CA2993033A1 - Method, system, and apparatus for altering electronic certificates and processing - Google Patents
Method, system, and apparatus for altering electronic certificates and processing Download PDFInfo
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- CA2993033A1 CA2993033A1 CA2993033A CA2993033A CA2993033A1 CA 2993033 A1 CA2993033 A1 CA 2993033A1 CA 2993033 A CA2993033 A CA 2993033A CA 2993033 A CA2993033 A CA 2993033A CA 2993033 A1 CA2993033 A1 CA 2993033A1
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- 238000000034 method Methods 0.000 title claims abstract description 52
- 238000012545 processing Methods 0.000 title claims abstract description 26
- 230000008859 change Effects 0.000 claims abstract description 38
- 230000003993 interaction Effects 0.000 claims description 21
- 239000003999 initiator Substances 0.000 claims description 14
- 238000012795 verification Methods 0.000 claims description 12
- 238000003672 processing method Methods 0.000 claims description 8
- 238000007726 management method Methods 0.000 description 123
- 230000008569 process Effects 0.000 description 18
- 230000004075 alteration Effects 0.000 description 8
- 238000010586 diagram Methods 0.000 description 8
- 230000000694 effects Effects 0.000 description 6
- 230000002159 abnormal effect Effects 0.000 description 4
- 238000005516 engineering process Methods 0.000 description 4
- 230000005856 abnormality Effects 0.000 description 2
- 238000010276 construction Methods 0.000 description 2
- 238000011161 development Methods 0.000 description 2
- 230000008014 freezing Effects 0.000 description 2
- 238000007710 freezing Methods 0.000 description 2
- 238000012546 transfer Methods 0.000 description 2
- 238000012384 transportation and delivery Methods 0.000 description 2
- 238000013070 change management Methods 0.000 description 1
- 230000008570 general process Effects 0.000 description 1
- 230000009466 transformation Effects 0.000 description 1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
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- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
A method, system, and apparatus for altering electronic certificates and processing data exchange. The method for altering an electronic certificate comprises: after receiving over a second money management server an electronic certificate sent by a first money management server, a second terminal sends a request message to the second money management server to change the account of the user of the second terminal (101); wherein, the account of the user of the second terminal is used for receiving unfrozen money of an equivalent value to that of the electronic certificate, the electronic certificate being an electronic certificate of a commitment to payment issued by the first money management server when the user of a first terminal, using the account money or line of credit of said user as a security deposit, makes an application to said first money management server; the second money management server receives the request message, and on the basis of the request message, alters the account information of the user of the second terminal (102). By means of the aforementioned method, the present method enables the user of the second terminal to freely alter the account thereof, such that the manner of receiving payment is more flexible.
Description
Method, System, And Apparatus For Altering Electronic Certificates And Processing [1] [Technical Field]
[2] The present invention relates to the field of electronic commerce, and in particular, to a method, system and device for changing electronic certificate and data interaction.
[3] [Background Technology]
[4] E-commerce has become increasingly widely used in a variety of commercial trade activities, the so-called E-commerce is a business operation model that based on the browser and server applications helps consumer realize online shopping, online transactions between merchants and online electronic payments, as well as a variety of business activities, trading activities, financial activities and related integrated service activities in the commercial trade, and in the Internet open network environment.
[5] The current online electronic payment or online payment methods mainly include bank online banking payment (including credit card payment) and third-party payment.
However, the credit bottleneck in the settlement process of on-line electronic payment (network payment) is always an obstacle in the development process of E-commerce.
However, the credit bottleneck in the settlement process of on-line electronic payment (network payment) is always an obstacle in the development process of E-commerce.
[6] In the current on-line electronic payment method, it is less risky to guarantee the company with a third party payment company. However, in the form of guarantee by a third-party payment company, when the payer completes the payment operation, the payee will not be able to change the payee bank until the payee receives the funds, and the payee bank cannot be able to change the receivable bank, and cannot provide the way to deal with the change of the receivable bank because of the abnormal situation.
[7] In addition, with the development of Internet technology, especially mobile Internet technology, users can use the 2G, 3G, 4G or WiFi mobile devices to transmit data and interact with each other. In the process of data interaction, a similar situation is also encountered.
[8] [ Summary of the Invention]
[9] The main object of the present invention is to provide a method, system and device for changing an electronic certificate and interacting with data so that a second terminal user can arbitrarily change an account of receiving target data through a second terminal, making it more flexible to receive data in the process of data interaction and improves the efficiency of data interaction.
