CA2993034C - Online funds management method, and data interaction processing method and device - Google Patents

Abstract

Abstract A computer-implemented method for managing online funds in an electronic transaction and a device therefor, the method comprising a first terminal delivers a request for allocating funds from an account of a second terminal to a target account; a first funds-management server verifies identification of the first terminal when receiving the request, wherein the first funds-management server is an account management server for the second terminal; the first funds-management server unfreezes the amount of funds in the account of the second terminal, when the verification is passed, wherein the deducted amount of funds is included a part of amount of funds in an electronic certificate; the first funds-management server updates the electronic certificate after deduction and delivers it to a second funds-management server; and a third terminal acquires the updated electronic certificate wherein the second funds-management server is an account management server for the third terminal. Date Recue/Date Received 2020-09-04

Description

Title: 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 object of the present invention is to provide an online fund management method, a data interaction processing method, a device and a system which can effectively ensure the financial benefits of the commodity / service providers are not damaged when the cash flow of the paying party is abnormal.

[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 delivers a request to the first Funds-Management server to deduct funds from a Second Participant account to a target account; the first Funds-Management server performs identity verification on the First Participant in response to the request; the First Funds-Management server verifies the identity information of the First Participant and confirms that the Funds required to be deducted include at least some of the Funds for the electronic certificate of the Second Participant, the released funds is not greater than the amount of the electronic certificate, which is to deduct the Funds from the target account and deliver the electronic certificate information to the second funds-management server after the deduction of the Funds; and the second Funds-Management server delivers the electronic certificate information received to Third Participant; the third participant obtains the electronic certificate information; wherein the target account is an account designated by the First Participant, the first Funds-Management server is an account management server of the Second Participant, the second Funds-Management server is the account Management server for the Third Participant.

[10] In order to solve the above technical problem, a second technical solution adopted by the present invention is to provide a method for online fund management, where the method includes: First Funds-Management server receives the request from the Second Participant account to deduct Funds from the Second Participant account, verify the identity of the First Participant; when the identity verification passes and confirming that the funds to be deducted include at least a part of the funds of the second Participant's electronic certificate, deliver the electronic certificate information after the deduction to the second Funds-Management server; wherein the target account is the first participant designated account, the first Funds-Management server is an account management server of the Second Participant, and the second Funds-Management server is an account management server of the Third Participant.

[11] In the above solution, when the circulation of the Second Participant is abnormal, the First Participant deduct funds from the Second Participant account to the account designated by First Participant through the account management server that requests the Second Participant; after successful fund transfer, the Second Participant The account management server notifies Third Participant of the change information through Third Participant's account management server so that Third Participant can be promptly notified when the flow of Second Participant is abnormal, so as to effectively ensure that Third Participant's funds interests are not impaired.

[12] 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 a first interacting party delivers a request for adding the data value of the at least part of the data of the second interacting party to a target data unit to the First Service Party; the First Server party, upon receiving the request, performs identity verification on the first interacting party; and when the First Server party is performing the verification on the first interacting party identity verification and confirming that the data value to be added includes at least a part of the data value of the data certificate of the second interacting party, unlocking the first data whose size is not greater than the data certificate data value, the target data unit adds the data with the same size as the first data, and delivers the data certificate information whose data value is changed to the Second Service Party; and the Second Service Party delivers the data certificate information received to the third interactive party, enabling the third user to obtain the data certificate information.

[13] 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 increase a data value of at least a part of data of a second interacting party data unit to a target data unit and performs identity verification on the first interacting party, and confirming that the data value to be added needs to include at least part of the data values of the data certificate of the second interacting party, unlock the first data whose data value is not greater than the data certificate to add a data value equal to the first data size to the target data unit; and deliver the data certificate information whose data value is changed to a Second Service Party.

[14] 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 the receiving module, which is used to receive the request that the first interacting party delivers at least part of the data of the second interactive data unit to a target data unit; a verification module is used to verify the identity of the first interacting party and confirm whether the data value to be added includes the second interacting party; the processing module is used to pass the identity verification by the verification module and confirm that the data value that needs to be added includes at least a part of data values of the data certificate of the second interacting party unlocking first data not larger than the data certificate data value to add a data value equal to the first data size to the target data unit; and a delivery module is used deliver the data certificate information to the Second Service Party, which has been changed by the data value.

