CA2993526C - Method, system, and device for electronic certificate modification and data exchange and processing - Google Patents

Method, system, and device for electronic certificate modification and data exchange and processing Download PDF

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CA2993526C
CA2993526C CA2993526A CA2993526A CA2993526C CA 2993526 C CA2993526 C CA 2993526C CA 2993526 A CA2993526 A CA 2993526A CA 2993526 A CA2993526 A CA 2993526A CA 2993526 C CA2993526 C CA 2993526C
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information
server
funds
terminal
data
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CA2993526A1 (en
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Yi Zhang
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10353744 Canada Ltd
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10353744 Canada Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures

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  • Accounting & Taxation (AREA)
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  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A method, system, and device for electronic certificate modification and data exchange and processing. The method for electronic certificate modification comprises: when an electronic certificate transmitted by a first fund management server is received by a second fund management server, a second terminal transmits to the second fund management server request information for modifying the receiving end of the electronic certificate to a third fund management server (101); the second fund management server receives the request information and transmits the request information and the electronic certificate to the third fund management server (102); and the third fund management server receives the request information and the electronic certificate and modify receiving end information of the electronic certificate on the basis of the request information (103). The degree of flexibility of the means of payment collection is increased by such means for a user of the second terminal.

Description

Method, System, And Device For Electronic Certificate Modification And Data Exchange And Processing [I] [Technical Field]
[2] The present invention relates to the field of electronic commerce, and in particular, to a method, system and device for changing electronic certificate and data interaction.
[3] [Background Technology]
[4] E-commerce has become increasingly widely used in a variety of commercial trade activities, the so-called E-commerce is a business operation model that based on the browser and server applications helps consumer realize online shopping, online transactions between merchants and online electronic payments, as well as a variety of business activities, trading activities, financial activities and related integrated service activities in the commercial trade, and in the Internet open network environment.
[5] The current online electronic payment or online payment methods mainly include bank online banking payment (including credit card payment) and third-party payment.
However, the credit bottleneck in the settlement process of on-line electronic payment (network payment) is always an obstacle in the development process of E-commerce.
[6] In the current on-line electronic payment method, it is less risky to guarantee the company with a third party payment company. However, in the form of guarantee by a third-party payment company, when the payer completes the payment operation, the payee will not be able to change the payee bank until the payee receives the funds, and the payee bank cannot be able to change the receivable bank, and cannot provide the way to deal with the change of the receivable bank because of the abnormal situation.
[7] In addition, with the development of Internet technology, especially mobile Internet technology, users can use the 2G, 3G, 4G or WiFi mobile devices to transmit data and interact with each other. In the process of data interaction, a similar situation is also encountered.
[8] [Summary of the Invention]
[9] The main object of the present invention is to provide a method, system and device for electronic certificate change and data interaction processing that enable a second terminal user to arbitrarily change, through a second terminal, a server that receives electronic commitment payment certificate of the target data to through the server to receive the corresponding target data, the second terminal to receive data in a more flexible way.
[10] One technical solution adopted in the present invention is to provide a method for changing an electronic certificate, which includes: after the second terminal receives an electronic certificate delivered by a first Funds-Management server, the second Funds-Management server delivers a request for changing the receiving terminal of the electronic certificate to the third Funds-Management server, where the electronic certificate requests the first Funds-Management server for the first terminal user's account funds or credit limit as a deposit. The second Funds-Management server receives the request information and delivers the request information and the electronic certificate to the third Funds-Management server; and the third Funds-Management server receives the request information and electronic certificate, and change the recipient information of the electronic certificate according to the request information.
[11] Another technical solution adopted by the present invention is to provide a method for changing an electronic certificate, which is applied to a second Funds-Management server.
The method includes: after receives an electronic certificate delivered by a first Funds-Management server, receiving the request message for changing the recipient of the electronic certificate delivered by the second terminal to the third Funds-Management server; where the electronic certificate requests the first Funds-Management server for the first terminal user's account funds or credit limit as a deposit. The second Funds-Management server receives the request information and delivers the request information and the electronic certificate to the third Funds-Management server; and the third Funds-Management server change the recipient information of the electronic certificate according to the request information.
[12] Another technical solution adopted by the present invention is to provide a method for changing an electronic certificate applied to a third Funds-Management server.
The method includes: the third Funds-Management server receives the request information and the electronic certificate delivered by the second funds server, and changes the receiving terminal information of the electronic certificate according to the request information;
wherein, the electronic certificate is the electronic commitment payment certificate that the first terminal user applies to the first Funds-Management server with his account fund or credit limit as a security deposit and is opened by the first Funds-Management server and delivered to the second fund server; The request message is delivered to the second Funds-Management server after the second terminal receives the electronic certificate delivered by the first Funds-Management server from the second Funds-Management server terminal. The request information includes the receiving requesting to change the electronic certificate as the third Funds-Management server.
[13] Another technical solution adopted by the present invention is to provide an electronic certificate changing system, which includes a second terminal, a second Funds-Management server, and a third Funds-Management server. The second terminal is used to receive the electronic certificate delivered by the first Funds-Management server in the second Funds-Management server, delver the second Funds-Management server request message for changing the recipient of the electronic certificate to the third Funds-Management server; Wherein, electronic certificate is the electronic commitment payment certificate issued by the first terminal user through the first terminal to the first Funds-Management server and the first Funds-Management server; the second Funds-Management server is used to receive request information and deliver request information and electronic certificate to the third Funds-Management server;
and third Funds-Management server is used to receive request information and electronic certificate, and change the receiving terminal information of electronic certificate according to the request information.
[14] Another technical solution adopted by the present invention is to provide an electronic certificate changing device applied to a second Funds-Management server. The device includes a receiving module and a delivering module. The receiving module is used to after receives an electronic certificate delivered by a first Funds-Management server, receiving the request message for changing the recipient of the electronic certificate delivered by the second terminal to the third Funds-Management server; where the electronic certificate requests the first Funds-Management server for the first terminal user's account funds or credit limit as a deposit; and the delivering module is used to receive the request information and delivers the request information and the electronic certificate to the third Funds-Management server; and the third Funds-Management server change the recipient information of the electronic certificate according to the request information.
[15] Another technical solution adopted by the present invention is to provide an electronic certificate alteration device applied to a third Funds-Management server, the device including a receiving module and a processing module; the receiving module is used to receive the request information and electronic certificate delivered by the second Funds-Management serve; the processing module is used to change the receiving terminal information of the electronic certificate according to the request information; wherein, the electronic certificate is the electronic commitment payment certificate that the first terminal user applies to the first Funds-Management server with his account fund or credit limit as a security deposit and is opened by the first Funds-Management server and delivered to the second fund server; The request message is delivered to the second Funds-Management server after the second terminal receives the electronic certificate delivered by the first Funds-Management server from the second Funds-Management server terminal. The request information includes the receiving requesting to change the electronic certificate as the third Funds-Management server.
[16] Another technical solution adopted by the present invention is to provide a data interaction processing method, which includes: after the second terminal receives the electronic certificate delivered by the First Server, the second terminal delivers to the Second Server a receiving terminal for changing the electronic certificate which is the request information of the Third Server. The data certificate is a quantitative tool used by the first terminal as the data association relationship established between the data initiator and the First Server.
The Second Server receives the request information and delivers the request information and the data certificate to the third server. And the Third Server receives the request information and the data certificate, and changes the receiving terminal information of the data certificate according to the request information.
[17] Another technical solution adopted by the present invention is to provide a data interaction processing method applied to a second terminal, where the method includes:
After receiving the electronic certificate delivered by the First Server, the Second Server receives the request message delivered by the second terminal to change the receiving terminal of the electronic certificate to the third server, where the data certificate is a quantitative tool used by the first terminal as the data association between the data initiator and the first server; Second Server receives the request information and delivers the request information and the data certificate to the third server, so that the Third Server changes the receiving terminal information of the data certificate according to the request information.
[18] Another technical solution adopted by the present invention is to provide a data exchange system, which includes: a second terminal, a Second Server and a third server;
the second terminal is used to: after the second terminal receives the electronic certificate delivered by the First Server, the second terminal delivers to the Second Server a receiving terminal for changing the electronic certificate which is the request information of the Third Server. The data certificate is a quantitative tool used by the first terminal as the data association relationship established between the data initiator and the First Server. The Second Server is used to receive the request information and delivers the request information and the data certificate to the third server. And the Third Server is used to receive the request information and the data certificate, and changes the receiving terminal information of the data certificate according to the request information.
[19] Another technical solution adopted by the present invention is to provide a data interaction processing device applied to a Second Server, in which the device includes a receiving module and a delivering module. The receiving module is used to receive the request information of Third Server after receiving the data certificate delivered by First Server and receiving the change data certificate delivered by the second terminal, where the data certificate is a quantitative tool of the First terminal as a pre-established data association relationship between data initiator and First Server; and the delivering module is used to deliver the request information and data certificate to Third Server so that Third Server changes the receiving terminal information of the data certificate based on the request information.
[20] Different from the existing technology, in the present invention, after receiving the electronic certificate delivered by the first Funds-Management server, the second terminal in this invention delivers the receiving terminal of the change electronic certificate to the second Funds-Management server as the request information of the third Funds-Management server; the second Funds-Management server receiving the request information and delivering the request information and the electronic certificate to the third Funds-Management server; and the third Funds-Management server receiving the request information and the electronic certificate, and change the receiving terminal information of electronic certificate according to the request information. In this way, the second terminal can flexibly change its collected Funds-Management server and the corresponding account, thereby ensuring that the second terminal fails in the abnormal connection with the first Funds-Management server or if the first Funds-Management server fails, it can also receive payments through other Funds-Management servers. In addition, in the present invention.
after receiving the data certificate delivered by the First Server, the second terminal delivers to the Second Server a request message for changing the receiver of the data certificate to the third server, where the data certificate is the data certificate is a quantitative tool used by the first terminal as the data association relationship established between the data initiator and the First Server. The Second Server receives the request information and delivers the request information and the data certificate to the third server.
And the Third Server receives the request information and the data certificate, and changes the receiving terminal information of the data certificate according to the request information. In this way, the second terminal user can arbitrarily change, by using the second terminal, the server that receives the data certificate of the target data, so as to receive the corresponding target data through the server, thereby ensuring that when the second terminal fails or the connection with the Second Server is abnormal, the data certificate may be received by the third server, so that the second terminal may receive data more flexibly.
[21] [Brief Description]
[22] Figure 1 is a flow chart of a first example of a method for changing an electronic certificate according to the present invention;
[23] Figure 2 is a flow chart of a second example of an electronic certificate alteration method according to the present invention;
[24] Figure 3 is a flowchart of a third example of a method for changing an electronic certificate according to the present invention;
[25] Figure 4 is a schematic structural diagram of an example of an electronic certificate alteration system according to the present invention;
[26] Figure 5 is a schematic structural view of a first example of an electronic certificate alteration device according to the present invention;
[27] Figure 6 is another structural schematic diagram of a first example of an electronic certificate alteration device according to the present invention;
[28] Figure 7 is a structural schematic diagram of a second example of an electronic certificate alteration device according to the present invention;
[29] Figure 8 is another structural schematic diagram of a second example of an electronic certificate alteration device according to the present invention;
[30] Figure 9 is a flowchart of a first example of a data interaction processing method according to the present invention;
[31] Figure 10 is a flowchart of a first example of a data interaction processing method according to the present invention;
[32] Figure 11 is a schematic structural diagram of a data interaction processing system in an example of the present invention.
[33] Figure 12 is a schematic structural diagram of a first example of a data interaction processing device according to the present invention.
[34] [Description of the Preferred Examples]
[35] 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.
[36] Please refer to Figure 1, a flowchart of a first example of an electronic certificate alteration method according to the present invention includes:
[37] Step 101: After receiving the electronic certificate delivered by the first Funds-Management server, the second terminal delivers the second Funds-Management server the receiving terminal for changing the electronic certificate as the third Funds-Management server request information.
[38] Wherein, the electronic certificate refers to the application of the first Funds-Management server to freeze the corresponding Funds or credit limit of the first terminal user account in accordance with the application of the first terminal user, and open it in the name of the first funds-management server, and commit to settle in accordance with the agreed conditions. The basic business process of the electronic certificate is as follows: the first Funds-Management server freezes the required amount of funds according to the application of the first terminal user to open the electronic certificate.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
[39] In this implementation manner, before step 101, the second Funds-Management server has received the electronic certificate delivered by the first Funds-Management server. In other examples, if the second terminal delivers an electronic certificate to the second Funds-Management server when the request message is delivered, the second Funds-Management server does not receive the electronic certificate delivered by the second Funds-Management server, and the second Funds-Management server may feedback the message that it did not receive the electronic certificate to the second terminal, so that the second terminal can deliver the receiving terminal of the change electronic certificate to the second fun-management server for the third Funds-Management server request information.
[40] Step 102: the second Funds-Management server receives the request information, and delivers the request information and the electronic certificate to the third Funds-Management server.