[10] One technical solution adopted in the present invention is to provide a method for changing an electronic certificate, which includes: after the second terminal receives the electronic certificate delivered by the first Funds-Management server, the second Funds-Management server delivers request information for changing the account of the second terminal user.
Wherein, the electronic certificate is an electronic commitment payment certificate, which is applied for by the first terminal user to the first Funds-Management server with its account funds or credit line as the deposit, and is opened by the first Funds-Management server, the account of the second terminal user is used for receiving funds equal to the committed payment amount of the electronic certificate; the second Funds-Management server receives the request information and changes the account information of the second terminal user according to the request information.
Wherein, the electronic certificate is an electronic commitment payment certificate, which is applied for by the first terminal user to the first Funds-Management server with its account funds or credit line as the deposit, and is opened by the first Funds-Management server, the account of the second terminal user is used for receiving funds equal to the committed payment amount of the electronic certificate; the second Funds-Management server receives the request information and changes the account information of the second terminal user according to the request information.
[11] Another technical solution adopted by the present invention is to provide a method for changing an electronic certificate applied to a second Funds-Management server. The method includes: after the second Funds-Management server receives the electronic certificate delivered by the first Funds-Management server, the second terminal delivers a request message for changing an account of the second terminal user, Wherein, the electronic certificate is an electronic commitment payment certificate, which is applied for by the first terminal user to the first Funds-Management server with its account funds or credit line as the deposit, and is opened by the first Funds-Management server, the account of the second terminal user is used for receiving funds equal to the committed payment amount of the electronic certificate; the second Funds-Management server receives the request information and changes the account information of the second terminal user according to the request information.
[12] Another technical solution adopted by the present invention is to provide an electronic certificate changing system, which includes after the second terminal receives the electronic certificate delivered by the first Funds-Management server, the second Funds-Management server delivers request information for changing the account of the second terminal user. Wherein, the electronic certificate is an electronic commitment payment certificate, which is applied for by the first terminal user to the first Funds-Management server with its account funds or credit line as the deposit, and is opened by the first Funds-Management server, the account of the second terminal user is used for receiving funds equal to the committed payment amount of the electronic certificate; the second Funds-Management server receives the request information and changes the account information of the second terminal user according to the request information.
[13] Another technical solution adopted by the present invention is to provide an electronic certificate change management device applied to a second Funds-Management server. The device includes a receiving module and a processing module. The receiving module is used to after the second Funds-Management server receives the electronic certificate delivered by the first Funds-Management server, the second terminal delivers a request message for changing an account of the second terminal user, Wherein, the electronic certificate is an electronic commitment payment certificate, which is applied for by the first terminal user to the first Funds-Management server with its account funds or credit line as the deposit, and is opened by the first Funds-Management server, the account of the second terminal user is used for receiving funds equal to the committed payment amount of the electronic certificate; a processing module is used to change the account information of the second terminal user according to the request information.
[14] Another technical solution adopted by the present invention is to provide a data interaction processing method, which includes: the Second terminal delivers the request information to Second Server to change the account of the Second terminal after the Second Server receives the data certificate delivered by First Server; wherein, the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the data initiator and the First Server; the Second Server receives the request information, and changes the account information of the second terminal according to the request information.
[15] Another technical solution adopted by the present invention is to provide a data interaction processing method applied to a Second Server, and the method includes: After receiving the data certificate delivered by the First Server, the Second Server receives the request message for changing the account of the second terminal delivered by the second terminal.
Wherein, the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the data initiator and the First Server; the Second Server receives the request information, and changes the account information of the second terminal according to the request information.
Wherein, the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the data initiator and the First Server; the Second Server receives the request information, and changes the account information of the second terminal according to the request information.
[16] Another technical solution adopted by the present invention is to provide a data certificate data exchange system, which includes a second terminal and a Second Server.
The second terminal is used to: after the Second Server receives the data certificate delivered by the First Server, wherein, the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the data initiator and the First Server; the Second Server receives the request information, and the Second Server is used to receive request information and change the account information of the Second terminal based on request information.
The second terminal is used to: after the Second Server receives the data certificate delivered by the First Server, wherein, the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the data initiator and the First Server; the Second Server receives the request information, and the Second Server is used to receive request information and change the account information of the Second terminal based on request information.
[17] Another technical solution adopted by the present invention is to provide a data interaction processing device applied to a Second Server. The device includes a receiving module and a processing module. The receiving module is used to: after the Second Server receives the data certificate delivered by the First Server, wherein, the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the data initiator and the First Server;; and the processing module is used to change the account information of the second terminal according to the request information.