[15] In the above solution, when the data flow of the second interacting party is abnormal, the first interacting party increases the target data unit specified by the first interacting party from the data unit of the second interacting party by requesting the service party of the second interacting party data; after the service party of the second interacting party calls data certificate to successfully add data to the target data unit, the change information of the data certificate of the second interacting party is notified to the third interacting party through the service party of the third interacting party, when the data exchange between the two parties is abnormal, the third party is notified promptly to effectively avoid the data security risk of the third party.

[16] [Brief Description]

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

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

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

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

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

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

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

[24] [Description of the Preferred Examples]

[25] 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.

[26] 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:

[27] S101: First Participant delivers a request to the first Funds-Management server to deduct funds from a Second Participant account to a target account.

[28] When the Second Participant purchases the commodity/services from Third Participant, the funds flow of the Second Participant account is abnormal (for example, when the Second Participant falls into a civil economic dispute), the First Participant intervenes.

[29] First Participant delivers a request to the First Funds-Management server to deduct funds from a Second Participant account to a target account. The target account is an account designated by First Participant, and the first Funds-Management server is an account management server of Second Participant.

[30] Further, First Participant is a third-party institution that has the authority to deduct funds.
Third-party agency is either the court, the customs, or any of the taxes.

[31] S102: In response to the request, the first Funds-Management server performs identity verification on the First Participant.

[32] After receiving the request delivered by First Participant, the first Funds-Management server responds to the request, and performs identity verification on the First Participant's identity information to confirm whether First Participant's identity information is valid and confirm whether the funds required to be deducted include at least some of the funds for the Second Participant's electronic certificate.

[33] Wherein, when the first Funds-Management server confirms that the funds except the electronic certificate in the Second Participant account are less than the funds that need to be deducted, the funds that need to be deducted include at least part of the funds of the Second Participant's electronic certificate.

[34] When First Funds-Management server confirms that First Participant's identity information is untrue, it delivers First Participant an error message indicating that First Participant's identity information is incorrect.

[35] When the first Funds-Management server confirms that the identity information of the First Participant is valid and confirms that the funds to be deducted include at least part of the funds of the second Participant's electronic certificate, step S103 is performed.

[36] S103: After the first Funds-Management server verifies the identity information of the First Participant and confirms that the funds that need to be deducted include at least part of the funds of the second Participant's electronic certificate, release the funds which is not greater than the amount of the electronic certificate, so as to deduct funds from the target account and deliver the electronic certificate information after the funds are deducted to the second Funds-Management server; wherein the electronic certificate information at least includes The amount of funds.

[37] When the first Funds-Management server confirms that the First Participant's identity information is valid and confirms that the funds to be deducted include at least part of the funds of the Second Participant's electronic certificate, invoke the pre-saved electronic signature of the Second Participant to read the information in the electronic certificate and release funds not more than electronic certificate to deduct funds from the target account designated by First Participant. After that, the funds certificate will be delivered to the second Funds-Management server.

[38] 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. The second Funds-Management server is the account administration server for the Third Participant.

[39] 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 released funds are the deposits of the Second Participant on the first Funds-Management server or the credits of the Second Participant on the first Funds-Management server or the funds corresponding to the real estate mortgaged by the Second Participant on the first Funds-Management server.

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

[41] Further, after releasing funds not exceeding the amount of the electronic certificate, the state of the electronic certificate is changed to a failure state and the information of the funds deduction is recorded. Wherein, the withholding information includes at least one of the First Participant information, the deducted amount of funds and the target account information.

[42] S104: the second Funds-Management server delivers the received electronic certificate information to the Third Participant.

[43] The second Funds-Management server delivers the received electronic certificate information delivered by the first Funds-Management server to the Third Participant.

[44] S105: the Third Participant obtains the electronic certificate information.

[45] 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.

[46] 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.

