CA2993032A1

CA2993032A1 - Online funds management method, and data interaction processing method and device

Info

Publication number: CA2993032A1
Application number: CA2993032A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Anticipated expiration: 2035-07-21
Also published as: WO2017012000A1; CA2993032C

Abstract

Disclosed are an online funds management method, and a data interaction processing method and device. The online funds management method comprises: a first participant receives a notification that at least a portion of funds within an electronic certificate limit of the first participant are being frozen by a second participant, and sends a request to supplement funds to a target account of the first participant to a first funds management server; the first funds management server responds to the request, and upon confirming that funds of the target account are not less than the funds limit being frozen by the second participant, freezes funds equal to the funds limit being frozen by the second participant, so as to update electronic certificate information, and sends the updated electronic certificate information to a second funds management server; the second funds management server sends the received electronic certificate information to a third participant; the third participant obtains the electronic certificate information. The present invention effectively activates an electronic certificate, and effectively prevents the problem of risk to the data security of a third interacting party.

Description

Online Funds Management Method, And Data Interaction Processing Method And Device [1] [Technical Field]

[2] The present invention relates to the field of electronic commerce, and in particular, to an online fund management method and data interaction processing method and device.

[3] [Background Technology]

[4] The current online electronic payment or online payment methods mainly include bank online banking payment (including credit card payment) and third-party payment. In the existing online electronic payment or online payment, there is less risk in the form of third-party payment company guarantee.

[5] However, in the form of a third-party payment company guarantee, for the payee customer or payer, the funds have been paid to the third-party payment company when the commodity are not received, and once a third-party payment company has a problem, the payment to the client or the borrower is not guaranteed. Therefore, in the form of a third-party payment company guarantee, there is still a large risk of payment to the client or the borrower. Especially when the cash flow of the payer client or payer is abnormal, the third-party company cannot timely and effectively intervene and prevent the commodity provider from obtaining the funds for the sale of the commodity. For example, the amount of the commodity purchased by the paying customer or the payer due to the civil economic dispute cannot be paid to the commodity provider normally.

[6] Further, since users can realize various ways of data interaction through the Internet, it is necessary to provide an online data interaction processing method.

[7] [Summary of the Invention]

[8] The purpose of the present invention is to provide online fund management method, the interactive data processing method, device and system, when the cash flow of the payer is abnormal, it is effective to guarantee the normal payment to the commodity /
service provider.

[9] In order to solve the above technical problem, the first technical solution adopted by the present invention is to provide an online fund management method, which includes: First Participant receives a notification that at least part of the funds in the electronic certificate of the First Participant is frozen by the Second Participant; wherein the notification includes at least the frozen funds limit; and the First Participant delivers a notification to the first Funds- First Participant's target account to replenish funds;
wherein the target account is the account where the funds frozen when the electronic certificate is opened; and the first Funds-Management server responds to the request and confirms whether the funds of the target account are not less than the amount of funds frozen by the Second Participant; and when the amount of funds of the target account is not less than the amount of funds frozen by the Second Participant, freezing the funds same as the amount of funds frozen by the Second Participant to update and delivers the updated electronic certificate information to a second Funds-Management server; wherein the electronic certificate information at least includes an updated amount of funds; and the second Funds-Management server delivers the received electronic certificate information to the Third Participant; and Third Participant obtains the electronic certificate information;
wherein the first Funds-Management server is an account management server of the First Participant, and the second Funds-Management server is the Third Participant's account management server.

[10] In order to solve the above technical problem, a second technical solution adopted by the present invention is to provide an online fund management method, which includes: the First Funds-Management server receives the request of the First Participant to replenish the target account of the First Participant; wherein, the request is delivered by the First Participant when at least some of the funds are frozen by Second Participant when receiving the electronic certificate quota of the First Participant delivered by Second Participant, the target account is the account of the funds frozen when the electronic certificate is opened.

[11] In response to the request and confirming whether the fund of the target account is not less than the amount of funds frozen by the Second Participant;

[12] When the fund of the target account is not less than the amount of funds frozen by the Second Participant, freezing the same amount of funds frozen with the Second Participant to update the electronic certificate information, and the updated electronic certificate information delivered to the second Funds-Management server;

[13] Wherein, the electronic certificate information at least includes an updated credit limit, the first Funds-Management server is an account management server of the First Participant, and the second Funds-Management server is the account Management server for the Third Participant.

[14] In the above solution, when the funds transfer of First Participant is abnormal, at least some of the funds received by the First Participant's electronic certificate quota is frozen by the Second Participant, First Participant delivers the First Participant's electronic certificate to First Participant's electronic certificate corresponding to the target account replenishment is not less than the frozen funds activation electronic certificate, and the electronic certificate information through the Third Participant's Funds-Management server notify Third Participant, through using the electronic certificate for network payment, the electronic certificate can be re-activated when the funds circulation of First Participant is abnormal, so that the electronic certificate can be re-circulated and used to facilitate the First Participant.

