CA2993529A1

CA2993529A1 - Electronic certificate setting method, data interaction processing method, and device and system therefor

Info

Publication number: CA2993529A1
Application number: CA2993529A
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: CN106462836A; WO2017012002A1

Abstract

An electronic certificate setting method, a data interaction processing method, and a device and system therefor, the electronic certificate setting method comprising: after sending an opening request for an electronic certificate to a first funds management server, a first participant sends a setting request for the electronic certificate to the first funds management server, the setting request comprising information of a period of validity to be set for the electronic certificate (101); in response to the setting request, the first funds management server, upon determining that the setting request satisfies a predetermined setting condition, resets a period of validity of the electronic certificate according to the information of the period of validity to be set (102); in response to the opening request, the first funds management server freezes funds in a specified account of the first participant which are equal to a limit carried by the opening request or supports credit in the specified account of the first participant which is equal to the limit carried by the opening request, and opens the electronic certificate (103). Via the described means, the period of validity of the electronic certificate can be set according to requirements.

Description

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2 PCT/CN2015/084569 Title: Electronic Certificate Setting Method, Data Interaction Processing Method, And Device And System Therefor [1] [Technical Field]
[2] The present invention relates to the field of electronic commerce, and in particular, to an electronic certificate setting method, a data interaction processing method, a device and a system thereof.

[3] [Background Technology]

[4] With the development of Internet technology and mobile Internet technology in particular, users can connect to the Internet through mobile devices using 2G, 3G, 4G or WiFi to conduct transactions and social activities. Internet users can easily and effectively conduct online activities. In the application of E-commerce, it can not only connect traditional buyers, sellers, logistics, finance, etc., but also form the networking, computerization and informatization of the whole transaction process, which reduces transaction costs and improves transaction efficiency.

[5] However, in the existing E-commerce applications, the whole transaction process mainly depends on the traditional payment methods, such as the method of direct electronic payment transfer and the third-party payment. Transaction form is too single, lack of customization, cannot be customized payment methods. And once the transaction starts, the parameters of the payment method cannot be modified, such as the expiration date.

[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 example of the present invention is to provide a method for setting an electronic certificate and a device and a system thereof, which are capable of setting the validity period of an electronic certificate as required.

[9] In order to solve the above technical problem, the first technical solution adopted by the examples of the present invention is: providing an electronic certificate setting method, including: First Participant delivers an electronic certificate establishment request to the first Funds-Management server, and then delivers a setting request of the electronic certificate to the first Funds-Management server, where the setting request includes the expiry date information for the electronic certificate; and in response to the setting request, the first Funds-Management server resets the validity period of the electronic certificate according to the to-be-set validity period information when determining that the setting request meets a predetermined setting condition; in response to the opening request, the first Funds-Management server may freeze funds in the designated account of the First Participant that is equal to the quota carried in the open request or may invoke the first participant in the designated account of the first participant, request to bring credit equal to the amount of credit and open the electronic certificate.

[10] In order to solve the above technical problem, a second technical solution adopted in the examples of the present invention is to provide a method for setting an electronic certificate, where the method includes: the first Funds-Management server receives a setting request of the electronic certificate delivered by the First Participant after delivering an opening request of the electronic certificate, wherein, the setting request includes the information of the expiry date of the electronic certificate; the validity period of the electronic certificate shall be reset according to the information of the set period when the setting request meets the preset setting condition; in response to the opening request, the first Funds-Management server may freeze funds in the designated account of the First Participant that is equal to the quota carried in the open request or may invoke the first participant in the designated account of the first participant, request to bring credit equal to the amount of credit and open the electronic certificate.

[11] In order to solve the above technical problem, a third technical solution adopted in an example of the present invention is to provide a system for setting an electronic certificate, including: the first participating terminal is used to deliver electronic certificate to the first Funds-Management server, deliver the setting request of the electronic certificate to the first Funds-Management server, wherein, the setting request includes the information of the expiry date of the electronic certificate; the first Funds-Management server is used to reset the validity of the electronic certificate according to the information to be set when the setting request is in accordance with the set condition, and in response to the opening request, freezing funds equal to the amount carried in the opening request in the first participating terminal user designated account or with the opening of the first participating terminal user in the designated account, make a request for a credit of equal amount and open the electronic certificate.

[12] In order to solve the above technical problem, a fourth technical solution adopted in the examples of the present invention is to provide a Funds-Management server, including: the receiving module is used to receive the setting request of the electronic certificate issued by the first participating terminal after issuing the electronic certificate, wherein, the setting request includes the information of the expiry date of the electronic certificate; and a setting module is used to respond to the setting request and to reset the validity period of the electronic certificate according to the period of validity to be set up when judging the setting request meets the preset setting conditions; and an opening module is used to in response to the opening request, freezing funds equal to the amount carried in the opening request in the first participating terminal user designated account or with the opening of the first participating terminal user in the designated account, make a request for a credit of equal amount and open the electronic certificate.

[13] In the above electronic certificate setting method and related devices and system solutions, First Participant may deliver an electronic certificate to the first Funds-Management server according to its own needs during the process of opening the electronic certificate by the first funds management server. The first Funds-Management server determines that the setting request is valid, and resets the validity period of the electronic certificate according to the setting request of the First Participant, so that an effective and on-demand validity period of the electronic certificate is achieved. Since the electronic certificate is issued by freezing the corresponding amount of the First Participant or using the corresponding amount of credit and can be used as a fmancial instrument for online transactions to reduce the risk of online transactions and when First Participant needs to modify the validity of electronic certificate, there is no need to re-open electronic certificate, which simplifies the operation, thus improving the efficiency of the transaction, speeding up E-commerce activities and improving the user experience. And the electronic certificate was opened by Funds-Management server. Based on the strong strength and countermeasure of Funds-Management server, it will strengthen the self-discipline of Second Participant to meet the whole process and further reduce the risk.

