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] The present invention relates to the field of network payment
technology, and in particular,
to a method and a device 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, system
and device 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, including the following steps:
[0006] The issuing terminal delivers the issuing request to the Funds-
Management server, where
the issuing request includes the issuing amount information;
[0007] The Funds-Management server starts to open the electronic certificate
according to the
issuing request;
[0008] During the issuing process, the issuing terminal delivers a request for
changing the issuing
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amount to the Funds-Management server, where the request for changing the
issuing
amount includes the changed issuing amount information;
[0009] When the Funds-Management server agrees to change the issuing amount,
verify the
changed issuing amount;
[0010] After the verification is passed, the Funds-Management server may open
an electronic
certificate after the funds or credit amount equal to the changed opening
amount in the
payment account of the Funds-Management server is frozen.
[0011] The present invention also proposes a method for opening an electronic
certificate applied
to a Funds-Management server, including the following steps:
[0012] The electronic certificate issuance is started according to the issuing
request delivered by
the issuing terminal, where the issuing request includes the issuing amount
information;
[0013] During the process of issuing a certificate, a request of changing a
card issuing amount
delivered by an issuing terminal is received, wherein the request for changing
the card
issuing amount includes the changed card issuing amount information;
[0014] When agreeing to change the amount of the issuing bank, the issuing
amount is verified
after the change is made;
[0015] When the verification is passed, the freezing of the payment account
with the altered
amount of the opening of the amount of credit or credit to open an electronic
certificate.
[0016] The present invention also proposes another method for opening
electronic certificate
applied to the issuing terminal, including the following steps:
[0017] Deliver a Funds-Management server issuing a request, the issuing
request includes the
issuing amount of information;
[0018] During the issuing process, delivers a request for changing the issuing
amount to the
Funds-Management server, where the request for changing the issuing amount
includes the
changed issuing amount information.
[0019] The present invention also provides a system for opening electronic
certificate, including
issuing terminal and Funds-Management server, wherein:
[0020] The issuing terminal is used to deliver an issuing request to the Funds-
Management server,
where the issuing request includes the issuing amount information. During the
issuance
process, a change issuance amount request is delivered to the Funds-Management
server,
the change issuance amount request includes the changed opening amount
information;
[0021] The Funds-Management server is used to open an electronic certificate
according to the
issuing request. When receiving the request for changing the issuing amount,
when the user
agrees to change the issuing amount, the changed issuing certificate after the
verification is
passed, the electronic certificate is frozen after the funds in the payment
account equal to
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the changed issuing amount or the credit limit are opened.
[0022] The present invention also proposes a device applied to Funds-
Management server to open
an electronic certificate, including:
[0023] The first card issuing module is used to start the electronic
certificate opening according to
the issuing request delivered by the issuing terminal, where the issuing
request includes the
issuing amount information;
[0024] The change module is used to receive a change card amount request in
the process of
issuing a certificate, where the change card amount request includes the
changed card
amount information, and when the card amount is agreed to be changed, deliver
the
changed issuing amount information to a verification module;
[0025] A verification module is used to verify the changed issuing amount;
[0026] The second issuing module is used to open an electronic certificate
after the verification is
passed, the funds in the payment account that is equal to the changed opening
card amount
or the credit limit are frozen.
[0027] The present invention also proposes another device for opening
electronic certificate
applied to the issuing terminal, including:
[0028] A card issuing request module is used to deliver a Funds-Management
server a certificate
request, the card issuing request includes the card amount information;
[0029] The change request module is used to deliver a request for changing the
issuing amount to
the Funds-Management server, where the request for changing the issuing amount
includes
the changed issuing amount information.
The beneficial effect of the invention
Beneficial effect
[0030] By adopting the method, system and device for opening the electronic
certificate provided
by the present invention, an electronic certificate with a committed payment
function can
be opened to reduce the transaction risk and allow the electronic certificate
to be opened
during the process of opening the electronic certificate. At any time proposed
to change the
issuing amount of the request, without having to re-submit the request to open
electronic
certificate, to improve the flexibility and efficiency of opened 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;
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[0033] Figure 3 is a flow chart of a second example of the method for opening
an electronic
certificate according to the present invention;
[0034] Figure 4 is a flow chart of the third example of the method of opening
an electronic
certificate of the present invention;
[0035] Figure 5 is a schematic block diagram of an example of the system for
opening an
electronic certificate of the present invention;
[0036] Figure 6 is a schematic block diagram of a first example of the device
for opening an
electronic certificate of the present invention;
[0037] Figure 7 is a schematic block diagram of a second example of an
electronic certificate
opening device of the present invention;
[0038] Figure 8 is a schematic block diagram of a third example of a device
for opening an
electronic certificate according to the present invention.
