Note: Descriptions are shown in the official language in which they were submitted.
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Method, System And Device For Opening Electronic Certificate
Technical Field
[0001] This application relates to the field of electronic commerce, and more
particularly to a
method, system and device for opening an electronic certificate.
[0002]
[0003] Background Technology
[0004] E-commerce using the Internet platform to connect the parties involved
in traditional
business activities (buyers, sellers, logistics companies, financial
institutions, etc.), the
whole transaction process is networked, electronically and informational, thus
reducing the
cost of the transaction and improving the efficiency of the transaction.
[0005] However, in the current E-commerce applications, the transfer of funds
mainly depends on
the traditional electronic direct transfer payment and third-party payment,
with a single
payment method. According to different transaction scenarios, buyers have poor
experience
in using the process, which cannot meet the growing demand of electronic
commerce in
modern society.
[0006] Moreover, with the development of E-commerce, tradable items, as well
as various
situations in the transaction process are more and more complex. The current
relatively
simple and single payment method cannot well protect the rights and interests
of buyers.
The rights and interests of buyers cannot be protected, which is not conducive
to the
healthy development of E-commerce industry.
[0007] In general, the current comparatively simple payment method cannot be
configured
according to different trading environment or different transaction settlement
conditions,
the experience of the buyer is not good enough to meet the business needs of
the modern
society.
[0008]
[0009] Summary of the Invention
[0010] The object of the present application is to provide a new improved
electronic certificate
opening method, system and device.
[0011] In order to achieve the above purpose, the present application adopts
the following
technical solutions:
[0012] The present application discloses a method of opening an electronic
certificate, including
the following steps:
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[0013] The First Participant submitted the issuing request to the electronic
certificate management
server, and in the issuing request, the fund account is specified, and the
issuing amount is
put forward; the electronic certificate management server generates the
preliminary
opening information and delivers it to the First Participant according to the
issuing request:
First Participant receives the issuing information and sets the payment
conditions. The
electronic certificate management server generates an electronic certificate
according to the
payment conditions set by First Participant and the issuing amount of funds in
the issuing
request, and generates an electronic certificate. Deliver the electronic
certificate to First
Participant.
[0014] The present application also discloses another method of opening an
electronic certificate,
including the following steps:
[0015] The electronic certificate management server receives the First
Participant's issuing request
and generates prepaid issuing information according to the issuing request and
delivers it to
the First Participant. The First Participant sets the settlement condition
after receiving the
issuing information; the electronic certificate management server determines,
according to
First Participant set the conditions for the issuance of bills and the
issuance of the request
to freeze the amount of funds or credit support, generate electronic
certificate, and deliver
the electronic certificate to First Participant.
[0016] Preferably, in the above two methods, before the electronic certificate
management server
generates the preparatory issuing information according to the issuing
request, the
electronic certificate management server further determines whether the
issuing request
meets the requirements for issuing a certificate, and if not, rejects the
application. Then end
the issuing; according to the conformity, the preparation information is
generated.
[0017] Preferably, the electronic certificate management server determines
whether the issuing
request meets the issuing requirements, including but not limited to First
Participant's
identity and / or verification of the designated funds account.
[0018] The present application also discloses another method of opening an
electronic certificate,
including the following steps:
[0019] The First Participant submitted the issuing request to the electronic
certificate management
server, in the issuing request, the fund account is specified, the opening
amount is
presented and the payment conditions are set; the electronic certificate
management server
determines whether the issuing request meets the requirements for issuing the
certificate,
and the application is rejected, and the issuance of the certificate will be
terminated. If the
agreement is met, the electronic certificate will be generated and the
electronic certificate
will be delivered to First Participant according to the conditions of payment
and the
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amount of the card issuance or the credit issuance.
[0020] Preferably, the electronic certificate management server determines
whether the issuing
request meets the issuing requirements, including but not limited to First
Participant's
identity and / or verification of the designated funds account.
[0021] It should be noted that the key point of the present application is
that the issuer can set the
payment conditions according to their own preferences or different consumption
environments. As for the specific payment conditions, they can be put forward
in the
issuing request or in the open after the certificate request is made, it is
set before the
electronic certificate is generated; it can be flexibly handled without
specific limitation
herein.
[0022] It should also be noted that, First Participant submits the certificate
issuing request to the
electronic certificate management server by using various means of
communication, such
as a voice call, a text message, a webpage or a smartphone application APP,
which is not
limited herein. In a preferred system of the present application, the First
Participant
submits an issuance request to an electronic certificate management server
through a
commission requesting terminal, where the commission requesting terminal can
be a web
page or a smart phone application APP, which is not specific herein limited.
