CA2993527A1

CA2993527A1 - Online funds management method, and data interaction processing method and device

Info

Publication number: CA2993527A1
Application number: CA2993527A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Also published as: WO2017011998A1; CN106104597A

Abstract

Disclosed are an online funds management method, and a data interaction processing method and device. The online funds management method comprises: upon receiving a second participant electronic certificate payment request sent by a first participant to a first funds management server and sent by the first funds management server, and confirming that the request satisfies an electronic certificate payment condition, a second funds management server sends information of the applied for payment to a second participant; upon receiving the information of the applied for payment, the second participant sends a pause payment command to the second funds management server; the second funds management server responds to the pause payment command, and upon confirming that electronic certificate funds have not yet been paid, respectively sends information of an electronic certificate funds payment pause to the second participant and the first funds management server. The described means effectively ensure that the financial interests of the second participant are not harmed, and effectively prevent the problem of risk to the data security of a second interacting party.

Description

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

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

[3] [Background Technology]

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

[5] However, in the form of a third-party payment company guarantee, for the payee customer or payer, the funds have been paid to the third-party payment company when the commodity are not received, and once a third-party payment company has a problem, the payment to the client or the borrower is not guaranteed. Therefore, in the form of a third-party payment company guarantee, there is still a large risk of payment to the client or the borrower. In particular, the third-party company cannot intervene in time and effectively when there is a dispute between the payer client or the payer and the commodity / service provider or the cash flow of the payer client or payer is abnormal, resulting in the payment client or payer unable to safeguard the self-interest of commodity /
services. For example, the paying customer or payer is not satisfied with the purchased commodity /
services, the commodity / service provider cannot solve them, or the paying customer or paying party cannot defend their own rights due to falling into civil economic disputes.

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

[7] [Summary of the Invention]

[8] An object of the present invention is to provide an online fund management method, a data interaction processing method, an device, and a system capable of effectively ensuring that when a dispute occurs between a payer and a commodity / service provider or an abnormal capital flow from a payer, which can effectively ensure that the interests of the payer will not be harmed.

[9] In order to solve the above technical problem, the first technical solution adopted by the present invention is to provide an online fund management method, which includes: First Participant delivers a request for solving the second Participant's electronic certificate to . .

the first Funds-Management server; the first Funds-Management server delivers the settlement request to the second Funds-Management server; and when the second Funds-Management server confirmed that the settlement request satisfies the condition for the settlement of the electronic certificate, the second Participant delivers the information that the second Participant has applied for settlement; and when receiving the information that the Second Participant has applied for settlement, the second Funds-Management server delivers a suspend-to-pay command; wherein the suspend-to-pay command at least includes a moratorium of payment; and the second Funds-Management server responds to the suspend-to-deliver command, when the funds have not yet been settled, the second Participant and the first Funds-Management server are separately delivered information of suspending settlement of the electronic certificate funds; wherein the first Funds-Management server is an account of the First Participant Management server, and the second Funds-Management server is the Second Participant's Account Management Server.

[10] In order to solve the above technical problem, a second technical solution adopted by the present invention is to provide an online fund management method, which includes: the second Funds-Management server receives the First Participant delivered by the first Funds-Management server and requests for information of the second Participant's electronic certificate; when it is confirmed that the request meets the condition for the solution of the electronic certificate, delivers the information that the second Participant has applied for the solution; and receiving Second Participant receives a suspension order that is delivered after receiving the information that has been applied, in response to the suspension of the order and to confirm that the funds for the electronic certificate have not yet been paid, and the Second Participant and the first Funds-Management server respectively deliver the information of the suspension of the payment of the electronic certificate fund, wherein the pause and disbursement order at least includes suspending payment and settlement deadlines; wherein the first Funds-Management server is an account management server of the First Participant, and the second Funds-Management server is the account of the Second Participant Management server.

[11] In the above solution, the second Funds-Management server delivers to the Second Participant the information that the application has been requested to be settled when it confirms that the request of receiving the electronic certificate of the Second Participant delivered by the First Participant meets the condition for settling the electronic certificate fund; the second Funds-Management server responds to the suspend and release command after receiving the suspend and release command delivered by the Second Participant, and when confirming that the funds of the electronic certificate have not been settled, deliver the information to the Second Participant and the first Funds-Management server to suspend the payment of the electronic certificate funds, in order to inform First Participant and Second Participant of the transaction dispute between First Participant and Second Participant, to prevent First Participant from settling the Second Participant's electronic certificate fund when the dispute occurs between First Participant and Second Participant and effectively guarantee that Second Participant's Funds interests are not compromised.
Second Participant may also request relief from Third Participant to secure the funds of Second Participant.

[12] In order to solve the above technical problem, a third technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes: the first interactive party delivers a request for obtaining the data value from the data unit of the second interactive party to the First Service Party; wherein the request includes at least the data value requested for acquisition; the First Service Party delivers the requested information to the Second Service Party; when the Second Service Party confirms that the request satisfies the condition of obtaining the data value from the data certificate, it delivers the information to the Second interactive Party to obtain the data value, the Second interactive Party delivers a suspension order to the Second Service Party after receiving the information that has been applied to obtain the data value; wherein, the suspension order includes at least the suspension period; the Second Service Party in response to suspend command and data in the confirmation certificate have not been accessed for state, deliver a pause to the second interactive party and the First Service Party respectively to obtain the data value of the data certificate; wherein, The First Service Party manages the data value of the data unit of the first interactive party, and the Second Service Party manages the data value of the data unit of the second interactive party.