[41] Before step 102, the method may further include the following steps:
the second Funds-Management server verifies the status of the electronic certificate, and delivers a request message and an electronic certificate to the third Funds-Management server after the verification succeeds.
[42] In this example, the status of the electronic certificate is electronic certificate information, and the electronic certificate information includes basic information of the first terminal, the first Funds-Management server, the second terminal, and the second Funds-Management server, and the second of course, the electronic certificate information also includes the quota information of the electronic certificate, the clearing information, the issuing time and the expiration date of the electronic certificate, and of course, the issuing time and the expiration date can also be directly replaced by the expiration time.
[43] The status of the verification electronic certificate specifically includes: the second Funds-Management server determines whether the electronic certificate exceeds the validity period according to the issuing time and validity of the electronic certificate , and determines whether the second Funds-Management server receives the funds equal to the value of the electronic certificate issued by the first Funds-Management server according to the quota information and the settlement information of the electronic certificate.
[44] In the above authentication process, if the electronic certificate is valid and the second Funds-Management server does not receive the funds equal to the value of the electronic certificate and issued by the first Funds-Management server, the second Funds-Management server delivers the third Funds- -Management server delivers the electronic certificate information, and changes the receiving terminal of the electronic certificate to the notification information of the third Funds-Management server.
[45] In the above verification process, if the electronic certificate is invalid or the second Funds-Management server has received the first Funds-Management server payment equal to the value of the electronic certificate, the second Funds-Management server delivers verification failure to the second terminal, the second terminal cannot change the receiving terminal of the more electronic certificate for the third Funds-Management server.
[46] Step 103: the third Funds-Management server receives the request message and the electronic certificate, and changes the receiving terminal information of the electronic certificate according to the request message.
[47] Step 103 specifically includes: the third Funds-Management server receives the request information and electronic certificate, and verifies the status of the electronic certificate, and changes the receiving terminal information of electronic certificate according to the request information after verification.
[48] The process of verifying the electronic certificate is similar to the verification process of the second Funds-Management server mentioned above, and details are not described herein again. After the verification fails, the third Funds-Management server returns the electronic certificate and the verification failure message to the second Funds-Management server, and may also deliver the second terminal a message indicating that the verification fails.
[49] After step 103, the method may further include:
[50] Step 104: the third Funds-Management server delivers the electronic certificate change information to the first Funds-Management server, the second Funds-Management server, and the second terminal.
[51] After step 104 is completed, the second terminal may deliver the second account information of the second terminal user to the third Funds-Management server, and the second Funds-Management server stops executing the service corresponding to the electronic certificate. In other examples, the second account information of the second terminal user may be delivered together when the second terminal delivers the request information to the second Funds-Management server.
[52] After the step 104 is completed, after the first Funds-Management server receives the electronic certificate change information, when the first Funds-Management server needs to issue funds equal to the value of the electronic certificate to the second Funds-Management server, the first Funds-Management server will distribute the funds to the third Funds-Management server according to the change information of the electronic certificate, so that the third Funds-Management server will release the funds to the second terminal user's second account.
[53] In a specific example, 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, and the third Funds-Management server is the Funds-Management server of the third bank; the first terminal is terminal A, the first terminal user is User A, the second terminal is terminal B, and the second terminal user is User B.
[54] Electronic certificate refers to the electronic commitment payment certificate that the first bank opens on the application of the User A, or uses the credit limit and opens in the name of the first bank, and promises to settle according to the agreed conditions.
The basic business process of electronic certificate: the first bank will freeze the required amount of funds according to the application of User A to open an electronic certificate. When agreed terms of settlement are reached, the first bank will pay the funds for payment and settlement.
[55] When User A needs to transfer Y100,000 funds to User B, it first applies the terminal A to the first bank to open an electronic certificate worth Y100,000, and sets up user B's bank, account number and the validity period of electronic certificate. Wherein, the User A open the electronic certificate worth Y100,000 on the premise that the User A in the first bank deposits, lines of credit or other forms of assets worth at least more than Y100,000, after the opening of the electronic certificate, the first The bank froze User A's worth of Y100,000 in First Bank.
[56] In the general process, the first bank delivers the electronic certificate to the second hank, the second bank receives the electronic certificate and delivers the electronic certificate information to the terminal B, and the User B confirms the information and applies for commissioning the second bank to receive funds; the first bank then release Y100,000 of funds, and transferred to the second bank, the second bank and then transferred Y100,000 to the User B's first account.
[57] In this implementation manner, after the first bank delivers the electronic certificate to the second bank, the second bank receives the electronic certificate and delivers the electronic certificate information to the terminal B, and for some reasons, the User B
needs to receive the electronic certificate through a third bank for some reasons and transfer Y100,000 to his second account through the third bank. The User B delivers the second bank the request information for changing the receiving terminal of the electronic certificate to the third bank to the second bank through the terminal B. In response to the request message, the second bank delivers an electronic certificate and the request message to the third bank when it is determined that the electronic certificate has not expired, and that the second bank has not received the first bank-issued fund equal in value to the electronic certificate.
After determining that the electronic certificate has not expired, the third bank changes the receiving terminal information of the electronic certificate and delivers the change information to the first bank, the second bank and the terminal B. After receiving the information, user B sets his own receiving account as the second account and delivers the information to the third bank through terminal B. When the third bank receives the first bank and the electronic certificate issued by the equivalent value of Y100,000, the 100,000 will be issued to the User B's second account.
[58] In the above solution, when the first terminal makes a payment to the second terminal, the first terminal needs to open an electronic certificate in the first Funds-Management server and deliver the second certificate to the second Funds-Management server. The second fund server delivers the electronic certificate information to the second terminal, when the electronic certificate is valid and the electronic certificate is not cleared, the second terminal may change the receiving terminal of the electronic certificate to the third Funds-Management server, and receive funds equal to the value of the electronic certificate through the third Funds-Management server, and allocate funds to the corresponding account of the second terminal. In the above way, the second terminal can flexibly change its collection fund server and the corresponding account, so as to ensure that the second terminal can receive the payment under abnormal conditions.
[59] Please refer to Figure 2, a flowchart of a second example of an electronic certificate alteration method according to the present invention is applied to a second Funds-Management server. The method includes:
[60] Step 201: After receiving the electronic certificate delivered by the first Funds-Management server, the second Funds-Management server receives the request message for changing the receiving terminal of the electronic certificate delivered by the second terminal to the third Funds-Management server.
[61] Wherein, the electronic certificate refers to the application of the first Funds-Management server to freeze the corresponding Funds or credit limit of the first terminal user account in accordance with the application of the first terminal user, and open it in the name of the first funds-management server, and commit to settle in accordance with the agreed conditions. The basic business process of the electronic certificate is as follows: the first Funds-Management server freezes the required amount of funds according to the application of the first terminal user to open the electronic certificate.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
[62] Step 202: After receiving the request information, the second Funds-Management server delivers the request information and the electronic certificate to the third Funds-Management server, so that the third Funds-Management server changes the receiving terminal information of the electronic certificate according to the request information.
[63] Before step 202, the method may further include the following steps:
the second Funds-Management server verifies the status of the electronic certificate, and delivers a request message and an electronic certificate to the third Funds-Management server after the verification succeeds.
[64] This example is based on the implementation manner of the second Funds-Management server in the first example, and details are not described herein again.
[65] Please refer to Figure 3, a flowchart of a third example of an electronic certificate alteration method according to the present invention is applied to a third Funds-Management server.
The method includes:
[66] Step 301: the third Funds-Management server receives the request information and the electronic certificate delivered by the second funds server, and changes the receiving terminal information of the electronic certificate according to the request information.
[67] Wherein, the electronic certificate refers to the application of the first Funds-Management server to freeze the corresponding Funds or credit limit of the first terminal user account in accordance with the application of the first terminal user, and open it in the name of the first funds-management server, and commit to settle in accordance with the agreed conditions. The basic business process of the electronic certificate is as follows: the first Funds-Management server freezes the required amount of funds according to the application of the first terminal user to open the electronic certificate.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement. The request message is delivered by the second terminal to the second Funds-Management server after the second terminal receives the electronic certificate delivered by the first Funds-Management server from the second Funds-Management server. The request message includes the receiving terminal of the request for change of electronic certificate for the third Funds-Management server.
[68] Wherein, Step 301 specifically includes: the third Funds-Management server receives the request information and electronic certificate, and verifies the status of the electronic certificate, and changes the receiving terminal information of electronic certificate according to the request information after verification.
[69] After step 301, the method further includes step 302: the third Funds-Management server delivers the electronic certificate change information to the first Funds-Management server, the second Funds-Management server, and the second terminal.
[70] This example is based on the implementation manner of the second Funds-Management server in the first example, and details are not described herein again.
[71] Please refer to Figure 4, a schematic structural diagram of an example of an electronic certificate alteration system 400 according to the present invention includes a second terminal 405, a second Funds-Management server 402, and a third Funds-Management server 403.
[72] The second terminal 405 is used to receive the electronic certificate delivered by the first Funds-Management server 401 in the second fun-management server 402, deliver the receiving terminal of the change electronic certificate to the second Funds-Management server402 for the request information of the third Funds-Management server403;
[73] Wherein, the electronic certificate refers to the application of the first Funds-Management server to freeze the corresponding Funds or credit limit of the first terminal user account in accordance with the application of the first terminal user, and open it in the name of the first funds-management server, and commit to settle in accordance with the agreed conditions. The basic business process of the electronic certificate is as follows: the first Funds-Management server freezes the required amount of funds according to the application of the first terminal user to open the electronic certificate.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
[74] The second Funds-Management server 402 is used to receive the request message and deliver the request message and the electronic certificate to the third Funds-Management server 403.
[75] The third Funds-Management server 403 is used to receive the request information and the electronic certificate, and change the receiving terminal information of the electronic certificate according to the request information.
[76] This example is based on a system of the first example of the method for changing an electronic certificate, and details are not described herein again.
[77] Please refer to Figure 5, a schematic structural diagram of a first example of an electronic certificate alteration device according to the present invention is shown. The device 500 is a second Funds-Management server. The device 500 includes a receiving module 501 and a processing module 502.
[78] The receiving module 501 is used to receive, after receiving the electronic certificate delivered by the first Funds-Management server, the request message for receiving the third Funds-Management server from the receiving terminal delivered by the second terminal for changing the electronic certificate.
[79] Wherein, the electronic certificate refers to the application of the first Funds-Management server to freeze the corresponding Funds or credit limit of the first terminal user account in accordance with the application of the first terminal user, and open it in the name of the first funds-management server, and commit to settle in accordance with the agreed conditions. The basic business process of the electronic certificate is as follows: the first Funds-Management server freezes the required amount of funds according to the application of the first terminal user to open the electronic certificate.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
[80] The delivering module 502 is used to deliver request information and an electronic certificate to the third Funds-Management server after receiving the request information, so that the third Funds-Management server changes the receiving terminal information of the electronic certificate according to the request information.
[81] As shown in Figure 6, in another implementation, the device 600 includes a receiving module 601, a verification module 602, and a delivering module 603.
[82] The receiving module 601 is used to receive, after receiving the electronic certificate delivered by the first Funds-Management server, the request message for receiving the third Funds-Management server from the receiving terminal delivered by the second terminal for changing the electronic certificate.
[83] Wherein, the electronic certificate refers to the application of the first Funds-Management server to freeze the corresponding Funds or credit limit of the first terminal user account in accordance with the application of the first terminal user, and open it in the name of the first funds-management server, and commit to settle in accordance with the agreed conditions. The basic business process of the electronic certificate is as follows: the first Funds-Management server freezes the required amount of funds according to the application of the first terminal user to open the electronic certificate.
When the agreed settlement conditions are reached, the Funds-Management server will release the funds to handle payment and settlement.
[84] The verification module 602 is uscd to verify the status of the electronic certificate, and deliver the request message and the electronic certificate to the third Funds-Management server when the verification succeeds.
[85] The delivering module 603 is used to deliver request information and an electronic certificate to the third Funds-Management server after receiving the request information, so that the third Funds-Management server changes the receiving terminal information of the electronic certificate according to the request information.
[86] This example is based on a device of the second Funds-Management server in the first example, and details are not described herein again.
[87] Please refer to Figure 7, a schematic structural diagram of a first example of an electronic certificate alteration device according to the present invention is shown. The device 700 is a second Funds-Management server. The device 700 includes a receiving module 701 and a processing module 702.
[88] The receiving module 701 is used to receive the request information and the electronic certificate delivered by the second funds server.
[89] The processing module 702 is used to change receiving terminal information of the electronic certificate according to the request information.
[90] Wherein, wherein, the electronic certificate is the electronic commitment payment certificate that the first terminal user applies to the first Funds-Management server with his account fund or credit limit as a security deposit and is opened by the first Funds-Management server and delivered to the second fund server; the request message is delivered to the second Funds-Management server after the second terminal receives the electronic certificate delivered by the first Funds-Management server from the second Funds-Management server terminal. The request information includes the receiving requesting to change the electronic certificate as the third Funds-Management server.
[91] As shown in Figure 8, in another implementation, the device 800 includes a receiving module 801, a verification module 802, a processing module 803, and a delivery module 804.
[92] The receiving module 801 is used to receive the request information and the electronic certificate delivered by the second funds server.
[93] The verification module 802 is used for verifying the status of the electronic certificate.