[18] Different from the existing technology, in the present invention, the second terminal, after receiving the electronic certificate delivered by the first Funds-Management server, delivers the request information to the second Funds-Management server to change the account of the second terminal user. Wherein, the account of the second terminal user is used for receiving released funds equal to the amount of the electronic certificate, and the electronic certificate is a data certificate issued by the first funds-management server from the first funds-management server with the account fund or credit line of the first end user;
the second Funds-Management server receives the request information, and changes the account information of the second terminal user according to the request information. In the above way, the present invention enables the second terminal user to arbitrarily change his own account, thereby ensuring that the second terminal user can use other accounts for payment when the second terminal user has an abnormality in the preset account, thereby making the receiving method more flexible. In addition, after receiving the data certificate delivered by the First Server, deliver a request message to Second Server to change the account of the Second terminal, wherein, the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the data initiator and the First Server; the Second Server receives the request information, and changes the account information of the second terminal according to the request information. By means of the foregoing method, the second terminal at the data receiving terminal can arbitrarily change the account for receiving the data, which ensures that when an account is abnormal, it can also receive data through other accounts to improve the efficiency of data interaction.
the second Funds-Management server receives the request information, and changes the account information of the second terminal user according to the request information. In the above way, the present invention enables the second terminal user to arbitrarily change his own account, thereby ensuring that the second terminal user can use other accounts for payment when the second terminal user has an abnormality in the preset account, thereby making the receiving method more flexible. In addition, after receiving the data certificate delivered by the First Server, deliver a request message to Second Server to change the account of the Second terminal, wherein, the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the data initiator and the First Server; the Second Server receives the request information, and changes the account information of the second terminal according to the request information. By means of the foregoing method, the second terminal at the data receiving terminal can arbitrarily change the account for receiving the data, which ensures that when an account is abnormal, it can also receive data through other accounts to improve the efficiency of data interaction.
[19] [Brief Description]
[20] Figure 1 is a flow chart of a first example of a method for changing an electronic certificate according to the present invention;
[21] Figure 2 is a flow chart of a second example of an electronic certificate alteration method according to the present invention;
[22] Figure 3 is a schematic structural diagram of an example of an electronic certificate alteration system according to the present invention;
[23] Figure 4 is a schematic structural view of a first example of an electronic certificate alteration device according to the present invention;
[24] Figure 5 is another structural schematic diagram of a first example of an electronic certificate alteration device according to the present invention;
[25] Figure 6 is a flowchart of a first example of a data interaction processing method according to the present invention;
[26] Figure 7 is a flowchart of a second example of a data interaction processing method according to the present invention;
[27] Figure 8 is a schematic structural diagram of a data interaction processing system in an example of the present invention.
[28] Figure 9 is a schematic structural diagram of a first example of a data interaction processing device according to the present invention. Figure
[29] [Description of the Preferred Examples]
[30] 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.
[31] Please refer to Figure 1, a flowchart of a first example of an electronic certificate alteration method according to the present invention includes:
[32] Step 101: After receiving the electronic certificate delivered by the first Funds-Management server, the second terminal delivers request information for changing the account of the second terminal user to the second Funds-Management server.
[33] Wherein, the electronic certificate refers to the application of the first Funds-Management server to freeze the corresponding Funds or credit limit of the first terminal user account in accordance with the application of the first terminal user, and open it in the name of the first funds-management server, and commit to settle in accordance with the agreed conditions. The basic business process of the electronic certificate is as follows: the first Funds-Management server freezes the required amount of funds according to the application of the first terminal user to open the electronic certificate.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
[34] In this implementation manner, before step 101, the second Funds-Management server has received the electronic certificate delivered by the first Funds-Management server. In other examples, if the second terminal delivers an electronic certificate to the second Funds-Management server when the request message is delivered, the second Funds-Management server does not receive the electronic certificate delivered by the first Funds-Management server, and the second Funds-Management server may feedback the message that it did not receive the electronic certificate to the second terminal, so that the second terminal can deliver the request information of the change electronic certificate to the second terminal user to the first Funds-Management server.
[35] Step 102: the second Funds-Management server receives the request information, and changes the account information of the second terminal user according to the request information.
[36] The step 102 is specifically as follows. The second Funds-Management server receives the request information and verifies the status of the electronic certificate.
When the verification succeeds, the second Funds-Management server changes the account information of the second terminal user according to the request information.
When the verification succeeds, the second Funds-Management server changes the account information of the second terminal user according to the request information.