[13] In order to solve the above technical problem, a fourth technical solution adopted by the present invention is to provide a data interaction processing method, where the method including: The Second Service Party receives a request from a first interactive party delivered by a First Service Party to acquire a data value from a data unit of a second interactive party, where the request includes at least the data value requested for acquisition; after confirming that the request satisfies the request from the data certificate to the second interactive party; in response to the pause command delivered by the second interactive party after the second interactive party receives the information that the data value has been requested for acquiring, deliver information of suspending the obtaining of the data value of the data certificate to the second interactive party and the First Server , .

party, respectively, when confirming that the status of the data certificate is an unfetched status, where the suspend command includes a pause period; the First Service Party manages the data value of the data unit of the first interactive party, and the Second Service Party manages the data value of the data unit of the second interactive party.

[14] In order to solve the above technical problem, the fifth technical solution adopted by the present invention is to provide a data interaction processing device, where the device includes: a receiving module, configured to receive a first interactive party delivered by a First Service Party from a second Wherein the request at least includes the data value requested to be acquired; and a processing module configured to confirm whether the request meets the condition of obtaining a data value from the data certificate, and a processing module configured to: In response to a pause command delivered by the second interactive party after receiving the information that the data value has been requested for acquiring, and confirming whether the status of the data certificate is an unacquired status;
and a delivering module, configured to deliver, when the processing module is in And confirms that the request satisfies the condition for obtaining the data value from the data certificate, deliver the information for which the data value has been requested to be obtained to the second interactive party; and when the processing module determines that the status of the data certificate is When the state is not acquired, the second interactive party and the First Service Party respectively deliver the data certificate where the First Server party manages the data value of the data unit of the first interactive party and the Second Server party manages the data value of the data unit of the second interactive party.

[15] In the solution above, when confirming that the request for acquiring the data value from the data unit of the second interactive party delivered by the first interactive party is received, the data interaction processing device delivers a request for obtaining the data value from the data certificate to the second interactive party. The data exchange processing device, after receiving the suspension command delivered by the second interactive party, responds to the suspension / termination command, and when it is confirmed that the status of the data certificate is not acquired, the second interactive party and the First Service Party respectively deliver information of suspending obtaining the data value of the data certificate to notify the first interactive party and the second interactive party that when an abnormality occurs in data interaction between the first interactive party and the second interactive party, preventing the first interactive party from obtaining the data value from the data certificate of the second interactive party, and effectively ensuring the risk of data security of the second interactive party.

[16] [Brief Description]

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

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

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

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

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

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

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

[24] [Description of the Preferred Examples]

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

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

[27] S101: First Participant delivers the first Funds-Management server a request to resolve the second Participant's electronic certificate.

[28] When Second Participant purchases commodity / services from First Participant and Second Participant receives commodity / services, First Participant delivers a request to solve Second Participant's electronic certificate to First Funds-Management server.
Wherein, the request includes at least the amount of funds requested to be paid.

[29] The electronic certificate involved in the example of the present invention may be referred to as "Bank Credit Certificate." Bank Credit Certificate is a payment certificate of electronic credit commitment which is based on the application of the first participant by the funds management institution to freeze the applicant's funds or credit limit and opened in the name of the bank and commits to settle in accordance with the agreed conditions.
The basic business process of Bank Credit Certificate: the issuing bank will freeze the required amount of funds according to the issuer's application to open a Bank Credit Certificate. When the agreed terms for the settlement are reached, the issuing bank will settle the funds for payment settlement.

[30] Electronic certificate Information includes at least the funds limit. The first Funds-Management server is the account manager of First Participant.

[31] S102: the first Funds-Management server delivers the settlement request to the second Funds-Management server.

[32] The first Funds-Management server delivers the received request for solving the second Participant's electronic certificate to the second Funds-Management server after receiving a request delivered by First Participant to solve the second Participant's electronic certificate.

[33] Wherein, the second Funds-Management server is the account manager of Second Participant.

[34] Further, the first Funds-Management server is the Funds-Management server of the first bank, the second Funds-Management server is the Funds-Management server of the second bank; the released funds are the deposits of the Second Participant on the first Funds-Management server or the credits of the Second Participant on the first Funds-Management server or the funds corresponding to the real estate mortgaged by the Second Participant on the first Funds-Management server.

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

[36] S103: the second Funds-Management server, when confirming that the settlement request meets the condition for releasing the electronic certificate, deliver the requested information to the Second Participant.

[37] After receiving the request, the second Funds-Management server retrieves the electronic certificate of the Second Participant and confirms whether the settlement request satisfies the conditions for resolving the electronic certificate.

[38] When confirming that the request fulfils the conditions for the settlement of the electronic certificate, the status of the electronic certificate is changed to the state to be released and the second Participant is delivered the information of the application for settlement.

[39] Wherein, confirming whether the request fulfils the condition for settling the electronic certificate may be: confirming whether the Second Participant has already obtained the commodity / services and whether the amount of the funds requested for payment in the request is the same as the corresponding amount of the commodity / services.
But not limited to, and may also be set according to actual needs.

[40] S104: the Second Participant delivers a pause and termination command to the second Funds-Management server when receiving the information that the second Participant has , .

applied for the solution.

[41] When the Second Participant is dissatisfied with the commodity /
services provided by First Participant, disputes with First Participant, or the Second Participant falls into a civil economic dispute, when the Second Participant receives the requested information delivered by the Second Funds-Management server, it delivers a suspension order to the second Funds-Management server. Wherein, the suspension of the settlement order includes at least the suspension of the payment period.

