Note : Les descriptions sont présentées dans la langue officielle dans laquelle elles ont été soumises.
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PCT/CN2015/084654
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, system and 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 with the aim of reducing the transaction
risk.
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, the payer's
identity
information and the payment account information;
[0007] The Funds-Management server verifies the issuing request according to
the issuing amount
information, the payer's identity information and the payment account
information;
[0008] When the issuing request passes the verification, the Funds-Management
server opens an
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electronic certificate;
[0009] When the issuing request fails the verification, the Funds-Management
server refuses to
open an electronic certificate.
[0010] The present invention also proposes a method for opening an electronic
certificate applied
to a Funds-Management server, including the following steps:
[0011] Receiving the issuing request delivered by the issuing terminal, the
issuing request
including the issuing amount information, the payer identity information and
payment
account information;
[0012] Verifying the issuing request according to the issuing amount
information, payer
identification information and payment account information;
[0013] When the issuing request passes the verification, open the electronic
certificate;
[0014] When the issuing request fails to pass the verification, it refuses to
open the electronic
certificate.
[0015] The present invention also provides a system for opening electronic
certificate, including
issuing terminal and Funds-Management server, wherein:
[0016] The issuing terminal is used to deliver an issuing request to the Funds-
Management server,
where the issuing request includes opening amount information, payer identity
information,
and payment account information;
[0017] The Funds-Management server is used to verify the issuing request
according to the issuing
amount information, payer identification information and payment account
information;
and when the issuing request passes the verification, the Funds-Management
server opens
an electronic certificate; when the issuing request fails the verification,
the
Funds-Management server refuses to open an electronic certificate.
[0018] The present invention also proposes a device applied to Funds-
Management server to open
an electronic certificate, including:
[0019] A receiving module is used to receive a card issuing request delivered
by an issuing
terminal, wherein the card issuing request includes card opening amount
information,
payer identity information and payment account information;
[0020] A card issuing module is used to verify the issuing request according
to the issuing amount
information, payer identification information and payment account information;
open the
electronic certificate when the issuing request passes the verification; when
the issuing
request fails to pass the verification, it refuses to open the electronic
certificate.
The beneficial effect of the invention
Beneficial effect
[0021] The present invention provides a method, system and device for opening
an electronic
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certificate. On the one hand, the payment through the electronic certificate
reduces the
transaction risk. On the other hand, according to the issuing amount
information, the
identity information of the payer and payment account information, the issuing
request is
strictly verified, it greatly reduces the risk of electronic certificate
opening, and controls the
transaction risk from the source, which further reduces the transaction risk.
A brief description of the drawings
Brief Description
[0022] Figure 1 is a flow chart of a first example of a method for opening an
electronic certificate
according to the present invention;
[0023] Figure 2 is an interactive diagram of the main body when opening the
electronic certificate
in the example of the present invention;
[0024] Figure 3 is a flow chart of the Funds-Management server verification
issuing request
according to an example of the present invention;
[0025] Figure 4 is a flow chart of another example of Funds-Management server
issuing request
according to an example of the present invention;
[0026] Figure 5 is a flow chart of a second example of the method for opening
an electronic
certificate according to the present invention;
[0027] Figure 6 is a schematic block diagram of an example of an electronic
certificate opening
system of the present invention;
[0028] Figure 7 is a schematic block diagram of a first example of the device
for opening an
electronic certificate of the present invention;
[0029] Figure 8 is a schematic block diagram of a second example of the device
for opening an
electronic certificate according to the present invention.
[0030] 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
[0031] It is to be understood that the specific examples described herein are
merely illustrative of
the invention but not intended to limit the invention.
[0032] 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.
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[0033] 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.
[0034] 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.
[0035] 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.
[0036] 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:
[0037] 1. After the transaction body to form 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.)
[0038] 2. After the issuing agency accepts, open electronic certificate and
freeze the corresponding
amount of funds or credit line.
[0039] 3. The recipient (such as the seller) applies to the receiving
authority (such as the receiving
bank) for a certificate.