[37] In this example, the status of the electronic certificate is electronic certificate information, and the electronic certificate information includes basic information of the first terminal, the first Funds-Management server, the second terminal, and the second Funds-Management server, and the second of course, the electronic certificate information also includes the quota information of the electronic certificate, the clearing information, the issuing time and the expiration date of the electronic certificate, and of course, the issuing time and the expiration date can also be directly replaced by the expiration time.
[38] Wherein, when the second terminal delivers the request information to the second funds server, the request information may include second account information that is set by the second terminal user and is different from the first account information, for example, an account number of the second account, account holder name and so on.
[39] The status of the verification electronic certificate specifically includes: the second Funds-Management server determines whether the electronic certificate exceeds the validity period according to the issuing time and validity of the electronic certificate , and determines whether the second Funds-Management server receives the funds equal to the value of the electronic certificate issued by the first Funds-Management server according to the quota information and the settlement information of the electronic certificate.
[40] In the above authentication process, if the electronic certificate is valid and the second Funds-Management server does not receive the same value as the electronic certificate and is issued by the first Funds-Management server, the second Funds-Management server changes the electronic certificate information so that the second account of the second terminal user becomes a collection account number of funds equal to the value of the electronic certificate.
[41] Wherein, changing the electronic certificate information is specifically: changing the account of the receiving user in the electronic certificate information from the first account to the second account, that is, when the second Funds-Management server receives funds that are equal to the value of the electronic certificate issued by the first Funds-Management server, the fund is transferred to the second account of the second term' user rather than the preset first account.
[42] In the above verification process, if the electronic certificate is invalid or the second Funds-Management server has received the first Funds-Management server payment equal to the value of the electronic certificate, the second Funds-Management server delivers verification failure to the second terminal, which means that the second terminal cannot change the account of electronic certificate for the second account.
[43] In another example, the verification process may only verify whether the electronic certificate exceeds the validity period, and does not verify whether the second Funds-Management server receives the same amount of Funds as the value of the electronic certificate, because no matter how second terminal users change their accounts, it must be paid by second Funds-Management server.
[44] After step 102, the method may further include:
[45] Step 103: the second Funds-Management server delivers the electronic certificate change information to the second terminal.
[46] In other examples, when delivering the request information to the second Funds-Management server, the second terminal may not include the second account information. Instead, after completing step 103, the second terminal deliver the second end user's second account information to the second Funds-Management server.
[47] After the above process is completed, when the first Funds-Management server needs to issue Funds equal to the value of electronic certificate to the second Funds-Management server, issue the corresponding Funds to the second Funds-Management server, and after receiving the funds, the second Funds-Management server does not allocate the funds to the first account of the second terminal user according to the pre-determined agreement but allocates the funds to the second account of the terminal user based on the changed electronic certificate information.
[48] In a specific example, the first Funds-Management server is the Funds-Management server of the first bank and the second Funds-Management server is the Funds-Management server of the second bank. The first terminal is a terminal A, the first terminal user is user A, the second terminal is terminal B, and the second terminal user is user B.
[49] Electronic certificate refers to the payment certificate of electronic credit commitment that the first bank opens on the application of the User A, or uses the credit line and opens in the name of the first bank, and commits to settle according to the agreed conditions. The basic business process of electronic certificate: the first bank will freeze the required amount of funds according to the application of User A to open an electronic certificate.
When agreed terms of settlement are reached, the first bank will pay the funds for payment and settlement.
When agreed terms of settlement are reached, the first bank will pay the funds for payment and settlement.
[50] When User A needs to transfer 100,000 funds to User B, it first applies the terminal A to the first bank to open an electronic certificate worth 100,000, and sets up user B's bank, account number and the validity period of electronic certificate. Wherein, the User A open the electronic certificate worth 100,000 on the premise that the User A in the first bank deposits, lines of credit or other forms of assets worth at least more than 100,000, after the opening of the electronic certificate, the first The bank froze User A's worth of 100,000 in First Bank.
[51] In the general process, the first bank delivers the electronic certificate to the second bank, the second bank receives the electronic certificate and delivers the electronic certificate information to the terminal B, and the User B confirms the information and applies for commissioning the second bank to receive funds; the first bank then release 100,000 of funds, and transferred to the second bank, the second bank and then transferred 100,000 to the User B's first account.
[52] In this example, after the first bank delivers the electronic certificate to the second bank, the second bank receives the electronic certificate and delivers the electronic certificate information to the terminal B, and User B needs to receive the electronic certificate through second accounts for some reasons (for example, the user's B's first account is frozen or the first account has security risk), and it transfers 100,000 to the second account of user B
through the second bank. The user B delivers a change of electronic certificate to the second bank through terminal B to the second account of user B; the second bank responds to the request message, and when determining that electronic certificate has not exceeded the validity period, and second banks have not yet received the first bank's value equal to electronic certificate, change the information of electronic certificate and change the receiving account of electronic certificate to the second banker of User B.
