CA2993244A1 - Money management server, and data processing method and system for issuing inter-bank electronic certificate - Google Patents
Money management server, and data processing method and system for issuing inter-bank electronic certificate Download PDFInfo
- Publication number
- CA2993244A1 CA2993244A1 CA2993244A CA2993244A CA2993244A1 CA 2993244 A1 CA2993244 A1 CA 2993244A1 CA 2993244 A CA2993244 A CA 2993244A CA 2993244 A CA2993244 A CA 2993244A CA 2993244 A1 CA2993244 A1 CA 2993244A1
- Authority
- CA
- Canada
- Prior art keywords
- funds
- management server
- issuing
- account
- credit
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000003672 processing method Methods 0.000 title claims abstract description 19
- 238000012545 processing Methods 0.000 claims abstract description 21
- 238000000034 method Methods 0.000 claims abstract description 14
- 230000008014 freezing Effects 0.000 claims description 27
- 238000007710 freezing Methods 0.000 claims description 27
- 238000010586 diagram Methods 0.000 description 4
- 238000012795 verification Methods 0.000 description 4
- 230000009286 beneficial effect Effects 0.000 description 2
- 238000004891 communication Methods 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 238000012546 transfer Methods 0.000 description 2
- 230000006399 behavior Effects 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
Classifications
-
- 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
- G06Q20/22—Payment schemes or models
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
A data processing method for issuing an inter-bank electronic certificate, a money management server, and a data processing system for issuing an inter-bank electronic certificate, the method comprising: a first money management server generates a certificate pre-issuing message and sends same to the second money management server (102); and after receiving a message that the second money management server has unfrozen an account, the first money management server issues an electronic certificate (104). The present method, by means of a first bank applying for an electronic certificate to be issued, and another bank simultaneously being designated the second money management server, enriches the scope of application for financial payment tools, thus improving the user experience and being convenient for the user.
Description
Money Management Server, And Data Processing Method And System For Issuing Inter-Bank Electronic Certificate Technical Field [0001] This application relates to the technical field of computer data processing, and in particular to a data processing method and system for Funds-Management server, electronic certificate inter-bank.
[0002] Background Technology
[0003] With the continuous development of computers, networks and modern communication technology, E-commerce applications have also gradually entered into tens of thousands of households and become one of the familiar transactions. E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informatization, reducing the cost of the transaction and improving the efficiency of the transaction.
[0004] However, in the current application of E-commerce, the transfer of funds mainly depends on the traditional way of electronic direct transfer payment and third-party payment. The transaction form is too simple and some potential business needs in the market cannot be met. Therefore, in order to better develop E-commerce, it is urgent to develop new financial payment tools.
[0005] However, when the existing electronic certificate is opened, the first Funds-Management server and the second Funds-Management server must be the same bank, which brings inconvenience to the users who handle the electronic certificate.
[0006] Summary of the Invention
[0007] The present application provides a Funds-Management server, inter-bank open electronic certificate data processing methods and systems.
[0008] According to a first aspect of the present application, the present application provides a data processing method for opening an electronic certificate across a bank, its characteristic is that, including:
[0009] The first Funds-Management server generates pre-issuing data information and delivers it to the second Funds-Management server;
[0010] After the first Funds-Management server receives the information that the second Funds-Management server froze the account opening credit amount or the credit limit, it opens an electronic certificate.
[0011] In the above method, before the first Funds-Management server generates pre-issuing data information and delivers the pre-issuing data to the second Funds-Management server, the method further includes: the first Funds-Management server receives the data information of the issuing request delivered by the client and generates the pre-issuing data information according to the data information of the issuing request.
