METHOD, DEVICE AND SYSTEM FOR OPENING ELECTRONIC CERTIFICATE

PROCEDE, DISPOSITIF ET SYSTEME POUR OUVRIR UN CERTIFICAT ELECTRONIQUE

English Abstract

A method, device and system for opening an
electronic certificate, the method comprising the steps of:
starting to open an electronic certificate according to an issuing
request sent by an issuing end and first payer information
sent by a first payment end (S11); within an issuing process,
receiving a payer alteration request sent by the issuing end or
the first payment end, and upon agreeing to alter a payer,
feeding back payer alteration agreement information (S13);
receiving second payer information sent by a second payment
end and performing verification (S14); after verification has
been passed, freezing funds or a credit limit, corresponding to
a limit, in a second payer account and then opening the electronic
certificate (S15). Opening an electronic certificate having
a payment commitment function reduces the transaction
risk for both a buyer and a seller, and allowing an electronic
certificate payer 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.

French Abstract

La présente invention concerne un procédé, un dispositif et un système pour ouvrir un certificat électronique. Le procédé comprend les étapes suivantes consistant à : commencer l'ouverture d'un certificat électronique selon une demande d'émission envoyée par une extrémité d'émission et selon des premières informations de payeur envoyées par une première extrémité de paiement (S11) ; au cours d'un processus d'émission, recevoir une demande de modification de payeur envoyée par l'extrémité d'émission ou par la première extrémité de paiement, et en cas d'accord pour modifier un payeur, renvoyer des informations d'accord de modification de payeur (S13) ; recevoir des secondes informations de payeur envoyées par une seconde extrémité de paiement et réaliser une vérification (S14) ; après que la vérification a été réussie, geler des fonds ou une limite de crédit, correspondant à une limite, dans un second compte de payeur puis ouvrir le certificat électronique (S15). L'ouverture d'un certificat électronique ayant une fonction d'obligation de paiement réduit le risque de la transaction à la fois pour un acheteur et un vendeur, et l'autorisation de soumettre une demande de modification d'un payeur de certificat électronique à n'importe quel moment au cours d'un processus d'ouverture de certificat électronique sans qu'il soit nécessaire de resoumettre une demande d'ouverture de certificat électronique augmente la flexibilité et l'efficacité pour ouvrir le certificat électronique.

Claims

Claims:
1. A computer system for opening an electronic certificate in an electronic
transaction, the
system comprising:
a terminal for issuing electronic certificate configured to:
deliver a request for opening electronic certificate to a Funds-Management
server, wherein the request includes amount of funds for opening electronic
certificate; and
deliver a request for changing payer information in an opening process to the
Funds-Management server;
a first payment terminal configured to:
deliver an acceptance of a request for paying electronic certificate as the
payer
delivered by the terminal for issuing electronic certificate, when receiving
the
request for paying electronic certificate as a payer delivered by terminal for

issuing electronic certificate;
deliver first payer information to the Funds-Management server when receiving
a notification that the request for opening electronic certificate has been
sent to
the Funds-Management server already;
a second payment terminal configured to deliver second payer information to
the Funds-
Management server according to a request for changing payer information
delivered by
the terminal for issuing electronic certificate in an opening process;
the Funds-Management server configured to:
17

start to open an electronic certificate according to the request for opening
electronic certificate and first payer information, wherein the request for
opening electronic certificate is delivered by a terminal for issuing
electronic
certificate, wherein the first payer information is delivered by a first
payment
terminal;
receive a request for changing payer information delivered by the terminal for
issuing electronic certificate or the first payment terminal in an opening
process;
receive second payer information delivered by a second first payment terminal
when accepting to change payer information for improving flexibility of
opening electronic certificate and reducing payment risk;
verify the second payer information; and
where if verification of the second payer information is passed, freezing an
amount of balance or credit amount in a payment account of the second payer
to open the electronic certificate, wherein the amount of balance or credit
amount is equal to the amount of funds in the electronic certificate.
2. The system of claim 1, wherein the request for changing payer information
may be delivered
by the first payment terminal.
3. The system of claim 1, wherein the terminal for issuing electronic
certificate is held and
controlled by a buyer.
4. The system of claim 3, wherein the buyer may be a first payer.
5. The system of any one of claims 1 to 4, wherein the terminal for issuing
electronic certificate
is configured to be the first payment terminal.
18

6. The system of claim 3, wherein the buyer may be a second payer.
7. The system of any one of claims 1 to 6, wherein the terminal for issuing
electronic certificate
is configured to be the second payment terminal.
8. The system of any one of claims 1 to 7, wherein the second payer
information includes
identification information of the second payer.
9. The system of any one of claims 1 to 8, wherein the second payer
information includes
account information of the second payer.
10. The system of any one of claims 1 to 9, wherein the second payer
information includes
account balance of the second payer.
11. The system of claim 1, wherein the Funds-Management server is further
configured to:
verify the identification information of the second payer and an account name
of the
second payer;
verify whether fund balance or credit limit balance in the second payment
account is
more than or equal to the amount of funds for opening electronic certificate,
when
verification for the identification information of the second payer and the
account name
of the second payer is passed;
where if the fund balance or the credit limit balance in the second payment
account is
more than or equal to the amount of funds for opening electronic certificate,
determine
that verification of the second payment information is passed; and
19

where if the fund balance or the credit limit balance in the second payment
account is less
than the amount of funds for opening electronic certificate, determine that
verification of
amount of funds is failed.
12. The system of any one of claims 1 to 11, wherein the Funds-Management
server is further
configured to update status of the electronic certificate to be "has been
opened", when the
electronic certificate is opened.
13. The system of any one of claims 1 to 12, wherein the electronic
certificate is an Internet
based financial instrument that is paid by a Funds-Management institution
credit
commitment.
14. The system of claim 13, wherein the Funds-Management institution is an
institution that can
support capital flows.
15. The system of any one of claims 13 to 14, wherein the Funds-Management
institution
includes a bank.
16. The system of any one of claims 13 to 14, wherein the Funds-Management
institution
includes a financial institution.
17. The system of any one of claims 13 to 14, wherein the Funds-Management
institution
includes a third-party payment platform.
18. The system of any one of claims 1 to 17, wherein the Funds-Management
server includes a
bank server.
19. The system of any one of claims 1 to 17, wherein the Funds-Management
server includes a
financial institution server.