The second bank delivers the change message to the terminal B again. After receiving the message, the User B sets his own account, that is, the account number of the second account, and the name of the card holder, and delivers the message to the second bank through the terminal B. When the second bank receives the first bank and the electronic certificate issued by the equivalent value of 100,000, the 100,000 will be issued to the User B's second account.
through the second bank. The user B delivers a change of electronic certificate to the second bank through terminal B to the second account of user B; the second bank responds to the request message, and when determining that electronic certificate has not exceeded the validity period, and second banks have not yet received the first bank's value equal to electronic certificate, change the information of electronic certificate and change the receiving account of electronic certificate to the second banker of User B.
The second bank delivers the change message to the terminal B again. After receiving the message, the User B sets his own account, that is, the account number of the second account, and the name of the card holder, and delivers the message to the second bank through the terminal B. When the second bank receives the first bank and the electronic certificate issued by the equivalent value of 100,000, the 100,000 will be issued to the User B's second account.
[53] In the above solution, the second terminal, after receiving the electronic certificate delivered by the first Funds-Management server, delivers the request information to the second Funds-Management server to change the account of the second terminal user.
Wherein, the account of the second terminal user is used for receiving released funds equal to the amount of the electronic certificate, and the electronic certificate is a data certificate issued by the first funds-management server from the first funds-management server with the account fund or credit line of the first end user; the second Funds-Management server receives the request information, and changes the account information of the second terminal user according to the request information. In the above way, the present invention enables the second terminal user to arbitrarily change his own account, thereby ensuring that the second terminal user can use other accounts for payment when the second terminal user has an abnormality in the preset account, thereby making the receiving method more flexible.
Wherein, the account of the second terminal user is used for receiving released funds equal to the amount of the electronic certificate, and the electronic certificate is a data certificate issued by the first funds-management server from the first funds-management server with the account fund or credit line of the first end user; the second Funds-Management server receives the request information, and changes the account information of the second terminal user according to the request information. In the above way, the present invention enables the second terminal user to arbitrarily change his own account, thereby ensuring that the second terminal user can use other accounts for payment when the second terminal user has an abnormality in the preset account, thereby making the receiving method more flexible.
[54] Please refer to Figure 2, a flowchart of a second example of an electronic certificate alteration method according to the present invention is applied to a second Funds-Management server. The method includes:
[55] Step 201: after receiving the electronic certificate delivered by the first Funds-Management server, the second Funds-Management server receives the request message for changing the account of the second terminal user delivered by the second terminal.
[56] Wherein, the electronic certificate refers to the application of the first Funds-Management server to freeze the corresponding Funds or credit limit of the first terminal user account in accordance with the application of the first terminal user, and open it in the name of the first funds-management server, and commit to settle in accordance with the agreed conditions. The basic business process of the electronic certificate is as follows: the first Funds-Management server freezes the required amount of funds according to the application of the first terminal user to open the electronic certificate.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
[57] Step 202: the second Funds-Management server receives the request information, and changes the account information of the second terminal user according to the request information.
[58] In step 202, after receiving the request information, the second Funds-Management server further includes the step of verifying the status of the electronic certificate, and changing the account information of the second terminal user according to the request information after the authentication is passed.
[59] The process of changing the receiving user information of the electronic certificate specifically includes: changing the receiving user item in the electronic certificate information to the third terminal user, that is, when the second Funds-Management server receives Funds that are equal to the value of the electronic certificate issued by the first Funds-Management server, the Funds are transferred to the corresponding account of the third terminal user.
[60] This example is based on the implementation manner of the second Funds-Management server in the first example, and details are not described herein again.
[61] Please refer to Figure 3, a schematic structural diagram of an example of an electronic certificate alteration system 300 according to the present invention includes a second terminal 302 and a second Funds-Management server 304.
[62] The second terminal 302 is used to deliver, to the second Funds-Management server 304, the request for changing the account of the second terminal 302 user after the second Funds-Management server 304 receives the electronic certificate delivered by the first Funds-Management server 303.
[63] Wherein, the electronic certificate means that the first Funds-Management server 303 opens in the name of the first Funds-Management server 303 according to the application of the first terminal user 301 for freezing funds or credit limit, and commits to settle according to the agreed conditions of payment certificate of electronic credit commitment.