[14] An object of examples of the present invention is to provide a data interaction processing method and system.

[15] In order to solve the above technical problem, a fifth technical solution adopted in the examples of the present invention is to provide a data interaction processing method, where the method includes: after the first terminal delivers an open request for data certificate to the First Server, and then delivers the setting request for the data certificate to the First Server, where the setting request includes the to-be-set validity period information of the data certificate; and in response to the setting request, the first server determines that the setting request meets a preset setting condition, the validity period of the data certificate is reset according to the information to be set up for validity period; and the First Server responds to the opening request and establishes a data association relationship with the data value of the same data value that the request carries with the First terminal, and opens the data certificate.

[16] In order to solve the above technical problem, a sixth technical system adopted in the examples of the present invention is to provide a data interaction processing method, includes: after the first terminal is used to deliver an open request for data certificate to the First Server, and then delivers the setting request for the data certificate to the First Server, where the setting request includes the to-be-set validity period information of the data certificate; and in response to the setting request, the first server is used to determine that the setting request meets a preset setting condition, the validity period of the data certificate is reset according to the information to be set up for validity period; and responds to the opening request and establishes a data association relationship with the data value of the same data value that the request carries with the First terminal, and opens the data certificate.

[17] When the first terminal opens the data certificate, the first terminal may deliver a request for setting the validity period of the data certificate to the First Server according to its own needs. The First Server determines, according to the first terminal's request, that the setting request is valid. Therefore, the validity period of the data certificate is set according to the setting request. Therefore, the valid period of the data certificate is set as required. Since the data association between the server and the first terminal is established during the process of establishing the data certificate, which realizes the data exchange based on the online. When the first terminal needs to modify the validity period of the data certificate, it does not need to reopen the data certificate, thus simplifying the operation, thereby improving the efficiency of online data interaction and improving the user experience. And the First Server establishes the data certificate after establishing a data association relationship with the first terminal that is equal to the numerical value of the data certificate, which is favourable for the first terminal to make overall arrangement and use of data and improve data utilization.

[18] [Brief Description]

[19] Figure 1 is a schematic flow chart of an example of a method for setting an electronic certificate according to the present invention;

[20] Figure 2 is a schematic flow chart of another example of a method for setting an electronic certificate according to the present invention;

[21] Figure 3 is a structural schematic diagram of an example of an electronic certificate setting system according to the present invention;

[22] Figure 4 is a structural schematic diagram of another example of an electronic certificate setting system according to the present invention;

[23] Figure 5 is a schematic structural diagram of an example of a Funds-Management server according to the present invention;

[24] Figure 6 is a schematic flow chart of a data interaction processing method in example one of the present invention;

[25] Figure 7 is a schematic structural diagram of a data interaction processing system in an example of the present invention.

[26] [Description of the Preferred Examples]

[27] In the following description, in order to illustrate, not to qualify, specific details such as specific system structure, interfaces, and technology are presented to make a thorough understanding of this application. However, technical personnel in this field should be aware that this application can be implemented in other implementation ways without these specific details. In other instances, omit the detailed instructions on the well-known devices, circuits, and methods to avoid unnecessary details that prevent the description of the application.

[28] For ease of understanding, the electronic certificate defined by the present invention will be described first.

[29] Electronic certificate is the payment certificate of electronic that First Participant applies to the first Funds-Management server for deposit with its account funds or credit limit and is opened by the first Funds-Management server, and payment certificate of electronic credit commitment to be settled in accordance with the agreed terms. The credit limit, for example, gives the first Funds-Management server the credit limit of the First Participant, or the funds corresponding to the First Participant in the real estate mortgaged by the first Funds-Management server.

[30] This electronic certificate is used for online fund management of First Participant and Second Participant, such as First Participant and Second Participant's commodity or services transactions, or mortgage guarantees, for example, First Participant will issue an electronic certificate to the First Funds-Management server as a guarantee for the Second Participant loan.

[31] Please refer to Figure 1, Figure 1 is a schematic flow chart of an example of an electronic certificate setting method according to the present invention. The method flow shown in this example includes:

[32] 101: First Participant delivers a set-up request for the electronic certificate to the first Funds-Management server after delivering an opening request for the electronic certificate to the first Funds-Management server, where the set-up request includes the to-be-set validity period information of the electronic certificate.

[33] In an example, when the First Participant and the Second Participant request to form an order based on the product of the Second Participant or when the order is prepared, the First Participant requests the First Funds-Management server to open the electronic certificate. Wherein, the request for opening includes the amount of the electronic certificate, the identity information of First Participant, payment account information and so on. Optionally, after receiving the opening request of the First Participant, the first Funds-Management server generates pre-issuing information including the content of the opening request and delivers the pre-issuing information to the First Participant to obtain the confirmation information of the First Participant, then start the electronic certificate.

[34] Wherein, the opening request may also include information such as Second Participant of the electronic certificate, identity information such as contact number, email address, ID
number, and social account information such as WeChat number and QQ number so that the Second Participant can collect the electronic certificate. It is understandable that in another example, the request for establishing may further not include the information of the collecting party. At this time, any party that obtains the information of the electronic certificate may be the receiving party of the electronic certificate.