[15] In order to solve the above technical problem, a third technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes: the first interactive party receives notifications that at least part data values of the data certificate of the first interactive party are frozen by second interactive party; wherein, the notification includes at least the frozen data value; the first interactive deliver First Service Party a request to the target data unit of the First interaction Party to increase the data value; Wherein the target data unit corresponds to the data certificate;
the First Service Party responding to the request and confirming whether the data value of the target data unit is not less than the data value frozen by the second interacting party;
when the data value of the target data unit is not less than the data value frozen by the second interacting party, freezing the data value of the same size as the data value frozen by the second interacting party to update the data certificate Information, and deliver the updated data certificate information to a Second Service Party; wherein the data certificate information at least includes the updated data value; the Second Server party delivers the received data certificate information to a third interaction party; and the third interaction party obtains the data certificate information, where the First Service Party serves as the first interactive party to manage the data values of the data unit of the first interactive party, and the Second Server party manages the data values of the data unit of the third interactive party for the third interaction service.

[16] In order to solve the above technical problem, a fourth technical solution adopted by the present invention is to provide a data interaction processing method, where the method including: The First Service Party receives a request delivered by a first interacting party to add a data value to a target data unit of the first interacting party, wherein, the request is delivered by the first interaction party when the data value of at least part of the data certificate of the first interaction party has been frozen by the second interaction party, the notification at least including the frozen data value; in response to the request and confirming whether the data value of the target data unit is not less than the data value, when the data value of the target data unit is not less than the data value frozen by the second interacting party, freezing the data value of the same size as the data value frozen by the second interacting party data value to update the data certificate information, and deliver the updated data certificate information to a Second Service Party, where the data certificate information at least includes the updated data value.

[17] In order to solve the above technical problem, a fifth technical solution adopted by the present invention is to provide a data interaction processing device, where the device includes: a receiving module is used to receive requests from the first user to add data values to the target data unit of the first interaction; wherein the request is delivered after the first interacting party receives the notification that the at least part of the data value of the data certificate of the first interacting party is frozen by the second interacting party, the notification including at least a frozen data value; a determining module is used to respond to the request and confirm whether the data value of the target data unit is not less than the data value frozen by the second interacting party; and a processing module, is used t used to determine that the data value of the target data unit is not less than the data value frozen by the second interactionõ freeze the data values that are the same size as the data value frozen by the second interactive party to update the data certificate information; wherein the data certificate information at least includes an updated data value; and a delivery module is used to deliver the updated data certificate data certificate information to the Second Service Party.

[18] In the above solution, when the data flow of the first interaction party is abnormal, at least part of the data certificate of the first interaction party receives the notification when the data value is frozen by the second interaction party, the first interacting party adds the data value no less than the value frozen by the second interactive party to the target data unit corresponding to the data certificate of the first interacting party in the First Service Party to update the information of the data certificate and delivers the updated data certificate information to the third interactive party through the Second Service Party, it can update information of the data certificate of the first interacting party when the data flow of the first interacting party is abnormal and timely notify the third interacting party, and effectively avoid the risk of data security of the third interaction parties.

[19] [Brief Description]

[20] Figure 1 is a schematic flow chart of an example of an online fund management method according to the present invention;

[21] Figure 2 is a schematic diagram of online funds management relationship in the example of the present invention;

[22] Figure 3 is a schematic flow chart of another example of an online fund management method according to the present invention;

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[23] Figure 4 is a schematic flow chart of an example of a data interaction processing method according to the present invention;

[24] Figure 5 is a schematic flow chart of another example of a data interaction processing method according to the present invention;

[25] Figure 6 is a schematic structural diagram of an example of a data interaction processing system according to the present invention;

[26] Figure 7 is a schematic structural diagram of an example of a data interaction processing device according to the present invention. Figure

[27] [Description of the Preferred Examples]

[28] In order to explain on the technical content, construction characteristics, the purpose and effect of the invention, the following combination of the attached drawings and the embodiment of the invention are explained in detail.

[29] Please refer to Figure 1, it is a schematic flow chart of an example of an online fund management method according to the present invention. Please refer to Figure 2 together.
Figure 2 is a schematic diagram of online funds management according to an example of the present invention. The online funds management method includes the following steps:

[30] S101: First Participant receives a notification that at least part of the amount of the electronic credit of the First Participant is frozen by the Second Participant.

[31] When First Participant purchases commodity / services from Third Participant and the capital flow of the First Participant account is abnormal (for example, First Participant falls into a civil economic dispute), Second Participant intervenes to freeze at least part of the funds in the First Participant's electronic certificate, and inform the First Participant.

