CA2993528C - Online funds management method, and data interaction processing method and device - Google Patents

Abstract

An online funds management method, data interaction processing method and device is disclosed, method comprising: first participant sends a request to freeze account funds of second participant to first funds management server; in response to the request, first server performs first participant identity checking; when first participant identity information checking is passed, upon confirming that funds to be frozen comprise at least a portion of funds of an electronic certificate of the second participant, the first server freezes funds not greater than an electronic certificate limit, and sends information of the electronic certificate having undergone funds freezing to a second funds management server; the second server sends the received information of the electronic certificate to a third participant; the third participant obtains the information of the electronic certificate. The method protects the interests of third participant, and improves the data security of a third interacting party.

Description

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

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

[3] [Background Technology]

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

[5] However, in the form of a third-party payment company guarantee, for the payee customer or payer, the funds have been paid to the third-party payment company when the commodity are not received, and once a third-party payment company has a problem, the payment to the client or the borrower is not guaranteed. Therefore, in the form of a third-party payment company guarantee, there is still a large risk of payment to the client or the borrower. Especially when the cash flow of the payer client or payer is abnormal, the third-party company cannot timely and effectively intervene and prevent the commodity provider from obtaining the funds for the sale of the commodity. For example, the amount of the commodity purchased by the paying customer or the payer due to the civil economic dispute cannot be paid to the commodity provider normally.

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

[7] [Summary of the Invention]

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

[9] In order to solve the above technical problem, the first technical solution adopted by the present invention is to provide an online fund management method, which includes: First Participant delivers a request for freezing Second Participant account funds to the First Funds-Management server; where the request includes at least a freeze account, a credit limit to be frozen, and a freeze period; and the First Funds-Management server responds to the request and verifies the First Participant, The first Funds-Management server verifies the identity information of the First Participant and confirms that the funds that need to be frozen include at least part of the funds of the second Participant's electronic certificate.
Freezing the funds not larger than the amount of the electronic certificate;
delivering the electronic certificate information after the funds are frozen to a second Funds-Management server; and delivering, by the second Funds-Management server, the received electronic certificate information. The third Participant obtains the electronic certificate information;
wherein the electronic certificate information at least includes available credit limits, and the first Funds-Management server is the second Participant's account management server, and the second Funds-Management server is the account management server of the Third Participant.

[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 First Funds-Management server receives the request to freeze Second Participant account Funds delivered by First Participant, and carries out the identity check of the First Participant; wherein the request at least comprises a frozen account number, a credit limit to be frozen, and a freezing deadline; when the identity verification passes and it is confirmed that the funds that need to be frozen include at least part of the funds of the Second Participant's electronic certificate, freezing funds not more than the amount of the electronic certificate; delivering the electronic certificate information after the funds are frozen to a second Funds-Management server; wherein the electronic certificate information at least includes at least one of the first Funds-Management server is an account management server of the Second Participant, and the second Funds-Management server is an account management server of the Third Participant.

[11] In the above solution, when the Second Participant's funds flow is abnormal, the First Participant requests the account management server of the Second Participant to freeze at least part of the funds of the Second Participant account; After the funds are successfully flozen, the account management server of the Second Participant delivers the Second Participant of the electronic certificate through the Third Participant's account management server to notify Third Participant that the Third Participant can be promptly notified to the Third Participant when the flow of the Second Participant is abnormal, so as to effectively ensure that Third Participant's financial interests are not compromised. The Second Participant's Account Management Server can also notify Third Participants via the Third Participant's account management server when the freeze period expires, releasing the funds frozen in the electronic certificate to ensure that Third Participant has real-time visibility into the second Participants electronic certificate.

[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 freezing the data value of the at least partial data of the second interactive party data unit to the First Service Party; wherein the request includes at least a frozen data value and a freeze period; and when receiving the request, the First Service Party performs identity verification on the first interactive party;
and when the First Service Party passes the identity verification of the First interaction Party, and confirms that the data value that needs to be frozen includes at least part of the data value of the data certificate of the second interactive Party, the freezing is not greater than the first data size of the data certificate data value, and delivers the data certificate information frozen in the first data to a Second Service Party; and Second Service Party send the data certificate information received to the third Party; the third interactive party obtains the data certificate information.

[13] In order to solve the above technical problem, a fourth technical solution adopted by the present invention is to provide a data interaction processing method, where the method including: The First Service Party receives the request for freezing the data value of the at least part of the data of the second interactive party delivered by the first interactive party, and performs identity verification on the first interactive party, where the request includes at least the identification of the data unit that needs to be frozen, the data value that needs to be frozen, and the freeze period; and when the identity verification passes and confirming that the data value to be frozen includes at least a part of the data value of the data certificate of the second interactive party, freezing the data value not greater than the data certificate data value; and delivering the data certificate information that has been frozen the first data to a Second Service Party.