[42] S105: the second Funds-Management server delivers the second Participation and the first Funds-Management server respectively in response to the suspension and termination of payment command and the information of the electronic certificate fund is delivered to the Second Participant and the first Funds-Management server respectively.

[43] When the second Funds-Management server receives the suspension payment instruction delivered by the Second Participant, the second Funds-Management server responds to the suspension payment instruction and again obtains the Second Participant's electronic certificate to confirm whether the status information of the electronic certificate is unsolved.

[44] When the second Funds-Management server confirms that the funds of the electronic certificate has not been settled yet, it delivers the information of suspending settlement of the electronic certificate funds to the Second Participant and the first Funds-Management server respectively.
Further, when the second Funds-Management server confirms that the funds of the electronic certificate have not been paid, the second Funds-Management server may also deliver notification information of the second Participant to suspend the settlement failure.
[46] Further, after the Second Participant receives the information delivered by the second Funds-Management server to suspend the payment of the electronic certificate funds, the Second Participant may also deliver a request for processing the electronic certificate to the Third Participant to seek relief and safeguard its own interests. Wherein, the request information requests to freeze or release the funds of electronic certificate, or to deduct the information of funds from the electronic certificate, but it is not limited to this request information.
[47] Third Participant delivers a corresponding processing instruction to the second Funds-Management server in response to the request message; and the second Funds-Management server performs corresponding processing on the electronic certificate according to the processing instruction delivered by the Third Participant.
For example, freezing or releasing the funds of electronic certificate or deducting funds from the electronic certificate.
[48] In another example, Third Participant may also deliver the corresponding processing instruction directly to the second Funds-Management server when Second Participant falls into a civil economic dispute within the moratorium. Processing instructions may be:
freezing or releasing the funds of electronic certificate, or to deduct the information of funds from the electronic certificate, but it is not limited to this request information.
[49] Further, after the information delivered by the second Funds-Management server to the Second Participant and the first Funds-Management server respectively for suspending payment of the electronic certificate funds, the second Funds-Management server also determines whether to receive the processing instructions delivered by Third Participant for processing the electronic certificate.
[50] When the second Funds-Management server receives the processing instruction delivered by the Third Participant for processing the electronic certificate, the second Funds-Management server processes the electronic certificate according to the processing instruction delivered by the Third Participant, and the electronic certificate may be frozen or release the funds of electronic certificate or deduct funds from the electronic certificate.
[51] Where Third Participant is a third-party institution, the third-party institution has the right to freeze funds. The third party is at least one of the public security organs, the procuratorate, the courts, the security organs, the army security department, the prison security department, the customs and the taxation, but it is not limited thereto and may also be other institutions that have the authority to freeze funds, there is no restriction here.
[52] When the second Funds-Management server does not receive the processing instruction delivered by the Third Participant for processing the electronic certificate and confirms the time limit for suspending the settlement of the electronic certificate, the second Funds-Management server will release the electronic certificate. The electronic certificates are allocated to an intermediate account so as to be able to use unfrozen funds to liquidate the commodity/services purchased by the Second Participant, and change the status information of the electronic certificate to the status of liquidation.
[53] Further, after the second Funds-Management server delivers the information of the electronic certificate funds to the Second Participant and the first Funds-Management server respectively, the first Funds-Management server will suspend the settlement of the electronic certificate funds Sent to First Participant.
[54] After receiving the information delivered by the first Funds-Management server to suspend the payment of the electronic certificate funds, the information that will suspend the payment of the electronic certificate fund will be delivered to the First Participant to notify the First Participant that the payment of the electronic certificate is suspended.
[55] In the above solution, the second Funds-Management server delivers to the Second Participant the information that the application has been requested to be settled when it confirms that the request of receiving the electronic certificate of the Second Participant delivered by the First Participant meets the condition for settling the electronic certificate fund; the second Funds-Management server responds to the suspend and release command after receiving the suspend and release command delivered by the Second Participant, and when confirming that the funds of the electronic certificate have not been settled, deliver the information to the Second Participant and the first Funds-Management server to suspend the payment of the electronic certificate funds, in order to inform First Participant and Second Participant of the transaction dispute between First Participant and Second Participant, to prevent First Participant from settling the Second Participant's electronic certificate fund when the dispute occurs between First Participant and Second Participant and effectively guarantee that Second Participant's Funds interests are not compromised.
[56] Second Participant may also request relief from Third Participant to secure the funds of Second Participant.
[57] Please refer to Figure 3, Figure 3 is a schematic flowchart of an online funds management method according to an example of the present invention. The executive body in this example is a first Funds-Management server. The online fund management method in this example includes the following steps:
[58] S201: the second Funds-Management server receives the First Participant delivered by the first Funds-Management server and requests for information of the second Participant's electronic certificate.
[59] When Second Participant purchases commodity / services from First Participant, Second Participant receives commodity / services, First Participant delivers requests to solve the second Participant's electronic certificate to the first Funds-Management server, the second Funds-Management server receive the First Participant delivered by the first Funds-Management server to request for the information of the second Participant's electronic certificate. Wherein, the request information at least includes the amount of funds requested to be paid.
[60] The electronic certificate involved in the example of the present invention may be referred to as "Bank Credit Certificate." Bank Credit Certificate is a payment certificate of electronic credit commitment which is based on the application of the first participant by the funds management institution to freeze the applicant's funds or credit limit and opened in the name of the bank and commits to settle in accordance with the agreed conditions.

. .

