[0065] Example two
[0066] The second embodiment of the present invention provides a certificate receiving device for a second fund management server, such as figure 2 As shown, the device of the second embodiment of the present invention includes:
[0067] The first receiving module 10 is configured to receive the issuance notification of the first electronic certificate sent by the first fund management server, where the issuance notification includes the first electronic certificate information;
[0068] The comparison module 20 is used to compare the electronic voucher information to be opened stored in the second fund management server with the first electronic voucher information;
[0069] The certificate receiving module 30 is used to receive the first electronic certificate when the comparison is consistent.
[0070] Such as image 3 As shown, the receipt module 30 includes:
[0071] The associating unit 31 is configured to associate the second client information corresponding to the electronic certificate to be issued with the first electronic certificate;
[0072] The update unit 32 is configured to update the status of the first electronic certificate as received.
[0073] Further, as Figure 4 As shown, the device of the second embodiment of the present invention further includes:
[0074] The second receiving module 40 is configured to receive the receipt request and the electronic credential information to be issued from the second client;
[0075] The issuance application module 50 is used to generate a request for issuance according to the request for receipt.
[0076] The second sending module 60 is configured to send the issuance request and the electronic voucher information to the first fund management server for the first fund management server to issue a certificate;
[0077] The saving module 70 is configured to save the electronic credential information to be issued by the second client as the electronic credential information of the local end.
[0078] The first sending module 80 is configured to send a certificate received notification to the first fund management server.
[0079] Specifically, the first receiving module 10 receives the issuance notice sent by the first fund management server, and the issuance notice includes the electronic certificate information that has been issued. Before the first receiving module 10 receives the issuance notification, both parties of the transaction first form an order. The issuer selects an issuing bank and sends it to the second client at the end of the receiver. The receiver fills in the electronic voucher information to be issued. And sent to the second fund management server. The second receiving module 40 receives the receipt request and the electronic certificate information to be issued sent by the second client, the issuance application module 50 generates an issuance request according to the receipt request, and the second sending module 50 sends the issuance request and the waiting The electronic certificate information for issuance is sent to the first fund management server for the first fund management server to issue a certificate. At the same time, the saving module 70 saves the electronic voucher information to be issued sent by the second client, which is to be issued for subsequent comparison.
[0080] Further, the second fund management server may verify the identity of the receiver after receiving the certificate receipt request and the electronic voucher information sent by the second client to verify the authenticity of the electronic certificate to be issued.
[0081] The aforementioned electronic voucher information to be issued includes, but is not limited to, payment timeliness, transaction object information, settlement rate, first fund management server information, issuance amount, performance period, signing period, electronic voucher model, settlement mode, etc.
[0082] After the first fund management server receives the issuance request, it issues the first electronic voucher and freezes the corresponding amount of funds or credit line, and generates a notification of issuance. According to the contact information of the receiving bank, it will be issued by telephone, fax or communication software. The issuance notice is sent to the second fund management server.
[0083] The comparison module 20 compares the local electronic certificate information to be issued with the first electronic certificate information that has been issued. The comparison module 20 can preset a comparison range. When the comparison result is within the preset comparison range, it is determined that the comparison is consistent. When the comparison result is consistent, the receipt module 30 receives the first electronic certificate. The process of receiving the first electronic certificate by the certificate receiving module 30 is actually that the second client provides the second fund management server with the payment account or identity in advance, and informs the second fund management server of the electronic certificate corresponding to the payment account or identity After the comparison module 20 passes the comparison, the associating unit 31 registers the first electronic certificate with the account or identity of the recipient corresponding to the second client, and associates the second client with the first electronic certificate, and the update unit 32 updates the first electronic certificate. The status of an electronic certificate is the process of receiving the certificate.
[0084] Further, the first sending module 80 sends a certificate received notification to the first fund management server. At this time, the first electronic certificate enters the performance period, and the receiver performs the contract (for example, the merchant sends goods). After the recipient performs the contract, the first electronic voucher obtains the performance information, changes the bank letter status, and the first electronic voucher enters the signing period (waiting for the delivery of the goods, signing for the goods). After the issuer signs for the goods, that is, after the receiver completes the transaction conditions of the first client corresponding to the first electronic voucher according to the payment conditions of the first electronic voucher, he entrusts the second fund management server to apply for the solution to the first fund management server. pay. The first fund management server releases the freezing of funds in the issuer's account, transfers the funds to the second fund management server, and the second fund management server transfers the funds to the payee's account. Since the first electronic voucher can be used to transfer funds, in actual applications, the performance and signing can be omitted. When the performance and signing are omitted, the first fund management server receives the certificate received notification from the second fund management server, Transfer funds directly to the second fund management server.
[0085] The second fund management server of the electronic voucher in the embodiment of the present invention is applied to electronic voucher payment activities. The receiving bank automatically initiates the payment process after receiving the issuance notice, and does not require confirmation from the second client, only the electronic voucher information The certificate can be collected if the comparison is consistent, which can effectively reduce the transaction risk of both buyers and sellers.