[14] In order to solve the above technical problem, a fifth technical solution adopted by the present invention is to provide a data interaction processing device, where the device includes a receiving module is used for requesting, by the first interacting party, the data value of the at least part of the data of the second interacting party data unit that is frozen, Verifying the identity of the first interactive party, confirm whether the data value that needs to be frozen includes at least part of the data value of the data certificate of the second interactive party, wherein the request includes at least the identification of the data unit that needs to be frozen, the data value that needs to be frozen, and the freeze period; a verification module is used to verify the identity of the first interaction party; and a processing module is used for freezing the first data of the data certificate data that is not larger than the data certificate data value when the verification module passes the identification check and confirms that the data value that needs to be frozen includes at least part of the data value of the second party of the interactive party; and a delivering module is used to deliver the data certificate information of the frozen first data to the Second Service Party.

[15] In the above solution, when the data flow of the second interactive party is abnormal, the service party of the second interactive party in the first interacting party requests to freeze the data value of the at least partial data of the data unit of the second interactive party;
after the service party of the second interactive party transfers data certificate to successfully freeze the first data in the data certificate according to the request, the change information of the data certificate of the second interactive party is notified to the third party by the service party of the third interactive party, when the data flow of the second interactive party is abnormal, the third interactive party can be timely notified to avoid the risk of data security of the third party.

[16] The service party of the second interactive party may also notify the third interactive party through the service party of the third interactive party when the freezing time limit expires to unfreeze the frozen data value in the data certificate, so as to ensure that the third interactive party learns the dynamic information of the data certificate of the second interacting party in real time.

[17] [Brief Description]

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

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

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

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

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

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

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

[25] [Description of the Preferred Examples]

[26] 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.

[27] 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:

[28] S101: First Participant delivers a request to the First Funds-Management server to freeze funds for the Second Participant account.

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

[30] First Participant delivers a request to the First Funds-Management server to freeze the funds of the Second Participant account. Wherein, the request includes at least a freeze account, a credit limit to be frozen, and a freeze period. The first Funds-Management server is the account manager of Second Participant.

[31] Further, First Participant is a third-party institution that 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, Department without restriction.

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

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

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

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

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

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

[38] When the first Funds-Management server confirms that the First Participant's identity information is valid and confirms that the funds to be frozen include at least part of the funds of the Second Participant's electronic certificate, the electronic certificate of the pre-saved Second Participant is transferred to read the information in the electronic certificate and freeze the amount of funds that are not greater than the electronic certificate amount to stop the Second Participant from using at least some of the frozen funds in the electronic certificate. Deliver the electronic certificate information after the frozen Funds to the second Funds-Management server.

[39] It can be understood that all the funds corresponding to the electronic certificate can be frozen, or only part of the funds in the electronic certificate can be frozen, which is not limited herein.

[40] Wherein, the electronic certificate involved in the example of the present invention may be referred to as "Bank Credit Certificate". Bank Credit Certificate is a payment certificate of electronic credit commitment which is based on the application of the first participant by the funds management institution to freeze the applicant's funds or credit limit and opened in the name of the bank and commits to settle in accordance with the agreed conditions.

[41] Electronic certificate include at least the funding limit. Electronic certificate information includes at least the amount of funds available. The second Funds-Management server is the account administration server for the Third Participant. The second Funds-Management server is the account administration server for the Third Participant.

[42] 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.

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

[44] Further, the freezing information of funds is recorded after freezing funds that are not more than electronic certificate. Wherein, the funds freeze information includes at least the available funds and can include information such as the First Participant information requesting the frozen funds and the frozen amount of funds.

[45] Further, after the first Funds-Management server delivers the funds-frozen electronic certificate information to the second Funds-Management server, the first Funds-Management server determines whether the freezing period of the electronic certificate expires, and confirms whether to receive a request from First Participant to continue the funds freeze for the Second Participant account.

[46] When the first Funds-Management server determines that the freezing period of the electronic certificate expires and receives a request from the First Participant to continue to freeze the funds of the Second Participant account, the first Funds-Management server returns to step S102 to perform identity verification on the First Participant.

[47] When the first Funds-Management server determines that the freezing period of the electronic certificate expires and does not receive a request from First Participant to continue the freezing of the funds of the Second Participant account, the first Funds-Management server releases the frozen funds in the electronic certificate and freezes the funds after the electronic certificate information delivered to the second Funds-Management server.