[0039] 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
[0040] It is to be understood that the specific examples described herein are
merely illustrative of
the invention but not intended to limit the invention.
[0041] 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.
[0042] 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 lines 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.
[0043] In the example of the present invention, the issuer (usually the buyer)
is the entity applying
for the establishment of the electronic certificate to the fund management
institution, which
may be a natural person, a legal person or other organization, and the issuer
is the terminal
held by the issuer.
[0044] In this example of the present invention, opening an electronic
certificate is actually a
Funds-Management server registering the frozen funds under the issuer's
account.
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[0045] 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:
[0046] 1. After the transaction body forms an order, the issuer (such as the
buyer) applies for
issuing the certificate to the issuing institution (i.e, the fund management
institution that
opens an 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.)
[0047] 2. After the issuing agency accepts, open electronic certificate and
freeze the corresponding
amount of funds or credit line.
[0048] 3. The recipient (such as the seller) apply to the receiving authority
(such as the receiving
bank) for a certificate.
[0049] 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).
[0050] 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.
[0051] 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.
[0052] 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.
[0053] 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.
[0054] 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.
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[0055] In the following, the opening procedure of the electronic certificate
will be described in
detail through specific examples.
[0056] Please refer to Figure 1 and Figure 2, a first example of a method for
opening an electronic
certificate according to the present invention is proposed. The method
includes the
following steps: [0057] Si!: An issuing terminal delivers an issuing request
to a
Funds-Management server.
[0058] The issuing request includes at least the issuing amount information,
and may also include
payment account information, i.e, the account used to provide the guarantee
when the
electronic certificate is opened.
[0059] In some examples, the payment account information may also be provided
by a third party.
That is, the issuing party requests the third party as an electronic
certificate payment user,
and the third party provides payment account information to the Funds-
Management
server.
[0060] S12, Funds-Management server begins to open the electronic certificate
according to the
issuing request.
[0061] Specifically, the Funds-Management server verifies the information such
as the payment
account, the identity of the payer and the amount of the issuing certificate,
and opens the
electronic certificate when the verification is successful, and does not open
the electronic
certificate if the verification fails.
[0062] S13, the issuing terminal delivers a request for changing the issuing
amount to the
Funds-Management server.
[0063] During the issuing process, the issuing terminal may at any time make a
request to the
Funds-Management server to change the issuing amount, which includes the
changed
issuing amount information.
[0064] In S14, the Funds-Management server receives the request for changing
the issuing
amount. When it is agreed to change the issuing amount, step S15 is executed;
otherwise,
the process ends.
[0065] After receiving the request for changing the issuing amount, the Funds-
Management server
first checks whether the request for changing the issuing amount meets the
conditions, such
as including time conditions (such as whether the electronic certificate was
successfully
opened) or other prohibited conditions and so on. When the approval is passed,
it is agreed
to change the issuing amount, stop the original issuing process, and may give
feedback to
the issuing terminal about the change of the issuing amount. When the audit
fails, refuse to
change the issuing amount, and feedback to the issuing terminal to refuse to
change the
opening amount; At this point, if the audit did not pass because the
electronic certificate
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has been opened, then notify the issuing terminal; if the reason for the
failure of the audit is
not consistent with other prohibited conditions, then continue the original
issuing process
or ask the issuing party to continue the original issuing process.
[0066] S15, Funds-Management server validates the change of the issuing
amount. After the
verification is passed, step S16 is executed, otherwise, the flow is ended.
[0067] Specifically, the Funds-Management server verifies whether the changed
issuing amount is
less than or equal to the fund balance or the credit limit of the payment
account; when the
amount of the change is less than or equal to the balance of the balance of
the fund or the
credit line of the payment account, the verification is passed; otherwise, the
verification is
failed. When the verification fails, you can notify the opening terminal and
ask whether the
opening terminal will continue the original opening process.
[0068] S16, Funds-Management server freezes the payment account with the
change of the issuing
amount of money or credit amount to open an electronic certificate.
