient to submit performance information (such as shipping information). If the deadline is not submitted, the electronic certificate will be invalid. After the recipient submits the performance information, the electronic voucher enters the signing period.

[0047] Signing period: The signing period is the time limit for the certificate applicant to apply for settlement. If the application for cancellation information (such as the signing information) is not submitted within the time limit, the electronic certificate will be invalid. After the recipient applies for payment, the electronic voucher enters the settlement period.

[0048] The payment period: from the electronic voucher application to the execution of the settlement.

[0049] Liquidation period: The daytime required by the letter clearing house.

[0050] In the embodiment of the present application, the electronic voucher can be authenticated online through the Internet. In the process of electronic voucher verification, the validity period of each stage of the electronic voucher can be modified in stages, and secondly, before the electronic voucher is signed, The login information modifies the validity period of each stage of the electronic voucher again.

Embodiment 1

[0052] This embodiment is applied in the process of witnessing an electronic voucher and is applied to the prosecution period. Referring to FIG. 1, a method for modifying the validity period of an electronic voucher provided by the present invention includes the following steps:

[0053] Sl, the client sends the request information to the server.

[0054] Specifically, the client logs in to the website of the bank, fills in the request information and sends the data containing the request information to the server. The client can be a PC such as a mobile terminal or a computer, or a teller machine of the bank. The server is the background server of the bank.

[0055] The certificate request information includes the identity information of the witness and the payment account information. Can also include designated receipts People's information, such as the name of the recipient, mobile phone, e-mail, ID card, micro-signal, QQ number, etc., can correspond to the recipient, the recipient's account number (deposit account number), etc., through the information of the recipient, it is convenient for the recipient and吋 Receive electronic voucher. Of course, the customer may also not specify the recipient information, so that anyone who obtains the electronic voucher information can receive the electronic voucher.

[0056] S2. The server acquires the request information sent by the client.

[0057] S3. The server verifies that the request information is correct.

[0058] Specifically, whether the verification request information is correct is at least required to verify whether the applicant is authentic, that is, whether the real-name authentication is performed, and whether the applicant has a bad credit record. If the identity information of the witness is a real name system and there is no bad credit record, it is determined that the request information is correct, and the process proceeds to step S4. If the applicant of the non-real name system or the applicant of the defamation certificate has a bad credit record, it is determined that the request information of the defamation certificate is incorrect, and the process returns to step S1 to prompt the client to resend the request information of the defamation certificate. Of course, it is also possible to verify whether the witnesses have account-seeking information in the bank, but the verification is only used for internal statistics of the bank, and is not used as a basis for determining the legality of the information requested by the witness.

[0059] S4. The server sends the pre-certification information corresponding to the certificate request information to the client.

[0060] The server reads the request information and generates corresponding pre-certification data information, where the pre-certification information includes data information for the client to customize the validity period of each stage of the electronic voucher. Among them, the various stages of the electronic voucher include: the period of receipt, the period of performance, the period of receipt, the period of settlement, and the period of liquidation.

[0061] S5. The client receives the pre-certification information sent by the server, and modifies the validity period of each stage of the electronic voucher, and generates pre-certification feedback information to send to the server.

[0062] The client receives the pre-certification data information sent by the server, reads the pre-certification data therein, and modifies the validity period of each stage of the electronic voucher step by step, and then pre-supposes the modified validity period. The forensic information generates a pre-certification feedback information packet, and sends the pre-certification feedback information to the server.

[0063] wherein, the modification manner of the validity period of the electronic voucher can be divided into two types: an absolute validity period and a relative validity period. The absolute validity period refers to an effective expiration date of any stage of the electronic voucher, for example, the expiration date of the visa period is a certain year/month/day . The relative validity period refers to the inter-day span of the validity period of any stage of the electronic voucher. For example, the validity period of the visa period is within 15 days from the date of the certificate, and the modification period of the other phases is the same.