[32] First Participant receives notification that at least part of the funds in the First Participant's electronic certificate delivered by the Second Participant is frozen by the Second Participant. The notification includes at least the frozen funds limit, and the first Funds-Management server is the First Participant's account management server.

[33] Further, First Participant is a third-party institution that has the right to freeze funds. The third party agencies are at least one of public security organs, procuratorates, courts, security agencies, army security departments, prison security departments, customs offices and taxation, but are not limited to this. They may also provide other institutions with the authority to freeze funds, there is no restriction here.

[34] Wherein, the electronic certificate involved in the example of the present invention may be referred to as "Bank Credit Certificate". Bank Credit Certificate is a payment certificate of electronic credit commitment which is based on the application of the first participant by the funds management institution to freeze the applicant's funds or credit limit and opened in the name of the bank and commits to settle in accordance with the agreed conditions.
Electronic certificate Information includes at least the funds limit.

[35] S102: the First Participant delivers a request for replenishing funds to the First Participant's target account to the first Funds-Management server.

[36] After receiving the notification delivered by the Second Participant, the First Participant delivers a request for replenishing the First Participant's target account to the first Funds-Management server to replenish the First Participant's target account in the first Funds-Management server. Wherein, the target account is the account of the funds frozen at the time of opening the electronic certificate.

[37] S103: the first Funds-Management server responds to the request and confirms whether the fund of the target account is not less than the amount of funds frozen by the Second Participant.

[38] The first Funds-Management server, after receiving the request from the First Participant for replenishing the funds to the First Participant's target account and supplementary funds, responds to the request and invokes the First Participant's electronic certificate and the target account's fund information, so that to obtain quota information of the electronic certificate and the fund information of the target account and confirm whether the funds not frozen by the Second Participant in the target account are not less than the amount of funds frozen by the Second Participant.

[39] Wherein, the funds in the target account not frozen by Second Participant may be supplemented by First Participant, and may be the sum of funds supplemented by First Participant and funds not frozen by Second Participant in the electronic certificate.

[40] When the target account is not less than the amount of funds frozen by the Second Participant, step S104 is executed.

[41] Further, when the target account is less than the amount of funds frozen by the Second Participant, it is also possible to deliver insufficiently funded notification information to the First Participant for the target account.

[42] S104: when the fund of the target account is not less than the amount of funds frozen by the Second Participant, freezing the same amount of funds frozen with the Second Participant to update the electronic certificate information, and the updated electronic certificate information delivered to the second Funds-Management server.

[43] When the first Funds-Management server determines that the funds not frozen by the Second Participant in the target account are not less than the amount of funds frozen by the Second Participant, freezing funds equal to the amount frozen by Second Participant, restoring the status of the electronic certificate to the state before the Second Participant freezes and updating the electronic certificate information, and the updated electronic certificate information is delivered to the second Funds-Management server.
Electronic certificate information includes at least the updated amount of funds. The second Funds-Management server is the account administration server for the Third Participant.

[44] Wherein, when the funds that are not frozen by the Second Participant in the target account are funded by First Participant, or First Participant and the funds in the electronic certificate not frozen by the Second Participant, the First Funds-Management server froze the funds from First Participant to the same amount as the Second Participant frozen funds.

[45] Further, after the first Funds-Management server restores the status of the electronic certificate to the state before the Second Participant was frozen and updates the information of the electronic certificate, the first Funds-Management server may also notify the First Participant of notification information indicating that the status change succeeded, so as to notify First Participant of the current status of the electronic certificate.

[46] Further, the first Funds-Management server is the Funds-Management server of the first bank, the second Funds-Management server is the Funds-Management server of the second bank; the funds froze by the Second Participant are First Participants in the first Funds -Management server, or a credit given by First Funds-Management server to First Participant, or First Participant's real estate backed by First Funds-Management server.

[47] Further, in another example, the first Funds-Management server and the second Funds-Management server may be the same Funds-Management server.

[48] Further, the Second Participant is a third-party institution and the third-party institution has the right to freeze funds. The third party is at least one of the public security organs, the procuratorate, the courts, the security organs, the army security department, the prison security department, the customs and the taxation, but it is not limited thereto and may also be other institutions that have the authority to freeze funds, Department without restriction.

[49] S105: the second Funds-Management server delivers the received electronic certificate information to the Third Participant.

[50] The second Funds-Management server delivers the received electronic certificate information delivered by the first Funds-Management server to the Third Participant.
Wherein, the electronic certificate information is updated electronic certificate information.

[51] S106: the Third Participant obtains the electronic certificate information.

[52] Third Participant after confirming the information of the electronic certificate delivered by the second Funds-Management server, confirm whether to continue the transaction with the Second Participant.