[0069] Specifically, when the identity of the payer, the payment account, the
changed issuing
amount of money and other information are verified, the Funds-Management
server freezes
the money or the credit amount equal to the changed issuing amount in the
payment
account and opens an electronic certificate. After the completion of
electronic certificate,
the Funds-Management server can also notify the issuing terminal of electronic
certificate
to be completed.
[0070] Please refer to Figure 3, 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:
[0071] S21, starting the electronic certificate opening according to the
issuing request delivered by
the issuing terminal.
[0072] The issuing request includes at least the issuing amount information,
and may also include
payment account information, i.e, the account used to provide the guarantee
when the
electronic certificate is opened. In some examples, the payment account
information may
also be provided by a third party as an electronic certificate payment user,
and the third
party provides payment account information to the Funds-Management server.
[0073] After receiving the issuing request, the Funds-Management server
verifies the information
such as the payment account, the identity of the payer and the amount of the
issuing
certificate, and opens the electronic certificate when the verification is
successful, and does
not open the electronic certificate if the verification fails.
[0074] S22, receive the issuing terminal to change the issuing amount of the
request to determine
whether to agree to change the issuing amount. When it is agreed to change the
issuing
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amount, step S23 is executed; otherwise, the process ends.
[0075] During the issuing process, the issuing terminal may at any time make a
request to the
Funds-Management server to change the issuing amount, which includes the
changed
issuing amount information.
[0076] After receiving the request for changing the issuing amount, the Funds-
Management server
first checks whether the request for changing the issuing amount meets the
conditions, such
as including time conditions (such as whether the electronic certificate was
successfully
opened) or other prohibited conditions and so on. When the approval is passed,
it is agreed
to change the issuing amount, stop the original issuing process, and may give
feedback to
the issuing terminal about the change of the issuing amount. When the audit
fails, refuse to
change the issuing amount, and feedback to the issuing terminal to refuse to
change the
opening amount; At this point, if the audit did not pass because the
electronic certificate
has been opened, then notify the issuing terminal; if the reason for the
failure of the audit is
not consistent with other prohibited conditions, then continue the original
issuing process
or ask the issuing party to continue the original issuing process.
[0077] S23, to verify the change of the issuing amount. After the verification
is passed, step S16 is
executed, otherwise, the flow is ended.
[0078] Specifically, the Funds-Management server verifies whether the changed
issuing amount is
less than or equal to the fund balance or the credit limit of the payment
account; when the
amount of the change is less than or equal to the balance of the balance of
the fund or the
credit line of the payment account, the verification is passed; otherwise, the
verification is
failed. When the verification fails, you can notify the opening terminal and
ask whether the
opening terminal will continue the original opening process.
[0079] S24, freezes the payment account with the change of the issuing amount
of money or credit
amount to open an electronic certificate.
[0080] Specifically, when the identity of the payer, the payment account, the
changed issuing
amount of money and other information are verified, the Funds-Management
server freezes
the money or the credit amount equal to the changed issuing amount in the
payment
account and opens an electronic certificate. After the completion of
electronic certificate,
the Funds-Management server can also notify the issuing terminal of electronic
certificate
to be completed.
[0081] S25, the status of the updated electronic certificate is issued.
[0082] In some examples, step S25 may also be omitted.
[0083] In the foregoing example, only a change in the amount of the opening is
made. In fact, in
the process of opening the certificate, the amount of the opening of the
certificate can be
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changed two times or even many times before the certificate is successfully
opened. For
example, before step S16 or S24, the issuing terminal may also request the
Funds-Management server to make a second change to the issuing amount, and
before the
successful opening of the electronic certificate, you can make a third change,
and so on.
[0084] Please refer to Figure 4, a third example of the method for opening an
electronic certificate
according to the present invention is proposed, and the method in this example
is applied to
an issuing terminal. The method includes the following steps:
[0085] S31: Deliver a certificate issuing request to the Funds-Management
server.
[0086] The issuing terminal may deliver the issuing request to the Funds-
Management server
through the web page or the application.
[0087] The issuing request includes at least the issuing amount information,
and may also include
payment account information, i.e, the account used to provide the guarantee
when the
electronic certificate is opened.
[0088] In some examples, the payment account information may also be provided
by a third party.
That is, the issuing party requests the third party as an electronic
certificate payment user,
and the third party provides payment account information to the Funds-
Management
server.
[0089] S32. In the process of issuing a certificate, deliver a request for
changing the issuing
amount to the Funds-Management server.