[0012] According to a second aspect of the present application, the present application provides a data processing method for an inter-bank electronic certificate, including:
[0013] The first Funds-Management server generates pre-issuing data information and delivers it to the second Funds-Management server;
[0014] The second Funds-Management server receives the pre-issuing card data delivered by the first Funds-Management server;
[0015] The second Funds-Management server freezes the amount of the opening credits or the credit limit;
[0016] The second Funds-Management server notifies the first Funds-Management server of the information of freezing the amount of the account opening certificate or the credit limit of the credit;
[0017] After the first Funds-Management server receives the information that the second Funds-Management server froze the account opening credit amount or the credit limit, it opens an electronic certificate.
[0018] In the above method, before the first Funds-Management server generates the pre-issuing certification data information and delivers the information to the second Funds-Management server, the method further includes:
[0019] The client generates the issuing request data information and delivers it to the first Funds-Management server;
[0020] The first Funds-Management server generates the pre-issuing certification data information according to the issuing certification data information.
[0021] In the above method, the second Funds-Management server freezing the amount of the opening credits or the credit limit, specifically includes:
[0022] The second Funds-Management server determines whether the account has sufficient funds or credit limits;
[0023] If yes, issue a request for freezing the amount of the credit card issuing account or the credit limit to the client;
[0024] The client agrees to notify the second Funds-Management server;
[0025] The second Funds-Management server receives an instruction that the client agrees to freeze the amount of the account opening credit or the credit limit of the account, and then freeze the account opening amount or the credit limit of the credit.
[0026] According to a third aspect of the present application, the present application provides a data processing method for an interbank electronic certificate, including:
[0027] The issuing bank generates pre-issuing data information and deliver it to the paying bank;
[0028] The payment bank receives the pre-issuing data information delivered by the issuing bank;
[0029] The payment bank to freeze the account opening amount or credit limit of the account opened by the payment bank;
[0030] The payment bank notify the issuing bank of the amount of the funds for the freezing of the account or the information of the credit limit.
[0031] After receiving the information on the amount of the funds or the amount of the credit, the issuing bank opens electronic certificate.
[0032] According to a fourth aspect of the present application, the present application provides a Funds-Management server, including a delivering module and a processing module;
[0033] The delivering module is used to generate pre-issuing data information and deliver it to the second Funds-Management server;
[0034] The processing module is used to open an electronic certificate after receiving the second Funds-Management server information of freezing funds or credit of the account.
[0035] According to a fifth aspect of the present application, the present application provides a data processing system for electronic certificate inter-bank communication, including a first Funds-Management server and a second Funds-Management server;
[0036] The first Funds-Management server is used to generate pre-issuing data information and delivers it to the second Funds-Management server;
[0037] The second Funds-Management server is used to receive the pre-issuing certification data delivered by the first Funds-Management server, freeze the amount of the account opening certificate or the credit limit, and informing the first Funds-Management server of the information of freezing the amount of the account opening certificate or the credit limit of the account;
[0038] The first Funds-Management server is also used to issue an electronic certificate after receiving the information that the second Funds-Management server froze the account opening amount of the account or the credit limit used.
[0039] The above system, also includes a client;
[0040] The second Funds-Management server is also used to confirm whether the account has a sufficient amount of funds or a credit limit, and if yes, issue a request for freezing the amount of the credit card issuance account or the credit limit for credit limit to the client;
[0041] The client is used to notify the second Funds-Management server after the consent of the , freezing account opening amount or the credit limit.
[0042] The second Funds-Management server is further configured to freeze the account funds or credit after receiving an instruction that the client agrees to freeze the account opening credit limit or the credit limit.
[0043] According to a sixth aspect of the present application, the present application provides a data processing system for electronic certificate inter-banking, including a first Funds-Management server and a second Funds-Management server; the first Funds-Management server includes a first memory and a first processor, the first memory is used to store first computer instructions, the second Funds-Management server includes a second memory and a second processor, and the second memory is used to store a second computer. The first processor is used to execute, according to the first computer instruction, the second processor according to the second computer instruction to execute the following step:
[0044] The first Funds-Management server generates pre-issuing data information and delivers it to the second Funds-Management server;
[0045] The second Funds-Management server receives the pre-issuing card data delivered by the first Funds-Management server;
[0046] The second Funds-Management server freezes the amount of the opening credits or the credit limit;
[0047] The second Funds-Management server notifies the first Funds-Management server of the information of the frozen account;
[0048] After the first Funds-Management server receives the information that the second Funds-Management server froze the account opening credit amount or the credit limit, it opens an electronic certificate.