[0040] 4. After the certification body to verify the information to be
certified, 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).
[0041] 5. After receiving the certificate of compliance, the electronic
certificate to obtain
compliance information, change the status of the Bank Credit Certificate,
electronic
certificate into the receipt period, waiting for the delivery of commodity,
and receive the
commodity.
[0042] 6. When the issuer to sign the commodity, that is the after receiving
the transaction
conditions of electronic certificate according to the payment terms of
electronic certificate,
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the receiving issuing apply to the issuing agency for payment.
[0043] 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.
[0044] 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.
[0045] 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.
[0046] In the following, the opening procedure of the electronic certificate
will be described in
detail through specific examples.
[0047] Please refer to Figure 1 and Figure 2, a first example of the method
for opening an
electronic certificate of the present invention is proposed, and the method
includes the
following steps:
[0048] S11, the issuing terminal delivers the issuing request to the Funds-
Management server.
[0049] The issuing request includes the issuing amount information, the
payer's identity
information and the payment account information, which is the account used to
provide the
guarantee when the electronic certificate is opened. Generally, the issuer is
the payer;
alternatively, the payer may also be a third party, i.e., the issuing requests
the third party as
the electronic certificate payer. In this case, the payer information and the
payment account
information may also be provided by the third party to the Funds- Provided by
Management server.
[0050] S12, Funds-Management server verifies the issuing request according to
the issuing
amount information, the payer identity information and the payment account
information.
When the verification is passed, step S13 is executed; if the verification
fails, step S14 is
executed.
[0051] The Funds-Management server process of verifying the issuing request
will be explained in
detail later.
[0052] S13, Funds-Management server open electronic certificate.
[0053] When the issuing request passes the verification, the Funds-Management
server will freeze
the funds or credit amount equal to the issuing amount in the payment account
and open an
electronic certificate. After opening the electronic certificate, it can also
notify the issuing
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terminal of the electronic certificate opened.
[0054] SI4, Funds-Management server refuse to open electronic certificate.
[0055] When the issuing request fails the verification, the Funds-Management
server refuses to
open the electronic certificate and generates a return message to the issuing
terminal to
return the issuing application for issuing the certificate.
[0056] In step S12, the Funds-Management server verifies a specific process of
issuing a request
as shown in Figure 3, and includes the following steps:
[0057] S101, Funds-Management server verifies payer identity information and
payment account
information. When the verification is successful, step S102 is executed; if
the verification
fails, step S104 is executed.
[0058] Specifically, Funds-Management server verifies that the identity
information of the payer is
consistent with the payment account information, and whether the payment
account is valid
and valid, etc. When the identity information of the payment user matches the
payment
account information and the payment account is valid, the verification
succeeds, otherwise,
the verification fails.
[0059] S102, verifying the issuing amount, determining whether the issuing
amount is less than or
equal to the balance of the fund of the payment account or the balance of the
credit limit.
When the opening amount is less than or equal to the balance of the fund of
the payment
account or the balance of the credit limit, step S103 is executed; when the
opening amount
is greater than the balance of the fund of the payment account or the balance
of the credit
limit, step S104 is executed.
[0060] S103, determining that the issuing request passes the verification.
[0061] S104, determining whether the issuing request has not passed the
verification.
[0062] The order of steps S101 and S102 is not limited, and in some examples,
step S102 may be
performed first and then step S101.
[0063] Preferably, the Funds-Management server verifies the specific flow of
the issuing request
as shown in Figure 4, and includes the following steps:
[0064] S201, Funds-Management server verifies payer identity information and
payment account
information. When the verification is successful, step S202 is executed; if
verification fails,
step S205 is executed.
[0065] Specifically, Funds-Management server verifies that the identity
information of the payer is
consistent with the payment account information, and whether the payment
account is valid
and valid, etc. When the identity information of the payment user matches the
payment
account information and the payment account is valid, the verification
succeeds, otherwise,
the verification fails.