The basic business process of the electronic certificate is as follows: the first Funds-Management server 303, according to the application of the first terminal user, freezes the required amount of funds to open the electronic certificate. When the agreed settlement conditions are reached, the Funds-Management server 303 will release the funds Handle payment and settlement.
The basic business process of the electronic certificate is as follows: the first Funds-Management server 303, according to the application of the first terminal user, freezes the required amount of funds to open the electronic certificate. When the agreed settlement conditions are reached, the Funds-Management server 303 will release the funds Handle payment and settlement.
[64] The second Funds-Management server 304 is used to receive the request information and change the account information of the user of the second terminal 302 according to the request information.
[65] In addition, the second Funds-Management server 304 is also used to verify the status of the electronic certificate after receiving the request information, and change the account information of the second terminal user according to the request information after the verification is passed.
[66] Wherein, the status of the verification electronic certificate specifically includes: the second Funds-Management server 304 determines whether the electronic certificate exceeds the validity period according to the issuing time and validity of the electronic certificate , and determines whether the second Funds-Management server 304 receives the funds equal to the value of the electronic certificate issued by the first Funds-Management server 303 according to the quota information and the settlement information of the electronic certificate.
[67] Wherein, changing the receiving user information of the electronic certificate is specifically: changing the receiving user account in the electronic certificate information into a second account different from the preset first account, that is, when the second Funds-Management server 304 receives the first Funds-Management server 303, the money is allocated to the second account of the user of the second terminal 302.
[68] In addition, the second Funds-Management server 304 is also used to deliver the electronic certificate change information to the second terminal after changing the electronic certificate information.
[69] This example is based on a system of the first example of the method for changing an electronic certificate, and details are not described herein again.
[70] Please refer to Figure 4, a schematic structural diagram of a first example of an electronic certificate alteration device according to the present invention is shown. The device 400 is a second Funds-Management server. The device 400 includes a receiving module 401 and a processing module 402.
[71] The receiving module 401 is used to after receiving the electronic certificate delivered by the first Funds-Management server, the second Funds-Management server receives the request message for changing the account of the second terminal user delivered by the second terminal.
[72] The processing module 402 is used to change the account information of the second terminal user according to the request information.
[73] Wherein, the electronic certificate refers to the application of the first Funds-Management server to freeze the corresponding Funds or credit limit of the first terminal user account in accordance with the application of the first terminal user, and open it in the name of the first funds-management server, and commit to settle in accordance with the agreed conditions. The basic business process of the electronic certificate is as follows: the first Funds-Management server freezes the required amount of funds according to the application of the first terminal user to open the electronic certificate.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
[74] As shown in Figure 5, in another implementation, the device 500 includes a receiving module 501, a verification module 502, a processing module 503, and a delivery module 504.
[75] The receiving module 501 is used to after receiving the electronic certificate delivered by the first Funds-Management server, the second Funds-Management server receives the request message for changing the account of the second terminal user delivered by the second terminal.
[76] The verification module 502 is used to verify the status of the electronic certificate after the receiving module receives the request message.
[77] The processing module 503 is used to change the account information of the second terminal user according to the request information.
[78] The delivery module 504 is used to deliver the electronic certificate change information to the second terminal after the processing module changes the account information of the second terminal user according to the request information.
[79] Wherein, the electronic certificate refers to the application of the first Funds-Management server to freeze the corresponding Funds or credit limit of the first terminal user account in accordance with the application of the first terminal user, and open it in the name of the first funds-management server, and commit to settle in accordance with the agreed conditions. The basic business process of the electronic certificate is as follows: the first Funds-Management server freezes the required amount of funds according to the application of the first terminal user to open the electronic certificate.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
[80] The verification process of the verification module 502 specifically includes: the second Funds-Management server determines whether the electronic certificate exceeds the validity period according to the issuing time and validity of the electronic certificate , and determines whether the second Funds-Management server receives the funds equal to the value of the electronic certificate issued by the first Funds-Management server according to the quota information and the settlement information of the electronic certificate.
[81] Wherein, the changing process of the processing module 503 is specifically: changing the receiving user account in the electronic certificate information into a second account different from the preset first account, that is, when the second Funds-Management server receives the first Funds -Management server issued with the value of the electronic certificate equal to the funds, the funds allocated to the second terminal user's second account.
[82] This example is based on a device of the second Funds-Management server in the first example, and details are not described herein again.
[83] Please refer g to Figure 6, a flowchart of a first example of a data interaction processing method according to the present invention includes:
[84] Step 601: After receiving the data certificate delivered by the First Server, the second terminal delivers a request for changing the account of the second terminal to the Second Server.