[47] In the above solution, when the circulation of the Second Participant is abnormal, the First Participant deduct funds from the Second Participant account to the account designated by First Participant through the account management server that requests the Second Participant; after successful fund transfer, the Second Participant The account management server notifies Third Participant of the change information through Third Participant's account management server so that Third Participant can be promptly notified when the flow of Second Participant is abnormal, so as to effectively ensure that Third Participant's funds interests are not impaired.

[48] 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:

[49] S201: the first Funds-Management server receives a request delivered by the First Participant for deducting funds from a Second Participant account to a target account, and performs identity verification on the First Participant.

[50] When the Second Participant purchases the commodity/services from Third Participant, the funds flow of the Second Participant account is abnormal (for example, when the Second Participant falls into a civil economic dispute), the First Participant intervenes.

[51] When First Participant delivers a request to the first Funds-Management server for a fund transfer from the Second Participant account to a target account, the first Funds-Management server receives the request, verifies the First Participant to confirm First Whether Participant's identity information is truly legal, and whether the funds required to be deducted include at least part of the funds of the Second Participant's electronic certificate.

[52] Wherein, when the first Funds-Management server confirms that the funds except the electronic certificate in the Second Participant account are less than the funds that need to be deducted, the funds that need to be deducted include at least part of the funds of the Second Participant's electronic certificate.

[53] The target account is the account designated by First Participant. The first Funds-Management server is the account manager of Second Participant.

[54] When First Funds-Management server confirms that First Participant's identity information is untrue, it delivers First Participant an error message indicating that First Participant's identity information is incorrect.

[55] Step S202 is executed when the first Funds-Management server confirms that the identity information of the First Participant is valid and confirms that the funds that need to be deducted include at least part of the funds of the Second Participant's electronic certificate.

[56] S202: When the identity verification passes and confirming that the funds required to be deducted include at least a part of the funds of the Second Participant's electronic certificate, the released funds is not greater than the amount of the electronic certificate so that to deduct funds from the target account.

[57] When the first Funds-Management server confirms that the identity information of the First Participant is valid and confirms that the funds to be deducted include at least part of the funds of the second Participant's electronic certificate, the pre-stored Second Participant's electronic certificate is invoked to read the information in the electronic certificate.

[58] 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.

[59] After reading the information in the electronic certificate, the first Funds-Management server will release no more than the amount of the electronic certificate to deduct funds to the target account designated by First Participant.

[60] Further, after releasing funds not exceeding the amount of the electronic certificate, the state of the electronic certificate is changed to a failure state and the information of the funds deduction is recorded. Wherein, the withholding information includes at least one of the First Participant information, the deducted amount of funds and the target account information.

[61] S203: Deliver the electronic certificate information after the funds are deducted to the second Funds-Management server.

[62] After the First Funds-Management server deducted Funds from the target account specified by First Participant, deliver the electronic certificate information after the deduction of funds to the second Funds-Management server, so that the Third Participant confirms whether to continue the transaction with the Second Participant after obtaining the electronic certificate information. The electronic certificate information includes at least the credit limit, and the second Funds-Management server is the account administration server of the Third Participant.

[63] In the above solution, the first Funds-Management server responds to the request delivered by First Participant for deducting funds from the Second Participant account to the First Participant when the flow of funds of the Second Participant is abnormal;
after successfully deducting the funds from the specified account, the change information of the Second Participant account is notified to Third Participant through the account management server of Third Participant so that Third Participant can be promptly notified when the flow of Second Participant funds is abnormal, so as to effectively ensure that Third Participant's funds interests are not impaired.

[64] 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:

[65] S301: The First interacting party delivers a request to the First Service Party to increase the data value of at least part of the data of the second interactive data unit to a target data unit.

[66] When the second interacting party performs data interaction with the third interacting party and an abnormality occurs in the data unit of the second interacting party, the first interacting party delivers a request to the First Service Party to increase the data value of at least part of the data of the second interactive data unit to a target data unit. The target data unit is specified by the first interacting party.

[67] S302: the First Service Party, upon receiving the request, performs identity verification on the first interacting party.