[35] The first Funds-Management server initializes the validity period of the electronic certificate according to the locally-stored preset validity period during the process of opening the electronic certificate according to the first Participant's request for establishment, or the original request also includes the original validity information, the first Funds-Management server initializes the validity period of the electronic certificate according to the original validity period information. When the First Participant needs to modify the validity period of the electronic certificate, the First Participant delivers the first Funds-Management server a validity period setting request for the electronic certificate, so that the first Funds-Management server modifies the validity period of the electronic certificate according to the setting request.

[36] In a specific application example, the First Participant's specific steps for issuing the electronic certificate to the First Funds-Management server to the setting request for the electronic certificate are also available, that is the above 101 may specifically include the following step:

[37] a, First Participant delivers an electronic certificate opening request to the first Funds-Management server;

[38] b, The First Funds-Management server responds to the request and generates the pre-opening information containing the original validity information and delivers the pre-opening information to the First Participant;

[39] Wherein, the original validity period information in the pre-issuing information may be carried in the opening request or prestored locally by the first Funds-Management server.
Specifically, when the opening request includes the identity information of the First Participant, the first Funds-Management server generates the pre-opening message including the original validity period information in response to the opening request when the identity information of the First Participant passes the verification certificate information, wherein the verification of the identity information of the First Participant may include that the First Participant is an account associated with the first Funds-Management server, the identity information of the First Participant is valid, and / or the First Participant does not have a bad credit record or is a white list user. In addition, the first Funds-Management server may further determine whether the First Participant belongs to a special group, such as a minor, according to the identity information of the First Participant, and when determining whether the First Participant belongs to a special group, the amount of the electronic certificate of the corresponding judgement applies to the limit of the amount of the group, such as the limit of the amount of the electronic acceptance certificate which is forbidden to the minors, which is more than 2000, etc. If the amount is in conformity, the verification will be passed.

[40] c. The First Participant obtains the original validity period information in the pre-issuing information and delivers the setting request of the electronic certificate to the first Funds-Management server. For example, if the First Participant determines that the original validity period information is incorrect or needs to reset the validity period information of the electronic certificate for other reasons, the setting request is delivered.

[41] 102: In response to the setting request, the first Funds-Management server resets the validity period of the electronic certificate according to the to-be-set validity period information when it is determined that the setting request meets a preset setting condition.

[42] Wherein the setting request includes the identification of the electronic certificate and the information about the expiration date to be set. For example, the first funds server determines, according to the identifier, that an electronic certificate needs to be set, and determines that the to-be-set validity period information in the setting request is a valid date, and resets the validity period of the electronic certificate corresponding to the to-be-set validity period information. Of course, the conditions for the setting may also be adjusted according to the specific conditions. For example, the delivering time for the setting request does not exceed the settable date for the validity period of the electronic certificate, which is not limited herein.

[43] Specifically, the electronic certificate is pre-divided into several functional periods . .

according to a transaction process. For example, after the electronic certificate is opened, the electronic certificate includes a collection period, a performance period, a receipt period, a settlement period and a liquidation period. The collection period is the period for applying for collection of permits in Second Participant. The electronic certificate is invalid if the application is overdue, the electronic certificate enters the performance period after receiving the certificate. The performance period is the time limit for the Second Participant to submit the performance information such as the delivery information, and the electronic certificate shall be invalid if the performance information is not submitted within the time limit, after submitting the performance information, electronic certificate enters the signing period; the deadline for the Second Participant to release and obtain the same amount of funds as the First Participant and the electronic certificate amount, if the payment information is not submitted, the electronic certificate shall be invalid, after submitting the application for payment, electronic certificate will enter the payment period;
the settlement period is a request for the Second Participant. The first Funds-Management server releases the First Participant and the electronic certificate Funds and transferred to Second Participant through the second Funds-Management server deadline, if the overdue payment fails, the electronic certificate will be invalidated and the electronic certificate will be settled in the settlement period. The settlement period is the period for the Second Participant to refund the funds to the First Participant if the transaction fails such as returning commodity. The total validity period of the electronic certificate is the total validity period of the electronic certificate in the transaction process, which is greater than or equal to the sum of the valid periods of each function period of the electronic certificate.

[44] The above electronic certificate can be validated as an absolute date, for example, the total expiry date is 12th June, 2015, or as a relative time, such as 30 days after the electronic certificate is successfully opened.

[45] In the above 102, the to-be-set-to-expiration information of the electronic certificate in the setting request includes the total expiration date of the electronic certificate, the validity period of each function period of electronic certificate, the priority information of the total validity period, and the priority information to set the expiry date of each function period.
The step of resetting the validity period of the electronic certificate according to the to-be-set validity period information may specifically include:

[46] When the first Funds-Management server determines that the priority of setting the expiration date of each function period is higher than the priority of the total expiration setting, the validity period of each function period of the electronic certificate shall be reset according to the information of the period of validity to be set, reset the total period of validity of the electronic certificate; and when determining the priority of the overall validity period of the set of Settings, according to the information of the validity period, the total validity of the electronic certificate shall be reset, and the validity period of each function period of the electronic certificate shall be reset.

[47] For example, the validity period of electronic certificate includes the total duration of electronic certificate is 30 days, the period of receipt of electronic certificate is 1 day, the performance period is 7 days, the receipt period is 7 days, the settlement period is 1 day, and the settlement period is the remaining effective days, the priority of setting the total validity period is lower than the priority setting the validity period of each function period.
First Funds-Management server according to the certificate of validity of electronic information, first electronic certificate of admission period, the performance period, the receipt, the settlement period, the liquidation period sequentially reset to 1 day, 7 days, 7 days, 1 day, 14 days, and then reset the electronic certificate the total period of validity is 30 days.