After the verification is passed, the receiving terminal of the electronic certificate is changed.
[94] The processing module 803 is used to change receiving terminal information of the electronic certificate according to the request information.
[95] The delivering module 804 is used to deliver the electronic certificate change information to the first Funds-Management server, the second Funds-Management server, and the second terminal.
[96] Wherein, wherein, the electronic certificate is the electronic commitment payment certificate that the first terminal user applies to the first Funds-Management server with his account fund or credit limit as a security deposit and is opened by the first Funds-Management server and delivered to the second fund server; the request message is delivered to the second Funds-Management server after the second terminal receives the electronic certificate delivered by the first Funds-Management server from the second Funds-Management server terminal. The request information includes the receiving requesting to change the electronic certificate as the third Funds-Management server.
[97] Please refer g to Figure 9, a flowchart of a first example of a data interaction processing method according to the present invention includes:
[98] Step 901: After receiving the data certificate delivered by the First Server, the second terminal delivers a request for changing the second data server to the third server from the Second Server.
[99] Wherein, data certificate is a quantitative tool used by the first terminal as the pre-established data association between the data initiator and the First Server.
[100] Step 902: Second Server receives the request message and delivers the request message and data certificate to the third server.
[101] Step 903: The Third Server receives the request message and the data certificate, and changes the receiving terminal of the data certificate according to the request message.
[102] The following uses data exchange as an example to illustrate this example:
[103] First, User A has the ability to manage the terminal 1 through a password, such as the ability to use the password to log in to the management system through terminal I .
[104] When User A needs User B to manage the system, User A makes an application to server 1 based on the password, creates a password certificate by server 1, and delivers the password certificate to server 2.
[105] In general, the server 2 delivers the password to the in the terminal 2 after receiving the password delivered by the server 1 according to the password certificate, and the User B
can log on to the management system on terminal 2 through this password.
[106] In this example, the above procedure may not be completed normally due to the abnormality of the terminal 2 or the server 2, and the User B delivers a request message to the server 2 through the terminal 2 to change the receiving terminal of the password certificate to the server 3. After receiving the request information, the server 2 delivers the password certificate and the request information to the server 3, and the server 3 changes the password certificate receiving server to the server 3 according to the request information.
[107] Therefore, when the server 1 needs to deliver the password to the server 2, the server 1 delivers the password to the server 3, and the server 3 delivers the password to the terminal 2 again. The User B obtains the management authority of the management system.
[108] In the above solution, after receiving the data certificate delivered by the First Server, the second terminal delivers to the Second Server a request message for changing the receiver of the data certificate to the third server, where the data certificate is the data certificate is a quantitative tool used by the first terminal as the data association relationship established between the data initiator and the First Server. The Second Server receives the request information and delivers the request information and the data certificate to the third server.
And the Third Server receives the request information and the data certificate, and changes the receiving terminal information of the data certificate according to the request information. In this way, the second terminal user can arbitrarily change, by using the second terminal, the server that receives the data certificate of the target data. so as to receive the corresponding target data through the server, thereby ensuring that when the second terminal fails or the connection with the Second Server is abnormal, the data certificate may be received by the third server, so that the second terminal may receive data more flexibly.
[109] Please refer to Figure 10, a flowchart of a first example of a data interaction processing method according to the present invention is applied to a Second Server. The method includes:
[110] Step 1001: After receiving the data certificate delivered by the First Server, the Second Server receives the request message delivered by the second terminal for changing the data certificate to the third server.
[1 1 1] Wherein, data certificate is a quantitative tool used by the first terminal as the pre-established data association between the data initiator and the First Server.
[112] Step 1002: Second Server receives the request information and delivers the request information and the data certificate to the third server, so that the third server changes the receiving terminal information of the data certificate according to the request information.