[0064] Further, the previous validity period of the electronic voucher is limited to the expiration date of the expiration date, that is, if the corresponding operation is performed within the previous validity period of the electronic voucher, the electronic voucher exceeding the valid period is automatically invalidated; On the other hand, if the period of the previous validity period has not expired, the corresponding operation of the stage is performed, and the remaining period of the validity period of the stage is accumulated into the validity period of the next stage. For example, the electronic certificate is valid for the period of 15 days from the date of the certificate, and the period of validity is 20 days from the date of the certificate. If the electronic certificate is received by the recipient on the 10th day after the date of the certificate, the electronic certificate During the remaining 5 days of the collection period, the performance period will be automatically accumulated, that is, the performance period of the electronic certificate will be extended from the original 5-day period to 10 days.

[0065] S6. The server receives the pre-certification feedback information sent by the client, and determines whether the modification period of the validity period of each stage of the electronic voucher exceeds the modification scope.

[0066] Specifically, the server receives the pre-certification feedback information data returned by the client, reads the pre-certification feedback information, and determines whether the modification of the validity period of each stage of the electronic voucher exceeds the modification range, and if not, proceeds to the step S7, if yes, return to step S4, prompting the client to re-edit the validity period of each stage of the electronic voucher

[0067] Further, the server pre-defines the allowable modification range of the validity period of each stage of the electronic voucher, for example, according to the order of the e-vouchers, the expiration date of the latter stage may not be earlier than the pre-valid period. The start date, the validity period of each stage shall not exceed the maximum period fixed by the tenant bank.

[0068] S7. The server modifies the validity period of each stage of the electronic voucher, and generates a corresponding electronic voucher.

[0069] Specifically, the server modifies the validity period of each stage of the electronic voucher according to the feedback information of the pre-certification, and the same

The server freezes the funds corresponding to the payment account bound by the electronic voucher, and sets up the electronic voucher according to the feedback information of the pre-certification.

[0070] Further, in other embodiments of the present invention, after determining that the pre-certification feedback information is within the modified range, before the setting of the electronic credential, the method may further include: the server sending the login password setting information to the client, prompting to generate the electronic credential The information is successful, and the client is required to input the login password and save corresponding to the embarrassing information; the client root logs in the silver credit card according to the electronic voucher application information and the login password, and determines whether the corresponding electronic voucher has been signed by the consignee, if If it is not signed, the client is allowed to continue to modify the validity period of each stage of the electronic voucher. The login password can be a multi-digit numeric password or other combination of passwords that can be edited by the customer. It can be used for login verification and further modification of the validity period of each stage. In this way, after the successful completion of the electronic voucher, the witnesses can modify the validity period of each stage of the electronic voucher through the client before the certificate is received by the witness. [0071] The steps of modifying the validity period of the electronic certificate in this embodiment are as follows:

[0072] Step 1: The client logs in to the website or the corresponding software, and enters the login information.

[0073] Step 2: The server verifies whether the login information is correct. If yes, the process proceeds to step 3. If not, the client is prompted to re-enter the login information.

[0074] After receiving the login information, the server retrieves the identity information of the license holder from the internal storage device according to the identity information of the license holder, and the login password set by the certificate, such as matching the information input by the client. If the login is successful, go to step 3. If there is no match, the login fails, and the client is prompted to re-enter the login information.

[0075] Step 3: The server reads the stage where the electronic voucher is located. If the electronic voucher has not been received, the process proceeds to step 4. If the electronic voucher has been received by the certificate holder, the validity period of the modification is not satisfied, and the server transmission validity period allows the modification failure prompt to the client, and ends.

[0076] Step 4: The server sends the validity period information including the validity period of each stage of the customized electronic voucher to the client, and receives the validity period modification feedback information returned by the client.

[0077] Step 5: The server modifies the validity period of each stage of the electronic voucher according to the modification feedback information of the validity period returned by the client.

[0078] Embodiment 2

[0079] Based on the description of the foregoing embodiment, the present invention further provides another method for modifying the validity period of the electronic voucher. As shown in FIG. 2, the method for segmentally modifying the validity period of the electronic voucher according to the embodiment includes: [0080] S10. The first terminal receives the request information sent by the second terminal.