[85] Wherein, data certificate is a quantitative tool used by the first terminal as the pre-established data association between the data initiator and the First Server.
[86] Step 602: The Second Server receives the request information, and changes the account information of the second terminal according to the request information.
[87] The following uses data exchange as an example to illustrate this example:
[88] First, User A has the ability to manage the terminal 1 through a password, such as the ability to use the password to log in to the management system through terminal 1.
[89] When User A needs User B to manage the system, User A makes an application to server 1 based on the password, creates a password certificate by server 1, and delivers the password certificate to server 2.
[90] In general, the server 2 delivers the password to the account 1 of the User B in the terminal 2 after receiving the password delivered by the server 1 according to the password certificate, and the User B can log on to the management system on terminal 2 through this password.
[91] In this example, the password may not be received normally due to an abnormal condition such as freezing of the account 1, and the User B delivers a request message to the server 2 through the terminal 2 to change the receiving account of the password certificate to the account 2 after receiving the request message, the server 2 changes the receiving account of the password to the account 2 according to the request message.
[92] Therefore, when the server 1 needs to deliver the password to the server 2, the server 2 delivers the password to the account 2 of the User B in the terminal 2, and the User B
obtains the management authority of the management system.
obtains the management authority of the management system.
[93] In the above solution, after receiving the data certificate delivered by the First Server, deliver a request message to Second Server to change the account of the Second terminal, wherein, the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the data initiator and the First Server; the Second Server receives the request information, and changes the account information of the second terminal according to the request information. By means of the foregoing method, the second terminal at the data receiving terminal can arbitrarily change the account for receiving the data, which ensures that when an account is abnormal, it can also receive data through other accounts to improve the efficiency of data interaction.
[94] Please refer to Figure 7, a flowchart of a second example of a data interaction processing method according to the present invention includes:
[95] Step 701: After receiving the data certificate delivered by the First Server, the Second Server receives the request message for changing the account of the second terminal delivered by the second terminal.
[96] Wherein, data certificate is a quantitative tool used by the first terminal as the pre-established data association between the data initiator and the First Server.
[97] Step 702: The Second Server receives the request information, and changes the account information of the second terminal according to the request information.
[98] Please refer to Figure 8, it is a schematic structural diagram of an example of a data interaction processing system according to the present invention. The system 800 includes a second terminal 802 and a Second Server 804.
[99] After receiving the data certificate delivered by the First Server 804, the second terminal 801 delivers a request for changing the account of the second terminal 802 to the Second Server 805.
[100] Wherein, data certificate is a quantitative tool used by the first terminal 801 as the pre-established data association between the data initiator and the First Server 804.
[101] Second Server 805 is used to receive the request information, and change the account information of the second terminal 802 according to the request information.
[102] Please refer to Figure 9, a schematic structural diagram of a first example of a data interaction processing device according to the present invention is applied to a Second Server. The device includes a receiving module 901 and a processing module 902.
[103] The receiving module 901 is used to receive the request for changing the account of the second terminal delivered by the second terminal after the Second Server receives the data certificate delivered by the First Server.
[104] Wherein, data certificate is a quantitative tool used by the first terminal as the pre-established data association between the data initiator and the First Server.
[105] The processing module 902 is used to change the account information of the second terminal according to the request information.
[106] 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 (10)
- [Claim 1] A method of changing an electronic certificate, wherein the method includes:
After receiving the electronic certificate delivered by the first Funds-Management server, the second terminal delivers request information for changing the account of the second terminal user to the second Funds-Management server.
Wherein, the electronic certificate is an electronic commitment payment certificate applied by a first terminal user to a first Funds-Management server and opened by a first Funds-Management server with its account funds or credit line as a deposit, and the account of the second terminal user is used to receive the funds equal to the promised payment amount of the electronic certificate;
The second Funds-Management server receives the request information, and changes the account information of the second terminal user according to the request information. - [Claim 2] According to the method in Claim 1, wherein the second Funds-Management server receives the request information and changes the account information of the second terminal user according to the request information, specifically include:
The second Funds-Management server receives the requested information and verifies the state of the electronic certificate. After verification is passed, the account information of the second terminal user is changed according to the requested information. - [Claim 3] According to the method in Claim 1, wherein after the step of changing the account information of the second terminal user according to the request information, the method also includes:
The second Funds-Management server delivers the electronic terminal change information to the second terminal. - [Claim 4] A method for changing an electronic certificate applied to a second Funds-Management server, wherein the method includes:
After receiving the electronic certificate delivered by the first Funds-Management server, the second Funds-Management server receives the request message for changing the account of the second terminal user delivered by the second terminal.
