Processing method of overdue electronic acceptance: after the electronic bill is overdue, first judge the length of overdue time. Payment initiated within 10 days after the bill expires is normal presentation payment. If the bill is overdue for more than 10 days, only the overdue payment instruction can be initiated. If it is less than two years overdue, the holder can generally get compensation. When the holder initiates a delayed presentation payment instruction to the accepting bank, it needs to give a reasonable written explanation, and the accepting bank will honor it after examination. If the accepting bank refuses to pay, the holder can exercise the right of recourse. The draft is still valid for six months after being refused payment.

Electronic commercial bills, that is, electronic bills, are made by the drawer in the form of data messages, and the payer is entrusted to unconditionally pay a certain amount of bills to the payee or holder on a specified date. It is an important new financing tool.

With the development of bank supply chain finance, electronic commercial paper has become an important new financing tool urgently needed by the market. Electronic commercial bills, that is, electronic bills. It is made by the drawer in the form of data message, and entrusts the payer to unconditionally pay a certain amount of bills to the payee or holder on a specified date.

Generally, electronic commercial bills are divided into electronic bank acceptance bills and electronic commercial acceptance bills. Compared with paper commercial bills, electronic commercial bills are issued and circulated in the form of data messages, and electronic signatures replace entity signatures.

The functions of electronic bills are mainly embodied in providing services related to monetary payment and fund settlement of electronic commercial bills, providing comprehensive services such as registration and inquiry of paper commercial bills and public quotation services of commercial bills (including paper and electronic commercial bills).

Identity authentication management function: the electronic commercial bill system should have the function of identifying the identity of the access point bank to ensure the non-repudiation, data integrity and transmission confidentiality of various business activities between banking financial institutions (hereinafter referred to as commercial banks) and the electronic commercial bill system. Based on the access and exit management rules of access point banks, the addition, change and revocation of access point digital certificates are means, including accepting access point bank applications, maintaining access point information according to regulations and other specific matters.

Data information exchange function: through the connection between the electronic commercial bill system and the intra-bank system of commercial banks and other related systems, the electronic commercial bill system is used as an intermediary to receive, verify, register, store, send or forward data information, so as to realize the interconnection of data information of electronic commercial bill business, paper commercial bill registration inquiry business and commercial bill public quotation business between different commercial banks, and realize the transmission of electronic commercial bill fund settlement data between this system and the payment system.

Registration and storage function: the electronic commercial bill system can register and store the bill behavior, financing behavior, settlement behavior, face value content and circulation process of each electronic commercial bill in the database.