[0081] Specifically, the first terminal is a bank background terminal, the second terminal is a client terminal, and the second terminal may be a mobile terminal or other PC device connected to the network. The request information is sent by the second terminal of the client, and the first terminal of the bank receives the request information.

[0082] S20. The first terminal generates, according to the certificate request data, pre-certification information including a validity period of each stage of the customized electronic voucher, and sends the pre-certification information to the second terminal.

[0083] The first terminal generates the subscription information according to the authentication request information, and sends the editable subscription information to the second terminal. The pre-certification information includes at least the expiration date data of each stage of the electronic voucher that can be customized and modified by the second terminal, and after receiving the pre-certification information, the second terminal may arbitrarily modify the expiration date of each stage of the electronic voucher. The modified pre-certification information is generated to generate pre-certification feedback information. [0084] S30. The first terminal receives the pre-certification feedback information sent by the second terminal and includes the validity period of each stage of the modified electronic voucher, and the electronic voucher is established according to the pre-certification feedback information.

[0085] wherein, the pre-certification feedback information is generated by the second terminal modifying the validity period of each stage of the electronic voucher in the pre-certification information, and the second terminal sends the generated pre-examination feedback information to the first terminal. After receiving the pre-certification feedback information, the first terminal correspondingly modifies the validity period of each stage of the electronic voucher, freezes the funds corresponding to the payment account, and generates corresponding e-vouchers.

[0086] Embodiment 3

[0087] Based on the description of the foregoing embodiment, the embodiment also provides a system for segmentally modifying the validity period of the electronic voucher. As shown in FIG. 3, the segment validating the validity period of the electronic voucher is given in this embodiment. System, including

[0088] The data requesting end 10 is configured to send the attestation request information including at least the witness identity information and the payment account; and receive the pre-certification information and modify the validity period of each stage of the electronic voucher in a segment, and the modified preview The certificate information generation pre-certification feedback information is sent to the data processing terminal 20.

[0089] The data processing end 20 is configured to receive the authentication request information sent by the data requesting end 10, and send the pre-certification information to the data requesting end 10; and receive the pre-certification feedback information sent by the data requesting end 10, generate and Pre-certify the electronic voucher corresponding to the feedback information.

[0090] Further, the data processing end 20 specifically includes:

[0091] The input and output module 21 is configured to receive the request information sent by the data requesting end 10, and send the pre-certification information including the validity period of each stage of the customized electronic voucher to the data requesting end 10 according to the authentication request information, and Receiving the pre-certification feedback information returned by the data requesting end 10;

[0092] The determining module 22 is configured to: when the data processing terminal 10 receives the authentication request information, determine whether the authentication request information received by the input/output module 21 is correct; when the data processing terminal 20 receives the pre-certification information, determine In the pre-certification information, whether the modification of the validity period of each stage of the electronic voucher is within the allowable modification range, and if so, the execution execution command is sent to the execution module 23;

[0093] The executing module 23 segments the validity period of each stage of the electronic voucher according to the pre-certification feedback information, and generates a corresponding electronic voucher.

[0094] The invention has the beneficial effects that the online processing of the electronic voucher is implemented by using the Internet technology, and the validity period of each stage of the electronic voucher can be remotely modified, so that the use of the electronic voucher is more flexible and enriches the gold. The application of the payment payment tool avoids the cumbersome steps of re-setting the electronic voucher due to the need to change the expiration date, and the unnecessary repetitive work caused by changing the expiration date of the electronic voucher, improves the efficiency, and makes the e-commerce application more convenient and quick.

