WO2017012060A1

WO2017012060A1 - Method, system and device for opening electronic certificate

Info

Publication number: WO2017012060A1
Application number: PCT/CN2015/084657
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: CA2993106A1; CA3224059A1

Abstract

A method, system and device for opening an electronic certificate, the method comprising the steps of: an issuing end sends an issuing request to a funds management server (S11); the funds management server starts to open an electronic certificate according to the issuing request (S12); within an issuing process, the issuing end sends an issuing amount alteration request to the funds management server (S13); upon agreeing to alter an issuing amount, the funds management server verifies the altered issuing amount (S15); after verification has been passed, the funds management server freezes funds or a credit limit, equal to the altered issuing amount, in a payment account and then opens the electronic certificate (S16). Opening an electronic certificate having a payment commitment function reduces the transaction risk, and allowing an issuing amount alteration request to be submitted at any time within an electronic certificate opening process without it being necessary to resubmit an electronic certificate opening request increases the flexibility and efficiency of opening the electronic certificate.

Description

Method, system and device for establishing electronic voucher

[0001] The present invention relates to the field of network payment technologies, and in particular, to a method and apparatus for establishing an electronic voucher.

Background technique

[0002] Payment refers to the payment of money based on economic contracts during trading activities. At present, many banks or enterprises provide online payment services, allowing users to operate terminal devices such as computers and mobile phones to realize online payment. The way of online payment provides users with great convenience. Among the existing online payment methods, most of the funds in the bank card are directly transferred to the other party's account, or transferred to a third party institution as a guarantee.

[0003] The traditional online payment method, after the buyer's fund transfer instruction is issued, the funds will flow directly. The following situations often occur: The buyer has not received the goods or services provided by the merchant, and the funds have been received by the bank or a third party. The institution pays the seller; or after the seller provides the goods or services, the buyer is unable to pay the corresponding funds; or the buyer transfers the funds to the wrong counterparty account. At present, the online payment method has certain transaction risks and cannot protect the interests of both buyers and sellers.

technical problem

[0004] The main object of the present invention is to provide a method, system and apparatus for establishing an electronic voucher, aiming at reducing transaction risk and improving the flexibility and efficiency of electronic voucher standing.

Problem solution

Technical solution

[0005] In order to achieve the above object, the present invention provides a method for establishing an electronic voucher, comprising the steps of:

[0006] The certificate terminal sends a certificate request to the fund management server, and the certificate request includes the amount information of the certificate;

[0007] the fund management server starts to perform the electronic certificate according to the request for the certificate;

[0008] in the process of the certificate verification, the certificate terminal sends a request for the change of the amount of the certificate to the fund management server, and the request for the change of the amount of the certificate includes the amount of the amount of the certificate;

[0009] when the fund management server agrees to change the amount of the certificate, verifying the changed amount of the certificate; [0010] After the verification is passed, the fund management server freezes the funds or the credit line in the payment account and the amount of the credit amount after the change, and then sets up the electronic certificate.

[0011] The present invention also provides a method for applying the electronic voucher to the fund management server, comprising the steps of: [0012] starting the electronic voucher based on the request for the certificate sent by the card terminal, the card certificate The request includes information on the amount of the certificate;

[0013] in the process of the certificate, the request for the change of the amount of the certificate sent by the card is received, and the request for the change of the amount of the certificate includes the information of the amount of the certificate;

[0014] when agreeing to change the amount of the certificate, verifying the amount of the modified certificate;

[0015] After the verification is passed, the electronic voucher is established after freezing the funds or the credit amount in the payment account equal to the amount of the modified defamation certificate.

[0016] The present invention also proposes another method for applying the electronic certificate to the certificate terminal, comprising the steps of:

[0017] sending a certificate request to the fund management server, where the certificate request includes the amount information of the certificate;

[0018] In the process of the certificate verification, the change certificate amount request is sent to the fund management server, and the change certificate amount request includes the changed amount of the certificate amount.