[68] Upon receiving the request, the First Service Party performs identity verification on the identity information of the first interacting party to confirm whether the identity information of the first interacting party is true and confirm whether the data values that need to be added include at least part of the data value of the data certificate of the second interactive party.

[69] Where, when the First Service Party verifies that the data value of the second interacting party data unit except the data value of the data certificate is smaller than the data value to be added, the data value that needs to be added includes at least a part of the data value of the data certificate of the second interacting party.

[70] When the First Service Party confirms that the identity information of the First Participant is not true, it delivers an identity error message to First Participant to indicate that the First Participant identity information is incorrect.

[71] When the First Service Party confirms the identity information of the First interacting party, and confirms that the data value that needs to be increased includes at least part of the data value of the data certificate of the second interactive Party, the execution step S303.

[72] S303: When the First Server party passes the identity verification for the first interacting party and confirms that the data value that needs to be added includes at least a part of the data value of the data certificate of the second interacting party, the first data to be unlocked is not larger than the data value of the data certificate, so as to increase the data that is equal to the first data size to the target data unit, and transmit the data certificate =

information that is changed by data value to Second Service Party; wherein, the data certificate information at least includes a data value.

[73] When the First Service Party confirms that the identity information of the first interacting party is real, it invokes the data certificate of the second interacting party saved in advance to obtain the information contained in the data certificate and unlocks the first data that is not larger than the data value of the data certificate, to increase the data size equal to the first data size to the target data unit specified by the first interacting party. After that, the data certificate information that is changed by the data value is delivered to the Second Service Party. Wherein, the data certificate information includes at least the data value.

[74] S304: the Second Service Party delivers the received data certificate information to a third interactive party.

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

[76] S305: the third interaction party obtains the data certificate information.

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

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

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

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

[81] When the First Service Party passes identity verification for user A
and confirms that the password of the client that needs additional management authority includes the password of the management authority of at least part of the client in the data certificate of user B, calling user B's data certificate to obtain the password for managing all clients managed by user B, the password for unlocking some client's administrative privileges, and adding the password for managing the privileged clients for unlocked clients to the target data unit. At this point, User B's data certificate does not contain the password to unlock some of the client's administrative permissions.

[82] The First Service Party delivers the updated data certificate information of User B 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 B'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.

[83] In the above, User A has higher management authority than User B. When User B has abnormal account information, User A performs risk control on the data interaction between user C and User B, 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.

[84] Further, the requested data may also be text data, audio data, video data, program data or financial data in the fmancial field, etc. if it is the financial 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.

[85] In the above solution, when the data flow of the second interacting party is abnormal, the first interacting party increases the target data unit specified by the first interacting party from the data unit of the second interacting party by requesting the service party of the second interacting party data; after the service party of the second interacting party calls data certificate to successfully add data to the target data unit, the change information of the data certificate of the second interacting party is notified to the third interacting party through the service party of the third interacting party, when the data exchange between the two parties is abnormal, the third party is notified promptly to effectively avoid the data security risk of the third party.

[86] 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:

[87] S401: The First Service Party receives a request delivered by a first interacting party to increase a data value of at least a part of data of a second interacting party data unit to a target data unit, and performs identity verification on the first interacting party.

[88] When the second interacting party performs data interaction with the third interacting party and an abnormality occurs in the data unit of the second interacting party, the first interacting party delivers a request to the First Service Party to increase the data value of at least part of the data of the second interactive data unit to a target data unit. The target data unit is specified by the first interacting party. The First Service Party manages the data of the Second Participant's data unit.

[89] Upon receiving the request, the First Service Party performs identity verification on the information of the first interacting party to confirm whether the identity information of the first interacting party is true and confirm whether the data values that need to be added include at least part of the data value of the data certificate of the second interactive party.

[90] Where, when the First Service Party verifies that the data value of the second interacting party data unit except the data value of the data certificate is smaller than the data value to be added, the data value that needs to be added includes at least a part of the data value of the data certificate of the second interacting party.

