Note: Descriptions are shown in the official language in which they were submitted.
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Method, Device, And System For Withdrawing Electronic Certificate
Application
Technical Field
[0001] The present invention relates to the field of network payment
technology, and in particular,
to a method, a device and a system for withdrawing an electronic certificate
application.
Background Technology
[0002] 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.
However, in the
current E-commerce applications, the transfer of funds mainly depends on the
traditional
way of electronic direct transfer payment and third-party payment, with a
single payment
method.
Technical problem
[0003] The main object of the present invention is to provide a withdrawal
method, device and
system for electronic certificate application, aiming to provide a Funds-
Management server
to the applicant after prompting can be opened, the applicant still has the
opportunity to
determine whether the need to withdraw. The method of issuing a request for
certification
improves the user experience of the electronic certificate in the application
process.
Problem solving solution
Technical solutions
[0004] In order to achieve the above objective, the present invention provides
a withdrawal
method for an electronic certificate application applicable to a Funds-
Management server,
including:
[0005] Receiving an application for opening electronic certificate submitted
by the requesting
terminal, determine whether the opening of the electronic certificate
corresponding to the
applicant application meets the issuing conditions;
[0006] If yes, then the application can be provided with a prompt message;
[0007] If the Funds-Management server receives a request for withdrawing an
electronic
certificate application submitted by the application terminal;
[0008] The opening process of the electronic certificate is terminated.
[0009] According to another aspect of the present invention, it is provided a
method for
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withdrawing an electronic certificate application, which is applicable to an
application
terminal, including:
[0010] Submit Funds-Management server electronic certificate request;
[0011] Receiving the opening indication information of the Funds-Management
server feedback;
[0012] Submit a request for withdrawal of electronic certificate request to
Funds-Management
server.
[0013] According to another aspect of the present invention, it is provided a
system for
withdrawing an electronic certificate application, including: an application
server and a
Funds-Management server, wherein,
[0014] The application terminal is used to submit an electronic certificate
request to the
Funds-Management server; receive the issuing prompt information fed back by
the
Funds-Management server; and submit a request for withdrawing the electronic
certificate
to the Funds-Management server application;
[0015] The Funds-Management server is used to receive a request for opening an
electronic
certificate submitted by an applicant, and determine whether an applicant
corresponding to
the request for opening an electronic certificate meets a requirement for
issuing a card; if
yes, then the applicant can be fed back issuing certificate prompt
information; and if it
receives a request for withdrawing the application for opening an electronic
certificate
submitted by the applicant terminal, terminating the process of opening the
electronic
certificate.
[0016] According to another aspect of the present invention, it is provided a
withdrawal
application of an electronic certificate application applicable to a Funds-
Management
server, including:
[0017] A first receiving module is used to receive the request for opening
electronic certificate
submitted by the applicant;
[0018] A first judging module is used to judge whether the application
terminal corresponding to
the request for opening the electronic certificate meets the issuing
conditions;
[0019] The first feedback module is used to feed back the issuing certificate
prompting
information to the application terminal when the issuing conditions are met;
[0020] The termination module is used to terminate the process of opening the
electronic
certificate after receiving a request for withdrawing the application for
opening the
electronic certificate.
The beneficial effect of the invention
Beneficial effect
[0021] After the Funds-Management server prompts the applicant to open a
certificate, the
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applicant still has a chance to determine whether it needs to withdraw the
request for the
method of issuing certificate to improve the electronic certificate in the
application process
of user experience.
A brief description of the drawings
Brief Description
[0022] Figure 1 is a flow chart of a method for withdrawing an electronic
certificate application
according to the first example of the present invention;
[0023] Figure 2 is a flow chart of a method for withdrawing an electronic
certificate application
according to Example two of the present invention;
[0024] Figure 3 is a schematic view of the withdrawal system of an electronic
certificate
application provided by the third example of the present invention;
[0025] Figure 4 is a fourth example of the present invention provides an
electronic certificate
application withdrawing device structure.
[0026] 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
[0027] It is to be understood that the specific examples described herein are
merely illustrative of
the invention but not intended to limit the invention.
