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WO2017012060A1 - Procédé, système et dispositif d'ouverture de certificat électronique - Google Patents

Procédé, système et dispositif d'ouverture de certificat électronique Download PDF

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Publication number
WO2017012060A1
WO2017012060A1 PCT/CN2015/084657 CN2015084657W WO2017012060A1 WO 2017012060 A1 WO2017012060 A1 WO 2017012060A1 CN 2015084657 W CN2015084657 W CN 2015084657W WO 2017012060 A1 WO2017012060 A1 WO 2017012060A1
Authority
WO
WIPO (PCT)
Prior art keywords
certificate
amount
request
change
management server
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2015/084657
Other languages
English (en)
Chinese (zh)
Inventor
张毅
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shenzhen Cifpay Network Bank Technology Co Ltd
Original Assignee
Shenzhen Cifpay Network Bank Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Shenzhen Cifpay Network Bank Technology Co Ltd filed Critical Shenzhen Cifpay Network Bank Technology Co Ltd
Priority to CA2993106A priority Critical patent/CA2993106A1/fr
Priority to PCT/CN2015/084657 priority patent/WO2017012060A1/fr
Priority to CA3224059A priority patent/CA3224059A1/fr
Publication of WO2017012060A1 publication Critical patent/WO2017012060A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/045—Payment circuits using payment protocols involving tickets
    • G06Q20/0457—Payment circuits using payment protocols involving tickets the tickets being sent electronically
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Definitions