[113] Please refer to Figure 11, a schematic structural diagram of an example of a data interaction processing system according to the present invention includes a second terminal 1105, a Second Server 1102, and a third server 1103.
[114] The second terminal 1105 is used to deliver, after receiving the data certificate delivered by the First Server 1102, the Second Server 1102 to the Second Server 1102, request information for changing the receiving terminal of the data certificate to the third server 1103.
[115] Wherein, data certificate is a quantitative tool used by the first terminal 1104 as the data association pre-established between the data initiator and the First Server 1101.
[116] Second Server 1102 is used to receive the request message and deliver the request message and the data certificate to Third Server 1103; and Third Server 1103 is used to receive the request message and the data certificate, and change the receiving terminal message of the data certificate according to the request message.
[117] Please refer Figure 12, a schematic structural diagram of an example of a data interaction processing device according to the present invention is shown. The device includes a receiving module 1201 and a delivering module 1202.
[118] The receiving module 1201 is used to receive, after receiving the data certificate delivered by the First Server, a request message that the receiver terminal for changing the data certificate and delivered by the second terminal device is the third server request.
[119] Wherein, data certificate is a quantitative tool used by the first terminal as the pre-established data association between the data initiator and the First Server.
[120] The delivering module 1202 is used to deliver the request information and the data certificate to the third server, so that the third server changes receiving terminal information of the data certificate according to the request information.
[121] 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.
[122] 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 2020-06-01

Claims (230)

Claims:
1. A computer implemented system for changing an electronic certificate in an electronic transaction, the system comprising:
a second terminal configured to deliver a request for changing a receiving terminal from a second Funds-Management server to a third Funds-Management server, when the second Funds-Management server receiving the electronic certificate delivered by a first Funds-Management server, wherein the electronic certificate is issued by the first Funds-Management server based on freezing an amount of funds of a balance amount or a credit loan limit as a margin in an account of the first terminal, wherein the electronic certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first funds-management server to commit to settle in accordance with agreed conditions, and wherein infoimation of the electronic certificate includes information of the first terminal, the first funds-management server, the second terminal, and the second funds-management server;
the second Funds-Management server configured to deliver the request information and the received electronic certificate to the third Funds-Management server when receiving the request information; and the third Funds-Management server configured to:
change the receiving terminal information in the electronic certificate according to the request information;
change account information of the second terminal;
deliver updated information of the electronic transaction to the first Funds-Management server, the second Funds-Management server, and the second terminal respectively; and Date Recue/Date Received 2022-10-24 the first funds-management server unfreezes the amount of funds equal to value of the updated information of the electronic certificate and transfers the amount of funds from the account of the first terminal to the third funds-management server.
2. The system of claim 1, wherein the second Funds-Management server is further configured to verify information of the electronic certificate before delivering the request and the electronic certificate to the third Funds-Management server.
3. The system of claim 1, wherein the third Funds-Management server is further configured to verify the information of the electronic certificate before changing the receiving terminal information of the electronic certificate.
4. The system of any one of claims 2 to 3, wherein the information of the electronic certificate includes basic information of the first terminal.
5. The system of any one of claims 2 to 4, wherein the information of the electronic certificate includes basic information of the first Funds-Management server.
6. The system of any one of claims 2 to 5, wherein the information of the electronic certificate includes basic information of the second terminal.
7. The system of any one of claims 2 to 6, wherein the information of the electronic certificate includes basic information of the second Funds-Management server.
8. The system of any one of claims 2 to 7, wherein the information of the electronic certificate includes an account information of the second terminal.
9. The system of any one of claims 2 to 8, wherein the information of the electronic certificate includes credit limit information of the electronic certificate.
10. The system of any one of claims 2 to 9, wherein the information of the electronic certificate includes clearing information.