[53] For example, the Third Participant refuses to continue trading with the Second Participant when the amount of funds in the second Participant's electronic certificate is less than the amount corresponding to the commodity / services purchased by Second Participant. Third Participant may not ship to Second Participant, or may recall commodity that have already been issued.

[54] In the above solution, when the funds transfer of First Participant is abnormal, at least some of the funds received by the First Participant's electronic certificate quota is frozen by the Second Participant, First Participant delivers the First Participant's electronic certificate to First Participant's electronic certificate corresponding to the target account replenishment is not less than the frozen funds activation electronic certificate, and the electronic certificate information through the Third Participant's Funds-Management server notify Third Participant, through using the electronic certificate for network payment, the electronic certificate can be re-activated when the funds circulation of First Participant is abnormal, so that the electronic certificate can be re-circulated and used to facilitate the First Participant.

[55] Please refer to Figure 3, Figure 3 is a schematic flowchart of an online funds management method according to an example of the present invention. The executive body in this example is a first Funds-Management server. The online fund management method in this example includes the following steps:

[56] S201: the first Funds-Management server receives a request from the First Participant to replenish a target account of the First Participant.

[57] When First Participant purchases commodity / services from Third Participant and the capital flow of the First Participant account is abnormal (for example, First Participant falls into a civil economic dispute), Second Participant intervenes to freeze at least part of the funds in the First Participant's electronic certificate, and inform the First Participant.

[58] The First Funds-Management server receives a request from First Participant to replenish a target account of the First Participant. Wherein, the request is delivered by First Participant when it receives a notification that at least part of the first Participant's electronic certificate limit delivered by the Second Participant is frozen by Second Participant, and the target account is the account where the funds frozen at the time of opening the electronic certificate are located.

[59] The electronic certificate involved in the example of the present invention may be referred to as "Bank Credit Certificate." Bank Credit Certificate is a payment certificate of electronic credit commitment which is based on the application of the first participant by the funds management institution to freeze the applicant's funds or credit limit and opened in the name of the bank and commits to settle in accordance with the agreed conditions.

Electronic certificate Information includes at least the funds limit.

[60] S202: Respond to the request and confirm whether the fund of the target account is not less than the amount of funds frozen by the Second Participant.

[61] The first Funds-Management server, after receiving the request from the First Participant for replenishing the funds to the First Participant's target account and supplementary funds, responds to the request and invokes the First Participant's electronic certificate and the target account's fund information, so that to obtain quota information of the electronic certificate and the fund information of the target account and confirm whether the funds not frozen by the Second Participant in the target account are not less than the amount of funds frozen by the Second Participant.

[62] Wherein, the funds in the target account not frozen by Second Participant may be supplemented by First Participant, and may be the sum of funds supplemented by First Participant and funds not frozen by Second Participant in the electronic certificate.

[63] When the target account is not less than the amount of funds frozen by the Second Participant, step S203 is executed.

[64] Further, when the target account is less than the amount of funds frozen by the Second Participant, it is also possible to deliver insufficiently funded notification information to the First Participant for the target account.

[65] S203: when the fund of the target account is not less than the amount of funds frozen by the Second Participant, freezing the same amount of funds frozen with the Second Participant to update the electronic certificate information, and the updated electronic certificate information delivered to the second Funds-Management server.

[66] When the first Funds-Management server determines that the funds not frozen by the Second Participant in the target account are not less than the amount of funds frozen by the Second Participant, freezing funds equal to the amount frozen by Second Participant, restoring the status of the electronic certificate to the state before the Second Participant freezes and updating the electronic certificate information, and the updated electronic certificate information is delivered to the second Funds-Management server so that the second Funds-Management server delivers the received first Funds-Management server Electronic certificate information to the Third Participant, thereby enabling Third Participant to confirm whether to trade with the Second Participant when obtaining the electronic certificate information.

[67] This electronic certificate information includes at least the updated credit limit. The second Funds-Management server is the account administration server for the Third Participant.

[68] Wherein, when the funds that are not frozen by the Second Participant in the target account are funded by First Participant, or First Participant and the funds in the electronic certificate not frozen by the Second Participant, the First Funds-Management server froze the funds from First Participant to the same amount as the Second Participant frozen funds.

[69] Further, after the first Funds-Management server restores the status of the electronic certificate to the state before the Second Participant was frozen and updates the information of the electronic certificate, the first Funds-Management server may also notify the First Participant of notification information indicating that the status change succeeded, so as to notify First Participant of the current status of the electronic certificate.

[70] Further, the first Funds-Management server is the Funds-Management server of the first bank, the second Funds-Management server is the Funds-Management server of the second bank; the funds froze by the Second Participant are First Participants in the first Funds -Management server, or a credit given by First Funds-Management server to First Participant, or First Participant's real estate backed by First Funds-Management server.