[0019] The present invention also proposes a system for establishing an electronic voucher, including a certificate terminal and a fund management server, wherein:

[0020] the certificate terminal is configured to send a certificate request to the fund management server, where the certificate request includes the amount of the certificate amount; in the process of the certificate verification, the request for the change amount of the certificate is sent to the fund management server, The change of the amount of the amount of the certificate includes the information of the amount of the certificate;

[0021] the money management server is configured to perform the execution of the electronic voucher according to the request for the certificate; receiving the request for the change of the amount of the certificate, and when agreeing to change the amount of the certificate, the amount of the certificate after the change After the verification is passed, the e-voucher is established after freezing the funds or the credit line in the payment account equal to the amount of the modified defamation certificate.

[0022] The present invention further provides an apparatus for applying an electronic voucher to a fund management server, comprising: [0023] a first authentication module, configured to initiate an electronic voucher according to a request sent by a certificate terminal In the case of the certificate, the request for the certificate includes the amount of the amount of the certificate;

[0024] a change module, configured to receive a change certificate amount request during the verification process, the change certificate amount request includes the changed amount of the certificate amount, and when the amount of the certificate is agreed to be changed, send the station to the verification module The amount of the amount of the certificate after the change;

[0025] a verification module, configured to verify the amount of the modified certificate;

[0026] The second certificate module is configured to, after the verification is passed, freeze the electronic certificate in the payment account with the amount of the credit or credit line equal to the changed amount of the credit card.

[0027] The present invention also proposes another apparatus for applying the electronic voucher to the certificate end, comprising:

[0028] the certificate requesting module is configured to send a certificate request to the fund management server, where the certificate request includes the amount information of the certificate;

[0029] The change request module is configured to send a change certificate amount request to the fund management server during the certificate verification process, where the change certificate amount request includes the changed amount of the certificate amount.

Advantageous effects of the invention

Beneficial effect

[0030] The method, system and device for establishing an electronic voucher provided by the invention can establish an electronic voucher with a promised payment function, reduce the transaction risk, and allow the electronic voucher to be in the process of standing up. The request to change the amount of the certificate is subsequently proposed without the need to re-submit the request for the electronic voucher, which increases the flexibility and efficiency of the electronic voucher.

Brief description of the drawing

DRAWINGS

1 is a flow chart of a first embodiment of a method for arranging an electronic voucher according to the present invention;

2 is a schematic diagram of interaction of each main body of an electronic voucher in an embodiment of the present invention;

3 is a flow chart of a second embodiment of a method for arranging an electronic voucher according to the present invention;

4 is a flow chart of a third embodiment of a method for arranging an electronic voucher according to the present invention;

[0035] FIG. 5 is a block diagram of an embodiment of a system for arranging an electronic voucher according to the present invention;

6 is a block diagram showing a first embodiment of an apparatus for arranging an electronic voucher according to the present invention;

7 is a block diagram of a second embodiment of an apparatus for arranging an electronic voucher according to the present invention.

8 is a block diagram showing a third embodiment of the apparatus for arranging an electronic voucher according to the present invention.

[0039] The implementation, functional features, and advantages of the present invention will be further described with reference to the accompanying drawings. Embodiments of the invention

The specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

[0041] In the embodiment of the present invention, the fund management server is a server of the fund management institution, and the fund management institution refers to an organization capable of supporting capital flow, including but not limited to banks and other financial institutions (such as securities institutions, third-party payment platforms, etc.) ), that is, the fund management server includes a bank server or other financial institution server.

[0042] In the embodiment of the present invention, the electronic voucher refers to an electronic credit commitment payment voucher that the fund management server freezes funds according to the application of the witness and uses the credit line and stands in the name of the fund management institution, and promises to settle according to the agreed conditions. .

[0043] In the embodiment of the present invention, the witness (usually the buyer) is the subject of applying for the electronic certificate to the fund management institution, and may be a natural person, a legal person or other organization, and the witness is a terminal held by the witness.