[0023] Another aspect of the present application discloses a system for
opening an electronic
certificate; the system includes an issuing requesting terminal and an
electronic certificate
managing server. The issuing requesting terminal is used to collect the
issuing request
information of the First Participant. The certificate request information is
transmitted to the
electronic certificate management server, where the certificate issuance
information
includes but is not limited to at least one of First Participant's identity
information. First
Participant's contact information, a designated fund account, an issuing
amount and a
settlement condition; an electronic certificate management server which
comprises an
issuer information management module, an issuance request judging module, an
electronic
certificate generating module and a solution payment module; the issuer
information
management module receives and stores the information of the issuing
commission
terminal and transmits the information to the issuance request judging module;
the request
judgement module gives an instruction allowing the issuing or rejection by
judging the
issuing request, and the rejected instruction is directly fed back to the
issuing requesting
terminal, allowing the First Participant to re-fill the issuing request
information or directly
end issuing and the instructions are allowed to be delivered to the electronic
certificate
generation module; generates an electronic certificate according to the data
in the issuer
information management module, and delivers the electronic certificate of the
electronic
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certificate to First Participant, and stores the solution payment condition to
the solution to
pay the module, the solution to pay the module in the case of the settlement
of the payment
of funds to pay the case, or ineffective electronic certificate if the payment
conditions are
not reached
[0024] Preferably, the electronic certificate opening system further includes
a requesting terminal,
and the requesting terminal is used to collect the recipient information, the
performance
information and the receipt information, and transmit the recipient
information, the
compliance information and the receipt information to the requesting entity
solution
payment module, the settlement module determine the receiving information, the
performance information and the receipt information according to the payment
conditions,
and the payment will be paid according to the conditions, and the acceptance
request will
be rejected if it does not meet the requirements, the rejected information is
delivered to the
requesting terminal, which allows the reissuing to fill in the information of
the issuer,
perform the information and sign the information, or reject the receipt
directly, and the
electronic certificate fails.
[0025] Wherein, the credit collector information, the performance information
and the receipt
information transmission may be transmitted separately in different periods,
for example,
in the payment settlement conditions, a collection period, a performance
period and a
deadline for applying for settlement are set, and each period is controlled.
If the electronic
certificate fails to be overdue, the recipient of the certificate will fill in
the relevant
information when completing the corresponding action respectively. Only when
the
information is correct can the recipient enter the next information entry. It
needs to be
explained that the issuer may be able to fill in a mistake by filling in the
information of the
receiving issuer, the performance information and the signing of information,
therefore, if
the content is not in conformity with the conditions of payment, it can be
rejected and the
collector should be refilled. However, if the time limit or number limit is
set in the
settlement conditions, the certificate collector cannot continue to re-fill,
the payment
module or directly frozen or invalid electronic certificate, even if there is
no evidence of
overdue receipt, the receiver may not be able to log in the requesting request
interface
module, which can be limited according to the specific use needs, so there is
no specific
restriction.
[0026] Another aspect of the present application discloses a device for
opening an electronic
certificate, including a card issuing and collection request module and an
electronic
certificate management server; wherein the card issuing and collection request
module is
used for collecting the issuing certification information or the certificate
issuing request
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information and the card issuing and receiving request module also includes a
signal
modulating module for modulating the issuing request information or the
receiving request
information into a transmission signal and then delivering the signal to the
electronic
certificate management server. The issuing request information includes, but
not limited to,
First Participant identity information, First Participant contact information,
designated fund
account and settlement conditions; the certificate collection request
information includes
but is not limited to at least one of the certificate collector information,
the performance
information and the receipt information; the electronic certificate management
server
includes at least one of: A signal demodulation module, an issuer information
management
module, an issuance request determination module, an electronic certificate
generation
module and a solution payment module; the signal demodulation module
demodulates the
signal received from the issuing and receipt request module into a certificate
issuance
request information or certificate request information, and instructions
electronic certificate
management server for issuing processing or collection processing; issuing
processing, the
issuing request information is stored to the issuer information management
module, at the
same time the issuing information is transmitted to the issuing request
judging module; the
information is transmitted to the solution payment module; the issuing request
judgement
module gives an instruction allowing the issuing or rejection by judging the
issuing
request, and the rejected instruction is directly fed back to the issuing and
receipt request
module so that the First Participant is re-opened. Electronic certificate
generating module
receives the generating instruction and generates an electronic certificate
according to the
data in the issuer information management module and delivers the electronic
certificate to
the electronic certificate generating module; First Participant, at the same
time, the
settlement payment condition is stored in the settlement module; the
settlement module
judges the receipt request information according to the settlement conditions,
and meets the
conditions to pay the funds, disqualifies the receipt request and delivers the
rejection
message to the issuing and receipt request module, so that the receiving
person to re-fill
receipt request information, or the end the income certificate, electronic
certificate invalid.