[0049] As a result of the adoption of the above technical scheme, the beneficial effect of this application is that:
[0050] In the example of the present application, since the first Funds-Management server generates the pre-issuing certification data and delivers it to the second Funds-Management server, the first Funds-Management server receives the information of the second Funds-Management server to freeze the account and then opens an electronic certificate.
This application enriches the application scenarios of financial payment instruments by facilitating the application of an electronic certificate at a bank and designating another bank as the second Funds-Management server, which is convenient for users and improves the user experience.
This application enriches the application scenarios of financial payment instruments by facilitating the application of an electronic certificate at a bank and designating another bank as the second Funds-Management server, which is convenient for users and improves the user experience.
[0051] Brief Description
[0052] Figure 1 is a flow chart of an example of a data processing method for inter-bay electronic certificate application according to the present application;
[0053] Figure 2 is a flow chart of another example of the data processing method for inter-bank electronic certificate according to the present application;
[0054] Figure 3 is a flow chart of another example of the data processing method for opening an electronic certificate in this application;
[0055] Figure 4 is a flow chart of another example of the data processing method for opening an electronic certificate in this application;
[0056] Figure 5 is a schematic structural diagram of a Funds-Management server according to an example of the present application;
[0057] Figure 6 is a schematic structural diagram of an example of a data processing system for opening an interbank electronic certificate according to the present application;
[0058] Figure 7 is a schematic diagram of another structure of an example of a data processing system for cross-opening electronic certificate according to the present application.
[0059] Description of the Preferred Examples
[0060] The present application will be further described in detail below with reference to the accompanying drawings through specific examples.
[0061] The electronic certificate is the electronic commitment payment certificate which the bank undertakes to pay the funds according to the agreed terms, it refers to the electronic certificate issued by the bank according to the amount of funds or credit limit required by the application of the applicant, and the bank undertakes to handle the payment and settlement in accordance with the agreed terms.
[0062] The usual business process for electronic certificate is the issuing bank freeze the required amount of funds in accordance with the issuer's application to open an electronic certificate, and after receiving the certificate from the receiving bank, the issuing bank pay and settle the payment by the issuing bank to the receiving bank.
[0063] Example 1:
[0064] As shown in Figure 1, an example of the data processing method for interbank electronic certificate application of the present application includes the following steps:
[0065] Step 102: the first Funds-Management server generates pre-issuing data information and delivers it to the second Funds-Management server. The first Funds-Management server is an issuing bank server, and the second Funds-Management server is a payment bank server.
In this example, an issuing bank and a bank with different payment behaviours are provided. The information of the pre-issuing card information at least includes the issuing account and the amount of the issuing or supporting credit.
In this example, an issuing bank and a bank with different payment behaviours are provided. The information of the pre-issuing card information at least includes the issuing account and the amount of the issuing or supporting credit.
[0066] Step 104: After the first Funds-Management server receives the information that the second Funds-Management server froze the account opening credit amount or the credit limit, it opens an electronic certificate.
[0067] Wherein, before step 102, the following pre-process may further be included:
[0068] The first Funds-Management server receives the issuing request data information delivered by the client and generates the pre-issuing certification data information according to the issuing request data information.
[0069] The issuing request data information includes the issuer's identity information and payment account information. It can also include information such as the recipient's name, cellphone, email, ID card, WeChat, QQ number and other information that can be used by the recipient, the recipient's account (deposit account), so that facilitate the recipient to receive timely electronic certificate. The buyer may also not specify the recipient, so that anyone who obtains the electronic certificate can receive the electronic certificate.