[0044] In the embodiment of the present invention, the electronic voucher is actually the fund management server that registers the frozen funds under the account of the witness.

[0045] In the embodiment of the present invention, the basic business process of the electronic voucher is: The fund management institution freezes the required amount of funds according to the application of the witness, to establish an electronic voucher, and when the agreed settlement condition is reached, the fund management institution will solve the fund. Pay for payment settlement. details as follows:

[0046] 1. After the transaction body forms an order, the witness (such as the buyer) applies for a certificate to the securities institution (ie, the fund management institution of the electronic certificate, such as the bank). (Of course, the witness can apply for a certificate after forming a specific transaction order; or if the transaction order is not formed, the witness will voluntarily apply for the certificate.) [0047] 2. After the acceptance of the certificate, the electronic certificate is established. And freeze the corresponding amount of funds or credit line.

[0048] 3. The recipient (such as the seller) applies to the collection agency (such as the collection bank) for the receipt.

[0049] 4. After the verification information of the certificate receiving institution is correct, the certificate is received, and the electronic certificate enters the performance period, and the certificate holder performs the performance (if the merchant sends the goods, the contract can be considered to have performed the contract).

[0050] 5. After the certificateee performs the contract, the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period, waits for the delivery of the goods, and signs the goods.

[0051] 6. After the witnesses sign the goods, that is, the card holder completes the transaction conditions corresponding to the electronic voucher according to the payment conditions of the electronic voucher, the entrusting card issuing institution applies to the card issuing institution for settlement. [0052] 7. The defamation institution cancels the freezing of the funds of the witnesses' accounts, transfers the funds to the collection agency, and the collection agency transfers the funds to the recipient's account.

[0053] It should be understood that the above is only one way of using electronic voucher, and it is also possible to use an electronic voucher purchase service. After purchasing the service, such as the hotel transaction scenario, the hotel reservation was successful, that is, the hotel performed the contract.

[0054] Of course, the electronic voucher can also be used to transfer funds. In different situations, the understanding of performance and receipt has also changed. That is to say, when a merchant provides a commodity or service, it may directly cause the status of the electronic voucher to flow through the performance period and the receipt period, and directly enter the settlement, such as a face-to-face transaction.

[0055] Hereinafter, the execution procedure of the electronic voucher will be described in detail through a specific embodiment.

[0056] Referring to FIG. 1 and FIG. 2, a first embodiment of a method for arranging an electronic voucher according to the present invention is provided. The method includes the following steps:

[0057] The Sl and the certificate end send a request for the certificate to the fund management server.

[0058] The claim request includes at least the amount of the credit amount information, and may further include payment account information, that is, an account for providing the guarantee by the electronic account.

[0059] In some embodiments, the payment account information may also be provided by a third party, that is, the certificate requesting the third party as the electronic certificate payer, and the third party providing the payment account information to the fund management server.

[0060] S12. The fund management server starts the execution of the electronic certificate according to the request for certification.

[0061] Specifically, the fund management server verifies the information such as the payment account, the identity of the payer, and the amount of the credit card. When the verification is passed, the electronic voucher is established, and when the verification fails, the electronic voucher is not established.

[0062] S13. The certificate terminal sends a request for changing the amount of the certificate to the fund management server.

[0063] In the process of the certificate, the card terminal may then submit a request for the change of the amount of the certificate to the fund management server, and the request for the amount of the certificate includes the amount of the amount of the certificate.

[0064] S14. The fund management server receives the request for changing the amount of the certificate. When agreeing to change the amount of the certificate, proceed to step S15; otherwise, end the process.

[0065] After receiving the request for the change of the amount of the certificate, the fund management server first checks whether the request for the change of the amount of the certificate meets the conditions, such as including the daytime conditions (such as whether the electronic certificate is successfully established) or other prohibition conditions, etc. . When the audit is approved, the company agrees to change the amount of the certificate, stops the original documentary process, and can feedback to the card terminal to agree to change the amount of the certificate. When the review fails, the change is rejected. The amount of the certificate, and the information of the refusal to change the amount of the shackle is reported to the 幵证; 吋, if the reason for the failure of the review is that the electronic vouch has been completed, the party is notified; if the reason for the failure is not met, the reason is If the conditions are prohibited, the original certification process will be continued or the original verification process will be continued.