[0028] At present, the electronic certificate is a new type of network payment
method, compared
with the traditional network payment methods, it greatly reducing the
transaction risk,
protect the interests of buyers and sellers. The buyer applies for funds
management account
with its account funds or credit limit as a security deposit, and the fund
management
institution promises to process the payment and settlement of electronic
credit certificates
according to the terms of the settlement. The payment method is based on the
fund
management institution credit commitment to pay a basic tool for Internet
innovation,
mainly aim at the buyer's commodity, the seller downloads the access interface
of the
cashier. The buyer completes the opening of electronic certificate, the seller
completes the
receipt, performs the contract, delivers the solution, and finally
automatically releases the
electronic credit certificate. The payment method cannot only be purchased
with the
commodity, but can also be used for collateral.
[0029] In the basic process of electronic certificate, in the process of
issuing to the bank, it is
necessary to fill in more information, such as the identity information of the
issuer, the
account information used to freeze the funds, the opening amount, etc. In some
cases, it
also need to fill in the credit card information, payment mode and other
information, fill in
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the information, the user complete the information to the bank to complete the
issuing.
However, the client cannot withdraw the application after submitting the
application.
[0030] In the example of the present invention, an electronic certificate is a
payment certificate of
funds that the funds management institution, based on the applicant's
application, froze the
applicant's funds or credit limit and opened in the name of the bank and
promised to settle
in accordance with the agreed conditions electronic credit commitment. The
electronic
certificate may be a buyer's commodity. The seller downloads the check-in
interface, and
the buyer completes the issuance of the electronic certificate. The seller
completes the
receipt and performance and submits the payment. The electronic certificate
expires
automatically. The electronic certificate can be purchased not only for buying
commodity,
but also be used for mortgage guarantees. A fund management institution is an
institution
that can support capital flows, including but not limited to banks and other
financial
institutions (such as securities institutions). Correspondingly, Funds-
Management server
includes a bank server or other financial institution server; funds management
account
includes a bank loan account or an account of another financial institution.
[0031] The process of an online payment transaction through an electronic
certificate is generally
as follows: After the buyer and the seller form an order, the buyer applies to
a first
Funds-Management server (a server of issuing funds management institution)
through an
application (issuing terminal) issuing. Of course, the buyer can also take the
initiative to
apply for a license without a transaction order. After the Funds-Management
server accepts
the application, it opens an electronic certificate according to the issuing
application and
freezes the funds or credit line of the buyer's account for the corresponding
amount. After
the seller confirms the order, he / she applies to the second Funds-Management
server (the
server of the funds management institution) via the seller (receiving
terminal), and the
second Funds-Management server verifies the information and receives the
certificate.
Electronic certificate into compliance period, waiting for the seller to
deliver commodity or
provide services. After the seller fulfils the contract during the performance
period, the
second Funds-Management server submits the fulfilment information (such as
logistics
number), the second Funds-Management server changes the status of the
electronic
certificate, and the electronic certificate enters the period of receipt and
waits for the buyer
to sign for the commodity. When the buyer signs the commodity within the
period of
receipt, that is to say, the seller completes the corresponding transaction
conditions
according to the settlement conditions of the electronic certificate, and the
electronic
certificate enters the settlement period. The seller applies for the second
Funds-Management server to apply for the settlement to the Funds-Management
server
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within the time limit for applying for settlement, and after the Funds-
Management server
determines that the conditions for the settlement have been reached, the funds
or credit of
the frozen amount of the buyer's account is released The funds will be
transferred to the
second Funds-Management server, and the funds will be transferred by the
second
Funds-Management server into the seller's designated receiving account (i.e.,
the collecting
account). At this point, the completion of online payment, the entire
transaction is
completed.
[0032] In this example of the present invention, the requesting terminal
delivers an application for
establishing an electronic certificate to the Funds-Management server, and may
be a
terminal operated by a natural person, a legal person or his organization. The
issuer (buyer)
applies the terminal to the Funds-Management server to open an electronic
certificate, and
the Funds-Management server has frozen the corresponding fund (or credit
limit) of the
issuer account to open the electronic certificate.