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[0066] S202, verifying the issuing amount, determining whether the issuing
amount is less than or
equal to the balance of the fund of the payment account or the balance of the
credit limit.
When the opening amount is less than or equal to the balance of the fund of
the payment
account or the balance of the credit limit, step S203 is executed; when the
opening amount
is greater than the balance of the fund of the payment account or the balance
of the credit
limit, step S205 is executed.
[0067] S203, verify the issuer and / or the payer to determine whether the
issuer and / or payer
complies with the prohibition requirement. When the prohibition rule is not
met, step S204
is executed; and when the prohibition rule is met, step S205 is executed.
[0068] When the issuer is the payer, it is only necessary to verify whether
the payer complies with
the prohibition requirement on the basis of the payer identity information.
[0069] When the issuer and the payer are two subjects (i.e., the payer is a
third party), only one of
the issuer or the payer may be verified for compliance with the prohibition
requirement or
whether both the issuer and the payer are in conformity with the prohibitive
provisions.
[0070] The prohibitory provision includes: when the issuer or/or the payer's
credit rating is lower
than a certain extent, it will not be issued when the issuer and/or the payer
has certain
attributes, etc.
[0071] S204, determining that the issuing request passes the verification.
[0072] S205, determining whether the issuing request has not passed the
verification.
[0073] The order of steps S201-S203 is not limited, and in some examples, the
order of the three
steps may be arbitrarily combined.
[0074] Please refer to Figure 5, 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:
[0075] S21, receiving the issuing request delivered by the issuing terminal.
[0076] The issuing request includes the issuing amount information, the
payer's identity
information and the payment account information, which is the account used to
provide the
guarantee when the electronic certificate is opened. Generally, the issuer is
the payer.
Alternatively, the payer may also be a third party, that is, the issuer
requests the third party
as an electronic certificate payer. In this case, the payer information and
payment account
information may also be delivered by a third party to the Funds -Management
server.
[0077] S22, verifies the issuing request according to the issuing amount
information, the payer's
identity information and the payment account information. When the
verification is passed,
step S23 is executed; when the verification fails, step S25 is performed.
[0078] Funds-Management server verifies the detailed process of issuing
requests as shown in
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Figure 3 and Figure 4.
[0079] S23, opening an electronic certificate.
[0080] When the issuing request through the verification, Funds-Management
server is frozen in
the payment account with the issuing amount of money or credit, and open an
electronic
certificate. After opening the electronic certificate, it can also notify the
issuing terminal of
the electronic certificate opened.
[0081] S24, the status of the updated electronic certificate is issued.
[0082] After the electronic certificate is opened, the status of the
electronic certificate is updated.
[0083] In some examples, step S24 may also be omitted.
[0084] S25, refusing to open an electronic certificate.
[0085] When the issuing request fails the verification, the Funds-Management
server refuses to
open the electronic certificate and generates a return message to the issuing
terminal to
notify the issuing terminal of the opening of the electronic certificate.
Therefore, the
method for opening an electronic certificate of the present invention. On the
one hand, the
payment through the electronic certificate reduces the transaction risk. On
the other hand,
according to the issuing amount information, the identity information of the
payer and
payment account information, the issuing request is strictly verified, it
greatly reduces the
risk of electronic certificate opening, and controls the transaction risk from
the source,
which further reduces the transaction risk.
[0086] Please refer to Figure 6, 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:
[0087] The issuing terminal is used to deliver an issuing request to the Funds-
Management server,
where the issuing request includes opening amount information, payer identity
information,
and payment account information.
[0088] Funds-Management server is set to verify the issuing request according
to the issuing
amount information, payer identification information and payment account
information;
open the electronic certificate when the issuing request passes the
verification; when the
issuing request fails to pass the verification, it refuses to open the
electronic certificate.