Wherein, the electronic certificate is an electronic commitment payment certificate applied by a first terminal user to a first Funds-Management server and opened by a first Funds-Management server with its account funds or credit line as a deposit, and the account of the second terminal user is used to receive the funds equal to the promised payment amount of the electronic certificate;
The second Funds-Management server receives the request information, and changes the account information of the second terminal user according to the request information. - [Claim 5] An electronic certificate changing system, wherein the system includes a second terminal and a second Funds-Management server;
After receiving the electronic certificate delivered by the first Funds-Management server, the second terminal delivers request information for changing the account of the second terminal user to the second Funds-Management server;
Wherein, the electronic certificate is an electronic commitment payment certificate applied by a first terminal user to a first Funds-Management server and opened by a first Funds-Management server with its account funds or credit line as a deposit, and the account of the second terminal user is used to receive the funds equal to the promised payment amount of the electronic certificate;
The second Funds-Management server is used to receive the request information, and change the account information of the second terminal user according to the request information. - [Claim 6] An electronic certificate changing device applied to a second Funds-Management server, wherein the device includes a receiving module and a processing module;
The receiving module is used to after receiving the electronic certificate delivered by the first Funds-Management server, the second Funds-Management server receives the request message for changing the account of the second terminal user delivered by the second terminal;
Wherein, the electronic certificate is an electronic commitment payment certificate applied by a first terminal user to a first Funds-Management server and opened by a first Funds-Management server with its account funds or credit line as a deposit, and the account of the second terminal user is used to receive the funds equal to the promised payment amount of the electronic certificate;
The processing module is used to change the account information of the second terminal user according to the request information. - [Claim 7] A data interaction processing method, wherein the method includes:
After receiving the data certificate delivered by the First Server, the second terminal delivers a request for changing the account of the second terminal to the Second Server;
Wherein, data certificate is a quantitative tool used by the first terminal as the pre-established data association between the data initiator and the First Server;
The second server receives the request information, and changes the account information of the second terminal according to the request information. - [Claim 8] A data interaction processing method applied to a Second Server, wherein the method includes:
After receiving the data certificate delivered by the First Server, the Second Server receives the request message for changing the account of the second terminal delivered by the second terminal;
Wherein, data certificate is a quantitative tool used by the first terminal as the pre-established data association between the data initiator and the First Server;
The second server receives the request information, and changes the account information of the second terminal according to the request information. - [Claim 9] A data interaction processing system, wherein the system includes a second terminal and a Second Server;
After receiving the data certificate delivered by the First Server, the second terminal is used to deliver a request for changing the account of the second terminal to the Second Server;
Wherein, data certificate is a quantitative tool used by the first terminal as the pre-established data association between the data initiator and the First Server;
The Second Server receives the request information, and changes the account information of the second terminal according to the request information. - [Claim 10] A data interaction processing device applied to a Second Server, wherein the device includes a receiving module and a processing module;
The receiving module is used to receive the request for changing the account of the second terminal delivered by the second terminal after the Second Server receives the data certificate delivered by the First Server;
Wherein, data certificate is a quantitative tool used by the first terminal as the pre-established data association between the data initiator and the First Server;
The processing module is used to change the account information of the second terminal according to the request information.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084564 WO2017011997A1 (en) | 2015-07-21 | 2015-07-21 | Method, system, and apparatus for altering electronic certificates and processing data exchange |
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| Publication Number | Publication Date |
|---|---|
| CA2993033A1 true CA2993033A1 (en) | 2017-01-26 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2993033A Pending CA2993033A1 (en) | 2015-07-21 | 2015-07-21 | Method, system, and apparatus for altering electronic certificates and processing |
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| CA (1) | CA2993033A1 (en) |
| WO (1) | WO2017011997A1 (en) |
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| CN100353377C (en) * | 2003-10-27 | 2007-12-05 | 中国建设银行股份有限公司 | Method ad system for transacting transfer of account for banks on network |
| CN101154282A (en) * | 2006-09-29 | 2008-04-02 | 阿里巴巴公司 | System and method for implementing payment |
| CN103123706A (en) * | 2011-11-18 | 2013-05-29 | 中兴通讯股份有限公司 | Management method, device and system of bill payment for another |
| US20140214675A1 (en) * | 2013-01-25 | 2014-07-31 | Pankaj Sharma | Push payment system and method |
| WO2014146228A1 (en) * | 2013-03-18 | 2014-09-25 | 深圳市银信网银科技有限公司 | Paying method and system by using network |
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