[91] When the First Service Party confirms that the identity information of the First Participant is not true, it delivers an identity error message to First Participant to indicate that the First Participant identity information is incorrect.

[92] When the First Service Party confirms the identity information of the First interacting party, and the data value that needs to be increased includes at least part of the data value of the data certificate of the second interactive Party, the execution step S402.

[93] S402: When the identity verification passes and it is confirmed that the data value that needs to be added includes at least a part of the data value of the data certificate of the second interacting party, the first data not greater than the data certificate data value is unlocked to add a data value equal to the first data size to the target data unit.

[94] When the First Service Party confirms that the identity information of the first interacting party is real and confirms that the data value to be added needs to include at least part of the data valuesof the data certificate of the second interacting party, the data certificate of the second interacting party that is saved in advance is called to get the information contained in the data certificate. The data certificate information includes at least the data value.

[95] After acquiring the information contained in the data certificate, the First Service Party unlocks the first data whose size is not larger than the data certificate data value and adds the data with the same size as the first data to the target data unit designated by the first interacting party.

[96] S403: Deliver the data certificate information from the data value change to the Second Service Party.

[97] After that, the First Service Party delivers data certificate information whose data value is changed to the Second Service Party, so that when the third party receives the data certificate information delivered by the Second Service Party, the third party obtains the data certificate information, and then confirms whether to continue with the second interaction data exchange. Wherein, the data certificate information includes at least the data value.

[98] In the above solution, when the data flow of the second interacting party is abnormal, the First Service Party receives the data delivered from the first interacting party from the data unit of the second interacting party and adds the data to the target data unit designated by the first interacting party; after the First Service Party calls the data certificate of the second interacting party to successfully add data to the target data unit, the First Service Party notifies the third interacting party of the change information of the data certificate of the second interacting party through the service party of the third interacting party, when the data flow of the party is abnormal, it promptly notifies the third party to effectively avoid the data security risk problem of the third party.

[99] 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.

[100] The first interacting party is used to deliver a request to the First Service Party to increase the data value of at least part of the data of the second interactive data unit to a target data unit.

[101] The First Service Party is used to receive the request and perform identity verification on the first interacting party. When the identity verification of the first interacting party passes and it is confirmed that the data value to be added needs to include at least a part of the data value of the data certificate of the second interacting party, the first data not greater than the data certificate data value is unlocked, the target data unit adds a data value equal to the first data size and delivers the data certificate information whose data value is changed to the Second Service Party, where the data certificate information at least includes the data value.

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

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

[104] In the above solution, when the data flow of the second interacting party is abnormal, the First Service Party receives the data delivered from the first interacting party from the data unit of the second interacting party and adds the data to the target data unit designated by the first interacting party; after the First Service Party calls the data certificate of the second interacting party to successfully add data to the target data unit, the First Service Party notifies the third interacting party of the change information of the data certificate of the second interacting party through the service party of the third interacting party, when the data flow of the party is abnormal, it promptly notifies the third party to effectively avoid the data security risk problem of the third party.

[105] 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 verification module 720, a processing module 730, and a delivery module 740.

[106] The receiving module 710 is used to receive a request delivered by a first interacting party to increase a data value of at least a part of data of a second interacting party to a target data unit.

[107] The verification module 720 is used to perform identity verification on the first interacting party received by the receiving module 710 and confirm whether the data value that needs to be added includes at least a part of the data value of the data certificate of the second interacting party.

[108] The processing module 730 is used to: when the verification module 720 passes the identity verification and confirms that the data value that needs to be added includes at least a part of the data value of the data certificate of the second interacting party, the first data not greater than the data certificate data value is unlocked to add a data value equal to the first data size to the target data unit.

[109] The delivery module 740 is used to deliver data certificate information that is changed by data value to Second Service Party, where data certificate information includes at least data value.

[110] In the solution above, when the data flow of the second interaction party is abnormal, the data interaction processing device receives the data unit from the second interactive party sent by the first interaction party, and adds data to the target data unit specified by the first interactive party; After the data exchange processing device calls the data certificate of the second interacting party to successfully add data to the target data unit, the data interaction processing device notifies the third interacting party of the change information of the data certificate of the second interacting party through the service party of the third interacting party, when the data exchange between the two parties is abnormal, the third party is notified in time to effectively avoid the data security risk of the third party.