[0066] S15. The fund management server verifies the changed amount of the certificate. When the verification is passed, step S16 is performed, otherwise the flow is ended.

[0067] Specifically, the fund management server verifies whether the changed amount of the certificate is less than or equal to the balance of the payment account or the credit line balance; when the amount of the modified certificate is less than or equal to the balance of the payment account or the credit line balance吋, the verification passed; otherwise, the verification failed. When the verification fails, you can notify the 证 terminal, and you can also ask whether the 端 terminal will continue the original confession process.

[0068] S16. The fund management server freezes the electronic voucher after freezing the amount of funds or the credit line in the payment account equal to the amount of the modified certificate.

[0069] Specifically, after the verification of the identity of the payer, the payment account, and the amount of the credit card after the change, the fund management server freezes the amount of funds or the credit line in the payment account equal to the amount of the modified certificate, and stands up Electronic voucher. After the electronic voucher is completed, the fund management server can also notify the e-voucher that the e-voucher is completed.

[0070] Referring to FIG. 3, a second embodiment of a method for establishing an electronic voucher according to the present invention is provided. The method of this embodiment is applied to a fund management server, and the method includes the following steps:

[0071] S2 initiates the erection of the electronic voucher according to the request for the certificate sent by the certificate terminal.

[0072] The claim request includes at least the amount information of the certificate, and may further include payment account information, that is, an account for providing the guarantee by the electronic account. In some embodiments, the payment account information may also be provided by a third party, that is, the certificate requesting the third party as the electronic voucher payer, and the third party providing the payment account information to the fund management server.

[0073] After receiving the request for the certificate, the fund management server verifies the information such as the payment account, the identity of the payer, and the amount of the certificate. When the verification is passed, the electronic certificate is established, and when the verification fails, the electronic certificate is not established.

[0074] S22. Receive a request for a change in the amount of the certificate sent by the certificate, and determine whether to agree to change the amount of the certificate. When it is agreed to change the amount of the certificate, step S23 is performed; otherwise, the process is ended. [0075] In the process of the certificate, the card terminal may then submit a request for the change of the amount of the certificate to the fund management server, and the request for the amount of the certificate includes the amount of the amount of the certificate.

[0076] After receiving the request for the change of the amount of the certificate, the fund management server first checks whether the change request amount meets the condition, such as including the daytime condition (such as whether the electronic certificate is successfully established) or other prohibition conditions, etc. . When the audit is approved, the company agrees to change the amount of the certificate, stops the original documentary process, and can feedback to the card terminal to agree to change the amount of the certificate. When the audit fails, the refusal to change the amount of the shackle is reversed, and the information of the refusal to change the amount of the shackle is returned to the 幵 card. If the reason for the failure is that the electronic vouch has been completed, the party will be notified; If the reason for the failure to pass the audit is that it does not meet the other prohibitive conditions, then continue the original certification process or ask whether the card terminal will continue the original certification process.

[0077] S23. Verify the amount of the modified certificate. When the verification is passed, step S16 is performed, otherwise the process ends.

[0078] Specifically, the fund management server verifies whether the changed amount of the certificate is less than or equal to the balance of the payment account or the credit line balance; when the amount of the modified certificate is less than or equal to the balance of the payment account or the credit line balance吋, the verification passed; otherwise, the verification failed. When the verification fails, you can notify the 证 terminal, and you can also ask whether the 端 terminal will continue the original confession process.

[0079] S24. After freezing the payment account and the amount of the credit or the credit line of the changed amount of the credit card, the electronic certificate is established.