The basic business process of Bank Credit Certificate: the issuing bank will freeze the required amount of funds according to the issuer's application to open a Bank Credit Certificate. When the agreed terms for the settlement are reached, the issuing bank will settle the funds for payment settlement.
[61] Electronic certificate Information includes at least the funds limit.
The first Funds-Management server is the account manager of First Participant. The second Funds-Management server is the account manager for Second Participant.
[62] Further, the first Funds-Management server is the Funds-Management server of the first bank, the second Funds-Management server is the Funds-Management server of the second bank; the released funds are the deposits of the Second Participant on the first Funds-Management server or the credits of the Second Participant on the first Funds-Management server or the funds corresponding to the real estate mortgaged by the Second Participant on the first Funds-Management server.
[63] Further, in another example, the first Funds-Management server and the second Funds-Management server may be the same Funds-Management server.
[64] S202: When it is confirmed that the request meets the condition for solving the electronic certificate, deliver the second Participant the information that the application has been requested to be settled.
[65] After receiving the information of the electronic certificate of the Second Participant, the second Funds-Management server retrieves the electronic certificate of the Second Participant and confirms whether the request information meets the conditions for resolving the electronic certificate.
[66] When confirming that the request fulfils the conditions for settlement of the electronic certificate, the state of the electronic certificate is changed to the state of pending settlement and the Second Participant is delivered with the information of the application for settlement so that to make the Second Participant not satisfied with the commodity /services provided by the First Participant, and disputes with the First Participant, or Second Participant caught in civil economic dispute when a second Funds-Management server has received information that it has applied for a settlement, it delivers a suspension order to the Second Funds-Management server. The suspension of the settlement order includes at least the suspension of the payment period.
[67] Wherein, confirming whether the request fulfils the condition for settling the electronic certificate may be: confirming whether the Second Participant has already obtained the commodity / services and whether the amount of the funds requested for payment in the request is the same as the corresponding amount of the commodity / services.
But not limited to, and may also be set according to actual needs.
[68] S203: The receiving Second Participant receives the suspension order that is delivered after receiving the information that has been applied for the payment, and in response to the suspension of the order and the payment of the electronic certificate, the Second Participant and the first Funds-Management server are respectively delivered to the Second Participant and the first Funds-Management server respectively.
[69] When the second Funds-Management server receives the suspension payment instruction delivered by the Second Participant, the second Funds-Management server responds to the suspension payment instruction and again obtains the Second Participant's electronic certificate to confirm whether the status information of the electronic certificate is unsolved.
[70] When the second Funds-Management server confirms that the funds of the electronic certificate has not been settled yet, it delivers a message to the Second Participant and the first Funds-Management server to suspend the payment of the electronic certificate funds respectively, so that the first Funds-Management server will suspend the settlement of electronic certificate funding information delivered to First Participant.
[71] Further, when the second Funds-Management server confirms that the funds of the electronic certificate have not been paid, the second Funds-Management server may also deliver notification information of the second Participant to suspend the settlement failure.
[72] Further, after the information delivered by the second Funds-Management server to the Second Participant and the first Funds-Management server respectively for suspending payment of the electronic certificate funds, the second Funds-Management server also determines whether to receive the processing instructions delivered by Third Participant for processing the electronic certificate.
[73] When the second Funds-Management server does not receive the processing instruction delivered by the Third Participant for processing the electronic certificate and confirms the time limit for suspending the settlement of the electronic certificate, the second Funds-Management server will release the electronic certificate. The electronic certificates are allocated to an intermediate account so as to be able to use unfrozen funds to liquidate the commodity/services purchased by the Second Participant, and change the status information of the electronic certificate to the status of liquidation. The processing instruction delivered by the Third Participant for processing the electronic certificate is delivered after confirming that the response to the request is received by the Second Participant and processed by the electronic certificate. The request for information, to seek relief to safeguard their own interests. Wherein, the request information requests to freeze or release the funds of electronic certificate, or to deduct the information of funds from the electronic certificate, but it is not limited to this request information. The second Funds-Management server performs the corresponding processing on the electronic certificate according to the processing instruction delivered by the Third Participant. For example, freezing or releasing the funds of electronic certificate or deducting funds from the electronic certificate.
[74] Where Third Participant is a third-party institution, the third-party institution has the right to freeze funds. The third party is at least one of the public security organs, the procuratorate, the courts, the security organs, the army security department, the prison security department, the customs and the taxation, but it is not limited thereto and may also be other institutions that have the authority to freeze funds, there is no restriction here.
[75] In the above solution, the second Funds-Management server delivers to the Second Participant the information that the application has been requested to be settled when it confirms that the request of receiving the electronic certificate of the Second Participant delivered by the First Participant meets the condition for settling the electronic certificate fund; the second Funds-Management server responds to the suspend and release command after receiving the suspend and release command delivered by the Second Participant, and when confirming that the funds of the electronic certificate have not been settled, deliver the information to the Second Participant and the first Funds-Management server to suspend the payment of the electronic certificate funds, in order to inform First Participant and Second Participant of the transaction dispute between First Participant and Second Participant, to prevent First Participant from settling the Second Participant's electronic certificate fund when the dispute occurs between First Participant and Second Participant and effectively guarantee that Second Participant's Funds interests are not compromised.
[76] Second Participant may also request relief from Third Participant to secure the funds of Second Participant.
[77] Please refer to Figure 4, Figure 4 is a schematic flow chart of third example of a data interaction processing method according to the present invention. The data interaction processing method in this example includes the following steps:
[78] S301: the first interactive party deliver a request for obtaining the data value from the data unit of the second interactive party to First Service Party.
[79] When the first interactive party completes the data interaction with the second interactive party, the first interactive party delivers a request to the First Service Party for obtaining the data value from the data unit of the second interactive party.
[80] S302: the First Service Party delivers the received request information to the Second Service Party.
[81] S303: When determining that the request satisfies the condition for obtaining the data value from the data certificate, the Second Service Party delivers, to the second interactive party, information that an application has obtained a data value.
[82] The Second Service Party, after receiving the request delivered by the First Service Party, retrieves the data certificate of the second interactive party and, when confirming that the request satisfies the condition for obtaining the data value from the data certificate, delivers the second interactive party an application to obtain the data value information.
[83] Wherein, the condition for obtaining the data value from the data certificate may be that the data requested by the request is the same as the data value corresponding to the data interaction, but the data value is not limited thereto, and may also be set according to actual needs.
[84] S304: the second interactive party delivers a suspend command to the Second Service Party after receiving the information that the application has acquired the data value.
[85] After receiving the information that the second interactive party has delivered to apply for obtaining the data value and determines that the first interactive party is prevented from obtaining the data value from the data certificate, deliver the pause command to the Second Service Party, so as to prevent the first interactive party from getting data values from data certificate. Wherein, the suspension order includes at least the suspension period.
[86] S305: When the Second Service Party responds to the suspension command and confirms that the status of the data certificate is not obtained, deliver information of suspending to obtain the data value of the data certificate to the second interactive party and the First Service Party respectively.
[87] When receiving the suspension command delivered by the second interactive party, the Second Service Party responds to the suspension instruction, and when confirming that the state of the data value of data certificate is not acquired, the Second Service Party delivers the suspension message to the second interactive party and the First Service Party respectively. Deliver information of suspending to obtain the data value of the data certificate to the second interactive party and the First Service Party respectively.
[88] Further, when the state of the data certificate is not acquired, after delivering the information of suspending to obtain the data value of the data certificate to the second interactive party and the First Service Party respectively, when the Second Service Party receives the information of suspending obtaining the data certificate, Deliver the request information to the third interactive party; and the third interactive party delivers a corresponding processing instruction to the Second Service Party in response to the request . .