Date Recue/Date Received 2022-10-24
11. The system of any one of claims 2 to 10, wherein the information of the electronic certificate includes an issued date.
12. The system of any one of claims 2 to 11, wherein the information of the electronic certificate includes a validity period.
13. The system of any one of claims 2 to 11, wherein the information of the electronic certificate includes an expired date.
14. The system of claim 2, wherein the second Funds-Management server is further configured to:
determine whether the electronic certificate is expired according to the issued date and validity period of the electronic certificate, and determine whether the received amount of funds by the second Funds-Management server equal to the corresponding amount of the funds in the electronic certificate issued by the first Funds-Management server according to credit limit information and clearing information of the electronic certificate.
15. The system of any one of claims 2 and 14, wherein the second Funds-Management server is further configured to deliver a notification for verification failure to the second terminal to reject the request.
16. The system of claim 3, wherein the third Funds-Management server is further configured to determine whether the electronic certificate is expired according to the issued date and validity period of the electronic certificate, and Date Recue/Date Received 2022-10-24 determine whether the received amount of funds by the second Funds-Management server equal to the corresponding amount of the funds in the electronic certificate issued by the first Funds-Management server according to credit limit information and clearing information of the electronic certificate.
17. The system of any one of claims 3 and 16, wherein the third Funds-Management server is further configured to deliver a notification for verification failure to the second terminal to reject the request.
18. The system of claim 1, wherein the second terminal is further configured to deliver second account information of the second terminal to the third Funds-Management server.
19. The system of claim 1, wherein the first Funds-Management server is further configured to transfer the amount of funds from the account of the first terminal to the third Funds-Management server.
20. The system of any one of claims 1 and 19, wherein the third Funds-Management server is further configured to transfer the received amount of funds to the second account of the second terminal.
21. The system of claim 1, wherein the first Funds-Management server is configured a server in a first bank.
22. The system of claim 1, wherein the second Funds-Management server is configured a server in a second bank.
23. The system of claim 1, wherein the third Funds-Management server is configured a server in a third bank.
24. A computer implemented method for changing an electronic certificate in an electronic transaction, the method comprising:

Date Recue/Date Received 2022-10-24 delivering a request for changing a receiving terminal from a second Funds-Management server to a third Funds-Management server, when the second Funds-Management server receiving the electronic certificate delivered by a first Funds-Management server, wherein the electronic certificate is issued by the first Funds-Management server based on freezing an amount of funds of a balance amount or a credit loan limit as a margin in an account of the first terminal, wherein the electronic certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first funds-management server to commit to settle in accordance with agreed conditions, and wherein information of the electronic certificate includes information of the first terminal, the first funds-management server, a second terminal, and the second funds-management server;
changing the receiving terminal information in the electronic certificate according to the request information;
changing account information of the second terminal;
delivering updated information of the electronic transaction to the first Funds-Management server, the second Funds-Management server, and the second terminal respectively;
delivering the request information and the received electronic certificate to the third Funds-Management server; and unfreezing the amount of funds equal to value of the updated information of the electronic certificate and transferring the amount of funds from the account of the first terminal to the third funds-management server..

Date Recue/Date Received 2022-10-24
25. The method of claim 24 further includes verifying information of the electronic certificate before delivering the request and the electronic certificate to the third Funds-Management server.
26. The method of claim 24 further includes verifying the information of the electronic certificate before changing the receiving terminal information of the electronic certificate.
27. The method of any one of claims 25 to 26, wherein the information of the electronic certificate includes basic information of the first terminal.
28. The method of any one of claims 25 to 27, wherein the information of the electronic certificate includes basic information of the first Funds-Management server.
29. The method of any one of claims 25 to 28, wherein the information of the elec1Tonic certificate includes basic information of the second terminal.
30. The method of any one of claims 25 to 29, wherein the information of the electronic certificate includes basic information of the second Funds-Management server.
31. The method of any one of claims 25 to 30, wherein the information of the electronic certificate includes an account information of the second terminal.
32. The method of any one of claims 25 to 31, wherein the information of the electronic certificate includes credit limit information of the electronic certificate.
33. The method of any one of claims 25 to 32, wherein the information of the electronic certificate includes clearing information.
34. The method of any one of claims 25 to 33, wherein the information of the electronic certificate includes an issued date.

Date Recue/Date Received 2022-10-24
35. The method of any one of claims 25 to 34,wherein the information of the electronic certificate includes a validity period.
36. The method of any one of claims 25 to 34, wherein the information of the electronic certificate includes an expired date.
37. The method of claim 25 further includes:
determining whether the electronic certificate is expired according to the issued date and validity period of the electronic certificate, and determining whether the received amount of funds by the second Funds-Management server equal to the corresponding amount of the funds in the electronic certificate issued by the first Funds-Management server according to credit limit information and clearing information of the electronic certificate.
38. The method of any one of claims 25 and 37 further includes delivering a notification for verification failure to the second terminal to reject the request.
39. The method of claim 26 further includes:
determining whether the electronic certificate is expired according to the issued date and validity period of the electronic certificate, and determining whether the received amount of funds by the second Funds-Management server equal to the corresponding amount of the funds in the electronic certificate issued by the first Funds-Management server according to credit limit information and clearing information of the electronic certificate.
40. The method of any one of claims 26 and 39 further includes delivering a notification for verification failure to the second terminal to reject the request.

Date Recue/Date Received 2022-10-24
41. The method of claim 24, further includes delivering second account information of the second terminal to the third Funds-Management server.
42. The method of claim 24, further includes transferring the amount of funds from the account of the first terminal to the third Funds-Management server.
43. The method of any one of claims 24 and 42, further includes transferring the received amount of funds to the second account of the second terminal.
44. The method of claim 24, wherein the first Funds-Management server is configured a server in a first bank.
45. The method of claim 24, wherein the second Funds-Management server is configured a server in a second bank.
46. The method of claim 24, wherein the third Funds-Management server is configured a server in a third bank.
47. A computer implemented method for changing an electronic certificate in an electronic transaction, applied in a second Funds-Management server, the method comprising:
Date Recue/Date Received 2022-10-24 after receiving the electronic certificate delivered by a first Funds-Management server, delivering the received electronic certificate to a third Funds-Management server, wherein the electronic certificate is issued by the first Funds-Management server based on freezing an amount of funds of a balance amount or a credit loan limit as a margin in an account of a first terminal, wherein the electronic certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first funds-management server to commit to settle in accordance with agreed conditions, and wherein information of the electronic certificate includes information of the first terminal, the first funds-management server, a second terminal, and the second funds-management server; and after receiving a request for changing a receiving terminal delivered by the second terminal, delivering the request and the electronic certificate to the third Funds-Management server, so that the third Funds-Management server changes the receiving terminal information of the electronic certificate according to the request information, changes account information of the second terminal and for the first funds-management server to unfreeze the amount of funds equal to value of updated information of the electronic certificate and to transfer the amount of funds from the account of the first terminal to the third funds-management server.
48. The method of claim 47 further includes verifying information of the electronic certificate before delivering the request and the electronic certificate to the third Funds-Management server.
49. The method of claim 48, wherein the information of the electronic certificate includes basic information of the first terminal.
50. The method of any one of claims 48 to 49, wherein the information of the electronic certificate includes basic information of the first Funds-Management server.

Date Recue/Date Received 2022-10-24
51. The method of any one of claims 48 to 50, wherein the information of the electronic certificate includes basic information of the second terminal.
52. The method of any one of claims 48 to 51, wherein the information of the electronic certificate includes basic information of the second Funds-Management server.
53. The method of any one of claims 48 to 52, wherein the information of the electronic certificate includes an account information of the second terminal.
54. The method of any one of claims 48 to 53, wherein the information of the electronic certificate includes credit limit information of the electronic certificate.
55. The method of any one of claims 48 to 54, wherein the information of the electronic certificate includes clearing information.
56. The method of any one of claims 48 to 55,wherein the information of the electronic certificate includes an issued date.
57. The method of any one of claims 48 to 56, wherein the information of the electronic certificate includes a validity period.
58. The method of any one of claims 48 to 56, wherein the information of the electronic certificate includes an expired date.
59. The method of claim 48 further includes:
determining whether the electronic certificate is expired according to the issued date and validity period of the electronic certificate, and Date Recue/Date Received 2022-10-24 determining whether the received amount of funds by the second Funds-Management server equal to the corresponding amount of the funds in the electronic certificate issued by the first Funds-Management server according to credit limit information and clearing information of the electronic certificate.
60. The method of claim 59 further includes delivering a notification for verification failure to the second terminal to reject the request.
61. The method of claim 47, wherein the first Funds-Management server is configured a server in a first bank.
62. The method of claim 47, wherein the second Funds-Management server is configured a server in a second bank.
63. The method of claim 47, wherein the third Funds-Management server is configured a server in a third bank.
64. A computer implemented method for changing an electronic certificate in an electronic transaction, applied in a third Funds-Management server, the method comprising:
receiving a request for changing a receiving terminal from a second Funds-Management server, when the second Funds-Management server receiving the electronic certificate delivered by a first Funds-Management server, wherein the electronic certificate is issued by the first Funds-Management server based on freezing an amount of funds of a balance amount or a credit loan limit as a margin in an account of a first terminal, wherein the electronic certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first funds-management server to commit to settle in accordance with agreed conditions, and wherein information of the electronic certificate includes information of the first terminal, the first funds-management server, a second terminal, and the second funds-management server;

Date Recue/Date Received 2022-10-24 changing the receiving terminal information in the electronic certificate according to the request information;
changing account information of the second terminal; and delivering updated information of the electronic transaction to the first Funds-Management server, the second Funds-Management server, and the second terminal respectively, so that the first funds-management server unfreezes the amount of funds equal to value of the updated information of the electronic certificate and transfers the amount of funds from the account of the first terminal to the third funds-management server.
65. The method of claim 64 further includes verifying the information of the electronic certificate before changing the receiving terminal information of the electronic certificate.
66. The method of claim 65, wherein the information of the electronic certificate includes basic information of the first terminal.
67. The method of any one of claims 65 to 66, wherein the information of the electronic certificate includes basic information of the first Funds-Management server.
68. The method of any one of claims 65 to 67, wherein the information of the electronic certificate includes basic information of the second terminal.
69. The method of any one of claims 65 to 68, wherein the information of the electronic certificate includes basic information of the second Funds-Management server.
70. The method of any one of claims 65 to 69, wherein the information of the electronic certificate includes an account information of the second terminal.

