The current status of electronic bill is: refusing to pay the right of recourse and agreeing to pay off the signed bill, that is, the other party agrees to pay the bill when it is due. The ticket holder can log in to corporate online banking to apply for the bill and choose online settlement, and then the bank will transfer the money to the Gong Hu of the enterprise. If you haven't received the money after the time, you can sue directly.

Electronic acceptance bill is a subclass of electronic commercial bill. By adopting electronic signature and reliable security authentication mechanism, electronic bank acceptance bills can ensure their uniqueness, integrity and security, and reduce the risk of bills being cloned, altered, forged, lost and damaged. The issuance, guarantee, acceptance, delivery, endorsement, pledge, discount, rediscount and other bill behaviors of electronic bank acceptance bills are carried out on the electronic commercial bill system, which can greatly improve the efficiency of bill circulation, reduce manpower and financial costs, and effectively improve financial and commercial efficiency.

The so-called electronic commercial bill is made by the drawer in the form of data message, and the payer is entrusted to unconditionally pay a certain amount of bill to the payee or holder on a specified date. Compared with paper commercial bills, it has the outstanding characteristics of issuing and circulating in the form of data messages, and replacing entity signatures with electronic signatures, which plays a very important role in putting an end to cases of forging or altering bills, reducing enterprise settlement costs, improving settlement efficiency and controlling financing risks.

The advantages of electronic commercial bills are greatly improved security, prolonged term, greatly reduced transmission and storage costs, greatly improved bill payment and settlement efficiency, and greatly reduced financing operation costs.

The acceptance process of bank electronic bills after expiration is as follows:

1. The drawee shall accept or refuse to accept the bill presented for acceptance within 3 days after receiving it. Upon receipt of a bill presented for acceptance, the drawee shall issue a receipt to the holder. The receipt shall indicate the date when the bill is presented for acceptance and shall be signed.

2. Acceptance record items. When accepting a bill of exchange, the drawee shall record the word "acceptance" and the date of acceptance on the front of the bill and sign it; A bill payable periodically after sight shall record the date of payment at the time of acceptance. If the date of acceptance is not specified on the bill of exchange, the date of acceptance shall be the third day after the drawee receives the presented bill.

3. The drawee shall not attach conditions to the acceptance of the bill. Conditional, as refused to accept.