[0027] The present application also discloses another device for opening an
electronic certificate,
including an electronic certificate management server. The electronic
certificate
management server includes a signal demodulation module, an issuer information
management module, an issuance request determination module, an electronic
certificate
generation module reconciliation payment module; signal demodulation module
will
receive the issuing request information or receipt request information
demodulation
electronic certificate management server can identify the language, and
instructs the
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electronic certificate management server for issuing processing or collection
processing; in
processing, the issuing request information is stored in the issuer
information management
module, and at the same time, the issuing information is transmitted to the
issuing request
determining module; the receiving processing includes transmitting the
obtaining
information to the solution releasing module; after the issuance of the
request to determine
the permit to open or refuse to give instructions to refuse the direct
feedback to First
Participant, First Participant re-fill the issuing request information, or
directly to the end of
the permit to permit the issuance of instructions to the electronic
certificate generate
module; The permitting generating module receives the generating instruction,
generates an
electronic certificate according to the data in the issuer information
management module,
and delivers the electronic certificate to the issuer, and stores the solution
payment
conditions in the solution payment module; the solution payment module
determines the
receipt request information according to the settlement conditions, and meets
the
conditions to pay the funds. If the conditions are not met, the acceptance
request is rejected
and the rejection information is fed back to the certificate collector, so
that the certificate
collector can fill in the receipt request information again, or ends the
collection, electronic
certificate fails.
[0028] As a result of the above technical solutions, the beneficial effects of
the present application
are:
[0029] The method of opening the electronic certificate of the present
application, First Participant
can customize the payment terms, not only have better use experience; and pay
a custom
solution conditions can better protect the rights and interests of the
applicant, better enjoy
the personal customized service, improve the user consumption experience at
the same
time, also enrich the modern E-commerce payment form.
[0030]
[0031] Brief Description
[0032] Figure 1 is a flowchart of a method for opening an electronic
certificate in an example of
the present application;
[0033] Figure 2 is a flow chart of another method for opening an electronic
certificate according to
an example of the present application;
[0034] Figure 3 is a block diagram of the electronic certificate system in the
example of the
present application;
[0035] Figure 4 is a block diagram of a device for opening an electronic
certificate in an example
of the present application.
[0036]
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[0037] Description of the Preferred Examples
[0038] The opening method of the electronic certificate of the present
application, the key is that
the issuer can set according to their own preferences and different trading
environment
solution conditions; where the issuer can be a buyer, that is, open electronic
certificate can
be in the transaction occurred or after the transaction occurred; it can also
be in the
transaction before the issuer under the plan to set the transaction settlement
conditions.
[0039] In addition, the decision of the issuing request, in addition to
determining the authenticity
of the issuer, but also includes the issuer's right to control the designated
funds account
judgements, such as the identity of the issuer can ID card, cell phone number,
such as a
comprehensive decision . The judgement of the control over the designated
funds account
may be made through the mobile phone number reserved by the funds account and
verification of the dynamic verification code, which is not limited herein. In
addition, for
the issuer and the recipient, it can also based on the issuer or the recipient
of the basic
information, docking with the bank credit system, the issuer or the credit
card for the level
of rating, which is not subject to specific restrictions.
[0040] In this application, the mentioned electronic certificate is a kind of
electronic certificate
used for fund payment, which is based on the core principles of international
letters of
credit, a collection of bank notes, bonds, bank acceptance bills, electronic
letters of credit
and many other financial commodity advantages, combined with Internet
technology in
one, it completely adapted and meet the needs of the Internet economy era of
new financial
instruments, with cross-platform, cross-bank, all-field, full scene
application of the wide
range of applicability. Specifically, an electronic certificate refers to an
issuer, such as a
buyer, who opens a bank account with its bank account or credit limit as a
guarantee. The
credit limit includes a credit limit or a loan limit, and the bank commits to
settle the
payment according to the terms of payment certificate of electronic credit
commitment. It
is a kind of internet innovative basic financial instrument paid by bank
credit commitment.
Electronic certificate is mainly the commodity for the buyer, the seller
downloads the
cashier access interface, the buyer to complete the electronic certificate
issuing, the seller
to complete the collection and performance, apply for solution, and the
payment terms of
electronic certificate will be automatically unpaid. Electronic certificate
not only can be
purchased with the commodity, but also be used for mortgage guarantee, for
example, an
individual can issue an electronic certificate to the bank, as a guarantee to
loan to others.