[0070] Example 2:
[0071] As shown in Figure 2, an example of the data processing method for interbank electronic certificate application of the present application includes the following steps:
[0072] Step 202: the first Funds-Management server generates pre-issuing data information and delivers it to the second Funds-Management server.
[0073] Step 204: the second Funds-Management server receives the pre-issuing certification data delivered by the first Funds-Management server.
[0074] Step 206: the second Funds-Management server freezes the amount of the opening credits or the credit limit.
[0075] Step 206 may specifically include:
[0076] The second Funds-Management server confirms whether the account has sufficient funds or credit;
[0077] If yes, a request for freezing the amount of the issuing bank account or credit limit is issued to the requesting terminal of the data; if the account does not have enough funds or credit to inform the data requesting terminal;
[0078] After requesting data terminal agreed to notify the new Funds -Management server;
[0079] The second Funds-Management server freeze the account after receiving the data requesting terminal agreed to freeze the account opening amount of funds or credit limit.
[0080] Step 208: the second Funds-Management server notifies the first Funds-Management server of the information of freezing the amount of the credit card account or the credit limit of the credit card.
[0081] Step 210: After the first Funds-Management server receives the information that the second Funds-Management server froze the account opening credit amount or the credit limit, it opens an electronic certificate.
[0082] Before step 202, the following steps may also be performed:
[0083] The data requesting terminal generates the issuing request data information and delivers it to the first Funds-Management server. The data requesting terminal client, the client delivers the card request data information to the issuing bank through the data requesting terminal;
[0084] The issuing number generates the pre-issuing card data information according to the issuing request data information.
[0085] As shown in Figure 3, an example of the data processing method for interbank electronic certificate application of the present application includes the following steps:
[0086] Step 302: the data requesting terminal generates the issuing request.
[0087] The issuing request includes the issuer's identity information and payment account information. It can also include information such as the recipient's name, cellphone, email, ID card, WeChat, QQ number and other information that can be used by the recipient, the recipient's account (deposit account), so that facilitate the recipient to receive timely electronic certificate. The buyer may also not specify the recipient, so that anyone who obtains the electronic certificate can receive the electronic certificate.
[0088] Step 304: the first Funds-Management server receives the issuing request data information, obtains the information in the data information, generates the pre-issuing certification data information, and delivers the information to the second Funds-Management server.
[0089] The issuing bank verifies the identity card information of the issuer in advance. The verification at this place may have the following situations: the first verification situation refers to whether the issuer has the account opening information at the first Funds-Management server, and the second verification situation refers to whether the issuing applicant is valid or not, that is, real-name certification, it does not require the issuer in the first Funds-Management server must have an account; the third verification refers to determine whether the applicant has a bad credit record. Is it a white list or a blacklist user.
[0090] Step 306: the second Funds-Management server receives the pre-issuing card data information, retrieves the account information of the card issuer, and determines whether the amount of the card issuance amount or the credit limit in the account is enough? If not enough, then the feedback results to the client. If enough, then step 308 is performed.
[0091] Step 308: the second Funds-Management server generates an instruction for freezing the amount of the credit card issuance account or the credit limit of the account, and delivers the instruction to the data requesting terminal. If debit card is used, the funds in the debit card will be frozen, such as the use of credit cards, and the credit card is frozen for use.
[0092] Step 310: the data requesting terminal receives the freezing information generated by the second Funds-Management server, and determines whether the freezing information is agreed with. If yes, the second Funds-Management server is notified to execute step 312;
otherwise, it ends.
otherwise, it ends.
[0093] Step 312: the second Funds-Management server obtains the confirmation freeze information of the requesting terminal, executes the freeze instruction, and notifies the first Funds-Management server of the freeze instruction.
[0094] Step 314: the first Funds-Management server, combined with the issuer's request and the information of the second Funds-Management server freezing the credit limit or the credit limit, and open an electronic certificate that carries the conditional commitment to pay of the first Funds-Management server and the second Funds-Management server.