information. The request information includes, but is not limited to, the data value of the data certificate that is required to be frozen or release, or the data value is obtained from the data value. When receiving the processing instruction delivered by the third interactive party, the Second Service Party processes the data certificate according to the processing instruction. The corresponding processing instruction is to freeze or release the data value of the data certificate, or obtain the data value from the data value, but it is not limited thereto.
[89] Further, when the status of the data certificate is not acquired, after delivering the information of suspending to obtain the data value of the data certificate to the second interactive party and the First Service Party respectively, the Second Service Party can also confirm whether the instruction for processing the data certificate delivered by the third interactive party is received. When the Second Service Party does not receive the processing instruction for the data certificate delivered by the third party and reaches the suspension time corresponding to the suspension command, obtains the data value of the data certificate and increase the data value to the target data unit for the first interactive party.
[90] Further, when the status of the data certificate is not acquired, after the information of suspending to obtain the data value of the data certificate is delivered to the second interactive party and the First Service Party respectively, the First Service Party will receive the data. The information of the certificate's data value is delivered to the first interactive party.
[91] The First Service Party delivers information received by the First Service Party to the First interactive Party for the data value of the data certificate to be received, so as to notify the First interaction Party to suspend the data value of the data certificate.
[92] The data interaction processing method in the example of the present invention is described below by way of example.
[93] For example, the first interactive party is User A, the second interactive party is User B, the third interactive party is for C, User A corresponds to First Service Party, and User B
corresponds to Second Service Party. User B is an administrator for more than one client and has a corresponding password for each client for administrator privileges.
User C has more administrative privileges than User A. Clients can be personal computers, tablets, smart phones and other devices that can exchange data with servers through the network.
[94] When User A obtains the password for user 2's management authority from User B, the User A delivers a request for applying User B's data certificate to the Second Server party through the First Service Party. User A with higher administrative rights is involved in . .

management. User A delivers a request to the First Service Party for a password to obtain at least some client's administrative privileges from the User B data unit.
[95] Upon receiving the request delivered by the First Service Party and confirming that the request fulfils the condition of obtaining the password for obtaining at least part of the client's management authority from the data certificate, the Second Service Party delivers to User B a request for obtaining at least part of the client's information on the password for administrative permissions.
[96] After receiving this information, User B delivers a suspend command to the Second Service Party to prevent User A from obtaining the password of at least part of the client's management authority when confirming the password that needs to prevent User A
from obtaining at least part of the client's management authority.
[97] The Second Service Party delivers to the User A and the First Service Party, respectively, a password for temporarily suspending access to at least part of the client's administrative authority when the password for confirming the management authority of at least part of the client is not acquired by the User A, notify User A to suspend the password for obtaining at least some client's administrative privileges.
[98] Further, after the User B receives this information, upon confirming the need to prevent the User A from acquiring the password of at least part of the client's management authority, the user C may also be delivered a request to the user c with higher authority to request the user C. And delivers a password to the Second Service Party to freeze the management authority of the client of the data certificate of the User B. The user C
delivers a related processing instruction to the Second Service Party to process the data certificate of the User B when confirming the response to the request.
[99] Further, when receiving the processing instruction delivered by the user C and determining that the pause time corresponding to the suspension command delivered by the User B is reached, the Second Service Party acquires the password of the management authority of at least part of the clients and delivers the password to the Second Server party to the target data unit for User A to obtain.
[100] The Second Service Party, after receiving the processing instruction delivered by the user C, freezing or releasing the password of at least part of the client's management authority according to the command contained in the request or obtaining the password of at least part of the client's management authority from the data certificate to add to User C's specified data unit.
[101] In the above, user C has higher management authority than User B, and user C can perform risk control on the data interaction between User A and User B to avoid the risk that User A