[0090] During the issuing process, the issuing terminal may at any time make a
request to the
Funds-Management server to change the issuing amount, which includes the
changed
issuing amount information. After delivering the change request, it receives
the feedback
delivered by the Funds-Management server and can make feedback to the
Funds-Management server according to the feedback information, such as
continuing or
terminating the original issuing process.
[0091] Thus, the method for opening an electronic certificate of the present
invention may at any
time propose to the fund management institution to change the issuing amount
of an
electronic certificate during the process of opening an electronic certificate
without having
to re-submit the 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.
[0092] Please refer to Figure 5, an example of a system for opening an
electronic certificate
according to the present invention is proposed, where the system includes an
issuing
terminal and a Funds-Management server, where:
[0093] The issuing terminal is used to deliver an issuing request to the Funds-
Management server,
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where the issuing request includes the issuing amount information. During the
issuance
process, a change issuance amount request is delivered to the Funds-Management
server,
the change issuance amount request includes the changed opening amount
information.
[0094] The Funds-Management server is used to open an electronic certificate
according to the
issuing request. When receiving the request for changing the issuing amount,
when the user
agrees to change the issuing amount, the changed issuing certificate after the
verification is
passed, the electronic certificate is frozen after the funds in the payment
account equal to
the changed issuing amount or the credit limit are opened.
[0095] The system 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.
[0096] Figure 6, 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:
[0097] The first card issuing module is used to receive the issuing request
delivered by the issuing
terminal, and to start the electronic certificate opening according to the
issuing request.
[0098] The issuing request includes at least the issuing amount information,
and may also include
payment account information, i.e, the account used to provide the guarantee
when the
electronic certificate is opened. In some examples, the payment account
information may
also be provided by a third party. That is, the issuing party requests the
third party as an
electronic certificate payment user, and the third party provides payment
account
information to the receiving module.
[0099] The change module is used to receive a change card amount request in
the process of
issuing a certificate, where the change card amount request includes the
changed card
amount information, and when the card amount is agreed to be changed, deliver
the
changed issuing amount information to a verification module.
[0100] A verification module is used to verify the changed issuing amount.
[0101] The second issuing module is used to open an electronic certificate
after the verification is
passed, and the funds in the payment account that is equal to the changed
opening card
amount or the credit limit are frozen.
[0102] Specifically, the verification module verifies whether the changed
issuing amount is less
than or equal to the fund balance or the credit limit balance of the payment
account; when
the amount of the change is less than or equal to the balance of the balance
of the fund or
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the credit line of the payment account, the verification is passed; otherwise,
the verification
is failed.
[0103] When the identity of the payer, the payment account, the changed
issuing amount of money
and other information are verified, the second issuing module blocks the
amount of money
or credit line equal to the changed issuing amount in the payment account and
opens
electronic certificate. After the electronic certificate is opened, the second
issuing module
can also notify the issuing terminal of the completion of the electronic
certificate.
[0104] Figure 7 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
certificate after updating the state of electronic certificate has been
opened.
[0105] Figure 8, 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
foregoing
issuing terminal. The device includes a card issuing and requesting module and
a change
request module, wherein:
[0106] Issuing request module: set to deliver Funds-Management server issuing
request.
[0107] The issuing request includes at least the issuing amount information,
and may also include
payment account information, i.e, the account used to provide the guarantee
when the
electronic certificate is opened. In some examples, the payment account
information may
also be provided by a third party as an electronic certificate payment user,
and the third
party provides payment account information to the Funds-Management server.
[0108] The change request module is used to deliver a request for changing the
issuing amount to
the Funds-Management server, where the request for changing the issuing amount
includes
the changed issuing amount information. After delivering the change request,
it receives
the feedback delivered by the Funds-Management server and can make feedback to
the
Funds-Management server according to the feedback information, such as
continuing or
terminating the original issuing process.
[0109] 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.
[0110] Therefore, the device for opening the electronic certificate of the
present invention may
propose to change the issuing amount at any time during the process of opening
the
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electronic certificate without the need to re-submit the 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.
[0111] A person of skill in the art understands 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.
[01121 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 transfolination 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.
[0113] By adopting the method, system and device for opening the electronic
certificate provided
by the present invention, an electronic certificate with a committed payment
function can
be opened to reduce the transaction risk and allow the electronic certificate
to be opened
during the process of opening the electronic certificate. At any time proposed
to change the
issuing amount of the request, without having to re-submit the request to open
electronic
certificate, to improve the flexibility and efficiency of opened electronic
certificate.
Therefore, it has industrial applicability.
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