20. A computer implemented method for opening an electronic certificate in an
electronic
transaction, the method comprising:
a terminal for issuing electronic certificate delivers a request for opening
electronic
certificate to a Funds-Management server, wherein the request includes amount
of funds
for opening electronic certificate; and
a first payment terminal delivers first payer information to the Funds-
Management server
when receiving a notification that the request for opening electronic
certificate has been
sent to the Funds-Management server already;
the Funds-Management server starts to open an electronic certificate according
to the
request for opening electronic certificate and first payer information,
wherein the request
for opening electronic certificate is delivered by a terminal for issuing
electronic
certificate, wherein the first payer information is delivered by a first
payment terminal;
the Funds-Management server receives a request for changing payer information
delivered by the terminal for issuing electronic certificate or the first
payment terminal in
an opening process;
a second payment terminal delivers second payer information to the Funds-
Management
server according to the request for changing payer information delivered by
the terminal
for issuing electronic certificate when the Funds-Management server accepting
to change
payer information for improving flexibility of opening electronic certificate
and reducing
payment risk;
the Funds-Management server verify the second payer information; and
21

where if verification of the second payer information is passed, the Funds-
Management
server freezes an amount of balance or credit amount in a payment account of
the second
payer to open the electronic certificate, wherein the amount of balance or
credit amount
is equal to the amount of funds in the electronic certificate.
21. The method of claim 20, wherein the terminal for issuing electronic
certificate is held and
controlled by a buyer.
22. The method of claim 21, wherein the buyer may be a first payer.
23. The method of any one of claims 20 to 22, wherein the terminal for issuing
electronic
certificate is configured to be the first payment terminal.
24. The method of claim 20, wherein the buyer may be a second payer.
25. The method of any one of claims 20 to 24, wherein the terminal for issuing
electronic
certificate is configured to be the second payment terminal.
26. The method of any one of claims 20 to 25, wherein the second payer
information includes
identification information of the second payer.
27. The method of any one of claims 20 to 26, wherein the second payer
information includes
account information of the second payer.
28. The method of any one of claims 20 to 27, wherein the second payer
information includes
account balance of the second payer.
29. The method of claim 20 further includes:
the Funds-Management server verifies the identification information of the
second payer
and an account name of the second payer;
22

the Funds-Management server verifies whether fund balance or credit limit
balance in the
second payment account is more than or equal to the amount of funds for
opening
electronic certificate, when verification for the identification information
of the second
payer and the account name of the second payer is passed;
where if the fund balance or the credit limit balance in the second payment
account is
more than or equal to the amount of funds for opening electronic certificate,
the Funds-
Management server determines that verification of the second payment
information is
passed; and
where if the fund balance or the credit limit balance in the second payment
account is less
than the amount of funds for opening electronic certificate, the Funds-
Management
server determines that verification of amount of funds is failed.
30. The method of claims 20 to 29 further includes that the Funds-Management
server updates
status of the electronic certificate to be "has been opened", when the
electronic certificate is
opened.
31. The method of any one of claims 20 to 30, wherein the electronic
certificate is an Internet
based financial instrument that is paid by a Funds-Management institution
credit
commitment.
32. The method of claim 31, wherein the Funds-Management institution is an
institution that can
support capital flows.
33. The method of any one of claims 31 to 32, wherein the Funds-Management
institution
includes a bank.
34. The method of any one of claims 31 to 32, wherein the Funds-Management
institution
includes a financial institution.
23

35. The method of any one of claims 31 to 32, wherein the Funds-Management
institution
includes a third-party payment platform.
36. The method of any one of claims 20 to 35, wherein the Funds-Management
server includes a
bank server.
37. The method of any one of claims 20 to 35, wherein the Funds-Management
server includes a
financial institution server.
38. A computer implemented method for opening an electronic certificate in an
electronic
transaction, applied in a Funds-Management server, the method comprising:
starting to open an electronic certificate according to a request for opening
electronic
certificate and first payer information, wherein the request for opening
electronic
certificate is delivered by a terminal for issuing electronic certificate,
wherein the first
payer information is delivered by a first payment terminal;
receiving a request for changing payer information delivered by the terminal
for issuing
electronic certificate or the first payment terminal in an opening process;
receiving second payer information delivered by a second first payment
terminal when
accepting to change payer information for improving flexibility of opening
electronic
certificate and reducing payment risk;
verifying the second payer information; and
where if verification of the second payer information is passed, freezing an
amount of
balance or credit amount in a payment account of the second payer to open the
electronic
certificate, wherein the amount of balance or credit amount is equal to the
amount of
funds in the electronic certificate.
24

39. The method of claim 38, wherein the terminal for issuing electronic
certificate is held and
controlled by a buyer.
40. The method of claim 39, wherein the buyer may be a first payer.
41. The method of any one of claims 38 to 40, wherein the terminal for issuing
electronic
certificate is configured to be the first payment terminal.
42. The method of claim 39, wherein the buyer may be a second payer.
43. The method of any one of claims 38 to 39, wherein the terminal for issuing
electronic
certificate is configured to be the second payment terminal.
44. The method of any one of claims 38 to 43, wherein the second payer
information includes
identification information of the second payer.
45. The method of any one of claims 38 to 44, wherein the second payer
information includes
account information of the second payer.
46. The method of any one of claims 38 to 45, wherein the second payer
information includes
account balance of the second payer.
47. The method of claim 38 further includes:
verifying the identification information of the second payer and an account
name of the
second payer;

verifying whether fund balance or credit limit balance in the second payment
account is
more than or equal to the amount of funds for opening electronic certificate,
when
verification for the identification information of the second payer and the
account name
of the second payer is passed;
where if the fund balance or the credit limit balance in the second payment
account is
more than or equal to the amount of funds for opening electronic certificate,
determining
that verification of the second payment information is passed; and
where if the fund balance or the credit limit balance in the second payment
account is less
than the amount of funds for opening electronic certificate, determining that
verification
of amount of funds is failed.
48. The method of any one of claims 38 to 47 further includes updating status
of the electronic
certificate to be "has been opened", when the electronic certificate is
opened.
49. The method of any one of claims 38 to 48, wherein the electronic
certificate is an Internet
based financial instrument that is paid by a Funds-Management institution
credit
commitment.
50. The method of claim 49, wherein the Funds-Management institution is an
institution that can
support capital flows.
51. The method of any one of claims 49 to 50, wherein the Funds-Management
institution
includes a bank.
52. The method of any one of claims 49 to 50, wherein the Funds-Management
institution
includes a financial institution.
53. The method of any one of claims 49 to 50, wherein the Funds-Management
institution
includes a third-party payment platform.
26