has client data security.
[102] Further, the requested data may also be text data, audio data, video data, program data or financial data in the financial field, etc. In the case of fund data, such as funds, the third party is now a third party (such as the court, the customs, the tax authorities, but not to limit to these). The First Participant is the seller, the Second Participant is the buyer, the First Service Party is the first Funds-Management server, and the Second Service Party is the Second Funds-Management server, for example, the bank. If it is audio data, such as a song, the data requester and the data initiator may be clients with multimedia playing functions such as mobile phones, and the server is a music website server.
[103] In the solution above, when determining that the Second Server party receives the request for obtaining the data value from the data unit of the second interactive party that is delivered by the first interactive party and satisfies the condition for obtaining the data value from the data certificate, the Second Service Party delivers the data value to the second interactive party. The Second Server party, after receiving the suspension command delivered by the second interactive party, responds to the suspension release instruction, and when confirming that the status of the data certificate is not acquired, delivers a message to the second interactive party and the First Service Party respectively deliver information of suspending to obtain the data value of the data certificate to notify the first interactive party and the second interactive party that when an abnormality occurs in data interaction between the first interactive party and the second interactive party, an interactive party obtains the data value from the data certificate of the second interactive party, which effectively ensures the data security risk of the second interactive party.
[104] Please refer to Figure 5, Figure 5 is a schematic flowchart of another example of a data interaction processing method according to the present invention. The executive body of this example is Second Service Party. The data interaction processing method in this example includes the following steps:
[105] S401: The Second Service Party receives the request from the first interact party delivered by the First Service Party to acquire the data value from the data unit of the second interactive party.
[106] When the first interactive party completes the data interaction with the second interactive party, the first interactive party delivers a request for obtaining the data value from the data unit of the second interactive party to the First Service Party, and the First Service Party delivers the request to the Second Service Party when delivering, the Second Service Party receives the request from the first interact party delivered by the First Service Party to obtain the data value from the data unit of the second interactive party.
Where the request . .