[48] Further, the step of resetting the validity period of each function period of the electronic certificate includes: resetting the validity period of each function period of the electronic certificate to the corresponding one of the to-be-set validity period information. The remaining validity period of the previous functional period is the remaining validity period of the previous functional period, which is the difference between the reset previous validity period of the previous functional period and the actual completion period of the previous functional period.

[49] For another example, the validity period of the electronic certificate is as in the above example. The first Funds-Management server permanently resets the validity period of the certificate collection period of the first functional period to 1 day, and the validity period of the remaining functional periods is set to be dynamic. When the Second Participant's physical verification time is 0.5 day, the remaining 0.5 days will accumulate into the compliance period, that is, the valid period of the compliance period is 7.5 days. Similarly, when the Second Participant submits the compliance information after 3 days, the remaining 4.5 days accumulate to the receipt period, that is, the validity of the receipt period of 11.5 days, and so on.

[50] 103: In response to the opening request, the first Funds-Management server may freeze funds in the designated account of the First Participant that is equal to the quota carried in the open request or may invoke the First Participant in the designated account of the First Participant, request the credit of carrying the same amount, and open the electronic certificate.

[51] For example, the first Funds-Management server may freeze the First Participant after receiving a request for opening the First Participant and determining that the quota of the funds / credits of the designated account of the First Participant is not less than the quota carried by the opening request. The funds in the designated account that are equal to the quota carried by the opening request or the credit equivalent to the quota carried in the opening request in the designated account of the First Participant, and setting the electronic device according to the content of the open request certificate to complete the establishment of the electronic certificate, wherein the validity period of the electronic certificate is the expiration date of the electronic certificate reset in 102 above.

[52] Wherein, funds / credits for the designated account of First Participant are not limited to those created or stored by the Funds-Management server. The frozen fund /
credit is the deposit of the First Participant's designated account on the first Funds-Management server or other Funds-Management server or the credit given to the designated account of the First Participant or this First Participant specifies the corresponding funds for the real estate in the account secured by the account.

[53] Upon completion of opening the electronic certificate, the first Funds-Management server delivers the electronic certificate information to First Participant.

[54] For example, after First Participant requests the first Funds-Management server to open an electronic certificate of 100,000, and before the electronic certificate is not yet opened, the first Participant delivers a request for setting the validity period of the electronic certificate to the first Funds-Management server, wherein the information of the validity period of the electronic certificate to be set includes a total effective period of 30 days and each functional period of validity of 1,7,7,1,1 days respectively. After determining that the setting request is valid, the first Funds-Management server sets the validity period of the electronic certificate according to the information about the expiration date to be set and freezes up the funds of 100,000 in the designated account of First Participant and opens the electronic with an amount of 100,000 certificate. When the First Participant and the Second Participant are in the transaction, the electronic certificate information is delivered to the Second Participant. After the Second Participant fulfils the contract with the First Participant, request for collection of second Funds-Management server. Based on the certificate request, informing First Funds-Management server to release the 100,000 Funds under the First Participant's designated account and transferring the 100,000 Funds into the designated account of Second Participant, and realize the transaction based online funds management.

[55] In the above example, the first Funds-Management server is an account Funds-Management server of the First Participant, and the second Funds-Management server is an account Funds-Management server of the Second Participant.
Further, the first Funds-Management server may be a Funds-Management server of a first bank, and the second Funds-Management server may be a Funds-Management server of a second bank.
Alternatively, the first Funds-Management server and the second Funds-Management server may be the same Funds-Management server. The First Participant and the Second Participant are clients or terminals of the client. Correspondingly, the designated account of the First Participant is an account designated by the First Participant and the designated account of the Second Participant is an account designated by the Second Participant.

[56] In an application example, an electronic certificate may refer to a payment certificate of electronic credit commitment that a bank holds in the name of a bank on the basis of the funds frozen by the issuer or a credit limit thereof and promises to be settled according to the terms and conditions. Correspondingly, the basic business process of electronic certificate: the issuing bank, according to the application of the opening witness, freeze the required amount of funds to open the electronic certificate, when the agreed condition for the settlement are reached, the issuing bank will settle the funds for payment and settlement.

[57] It can be understood that, the foregoing example only illustrates the way that the First Participant resets the validity period of the electronic certificate once during the opening of the electronic certificate, but in other examples, the First Participant reset the validity period of the electronic certificate multiple times according to the above method.

[58] Please refer to Figure 2, Figure 2 is a schematic flow chart of another example of an electronic certificate setting method according to the present invention. The method flow shown in this example includes:

[59] 201: the first Funds-Management server receives a setting request of the electronic certificate delivered by the First Participant after delivering an opening request of an electronic certificate, where the setting request includes the to-be-set validity period information of the electronic certificate.

[60] The request for opening includes the amount of the electronic certificate, First Participant's identity information, payment account information and so on. The opening request may further include the information of the Second Participant, the recipient of the electronic certificate, so that the Second Participant can receive the electronic certificate on time.
Alternatively, the request for opening may not include the information of the receiving party. At this time, any party that obtains the electronic certificate may be the recipient of the electronic certificate.