[0080] Specifically, after the information of the payer identity, the payment account, and the amount of the changed amount of the certificate is verified, the fund management server freezes the amount of funds or credits in the payment account equal to the amount of the changed amount of the certificate, and stands up Electronic voucher. After the electronic voucher is completed, the fund management server can also notify the e-voucher that the e-voucher is completed.

[0081] S25. The status of updating the electronic voucher is verified.

[0082] In some embodiments, step S25 may also be omitted.

[0083] In the foregoing embodiment, only one change is made to the amount of the shackle. In fact, in the process of falsification, the amount of the shackle may be changed two times or more before successful swearing. For example, before step S16 or S24, the certificate terminal may also request the fund management server to make a second change to the amount of the certificate, and after the second change is made, the electronic certificate may be presented for the third time. Change, and so on. [0084] Referring to FIG. 4, a third embodiment of a method for arranging an electronic voucher according to the present invention is provided. The method in this embodiment is applied to a certificate terminal, and the method includes the following steps:

[0085] S31. Send a certificate request to the fund management server.

[0086] The certificate terminal may send a certificate request to the fund management server through a webpage or an application.

[0087] The claim request includes at least the amount of the credit amount information, and may further include payment account information, that is, an account for providing the guarantee by the electronic account.

[0088] In some embodiments, the payment account information may also be provided by a third party, that is, the verification party requests the third party as the electronic certificate payer, and the third party provides the payment account information to the fund management server.

[0089] S32. In the process of verifying the certificate, send a request for changing the amount of the certificate to the fund management server.

[0090] In the process of the certificate, the card terminal may then submit a request for the change of the amount of the certificate to the fund management server, and the request for the amount of the certificate includes the amount of the amount of the certificate. After the change request is sent, the feedback information sent by the fund management server is received, and the corresponding selection feedback can be made to the fund management server according to the feedback information, such as continuing or terminating the original certificate process.

[0091] Thus, the method for establishing an electronic voucher according to the present invention, in the process of establishing an electronic voucher, may promptly propose to the fund management institution to change the amount of the defamation certificate, and does not need to resubmit the e-voucher request. On the one hand, payment through electronic voucher reduces transaction risk; on the other hand, it increases the flexibility and efficiency of the electronic voucher.

[0092] Referring to FIG. 5, an embodiment of a system for establishing an electronic voucher according to the present invention is provided. The system includes a certificate terminal and a fund management server, wherein:

[0093] The certificate terminal is configured to send a certificate request to the fund management server, where the certificate request includes the amount of the certificate amount; in the process of the certificate verification, the request for the change amount of the certificate is sent to the fund management server, and the amount of the certificate is changed. The request includes information on the amount of the certificate after the change.

[0094] the fund management server: is set to perform the electronic voucher according to the request for confirmation; receiving the request for the change of the amount of the certificate, and when agreeing to change the amount of the certificate, verifying the amount of the certificate; after the verification is passed, The electronic voucher is established after freezing the amount of funds or the credit line in the payment account equal to the amount of the modified defamation certificate.

[0095] The system for the electronic voucher provided by the above embodiment is the same as the method embodiment of the electronic voucher. The specific implementation process is described in the method embodiment, and the technical features in the method embodiment are in the system. Applicable in the application examples, and will not be described here.

[0096] Referring to FIG. 6, a first embodiment of an apparatus for arranging an electronic voucher according to the present invention is provided. The device of this embodiment is applied to the foregoing fund management server, and includes a first authentication module, a change module, a verification module, and a second authentication certificate. Module, where:

[0097] The first certificate module is configured to receive the certificate request sent by the certificate terminal, and start the execution of the electronic certificate according to the request for the certificate.

[0098] The claim request includes at least the amount of the credit amount information, and may further include payment account information, that is, an account for providing the guarantee by the electronic account. In some embodiments, the payment account information may also be provided by a third party, that is, the certificate requesting the third party as the electronic voucher payer, and the third direction receiving module providing the payment account information.

[0099] a change module: set to receive a change certificate amount request, the change certificate amount request includes the changed amount of the certificate amount, and when the amount of the certificate is agreed to be changed, the changed amount of the amount of the certificate is sent to the verification module.