54. The method of any one of claims 38 to 53, wherein the Funds-Management
server includes a
bank server.
55. The method of any one of claims 38 to 53, wherein the Funds-Management
server includes a
financial institution server.
56. A computer implemented device for opening an electronic certificate in an
electronic
transaction, applied in a Funds-Management server, the device comprising:
a first issuing module configured to start to open an electronic certificate
according to a
request for opening electronic certificate and first payer information,
wherein the request
for opening electronic certificate is delivered by a terminal for issuing
electronic
certificate, wherein the first payer information is delivered by a first
payment terminal;
a change module configured to:
receive a request for changing payer information delivered by the terminal for

issuing electronic certificate or the first payment terminal in an opening
process;
receive second payer information delivered by a second first payment terminal
when accepting to change payer information for improving flexibility of
opening electronic certificate and reducing payment risk;
a verification module configured to verify the second payer information; and
a second issuing module configured to, where if verification of the second
payer
information is passed, freeze an amount of balance or credit amount in a
payment
account of the second payer to open the electronic certificate, wherein the
amount of
balance or credit amount is equal to the amount of funds in the electronic
certificate.
27

57. The device of claim 56, wherein the verification module is further
configured to:
verify the identification information of the second payer and an account name
of the
second payer;
verify whether fund balance or credit limit balance in the second payment
account is
more than or equal to the amount of funds for opening electronic certificate,
when
verification for the identification information of the second payer and the
account name
of the second payer is passed;
where if the fund balance or the credit limit balance in the second payment
account is
more than or equal to the amount of funds for opening electronic certificate,
determine
that verification of the second payment information is passed; and
where if the fund balance or the credit limit balance in the second payment
account is less
than the amount of funds for opening electronic certificate, determine that
verification of
amount of funds is failed.
58. The device of any one of claims 56 to 57, further includes a update
module.
59. The device of claim 58, wherein the update module is configured to update
status of the
electronic certificate to be "has been opened", when the electronic
certificate is opened.
60. The device of claim 56, wherein the terminal for issuing electronic
certificate is held and
controlled by a buyer.
61. The device of claim 60, wherein the buyer may be a first payer.
28

62. The device of any one of claims 56 to 61, wherein the terminal for issuing
electronic
certificate is configured to be the first payment terminal.
63. The device of claim 60, wherein the buyer may be a second payer.
64. The device of any one of claims 56 to 60, wherein the terminal for issuing
electronic
certificate is configured to be the second payment terminal.
65. The device of any one of claims 56 to 64, wherein the second payer
information includes
identification information of the second payer.
66. The device of any one of claims 56 to 65, wherein the second payer
information includes
account information of the second payer.
67. The device of any one of claims 56 to 66, wherein the second payer
information includes
account balance of the second payer.
68. The device of claims 56 to 67, wherein the electronic certificate is an
Internet based financial
instrument that is paid by a Funds-Management institution credit commitment.
69. The device of claim 68, wherein the Funds-Management institution is an
institution that can
support capital flows.
70. The device of any one of claims 68 to 69, wherein the Funds-Management
institution
includes a bank.
71. The device of any one of claims 68 to 69, wherein the Funds-Management
institution
includes a financial institution.
72. The device of any one of claims 68 to 69, wherein the Funds-Management
institution
includes a third-party payment platform.
29

73. The device of any one of claims 56 to 72, wherein the Funds-Management
server includes a
bank server.
74. The device of any one of claims 56 to 72, wherein the Funds-Management
server includes a
financial institution server.
75. A computer implemented method for opening an electronic certificate in an
electronic
transaction, applied in a terminal for issuing electronic certificate, the
method comprising:
delivering a request for paying electronic certificate as a payer to a first
payment
terminal;
delivering a request for opening electronic certificate to a Funds-Management
server
when receiving an acceptance of the request for paying electronic certificate
as the payer
from the first payment terminal, wherein the request includes amount of funds
for
opening electronic certificate; and
notifying the first payment terminal so that the first payment terminal
delivers first payer
information to the Funds-Management server; and
delivering a request for changing payer information in an opening process to
the Funds-
Management server when receiving an acceptance from the Funds-Management
server
for changing payer information, to enable the second payment terminal to
deliver second
payer information to the Funds-Management server.
76. The method of claim 75, wherein the electronic certificate is an Internet
based financial
instrument that is paid by a Funds-Management institution credit commitment.

77. The method of claim 76, wherein the Funds-Management institution is an
institution that can
support capital flows.
78. The method of any one of claims 76 to 77, wherein the Funds-Management
institution
includes a bank.
79. The method of any one of claims 76 to 77, wherein the Funds-Management
institution
includes a financial institution.
80. The method of any one of claims 76 to 77, wherein the Funds-Management
institution
includes a third-party payment platform.
81. The method of any one of claims 75 to 80, wherein the Funds-Management
server includes a
bank server.
82. The method of any one of claims 75 to 80, wherein the Funds-Management
server includes a
financial institution server.
83. A computer implemented device for opening an electronic certificate in an
electronic
transaction, applied in a terminal for issuing electronic certificate, the
device comprising:
a payment request module configured to:
deliver a request for paying electronic certificate as a payer to a first
payment
terminal; and
notifying an issuing request module when receiving an acceptance for the
request for paying electronic certificate as a payer delivered by the first
payment terminal;
the issuing request module configured to:
31

deliver a request for opening electronic certificate to the Funds-Management
server; and
notify the first payment terminal so that the first payment terminal delivers
first
payer information to the Funds-Management server;
a first change request module configured to deliver a request for changing
payer
information in an opening process to the Funds-Management server when
receiving an
acceptance from the Funds-Management server for changing payer information, to

enable the second payment terminal to deliver second payer information to the
Funds-
Management server.
84. The device of claim 83, wherein the terminal for issuing electronic
certificate is held and
controlled by a buyer.
85. The device of claim 84, wherein the buyer may be a first payer.
86. The device of any one of claims 83 to 85, wherein the terminal for issuing
electronic
certificate is configured to be the first payment terminal.
87. The device of claim 84, wherein the buyer may be a second payer.
88. The device of any one of claims 83 to 84, wherein the terminal for issuing
electronic
certificate is configured to be the second payment terminal.
89. The device of any one of claims 83 to 88, wherein the second payer
information includes
identification information of the second payer.
90. The device of any one of claims 83 to 89, wherein the second payer
information includes
account information of the second payer.
32