[0033] Example 1
[0034] Figure 1 is a flow chart of a method for withdrawing an electronic
certificate application
applicable to a Funds-Management server according to this example. The method
includes:
[0035] S11, receiving a request for opening an electronic certificate
submitted by an applicant;
[0036] S12, judging whether the application terminal corresponding to the
request for opening an
electronic certificate meets the issuing conditions;
[0037] In step S12, the request for opening the electronic certificate
includes, but is not limited to,
bank account information of the applicant, account funds of the applicant,
identity
information submitted by the applicant, credit limit and guarantee conditions.
In some
examples, firstly, it is verified whether the identity information and the
bank account
information submitted by the application terminal meet the preset requirements
of the
Funds-Management server, whether the bank account information submitted by the
application terminal is legal and valid, and it is determined that the
application terminal
submits of the account funds or credit limit or bank account information
submitted by the
applicant to obtain the account funds or credit limit is greater than the
Funds-Management
server preset opening amount, etc., if the above conditions for the issuance
of a preset
condition, then it meet the issuing conditions; otherwise, proceeding to step
S16: feeding
back an error prompt message to the application terminal.
[0038] In this example, the Funds-Management server is specifically a server
of an issuing bank.
After the issuing bank prompts the issuer's terminal for issuing the
certificate through the
server, the issuer still has the opportunity to determine whether to withdraw
the opening
request method and improve the user experience of electronic certificate in
the application
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process.
[0039] In this example, whether bank account information and account funds on
the application
terminal are greater than the preset opening amount of the Funds-Management
server is a
prerequisite in the issuing conditions.
[0040] S13, if yes, feeding back issuing prompting information to the
application terminal;
[0041] In step S13, after the application submits the request for establishing
the electronic
certificate, the Funds-Management server feeds back the issuing certificate
prompting
information to the application when the application complies with the issuing
conditions,
but in order to prevent the application from submitting the certificate. For
example, if the
amount is incorrectly filled, or if another payment method is found after
submitting the
issuing request and it want to withdraw the application for issuing the
requisition,
Funds-Management server will deliver the application again to confirm whether
the
application terminal operates according to the issuing prompt information.
After the
Funds-Management server provides a prompt to the application terminal for
issuance of the
certificate, the application terminal still has a chance to determine whether
the card issuing
request needs to be withdrawn method to improve the electronic certificate in
the
application process of user experience.
[0042] S14. If the Funds-Management server receives a request for withdrawal
of an electronic
certificate application submitted by the application terminal;
[0043] S15, terminate the opening process of the electronic certificate.
[0044] In this example, after the step S14 and before step S15, the method
further includes:
[0045] read the withdraw request for opening electronic certificate
application, the withdraw
request for opening electronic certificate application includes the reason for
the
withdrawal;
[0046] To determine whether the reason for the withdrawal Funds-Management
server default list
of reasons for the withdrawal, if not, then dismissed the request to open
electronic
certificate application;
[0047] If yes, then agree to withdraw the request for the application of
electronic certificate,
terminate the process of opening the electronic certificate.
[0048] Example 2
[0049] As shown in Figure 2, the method for withdrawing an electronic
certificate application
applicable to an application terminal according to this example includes:
[0050] S21, submit an electronic certificate request to the Funds-Management
server;
[0051] The request for opening the electronic certificate includes: bank
account information of the
requesting terminal, account funds of the requesting terminal, identity
information
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submitted by the requesting terminal, a credit limit and a guarantee
condition. Specifically,
first, identity information submitted by the requesting terminal and whether
the bank
account information meets the preset requirements of the Funds-Management
server,
whether the bank account information of the application terminal is legal and
valid,
whether the account funds or the credit limit of the application terminal are
greater than the
preset opening amount of the Funds-Management server, etc. If the above
conditions are
met, it is in line with the issuing conditions, otherwise, feedback to the
application terminal
error message.
[0052] S22, receiving the issuing prompt information fed back by the Funds-
Management server;
[0053] After the application terminal submits the request for opening the
electronic certificate, the
Funds-Management server may deliver a certificate of issuing certificate to
the application
terminal when the application terminal meets the issuing conditions, but in
order to prevent
the application terminal from submitting the issuing request. For example, if
the amount is
incorrectly filled in, or after submitting the issuing request, finding
another payment
method and wanting to withdraw the application for issuing the certificate,
the
Funds-Management server will confirm the request again with the applicant
whether the
application terminal operates according to the issuing prompt information.