[61] In a specific application example, the above 201 may specifically include the following steps:

[62] a, the first Funds-Management server receives the request for opening the electronic certificate delivered by First Participant;

[63] b, The First Funds-Management server responds to the request and generates the pre-opening information containing the original validity information and delivers the pre-opening information to the First Participant;

[64] Wherein, the original validity period information in the pre-issuing information may be carried in the opening request or prestored locally by the first Funds-Management server.
Specifically, when the opening request includes the identity information of the First Participant, the first Funds-Management server generates the pre-opening message including the original validity period information in response to the opening request when the identity information of the First Participant passes the verification certificate information,

[65] c. The first Funds-Management server receives the setting request delivered by the First Participant after obtaining the original validity period information in the pre-issuing information.

[66] 202: In response to the setting request, the first Funds-Management server resets the validity period of the electronic certificate according to the to-be-set validity period information when it is determined that the setting request meets a preset setting condition.

[67] Wherein, the pre-set condition for setting is that the validity period to be set in the setting request is a valid date, or the delivering time of the setting request does not exceed a settable date of the validity period of the electronic certificate, which is not limited herein.

[68] The above electronic certificate can be validated as an absolute date, for example, the total expiry date is 12th June, 2015, or as a relative time, such as 30 days after the electronic certificate is successfully opened.

[69] In the above 202, the to-be-set-to-expiration information of the electronic certificate in the setting request includes the total expiration date of the electronic certificate, the validity period of each function period of electronic certificate, the priority information of the total validity period, and the priority information to set the expiry date of each function period.
When the first Funds-Management server determines that the priority of setting the expiration date of each function period is higher than the priority of the total expiration setting, the validity period of each function period of the electronic certificate shall be reset according to the information of the period of validity to be set, reset the total period of validity of the electronic certificate; and when determining the priority of the overall validity period of the set of Settings, according to the information of the validity period, the total validity of the electronic certificate shall be reset, and the validity period of each function period of the electronic certificate shall be reset.

[70] Further, the step of resetting the validity period of each function period of the electronic certificate includes: resetting the validity period of each function period of the electronic certificate to the corresponding one of the to-be-set validity period information. The remaining validity period of the previous functional period is the remaining validity period of the previous functional period, which is the difference between the reset previous validity period of the previous functional period and the actual completion period of the previous functional period.

[71] 203: In response to the opening request, the first Funds-Management server may freeze funds in the designated account of the First Participant that is equal to the quota carried in the open request or may invoke the First Participant in the designated account of the First Participant, request the credit of carrying the same amount, and open the electronic certificate.

[72] For example, the first Funds-Management server may freeze the First Participant after receiving a request for opening the First Participant and determining that the quota of the funds / credits of the designated account of the First Participant is not less than the quota carried by the opening request. The funds in the designated account that are equal to the quota carried by the opening request or the credit equivalent to the quota carried in the opening request in the designated account of the First Participant,

[73] In the above example, the first Funds-Management server is an account Funds-Management server of the First Participant, and the second Funds-Management server is an account Funds-Management server of the Second Participant.
Further, the first Funds-Management server may be a Funds-Management server of a first bank, and the second Funds-Management server may be a Funds-Management server of a second bank.
Alternatively, the first Funds-Management server and the second Funds-Management server may be the same Funds-Management server. The First Participant and the Second Participant are clients or terminals of the client. Correspondingly, the designated account of the First Participant is an account designated by the First Participant and the designated account of the Second Participant is an account designated by the Second Participant.

[74] Please refer to Figure 3, Figure 3 is a schematic structural diagram of an electronic certificate setting system according to an example of the present invention.
Each device included in the setting system of the electronic certificate in this example is used to execute each step in the example corresponding to Figure 1, please refer to the examples corresponding to Figure 1 and Figure 1 for details, which is not described herein again. The setting system 400 of the electronic certificate in the present example includes a first participating terminal 401 and a first Funds-Management server 402.

[75] The first participating terminal 401 is used to deliver a request for setting an electronic certificate to the first Funds-Management server 402 after delivering an opening request for an electronic certificate to the first Funds-Management server 402, wherein the setting request includes the to-be-set validity period information of the electronic certificate;

[76] The first Funds-Management server 402 is used to, in response to the setting request, reset the validity period of the electronic certificate according to the to-be-set validity period information when it is judged that the setting request meets a preset setting condition, and in response to the request is made to freeze the funds in the user-designated account of the first participating terminal 401 that is equal to the quota carried in the opening request or the information in the designated account of the first participating terminal user that is associated with the opening request of the amount of credits, and open the electronic certificate.

[77] In another example as shown in Figure 4, the system also includes a Second Participant terminal 403 and a second Funds-Management server 404.

[78] The second participating terminal 403 is used to deliver a certificate receiving request to the second Funds-Management server 404 after receiving the electronic certificate information delivered by the first participating terminal 401;

[79] The second Funds-Management server 404 is used to notify the first Funds-Management server 402 to release the first Funds-Management server 402 to release funds or credits in the user-designated account of the first participating terminal 401 equal to the amount of the electronic certificate according to the certificate collection request, the unfrozen funds or funds of the same credit limit are transferred to the user-designated account of the second participating terminal 403.

[80] Please refer to Figure 5, Figure 5 is a schematic structural diagram of an example of a Funds-Management server according to the present invention. Each module included in the Funds-Management server in this example is used to execute each step in the example corresponding to Figure 2. For details, refer to the examples corresponding to Figure 2 and Figure 2, and details are not described herein again. The server 500 includes a receiving module 501, a setting module 502, and an opening module 503.