includes at least the data value requested for acquisition.
[107] The First Service Party manages the data value of the data unit of the first interactive party and the data value of the data unit of the second interactive party that the Second Service Party manages.
[108] S402: When determining that the request satisfies the condition for obtaining the data value from the data certificate, deliver to the second interactive party, information that an application has obtained a data value.
[109] After receiving the request delivered by the First Service Party, the Second Service Party retrieves the data certificate of the second interactive party and when confirming that the request meets the condition for obtaining the data value from the data certificate, delivers the second interactive party an application so as to enable the second interactive party to deliver a suspension command to the Second Service Party after receiving the information of the requested acquisition data value delivered by the Second Service Party and determining that the first interactive party is prevented from acquiring the data value from the data certificate, so as to prevent the first interactive party from getting data values from data certificate. Wherein, the suspension order includes at least the suspension period.
[110] Wherein, the condition for obtaining the data value from the data certificate may be that the data requested by the request is the same as the data value corresponding to the data interaction, but the data value is not limited thereto, and may also be set according to actual needs.
[111] S403: In response to the pause command delivered by the second interactive party after the second interactive party receives the information that the data value has been acquired for obtaining, and when confirming that the state of the data certificate is not obtained, the second interaction Party and the First Service Party are respectively delivered to suspend the data value of the data certificate.
[112] When the second interactive party delivers a suspension order to the Second Service Party after receiving the information that the application has obtained the data value, the Second Service Party receives the suspension order delivered by the second interactive party, responds to the suspension order, and when confirming that the state of the data value of data certificate is not acquired, the Second Service Party delivers the suspension message to the second interactive party and the First Service Party respectively.
Deliver information of suspending to obtain the data value of the data certificate to the second interactive party and the First Service Party respectively.
[113] Further, when the state of the data certificate is not acquired, after delivering the information of suspending to obtain the data value of the data certificate to the second interactive party and the First Service Party respectively, when the Second Service Party receives the information of suspending obtaining the data certificate, Deliver the request information to the third interactive party; and the third interactive party delivers a corresponding processing instruction to the Second Service Party in response to the request information. The request information includes, but is not limited to, the data value of the data certificate that is required to be frozen or release, or the data value is obtained from the data value. When receiving the processing instruction delivered by the third interactive party, the Second Service Party processes the data certificate according to the processing instruction. The corresponding processing instruction is to freeze or release the data value of the data certificate, or obtain the data value from the data certificate, but it is not limited thereto.
[114] Further, when the status of the data certificate is not acquired, after delivering the information of suspending to obtain the data value of the data certificate to the second interactive party and the First Service Party respectively, the Second Service Party can also confirm whether the instruction for processing the data certificate delivered by the third interactive party is received. When the Second Service Party does not receive the processing instruction for the data certificate delivered by the third party and reaches the suspension time corresponding to the suspension command, obtains the data value of the data certificate and increase the data value to the target data unit for the first interactive party.
[115] In the solution above, when determining that the Second Server party receives the request for obtaining the data value from the data unit of the second interactive party that is delivered by the first interactive party and satisfies the condition for obtaining the data value from the data certificate, the Second Service Party delivers the data value to the second interactive party. The Second Server party, after receiving the suspension command delivered by the second interactive party, responds to the suspension release instruction, and when confirming that the status of the data certificate is not acquired, delivers a message to the second interactive party and the First Service Party respectively deliver information of suspending to obtain the data value of the data certificate to notify the first interactive party and the second interactive party that when an abnormality occurs in data interaction between the first interactive party and the second interactive party, an interactive party obtains the data value from the data certificate of the second interactive party, which effectively ensures the data security risk of the second interactive party.
[116] Please refer to Figure 6, Figure 6 is a schematic structural diagram of an example of a data interaction processing system according to the present invention. The data interaction processing system in this example includes a first interactive party, a second interactive party, a First Service Party, a Second Service Party, and a third interactive party. Each interactive party and the service party included in the data interaction processing system in this example are used to execute each step in the example corresponding to Figure 4 and Figure 4. For specific details, refer to the examples corresponding to Figure 4 and Figure 4, which are not covered here.
[117] The first interactive party is used to deliver a request to the First Service Party for obtaining a data value from the data unit of the second interactive party, where the request includes at least the data value requested for obtaining.
[118] First Service Party is used to deliver the received request message to Second Service Party.
[119] The Second Server party is used to deliver, to the second interactive party, the information that has been applied for obtaining the data value when it is confirmed that the request meets the condition for obtaining the data value from the data certificate.
[120] The second interactive party is used to deliver a suspension order to the Second Service Party after receiving the information that the application has obtained the data value, where the suspension instruction at least includes the suspension period.
[121] The Second Service Party is also used to respond to the suspension command delivered by the second interactive party and deliver, when it is determined that the state of the data certificate is not acquired, to the second interactive party and the First Service Party respectively, the data value of suspending to obtain the data certificate Information.
[122] In the solution above, when determining that the Second Server party receives the request for obtaining the data value from the data unit of the second interactive party that is delivered by the first interactive party and satisfies the condition for obtaining the data value from the data certificate, the Second Service Party delivers the data value to the second interactive party. The Second Server party, after receiving the suspension command delivered by the second interactive party, responds to the suspension release instruction, and when confirming that the status of the data certificate is not acquired, delivers a message to the second interactive party and the First Service Party respectively deliver information of suspending to obtain the data value of the data certificate to notify the first interactive party and the second interactive party that when an abnormality occurs in data interaction between the first interactive party and the second interactive party, an interactive party obtains the data value from the data certificate of the second interactive party, which effectively ensures the data security risk of the second interactive party.
[123] Please refer to Figure 7, Figure 7 is a schematic structural diagram of an example of a data interaction processing device according to the present invention. Each module included in the data interaction processing device in this example is used to execute each step in the example corresponding to Figure 5 and Figure 5. For details, refer to the example corresponding to Figure 5 and Figure 5, and details are not described herein again. The data interaction processing device 700 in this example includes a receiving module 710, a processing module 720, and a delivery module 730.
[124] The receiving module 710 is used to receive a request from a first interactive party delivered by a First Service Party to acquire a data value from a data unit of a second interactive party, where the request includes at least the data value requested to be obtained.
[125] The processing module 730 is used to confirm whether the request received by the receiving module 710 satisfies the condition for acquiring the data value from the data certificate, and a suspension command is used for responding to the second interactive party after receiving the information that the application has obtained the data value, and confirms whether the status of the data certificate is not acquired. The suspend command is delivered by the second interactive party to the Second Service Party after receiving the information that the application has obtained the data value.
[126] The delivering module 730 is used to deliver, to the second interactive party, the information that the application is requested to obtain the data value when the processing module 720 confirms that the request received by the receiving module 710 satisfies the condition for obtaining the data value from the data certificate; when the module 720 confirms that the status of the data certificate is an unfetched status, it delivers the information of suspending to obtain the data value of the data certificate to the second interactive party and the First Service Party respectively.
[127] The First Service Party manages the data value of the data unit of the first interactive party and the data value of the data unit of the second interactive party that the Second Service Party manages.
[128] In the solution above, when confirming that the request for acquiring the data value from the data unit of the second interactive party delivered by the first interactive party is received, the data interaction processing device delivers a request for obtaining the data value from the data certificate to the second interactive party. The data exchange processing device, after receiving the suspension command delivered by the second interactive party, responds to the suspension / termination command, and when it is confirmed that the status of the data certificate is not acquired, the second interactive party and the First Service Party respectively deliver information of suspending obtaining the data value of the data certificate to notify the first interactive party and the second interactive party that when an abnormality occurs in data interaction between the first interactive party and the second interactive party, preventing the first interactive party from obtaining the data value from the data certificate of the second interactive party, and effectively ensuring the risk of data security of the second interactive party.
[129] The above is only an example of the present invention and is not intended to limit the scope of the invention as a matter of limitation, either by way of equivalent construction or equivalent process transformation using the present specification and the accompanying drawings, directly or indirectly used in other related technical fields, which are included in the scope of the patent protection of the present invention.