[71] Further, in another example, the first Funds-Management server and the second Funds-Management server may be the same Funds-Management server.

[72] Further, the Second Participant is a third-party institution and the third-party institution has the right to freeze funds. The third party is at least one of the public security organs, the procuratorate, the courts, the security organs, the army security department, the prison security department, the customs and the taxation, but it is not limited thereto and may also be other institutions that have the authority to freeze funds, Department without restriction.

[73] In the above solution, when the First Participant funds flow abnormally and receives a notice that at least part of the funds of the First Participant's electronic certificate is frozen by the Second Participant, the first Funds-Management server, upon confirming receipt of the First Participant's request to the first Funds-Management server First Participant's electronic certificate corresponds to the target account replenishment of funds is not less than the frozen funds, activate the electronic certificate, and electronic certificate information Third Participant's Funds-Management server notify Third Participant to pass the electronic certificate for online payment, which can re-activate the electronic certificate when the funds flow of First Participant is abnormal, so that the electronic certificate can be resumed for use, facilitating First Participant.

[74] Please refer to Figure 4, Figure 4 is a schematic flow chart of third example of a data interaction processing method according to the present invention. The data interaction processing method in this example includes the following steps:

[75] S301: the first interacting party receives a notification that at least a part of data values of the data certificate of the first interacting party are frozen by the second interactive party.

[76] When the first interacting party performs data interaction with the third interactive party and an exception occurs in the data unit of the first interacting party, the first interactive party receives the notification that at least part of the data value of the data certificate of the first interactive party is frozen by the second interactive party. Wherein, the notification includes at least the data value that has been frozen.

[77] S302: the first interaction delivers a request for adding a data value to a target data unit of the first interaction party to the First Service Party.

[78] Wherein, the target data unit corresponds to the data certificate.

[79] S303: the First Service Party responds to the request and confirms whether the data value of the target data unit is not less than the data value frozen by the second interactive party.

[80] When the First Service Party receives a request delivered by a first interactive party to the First Service Party to increase the data value to the target data unit of the first interacting party, the First Service Party invokes the data certificate of the first interacting party and the target data in response to the request unit to obtain the data value of the target data unit and confirm that the data value that is not frozen by the second interactive party in the target data unit is not less than the data value frozen by the second interactive party.

[81] When the data value that is not frozen in the target data unit is greater than or equal to the data value frozen by the second interactive party, step S304 is performed.

[82] Further, when the data value that is not frozen in the target data unit is less than the data value frozen by the second interacting party, the first interacting party is notified to the target data unit to continue to increase the data value.

[83] S304: When the data value of the target data unit is not less than the data value frozen by the second interacting party, freeze a data value the same size as the data value frozen by the second interacting party, so that to update the data certificate information, and deliver the updated data certificate information to the Second Service Party.

[84] When the data value in the target data unit that is not frozen by the second interacting party is greater than or equal to the data value frozen by the second interacting party, freezing a data value the same size as the data value frozen by the second interacting party, so as to update the data certificate information, and deliver the updated data certificate information to the Second Service Party. The data certificate information at least includes the updated data value.

[85] S305: the Second Service Party delivers the received data certificate information to a third interactive party.

[86] The Second Service Party delivers the received data certificate information to the third interactive party.

[87] S306: the third interaction party obtains the data certificate information.

[88] The third party obtains the data certificate information delivered by the Second Service Party to confirm whether to continue interacting with the Second Participant.

[89] The data interaction processing method in the example of the present invention is described below by way of example.

[90] For example, the first interactive party is User A, User A corresponds to First Service Party, the second interaction party is User B, the third interactive party is User C, and User C is corresponding to Second Service Party. User A is an administrator for more than one client and has a corresponding password for each client for administrator privileges.
User B has higher administrative authority than User A. Clients can be personal computers, tablets, smart phones and other devices that can exchange data with servers through the network.

[91] When the user C obtains the password of the management authority of the Client 2 from the User A, applies for the data certificate of the User A from the First Server party through the Second Service Party, and when User A's data flow appears abnormal, User B
with higher administrative authority is involved in management. User B freezes the password of at least part of the client's administrative authority in User A data unit and User A delivers to the First Service Party a request to increase the password of at least a part of the Client A's data unit's management authority.

[92] The First Service Party confirms that the number of passwords for all the client's administrative permissions in the user A data unit is not less than the number of passwords that are managed by user B's frozen client, frozen the password of the client's administrative authority with the same number of passwords as the user B
frozen, the password of the client's administrative authority, and updating the information of User A's data certificate. Wherein, User A's data certificate corresponds to the data unit. The updated User A's data certificate information includes at least the number of passwords for administrative authority on clients frozen by First Service Party.