[0041] It can be understood that the electronic certificate is a payment
certificate of a certificate
issued by the issuer according to the issuing applicant's funds or credit as a
reserve and
bearing the credit of the issuing bank in digitized form for storage and
change electronic
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credit commitment.
[0042] It should be noted that, in this application, the First Participant is
the issuer, and when the
electronic certificate management server determines whether the issuing
request meets the
issuing requirements, the issuing requirements may be set according to
different situations,
for example, the judgement is on whether the identity of the issuer is true,
whether the
issuer's designated fund account is correct, whether the amount in the fund
account or
whether the support credit can satisfy the issuing amount, etc., which is not
specifically
limited herein. If it does not meet the requirements of the opening, i.e. the
identity of the
issuer is doubtful, or the specified capital account is not correct, or the
sum of funds in the
fund account is insufficient, then the opening of the certificate is opened,
or it is returned to
First Participant to make it amended.
[0043] It should also be noted that the key of this application is that the
First Participant, that is,
the issuer, may set the conditions of payment according to his / her
preference or different
transaction conditions, for example, setting a period for collecting a
license, the term of the
contract, and the deadline for applying for payment. And may set an overdue
penalty
according to the specific circumstances, for example, the failure of an
electronic certificate
or be punished proportionately. The specific settlement conditions are set
according to the
actual situation of the issuer and are not subject to any specific
restrictions.
[0044] The whole opening and using process of the electronic certificate is
taken as an example
after the transaction parties form the order. The electronic certificate is
divided into 6
cycles, including the opening period, the acceptance period, the fulfilment
period, the
signing period, the payment period and the liquidation period.
[0045] Specifically as follows:
[0046] 1. After forming an order between the two parties, the First
Participant, that is, the issuer,
submits the issuing request to the issuing bank. It should be noted that the
issuing bank
here may be an electronic certificate management server or a traditional
entity bank. If the
issuing bank is an electronic certificate management server, in a system of
the present
application, the issuer may communicate with the electronic certificate
management server
by issuing a request terminal, and the electronic certificate management
server may
communicate with the electronic certificate management server. Proceed to open
the card.
[0047] 2. After the issuing bank accepts the application, it shall open an
electronic certificate and
record the amount of electronic certificate in the issuer's capital account
for corresponding
reservation. The processing of reservations here is generally understood as
the freezing of
funds or credit. The most common form of credit is credit card or loan. It
should be noted
that there are two types of frozen credit in the department: one is from the
time the credit is
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frozen, the bank begins to calculate interest, that is, the issuer using a
credit card limit: the
other is from the receiver to receive the amount corresponding to the credit
line, the bank
began to calculate interest, that is, from the issuer to freeze the credit to
the receipt line to
the funding period, that the issuer "the credit line given by the bank is not
called." The
above is the opening date.
[0048] 3. The receiving bank applies for a certificate from the receiving
bank. That is, the
collection period. It should be noted that, here, the receiving bank may also
be an
electronic certificate management server or a traditional entity bank that can
operate or
communicate with the electronic certificate management server to perform a
certificate
collection operation. The receiving bank is an electronic certificate
management server. In
a system of the present application, a credit collector can communicate with
an electronic
certificate management server via a requesting terminal and perform a card
receiving
operation. It can be understood that the issuing bank and the issuing bank can
be the same
bank or different banks, so long as they can respectively communicate with the
electronic
certificate management server for confirmation of issuing and collection of
permits.
[0049] 4. After the receiving bank verifies the information is correct, it
will be accepted and the
electronic certificate will enter the compliance period.
[0050] 5. The collector performs the performance during the performance period
and delivers the
performance information to the collecting bank. If the merchant delivers the
commodity, it
can be considered as performing and the performance information can be the
logistics
number of the delivery.
[0051] 6. The collection bank obtains the performance information, changes the
state of the silver
letter, electronic certificate enters the signing period, waiting for the
delivery of the goods,
signing the goods, that is, the signing period.
[0052] 7. During the signing period, the issuing party signs the commodity,
that is, when the
collector completes the trading conditions corresponding to electronic
certificate according
to the conditions of electronic certificate, the entrusted bank apply for the
payment to the
issuing bank, that is the solution period.
[0053] 8. The issuing bank determines that the condition of the settlement has
been reached, and
the funds of the open account will be frozen. The funds will be transferred to
the collecting
bank. The collecting bank will transfer the funds to the designated receivable
account, and
the collecting account is also called the account of receivables, that is, the
liquidation
period.
[0054] After the electronic certificate was opened, there are three time
periods recorded in the
electronic certificate, it is used to control the transaction process,
respectively, for the
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recipient's collection period, the performance deadline and the deadline to
apply for
payment, overdue for the corresponding action, the electronic certificate is
invalid.