[0095] After receiving the electronic certificate, the user fulfils the conditions attached to the electronic certificate and may request to be released and allocated to the second Funds-Management server. If the second Funds-Management server cannot be executed in time, the first Funds- Management server pay, and later the first Funds-Management server recovers to the second Funds-Management server.
[0096] If the user goes to ICBC and requests to freeze the deposit funds or credit limit in his account based on his own deposited funds or credit limit under the Ping An Bank account, and open an electronic certificate. In this way, it can be understood that the user may belong to the high-end customer base of Ping An Bank with various benefits; or the user is accustomed to Ping An Bank to provide financial payment service; or the user only has an account of Ping An Bank and so on.
[0097] Another example is the user's funds scattered in a number of bank accounts, the funds of all the accounts can be freely allocated according to the requirements of a bank, and no need to go through the Banks to open the certificate. That is, it is in a bank window to complete a number of banks to open the issuing business.
[0098] The entire program is like an interbank withdrawals situation. A new program to open electronic certificate is provided, which enriches the transaction methods in modern E-commerce.
[0099] Example 3:
[0100] As shown in Figure 4, an example of the data processing method for interbank electronic certificate application of the present application includes the following steps:
[0101] Step 402: the issuing bank generates pre-issuing data information and delivers it to the paying bank. Issuing bank and payment bank are different banks, the information of the pre-issuing card information at least includes the issuing account and the amount of the issuing or supporting credit.
[0102] 404: the payment bank receives the pre-issuing card data delivered by the issuing bank.
[0103] Step 406: the payment bank froze the account issuing amount or credit limit of the account.
[0104] Step 408: the payment bank notifies the issuing bank of the amount of the funds for the freezing of the account or the issuing bank is notified by the information of the credit limit.
[0105] Step 410: after receiving the information on the amount of the funds or the amount of the credit, the issuing bank opens electronic certificate.
[0106] Example 4:
[0107] As shown in Figure 5, Figure 5 is a schematic structural diagram of a Funds-Management server in an implementation manner. In this example, the Funds-Management server is the issuing bank server, that is, the first Funds-Management server 10. In an implementation manner, the first Funds-Management server includes a delivering module 11 and a processing module 12. The delivering module 11 is used to generate pre-issuing data information and deliver the pre-issuing data to a second Funds-Management server. The processing module 12 is used to receive an electronic certificate after receiving the second Funds-Management server's information of freezing the account funds or credit.
[0108] In an implementation manner, the processing module 12 is also used to receive the issuing request data information delivered by the data requesting terminal, and generate the pre-issuing certification first data information according to the issuing request data information.
[0109] Example 5:
[0110] As shown in Figure 6, an example of a data processing system for interbank electronic certificate opening according to the present application includes a first Funds-Management server 10 and a second Funds-Management server 20. The first Funds-Management server is used to generate pre-issuing data information and deliver the pre-issuing data to the second Funds-Management server 20. The second Funds-Management server 20 is used to receive pre-issuing data information delivered by the first Funds-Management server 10, and freeze account, and notify the first Funds-Management server 10 of the information of the frozen account. The first Funds-Management server 10 may be also used to issue electronic certificate after receiving the information on the frozen account of the second Funds-Management server 20.
[0111] In an implementation manner, the data processing system for interbank electronic certificate of the present application may further include a data requesting terminal 30. The second Funds-Management server 20 is also used to confirm whether the account has sufficient funds or credit, and if so, issue a request for freezing the account to the requesting terminal 30; a data requesting terminal 30 is used to notify the second Funds-Management server 20 after agreeing to freeze the account; the second Funds-Management server 20 is also used to freeze the account after receiving the data requesting terminal 30 to freeze the account.