[0054] S23, Submit an application for withdrawing the electronic certificate
request to
Funds-Management server;
[0055] If the Funds-Management server receives a request for withdrawing an
application for
opening an electronic certificate submitted by the applicant, the process of
opening the
electronic certificate is terminated, and in this step, a Funds-Management
server provides
the application after the terminal prompts to open a permit, the applicant
still has a chance
to determine whether to withdraw the request for issuance and improve the user
experience
of the electronic certificate in the application process.
[0056] Example 3
[0057] As shown in Figure 3, the withdrawal system of the electronic
certificate application in this
example includes: an application terminal and a Funds-Management server,
[0058] The application terminal is used to submit an electronic certificate
request to the
Funds-Management server; receive the issuing prompt information fed back by
the
Funds-Management server; and submit a request for withdrawing the electronic
certificate
to the Funds-Management server application;
[0059] The Funds-Management server is used to receive a request for opening an
electronic
certificate submitted by an applicant, and determine whether an applicant
corresponding to
the request for opening an electronic certificate meets a requirement for
issuing a card; if
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yes, then the applicant can be fed back issuing certificate prompt
information; and if it
receives a request for withdrawing the application for opening an electronic
certificate
submitted by the applicant terminal, terminating the process of opening the
electronic
certificate.
[0060] Example 4
[0061] As shown in Figure 4, this example is applicable to a withdrawal device
for an electronic
certificate application of a Funds-Management server, which includes:
[0062] A first receiving module is used to receive the request for opening
electronic certificate
submitted by the applicant;
[0063] A first judging module is used to judge whether the application
terminal corresponding to
the request for opening the electronic certificate meets the issuing
conditions;
[0064] The first feedback module is used to feed back the issuing certificate
prompting
information to the application terminal when the issuing conditions are met;
[0065] The termination module is used to terminate the process of opening the
electronic
certificate if a request for withdrawing the application for opening the
electronic certificate
is received.
[0066] Wherein the judging module includes
[0067] first judging unit is used to judge whether the identity information
and the bank account
information submitted by the application terminal meet the preset requirements
of the
Funds-Management server;
[0068] The second judgement unit is used to judge whether the account funds or
the credit limit of
the application terminal is greater than the sum of the identity information
and the bank
account information submitted by the application terminal when the information
submitted
by the application terminal satisfies the preset requirement of the Funds-
Management
server Funds-Management server. If not, it is determined that the application
does not meet
the conditions for issuing the card, and if it is, then it is determined that
the application
complies with the conditions for issuing the card.
[0069] Wherein the second feedback module is further set to feed back the
error prompt
information to the application terminal when the application terminal does not
meet the
issuing conditions.
[0070] In this example, the withdrawing device further includes a second
receiving module used to
receive the withdrawal electronic file submitted by the requester when the
applicant selects
not to operate according to the issuing prompt information certificate
application request.
[0071] In this example, the withdrawing device further includes a second
determining module,
which is used to read the request for withdrawing the application for opening
the electronic
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certificate, and the request for withdrawing the application for opening the
electronic
certificate includes the reason for the withdrawal; and determining whether
the withdrawal
reason is not found in the withdrawal reason list preset by the Funds-
Management server,
the request for withdrawing the application for opening the electronic
certificate is rejected;
if the request is rejected, the application for withdrawing the application
for electronic
certificate is terminated and the termination The opening of electronic
certificate.
[0072] The system and device for providing an electronic certificate provided
by the above
example belongs to the same concept as the method example for opening an
electronic
certificate. For the specific implementation process, refer to the method
example for
details. The technical characteristics of the method are applicable in the
system
implementation cases.
[0073] It will be understood by the ordinary skill in the field 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.
[0074] 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.
Industrial utility
[0075] After the Funds-Management server prompts the applicant to open a
certificate, the
applicant still has a chance to determine whether it needs to withdraw the
request for the
method of issuing certificate to improve the electronic certificate in the
application process
of user experience. Therefore, it has industrial applicability.
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