[111] A person of skill in the art considers the problems disclosed herein and sought to be solved by the present disclosure to be exclusively computer problems and contemplates only solutions to those problems that include essential computer elements. Abstract ideas, mere schemes, plans, rules, or mental processes that do not include computer elements are expressly excluded from this application.

[112] 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.
Date Recue/Date Received 2020-06-02

Claims (75)

Claims:

1. A computer implemented system for managing online funds in an electronic transaction, the system comprising:
a first terminal delivers a request for allocating funds from an account of a second terminal to a target account, wherein the target account is configured a receiving account designated by the first terminal;
a first funds-management server verifies identification of the first terminal when receiving and responding the request, wherein the first funds-management server is an account management server for the second terminal;
the first funds-management server unfreezes the amount of funds in the account of the second terminal for deducting the amount of funds to the target account, when the verification is passed, wherein the deducted amount of funds in the account of the second terminal is included a part of amount of funds in an electronic certificate;
the first funds-management server updates the electronic certificate after deduction and delivers the updated electronic certificate to a second funds-management server; and a third terminal acquires the updated electronic certificate sent by the second funds-management server, wherein the second funds-management server is an account management server for the third terminal;
wherein, if an amount of funds in the updated electronic certificate is less than an amount corresponding to commodities or services purchased by a participant, the third terminal declines further transactions in respect of the updated electronic certificate with the participant and recalls commodities that have already been delivered or ceases services.

2. The system of claim 1 further includes the first funds-management server changes a status of the electronic transaction as invalidity and records allocation information after allocating the amount of funds to the target account.

3. The system of claim 2, wherein the allocation information includes information of the first terminal.

4. The system of any one of claims 1 to 3, wherein the allocation information includes the amount limit of the funds for allocation.

5. The system of any one of claims 1 to 4, wherein the allocation information includes information of the target account.

6. The system of claim 1 further includes the first funds-management server delivers a notification that the allocation is completed to the first terminal.

7. The system of any one of claims 1 to 6, wherein the first funds-management server is the same server with the second funds-management server.

8. The system of any one of claims 1 to 7, wherein the first funds-management server is the server in a first financial institution.

9. The system of any one of claims 1 to 8, wherein the second funds-management server is the server in a second financial institution.

10. The system of any one of claims 1 to 9, wherein the first terminal is configured a terminal of a third-party authority having authority to freeze the funds.

11. The system of claim 10, wherein the third-party authority includes a customs office.

12. The system of claim 10, wherein the third-party authority includes a tax agency.

13. The system of any one of claims 1 to 12, wherein the funds for payment processing is deposits of the second terminal on the first funds-management server.

14. The system of any one of claims 1 to 12, wherein the funds for payment processing is credits of the second terminal on the first funds-management server.

15. The system of any one of claims 1 to 12, wherein the funds for payment processing is funds corresponding to the real estate mortgaged by of the second terminal on the first funds-management server.

16. A computer implemented method for managing online funds in an electronic transaction, applied in a first funds-management server, the method comprising:
receiving a request for allocating funds from an account of a second terminal to a target account, wherein the target account is configured a receiving account designated by the first terminal;
verifying identification of the first terminal when receiving and responding the request, wherein the first funds-management server is an account management server for the second teiminal;
unfreezing the amount of funds in the account of the second terminal for deducting the amount of funds to the target account, when the verification is passed, wherein the deducted amount of funds in the account of the second terminal is included a part of amount of funds in an electronic certificate;
updating the electronic certificate after deduction and delivers the updated electronic certificate to a second funds-management server; and if an amount of funds in the updated electronic certificate is less than an amount corresponding to commodities or services purchased by a participant, declining further transactions in respect of the updated electronic certificate with the participant and recalling commodities that have already been delivered or ceasing services.

17. The method of claim 16 further includes changing a status of the electronic transaction as invalidity and records allocation information after allocating the amount of funds to the target account.