91. The device of any one of claims 83 to 90, wherein the second payer
information includes
account balance of the second payer.
92. The device of claims 83 to 91, wherein the electronic certificate is an
Internet based financial
instrument that is paid by a Funds-Management institution credit commitment.
93. The device of claim 92, wherein the Funds-Management institution is an
institution that can
support capital flows.
94. The device of any one of claims 92 to 93, wherein the Funds-Management
institution
includes a bank.
95. The device of any one of claims 92 to 93, wherein the Funds-Management
institution
includes a financial institution.
96. The device of any one of claims 92 to 95, wherein the Funds-Management
institution
includes a third-party payment platform.
97. The device of any one of claims 83 to 95, wherein the Funds-Management
server includes a
bank server.
98. The device of any one of claims 83 to 95, wherein the Funds-Management
server includes a
financial institution server.
33

Description

CA 02993108 2018-01-19
WO 2017/012062 PCT/CN2015/084659
Method, Device And System For Opening Electronic Certificate
Technical Field
[0001] The present invention relates to the field of network payment
technology, and in particular,
to a method, device, and system for opening an electronic certificate.
Background Technology
[0002] Payment refers to payment of money produced on the basis of economic
contracts in the
business activities. At present, many banks or enterprises have provided a
network of
payment services, allowing users to operate computers, mobile phones and other
terminal
equipment to achieve network payment, the way of the network payment provides
users
with a great convenience. In the existing network payment methods, most of the
funds in
the bank card are allocated directly to the other's account, or to the third
party organizations
as security.
[0003] The traditional way of online payment, after the buyer's money order is
issued, the funds
will be transferred directly, the following situations often occur: the buyer
has not received
the commodity or services provided by the merchant, and its funds have been
paid to the
seller by the bank or the third party organization; or after the seller offers
the commodity or
services, the buyer is unable to pay the corresponding funds. Or the buyer
transfers the
money to the wrong account. At this stage there is a certain risk of online
payment
transactions, which cannot guarantee the interests of both buyers and sellers.
Technical problem
[0004] The main object of the present invention is to provide a method, device
and system for
opening an electronic certificate to reduce transaction risk and increase the
flexibility and
efficiency of opening an electronic certificate.
Problem solving solution
Technical solutions
[0005] In order to achieve the above objective, the present invention provides
a method for
opening an electronic certificate applied to a Funds-Management server,
including the
following steps:
[0006] The opening of electronic certificate is made according to the issuing
request delivered by
the issuing terminal and the first payment information delivered by the first
payment
terminal;
[0007] During a process of issuing a certificate, receiving a change payment
request delivered by

CA 02993108 2018-01-19
WO 2017/012062 PCT/CN2015/084659
the issuing terminal or the first payment terminal, and when payment of the
payment is
approved, the payment-for-consent information is changed;
[0008] Receiving the second payer delivers the second payer information;
[0009] Verifying the second payer information;
[0010] When the verification is passed, the second payer's account in the
freezing of the
corresponding amount of funds or credit line to open an electronic
certificate.
[0011] The present invention also proposes a method of opening an electronic
certificate applied
to the issuing terminal, including the following steps:
[0012] Deliver \ request to the first payment terminal as an electronic
certificate payer;
[0013] After receiving the agreement delivered by the first payment terminal
as the electronic
certificate payment person, it delivers a certificate issuing request to the
Funds-Management server and notifies the first payment terminal so that the
first payment
terminal delivers the first payer information to the Funds-Management server;
[0014] In the process of issuing a certificate, delivering a request for
changing a payer to the
Funds-Management server;
[0015] After receiving the information of changing the payer delivered by the
Funds-Management
server, deliver a request for changing a payer to a second payment terminal,
so that the
second payment terminal delivers second payer information to the Funds-
Management
server.
[0016] The present invention also presents a device applied to the Funds-
Management server to
open an electronic certificate, including:
[0017] The first card issuing module is used to start the electronic
certificate opening according to
the issuing request delivered by the issuing terminal and the first payer
information
delivered by the first payment terminal;
[0018] The change module is used to receive a change payment request delivered
by the issuing
terminal or the first payment terminal during a process of issuing a
certificate, feedback the
information of the change payment provider when the payment of the payment is
approved,
and receive the second payer delivered by the second payer information;
[0019] A verification module is used to verify the second payer information;
[0020] The second card issuing module is used to open an electronic
certificate after the
information of the second payer is verified, and the funds or credit of the
corresponding
amount in the second payer's account is frozen.
[0021] The present invention also proposes a device for opening electronic
certificate applied to
the issuing terminal, including:
[0022] A payment request module is used to deliver a request to the first
payment terminal as an
2