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

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

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

[51] After receiving the electronic certificate information delivered by the second Funds-Management server, Third Participant obtains the amount of available funds for the electronic certificate and confirms whether to continue the transaction with Second Participant.

[52] For example, the Third Participant refuses to continue trading with the Second Participant when the amount of funds in the second Participant's electronic certificate is less than the amount corresponding to the commodity / services purchased by Second Participant. Third Participant may not ship to Second Participant, or may recall commodity that have already been issued.

[53] In the above solution, when the Second Participant's funds flow is abnormal, the First Participant requests the account management server of the Second Participant to freeze at least part of the funds of the Second Participant account; After the funds are successfully frozen, the account management server of the Second Participant delivers the Second Participant of the electronic certificate through the Third Participant's account management server to notify Third Participant that the Third Participant can be promptly notified to the Third Participant when the flow of the Second Participant is abnormal, so as to effectively ensure that Third Participant's financial interests are not compromised.

[54] The Second Participant's Account Management Server can also notify Third Participants via the Third Participant's account management server when the freeze period expires, releasing the funds frozen in the electronic certificate to ensure that Third Participant has real-time visibility into the second Participant's electronic certificate.

[55] 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:

[56] S201: the first Funds-Management server receives a request from the First Participant to freeze the funds of the Second Participant account, and performs identity verification on the First Participant.

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

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

[59] Wherein, the request includes at least a freeze account, a credit limit to be frozen, and a freeze period. The first Funds-Management server is the account manager of Second Participant.

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

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

[62] When the first Funds-Management server confirms that the identity information of the First Participant is valid and confirms that the funds to be frozen include at least part of the funds of the second Participant's electronic certificate, step S202 is performed.

[63] S202: When the identity verification is passed, and the funds that need to be frozen include at least part of the funds of the electronic certificate of the Second Participant, the amount of the electronic certificate shall be frozen.

[64] When the first Funds-Management server confirms that the First Participant's identity information is valid, the electronic certificate of the pre-saved Second Participant is transferred to read the information in the electronic certificate and freeze the amount of funds that are not greater than the electronic certificate amount to stop the Second Participant from using at least some of the frozen funds in the electronic certificate. It can be understood that all the funds corresponding to the electronic certificate can be frozen or only part of the funds in the electronic certificate can be frozen, which is not limited herein.

[65] Wherein, the electronic certificate involved in the example of the present invention may be referred to as "Bank Credit Certificate". Bank Credit Certificate is a payment certificate of electronic credit commitment which is based on the application of the first participant by the funds management institution to freeze the applicant's funds or credit limit and opened in the name of the bank and commits to settle in accordance with the agreed conditions.
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.

[66] Electronic certificate include at least the funding limit. The second Funds-Management server is the account administration server for the Third Participant. The second Funds-Management server is the account administration server for the Third Participant.

[67] Further, the freezing information of funds is recorded after freezing funds that are not more than electronic certificate. Wherein, the funds freeze information includes at least the available funds and can include information such as the First Participant information requesting the frozen funds and the frozen amount of funds.

[68] S203: Deliver the electronic certificate after the funds are frozen to a second Funds-Management server.

[69] After the first Funds-Management server freezes the funds not larger than the amount of the electronic certificate according to the request, the first Funds-Management server delivers the information of the electronic certificate after the funds are frozen to the second Funds-Management server so that the second Funds-Management server will receive electronic certificate information to Third Participant so that Third Participant can confirm whether to continue trading with Second Participant after obtaining the electronic certificate information.

[70] Wherein, the electronic certificate information includes at least the amount of available funds, and the second Funds-Management server is the account management server of the Third Participant.

[71] Further, First Participant is a third-party institution that 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, Depar tment without restriction.

[72] Further, after the first Funds-Management server delivers the funds-frozen electronic certificate information to the second Funds-Management server, the first Funds-Management server determines whether the freezing period of the electronic certificate expires, and confirms whether to receive a request from First Participant to continue the funds freeze for the Second Participant account.

[73] When the first Funds-Management server determines that the freezing period of the electronic certificate expires and receives a request from the First Participant to continue to freeze the funds of the Second Participant account, the first Funds-Management server returns to step S102 to perform identity verification on the First Participant.

[74] When the first Funds-Management server determines that the freezing period of the electronic certificate expires and does not receive a request from First Participant to continue the freezing of the funds of the Second Participant account, the first Funds-Management server releases the frozen funds in the electronic certificate and freezes the funds after the electronic certificate information delivered to the second Funds-Management server.