Date Recue/Date Received 2022-10-24
71. The method of any one of claims 65 to 70, wherein the information of the electronic certificate includes credit limit information of the electronic certificate.
72. The method of any one of claims 65 to 71, wherein the information of the electronic certificate includes clearing information.
73. The method of any one of claims 65 to 72, wherein the information of the electronic certificate includes an issued date.
74. The method of any one of claims 65 to 73, wherein the information of the electronic certificate includes a validity period.
75. The method of any one of claims 65 to 73, wherein the information of the electronic certificate includes an expired date.
76. The method of claim 64 further includes:
determining whether the electronic certificate is expired according to the issued date and validity period of the electronic certificate, and detellnining whether the received amount of funds by the second Funds-Management server equal to the corresponding amount of the funds in the electronic certificate issued by the first Funds-Management server according to credit limit information and clearing information of the electronic certificate.
77. The method of claim 59 further includes delivering a notification for verification failure to the second terminal to reject the request.
78. The method of claim 59 further includes transferring the received amount of funds to the second account of the second terminal.
Date Recue/Date Received 2022-10-24
79. The method of claim 64, wherein the first Funds-Management server is configured a server in a first bank.
80. The method of claim 64, wherein the second Funds-Management server is configured a server in a second bank.
81. The method of claim 64, wherein the third Funds-Management server is configured a server in a third bank.
82. A computer device for changing an electronic certificate in an electronic transaction, applied in a second Funds-Management server, the device comprising:
a receiving module configured to:
receive the electronic certificate delivered by a first Funds-Management server;
receive a request for changing a receiving terminal delivered by a second terminal;
a delivering module configured to:

Date Recue/Date Received 2022-10-24 deliver the received electronic certificate to a third Funds-Management server after receiving the electronic certificate delivered by the first Funds-Management server, wherein the electronic certificate is issued by the first Funds-Management server based on freezing an amount of funds of a balance amount or a credit loan limit as a margin in an account of a first terminal, wherein the electronic certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first funds-management server to commit to settle in accordance with agreed conditions, and wherein information of the electronic certificate includes information of the first terminal, the first funds-management server, the second terminal, and the second funds-management server; and after receiving the request, deliver the request and the electronic certificate to the third Funds-Management server, so that the third Funds-Management server changes the receiving terminal information of the electronic certificate according to the request information, changes account information of the second terminal and for the first funds-management server to unfreeze the amount of funds equal to value of updated information of the electronic certificate and to transfer the amount of funds from the account of the first terminal to the third funds-management server.
83. The device of claim 82 further includes verifying information of the electronic certificate before delivering the request and the electronic certificate to the third Funds-Management server.
84. The device of claim 83 wherein the information of the electronic certificate includes basic information of the first terminal.
85. The device of any one of claims 83 to 84, wherein the information of the electronic certificate includes basic information of the first Funds-Management server.

Date Recue/Date Received 2022-10-24
86. The device of any one of claims 83 to 85, wherein the information of the electronic certificate includes basic information of the second terminal.
87. The device of any one of claims 83 to 86, wherein the information of the electronic certificate includes basic information of the second Funds-Management server.
88. The device of any one of claims 83 to 87, wherein the information of the electronic certificate includes an account information of the second terminal.
89. The device of any one of claims 83 to 88, wherein the information of the electronic certificate includes credit limit information of the electronic certificate.
90. The device of any one of claims 83 to 89, wherein the information of the electronic certificate includes clearing information.
91. The device of any one of claims 83 to 90, wherein the information of the electronic certificate includes an issued date.
92. The device of any one of claims 83 to 91, wherein the information of the electronic certificate includes a validity period.
93. The device of any one of claims 83 to 91, wherein the information of the electronic certificate includes an expired date.
94. The device of claim 82, wherein the delivering module is further configured to determining whether the electronic certificate is expired according to the issued date and validity period of the electronic certificate, and Date Recue/Date Received 2022-10-24 determining whether the received amount of funds by the second Funds-Management server equal to the corresponding amount of the funds in the electronic certificate issued by the first Funds-Management server according to credit limit information and clearing information of the electronic certificate.
95. The device of claim 82, wherein the delivering module is further configured to deliver a notification for verification failure to the second terminal to reject the request.
96. The device of claim 82, wherein the first Funds-Management server is configured a server in a first bank.
97. The device of claim 82, wherein the second Funds-Management server is configured a server in a second bank.
98. The device of claim 82, wherein the third Funds-Management server is configured a server in a third bank.
99. A computer device for changing an electronic certificate in an electronic transaction, applied in a third Funds-Management server, the device comprising:
a receiving module configured to receive the electronic certificate delivered by a first Funds-Management server, wherein the electronic certificate is issued by the first Funds-Management server based on freezing an amount of funds of a balance amount or a credit loan limit as a margin in an account of a first terminal, wherein the electronic certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first funds-management server to commit to settle in accordance with agreed conditions, and wherein information of the electronic certificate includes information of the first terminal, the first funds-management server, a second terminal, and a second funds-management server;
and a verification module configured to:

Date Recue/Date Received 2022-10-24 determine whether the electronic certificate is expired according to the issued date and validity period of the electronic certificate, and determine whether the received amount of funds by the second Funds-Management server equal to the corresponding amount of the funds in the electronic certificate issued by the first Funds-Management server according to credit limit infaiinati on and clearing information of the electronic certificate.
a processing module configured to:
change the receiving terminal information in the electronic certificate according to request information;
change account information of the second terminal; and a delivering module configured to deliver updated information of the electronic transaction to the first Funds-Management server, the second Funds-Management server, and the second terminal respectively, so that the first funds-management server unfreezes the amount of funds equal to value of the updated information of the electronic certificate and transfers the amount of funds from the account of the first terminal to the third funds-management server.
100.The device of claim 99, wherein the processing module is further configured to verify the information of the electronic certificate before changing the receiving terminal information of the electronic certificate.
101.The device of claim 100, wherein the information of the electronic certificate includes basic information of the first terminal.
Date Recue/Date Received 2022-10-24
102.The device of any one of claims 100 to 101, wherein the information of the electronic certificate includes basic information of the first Funds-Management server.
103.The device of any one of claims 100 to 102, wherein the information of the electronic certificate includes basic information of the second terminal.
104.The device of any one of claims 100 to 103, wherein the information of the electronic certificate includes basic information of the second Funds-Management server.
105.The device of any one of claims 100 to 104, wherein the information of the electronic certificate includes an account information of the second terminal.
106.The device of any one of claims 100 to 105, wherein the information of the electronic certificate includes credit limit information of the electronic certificate.
107.The device of any one of claims 100 to 106, wherein the information of the electronic certificate includes clearing information.
108.The device of any one of claims 100 to 107, wherein the information of the electronic certificate includes an issued date.
109.The device of any one of claims 100 to 108, wherein the information of the electronic certificate includes a validity period.
110.The device of any one of claims 100 to 109, wherein the information of the electronic certificate includes an expired date.
111.The device of claim 99, wherein the delivering module is further configured to deliver a notification for verification failure to the second terminal to reject the request.

