2. The bank that opens an account examines the electronic signature of the endorser, and forms an endorsement business application message after passing, and uses the digital certificate of the bank to affix the electronic signature and send 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 forwards the application message to the access system of the endorsee's bank after checking whether the electronic signature of the endorsee's bank is accurate and effective and whether the endorsee is the bearer.
4. The access system of the endorsee's bank verifies the validity of the message, and then informs or displays the application information to the endorsee, who can sign or reject the endorsement application and affix 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 stamped with the bank's electronic signature, and sends the reply message to the electronic commercial bill system of the People's Bank of China.
6. After the electronic commercial bill system of the People's Bank of China verifies the validity of the receipt message, if it is a reply message that agrees to sign, the owner of the bill is changed to the endorsee, and the endorser is informed; If it is a refusal to reply, the endorser will be told to refuse to reply.