[75] In the above solution, the first Funds-Management server responds to the request of the First Participant to freeze the funds of the Second Participant account when the flow of the Second Participant is abnormal. After the funds of the Second Participant account are successfully frozen according to the request, Third Participant is notified of the electronic certificate information of the Second Participant account through Third Participant's account management server so that Third Participant can be promptly notified when the flow of the Second Participant is abnormal, so as to effectively ensure that Third Participant's interests are not impaired.

[76] The First Funds-Management server can also notify the Third Participant through Third Participant's account management server when the freeze period expires, releasing the funds frozen in the electronic certificate to ensure that Third Participant has real-time visibility into the second Participant's electronic certificate.

[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 Service Party receives the request for freezing the data value of the at least part of the data of the second interactive party delivered by the first interactive party, and performs identity verification on the first interactive party.

[79] When the second interactive party performs data interaction with the third interactive party and an abnormality occurs in the data unit of the second interactive party, the first interactive party delivers data of freezing at least part of the data of the second interacting data unit Value request. Wherein, the request at least includes an identifier of a data unit to be frozen, a data value to be frozen, and a freeze period.

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

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

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

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

[84] When the First Service Party confirms the identity information of the First interacting party, and the data value that needs to be frozen includes at least part of the data value of the data certificate of the second interactive Party, the execution step S302.

[85] S303: the First Service Party passes the identity verification of the first user, and confirms that the data value that needs to be frozen includes at least part of the data value of the data certificate of the second interactive Party, freezing no more than the first data of the data certificate data value.

[86] When the First Service Party confirms that the identity information of the first interactive party is true and confirms whether the data value to be frozen includes at least part of the data valuesof the data certificate of the second interactive party, calling the pre-saved second interactive party data certificate to obtain the information contained in the data certificate and freeze the first data not larger than the data certificate data value to stop second interactive party from using the frozen first data. It can be understood that the first data can be the data value of the data certificate, or it can be less than the data value of the data certificate.

[87] After that, the data certificate of the frozen first data is delivered to the Second Service Party. The data certificate information includes at least the data value that has not been frozen.

[88] Further, after the First Service Party delivers the data certificate information of freezing the first data to the Second Service Party, the First Service Party also determines whether the freeze period of the data certificate has expired and whether a request delivered by the first interacting party to continue to freeze the data value of at least part of the data of the second interacting party data unit is received.

[89] When the First Service Party determines that the freeze period of the data certificate has expired and receives a request for continuing to freeze the data value of at least part of the data of the second interactive party delivered by the first interactive party, the First Service Party returns to step S302, make an identification of the first interactive party.

[90] When the First Service Party determines that the freeze period of the data certificate has expired and the request for continuing to freeze the data value of at least part of the data of the second interactive party delivered by the first interactive party is not received, release the first data of data certificate and deliver the data certificate information after the first data to the Second Service Party.

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

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

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

[94] The third party obtains the data certificate information delivered by the Second Service Party, and then confirms whether to continue with the Second Participant.

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

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

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

[98] When the First Service Party passes identity verification on User A
and confirms that the password for managing the client managed by User B needs to be frozen includes the password for managing at least some clients in the data certificate of User B, transfer User B's data certificate to obtain the password of the administrative authority of all clients managed by User B, and freeze the password of the administrative authority of some clients.

[99] The First Service Party delivers the updated data certificate information of User B to the Second Service Party so that the Second Service Party notifies User C of the change information, so that after obtaining the change information of User B's data certificate, it is possible to confirm whether or not the password of the management authority of the Client 2 can also be obtained. When the password of the Client 2 cannot be obtained, the User A
cannot interact with the data. Wherein, the change information of User B's data certificate includes at least the password of the management authority for the frozen client.

[100] In the above, User A has higher management authority than User B. When User B has abnormal account information, User A performs risk control on the data interaction between user C and User B, It avoids the problem that the user C can't get the client data and avoid the risk of the security of the client data.

[101] Further, the requested data may also be text data, audio data, video data, program data or financial data in the financial field, etc. if it is the financial data, such as funds, then the second parties have the authority institutions of third party (such as the court, the customs, the tax authorities), the first interactive party is the buyer, the third interaction is the seller, the First Service Party is the First Funds-Management server, Second Service Party is the Second Funds-Management server, for example, the bank. If it is audio data, such as a song, the data requester and the data initiator may be clients with multimedia playing functions such as mobile phones, and the server is a music website server.