  • the present invention relates to the field of network payment technologies, and in particular, to a method and apparatus for establishing an electronic voucher.
  • Payment refers to the payment of money based on economic contracts during trading activities.
  • many banks or enterprises provide online payment services, allowing users to operate terminal devices such as computers and mobile phones to realize online payment.
  • the way of online payment provides users with great convenience.
  • most of the funds in the bank card are directly transferred to the other party's account, or transferred to a third party institution as a guarantee.
  • the main object of the present invention is to provide a method, system and apparatus for establishing an electronic voucher, aiming at reducing transaction risk and improving the flexibility and efficiency of electronic voucher standing.
  • the present invention provides a method for establishing an electronic voucher, comprising the steps of:
  • the certificate terminal sends a certificate request to the fund management server, and the certificate request includes the amount information of the certificate;
  • the fund management server starts to perform the electronic certificate according to the request for the certificate
  • the certificate terminal sends a request for the change of the amount of the certificate to the fund management server, and the request for the change of the amount of the certificate includes the amount of the amount of the certificate;
  • the fund management server when the fund management server agrees to change the amount of the certificate, verifying the changed amount of the certificate; [0010] After the verification is passed, the fund management server freezes the funds or the credit line in the payment account and the amount of the credit amount after the change, and then sets up the electronic certificate.
  • the present invention also provides a method for applying the electronic voucher to the fund management server, comprising the steps of: [0012] starting the electronic voucher based on the request for the certificate sent by the card terminal, the card certificate The request includes information on the amount of the certificate;
  • the request for the change of the amount of the certificate sent by the card is received, and the request for the change of the amount of the certificate includes the information of the amount of the certificate;
  • the electronic voucher is established after freezing the funds or the credit amount in the payment account equal to the amount of the modified defamation certificate.
  • the present invention also proposes another method for applying the electronic certificate to the certificate terminal, comprising the steps of:
  • the change certificate amount request is sent to the fund management server, and the change certificate amount request includes the changed amount of the certificate amount.
  • the present invention also proposes a system for establishing an electronic voucher, including a certificate terminal and a fund management server, wherein:
  • the certificate terminal is configured to send a certificate request to the fund management server, where the certificate request includes the amount of the certificate amount; in the process of the certificate verification, the request for the change amount of the certificate is sent to the fund management server, The change of the amount of the amount of the certificate includes the information of the amount of the certificate;
  • the money management server is configured to perform the execution of the electronic voucher according to the request for the certificate; receiving the request for the change of the amount of the certificate, and when agreeing to change the amount of the certificate, the amount of the certificate after the change After the verification is passed, the e-voucher is established after freezing the funds or the credit line in the payment account equal to the amount of the modified defamation certificate.
  • the present invention further provides an apparatus for applying an electronic voucher to a fund management server, comprising: [0023] a first authentication module, configured to initiate an electronic voucher according to a request sent by a certificate terminal In the case of the certificate, the request for the certificate includes the amount of the amount of the certificate;
  • a change module configured to receive a change certificate amount request during the verification process, the change certificate amount request includes the changed amount of the certificate amount, and when the amount of the certificate is agreed to be changed, send the station to the verification module The amount of the amount of the certificate after the change;
  • a verification module configured to verify the amount of the modified certificate
  • the second certificate module is configured to, after the verification is passed, freeze the electronic certificate in the payment account with the amount of the credit or credit line equal to the changed amount of the credit card.
  • the present invention also proposes another apparatus for applying the electronic voucher to the certificate end, comprising:
  • the certificate requesting module is configured to send a certificate request to the fund management server, where the certificate request includes the amount information of the certificate;
  • the change request module is configured to send a change certificate amount request to the fund management server during the certificate verification process, where the change certificate amount request includes the changed amount of the certificate amount.
  • the method, system and device for establishing an electronic voucher provided by the invention can establish an electronic voucher with a promised payment function, reduce the transaction risk, and allow the electronic voucher to be in the process of standing up.
  • the request to change the amount of the certificate is subsequently proposed without the need to re-submit the request for the electronic voucher, which increases the flexibility and efficiency of the electronic voucher.
  • FIG. 1 is a flow chart of a first embodiment of a method for arranging an electronic voucher according to the present invention
  • FIG. 2 is a schematic diagram of interaction of each main body of an electronic voucher in an embodiment of the present invention.
  • FIG. 3 is a flow chart of a second embodiment of a method for arranging an electronic voucher according to the present invention.
  • FIG. 4 is a flow chart of a third embodiment of a method for arranging an electronic voucher according to the present invention.
  • FIG. 5 is a block diagram of an embodiment of a system for arranging an electronic voucher according to the present invention.
  • FIG. 6 is a block diagram showing a first embodiment of an apparatus for arranging an electronic voucher according to the present invention.
  • FIG. 7 is a block diagram of a second embodiment of an apparatus for arranging an electronic voucher according to the present invention.
  • FIG. 8 is a block diagram showing a third embodiment of the apparatus for arranging an electronic voucher according to the present invention.
  • the fund management server is a server of the fund management institution, and the fund management institution refers to an organization capable of supporting capital flow, including but not limited to banks and other financial institutions (such as securities institutions, third-party payment platforms, etc.) ), that is, the fund management server includes a bank server or other financial institution server.
  • the electronic voucher refers to an electronic credit commitment payment voucher that the fund management server freezes funds according to the application of the witness and uses the credit line and stands in the name of the fund management institution, and promises to settle according to the agreed conditions. .
  • the witness (usually the buyer) is the subject of applying for the electronic certificate to the fund management institution, and may be a natural person, a legal person or other organization, and the witness is a terminal held by the witness.
  • the electronic voucher is actually the fund management server that registers the frozen funds under the account of the witness.
  • the basic business process of the electronic voucher is: The fund management institution freezes the required amount of funds according to the application of the witness, to establish an electronic voucher, and when the agreed settlement condition is reached, the fund management institution will solve the fund. Pay for payment settlement. details as follows:
  • the witness (such as the buyer) applies for a certificate to the securities institution (ie, the fund management institution of the electronic certificate, such as the bank). (Of course, the witness can apply for a certificate after forming a specific transaction order; or if the transaction order is not formed, the witness will voluntarily apply for the certificate.) [0047] 2. After the acceptance of the certificate, the electronic certificate is established. And freeze the corresponding amount of funds or credit line.
  • the recipient (such as the seller) applies to the collection agency (such as the collection bank) for the receipt.
  • the collection agency such as the collection bank
  • the electronic voucher obtains the performance information, changes the status of the bank letter, and the electronic voucher enters the signing period, waits for the delivery of the goods, and signs the goods.
  • the entrusting card issuing institution applies to the card issuing institution for settlement.
  • the defamation institution cancels the freezing of the funds of the witnesses' accounts, transfers the funds to the collection agency, and the collection agency transfers the funds to the recipient's account.
  • the electronic voucher can also be used to transfer funds.
  • the understanding of performance and receipt has also changed. That is to say, when a merchant provides a commodity or service, it may directly cause the status of the electronic voucher to flow through the performance period and the receipt period, and directly enter the settlement, such as a face-to-face transaction.
  • FIG. 1 and FIG. 2 a first embodiment of a method for arranging an electronic voucher according to the present invention is provided.
  • the method includes the following steps:
  • the Sl and the certificate end send a request for the certificate to the fund management server.
  • the claim request includes at least the amount of the credit amount information, and may further include payment account information, that is, an account for providing the guarantee by the electronic account.
  • the payment account information may also be provided by a third party, that is, the certificate requesting the third party as the electronic certificate payer, and the third party providing the payment account information to the fund management server.
  • the fund management server starts the execution of the electronic certificate according to the request for certification.
  • the fund management server verifies the information such as the payment account, the identity of the payer, and the amount of the credit card.
  • the electronic voucher is established, and when the verification fails, the electronic voucher is not established.
  • the certificate terminal sends a request for changing the amount of the certificate to the fund management server.
  • the card terminal may then submit a request for the change of the amount of the certificate to the fund management server, and the request for the amount of the certificate includes the amount of the amount of the certificate.
  • the fund management server receives the request for changing the amount of the certificate. When agreeing to change the amount of the certificate, proceed to step S15; otherwise, end the process.
  • the fund management server After receiving the request for the change of the amount of the certificate, the fund management server first checks whether the request for the change of the amount of the certificate meets the conditions, such as including the daytime conditions (such as whether the electronic certificate is successfully established) or other prohibition conditions, etc. .
  • the condition such as including the daytime conditions (such as whether the electronic certificate is successfully established) or other prohibition conditions, etc.
  • the company agrees to change the amount of the certificate, stops the original documentary process, and can feedback to the card terminal to agree to change the amount of the certificate.
  • the review fails, the change is rejected.
  • the amount of the certificate, and the information of the refusal to change the amount of the shackle is reported to the ⁇ ; ⁇ , if the reason for the failure of the review is that the electronic vouch has been completed, the party is notified; if the reason for the failure is not met, the reason is If the conditions are prohibited, the original certification process will be continued or the original verification process will be continued.
  • step S15 The fund management server verifies the changed amount of the certificate. When the verification is passed, step S16 is performed, otherwise the flow is ended.
  • the fund management server verifies whether the changed amount of the certificate is less than or equal to the balance of the payment account or the credit line balance; when the amount of the modified certificate is less than or equal to the balance of the payment account or the credit line balance ⁇ , the verification passed; otherwise, the verification failed.
  • the verification fails, you can notify the ⁇ terminal, and you can also ask whether the ⁇ terminal will continue the original confession process.
  • the fund management server freezes the electronic voucher after freezing the amount of funds or the credit line in the payment account equal to the amount of the modified certificate.
  • the fund management server freezes the amount of funds or the credit line in the payment account equal to the amount of the modified certificate, and stands up Electronic voucher. After the electronic voucher is completed, the fund management server can also notify the e-voucher that the e-voucher is completed.
  • FIG. 3 a second embodiment of a method for establishing an electronic voucher according to the present invention is provided.
  • the method of this embodiment is applied to a fund management server, and the method includes the following steps:
  • S2 initiates the erection of the electronic voucher according to the request for the certificate sent by the certificate terminal.
  • the claim request includes at least the amount information of the certificate, and may further include payment account information, that is, an account for providing the guarantee by the electronic account.
  • the payment account information may also be provided by a third party, that is, the certificate requesting the third party as the electronic voucher payer, and the third party providing the payment account information to the fund management server.
  • the fund management server After receiving the request for the certificate, the fund management server verifies the information such as the payment account, the identity of the payer, and the amount of the certificate. When the verification is passed, the electronic certificate is established, and when the verification fails, the electronic certificate is not established.
  • step S22 Receive a request for a change in the amount of the certificate sent by the certificate, and determine whether to agree to change the amount of the certificate. When it is agreed to change the amount of the certificate, step S23 is performed; otherwise, the process is ended. [0075] In the process of the certificate, the card terminal may then submit a request for the change of the amount of the certificate to the fund management server, and the request for the amount of the certificate includes the amount of the amount of the certificate.
  • the fund management server After receiving the request for the change of the amount of the certificate, the fund management server first checks whether the change request amount meets the condition, such as including the daytime condition (such as whether the electronic certificate is successfully established) or other prohibition conditions, etc. .
  • the condition such as including the daytime condition (such as whether the electronic certificate is successfully established) or other prohibition conditions, etc.
  • the company agrees to change the amount of the certificate, stops the original documentary process, and can feedback to the card terminal to agree to change the amount of the certificate.
  • the audit fails, the refusal to change the amount of the shackle is reversed, and the information of the refusal to change the amount of the shackle is returned to the ⁇ card.
  • the party will be notified; If the reason for the failure to pass the audit is that it does not meet the other prohibitive conditions, then continue the original certification process or ask whether the card terminal will continue the original certification process.
  • step S23 Verify the amount of the modified certificate. When the verification is passed, step S16 is performed, otherwise the process ends.
  • the fund management server verifies whether the changed amount of the certificate is less than or equal to the balance of the payment account or the credit line balance; when the amount of the modified certificate is less than or equal to the balance of the payment account or the credit line balance ⁇ , the verification passed; otherwise, the verification failed.