[0055] The collection period is the deadline for the recipient to apply for
collection, if the
certificates are not received within the time limit, the electronic
certificate will be
invalidated. After receiving the certificate, the electronic certificate will
enter into the
compliance period.
[0056] Performance period: the time limit for the issuer to submit the
information of the
performance, such as the time limit for submitting the delivery information,
and the failure
of electronic certificate when the overdue is not submitted. After the
recipient submits the
compliance information, the electronic certificate enters the receipt period.
[0057] Apply for payment of the deadline: the deadline for the application is
actually the receipt of
sign-off period, because the application for the issuance of the commodity
need to sign the
commodity, and then the recipient to submit sign-off information to apply for
payment,
overdue to apply for information to pay the issuer to sign the commodity of
the sign-off
information, the electronic certificate is invalid. After receiving the
certificate, the
electronic certificate will enter the payment period.
[0058] The above is an example of the use of an electronic certificate. In
addition, it can also use
the electronic certificate to purchase services. When buying services, such as
hotel trade
scenario, the hotel room reservation is successful, the hotel has carried on
the performance,
the performance information is the content of the information which has
successful
reservation, close to pay collector's application solution when customers
check in, which is
not listed here.
[0059] Of course, in addition to purchasing a commodity or service, an
electronic certificate can
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.
[0060]
[0061] Example 1
[0062] This example provides a detailed description of the method for opening
electronic
certificate, as shown in Figure 1, as follows:
[0063] Step one S11: First Participant, that is, the issuer, such as the
buyer, submits the issuing
request to the electronic certificate management server and specifies the fund
account in
the issuing request and submits the issuing amount.
[0064] Step two S12: The electronic certificate management server receives the
opening request.
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[0065] Step Three S13: The electronic certificate management server determines
whether the
issuing request meets the issuing requirements, and if not, rejects the
application and ends
the issuing; if so, the electronic certificate management server invokes the
data in the
buyer's account to obtain funds or credit information to determine whether the
quota is
sufficient, If sufficient, the implementation of step S141, on the contrary,
the feedback
result to the issuer, reset the issuing request, or end the issuing flow S140.
[0066] Specifically, the electronic certificate management server needs to
verify the issuer's
account number or identity. The verification at this place may have the
following
situations: the first verification situation refers to whether the issuer has
the account
opening information at the issuing bank, and the second verification situation
refers to
whether the issuing applicant is valid or not. That is, the real name
verification does not
require the issuer to have issue account in the issuing bank. The third
verification is
whether the applicant has bad credit record, whether it is a white list user
or a blacklist
user? When specific verification, it including the issuer's identity and
account verification,
through mobile phone dynamic code realization.
[0067] Wherein, to determine whether the issuing request meets the
requirements, including but
not limited to the applicant identity judgement, capital account designated
funds account
amount meets the issuing amount of judgement, it can be understood that the
issuance can
only be carried out if the above judgements are all true or true. In addition,
for some
special cases, more issuing requirements may be set, which is not limited
herein.
[0068] In addition, It can be understood that it can also designate the
recipient and verify whether
the identity of the recipient meets the requirements of the collection. The
criteria are:
whether the credit rating of the recipient is objective or not, and whether
the collection
bank has the certificate business and so on.
[0069] Of course, it can be understood that the department does not
necessarily have to invoke the
issuer's account information for comparison, and it can also invoke another
person's
account to open a card. It should also be understood that the balance of fund
balances here
is whether the total amount available in the account meets the issuing amount,
for example,
the funds in the account are insufficient or the credit limit is not
sufficient, the letter of
credit cannot be issued.
[0070] Step Four S141: The electronic certificate management server generates
the preliminary
opening information and delivers it to the First Participant according to the
issuing request.
It is understandable that the issuing information mentioned here may include
information
such as the issuing amount, the issuing account number and so on.
[0071] Step Five S15: When the issuer receives the information of the
preparatory opening,
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according to his own preferences or specific transaction requirements, it can
configure the
conditions of electronic certificate's solution, such as the time rule of the
configuration, the
specific delivery conditions and so on.
[0072] Step Six S16: The electronic certificate management server receives the
payment
conditions of the issuer's configuration, and combines the payment condition
information
to freeze debit card funds or credit card, generates electronic certificate,
and delivers the
electronic certificate to the First Participant, that is, the issuer.
[0073] It should be noted that it can also increase the request issuer to
confirm whether the
issuing, such as the request to enter the withdrawal password and so on. As
another
implementation manner, the procedure for configuring the solution conditions
of the
electronic certificate in the system may be configured in the issuer client at
the same time,
and easily conceivable. The step of configuring the solution payment
conditions may also
be followed by the issuer issuing request in line with the requirements of the
issuing steps.