[102] In the above solution, when the data flow of the second interactive party is abnormal, the service party of the second interactive party in the first interacting party requests to freeze the data value of the at least partial data of the data unit of the second interactive party;
after the service party of the second interactive party transfers data certificate to successfully freeze the first data in the data certificate according to the request, the change information of the data certificate of the second interactive party is notified to the third party by the service party of the third interactive party, when the data flow of the second interactive party is abnormal, the third interactive party can be timely notified to avoid the risk of data security of the third party.

[103] The service party of the second interactive party may also notify the third interactive party through the service party of the third interactive party when the freezing time limit expires to unfreeze the frozen data value in the data certificate, so as to ensure that the third interactive party learns the dynamic information of the data certificate of the second interacting party in real time.

[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 First Service Party. The data interaction processing method in this example includes the following steps:

[105] S401: The First Service Party receives a request for freezing the data value of the at least part of the data of the second interactive party delivered by the first interactive party, performs identity verification on the first interactive party, and performs identity verification on the first interactive party.

[106] When the second interactive party performs data interaction with the third interactive party and an abnormality occurs in the data unit of the second interactive party, the First Service Party receives the request for the data value of at least part of the data in the second interactive data unit delivered by the First Service Party. Wherein, the request at least includes an identifier of a data unit to be frozen, a data value to be frozen, and a freeze period.

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

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

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

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

[111] S402: When the authentication is passed and the data value that needs to be frozen includes at least part of the data value of the data certificate of the second interactive party, the freezing is not greater than the first data of the data value of the data certificate.

[112] When the First Service Party confirms that the identity information of the first interacting party is real, the data certificate of the second interacting party that is saved in advance is called to get the information contained in the data certificate. The data certificate information includes at least the data value.

[113] The First Service Party, after obtaining the information contained in the data certificate, freezes the first data whose size is not larger than the data certificate data value. It can be understood that the first data can be the data value of the data certificate, or it can be less than the data value of the data certificate.

[114] S403: Deliver the data certificate information to the Second Service Party after freezing the first data.

[115] After that, the First Service Party will deliver the data certificate information of the frozen first data to the Second Service Party, so that when the third party receives the data certificate information delivered by the Second Service Party, the third party obtains the data certificate information, and then confirm whether to continue with the Second Participant. The data certificate information includes at least the data value that has not been frozen.

[116] Further, after the First Service Party delivers the data certificate information of freezing the first data to the Second Service Party, the First Service Party also determines whether the freeze period of the data certificate has expired and whether a request delivered by the first interacting party to continue to freeze the data value of at least part of the data of the second interacting party data unit is received.

[117] When the First Service Party determines that the freeze period of the data certificate has expired and receives a request for continuing to freeze the data value of at least part of the data of the second interactive party delivered by the first interactive party, the First Service Party returns to step, make an identification of the first interactive party.

[118] When the First Service Party determines that the freeze period of the data certificate has expired and the request for continuing to freeze the data value of at least part of the data of the second interactive party delivered by the first interactive party is not received, release the first data of data certificate and deliver the data certificate information after the first data to the Second Service Party.

[119] In the above solution, when the data flow of the second interactive party is abnormal, the First Service Party receives the request for freezing the data value of the at least partial data of the data units of the second interactive party delivered by the first interactive party; in the First Service Party after calling the data certificate of the second interactive party according to the data value of the at least partial data that is successfully frozen according to the request, notifying the third interactive party of the change information of the data certificate of the second interactive party through the service party of the third interactive party, when the data exchange between the two parties is abnormal, the third party is notified in time to effectively avoid the data security risk of the third party.

[120] The First Service Party may also notify the third interactive party through the service party of the third interactive party when the freezing time limit expires to unfreeze the frozen data value in the data certificate, so as to ensure that the third interactive party learns the dynamic information of the data certificate of the second interacting party in real time.

[121] 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.

[122] The first interactive party used to send a request to the First Service Party for data values that freeze at least part of the data unit of the second interactive Party.
Wherein, the request at least includes an identifier of a data unit to be frozen, a data value to be frozen, and a freeze period.

[123] The First Service Party is used to receive the request and perform identity verification on the first interactive party; after the identity verification on the first interactive party passes and confirming that the data value to be frozen includes the data certificate of the second interactive party, freezing the first data not larger than the data certificate data value when the at least part of the data value is frozen; wherein, the data certificate at least comprises the data value.

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

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

[126] In the above solution, when the data flow of the second interactive party is abnormal, the First Service Party receives the request for freezing the data value of the at least partial data of the data units of the second interactive party delivered by the first interactive party; in the First Service Party after calling the data certificate of the second interactive party according to the data value of the at least partial data that is successfully frozen according to the request, notifying the third interactive party of the change information of the data certificate of the second interactive party through the service party of the third interactive party, when the data exchange between the two parties is abnormal, the third party is notified in time to effectively avoid the data security risk of the third party.