18. The method of claim 16, wherein the allocation information includes information of the first terminal.

19. The method of any one of claims 16 to 18, wherein the allocation information includes the amount limit of the funds for allocation.

20. The method of any one of claims 16 to 19, wherein the allocation information includes information of the target account.

21. The method of claim 16 further includes the first funds-management server delivers a notification that the allocation is completed to the first terminal.

22. The method of any one of claims 16 to 21, wherein the first funds-management server is the same server with the second funds-management server.

23. The method of any one of claims 16 to 22, wherein the first funds-management server is the server in a first financial institution.

24. The method of any one of claims 16 to 23, wherein the second funds-management server is the server in a second financial institution.

25. The method of any one of claims 16 to 24, wherein the first terminal is configured a terminal of a third-party authority having authority to freeze the funds.

26. The method of claim 25, wherein the third-party authority includes a customs office.

27. The method of claim 25, wherein the third-party authority includes a tax agency.

28. The method of any one of claims 16 to 27, wherein the funds for payment processing is deposits of the second terminal on the first funds-management server.

29. The method of any one of claims 16 to 27, wherein the funds for payment processing is credits of the second terminal on the first funds-management server.

30. The method of any one of claims 16 to 27, wherein the funds for payment processing is funds corresponding to the real estate mortgaged by of the second terminal on the first funds-management server.

31. A data interaction processing system in an electronic transaction, the system comprising:
a first terminal delivers a request for adding funds from a data unit of a second terminal to a target data unit, wherein the target data unit is configured a receiving data unit designated by the first terminal;
a first server verifies identification of the first terminal when receiving and responding the request, wherein the first server is a data unit management server for the second terminal;
the first server unlocks the data value in the data unit of the second terminal for adding the data value to the target data unit, when the verification is passed, wherein the deducted data value in the data unit of the second terminal is included a part of amount of funds in a data certificate;

the first server updates the data certificate after adding the data value and delivers the updated data certificate to a second server; and a third terminal acquires the updated data certificate sent by the second server, wherein the second server is a data unit management server for the third terminal;
wherein, if an amount of funds in the updated data certificate is less than an amount corresponding to commodities or services purchased by a participant, the third terminal declines further transactions in respect of the updated data certificate with the participant and recalls commodities that have already been delivered or ceases services.

32. The system of claim 31 further includes the first server changes a status of the electronic transaction as invalidity and records the added data value after adding the data value to the target data unit.

33. The system of claim 32, wherein the added data value includes data of the first terminal.

34. The system of any one of claims 32 to 33, wherein the added data value includes the amount limit of the funds for added data value.

35. The system of any one of claims 32 to 34, wherein the added data value includes data of the target data unit.

36. The system of claim 31 further includes the first server delivers a notification that the added data value is completed to the first teiminal.

37. The system of any one of claims 31 to 36, wherein the first server is the same server with the second server.

38. The system of any one of claims 31 to 37, wherein the first server is the server in a first financial institution.

39. The system of any one of claims 31 to 38, wherein the second server is the server in a second financial institution.

40. The system of any one of claims 31 to 39, wherein the first terminal is configured a terminal of a third-party authority having authority to freeze the funds.

41. The system of claim 40, wherein the third-party authority includes a customs office.

42. The system of claim 40, wherein the third-party authority includes a tax agency.

43. The system of any one of claims 31 to 42, wherein the funds for payment processing is deposits of the second terminal on the first server.

44. The system of any one of claims 31 to 42, wherein the funds for payment processing is credits of the second terminal on the first server.

45. The system of any one of claims 31 to 42, wherein the funds for payment processing is funds corresponding to the real estate mortgaged by of the second terminal on the first server.