In other words, it can flexibly set the location of the allocation of payment
conditions. It
only needs to ensure that the allocation of payment conditions can be
completed before
leave electronic certificate.
[0074] It is conceivable that after completing the process of issuing the
electronic certificate, the
electronic certificate can be successfully opened to the issuer, and the
issuer receives the
information that the electronic certificate has been opened so as to know the
status of the
electronic certificate.
[0075] When the issuer opens an electronic certificate, it sets the conditions
for payment, which
will be conducive to the realization of customized requirements. At the same
time. it can
also promote the seller to provide better and timely delivery of commodity or
services. For
example, the user set the electronic certificate's acceptance time, the time
limit for
performance and the time to apply for payment, which urges the seller to
timely collect
evidence, distribute commodity or provide services, thereby shortening the
waiting time of
buyers in the transaction process.
10076] By custom configuration solution conditions, it can better By
customizing the allocation of
payment conditions, the seller can better supervise the seller to complete the
delivery
according to the buyer's needs, when to collect the certificate, when to
distribute the
commodity, when to apply for the solution to pay, etc., that is, through the
custom
configuration of the solution of payment of electronic certificate to promote
the seller's
delivery schedule, the realization of a real "private engagement" also
prevents the seller
from obtaining funds when it fails to perform the transaction as required,
ensuring the
security of the buyer's funds.
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[0077] Another implementation of this example, as shown in Figure 2, the
issuer will be required
to open all the information required to fill in a one-time, that is, a step
S21, generate a
request for a certificate of issuance, fill out the First Participant identity
card, specify the
funds account, issuing amount and settlement conditions. Then, in step S22,
the electronic
certificate management server receives the issuing request. Step S23, the
electronic
certificate management server determines whether the issuing request complies
with the
issuing requirements, and if not, rejects the application, and ends the
issuing of the
certificate S240; if yes, executes step S241 and directly issues the
certificate.
[0078] It can be understood, the electronic certificate management server
determine whether the
issuing requirements meet the issuing requirements, also includes the issuer
ID
verification, verification of the designated funds account, verification of
the funds account
to meet the amount of verification, etc., it can only be opened to meet all
the requirements,
or cannot be opened.
[0079]
[0080] The implementation example two opens the system of electronic
certificate.
[0081] In this example, the system for opening the electronic certificate, as
shown in Figure 3,
comprises an issuing commission terminal 31 and an electronic certificate
managing server
32. The issuing commission terminal 31 is used to collect the issuing
certification
information and pass the issuing certification information. The network
transmits to the
electronic certificate management server 32, and the issuing request
information includes
but is not limited to at least one of First Participant's identity
information, First Participant's
contact information, designated fund account, issuing amount and settlement
conditions.
[0082] Wherein, First Participant contact information, First Participant
contact information,
designated fund account, issuing amount and settlement conditions can be
filled in one
time to the issuing request terminal, it can also determine the decision of
the module
according to the issuing request, step by step to fill in the information to
the requesting
terminal, one by one to the issuer information management module. For example,
the
issuer may first fill in the First Participant identity information, the First
Participant contact
information, the designated fund account, and the like in the issuing request
interface
module, and the issuing request judgement module determines whether or not, If
the
issuing request determination module determines that the answer is yes, then
the issuer
returns to the commission requesting terminal, fill in the correct
information, the
judgement is yes, the feedback to the commission requesting terminal, so that
the issuer
continue to fill in the issuing amount; the issuing request judgement module
to determine
the funds account designated amount or a credit meets the issuing amount, the
amount of
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feedback to meet the issuing requesting terminal to continue to fill in the
issuer paying
conditions, or let the issuer re-fill the opening amount; these can be set
according to
different needs.
[0083] The electronic certificate management server 32 in this example
includes an issuer
information management module 321, an issuing request determination module
322, an
electronic certificate generation module 323, and a solution payment module
324. The
issuer information management module 321 receives and stores the issuer
requesting
terminal 31 information and transmits the information to the issuing request
determining
module 322. Therefore, the issuing requesting terminal 31 and the issuer
information
managing module 321 of the electronic certificate managing server 32 are
signal-connected; the issuing request determining module 322 determines
whether the
issuing request after the judge gives the permit to open or refuse the
instruction, the
rejected instruction directly to the issuing requesting terminal 31, First
Participant re-fill
the issuing request information to allow issuing instructions to the
electronic certificate
generating module; electronic certificate generating module 323, after
receiving the
generating instruction, generates an electronic certificate according to the
data in the issuer
information management module and delivers the electronic certificate to the
First
Participant, and stores the solution payment condition in the solution payment
module 324.