  • the verification fails, you can notify the ⁇ terminal, and you can also ask whether the ⁇ terminal will continue the original confession process.
  • the fund management server freezes the amount of funds or credits in the payment account equal to the amount of the changed amount of the certificate, and stands up Electronic voucher. After the electronic voucher is completed, the fund management server can also notify the e-voucher that the e-voucher is completed.
  • step S25 may also be omitted.
  • the certificate terminal may also request the fund management server to make a second change to the amount of the certificate, and after the second change is made, the electronic certificate may be presented for the third time. Change, and so on.
  • the method in this embodiment is applied to a certificate terminal, and the method includes the following steps:
  • the certificate terminal may send a certificate request to the fund management server through a webpage or an application.
  • the claim request includes at least the amount of the credit amount information, and may further include payment account information, that is, an account for providing the guarantee by the electronic account.
  • the payment account information may also be provided by a third party, that is, the verification party requests the third party as the electronic certificate payer, and the third party provides the payment account information to the fund management server.
  • the card terminal may then submit a request for the change of the amount of the certificate to the fund management server, and the request for the amount of the certificate includes the amount of the amount of the certificate.
  • the change request is sent, the feedback information sent by the fund management server is received, and the corresponding selection feedback can be made to the fund management server according to the feedback information, such as continuing or terminating the original certificate process.
  • the method for establishing an electronic voucher in the process of establishing an electronic voucher, may promptly propose to the fund management institution to change the amount of the defamation certificate, and does not need to resubmit the e-voucher request.
  • payment through electronic voucher reduces transaction risk; on the other hand, it increases the flexibility and efficiency of the electronic voucher.
  • the system includes a certificate terminal and a fund management server, wherein:
  • the certificate terminal is configured to send a certificate request to the fund management server, where the certificate request includes the amount of the certificate amount; in the process of the certificate verification, the request for the change amount of the certificate is sent to the fund management server, and the amount of the certificate is changed.
  • the request includes information on the amount of the certificate after the change.
  • the fund management server is set to perform the electronic voucher according to the request for confirmation; receiving the request for the change of the amount of the certificate, and when agreeing to change the amount of the certificate, verifying the amount of the certificate; after the verification is passed, The electronic voucher is established after freezing the amount of funds or the credit line in the payment account equal to the amount of the modified defamation certificate.
  • FIG. 6 a first embodiment of an apparatus for arranging an electronic voucher according to the present invention is provided.
  • the device of this embodiment is applied to the foregoing fund management server, and includes a first authentication module, a change module, a verification module, and a second authentication certificate. Module, where:
  • the first certificate module is configured to receive the certificate request sent by the certificate terminal, and start the execution of the electronic certificate according to the request for the certificate.
  • the claim request includes at least the amount of the credit amount information, and may further include payment account information, that is, an account for providing the guarantee by the electronic account.
  • the payment account information may also be provided by a third party, that is, the certificate requesting the third party as the electronic voucher payer, and the third direction receiving module providing the payment account information.
  • a change module set to receive a change certificate amount request, the change certificate amount request includes the changed amount of the certificate amount, and when the amount of the certificate is agreed to be changed, the changed amount of the amount of the certificate is sent to the verification module.
  • the verification module is set to: Verify the changed amount of the certificate.
  • the second certificate module is configured to, after the verification is passed, freeze the funds or the credit line in the payment account and the amount of the credit amount after the change, and then set up the electronic certificate.
  • the verification module verifies whether the changed amount of the certificate is less than or equal to the balance of the payment account or the credit line balance; when the amount of the modified certificate is less than or equal to the balance of the payment account or the balance of the credit line, Verification passed; otherwise, verification failed.
  • the second certificate module freezes the amount of funds or credits in the payment account equal to the amount of the modified certificate, and stands up. Electronic voucher. After the electronic voucher is completed, the second certificate module can also notify the e-voucher of the certificate to be completed.
  • FIG. 7 is a second embodiment of the apparatus for arranging an electronic voucher according to the present invention.
  • the device of the embodiment is also applied to the foregoing fund management server.
  • the difference between this embodiment and the first embodiment is that an update is added.
  • the update module is set to update the status of the electronic voucher after the electronic voucher is established.
  • a third embodiment of the apparatus for establishing an electronic voucher according to the present invention is provided.
  • the device of this embodiment is applied to the foregoing authentication terminal, and the device includes a authentication request module and a change request module, where: [0106]
  • the request module is set to send a request for confirmation to the fund management server.
  • the claim request includes at least the amount of the credit amount information, and may further include payment account information, that is, an account for providing the guarantee by the electronic account.
  • the payment account information may also be provided by a third party, that is, the certificate requesting the third party as the electronic voucher payer, and the third party providing the payment account information to the fund management server.
  • the change request module is configured to send a change request amount request to the fund management server during the verification process, and the change certificate amount request includes the changed amount of the certificate amount. After sending the change request, it receives the feedback information sent by the fund management server, and can make corresponding selection feedback to the fund management server according to the feedback information, such as continuing or terminating the original certificate process.
  • the device for the electronic voucher provided by the above embodiment is the same as the method embodiment of the electronic voucher.
  • the specific implementation process is described in the method embodiment, and the technical features in the method embodiment are in the device embodiment. Both are applicable, and will not be described here.
  • the apparatus for arranging an electronic voucher of the present invention can subsequently propose a change in the amount of the certificate in the process of establishing the electronic voucher, without resubmitting the request for the electronic voucher.
  • payment through electronic voucher reduces transaction risk; on the other hand, it increases the flexibility and efficiency of the electronic voucher.
  • the storage medium may be a ROM/RAM, a magnetic disk, an optical disk, or the like.
  • the method, system and device for establishing an electronic voucher provided by the invention can establish an electronic voucher with a promised payment function, reduce the transaction risk, and allow the electronic voucher to be in the process of standing up.
  • the request to change the amount of the certificate is subsequently proposed without the need to re-submit the request for the electronic voucher, which increases the flexibility and efficiency of the electronic voucher. Therefore, it has industrial applicability.