CA 02993108 2018-01-19
WO 2017/012062 PCT/CN2015/084659
electronic certificate payment payer, and when receiving the consent delivered
by the first
payment terminal as the information of an electronic certificate payment
payer, notify the
issuing request module;
[0023] The issuing request module is used to deliver an issuance request to
the
Funds-Management server, and notify the first payment terminal so that the
first payment
terminal delivers the first payment payer information to the Funds-Management
server;
[0024] The first change request module is used to deliver a request for
changing a payer to the
Funds-Management server during a process of issuing a certificate; and after
receiving the
information of changing a payer delivered by the Funds-Management server, the
second
payment terminal delivers a request for changing the payment payer so that the
second
payment terminal delivers the second payment payer information to the
Funds-Management server.
[0025] The present invention also provides a system for opening an electronic
certificate,
including a issuing terminal, a first payment terminal, a second payment
terminal and a
Funds-Management server, wherein:
[0026] The issuing terminal is used to deliver a request to the first payment
terminal for requesting
payment as an electronic certificate; and after receiving the consent
delivered by the first
payment terminal as the information of the payer paying the electronic
certificate, the
Funds-Management server delivers an issuing request and notifies the first
payment
terminal; in the process of issuing a certificate, the Funds-Management server
delivers a
request for a change of payment to the Funds-Management server; and receives a
consent
change delivered by the Funds-Management server after paying the payer's
information,
delivering a request for changing a payer to the second payment terminal;
[0027] The first payment terminal is used to feedback, as a request for the
electronic certificate
payer, information agreed to be used as an electronic certificate payment
payer according
to the request delivered by the issuing terminal; -after receiving the
notification of the
issuing request delivered by the issuing terminal, the first payer information
is delivered to
the Funds-Management server.
[0028] The second payment terminal is used to deliver second payer information
to the
Funds-Management server according to a change payment request delivered by the
issuing
terminal;
[0029] The Funds-Management server is used to start the opening of the
electronic certificate
according to the issuing request delivered by the issuing terminal and the
first payer
information delivered by the first payment terminal. During the issuing of the
certificate,
receiving a request for changing a payer delivered by the issuing terminal or
the first
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payment terminal, and feedback to change the payer's information when agreeing
to change
the payer; and receiving the second payer information delivered by the second
payment
terminal, and when the verification is passed, the electronic certificate is
frozen after
freezing the corresponding amount of funds or credit line in the account of
the second
payer.
The beneficial effect of the invention
Beneficial effect
[0030] By adopting the method, device and system for opening the electronic
certificate provided
by the present invention, an electronic certificate with a committed payment
function can
be opened, which reduces the transaction risk between the buyer and the
seller, and allowed
to open the electronic certificate process at any time to change the request
of the electronic
certificate payer, without having to re-submit the request to open electronic
certificate, to
improve the flexibility and efficiency of opening electronic certificate.
A brief description of the drawings
Brief Description
[0031] Figure 1 is a flow chart of a first example of a method for opening an
electronic certificate
according to the present invention;
[0032] Figure 2 is an interactive diagram of the main body when opening the
electronic certificate
in the example of the present invention;
[0033] Figure 3 is a flow chart of the Funds-Management server verifying the
second payer
information in the example of the present invention;
[0034] Figure 4 is a flow chart of a second example of the method for opening
an electronic
certificate of the present invention;
[0035] Figure 5 is a flow chart of a method for opening an electronic
certificate of the third
example of the present invention;
[0036] Figure 6 is a schematic block diagram of an example of an electronic
certificate opening
system of the present invention;
[0037] Figure 7 is a schematic block diagram of a first example of the device
for opening an
electronic certificate of the present invention;
[0038] Figure 8 is a schematic block diagram of a second example of the device
for opening an
electronic certificate according to the present invention;
[0039] Figure 9 is a schematic block diagram of a third example of the device
for opening an
electronic certificate according to the present invention;
[0040] Figure 10 is a schematic block diagram of a fourth example of a device
for opening an
electronic certificate according to the present invention.
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[0041] The realization of the object of the present invention, features and
advantages of the
present invention will be further described with reference to the accompanying
drawings.
Examples of the Invention
Implementation pattern of the present invention
[0042] It is to be understood that the specific examples described herein are
merely illustrative of
the invention but not intended to limit the invention.
[0043] In the examples of the present invention, the Funds-Management server
is a server of the
funds management institution and the funds management institution refers to an

organization capable of supporting the flow of funds, including but not
limited to banks
and other financial institutions (such as securities institutions, third-party
payment
platforms etc.), that is, Funds-Management server includes a bank server or
other financial
institution server.
[0044] In this example of the present invention, an electronic certificate
refers to a payment
certificate of electronic (Funds-Management server) that is opened on the
application of a
licensee to freeze funds or credit limits and is opened in the name of a fund
management
institution and commit to settle the payment credit of electronic credit
commitment
according to the agreed conditions.
[0045] In the examples of the present invention, the issuer (usually the
buyer) is the entity
applying for the establishment of an electronic certificate to the fund
management
institution, which may be a natural person, a legal person or any other
organization. The
issuer is the terminal held by the issuer.
[0046] In this example of the present invention, the first payer and the
second payer, at the request
of the issuer, are used as the electronic certificate payer to open the
electronic certificate
with the funds or credit of their account as the issuer. The main body may be
a natural
person, a legal person or other organization. The first payment terminal and
the second
payment terminal are respectively terminals owned by the first payer and the
second payer.
[0047] In the example of the present invention, opening an electronic
certificate is actually a
Funds-Management server registering the frozen funds under the issuer's
account.
[0048] In this example of the present invention, the basic business process of
electronic certificate
is: Funds management institution establish electronic certificate in
accordance with the
amount of funds required to freeze the applicant's application, when agreed to
meet the
conditions for the settlement, the fund management institution will be paid to
settle
payment settlement. Details as follows:
[0049] 1. After the transaction body forms an order, the issuer (e.g., the
buyer) applies for issuing
the certificate to the issuing institution (i.e, the fund management
institution that opens an