The present invention has been described with reference to the specific examples, which are intended to be illustrative of the invention and are not intended to limit the invention. Variations to the above specific embodiments may be made by those skilled in the art in light of the teachings of the present invention.

technical problem

Problem solution

Advantageous effects of the invention

Claims

Claim

[Claim 1] A method for segmentally modifying an expiration date of an electronic voucher, comprising:

The client sends the request information to the server;

The server obtains the certificate request information sent by the client, and sends the subscription information corresponding to the certificate request information to the client; the pre-certification information includes the validity period data of each stage of the electronic certificate modified by the client segment. ;

The client receives the pre-certification information, respectively modifies the validity period of each stage of the electronic voucher, generates pre-certification feedback information including the validity period of each stage of the modified electronic voucher, and sends the pre-certification feedback information to the server;

The server receives the pre-certification feedback information, and sets the electronic voucher according to the pre-certification feedback information. The method for modifying the validity period of the electronic voucher according to claim 1 is characterized in that

, Also includes:

The server pre-determines the scope of the modification allowed in each phase of the validity period; after receiving the feedback information of the pre-certification, the server determines whether the modification of each validity period is within the scope of the modification, and if so, sets the electronic voucher according to the feedback information of the pre-certification.

The method of segmentally modifying an expiration date of an electronic voucher according to claim 1, wherein

The server obtains the request information sent by the client, and generates the pre-certification information corresponding to the request information, which specifically includes:

The server receives the request information sent by the client;

A method of verifying that the request information is correct, and if so, generating pre-certification information and transmitting the information to the customer for modifying the validity period of the electronic voucher according to any one of claims 1-3, wherein the electronic The stages of the voucher include: the collection period, the performance period, the receipt period, the settlement period, and the liquidation period.

A method of modifying an expiration date of an electronic voucher according to claim 4, characterized in that

After the electronic certificate setting, the method further includes:

The client logs in to the server by means of the certificate information, and determines whether the corresponding electronic certificate has been signed. If it is not signed, the request for modification of the validity period of each stage of the electronic voucher is submitted; the server receives the modification request for the validity period of each stage of the electronic voucher; the server determines whether the modification request exceeds the scope of the permitted modification, and if not, the validity period of each stage of the electronic voucher is modified accordingly. .

[Claim 6] The method of segmentally modifying an expiration date of an electronic voucher according to claim 5, characterized in that

The validity period of each stage of modifying the electronic voucher specifically includes:

Modify the expiration date of the validity period of any stage of the electronic voucher, or modify the diurnal range of the validity period of any stage of the electronic voucher.

[Claim 7] The method of segmentally modifying an expiration date of an electronic voucher according to claim 6, wherein

The certificate request information includes at least a witness identity information and a payment account information bound to the electronic certificate.

[Claim 8] A method for modifying an expiration date of an electronic voucher by a segment, comprising:

Receiving, by the first terminal, the request information sent by the second terminal;

The first terminal generates, according to the certificate request information, pre-certification information including a validity period of each stage of the customized electronic voucher;

The first terminal sends the pre-certification information to the second terminal;

The first terminal receives the pre-certification feedback information sent by the second terminal and includes the validity period of each stage of the modified electronic voucher, and generates an electronic voucher corresponding to the pre-certification feedback information.

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

The data requesting end is configured to send the attestation request information including at least the witness identity information and the payment account, and receive the pre-certification information and modify the validity period of each stage of the electronic voucher, and generate the modified pre-certification information. The feedback information is sent to the data processing end; the data processing end is configured to receive the request information sent by the data requesting end, and send the pre-certification information to the data requesting end; and receive the pre-certification feedback information sent by the data requesting end And according to the pre-existing feedback information, the electronic voucher is established.

[Claim 10] The system for modifying the validity period of the electronic voucher according to claim 9, wherein the data processing end further comprises:

An input/output module, configured to receive the request information sent by the data requesting end, according to the The request information is sent to the data requesting end, and the pre-existing information returned by the data requesting end is received, and the determining module is configured to receive the data from the data processing end. If the request information is 吋, it is judged whether the request information received by the input/output module is correct; when the data processing end receives the pre-certification information, it is judged whether the modification of the validity period of each stage of the electronic voucher is within the allowable modification range. Inside, if yes, send a separate electronic voucher command to the execution module;

The execution module segments the validity period of each stage of the electronic voucher according to the feedback information of the pre-certification, and generates a corresponding electronic voucher.