[0112] Example 6:
[0113] As shown in Figure 7, another example of a data processing system for electronic certificate interbank in this application includes a first Funds-Management server 10 and a second Funds-Management server 20. The first Funds-Management server 10 includes a first memory 13 and a first processor 14. The first memory 13 is used to store first computer instructions. The second Funds-Management server 20 includes a second memory 23 and a second processor 24. The second memory 23 is used to store a second computer instruction. The first processor 14 is used to, according to the first computer instruction, the second processor 24 is used to execute the following steps according to the second computer instruction with reference to Figure 2:
[0114] Step 202: the first Funds-Management server generates pre-issuing data information and delivers it to the second Funds-Management server.
[0115] Step 204: the second Funds-Management server receives the pre-issuing certification data delivered by the first Funds-Management server.
[0116] Step 206: the second Funds-Management server freezes the amount of the opening credits or the credit limit.
[0117] The step 206 may specifically include:
[0118] The second Funds-Management server confirms whether the account has sufficient funds or credit;
[0119] If yes, a request for freezing the amount of the issuing bank account or the credit limit is issued to the requesting terminal; if the account has insufficient funds or credit, the client is notified;
[0120] The client agrees to notify the second Funds-Management server;
[0121] After the second Funds-Management server receives an instruction that the client agrees to freeze the account, the second Funds-Management server may freeze the account opening amount or the credit limit of the account.
[0122] Step 208: the second Funds-Management server notifies the first Funds-Management server of the information of freezing the amount of the credit card account or the credit limit of the credit card;
[0123] Step 210: the first Funds-Management server issue an electronic certificate after receiving the information of the second Funds-Management server frozen account.
[0124] Before step 202, the following steps may be further included:
[0125] The data requesting terminal generates the issuing request data information and delivers it to the first Funds-Management server;
[0126] The issuing number generates the pre-issuing card data information according to the issuing request data information.
[0127] The foregoing is a further detailed description of the present application in conjunction with specific implementation manners, and it should not be considered that the specific implementation of the present application is limited to these descriptions.
For the general technical personnel in the technical field of this application, a number of simple deduction or replacement can be made without leaving the application of the invention.
Technical problem Problem solving solution The beneficial effect of the invention
For the general technical personnel in the technical field of this application, a number of simple deduction or replacement can be made without leaving the application of the invention.
Technical problem Problem solving solution The beneficial effect of the invention
Claims (10)
- The Claims [Claims 1] An interbank electronic certificate data processing method, its characteristic is that, including:
The first Funds-Management server generates the pre-opened certification data information and delivers it to the second Funds-Management server.
After the first Funds-Management server receives the information that the second Funds-Management server froze the account opening credit amount or the credit limit, it opens an electronic certificate. - [Claim 2] The method of Claim 1, wherein before the first Funds-Management server generates pre-issuing data information and delivers it to the second Funds-Management server, include:
The first Funds-Management server receives the issuing request data information delivered by the client and generates the pre-issuing certification data information according to the issuing request data information.
[Claims 3] An interbank electronic certificate data processing method, its characteristic is that, including:
The first Funds-Management server generates the pre-opened certification data information and delivers it to the second Funds-Management server. - The second Funds-Management server receives the pre-issuing card data delivered by the first Funds-Management server;
The second Funds-Management server freezes the amount of the opening credits or the credit limit;
The second Funds-Management server notifies the first Funds-Management server of the information of freezing the amount of the account opening certificate or the credit limit of the credit;
After the first Funds-Management server receives the information that the second Funds-Management server froze the account opening credit amount or the credit limit, it opens an electronic certificate. - [Claim 4] According to the method for processing interbank electronic certificate data in Claim 3, wherein before the first Funds-Management server generates the pre-issuing certification data information and delivers it to the second Funds-Management server, it also includes:
The client generates the issuing request data information and delivers the information to the first Funds-Management server.