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electronic certificate, such as an issuing bank). (Of course, the issuer can
apply for issuing
a certificate when forming a specific transaction order, or the issuer can
voluntarily apply
for issuing a certificate when the transaction order is not formed.)
[0050] 2. After the issuing agency accepts, open electronic certificate and
freeze the corresponding
amount of funds or credit line.
[0051] 3. The recipient (such as the seller) apply to the receiving authority
(such as the receiving
bank) for a certificate.
[0052] 4. After the certification body to verify the information to be
certified, the electronic
certificate enters into the compliance period, and the certificate collector
performs the
performance (for example, the merchant delivers the commodity and can be
regarded as
performing the contract).
[0053] 5. After receiving the certificate of compliance, the electronic
certificate to obtain
compliance information, change the status of the bank credit, electronic
certificate enter
into the receipt period, waiting for the delivery of commodity, and receive
the commodity.
[0054] 6. When the issuer sign the commodity, that is the after receiving the
transaction conditions
of electronic certificate according to the payment terms of electronic
certificate, the
receiving card apply to the issuing agency for payment..
[0055] 7. Issuing agency discharges the funds from the opening of the account,
transfer the funds
to the collection agencies, collection agencies will transfer funds to the
collector's account.
[0056] It should be understood that the above is only a way to use electronic
certificate, it also can
be used to purchase electronic services. In the purchase of services, such as
living in the
hotel transaction scenario, the hotel reservation is successful, that is, the
hotel undertook a
performance.
[0057] Of course, electronic certificate can also be used to allocate funds.
In different situations,
the understanding of performance and receipt also changed. In other words,
when a
merchant provides a commodity or service, the status of the electronic
certificate may
directly flow through both the compliance period and the receipt period,
directly entering
the solution, such as face-to-face transactions.
[0058] In the following, the opening procedure of the electronic certificate
will be described in
detail through specific examples.
[0059] Please refer to Figure 1, Figure 2, a first example of the method for
opening an electronic
certificate of the present invention is proposed, and the method of this
example is applied
to a Funds-Management server, and the method includes the following steps:
[0060] S11: Start opening an electronic certificate according to the issuing
request delivered by the
issuing terminal and the first payee information delivered by the first
payment terminal.
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[0061] Specifically, as shown in Figure 2, the issuing terminal first delivers
a request to the first
payment terminal for requesting the first payment terminal as an electronic
certificate
payment payer. After receiving the request, if the first payment terminal
agrees to pay as an
electronic certificate payer, the consent information will be delivered to the
issuing
terminal; the issuing terminal receives the consent message, then delivers a
Funds-Management server a certificate request, which includes the issuing
amount and the
issuer's identity information; Funds-Management server receives the issuing
request
delivered by the issuing terminal; the issuing terminal then delivers a
notification to the
first paying terminal that the issuing request has been delivered; the first
paying terminal
delivers the first payment information, the first payment information includes
the identity
information of the first payer, the account name, and the account amount.
After receiving
the first payment information, the Funds-Management server starts the
operation according
to the issuing request and the first payer information. The opening of an
electronic
certificate specifically includes verifying the first payer's identity
information and account
name and verifying whether the first payer's account amount is greater than or
equal to the
amount of the issuing certificate amount, etc., in which the account amount is
the account
balance of funds or credit balance.
[0062] S12, receiving a request to change the payer to determine whether to
agree to change the
payer. When it is agreed to change the payer, step S13 is executed; otherwise,
the process is
ended or the refusal to change the payer information is refuted, and the
electronic
certificate is further asked to be opened based on the first payer
information.
[0063] In this step S12, before the electronic certificate is successfully
opened during the process
of issuing the certificate, the issuing terminal may at any time make a
request to the
Funds-Management server to change the payment payer.
[0064] Specifically, as shown in Figure 2, during the issuing process, the
issuing terminal delivers
a request for changing the payer to the Funds-Management server. After
receiving the
request for changing the payee, the Funds-Management server verifies whether
the request
meets the condition, such as whether the time conditions (such as whether the
electronic
certificate was successfully opened) or other prohibited conditions, etc.,
after the approval
of the agreed to change the payer, when the audit is not passed, it does not
agree to change
the payer.
[0065] In some examples, the payee request may also be submitted by the first
payment terminal
to the Funds-Management server. Specifically, in the process of issuing a
certificate, the
first payment terminal delivers a request for changing the payment to the
Funds-Management server, and after receiving the request for changing the
payment, the
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Funds-Management server verifies whether the request meets the conditions and
approves
the payment after the approval is passed payer, when the audit is not passed,
it does not
agree to change the payer.
[0066] S13, the feedback agrees to change the payer's information.
[0067] When the payment request is changed by the issuing party, the Funds-
Management server
feeds back to the issuing party (or the issuing party and the first payment
party) the consent
to change the payment information.
[0068] When the change payment request is made by the first payment terminal,
the
Funds-Management server feeds back the first payment terminal consent to
change the
payee information, and then the first payment terminal delivers the consent
information to
the issuing terminal. Alternatively, the Funds-Management server can also
deliver feedback
to the first payer and the issuer to change the payer's information.
[0069] S14, receiving second payer information delivered by the second payment
terminal and
performing verification. When the verification succeeds, step S15 is executed.
If the
verification fails, the process ends. At the same time, the information about
the failure of
opening the electronic certificate may also be fed back to the issuing
terminal (or the
second payment terminal, or the issuing terminal and the second payment
terminal).
[0070] Specifically, as shown in Figure 2, after receiving the agreement to
change the payer's
information, the issuing terminal delivers the request for changing the payer
to the second
payment terminal. When the second payer agrees to act as the electronic
certificate payer,
the second payment terminal delivers the second payment information to the
Funds-Management server, and at the same time, the second payment terminal can
feed
back the consent information to the issuing terminal. The issuing terminal
notifies the first
payment terminal to apply for changing the payer.
[0071] After receiving the second payer information, the Funds-Management
server terminates the
process of opening the electronic certificate according to the first payer
information, and in
response to the second payer information, the electronic certificate is
opened, that is, verify
the information of the second payer. The procedure for Funds-Management server
to verify
the second payer information will be described later.
[0072] S15, freezing the second payer account in the corresponding amount of
funds or credit line
to open an electronic certificate.
[0073] In the step S15, after the second payer information is verified, the
Funds-Management
server then froze the funds or credit line equal to the amount of the opening
card in the
second payer's account and opens an electronic certificate. It may further
notify the issuing
terminal (or the issuing terminal and the second payment terminal) that the
electronic
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certificate has been successfully opened.
[0074] S16, the status of the updated electronic certificate is issued.
[0075] In some examples, step S16 may also be omitted.
[0076] In the preceding step S14, the Funds-Management server verifying the
second payer
information is specifically as shown in Figure 3, including the following
steps:
[0077] S141, verify the second payer's identity information and account name.
When the second
payer's identity information and account name verification is successful, step
S142 is
executed; otherwise, the verification fails.
[0078] S142, verifying the second payer's account amount, determining whether
the second
payer's account amount is greater than or equal to the issuing amount. When
the account
amount is greater than or equal to the issuing amount, the verification is
passed; otherwise,
the verification fails. Wherein, the amount of the account is the balance of
the balance of
the fund or the credit line of the account.
[0079] hi the foregoing example, only one change was made to the electronic
certificate payer, and
in fact, the electronic certificate payer could make two or more changes to
the electronic
certificate payer. For example, before step S15, the issuing terminal or the
second payment
terminal may also request to the Funds-Management server for a second change
to the
electronic certificate payer, and after the second change is made, the
electronic certificate is
successfully opened, and a third change can be made, and so on.
[0080] Please refer to Figure 4 and Figure 2, a second example of the method
for opening an
electronic certificate of the present invention is proposed. The method of
this example is
applied to an issuing terminal. The method includes the following steps:
[0081] S21, deliver a request to the first payment terminal for requesting
payment as an electronic
certificate.
[0082] S22. After receiving the consent delivered by the first payment
terminal as the payment
information of the electronic certificate, the card issuance request is
delivered to the
Funds-Management server.
[0083] Specifically, as shown in Figure 2, after receiving the request, the
first payment terminal
delivers the consent information to the issuing terminal if the first payment
terminal agrees
to be the electronic certificate paying payer; after the issuing terminal
receives the consent
information, the Funds-Management server delivers an issuing request, which
includes the
issuing amount and the issuer's identity information.
[0084] S23, notify the first payment terminal has delivered a certificate
request.
[0085] Specifically, as shown in Figure 2, after issuing the issuing request
to the
Funds-Management server, the issuing request is delivered to the first payment
terminal
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notifying the issuing request, so that the first payment terminal delivers the
issuing request
through the corresponding web page, application and other ways to Funds-
Management
server to deliver the first payer information, Funds-Management server will be
issued with
electronic certificate.
[0086] S24. Deliver a request for changing the payer to the Funds-Management
server.
[0087] In step S24, before the electronic certificate is successfully opened
during the issuance
process, the issuing terminal may at any time deliver a request for changing
the payer to
the Funds-Management server.
[0088] S25, after receiving the information delivered by the Funds-Management
server that agrees
to change the payer, deliver the request for changing the payer to the second
payment
terminal.
[0089] Specifically, as shown in Figure 2, after receiving the request for
changing the payer, the
Funds-Management server verifies whether the request meets the conditions, and
when the
verification is passed, feeds back to the issuing terminal the information for
agreeing to
change the payer. After receiving the consent information, the issuing
terminal delivers the
request for changing the payer to the second payment terminal, so that the
second payment
terminal delivers the second payment information to the Funds-Management
server, and
the Funds-Management server make electronic certificate issued according to
the second
payer's information. In addition, the issuing terminal may also notify the
first payment
terminal to apply for a change of payment.
[0090] Please refer to Figure 5 and Figure 2, a third example of a method for
opening an electronic
certificate according to the present invention is proposed. The method in this
example is
applied to a first payment terminal, and the method includes the following
steps:
[0091] S31, feedback to the issuing terminal agree as electronic certificate
payer's information.
[0092] Specifically, as shown in Figure 2, after receiving the request
delivered by the issuing
terminal and requesting the first payer as an electronic certificate payer, if
the first payment
terminal agrees to act as an electronic certificate payer, deliver an
agreement to the issuing
tenninal to act as a payer for electronic certificate.
[0093] S32: After receiving the notification delivered by the issuing terminal
that has deliver the
issuing request to the Funds-Management server, the first payer information is
delivered to
the Funds-Management server.
[0094] The first payer information includes the identity information of the
first payer, the account
name and the account amount. Wherein, the amount of the account is the balance
of the
balance of the fund or the credit line of the account.
[0095] S33. Deliver a request for changing the payer to the Funds-Management
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[0096] In step S33, before the electronic certificate is successfully opened
during the process of
issuing a certificate, the first payment terminal may deliver a request for
changing a
payment payer to the Funds-Management server at any time.
[0097] S34, receiving feedback information of Funds-Management server.
[0098] Specifically, as shown in Figure 2, after receiving the request for
changing the payer, the
Funds-Management server verifies whether the request meets the conditions, and
when the
verification is passed, delivers the first payment terminal (or the first
payment terminal and
the issued certificate terminal) agree to change the payer's information.
Further, after
receiving the consent information, the first payment terminal may further
forward the
consent information to the issuing terminal.
[0099] In the foregoing example, the issuer, the first payer and the second
payer are three different
entities, namely the issuing terminal, and the first payment terminal and the
second
payment terminal are three different terminals.
[0100] In some examples, the issuer is the first payer, i.e., the issuer
applies for an electronic
certificate to the funds management institution with its own account as a
guarantee. In this
example, the issuing terminal and the first payment terminal are the same
terminal, and the
issuing terminal delivers the issuer's request and the issuer's identity
information, the
account name and the account amount directly to the Funds-Management server.
During
the process of issuing the certificate, the issuing certificate terminal shall
at any time
request the Funds-Management server to change the payer of the electronic
certificate
payment to another entity (i.e. the second payer).
[0101] In other examples, the issuer is the second payer. That is, the issuer
first applies for the
electronic certificate from the Funds-Management server by the other party
(i.e., the first
payer) as the electronic certificate payer. During the process of issuing the
certificate, the
issuer or the first payer may submit the fund management institution to change
the
electronic certificate payer to the issuer. In this implementation manner, the
issuing
terminal and the second payment terminal are the same terminal.
[0102] Thus, the present invention opens the method of electronic certificate,
in the process of
opening electronic certificate, the fund management institution may at any
time submit a
request for the change of electronic certificate to the payer, without having
to re-submit
electronic certificate issuing request. On the one hand, the payment through
the electronic
certificate reduces the transaction risk; on the other hand, it increases the
flexibility and
efficiency of opening an electronic certificate.
[0103] Please refer to Figure 6, an example of a system for opening an
electronic certificate
according to the present invention is proposed. The system includes an issuing
terminal, a
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first payment terminal, a second payment terminal, and a Funds-Management
server,
wherein:
[0104] The issuing terminal is used to deliver a request to the first payment
terminal for requesting
payment as an electronic certificate and receive feedback information from the
first
payment terminal; and when the feedback information of the first payment
terminal agrees
to be the payment recipient of the electronic certificate, the Funds-
Management server
delivers the issuing request and notifies the first payment terminal; during
the process of
issuing the certificate, the Funds-Management server delivers a request for
changing the
payer of the payment to the Funds-Management server; after receiving the
information of
changing the payer delivered by the Funds-Management server, deliver the
change payer
request to the second payment terminal.
[0105] The first payment terminal: set to receive the request delivered by the
issuing terminal as a
request for electronic certificate payment, and feedback consent or refuse to
be paid as
electronic certificate information; received from the issuing terminal
delivered to
Funds-Management; after receiving the notification delivered by the issuing
terminal that
has delivered the issuing request to the Funds-Management server, the first
payer
information is delivered to the Funds-Management server.
[0106] In some examples, the first payment terminal may also deliver a change
payer request to
the Funds-Management server during the issuing process to receive feedback
from the
Funds-Management server. Further, the first payment terminal also forwards the
feedback
information to the issuing terminal.
[0107] The second payment terminal is used to receive the change payer request
delivered by the
issuing terminal, and deliver the second payment information to the Funds-
Management
server when agreeing to be the electronic certificate payer.
[0108] Funds-Management server is used to receive the issuing request
delivered by the issuing
terminal and the first payer information delivered by the first payment
terminal; and start
the opening of the electronic certificate according to the issuing request and
the first payer
information; in the process of issuing a certificate, a request of changing a
payer is
received. When the payer is agreed to be changed, feedback is agreed to change