[127] The First Service Party may also notify the third interactive party through the service party of the third interactive party when the freezing time limit expires to unfreeze the frozen data value in the data certificate, so as to ensure that the third interactive party learns the dynamic information of the data certificate of the second interacting party in real time.

[128] Please refer to Figure 7, Figure 7 is a schematic structural diagram of an example of a data interaction processing device according to the present invention. Each module included in the data interaction processing device in this example is used to execute each step in the example corresponding to Figure 5 and Figure 5. For details, refer to the example corresponding to Figure 5 and Figure 5, and details are not described herein again. The data interaction processing device 700 in this example includes a receiving module 710, a verification module 720, a processing module 730, and a delivery module 740.

[129] The receiving module 710 is used to perform identity verification on the first interactive party by using the request for freezing the data value of the at least partial data of the second interacting data unit delivered by the first interactive party, where the request includes at least the identification of the data unit that needs to be frozen, the data value that needs to be frozen, and the freeze period.

[130] The verification module 720 is used to perform identity verification on the first interactive party, and confirm whether the data value that needs to be frozen includes at least a part of the data value of the data certificate of the second interactive party.

[131] The processing module 730 is used to invoke the second interactive party when the verification module 720 passes the identity verification and confirms that the data value that needs to be frozen includes at least a part of the data value of the data certificate of the second interaction party's data certificate, freeze the first data that is not greater than the data value of the data certificate.

[132] The delivering module 740 is used to deliver data certificate information that has been frozen the first data to a Second Service Party, where the data certificate information at least includes data valuesthat are not frozen.

[133] Further, the processing module 730 is also used to deliver the data certificate information through the frozen first data to the Second Service Party after the transmission module 740, determine whether the freezing period of the data certificate expires and determine whether the receiving module 710 receives a request delivered by the first interactive party and continuing to freeze the data value of the at least part of the data of the second interactive party data unit;

[134] When the processing module 730 determines that the freeze period of the data certificate has expired and the receiving module 710 receives the request delivered by the first interactive party to continuously freeze the data value of the at least partial data of the second interactive party data unit, identify the first interactive party;

[135] When the processing module 730 determines that the freezing period of the data certificate expires and the receiving module 710 does not receive the request for continuing to freeze the data value of the at least part of the data of the second interactive party delivered by the first interactive party, release data certificate and controls the delivering module 740 to deliver the data certificate information after unfreezing the first data to the Second Service Party.

[136] In the above solution, when the data flow of the second interactive party is abnormal, the data interaction processing device receives the request for freezing the data value of the at least partial data of the data units of the second interactive party delivered by the first interactive party; in the data interaction processing device after calling the data certificate of the second interactive party according to the data value of the at least partial data that is successfully frozen according to the request, notifying the third interactive party of the change information of the data certificate of the second interactive party through the service party of the third interactive party, when the data exchange between the two parties is abnormal, the third party is notified in time to effectively avoid the data security risk of the third party.

[137] The data interaction processing device may also notify the third interactive party through the service party of the third interactive party when the freezing time limit expires to unfreeze the frozen data value in the data certificate, so as to ensure that the third interactive party learns the dynamic information of the data certificate of the second interacting party in real time.

[138] 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.

[139] The above is only an example of the present invention and is not intended to limit the scope of the invention as a matter of limitation, either by way of equivalent construction or equivalent process transformation using the present specification and the accompanying drawings, directly or indirectly used in other related technical fields, which are included in the scope of the patent protection of the present invention.

Date Recue/Date Received 2020-06-02

Claims (61)

Claims:

1. A computer implemented method for managing online funds in an electronic transaction and transferring possession of one or more commodity and service between participants, the method comprising:
a first participant delivers a request for freezing funds in an account of a second participant to a first funds-management server when a dispute occurs between the second participant and a third participant or an abnormal capital flow from the second participant, wherein the first funds-management server is an account management server for the second participant, wherein the request includes the account number for freezing, an amount of funds for freezing and a freezing period;
the first funds-management server verifies identification of the first participant when receiving the request;
the first funds-management server freezes the amount of funds in the account of the second participant according to the amount of funds in an electronic certificate of the second participant, when the verification is passed;
the first funds-management server updates the electronic certificate with frozen information to a second funds-management server, wherein the electronic certificate with frozen information includes an available amount of funds; and the third participant receives the electronic certificate with frozen information sent by the second funds-management server, wherein the second funds-management server is an account management server for the third participant.