The solution payment module 324 fails to pay the payment under the conditions
of
payment, or ineffective electronic certificate if the payment condition is not
reached.
[0084] In one implementation of this example, the issuer first fills in the
issuer requesting terminal
information of the issuer, the issuer contact information and the designated
fund account,
which can be verified by the mobile phone dynamic code, and the issuer's basic
identity
Information such as name, ID number, etc., as well as the designated funds
account
password, etc., is judged as yes, feedback to the issuing requesting terminal,
so that the
issuer continues to fill in the issuing amount, otherwise it is not, then
feedback to the
issuing commission. terminal, so that the issuer to fill in the correct
issuer's identity
information or dynamic verification code; fill in the issuing amount, the
issuing request
judgement module calls the designated funds account information, to determine
the amount
of opening the card, if the specified amount of the funds account or support
credit to meet
the issuing amount, the judgement is yes, the prepaid card information back to
the issuing
requesting terminal, so that the issuer according to personal preferences or
requirements set
the conditions for payment, or let the issuer to re-fill the issuing amount.
Understandably, if
the issuer's designated funds account is insufficient or the credit is
insufficient, of course, it
is impossible to get the opening certificate. The amount of the opening
account is less than
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or equal to the sum or the credit amount of the designated capital account, if
a certain
guarantee is required, it can also be determined after deducting the amount of
the opening
account, the amount of the capital account or the remaining amount of the
credit, and there
is no specific restriction.
[0085] After the electronic certificate is opened, the system for opening the
electronic certificate in
this example also takes into account the situation of the receipt. Therefore,
the system also
includes a requesting terminal 33, and the requesting terminal 33 is used for
collecting the
recipient information, the performance information and receives the
information of the
beneficiary, the performance and the information of the recipient, to the
settlement module
324. Therefore, the collection requesting terminal 33 and the settlement
module 324 of the
electronic certificate management server 32 are signal-connected, and the
settlement
module determine the receiving information, the performance information and
the receipt
information according to the payment conditions, and the payment will be paid
according
to the conditions. If it fails to meet the requirements, the receiving request
shall be rejected,
the rejected information is delivered to the requesting terminal, which allows
the issuer to
fill in the information of the issuer, perform the information and sign the
information, or
reject the receipt directly, and the electronic certificate fails.
[0086] In one implementation of this example, a settlement period, a
performance period and a
settlement period are set in the settlement conditions, and the collector is
required to
complete the collection, performance and receipt of the receipt information
within a
specified period. In other words, when the receiver completes the
corresponding actions
within the specified time limit, he will need to fill out a corresponding
information. For
example, after the order or contract is signed, the witness must complete the
relevant
information about the order or contract in the requesting terminal, and
collect it, the
requesting terminal delivers the related information to the solution payment
module, and
the solution payment module determines whether the information meets the
requirements
according to a preset collection period and other requirements. If the
relevant information
of the order or contract is not in accordance with the requirements, it can be
rejected, and
the collector can refill the correct information, or, if the time limit is
exceeded, the
electronic certificate shall be invalid; after delivery, the delivery
information shall be filled
in within the performance period, similarly, after paying the module to
determine the meet
the requirements to enter the next link, or the need to fill in the correct
information in
certificate or electronic failure; the applicant receives the commodity
receipt, the issuer
must also fill in the receipt of information in the pay period, otherwise
electronic certificate
fails.
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[0087]
[0088] Example three open electronic certificate device
[0089] The device for opening the electronic certificate in this example, as
shown in Figure 4,
includes a card issuing and collection request module 41 and an electronic
certificate
management server 42, wherein the card issuing and collection request module
41 is used
to collect and issue a certificate request information or receipt request
information, the
issuing and receipt request module 41 comprises a signal modulation module 43
for
modulating the issuing request information or the receipt request information
into a
transmission signal and then delivering it to the electronic certificate
management server
42; a request for issuing a certificate. The information includes, but is not
limited to, at
least one of First Participant's identity information, First Participant's
contact details,
designated funds account and settlement conditions; the certification request
information
includes but is not limited to at least one of credit card information,
performance
information and sign-up information; the electronic certificate management
server 42
includes a signal demodulation module 44, an issuer information management
module 421,
an issuing request determination module 422, an electronic certificate
generation module
423, and a solution payment module 424. The signal demodulation module 44
delivers the
received signal from the issuance and the signal of the receipt request module
41 is
demodulated into the issuing request information or the receipt request
information, and
the electronic certificate management server 42 performs a card issuing
process or a card
receiving process. When the card issuing process is performed, the card
issuing request
information is stored in the card issuer information management module 421,
and the card
issuing information is transmitted to the card issuing request determining
module 422.