information of a payer. The second payer information delivered by the second
payer is
received and verified. When the verification is passed, after the second
payer's account is
frozen, the corresponding amount of funds or credit line is opened to open an
electronic
certificate.
[0109] The system for providing the electronic certificate provided by the
above example belongs
to the same concept as the method example for opening the electronic
certificate. For the
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specific implementation process, refer to the method example for details. The
technical
characteristics of the method are applicable in the system implementation
cases.
[0110] Figure 7, a first example of a device for opening an electronic
certificate according to the
present invention is proposed. The device in this example is applied to the
foregoing
Funds-Management server and includes a first issuing module, a changing
module, a
verification module and a second opening certificate module, wherein:
[0111] The first card issuing module is used to receive the issuing request
delivered by the issuing
terminal and the first payer information delivered by the first payment
terminal, and start
the opening of the electronic certificate according to the issuing request and
the first payer
information.
[0112] The change module is used to: receive a change payment request
delivered by the issuing
terminal or the first payment terminal during a process of issuing a
certificate, and when
agreeing to change a payment payer, feedback consent to change the payment
information
and receive a second payment terminal to deliver the second payer information.
[0113] Specifically, after receiving the change payment request delivered by
the issuing terminal
or the first payment terminal, the modification module reviews the request of
the payment
changer, and when the approval is approved, changes the payment information of
the payer.
[0114] The verification module is used to verify the second payer information,
the second payer
information includes the identity information of the second payer, the account
name and
the account amount, and when the verification is passed, the corresponding
amount of
funds in the second payer account is frozen or open electronic certificate
after credit.
[0115] Specifically, the first card issuing module first verifies the identity
information of the
second payer and the account name. After the identity information of the
second payer and
the verification of the account name are successful, the second verifier
verifies whether the
account amount of the second payer is greater than or equal to the issuing
amount; when
the second payer's account amount is greater than or equal to the issuing
amount, the
verification is successful; otherwise, the verification fails. Wherein, the
amount of the
account is the balance of the balance of the fund or the credit line of the
account.
[0116] The second issuing module is used to open an electronic certificate
after the information of
the second payer is verified, and the funds or credit line of the
corresponding amount in the
second payer's account is frozen.
[0117] Figure 8 is a second example of a device for opening an electronic
certificate according to
the present invention. The device in this example is also applied to the
foregoing
Funds-Management server. The difference between this example and the first
example is
that an additional one update module, the update module is set to open the
electronic
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certificate after updating the state of electronic certificate has been
opened. In some
examples, the issuer is the first payer, and the issuing terminal and the
first payer are the
same terminal.
[0118] In some other examples, the issuer is the second payer, and the issuer
and the second payer
are the same terminal.
[0119] Figure 9, a third example of a device for opening an electronic
certificate according to the
present invention is proposed. The device in this example is applied to the
issuing terminal.
The device includes a payment request module, a verification request module,
and a first
change request module, wherein:
[0120] The payment request module is used to deliver a request to the first
payment terminal for
requesting payment as an electronic certificate and receive the feedback
information of the
first payment terminal. When the feedback information is the first payment
consent
information of the first payment holder as the electronic certificate payment
payer, notify
the issuing request module.
[0121] Issuing request module: set when the first payer agrees to act as
electronic certificate payer,
deliver a certificate issuing request to the Funds-Management server, and
notify the first
payment terminal to deliver the first payer information to the Funds-
Management server.
[0122] The first change request module is used to deliver a request for
changing a payer to the
Funds-Management server during a process of issuing a certificate; and after
receiving the
information of changing a payer delivered by the Funds-Management server, the
second
payment terminal delivers a request for changing the payment payer so that the
second
payment terminal delivers the second payment payer information to the
Funds-Management server.
[0123] Figure 10, a fourth example of a device for opening an electronic
certificate according to
the present invention is proposed. The device in this example is applied to
the foregoing
first payment terminal. The device includes a payment request feedback module,
a payment
information delivery module and a second change request module, wherein:
[0124] The payment request feedback module: set to receive the request
delivered by the issuing
terminal as the request of the electronic certificate payer, and agree to act
as the
information provider of the electronic certificate when agreeing to be the
electronic
certificate payer; otherwise, no response or feedback will be given to the
information of the
electronic certificate payer;
[0125] The payment information delivery module: used to deliver the first
payer information to
the Funds-Management server after receiving the notification delivered by the
issuing
terminal that has delivered the issuing request to the Funds-Management
server;
14