Claims

The Claims

[Claim 1] An online fund management method, its characteristic is that, the method includes:
First Participant delivers the first Funds-Management server a request to resolve the second Participant's electronic certificate;
The first Funds-Management server delivers the settlement request to a second Funds-Management server;
The second Funds-Management server, when confirming that the settlement request meets the condition for releasing the electronic certificate, deliver the requested information to the Second Participant;
The Second Participant delivers a pause and termination command to the second Funds-Management server when receiving the information that the second Participant has applied for the solution;
Wherein, the suspension of the settlement order includes at least the suspension of the payment period;
The second Funds-Management server delivers the second Participation and the first Funds-Management server respectively in response to the suspension and termination of payment command and the information of the electronic certificate fund is delivered to the Second Participant and the first Funds-Management server respectively;
The first Funds-Management server is an account management server of the First Participant, and the second Funds-Management server is an account management server of the Second Participant.
[Claim 2] The online fund management method according to Claim 1, wherein the second Funds-Management server delivers the second Participation and the first Funds-Management server respectively in response to the suspension and termination of payment command and the information of the electronic certificate fund is delivered to the Second Participant and the first Funds-Management server respectively, the method also includes:
The First Funds-Management server delivers the information to the First Participant to suspend the payment of the electronic certificate fund;
The second Funds-Management server determines whether to receive the processing instruction of the electronic certificate delivered by Third Participant;

When the second Funds-Management server receives the processing instruction delivered by the Third Participant, perform corresponding processing on the electronic certificate according to the processing instruction delivered by the Third Participant;
Wherein, the processing instruction may be freezing, deducting, or unfreezing instruction;
When the second Funds-Management server does not receive the processing instruction delivered by the Third Participant and confirms that the time-out period for the moratorium has been reached, the second Funds-Management server pays the electronic certificate fund to an intermediate account.
[Claim 3] According to the online Funds-Management method in the Claim 1, the characteristics of the online Funds-Management are that the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.
[Claim 4] The online fund management method according to Claim 1, wherein the first Funds-Management server is a Funds-Management server of a first bank, the second Funds-Management server is a Second Bank Funds-Management server.
[Claim 5] The online fund management method according to Claim 1, wherein the Third Participant is a third-party institution, and the third party institution is at least anyone of a public security organ, a procuratorate, a court, a customs office, a tax authority.
[Claim 6] An online fund management method, its characteristic is that, the method includes:
The second Funds-Management server receives the First Participant delivered by the first Funds-Management server and requests for information of the second Participant's electronic certificate.
When it is confirmed that the request meets the condition for solving the electronic certificate, delivering the second Participant the information that the application has been requested to be settled;
The receiving Second Participant receives the suspension order that is delivered after receiving the information that has been applied for the payment, and in response to the suspension of the order and the payment of the electronic certificate, the Second Participant and the first Funds-Management server are respectively delivered to the Second Participant and the first Funds-Management server respectively;
The first Funds-Management server is an account management server of the First Participant, and the second Funds-Management server is an account management server of the Second Participant.
[Claim 7] A data interaction processing method, wherein the method comprises:
The first interactive party deliver a request to the First Service Party for obtaining a data value from the data unit of the second interactive party, where the request includes at least the data value requested for obtaining;
The First Service Party delivers the received request information to the Second Service Party;
When determining that the request satisfies the condition for obtaining the data value from the data certificate, the Second Service Party delivers, to the second interactive party, information that an application has obtained a data value;
The second interactive party delivers a suspend command to the Second Service Party after receiving the information that the application has acquired the data value;
Wherein the pause command includes at least a pause period;
When the Second Service Party responds to the suspension command and confirms that the status of the data certificate is not obtained, deliver information of suspending to obtain the data value of the data certificate to the second interactive party and the First Service Party respectively;
The First Service Party manages the data value of the data unit of the first interactive party and the data value of the data unit of the second interactive party that the Second Service Party manages.
[Claim 8] The data interaction processing method according to Claim 7, wherein when the status of the data certificate is not acquired, the second interactive party and the First Service Party are respectively delivered after the step of suspending acquiring the information of the data value of the data certificate, the method also includes:
The Second Service Party confirms whether it receives the processing instruction of the data certificate delivered by the third Party;
When the Second Server party receives the data certificate processing instruction delivered by the third interactive party, process the data certificate according to the processing instruction;
Wherein corresponding processing instruction is to freeze or release the data value of the data certificate, or obtain the data value from the data certificate;
When the Second Service Party does not receive the data certificate processing instruction delivered by the third interactive party and reaches the pause time corresponding to the suspension instruction, acquire the data value of the data certificate, and deliver the data value of the data certificate. The data value is increased to the target data unit.
[Claim 9] A data interaction processing method, wherein the method comprises:
The Second Service Party receives the request from the first interact party delivered by the First Service Party to acquire the data value from the data unit of the second interactive party.
Wherein the request includes at least the data value requested for acquisition;
When determining that the request satisfies the condition for obtaining the data value from the data certificate, deliver to the second interactive party, information that an application has obtained a data value;
In response to the pause command delivered by the second interactive party after the second interactive party receives the information that the data value has been acquired for obtaining, and when confirming that the state of the data certificate is not obtained, the second interaction Party and the First Service Party are respectively delivered to suspend the data value of the data certificate;
Wherein the pause command includes a pause period; the First Service Party manages the data value of the data unit of the first interactive party and the data value of the data unit of the second interactive party that the Second Service Party manages.
[Claim 10] A data interaction processing device, its characteristic is that, the device includes:
The receiving module is used to receive a request from a first interactive party delivered by a First Service Party to acquire a data value from a data unit of a second interactive party, where the request includes at least the data value requested to be obtained;
A processing module is used to confirm whether the request meets a condition for obtaining a data value from the data certificate and a pause command delivered in response to the second interactive party receiving the information about the acquired data value, and confirms whether the state of the data certificate is an unacquired state;
A delivering module, configured to deliver the information to the second interactive party to obtain the data value when the processing module is satisfied with the condition of obtaining the data value from the data certificate;
And deliver the information of suspending the obtaining of the data value of the data certificate to the second interactive party and the First Server party respectively when the processing module confirms that the state of the data certificate is an unacquired state;
The First Service Party manages the data value of the data unit of the first interactive party and the data value of the data unit of the second interactive party that the Second Service Party manages.