[93] The First Service Party delivers the updated data certificate information of User A to the Second Service Party so that the Second Service Party notifies User C of the change information, so that after obtaining the change information of User A's data certificate, it is possible to confirm whether or not the password of the management authority of the Client 2 can also be obtained. When the password of the Client 2 can not be obtained, the User A
cannot interact with the data.

[94] In the above, the User B has higher management authority than the User A. When the account information of the User A is abnormal, the User B controls the data interaction between user A and user C, and it avoids the problem that the user C can't get the client data and avoid the risk of the security of the client data.

[95] Further, the requested data may also be text data, audio data, video data, program data or fmancial data in the financial field, etc. if it is the fmancial data, such as funds, then the second parties have the authority institutions of third party (such as the court, the customs, the tax authorities), the first interactive party is the buyer, the third interaction is the seller, the First Service Party is the First Funds-Management server, Second Service Party is the Second Funds-Management server, for example, the bank. If it is audio data, such as a song, the data requester and the data initiator may be clients with multimedia playing functions such as mobile phones, and the server is a music website server.

[96] In the solution above, when the data flow of the first interacting party is abnormal and at least part of the data certificate of the first interaction party receives the notification when the data value is frozen by the second interaction party, the first interacting party adds the data value no less than the value frozen by the second interactive party to the target data unit corresponding to the data certificate of the first interacting party in the First Service Party to update the information of the data certificate and delivers the updated data certificate information to the third interactive party through the Second Service Party, it can update information of the data certificate of the first interacting party when the data flow of the first interacting party is abnormal and timely notify the third interacting party, and effectively avoid the risk of data security of the third interaction parties.

[97] Please refer to Figure 5, Figure 5 is a schematic flowchart of another example of a data interaction processing method according to the present invention. The executive body of this example is First Service Party. The data interaction processing method in this example includes the following steps:

[98] S401: The First Service Party receives a request from the first interacting party to add a data value to the target data unit of the first interacting party.

[99] Wherein, the request is delivered by the first interactive party when the data value of at least part of the data certificate of the first interaction party has been frozen by the second interaction party, and the notification includes at least the frozen data value.

[100] When the first interactive party performs data interaction with the third interactive party and the data unit of the first interactive party encounters an exception, the first interactive party delivers and receives at least part of the data valuesof the data certificate of the first interactive party. The First Server party receives a request delivered by the first interactive party to deliver a data value increase to the target data unit of the first interactive party to the First Service Party. Wherein, the notification includes at least the data value that has been frozen.

[101] S402: Response to the request and confirm whether the data value of the target data unit is not less than the data value frozen by the second interactive party.

[102] When the First Service Party receives a request delivered by a first interactive party to the First Service Party to increase the data value to the target data unit of the first interacting party, the First Service Party invokes the data certificate of the first interacting party and the target data in response to the request unit to obtain the data value of the target data unit and confirm that the data value that is not frozen by the second interactive party in the target data unit is not less than the data value frozen by the second interactive party.

[103] When the data value that is not frozen in the target data unit is greater than or equal to the data value frozen by the second interactive party, step S304 is performed.

[104] Further, when the data value that is not frozen in the target data unit is less than the data value frozen by the second interacting party, the first interacting party is notified to the target data unit to continue to increase the data value.

[105] S403: when a data value of the target data unit is not less than a data value frozen by the second interactive party, freeze the data values of the same data value frozen by the second interactive parties, so as to update the data certificate information, and deliver the updated data certificate information to a Second Service Party, where the data certificate information at least includes the updated data value.

[106] When the data value in the target data unit that is not frozen by the second interacting party is greater than or equal to the data value frozen by the second interactive party, freeze data values of the same size as the data values frozen by the second interactive party to update the data certificate information, and deliver the updated data certificate information to the Second Service Party, so that the Second Service Party delivers updated data certificate information to the third interactive party, so that the third party obtains the information that Second Server Party delivers the data certificate, and then confirm whether to continue to interact with the Second Participant. The data certificate information at least includes the updated data value.

[107] In the above solution, when the data flow of the first interacting party is abnormal and at least part of the data certificate of the first interaction party receives the notification when the data value is frozen by the second interaction party, and a notification is delivered to the First Service Party to the first interactive party. When the data value of the target data unit is not less than the data value frozen by the second interactive party, the First Service Party updates the information of the data certificate and the Second Service Party delivers the updated data certificate information to the third interactive Party, so as to update the data certificate of the first interactive party when the data flow of the first interactive party is abnormal and notify the third interactive party in time, it effectively avoid the risk of data security of third party.

