2. The bank will review the electronic signature of the endorser and form an endorsement business application message after passing. It uses the digital certificate of the bank where the account is opened for electronic signature and sends it to the electronic commercial bill system of the People's Bank of China.
3. The electronic commercial bill system of the People's Bank of China checks whether the electronic signature of the bank is accurate and effective, and whether the endorser is the holder, and forwards the application message to the bill accessed by the endorsee's bank.
4. The bank of the endorsee accesses the system to verify the validity of the message, and then notifies or displays the application information to the endorsee. The endorsee can sign or reject the endorsement application and attach his own electronic signature.
5. The access system of the endorsee's bank verifies the validity of the endorsee's electronic signature, forms a reply message after passing the verification, affixes the electronic signature of the bank, and sends the reply message to the endorsee for electronic signature. Commercial paper system of China People's Bank.
6. If the endorser initiates an endorsement reply first, the endorsement application has been signed or rejected according to the meaning of the endorsee, and the endorser who accepts the electronic bank cannot cancel the endorsement application. The acceptance and endorsement of e-banking should be based on true and legal transaction relationship, creditor-debtor relationship or legal acts such as taxation, inheritance, gift and dividend.
7. Before the endorsee initiates a reply, both the endorser and the endorsee can operate the bill, the endorser can cancel the endorsement application, and the endorsee can reply (sign or reject) the endorsement application. At this time, the system will handle it according to the principle of time priority: if the endorsee cancels the endorsement application first, the endorsement application has been cancelled, and the endorsee can no longer reply to the endorsement;
: The endorsement of an electronic bank acceptance bill must record the following items:
1, name of endorser;
2. The name of the endorsee;
3. Date of endorsement;
2. Endorser's signature and seal. If the "non-negotiable" item is recorded in the acceptance bill of the drawer or endorser of the electronic bank, the electronic commercial bill may not be endorsed again. A bill of exchange may not be transferred or endorsed after presentation for payment.