[81] The receiving module 501 is used to receive a setting request of the electronic certificate that is delivered by the first participating terminal after delivering the request for opening the electronic certificate, where the setting request includes the to-be-set validity period information of the electronic certificate;

[82] A setting module 502 is used to in response to the setting request, the first Funds-Management server resets the validity period of the electronic certificate according to the to-be-set validity period information when it is determined that the setting request meets a preset setting condition;

[83] An opening module 503 is used to freeze, in response to the opening request, funds equal to or equal to the quota carried in the opening request in the designated account of the First Participant terminal user or invoke the First Participant terminal. The user specifies a credit in the account equal to the quota carried by the opening request, and opens the electronic certificate.

[84] In the above electronic certificate setting method and related devices and system solutions, First Participant may deliver an electronic certificate to the first Funds-Management server according to its own needs during the process of opening the electronic certificate by the first funds management server. The first Funds-Management server determines that the setting request is valid, and resets the validity period of the electronic certificate according to the setting request of the First Participant, so that an effective and on-demand validity period of the electronic certificate is achieved. Since the electronic certificate is issued by freezing the corresponding amount of the First Participant or using the corresponding amount of credit and can be used as a financial instrument for online transactions to reduce the risk of online transactions and when First Participant needs to modify the validity of electronic certificate, there is no need to re-open electronic certificate, which simplifies the operation, thus improving the efficiency of the transaction, speeding up E-commerce activities and improving the user experience. And the electronic certificate was opened by Funds-Management server. Based on the strong strength and countermeasure of Funds-Management server, it will strengthen the self-discipline of Second Participant to meet the whole process and further reduce the risk. In addition, the present invention also enriches the diversity of online fund management and enriches the transaction methods.

[85] Please refer to Figure 6, Figure 6 is a schematic flow chart of third example of a data interaction processing method according to the present invention. The method flow shown in this example includes:

[86] 601: After delivering a data certificate open request to the First Server, the first terminal delivers the data server a setting request for the data certificate to the First Server, where the setting request includes a to-be-set validity period of the data certificate information.

[87] The data certificate of the present invention may be defined as a quantitative tool for pre-established data associations between the first terminal and the First Server. That is, the . .

data certificate is used to indicate the amount of data in the data association relationship established between the first terminal and the First Server. Specifically, for example, when a data association relationship of 100,000 data is established in advance between the first terminal and the First Server, the data certificate for the characterization of the 100,000.

[88] The opening request includes the data value characterized by the data certificate, the identification information of the first terminal, and so on. The opening request may further include the identification information of the second terminal that is the receiving party of the data certificate, so that the second terminal receives the data certificate in time.
Alternatively, the opening request may not include the information of the collecting party.
In this case, any terminal user who obtains the data certificate information may be the collecting party of the data certificate.

[89] In a specific application example, the above 601 may specifically include the following steps:

[90] A, the first terminal delivers a request for data certificate to First Server;

[91] b, the First Server generates pre-issuing information containing the original validity period information in response to the opening request, and delivers the pre-issuing information to the first terminal;

[92] Wherein, the original validity period information in the pre-issuing information may be carried in the opening request or pre-stored by the First Server.
Specifically, when the establishment request includes the identification information of the first terminal, the First Server generates the pre-disclosure information including the original validity period information in response to the establishment request when the identification information of the first terminal passes the verification.

[93] c. After obtaining the original validity period information in the pre-issuing information, the first terminal delivers the First Server a request for setting the data certificate.

[94] 602: In response to the setting request, the First Server resets the validity period of the data certificate according to the to-be-set validity period information when it is determined that the setting request meets a preset setting condition.

[95] Wherein, the pre-set condition for setting is that the validity period to be set in the setting request is a valid date, or the delivering time of the setting request does not exceed a settable date of the validity period of the data certificate, which is not limited herein.

[96] The validity period of the data certificate mentioned above may be an absolute date, for example, the total expiration period is 12th to 6th of June 2015, or relative time, such as expiration of 30 days after the data certificate is successfully opened.

[97] In the foregoing 602, the to-be-set-to-expiration information of the data certificate in the setting request includes the total expiration date of the data certificate, the validity period of each function period of data certificate, the priority information of the total validity period, and the priority information to set the expiry date of each function period. When the second terminal fails to complete the corresponding function operation within a valid period of the data certificate, the data certificate is invalid. When the second terminal completes the corresponding function operation within a certain functional period of the data certificate, the next terminal moves to the next Functional period. If the step of resetting the validity period of the data certificate according to the to-be-set validity period information may specifically include: When the First Server determines that the priority of setting the expiration date of each function period is higher than the priority of the total expiration setting, the validity period of each function period of the data certificate shall be reset according to the information of the period of validity to be set, reset the total period of validity of the data certificate; and when determining the priority of the overall validity period of the set of Settings, according to the information of the validity period, the total validity of the data certificate shall be reset, and the validity period of each function period of the data certificate shall be reset.

[98] Further, the step of resetting the validity period of each function period of the data certificate includes: resetting the validity period of each function period of the data certificate to the corresponding one of the to-be-set validity period information. The remaining validity period of the previous functional period is the remaining validity period of the previous functional period, which is the difference between the reset previous validity period of the previous functional period and the actual completion period of the previous functional period. Specifically, the setting manner is the same as the setting method in the above example of the method for setting the electronic certificate, and details are not described herein again.

[99] 603: In response to the opening request, the First Server establishes a data association with a data size equal to the data value carried in the opening request in the data unit of the first terminal, and opens the data certificate.

[100] For example, after receiving the opening request of the first terminal, and determining that the data value in the data unit of the first terminal is not smaller than the data value carried in the opening request, the First Server establishes a connection with the first terminal and the data association carried in the opening request carries an equal data size, and the data certificate is set according to the content of the opening request, thereby completing opening the data certificate.