Date Recue/Date Received 2022-10-24
112.The device of claim 99, wherein the processing module is further configured to transfer the received amount of funds to the second account of the second terminal.
113.The device of claim 99, wherein the first Funds-Management server is configured a server in a first bank.
114.The device of claim 99, wherein the second Funds-Management server is configured a server in a second bank.
115.The device of claim 99, wherein the third Funds-Management server is configured a server in a third bank.
116.A computer implemented data interaction processing system for changing a data certificate in an electronic transaction, the system comprising:
a second terminal configured to deliver a request for changing a receiving terminal from a second server to a third server, when the second server receiving the data certificate delivered by a first server, wherein the data certificate is issued by the first server based on freezing a data value of a balance amount or a credit loan limit as a margin in a data unit of a first terminal, wherein the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first server to commit to settle in accordance with agreed conditions, and wherein information of the data certificate includes information of the first terminal, the first server, the second terminal, and the second server;
the second server configured to deliver the request information and the received data certificate to the third server when receiving the request information; and the third server configured to:

Date Recue/Date Received 2022-10-24 change the receiving terminal information into the data certificate according to the request information;
change data unit information of the second terminal;
deliver updated information of the electronic transaction to the first server, the second server, and the second terminal respectively; and the first server unfreezes the data value equal to value of the updated information of the data certificate and transfers the data value from the data unit of the first terminal to the third server.
117.The system of claim 116, wherein the second server is further configured to verify information of the data certificate before delivering the request and the data certificate to the third server.
118.The system of claim 117, wherein the third server is further configured to verify the information of the data certificate before changing the receiving terminal information of the data certificate.
119.The system of any one of claims 117 to 118, wherein the information of the data certificate includes basic information of the first terminal.
120.The system of any one of claims 117 to 119, wherein the information of the data certificate includes basic information of the first server.
121.The system of any one of claims 117 to 120, wherein the information of the data certificate includes basic information of the second terminal.
122.The system of any one of claims 117 to 121, wherein the information of the data certificate includes basic information of the second server.

Date Recue/Date Received 2022-10-24
123.The system of any one of claims 117 to 122, wherein the information of the data certificate includes the data unit information of the second terminal.
124.The system of any one of claims 117 to 123, wherein the information of the data certificate includes credit limit information of the data certificate.
125.The system of any one of claims 117 to 124, wherein the infoimation of the data certificate includes clearing information.
126.The system of any one of claims 117 to 125, wherein the information of the data certificate includes an issued date.
127.The system of any one of claims 117 to 127, wherein the information of the data certificate includes a validity period.
128.The system of any one of claims 117 to 127, wherein the information of the data certificate includes an expired date.
129.The system of claim 116, wherein the second server is further configured to:
determine whether the data certificate is expired according to the issued date and validity period of the data certificate, and determine whether the received data value by the second server equal to the corresponding data value in the data certificate issued by the first server according to credit limit information and clearing information of the data certificate.
130.The system of any one of claims 117 and 129, wherein the second server is further configured to deliver a notification for verification failure to the second terminal to reject the request.

Date Recue/Date Received 2022-10-24
131.The system of claim 118, wherein the third server is further configured to determine whether the data certificate is expired according to the issued date and validity period of the data certificate, and determine whether the received data value by the second server equal to the corresponding data value in the data certificate issued by the first server according to credit limit information and clearing informabon of the data certificate.
132.The system of any one of claims 118 and 131, wherein the third server is further configured to deliver a notification for verification failure to the second terminal to reject the request.
133.The system of claim 116, wherein the second terminal is further configured to deliver second data unit information of the second terminal to the third server.
134.The system of claim 116,wherein the first server is further configured to transfer the data value from the data unit of the first terminal to the third server.
135.The system of any one of claims 116 and 134, wherein the third server is further configured to transfer the received data value to the second data unit of the second terminal.
136.The system of claim 116, wherein the first server is configured a server in a first financial institution.
137.The system of claim 116,wherein the second server is configured a server in a second financial institution.
138.The system of claim 116, wherein the third server is configured a server in a third financial institution.
Date Recue/Date Received 2022-10-24
139. A computer implemented data interaction processing method for changing a data certificate in an electronic transaction, the method comprising:
delivering a request for changing a receiving terminal from a second server to a third server, when the second server receiving the data certificate delivered by a first server, wherein the data certificate is issued by the first server based on freezing a data value of a balance amount or a credit loan limit as a margin in a data unit of a first terminal, wherein the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first server to commit to settle in accordance with agreed conditions, and wherein information of the data certificate includes information of the first terminal, the first server, a second terminal, and the second server;
changing the receiving terminal information into the data certificate according to the request information;
change data unit information of the second terminal;
delivering updated information of the electronic transaction to the first server, the second server, and the second terminal respectively;
delivering the request information and the received data certificate to the third server; and unfreezing the data value equal to value of the updated information of the data certificate and transferring the data value from the data unit of the first terminal to the third server.
140.The method of claim 139 further includes verifying information of the data certificate before delivering the request and the data certificate to the third server.
141.The method of claim 139 further includes verifying the information of the data certificate before changing the receiving terminal information of the data certificate.

Date Recue/Date Received 2022-10-24
142.The method of any one of claims 140 to 141, wherein the information of the data certificate includes basic information of the first terminal.
143.The method of any one of claims 140 to 142, wherein the infoimation of the data certificate includes basic information of the first server.
144.The method of any one of claims 140 to 143, wherein the information of the data certificate includes basic information of the second terminal.
145.The method of any one of claims 140 to 144, wherein the information of the data certificate includes basic information of the second server.
146.The method of any one of claims 140 to 145, wherein the information of the data certificate includes the data unit information of the second terminal.
147.The method of any one of claims 140 to 146, wherein the information of the data certificate includes credit limit information of the data certificate.
148.The method of any one of claims 140 to 147, wherein the information of the data certificate includes clearing information.
149.The method of any one of claims 140 to 148, wherein the information of the data certificate includes an issued date.
150.The method of any one of claims 140 to 149, wherein the information of the data certificate includes a validity period.
151.The method of any one of claims 140 to 149, wherein the information of the data certificate includes an expired date.

Date Recue/Date Received 2022-10-24
152.The method of claim 139 further includes:
detelmining whether the data certificate is expired according to the issued date and validity period of the data certificate, and determining whether the received data value by the second server equal to the corresponding data value in the data certificate issued by the first server according to credit limit information and clearing informafion of the data certificate.
153.The method of any one of claims 141 and 152 further includes delivering a notification for verification failure to the second terminal to reject the request.
154.The method of claim 153 further includes:
determining whether the data certificate is expired according to the issued date and validity period of the data certificate, and determining whether the received data value by the second server equal to the corresponding data value in the data certificate issued by the first server according to credit limit information and clearing information of the data certificate.
155.The method of any one of claims 141 and 154 further includes delivering a notification for verification failure to the second terminal to reject the request.
156.The method of claim 139, further includes delivering second data unit information of the second terminal to the third server.
157.The method of claim 139, further includes transferring the data value from the data unit of the first terminal to the third server.

Date Recue/Date Received 2022-10-24
158.The method of any one of claims 139 and 157, further includes transferring the received data value to the second data unit of the second terminal.
159.The method of claim 139, wherein the first server is configured a server in a first financial institution.
160.The method of claim 139, wherein the second server is configured a server in a second financial institution.
161.The method of claim 139, wherein the third server is configured a server in a third financial institution.
162. A computer implemented data interaction processing method for changing a data certificate in an electronic transaction, applied in a second server, the method comprising:
after receiving the data certificate delivered by a first server, delivering the received data certificate to a third server, wherein the data certificate is issued by the first server based on freezing a data value of a balance amount or a credit loan limit as a margin in a data unit of a first terminal, wherein the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first server to commit to settle in accordance with agreed conditions, and wherein information of the data certificate includes information of the first terminal, the first server, a second terminal, and the second server; and after receiving a request for changing a receiving terminal delivered by the second terminal, delivering the request and the data certificate to the third server, so that the third server changes the receiving terminal information of the data certificate according to the request information and changes data unit information of the second terminal and for the first server to unfreeze the data value equal to value of the updated information of the data certificate and to transfer the data value from the data unit of the first terminal to the third server.