46. A data interaction processing method in an electronic transaction, applied in a server, the method comprising:
receiving a request for adding funds from a data unit of a second terminal to a target data unit, wherein the target data unit is configured a receiving data unit designated by the first terminal;
verifying identification of the first terminal when receiving and responding the request, wherein the first server is a data unit management server for the second terminal;

unlocking the data value in the data unit of the second terminal for adding the data value to the target data unit, when the verification is passed, wherein the deducted data value in the data unit of the second terminal is included a part of amount of funds in a data certificate;
updating the data certificate after adding the data value and delivers the updated data certificate to a second server;
if an amount of funds in the updated data certificate is less than an amount corresponding to commodities or services purchased by a participant, declining further transactions in respect of the updated data certificate with the participant and recalling commodities that have already been delivered or ceasing services.

47. The method of claim 46 further includes changing a status of the electronic transaction as invalidity and records the added data value after adding the data value to the target data unit.

48. The method of claim 46, wherein the added data value includes data of the first terminal.

49. The method of any one of claims 47 to 48, wherein the added data value includes the amount limit of the funds for added data value.

50. The method of any one of claims 47 to 49, wherein the added data value includes data of the target data unit.

51. The method of claim 46 further includes the first server delivers a notification that the added data value is completed to the first teiminal.

52. The method of any one of claims 46 to 51, wherein the first server is the same server with the second server.

53. The method of any one of claims 46 to 52, wherein the first server is the server in a first financial institution.

54. The method of any one of claims 46 to 53õ wherein the second server is the server in a second financial institution.

55. The method of any one of claims 46 to 54, wherein the first terminal is configured a terminal of a third-party authority having authority to freeze the funds.

56. The method of claim 55, wherein the third-party authority includes a customs office.

57. The method of claim 55, wherein the third-party authority includes a tax agency.

58. The method of any one of claims 46 to 57, wherein the funds for payment processing is deposits of the second terminal on the first server.

59. The method of any one of claims 46 to 57, wherein the funds for payment processing is credits of the second terminal on the first server.

60. The method of any one of claims 46 to 57, wherein the funds for payment processing is funds corresponding to the real estate mortgaged by of the second terminal on the first server.

61. A computer device for data interaction processing in an electronic transaction, the device comprising:
a receiving module configured to receive a request for adding funds from a data unit of a second terminal to a target data unit, wherein the target data unit is configured a receiving data unit designated by the first terminal;

a verifying module configured to verify identification of the first terminal when receiving and responding the request, wherein the first server is a data unit management server for the second terminal;
a processing module configured to unfreeze the data value in the data unit of the second terminal for adding the data value to the target data unit, when the verification is passed, wherein the deducted data value in the data unit of the second terminal is included a part of amount of funds in a data certificate;
a sending module configured to deliver the updated data certificate to a second server when updating the data certificate after adding the data value; and wherein, if an amount of funds in the updated data certificate is less than an amount corresponding to commodities or services purchased by a participant, the device declines further transactions in respect of the updated data certificate with the participant and recalls commodities that have already been delivered or ceases services.

62. The device of claim 61 further includes changing a status of the electronic transaction as invalidity and records the added data value after adding the data value to the target data unit.

63. The device of claim 62, wherein the added data value includes data of the first terminal.

64. The device of any one of claims 63 to 64, wherein the added data value includes the amount limit of the funds for added data value.

65. The device of any one of claims 63 to 65, wherein the added data value includes data of the target data unit.

66. The device of claim 61 further includes the first server delivers a notification that the added data value is completed to the first terininal.

67. The device of any one of claims 61 to 66, wherein the first server is the same server with the second server.

68. The device of any one of claims 61 to 67, wherein the first server is the server in a first financial institution.

69. The device of any one of claims 61 to 68, wherein the second server is the server in a second financial institution.

70. The device of any one of claims 61 to 69, wherein the first terminal is configured a terminal of a third-party authority having authority to freeze the funds.

71. The device of claim 70, wherein the third-party authority includes a customs office.

72. The device of claim 70, wherein the third-party authority includes a tax agency.

73. The device of any one of claims 61 to 72, wherein the funds for payment processing is deposits of the second terminal on the first server.

74. The device of any one of claims 61 to 72, wherein the funds for payment processing is credits of the second terminal on the first server.

75. The device of any one of claims 61 to 72, wherein the funds for payment processing is funds corresponding to the real estate mortgaged by of the second terminal on the first server.