Including issuing the receipt information to the solution payment module 424;
the issuing
request determining module 422 provides an instruction for permitting the
issuance or
rejection after judging the issuing request, and the rejected instruction is
directly fed back
to the issuing and receipt request module 41. The First Participant re-fills
in the issuing
request information and delivers an instruction for permit issuance to the
electronic
certificate generating module 423. After receiving the generating instruction,
the electronic
certificate generating module 423 generates an electronic certificate
according to the data
in the issuer information management module, and the electronic certificate is
delivered to
the issuer, and the solution payment condition is stored in the solution
payment module
424. The solution payment module 424 determines the receipt request
information
according to the payment settlement conditions, and meets the conditions to
pay the funds.
If the conditions are not satisfied, the certificate collection request is
rejected, and deliver
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the dismissed information to the issuing and receipt request module, so that
the electronic
certificate fails to allow the collector to provide the information for the
receipt of the
collector, or electronic certificate invalid.
[0090] In one implementation of this example, the issuer in the issuing and
receipt request module
input the issuer's identity information, contact information, the designated
funds account,
issuing amount and settlement conditions; issuance of the request to determine
the module
to open issuer identity information, the issuer contact information, the
designated funds
account, the amount of open a comprehensive assessment of judgements,
including the
issuer's name, ID number and other judgements, including the mobile phone
verification
code verification, the designated funds account password, etc., if yes, the
direct issuing of
the certificate is about to give instructions to the electronic certificate
generation module to
generate an electronic certificate, and then deliver the electronic
certificate of the electronic
certificate to the issuer; at the same time, the conditions for solution
payment are
transferred and stored in the solution payment module. Decide whether to let
the issuer to
re-fill the correct issuing request information or the correct verification
code. Among them,
a settlement period, a performance period and a settlement period are set in
the settlement
conditions, and the collector is required to complete the collection,
performance and receipt
of the collection information within a specified period. In other words, after
the recipient
completes the corresponding action within the specified time limit, a
corresponding
message needs to be filled in.
[0091] When receiving the certificate, the issuer completes the corresponding
action within the
specified time limit, it is necessary to input the corresponding information
in the issuing
and receipt request module and deliver it to the electronic certificate
management server.
The electronic certificate management server directly delivers the information
to the
solution module, if the solution module determines that the information meets
the
requirements, it will enter the next step. Otherwise, it is necessary for the
issuer to fill in
the correct information or to directly invalidate electronic certificate. For
example, after the
order or contract is signed, the recipient must complete the relevant
information of the
order or contract within the deadline of the collection of the certificate,
issue a certificate,
issue a certificate and request a certificate requesting terminal to deliver
the relevant
information to the electronic certificate management server, electronic
certificate after the
signal is demodulated by the signal demodulation module, the management server
delivers
the information directly to the solution module. The solution payment module
determines
whether the information meets the requirements according to a preset
collection period and
other requirements. If the relevant information of the order or contract is
not in accordance
17
with the requirements, it can be rejected, and the collector can refill the
correct
information, or, if the time limit is exceeded, the electronic certificate
shall be invalid; after
delivery, the delivery information shall be filled in within the performance
period,
similarly, after paying the module to determine the meet the requirements to
enter the next
link, or the need to fill in the correct information in certificate or
electronic failure; the
applicant receives the commodity receipt, the issuer must also fill in the
receipt of
information in the pay period, otherwise electronic certificate fails.
[0092] In this case, the electronic certificate management server and the
issuing and receiving
request module are used as a complete device. The issuer goes directly to the
issuing bank,
and operates through its opening and receiving request module. It can be
understood that
the electronic certificate management server in this example can be used as a
single device,
that is, it can be used alone; and the issuing and collection request module
can also be used
as a single device by the First Participant, that is, the issuer; between the
two can be a
variety of wired or wireless communication signal connection. In addition, the
issuance and
receipt of the request module is respectively provided with two functions of
issuing and
receiving. In a more subdivided use, the issuing and receipt requesting module
can also be
respectively designed as an issuing requesting module and a receiving request
modules are
respectively used as a verification requesting terminal device and a
requesting terminal
device, which are not specifically limited herein.
[0093] 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.
[0094] The foregoing is a further detailed description of the present
application in conjunction
with specific implementation manners, and it should not be considered that the
specific
implementation of the present application is limited to these descriptions.
For the general
technical personnel in the technical field of this application, a number of
simple deduction
or replacement can be made without leaving the application of the invention
and should be
considered as belonging to the protection scope of the present application.
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Date Recue/Date Received 2020-07-15