[0126] The second change request module: set to deliver Funds-Management
server to
change the payment request, receive feedback of Funds-Management server.
Further,
the second change request module further forwards the feedback information to
the
issuing terminal.
[0127] The device for providing the electronic certificate provided by the
above example
belongs to the same concept as the method example for opening the electronic
certificate. For the specific implementation process, refer to the method
example for
details. The technical features in the method examples are the same as those
in the
device example corresponding to the applicable to the implementation of the
device,
not repeat here.
[0128] Therefore, in the device for opening the electronic certificate of the
present
invention, the person who changes the electronic certificate may be raised at
any
time during the process of opening the electronic certificate without the need
to
resubmit the electronic certificate. On the one hand, the payment through the
electronic certificate reduces the transaction risk; on the other hand, it
increases the
flexibility and efficiency of opening an electronic certificate.
[0129] A person of skill in the art considers the problems disclosed herein
and sought to be
solved by the present disclosure to be exclusively computer problems and
contemplates only solutions to those problems that include essential computer
elements. Abstract ideas, mere schemes, plans, rules, or mental processes that
do not
include computer elements are expressly excluded from this application.
[0130] A person of skill in the art will understand that the realization of
all or part of the
steps of the method described above may be controlled by a program to control
the
associated hardware completion, which may be stored in a computer-readable
storage medium. The storage medium may be ROM / RAM, a magnetic disk, an
optical disk, etc.
[0131] It is to be understood that the above is only a preferred example of
the present
invention and is not intended to limit the scope of the invention as a matter
of
limitation, either by way of equivalent construction or equivalent process
transformation using the present specification and the accompanying drawings,
directly or indirectly used in other related technical fields, which are
included in the
scope of the patent protection of the present invention.
[0132] By adopting the method, device and system for opening the electronic
certificate
provided by the present invention, an electronic certificate with a committed
Date Recue/Date Received 2020-07-14

payment function can be opened, which reduces the transaction risk between the

buyer and the seller, and allowed to open the electronic certificate process
at any
time to change the request of the electronic certificate payer, without having
to
re-submit the request to open electronic certificate, to improve the
flexibility and
efficiency of opening electronic certificate. Therefore, it has industrial
applicability.
16
Date Recue/Date Received 2020-07-14

Representative Drawing