2. The method of claim 1 further includes the first funds-management server verifies continuously the identification of the first participant, when the freezing period is expired and the first funds-management server receiving another request for freezing funds in the account of the second participant.

3. The method of claim 1 further includes the first funds-management server unfreezes the amount of funds in the account of the second participant according to the amount of funds in the electronic certificate of the second participant; and the first funds-management server delivers an updated electronic certificate with an unfrozen information to the second funds-management server.

4. The method of any one of claims 1 to 3, wherein the first funds-management server is the same server with the second funds-management server.

5. The method of any one of claims 1 to 4, wherein the first funds-management server is the server in a first financial institution.

6. The method of any one of claims 1 to 5, wherein the second funds-management server is the server in a second financial institution.

7. The method of any one of claims 1 to 4, wherein the first participant is configured a participant of a third-party authority having authority to freeze the funds.

8. The method of claim 7, wherein the third-party authority includes a customs office.

9. The method of claim 7, wherein the third-party authority includes a tax agency.

10. The method of claim 3, wherein the unfrozen funds are deposits of the second participant on the first funds-management server.

11. The method of claim 3, wherein the unfrozen funds are credits of the second participant on the first funds-management server.

12. The method of claim 3, wherein the unfrozen funds are funds corresponding to real estate mortgaged by the second participant on the first funds-management server.

13. A computer implemented method for managing online funds in an electronic transaction and transferring possession of one or more commodity and service between participants, applied in a first funds-management server, the method comprising:
receiving a request for freezing funds in an account of a second participant from a first participant when a dispute occurs between the second participant and a third participant or an abnormal capital flow from the second participant, wherein the first funds-management server is an account management server for the second participant, wherein the request includes the account number for freezing, an amount of funds for freezing and a freezing period;
verifying identification of the first participant when receiving the request;
freezing the amount of funds in the account of the second participant according to the amount of funds in an electronic certificate of the second participant, when the verification is passed; and updating the electronic certificate with frozen information to a second funds-management server, wherein the electronic certificate with frozen information includes an available amount of funds, wherein the second funds-management server is an account management server for the third participant.

14. The method of claim 13 further includes verifying continuously the identification of the first participant, when the freezing period is expired and the first funds-management server receiving another request for freezing funds in the account of the second participant.

15. The method of claim 13 further includes :

unfreezing the amount of funds in the account of the second participant according to the amount of funds in the electronic certificate of the second participant; and delivering an updated electronic certificate with an unfrozen information to the second funds-management server.

16. The method of any one of claims 13 to 15, wherein the first funds-management server is the same server with the second funds-management server.

17. The method of any one of claims 13 to 16, wherein the first funds-management server is the server in a first financial institution.

18. The method of any one of claims 13 to 17, wherein the second funds-management server is the server in a second financial institution.

19. The method of any one of claims 13 to 18, wherein the first participant is configured a participant of a third-party authority having authority to freeze the funds.

20. The method of claim 19, wherein the third-party authority includes a customs office.

21. The method of claim 19, wherein the third-party authority includes a tax agency.

22. The method of claim 15, wherein the unfrozen funds are deposits of the second participant on the first funds-management server.

23. The method of claim 15, wherein the unfrozen funds are credits of the second participant on the first funds-management server.

24. The method of claim 15, wherein the unfrozen funds are funds corresponding to real estate mortgaged by the second participant on the first funds-management server.

25. A data interaction processing method in a data transaction and transferring possession of one or more commodity and service between participants, the method comprising:
a first participant delivers a request for freezing funds in a data unit of a second participant to a first server when a dispute occurs between the second participant and a third participant or an abnormal capital flow from the second participant, wherein the first server is a data unit management server for the second participant, wherein the request includes identifier of the data unit for freezing, an data value for freezing and a freezing period;
the first server verifies identification of the first participant when receiving the request;
the first server freezes the data value in the data unit of the second participant according to the data value in a data certificate of the second participant, when the verification is passed;
the first server updates the data certificate with frozen information to a second server, wherein the data certificate with the frozen information includes an available data value;
and the third participant receives the data certificate with the frozen information sent by the second server, wherein the second server is a data unit management server for the third participant.

26. The method of claim 25 further includes the first server verifies continuously the identification of the first participant, when the freezing period is expired and the first server receiving another request for freezing funds in the data unit of the second participant.

27. The method of claim 25 further includes:
the first server unfreezes the data value in the data unit of the second participant according to the data value in the data certificate of the second participant;
and the first server delivers an updated data certificate with an unfrozen information to the second server.