Date Recue/Date Received 2022-10-24
163.The method of claim 162 further includes verifying information of the data certificate before delivering the request and the data certificate to the third server.
164.The method of claim 162, wherein the information of the data certificate includes basic information of the first terminal.
165.The method of any one of claims 163 to 164, wherein the information of the data certificate includes basic information of the first server.
166.The method of any one of claims 163 to 165, wherein the information of the data certificate includes basic information of the second terminal.
167.The method of any one of claims 163 to 166, wherein the information of the data certificate includes basic information of the second server.
168.The method of any one of claims 163 to 167, wherein the information of the data certificate includes the data unit information of the second terminal.
169.The method of any one of claims 163 to 168, wherein the information of the data certificate includes credit limit information of the data certificate.
170.The method of any one of claims 163 to 169, wherein the information of the data certificate includes clearing information.
171.The method of any one of claims 163 to 170, wherein the information of the data certificate includes an issued date.
172.The method of any one of claims 163 to 171, wherein the information of the data certificate includes a validity period.
Date Recue/Date Received 2022-10-24
173.The method of any one of claims 163 to 171, wherein the information of the data certificate includes an expired date.
174.The method of claim 162 further includes:
determining whether the data certificate is expired according to the issued date and validity period of the data certificate, and determining whether the received data value by the second server equal to the corresponding data value in the data certificate issued by the first server according to credit limit information and clearing information of the data certificate.
175.The method of claim 162 further includes delivering a notification for verification failure to the second terminal to reject the request.
176.The method of claim 162, wherein the first server is configured a server in a first financial institution.
177.The method of claim 162, wherein the second server is configured a server in a second financial institution.
178.The method of claim 162, wherein the third server is configured a server in a third financial institution.
179. A computer implemented data interaction processing method for changing a data certificate in an electronic transaction, applied in a third server, the method comprising:

Date Recue/Date Received 2022-10-24 receiving a request for changing a receiving terminal from a second server, when the second server receiving the data certificate delivered by a first server, wherein the data certificate is issued by the first server based on freezing a data value of a balance amount or a credit loan limit as a margin in a data unit of a first terminal, wherein the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first server to commit to settle in accordance with agreed conditions, and wherein information of the data certificate includes information of the first terminal, the first server, a second terminal, and the second server;
changing the receiving terminal information into the data certificate according to the request information changing data unit information of the second terminal; and delivering updated information of the electronic transaction to the first server, the second server, and the second terminal respectively, so that the first server unfreezes the data value equal to value of the updated information of the data certificate and transfers the data value from the data unit of the first terminal to the third server.
180.The method of claim 179 further includes verifying the infoimation of the data certificate before changing the receiving terminal information of the data certificate.
181.The method of claim 180, wherein the information of the data certificate includes basic information of the first terminal.
182.The method of any one of claims 180 to 66, wherein the information of the data certificate includes basic information of the first server.
183.The method of any one of claims 180 to 182, wherein the information of the data certificate includes basic information of the second terminal.

Date Recue/Date Received 2022-10-24
184.The method of any one of claims 180 to 183, wherein the information of the data certificate includes basic information of the second server.
185.The method of any one of claims 180 to 184, wherein the information of the data certificate includes the data unit information of the second terminal.
186.The method of any one of claims 180 to 185, wherein the information of the data certificate includes credit limit information of the data certificate.
187.The method of any one of claims 180 to 186, wherein the information of the data certificate includes clearing information.
188.The method of any one of claims 180 to 187, wherein the information of the data certificate includes an issued date.
189.The method of any one of claims 180 to 188, wherein the information of the data certificate includes a validity period.
190.The method of any one of claims 180 to 188, wherein the information of the data certificate includes an expired date.
191.The method of claim 179 further includes:
determining whether the data certificate is expired according to the issued date and validity period of the data certificate, and determining whether the received data value by the second server equal to the corresponding data value in the data certificate issued by the first server according to credit limit information and clearing information of the data certificate.

Date Recue/Date Received 2022-10-24
192.The method of claim 179 further includes delivering a notification for verification failure to the second terminal to reject the request.
193.The method of claim 179 further includes transferring the received data value to the second data unit of the second terminal.
194.The method of claim 179, wherein the first server is configured a server in a first financial institution.
195.The method of claim 179, wherein the second server is configured a server in a second financial institution.
196.The method of claim 179, wherein the third server is configured a server in a third financial institution.
197.A computer device for data interaction processing in an electronic transaction, applied in a second server, the device comprising:
a receiving module configured to:
receive the data certificate delivered by a first server;
receive a request for changing a receiving terminal delivered by a second terminal;
a delivering module configured to:

Date Recue/Date Received 2022-10-24 deliver the received data certificate to a third server after receiving the data certificate delivered by the first server, wherein the data certificate is issued by the first server based on freezing a data value of a balance amount or a credit loan limit as a margin in a data unit of a first terminal, wherein the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first server to commit to settle in accordance with agreed conditions, and wherein information of the data certificate includes information of the first terminal, the first server, a second terminal, and the second server; and after receiving the request, deliver the request and the data certificate to the third server, so that the third server changes the receiving terminal information of the data certificate according to the request information and changes data unit information of the second terminal and for the first server to unfreeze the data value equal to value of the updated information of the data certificate and to transfer the data value from the data unit of the first terminal to the third server.
198.The device of claim 197 further includes verifying information of the data certificate before delivering the request and the data certificate to the third server.
199.The device of claim 197 wherein the information of the data certificate includes basic information of the first terminal.
200.The device of any one of claims 198 to 199, wherein the information of the data certificate includes basic information of the first server.
201.The device of any one of claims 198 to 200, wherein the information of the data certificate includes basic information of the second terminal.
Date Recue/Date Received 2022-10-24
202.The device of any one of claims 198 to 201, wherein the information of the data certificate includes basic information of the second server.
203.The device of any one of claims 198 to 202,wherein the information of the data certificate includes the data unit information of the second terminal.
204.The device of any one of claims 198 to 203, wherein the information of the data certificate includes credit limit information of the data certificate.
205.The device of any one of claims 198 to 204, wherein the information of the data certificate includes clearing information.
206.The device of any one of claims 198 to 205, wherein the infolination of the data certificate includes an issued date.
207.The device of any one of claims 198 to 206, wherein the infolination of the data certificate includes a validity period.
208.The device of any one of claims 198 to 206, wherein the information of the data certificate includes an expired date.
209.The device of claim 197, wherein the delivering module is further configured to determining whether the data certificate is expired according to the issued date and validity period of the data certificate, and determining whether the received data value by the second server equal to the corresponding data value in the data certificate issued by the first server according to credit limit information and clearing information of the data certificate.

Date Recue/Date Received 2022-10-24
210.The device of claim 197, wherein the delivering module is further configured to deliver a notification for verification failure to the second terminal to reject the request.
211.The device of claim 197, wherein the first server is configured a server in a first financial institution.
212.The device of claim 197, wherein the second server is configured a server in a second financial institution.
213.The device of claim 197, wherein the third server is configured a server in a third financial institution.
214.A computer device for data interaction processing in an electronic transaction, applied in a third server, the device comprising:
a receiving module configured to receive the data certificate delivered by a first server, wherein the data certificate is issued by the first server based on freezing a data value of a balance amount or a credit loan limit as a margin in a data unit of a first terminal , wherein the data certificate is a quantitative tool used by the first terminal as a data association relationship established between the first terminal and the first server to commit to settle in accordance with agreed conditions, and wherein information of the data certificate includes information of the first terminal, the first server, a second terminal, and a second server; and a verification module configured to:
determine whether the data certificate is expired according to the issued date and validity period of the data certificate, and Date Recue/Date Received 2022-10-24 determine whether the received data value by the second server equal to the corresponding data value in the data certificate issued by the first server according to credit limit information and clearing information of the data certificate.
a processing module configured to:
change the receiving terminal information into the data certificate according to request information;
change data unit information of the second terminal; and a delivering module configured to deliver updated information of the electronic transaction to the first server, the second server, and the second terminal respectively, so that the first server unfreezes the data value equal to value of the updated information of the data certificate and transfers the data value from the data unit of the first terminal to the third server.
215.The device of claim 214, wherein the processing module is further configured to verify the information of the data certificate before changing the receiving terminal information of the data certificate.
216.The device of claim 215, wherein the information of the data certificate includes basic information of the first terminal.
217.The device of any one of claims 215 to 216, wherein the information of the data certificate includes basic information of the first server.
218.The device of any one of claims 215 to 217, wherein the information of the data certificate includes basic info __ nna...on of the second terminal.

Date Recue/Date Received 2022-10-24
219.The device of any one of claims 215 to 218, wherein the information of the data certificate includes basic information of the second server.
220.The device of any one of claims 215 to 219, wherein the information of the data certificate includes the data unit information of the second terminal.
221.The device of any one of claims 215 to 220, wherein the information of the data certificate includes credit limit information of the data certificate.
222.The device of any one of claims 215 to 221, wherein the information of the data certificate includes clearing information.
223.The device of any one of claims 215 to 222õ wherein the information of the data certificate includes an issued date.
224.The device of any one of claims 215 to 223, wherein the infoimation of the data certificate includes a validity period.
225.The device of any one of claims 215 to 223, wherein the information of the data certificate includes an expired date.
226.The device of claim 214, wherein the delivering module is further configured to deliver a notification for verification failure to the second terminal to reject the request.
227.The device of claim 214, wherein the processing module is further configured to transfer the received data value to the second data unit of the second terminal.
228.The device of claim 214, wherein the first server is configured a server in a first financial instituti on.

Date Recue/Date Received 2022-10-24
229.The device of claim 214, wherein the second server is configured a server in a second financial institution.
230.The device of claim 214, wherein the third server is configured a server in a third financial institution.
Date Recue/Date Received 2022-10-24
CA2993526A 2015-07-21 2015-07-21 Method, system, and device for electronic certificate modification and data exchange and processing Active CA2993526C (en)

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