The first Funds-Management server generates the pre-issuing certification data information according to the issuing certification data information. - [Claim 5] According to the method for processing data for interbank electronic certificate as claimed in Claim 4, its characteristic is that, wherein the freezing of the second Funds-Management server by the second Funds-Management server or the credit limit of the credit limit includes:
The second Funds-Management server determines whether the account has sufficient funds or credit limit;
If yes, issue a request for freezing the amount of the credit card issuing account or the credit limit to the client;
The client agrees to notify the second Funds-Management server;
The second Funds-Management server receives an instruction that the client agrees to freeze the amount of the account opening credit or the credit limit of the account, and then freeze the account opening amount or the credit limit of the credit. - [Claim 6] An interbank electronic certificate data processing method, its characteristic is that, including:
The issuing bank generates the pre-issuing data information and delivers the pre-issuing data to the payment bank; the payment bank receives the pre-issuing data information delivered by the issuing bank;
The payment bank freezing the account opening amount or the credit limit of the account;
The payment bank notifies the issuing bank of the amount of the credit limit or the amount of the credit limit to be frozen;
After receiving the information on the amount of the funds or the amount of the credit, the issuing bank opens electronic certificate. - [Claim 7] A Funds-Management server, its characteristic is that, including a delivering module and a processing module;
The delivering module is used to generate pre-issuing data information and deliver the pre-issuing data to a second Funds-Management server;
The processing module is used to open an electronic certificate after receiving the second Funds-Management server information of freezing funds or credit of the account. - [Claim 8] A data processing system for electronic certificate interbank, including: a first Funds-Management server and a second Funds-Management server;
The first Funds-Management server is used to generate pre-issuing data information and deliver the pre-issuing data to the second Funds-Management server;
The second Funds-Management server is used to receive the pre-issuing certification data delivered by the first Funds-Management server, freeze the amount of the account opening certificate or the credit limit, and informing the first Funds-Management server of the information of freezing the amount of the account opening certificate or the credit limit of the account;
The first Funds-Management server is also used to issue an electronic certificate after receiving the information that the second Funds-Management server froze the account opening amount of the account or the credit limit used. - [Claim 9] According to the data processing system for interbank electronic certificate opening in Claim 8, its characteristic is that, it also includes a client;
The second Funds-Management server is also used to confirm whether the account has a sufficient amount of funds or a credit limit, and if yes, issue a request for freezing the amount of the credit card issuance account or the credit limit for credit limit to the client;
The client is used to notify the second Funds-Management server after the consent of the freezing account opening amount or the credit limit;
The second Funds-Management server is further configured to freeze the account funds or credit after receiving an instruction that the client agrees to freeze the account opening credit limit or the credit limit. - [Claim 10] A data processing system for electronic certificate interbank, including: a first Funds-Management server and a second Funds-Management server;
The first Funds-Management server includes a first memory and a first processor, the first memory is used to store first computer instructions, the second Funds-Management server includes a second memory and a second processor, and the second memory is used to store a second computer. The first processor is used to execute, according to the first computer instruction, the second processor according to the second computer instruction to execute the following step:
The first Funds-Management server generates the pre-opened certification data information and delivers it to the second Funds-Management server.