28. The method of any one of claims 25 to 27, wherein the first server is the same server with the second server.

29. The method of any one of claims 25 to 28, wherein the first server is the server in a first financial institution.

30. The method of any one of claims 25 to 29, wherein the second server is the server in a second financial institution.

31. The method of any one of claims 25 to 30, wherein the first participant is configured a participant of a third-party authority having authority to freeze the funds.

32. The method of claim 31, wherein the third-party authority includes a customs office.

33. The method of claim 31, wherein the third-party authority includes a tax agency.

34. The method of claim 27, wherein the unfrozen funds are deposits of the second participant on the first server.

35. The method of claim 27, wherein the unfrozen funds are credits of the second participant on the first server.

36. The method of claim 27, wherein the unfrozen funds are funds corresponding to real estate mortgaged by the second participant on the first server.

37. A data interaction processing method in a data transaction and transferring possession of one or more commodity and service between participants, applied in a server, the method comprising:
receiving a request for freezing funds in a data unit of a second participant from a first participant when a dispute occurs between the second participant and a third participant or an abnormal capital flow from the second participant, wherein the first server is a data unit management server for the second participant, wherein the request includes identifier of the data unit for freezing, an data value for freezing and a freezing period;
verifying identification of the first participant when receiving the request;
freezing the data value in the data unit of the second participant according to the data value in a data certificate of the second participant, when the verification is passed; and updating the data certificate with a frozen information to a second server, wherein the data certificate with the frozen information includes an available data value, wherein the second server is a data unit management server for the third participant.

38. The method of claim 37 further includes verifying continuously the identification of the first participant, when the freezing period is expired and the first server receiving another request for freezing funds in the data unit of the second participant.

39. The method of claim 37 further includes:
unfreezing the data value in the data unit of the second participant according to the data value in the data certificate of the second participant; and delivering an updated data certificate with an unfrozen information to the second server.

40. The method of any one of claims 37 to 39, wherein the first server is the same server with the second server.

41. The method of any one of claims 37 to 40, wherein the first server is the server in a first financial institution.

42. The method of any one of claims 37 to 41, wherein the second server is the server in a second financial institution.

43. The method of any one of claims 37 to 42, wherein the first participant is configured a participant of a third-party authority having authority to freeze the funds.

44. The method of claim 43, wherein the third-party authority includes a customs office.

45. The method of claim 43, wherein the third-party authority includes a tax agency.

46. The method of claim 39, wherein the unfrozen funds are deposits of the second participant on the first server.

47. The method of claim 39, wherein the unfrozen funds are credits of the second participant on the first server.

48. The method of claim 39,wherein the unfrozen funds are funds corresponding to real estate mortgaged by the second participant on the first server.

49. A device for data interaction processing in a data transaction and transferring possession of one or more commodity and service between participants, the device comprising:

a receiving module configured to receive a request for freezing funds in a data unit of a second participant from a first participant when a dispute occurs between the second participant and a third participant or an abnormal capital flow from the second participant, wherein the first server is a data unit management server for the second participant, wherein the request includes identifier of the data unit for freezing, an data value for freezing and a freezing period;
a verifying module configured to verify identification of the first participant when receiving the request;
a processing module configured to freeze the data value in the data unit of the second participant according to the data value in a data certificate of the second participant, when the verification is passed; and a sending module configured to update the data certificate with frozen information to a second server, wherein the data certificate with frozen information includes an available data value, wherein the second server is a data unit management server for the third participant.

50. The device of claim 49, wherein the verifying module is further configured to verify continuously the identification of the first participant, when the freezing period is expired and the first server receiving another request for freezing funds in the data unit of the second participant.

51. The device of claim 49, wherein the processing module is further configured to unfreeze the data value in the data unit of the second participant according to the data value in the data certificate of the second participant.

52. The device of claim 49, wherein the sending module is further configured to deliver an updated data certificate with an unfrozen information to the second server.

53. The device of any one of claims 49 to 52, wherein the first server is the same server with the second server.

54. The device of any one of claims 49 to 53, wherein the first server is the server in a first financial institution.

55. The device of any one of claims 49 to 54, wherein the second server is the server in a second financial institution.

56. The device of any one of claims 49 to 55, wherein the first participant is configured a participant of a third-party authority having authority to freeze the funds.

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

58. The device of claim 56, wherein the third-party authority includes a tax agency.

59. The device of claim 51, wherein the unfrozen funds are deposits of the second participant on the first server.

60. The device of claim 51, wherein the unfrozen funds are credits of the second participant on the first server.

61. The device of claim 51, wherein the unfrozen funds are funds corresponding to real estate mortgaged by the second participant on the first server.