[0100] The verification module is set to: Verify the changed amount of the certificate.

[0101] The second certificate module is configured to, after the verification is passed, freeze the funds or the credit line in the payment account and the amount of the credit amount after the change, and then set up the electronic certificate.

[0102] Specifically, the verification module verifies whether the changed amount of the certificate is less than or equal to the balance of the payment account or the credit line balance; when the amount of the modified certificate is less than or equal to the balance of the payment account or the balance of the credit line, Verification passed; otherwise, verification failed.

[0103] After the payment person's identity, the payment account, and the changed amount of the amount of the certificate are verified, the second certificate module freezes the amount of funds or credits in the payment account equal to the amount of the modified certificate, and stands up. Electronic voucher. After the electronic voucher is completed, the second certificate module can also notify the e-voucher of the certificate to be completed.

[0104] FIG. 7 is a second embodiment of the apparatus for arranging an electronic voucher according to the present invention. The device of the embodiment is also applied to the foregoing fund management server. The difference between this embodiment and the first embodiment is that an update is added. Module, the update module is set to update the status of the electronic voucher after the electronic voucher is established.

Referring to FIG. 8, a third embodiment of the apparatus for establishing an electronic voucher according to the present invention is provided. The device of this embodiment is applied to the foregoing authentication terminal, and the device includes a authentication request module and a change request module, where: [0106] The request module is set to send a request for confirmation to the fund management server.

[0107] The claim request includes at least the amount of the credit amount information, and may further include payment account information, that is, an account for providing the guarantee by the electronic account. In some embodiments, the payment account information may also be provided by a third party, that is, the certificate requesting the third party as the electronic voucher payer, and the third party providing the payment account information to the fund management server.

[0108] The change request module is configured to send a change request amount request to the fund management server during the verification process, and the change certificate amount request includes the changed amount of the certificate amount. After sending the change request, it receives the feedback information sent by the fund management server, and can make corresponding selection feedback to the fund management server according to the feedback information, such as continuing or terminating the original certificate process.

[0109] The device for the electronic voucher provided by the above embodiment is the same as the method embodiment of the electronic voucher. The specific implementation process is described in the method embodiment, and the technical features in the method embodiment are in the device embodiment. Both are applicable, and will not be described here.

[0110] Thus, the apparatus for arranging an electronic voucher of the present invention can subsequently propose a change in the amount of the certificate in the process of establishing the electronic voucher, without resubmitting the request for the electronic voucher. On the one hand, payment through electronic voucher reduces transaction risk; on the other hand, it increases the flexibility and efficiency of the electronic voucher.

[0111] It will be understood by those skilled in the art that all or part of the steps of the foregoing embodiments may be implemented by a program to control related hardware, and the program may be stored in a computer readable storage medium. The storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.

[0112] It is to be understood that the foregoing is only a preferred embodiment of the present invention, and is not intended to limit the scope of the invention, the equivalent structure or equivalent Indirect use in other related technical fields, including the industrial applicability within the scope of patent protection of the present invention.

[0113] The method, system and device for establishing an electronic voucher provided by the invention can establish an electronic voucher with a promised payment function, reduce the transaction risk, and allow the electronic voucher to be in the process of standing up. The request to change the amount of the certificate is subsequently proposed without the need to re-submit the request for the electronic voucher, which increases the flexibility and efficiency of the electronic voucher. Therefore, it has industrial applicability.

Claims

Claim

[Claim 1] A method of setting up an electronic voucher, comprising the steps of:

The certificate terminal sends a request for a certificate to the fund management server, and the request for the certificate includes the amount of the certificate;

The fund management server initiates the execution of the electronic voucher according to the request for the certificate; in the process of the card verification, the card terminal sends a request for the change of the amount of the certificate to the fund management server, and the amount of the certificate is changed. The request includes the changed amount of the amount of the certificate; when the fund management server agrees to change the amount of the certificate, the amount of the certificate is verified;

After the verification is passed, the fund management server freezes the electronic voucher after freezing the funds or the credit line in the payment account equal to the amount of the modified credit card.