The second Funds-Management server receives the pre-issuing card data delivered by the first Funds-Management server;
The second Funds-Management server freezes the amount of the opening credits or the credit limit;
The second Funds-Management server notifies the first Funds-Management server of the information of the frozen account;
After the first Funds-Management server receives the information that the second Funds-Management server froze the account opening credit amount or the credit limit, it opens an electronic certificate.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084574 WO2017012005A1 (en) | 2015-07-21 | 2015-07-21 | Money management server, and data processing method and system for issuing inter-bank electronic certificate |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA2993244A1 true CA2993244A1 (en) | 2017-01-26 |
Family
ID=57833639
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2993244A Pending CA2993244A1 (en) | 2015-07-21 | 2015-07-21 | Money management server, and data processing method and system for issuing inter-bank electronic certificate |
Country Status (2)
| Country | Link |
|---|---|
| CA (1) | CA2993244A1 (en) |
| WO (1) | WO2017012005A1 (en) |
Families Citing this family (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110175831B (en) * | 2019-04-23 | 2023-09-29 | 创新先进技术有限公司 | Credit transfer method and device based on blockchain and electronic equipment |
| CN111489252B (en) * | 2020-04-08 | 2023-04-04 | 中国银行股份有限公司 | Deposit certification opening method and device based on alliance chain |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN101345898A (en) * | 2007-07-11 | 2009-01-14 | 北京方维银通科技有限公司 | Electronic warrant payment platform, system and method |
| US20140214675A1 (en) * | 2013-01-25 | 2014-07-31 | Pankaj Sharma | Push payment system and method |
| CN103827903A (en) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | Internet payment method and system |
| CN104574178A (en) * | 2013-10-14 | 2015-04-29 | 中兴通讯股份有限公司 | Trading method and device for cardless cash withdrawal |
-
2015
- 2015-07-21 CA CA2993244A patent/CA2993244A1/en active Pending
- 2015-07-21 WO PCT/CN2015/084574 patent/WO2017012005A1/en active Application Filing
Also Published As
| Publication number | Publication date |
|---|---|
| WO2017012005A1 (en) | 2017-01-26 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CA2988443A1 (en) | Cross-funds management server-based payment system, and method, device and server | |
| CA2988813A1 (en) | Cross-funds management server-based payment system, and method, device and server therefor | |
| CA2986838A1 (en) | Payment system based on shared funds-management server, and method, device and server therefor | |
| CA2988809C (en) | Cross-funds management server-based payment system, and method, device and server therefor | |
| CA3058560C (en) | Cross-funds management server-based payment system, and method, device and server therefor | |
| CA2993244A1 (en) | Money management server, and data processing method and system for issuing inter-bank electronic certificate | |
| CA2988818C (en) | Cross-funds management server-based payment system, and method, device and server | |
| CA3063551C (en) | Data processing method and system for substituted issuing of electronic certificate, and money management server | |
| CA2987449C (en) | Payment system based on different funds-management servers, and payment method, device and server therefor | |
| CA2987700A1 (en) | Cross-funds management server-based payment system, method, device and server | |
| CA3055644C (en) | Payment system based on shared funds-management server, and method, device and server therefor | |
| CA2993254C (en) | Money management server, and data processing method and system for organising issuing of certificate | |
| CA2986818A1 (en) | Payment system based on different funds servers, and payment method, device and server therefor | |
| CA2988428A1 (en) | Payment system based on different funds-management servers, and payment method, device and server therefor | |
| CA2987660A1 (en) | Payment system based on shared funds-management server, and method, device and server therefor | |
| CA2994570C (en) | Electronic certificate-based discount method and device | |
| CA2994574C (en) | Electronic certificate fulfillment information transmission method, device and system | |
| CA3094229A1 (en) | Cross-funds management server-based payment system, and method, device and server therefor | |
| CA2986814C (en) | Payment system based on different funds servers, and payment method, device and server therefor | |
| CA2993589C (en) | Certificate issuing server, and data processing method and system for issuing certificate via invitation of certificate receiving bank | |
| CN106372923A (en) | Certificate receiving method, apparatus, and system | |
| CA3082139C (en) | Payment system based on shared funds-management server, and method, device and server therefor | |
| JP2015143928A (en) | Electronic recording credit processing system, method, and program | |
| CA2993103A1 (en) | Electronic certificate receiving method, device and system | |
| CA2986817A1 (en) | Payment system based on different funds servers, and payment method, device and server therefor |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| EEER | Examination request |
Effective date: 20200715 |
|
| EEER | Examination request |
Effective date: 20200715 |
|
| EEER | Examination request |
Effective date: 20200715 |
|
| EEER | Examination request |
Effective date: 20200715 |
|
| EEER | Examination request |
Effective date: 20200715 |
|
| EEER | Examination request |
Effective date: 20200715 |
|
| EEER | Examination request |
Effective date: 20200715 |
|
| EEER | Examination request |
Effective date: 20200715 |
|
| EEER | Examination request |
Effective date: 20200715 |
|
| EEER | Examination request |
Effective date: 20200715 |