[108] Please refer to Figure 6, Figure 6 is a schematic structural diagram of an example of a data interaction processing system according to the present invention. The data interaction processing system in this example includes a first interactive party, a second interactive party, a First Service Party, a Second Service Party, and a third interactive party. Each interactive party and the service party included in the data interaction processing system in this example are used to execute each step in the example corresponding to Figure 4 and Figure 4. For specific details, refer to the examples corresponding to Figure 4 and Figure 4, which are not covered here.

[109] The first interacting party is used to receive at least some of the data value of the data certificate of the first interactive party being frozen by the second interaction party, and deliver a request to the First Service Party to add a data value to the target data unit of the first interacting party; wherein, the notification includes at least the data value that is frozen, and the target data unit corresponds to the data certificate.

[110] The First Service Party is used to respond to the request and confirm whether the data value of the target data unit is not less than the data frozen by the second interaction; when the data value of the target data unit is not less than the data value frozen by the second interactive party, freeze the data values of the same size as the data frozen by the second interactive party to update the data certificate information, and the updated data certificate information is delivered to the Second Service Party, where the data certificate information at least includes the updated data value.

[111] Second Service Party is used to deliver the received data certificate information to the third party.

[112] The third party is used to obtain data certificate information.

[113] In the solution above, when the data flow of the first interacting party is abnormal and at least part of the data certificate of the first interaction party receives the notification when the data value is frozen by the second interaction party, the first interacting party adds the data value no less than the value frozen by the second interactive party to the target data unit corresponding to the data certificate of the first interacting party in the First Service Party to update the information of the data certificate and delivers the updated data certificate information to the third interactive party through the Second Service Party, it can update information of the data certificate of the first interacting party when the data flow of the first interacting party is abnormal and timely notify the third interacting party, and effectively avoid the risk of data security of the third interaction parties.

[114] Please refer to Figure 7, Figure 7 is a schematic structural diagram of an example of a data interaction processing device according to the present invention. Each module included in the data interaction processing device in this example is used to execute each step in the example corresponding to Figure 5 and Figure 5. For details, refer to the example corresponding to Figure 5 and Figure 5, and details are not described herein again. The data interaction processing device 700 in this example includes a receiving module 710, a determining module 720, a processing module 730, and a generating module 740.

[115] The receiving module 710 is used to receive the request for the data value of the target data unit delivered by the first interactive party to the first interactive party, where the request is delivered by the first interactive party after receiving the notification that the at least part of the data values of the data certificate of the first interactive party is frozen by the second interactive party, and the notification includes at least the data value that is frozen.

[116] The determining module 720 is used to respond to the request and confirm whether the data value of the target data unit is not less than the data value frozen by the second interactive party.

[117] The processing module 730 is used to freeze the data value of the same size as the data value frozen by the second interactive party when the determination module 720 determines that the data value of the target data unit is not less than the data value frozen by the second interactive party, so that to update the data certificate information; wherein the data certificate information at least includes the updated data value.

[118] The delivery module 740 is used to deliver the updated data certificate information to the Second Service Party.

[119] In the above solution, when the data flow of the first interacting party is abnormal and at least part of the data certificate of the first interaction party receives the notification when the data value is frozen by the second interaction party, and a notification is delivered to the First Service Party to the first interactive party. When the data value of the target data unit is not less than the data value frozen by the second interactive party, the First Service Party updates the information of the data certificate and the Second Service Party delivers the updated data certificate information to the third interactive Party, so as to update the data certificate of the first interactive party when the data flow of the first interactive party is abnormal and notify the third interactive party in time, it effectively avoid the risk of data security of third party.

[120] The above is only an example of the present invention and is not intended to limit the scope of the invention as a matter of limitation, either by way of equivalent construction or equivalent process transformation using the present specification and the accompanying drawings, directly or indirectly used in other related technical fields, which are included in the scope of the patent protection of the present invention.