[Claim 2] A method for establishing an electronic voucher, which is applied to a fund management server, comprising the steps of: starting an electronic voucher based on a request for a certificate issued by a certificate terminal, the certificate request including the amount of the certificate Information

In the process of the certificate, the request for the change of the amount of the certificate sent by the card is received, and the request for the change of the amount of the certificate includes the information of the amount of the certificate after the change;

After agreeing to change the amount of the certificate, the amount of the changed amount of the certificate is verified; after the verification is passed, the electronic certificate is established after freezing the amount of funds or the credit line in the payment account equal to the amount of the changed amount of the certificate.

[Claim 3] The method for establishing an electronic voucher according to claim 2, wherein the verifying the changed amount of the voucher includes:

Verifying that the amount of the certificate after the change is less than or equal to the balance of the fund or the credit limit of the payment account;

When the changed amount of the credit is less than or equal to the balance of the payment account or the credit balance of the payment account, the verification is passed; otherwise, the verification fails.

[Claim 4] The method for establishing an electronic voucher according to claim 2 or 3, wherein the frozen payment account has the same amount of funds or a credit line as the modified amount of the credit card, and the electronic voucher is established. After the step, it also includes: The status of updating the electronic voucher is verified.

[Claim 5] A method for establishing an electronic voucher, which is applied to a certificate terminal, comprising the steps of:

Sending a certificate request to the fund management server, where the certificate request includes the amount information of the certificate; in the process of issuing the certificate, sending a request for the change amount of the certificate to the fund management server, where the request for the change amount includes the changed amount Amount of information.

[Claim 6] A system for establishing an electronic voucher, comprising: a certificate terminal and a fund management server, wherein: the certificate terminal is configured to send a certificate request to the fund management server, wherein the certificate request includes The amount information of the certificate is sent; in the process of the certificate, the request for the amount of the change of the certificate is sent to the fund management server, and the request for the change of the amount of the certificate includes the amount of the amount of the certificate;

The fund management server is configured to perform the execution of the electronic voucher according to the request for the certificate; receiving the request for the change of the amount of the certificate, and verifying the amount of the certificate after agreeing to change the amount of the certificate; After the verification is passed, the e-voucher is established after freezing the funds or the credit line in the payment account equal to the amount of the modified defamation certificate.

[Claim 7] An apparatus for establishing an electronic voucher, which is applied to a fund management server, and includes:

The first certificate module is configured to initiate the execution of the electronic certificate according to the request for the certificate issued by the certificate terminal, where the request for the certificate includes the amount of the certificate amount;

The change module is set to receive the change certificate amount request during the verification process, and the change certificate amount request includes the changed amount of the certificate amount, and after agreeing to change the amount of the certificate, the change is sent to the verification module Information on the amount of the certificate;

a verification module, configured to verify the amount of the modified certificate;

The second certificate module is configured to freeze the electronic certificate after the verification is passed, and the amount of the credit or credit line in the payment account equal to the amount of the modified certificate is frozen.

[Claim 8] The device for setting up an electronic voucher according to claim 7, wherein the verification module is configured to: verify whether the changed amount of the credit is less than or equal to a fund balance or a credit limit of the payment account When the amount of the modified certificate is less than or equal to the balance of the payment account or the credit line balance, the verification is passed; otherwise, the verification fails.

[Claim 9] The apparatus for setting up an electronic voucher according to claim 7 or 8, wherein the device further includes Includes:

And an update module, configured to update the status of the electronic voucher after the electronic voucher is set up as verified.

[Claim 10] A device for establishing an electronic voucher, which is applied to a certificate terminal, comprising:

The certificate requesting module is configured to send a certificate request to the fund management server, where the certificate request includes the amount of the certificate amount;

a change request module, configured to send a change request amount to the fund management server during the verification process, where the change certificate amount request includes the changed amount of the certificate amount