[0089] Specifically, the Funds-Management server first verifies the payer's
identity information
and payment account information; when the verification fails, it determines
that the issuing
request has not passed the verification; when the verification succeeds, it
judges whether
the issuing amount is less than or equal to the payment account when the
opening amount
is less than or equal to the balance of funds or credit balance of the payment
account, it is
determined that the issuing request passes the verification; otherwise, it is
determined that
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the issuing request has not passed the verification.
[0090] Preferably, the Funds-Management server first verifies payer identity
information and
payment account information; when the verification fails, it is determined
that the issuing
request has not passed the verification; when the verification succeeds, it is
further judged
whether the issuing amount is less than or equal to the payment account of the
balance of
funds or credit balance, and the issuer and / or the payer complies with the
prohibition;
when the opening amount is less than or equal to the balance of the payment
account
balance or credit limit and the payer does not meet the prohibition, it is
determined that the
issuing request passes the verification; otherwise, it is determined that the
certification
request has not been verified.
[0091] 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.
[0092] Please refer to Figure 7, a first example of a device for opening an
electronic certificate
according to the present invention is proposed. The device is applied to the
foregoing
Funds-Management server, and includes a receiving module, a verification
module, and a
card issuing module, where:
[0093] Receiving module: it is set to receive the issuing request delivered by
the issuing terminal.
[0094] The issuing request includes the issuing amount information, the
payer's identity
information and the payment account information, which is the account used to
provide the
guarantee when the electronic certificate is opened. Generally, the issuer is
the payer.
Alternatively, the payer may also be a third party, that is, the issuer
requests the third party
as an electronic certificate payer. In this case, the payer information and
payment account
information may also be delivered by a third party to the receiver module.
[0095] The verification module is used to verify the issuing request according
to the issuing
amount information, the payer identity information and the payment account
information.
[0096] The opening of the module: it is set to open when the issuing request
through the
verification, open electronic certificate; refused to open electronic
certificate when the
issuance of the request failed.
[0097] Specifically, the verification module first verifies the payer's
identity information and
payment account information; when the verification fails, it determines that
the issuing
request has not passed the verification; when the verification is successful,
it judges
whether the issuing amount is less than or equal to the funds of the payment
account
balance or credit line balance; when the opening amount is less than or equal
to the balance
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of fund balance or credit line of the payment account, it is determined that
the issuing
request passes the verification; otherwise, it is determined that the issuing
request has not
passed the verification.
[0098] Preferably, the opening verification module first verifies payer
identity information and
payment account information; when the verification fails, it is determined
that the issuing
request has not passed the verification; when the verification succeeds, it is
further judged
whether the issuing amount is less than or equal to the payment account of the
balance of
funds or credit balance, and the issuer and / or the payer complies with the
prohibition;
when the opening amount is less than or equal to the balance of the payment
account
balance or credit limit and the payer does not meet the prohibition, it is
determined that the
issuing request passes the verification; otherwise, it is determined that the
certification
request has not been verified.
[0099] Figure 8 is a second example of a device for opening an electronic
certificate according to
the present invention. The device in this example is also applied to the
foregoing
Funds-Management server. The difference between this example and the first
example is
that an additional one update module, the update module is set to open the
electronic
certificate after updating the state of electronic certificate has been
opened.
[0100] 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.
[0101] Therefore, the device for opening the electronic certificate of the
present invention, on the
one hand, the payment through the electronic certificate reduces the
transaction risk. On
the other hand, according to the issuing amount information, the identity
information of the
payer and payment account information, the issuing request is strictly
verified, it greatly
reduces the risk of electronic certificate opening, and controls the
transaction risk from the
source, which further reduces the transaction risk.
[0102] 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.
[0103] 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
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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
[0104] The present invention provides a method, system and device for opening
an electronic
certificate. On the one hand, the payment through the electronic certificate
reduces the
transaction risk. On the other hand, according to the issuing amount
information, the
identity information of the payer and payment account information, the issuing
request is
strictly verified, it greatly reduces the risk of electronic certificate
opening, and controls the
transaction risk from the source, which further reduces the transaction risk.
Therefore, it
has industrial applicability.
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