Claims

The Claims

[Claim 1] An online fund management method, its characteristic is that, the method includes:
First Participant receives a notification that at least part of the funds of the First Participant is frozen by the Second Participant;
Wherein the notification includes at least the frozen funds limit;
The First Participant delivers a request for replenishing funds to the First Participant's target account to the first Funds-Management server;
Wherein, the target account is the account where the funds frozen when opening the electronic certificate;
The first Funds-Management server responding to the request and confirming whether the fund of the target account is not less than the amount of funds frozen by the Second Participant;
When the fund of the target account is not less than the amount of funds frozen by the Second Participant, freezing the funds equal to the amount of funds frozen by the Second Participant to update the electronic certificate information, and the updated electronic certificate information delivered to the second Funds-Management server;
Wherein, the electronic certificate information includes at least the updated funds limit;
The second Funds-Management server delivers the received electronic certificate information to the Third Participant;
The Third Participant obtains the electronic certificate information;
The first Funds-Management server is an account management server of the First Participant, and the second Funds-Management server is an account management server of the Third Participant.
[Claim 2] The online fund management method according to Claim 1, wherein in response to the request, the first Funds-Management server confirms whether or not the fund of the target account is not less than the amount of funds allocated by the Second Participant after the step of freezing the funding limit, the method further includes:
When the funds of the target account are less than the amount of funds frozen by the Second Participant, the information about the insufficient funds of the target account is delivered to the First Participant.
[Claim 3] The online fund management method according to Claim 1, its characteristic is that, when the fund of the target account is not less than the amount of funds frozen by the Second Participant, freeze the same amount of frozen fund with the Second Participant to update the electronic certificate information after delivering the updated electronic certificate information to the steps of second Funds-Management server, the method also includes:
The first Funds-Management server changes the electronic certificate to a valid state, and delivers notification information to the First Participant that the electronic certificate status change is made.
[Claim 4] According to the online Funds-Management method in the Claim 1, the characteristics of the online Funds-Management are that the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.
[Claim 5] The online fund management method according to Claim 1, wherein the first Funds-Management server is a Funds-Management server of a first bank, the second Funds-Management server is a Second Bank Funds-Management server.
[Claim 6] The online fund management method according to Claim 1, wherein the Second Participant is a third-party institution, and the third party institution is at least anyone of a public security organ, a procuratorate, a court, a customs office, a tax authority.
[Claim 7] An online fund management method, its characteristic is that, the method includes:
The First Funds-Management server receives a request from First Participant to replenish a target account of the First Participant;
Wherein the request is delivered by the First Participant when it receives a notification that at least part of the first Participant's electronic certificate limit delivered by the Second Participant is frozen by Second Participant, and the target account is the account where the funds frozen at the time of opening the electronic certificate are located;
In response to the request and confirming whether the fund of the target account is not less than the amount of funds frozen by the Second Participant;
When the fund of the target account is not less than the amount of funds frozen by the Second Participant, freezing the funds equal to the amount of funds frozen by the Second Participant to update the electronic certificate information, and the updated electronic certificate information delivered to the second Funds-Management server;
Wherein the electronic certificate information at least includes an updated credit limit, the first Funds-Management server is an account management server of the First Participant, and the second Funds-Management server is the account Management server for the Third Participant.
[Claim 8] A data interaction processing method, wherein the method comprises:
The first interacting party receives a notification that at least a part of data values of the data certificate of the first interacting party are frozen by the second interactive party;
Wherein the notification includes at least a frozen data value;
The first interaction delivers a request for adding a data value to a target data unit of the first interaction party to the First Service Party;
Wherein, the target data unit corresponds to the data certificate;
The First Service Party responding to the request and confirming whether the data value of the target data unit is not less than the data value frozen by the second interactive party;
When the data value of the target data unit is not less than the data value frozen by the second interacting party, freeze a data value the same size as the data value frozen by the second interacting party, so that to update the data certificate information, and deliver the updated data certificate information to the Second Service Party;
Where the data certificate information at least includes the updated data value;
The Second Service Party delivers the received data certificate information to a third interactive party;
The third interaction party obtains the data certificate information;
Wherein the First Service Party provides the data values of the data unit of the First interaction Party for the First interactive Service, the Second Service Party serves as the third interactive party to manage the data values of the data units of the third interactive party.
[Claim 9] A data interaction processing method, wherein the method comprises:
The First Service Party receives a request from the first interacting party to add a data value to the target data unit of the first interacting party;
Wherein the request is delivered by the first interacting party when the data value of at least part of the data certificate of the first interactive party has been frozen by the second interactive party and the notification includes at least the frozen data value;
Responding to the request and confirming whether the data value of the target data unit is not less than the data value frozen by the second interactive party;
When the data value of the target data unit is not less than the data value frozen by the second interacting party, freeze a data value the same size as the data value frozen by the second interacting party, so that to update the data certificate information, and deliver the updated data certificate information to the Second Service Party;
Wherein, the data certificate information at least includes the updated data value.
[Claim 10] A data interaction processing device, its characteristic is that, the device includes:
A receiving module is used to receive the request for data value added to the target data unit delivered by the first interactive party to the first interactive party;
Wherein the request is delivered by the first interacting party when the data value of at least part of the data certificate of the first interactive party has been frozen by the second interactive party and the notification includes at least the frozen data value;
A determination module is used for responding to the request and confirming whether a data value of the target data unit is not less than a data value frozen by the second interactive party;
A processing module is used to determine that the data value of the target data unit is not less than the data value frozen by the second interactive party, the data value of the same value as the data value that is frozen by the second interactive party is frozen to update the data certificate information;
Where the data certificate information at least includes the updated data value;
A delivery module is used to deliver the updated data certificate information to the Second Service Party.