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

[102] For example, the first terminal is a terminal used by User A and the second terminal is a terminal used by User B. User A is an administrator for more than one client and has a corresponding password for each client for administrator privileges. Clients can be personal computers, tablets, smart phones and other devices that can exchange data with servers through the network. When User B requests to obtain the password of the administrator rights of one of the clients of User A, such as the first client, User A requests the First Server to open a data certificate. Wherein, the administrator password of User A is stored in the First Server. The data certificate may be an operation log of User A managing the first client, such as the number of times of operations, so as to prove the safety and reliability of User A.

[103] When the First Server opens the data certificate, User A needs to modify the valid time for User B to obtain the first client's administrator permission flow, and then delivers a message to First Server to modify the validity period of data certificate.
First Server determines that User A set the request is reasonable, the validity of the data certificate in accordance with the User A's request to set. After the First Server completes the data certificate establishment, the User A cannot change the validity period of the data certificate. In this case, the First Server blocks, according to the data certificate, the User A's administrator right on the first client, that is, the first client cannot be managed with the corresponding password. At the same time, First Server delivers the data certificate information to User B. When User B needs to obtain the password of the first client's administrator authority, it delivers a request for obtaining the password to First Server.
Second Server obtains the password of the first client's administrator authority according to the content of the data certificate, and delivers the password to User B
through the First Server.

[104] Further, data associated with the First Server by the first terminal may also be text data, audio data, video data, program data or financial data in the financial field, etc. If the data is capital data, such as funds, then the first terminal user may be a seller, the second terminal user may be a buyer, and the server is a Funds-Management server, for example, a bank. If it is audio data, such as a song, the first terminal and the second terminal may be clients having multimedia playing functions such as a mobile phone, and the server is a music website server.

[105] Please refer to Figure 7, Figure 7 is a schematic structural diagram of an example of a data interaction processing system according to the present invention. Each device included in the data interaction processing system in this example is used to execute each step in the , example corresponding to Figure 6. Specifically, refer to the examples corresponding to Figure 6 and Figure 6, and details are not described herein again. The data interaction system 700 in this example includes a first Terminal 701 and a First Server 702.

[106] The first Terminal 701 is used to deliver an opening request for data certificate to the First Server 702, and then deliver the setting request for the data certificate to the First Server 702, where the setting request includes a to-be-set validity period of the data certificate information;

[107] The First Server 702 is used to, in response to the setting request, determine that the validity period of the data certificate is to be set according to the to-be-set validity period information when it is judged that the setting request meets a pre-set setting condition and respond to the opening request. Establish a data association with a data size equal to the data value carried in the opening request in the data unit of the first Terminal 702, and open the data certificate.

[108] The system 700 may further include:

[109] The second Terminal 703 is used to receive the data certificate. [110]
Second Server 704 is used to notify First Server 702 to release the data certificate corresponding to the data certificate from the first Terminal 701 according to the certificate collection request of the second Terminal 703. The data of the data certificate of the first Terminal 701 is equal to the data of the data certificate of the first Terminal 701 and the data of the data certificate of the first Terminal 701 is transferred to the data unit of the second Terminal 703.
[111] The present invention further provides another example of a data interaction processing method, where the method includes:
[112] The First Server receives the setting request for the data certificate delivered by the first terminal after delivering the open request for the data certificate, where the setting request includes the to-be-set validity period information of the data certificate.
[113] In response to the setting request, the First Server resets the validity period of the data certificate according to the to-be-set validity period information when it is determined that the setting request meets a preset setting condition.
[114] In response to the opening request, the First Server establishes a data association with a data size equal to the data value carried in the opening request in the data unit of the first terminal, and opens the data certificate.
[115] The present invention further provides an example of a data interaction processing device, which includes:
[116] A receiving module is used to receive setting request for the data certificate delivered by the first terminal after delivering the open request for the data certificate, where the setting request includes the to-be-set validity period information of the data certificate;
[117] A setting module is used to in response to the setting request, the first Funds-Management server resets the validity period of the data certificate according to the to-be-set validity period information when it is determined that the setting request meets a preset setting condition;
[118] An opening module is used to in response to the opening request, the First Server establishes a data association with a data size equal to the data value carried in the opening request in the data unit of the first terminal, and opens the data certificate.
[119] In the foregoing data exchange solution, when the first terminal opens the data certificate, the first terminal may deliver a request for setting the validity period of the data certificate to the First Server according to its own needs. The First Server determines, according to the first terminal's request, that the setting request is valid. Therefore, the validity period of the data certificate is set according to the setting request. Therefore, the valid period of the data certificate is set as required. Since the data association between the server and the first terminal is established during the process of establishing the data certificate, which realizes the data exchange based on the online. When the first terminal needs to modify the validity period of the data certificate, it does not need to reopen the data certificate, thus simplifying the operation, thereby improving the efficiency of online data interaction and improving the user experience. And the First Server establishes the data certificate after establishing a data association relationship with the first terminal that is equal to the numerical value of the data certificate, which is favourable for the first terminal to make overall arrangement and use of data and improve data utilization.
[120] 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] A method for setting an electronic certificate, its characteristic is that, the method includes the following steps:
First Participant delivers a set-up request for the electronic certificate to the first Funds-Management server after delivering an opening request for the electronic certificate to the first Funds-Management server, where the set-up request includes the to-be-set validity period information of the electronic certificate;
In response to the setting request, the first Funds-Management server resets the validity period of the electronic certificate according to the to-be-set validity period information when it is determined that the setting request meets a preset setting condition;
In response to the opening request, the first Funds-Management server may freeze funds in the designated account of the First Participant that is equal to the quota carried in the open request or may invoke the First Participant in the designated account of the First Participant, request the credit of carrying the same amount, and open the electronic certificate.
[Claim 2] According to the method in Claim 1, wherein the electronic certificate is pre-divided into a plurality of functional periods according to a transaction flow, the to-be-set-to-expiration information of the electronic certificate in the setting request includes the total expiration date of the electronic certificate, the validity period of each function period of electronic certificate, the priority information of the total validity period, and the priority information to set the expiry date of each function period;
The step of resetting the validity period of the electronic certificate according to the to-be-set validity period information may specifically include:
And when it is judged that the priority of setting the expiration date of each function period is higher than the priority of the set total expiration date, reset the expiration date of each function period of the electronic certificate according to the expiration date to be set, and then reset the total validity period of the electronic certificate;
When determining that the priority of the set total validity period is higher than the priority of setting the validity period of each function period, reset the total validity period of the electronic certificate according to the to-be-set validity period information, and reset the validity period of each function period of the electronic certificate.
[Claim 3] The method according to Claim 2, wherein the step of resetting the validity period of each function period of the electronic certificate includes:
Reset the validity period of each function period of the electronic certificate to the corresponding one of the to-be-set validity period information. The remaining validity period of the previous functional period is the remaining validity period of the previous functional period, which is the difference between the reset previous validity period of the previous functional period and the actual completion period of the previous functional period.
[Claim 4] The method according to Claim 1, its characteristic is that the step of the First Participant delivering a request for setting the electronic certificate to the first Funds-Management server includes:
First Participant delivers an electronic certificate opening request to the first Funds-Management server;
The first Funds-Management server generates pre-issuing information that includes the original validity period information of the electronic certificate in response to the opening request, and delivers the pre-issuing information to the First Participant;
The First Participant obtains the original validity period information in the pre-issuing information and delivers the setting request of the electronic certificate to the first Funds-Management server.
[Claim 5] According to the method in Claim 4, wherein the first request also includes identity information of the First Participant;
By the first Funds-Management server in response to the opening request, the pre-issuing information that includes the original validity period information includes:
The first Funds-Management server generates pre-issuing information that includes the original validity period information in response to the opening request when the identity information of the First Participant passes the verification.
[Claim 6] A method for setting an electronic certificate, its characteristic is that, the method includes the following steps:
The first Funds-Management server receives a setting request of the electronic certificate delivered by the First Participant after delivering an opening request of an electronic certificate, where the setting request includes the to-be-set validity period information of the electronic certificate;
In response to the setting request, the First Server resets the validity period of the data certificate according to the to-be-set validity period information when it is determined that the setting request meets a preset setting condition;
In response to the opening request, freezing funds in the designated account of the First Participant that is equal to the quota carried in the open request or may invoke the First Participant in the designated account of the First Participant, request the credit of carrying the same amount, and open the electronic certificate.
[Claim 7] An electronic certificate setting system, its characteristic is that, including:
The first participating terminal is used to deliver a request for setting an electronic certificate to the first Funds-Management server after delivering an opening request for an electronic certificate to the first Funds-Management server, wherein the setting request includes the to-be-set validity period information of the electronic certificate;
The first Funds-Management server is used to, in response to the setting request, reset the validity period of the electronic certificate according to the to-be-set validity period information when it is judged that the setting request meets a preset setting condition, and in response to the request is made to freeze the funds in the user-designated account of the first participating terminal that is equal to the quota carried in the opening request or the information in the designated account of the first participating terminal user that is associated with the opening request of the amount of credits, and open the electronic certificate.
[Claim 8] A Funds-Management server, its characteristic is that, the server includes:
The receiving module is used to receive a setting request of the electronic certificate that is delivered by the first participating terminal after delivering the request for opening the electronic certificate, where the setting request includes the to-be-set validity period information of the electronic certificate;
A setting module is used to in response to the setting request, the first Funds-Management server resets the validity period of the electronic certificate according to the to-be-set validity period information when it is determined that the setting request meets a preset setting condition;
An opening module is used to freeze, in response to the opening request, funds equal to or equal to the quota carried in the opening request in the designated account of the First Participant terminal user or invoke the First Participant terminal. The user specifies a credit in the account equal to the quota carried by the opening request, and opens the electronic certificate.
[Claim 9] A data interaction processing method, its characteristic is that, wherein the method includes:
After delivering a data certificate open request to the First Server, the first terminal delivers the data server a setting request for the data certificate to the First Server, where the setting request includes a to-be-set validity period of the data certificate information;
In response to the setting request, the First Server resets the validity period of the data certificate according to the to-be-set validity period information when it is determined that the setting request meets a preset setting condition;
In response to the opening request, the First Server establishes a data association with a data size equal to the data value carried in the opening request in the data unit of the first terminal, and opens the data certificate.
[Claim 10] A data interaction processing system, its characteristic is that, the system includes:
After delivering a data certificate open request to the First Server, the first terminal delivers the data server a setting request for the data certificate to the First Server, where the setting request includes a to-be-set validity period of the data certificate information;
The First Server is used to, in response to the setting request, determine that the validity period of the data certificate is to be set according to the reset validity period information when it is judged that the setting request meets a pre-set setting condition and respond to the opening request. Establish a data association with a data size equal to the data value carried in the opening request in the data unit of the first Terminal, and open the data certificate.