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Abstract

La présente invention concerne un procédé, un système et un dispositif pour ouvrir un certificat électronique, le procédé comprenant les étapes suivantes : une extrémité émettrice envoie une demande d'émission à un serveur de gestion de fonds (S11) ; le serveur de gestion de fonds commence à ouvrir un certificat électronique conformément à la demande d'émission (S12) ; dans le cadre d'un processus d'émission, l'extrémité émettrice envoie une demande de modification de montant d'émission au serveur de gestion de fonds (S13) ; après avoir accepté de modifier un montant d'émission, le serveur de gestion de fonds vérifie le montant d'émission modifié (S15) ; une fois que la vérification a été validée, le serveur de gestion de fonds gèle des fonds ou une limite de crédit, égale au montant d'émission modifié, dans un compte de paiement, puis ouvre le certificat électronique (S16). L'ouverture d'un certificat électronique ayant une fonction d'engagement de paiement réduit le risque de transaction, et le fait de permettre qu'une demande de modification de montant d'émission puisse être soumise à tout moment dans un processus d'ouverture de certificat électronique sans qu'il soit nécessaire de soumettre de nouveau une demande d'ouverture de certificat électronique, accroît la souplesse et l'efficacité d'ouverture du certificat électronique.
PCT/CN2015/084657 2015-07-21 2015-07-21 Procédé, système et dispositif d'ouverture de certificat électronique Ceased WO2017012060A1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CA2993106A CA2993106A1 (fr) 2015-07-21 2015-07-21 Procede, systeme et dispositif d'ouverture de certificat electronique
PCT/CN2015/084657 WO2017012060A1 (fr) 2015-07-21 2015-07-21 Procédé, système et dispositif d'ouverture de certificat électronique
CA3224059A CA3224059A1 (fr) 2015-07-21 2015-07-21 Procede, systeme et dispositif d'ouverture de certificat electronique

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PCT/CN2015/084657 WO2017012060A1 (fr) 2015-07-21 2015-07-21 Procédé, système et dispositif d'ouverture de certificat électronique

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108510257A (zh) * 2018-04-23 2018-09-07 孙峰 一种电子支付方式

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CA3224059A1 (fr) 2017-01-26

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