CA2993534A1 - Data processing method and system for substituted issuing of electronic certificate, and money management server - Google Patents

Data processing method and system for substituted issuing of electronic certificate, and money management server Download PDF

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Publication number
CA2993534A1
CA2993534A1 CA2993534A CA2993534A CA2993534A1 CA 2993534 A1 CA2993534 A1 CA 2993534A1 CA 2993534 A CA2993534 A CA 2993534A CA 2993534 A CA2993534 A CA 2993534A CA 2993534 A1 CA2993534 A1 CA 2993534A1
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management server
funds
data
issuing
information
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CA2993534A
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French (fr)
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Yi Zhang
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10353744 Canada Ltd
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10353744 Canada Ltd
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Priority to CA3063551A priority Critical patent/CA3063551C/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

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

Abstract

Disclosed in the present application is a data processing method for substituted issuing of an electronic certificate, comprising: a first money management server sends to a data request terminal a first data message for pre-issuing a certificate; the first money management server receives a second data request message requesting payment by another party returned by the data request terminal and generated on the basis of the first data request for pre-issuing a certificate; and after receiving from a second money management server a message that an account is frozen or line of credit is expended to the value of the issued certificate, the first money management server issues an electronic certificate. Also disclosed in the present application are a data processing system for substituted issuing of an electronic certificate and a first money management server. In the present technical solution, a user applies for an electronic certificate to be issued, but on the basis of freezing the account money or line of credit of another party, thereby resolving the problem in the prior art that when an electronic payment bill is issued, the certificate issuer and the payer must be the same; in the present application, the certificate issuer and the payer are not the same, improving the user experience and being convenient for the user.

Description

Title: Data Processing Method And System For Substituted Issuing Of Electronic Certificate, And Money Management Server Technical Field [0001] The present application relates to the technical field of computer data processing, and in particular, to a data processing method and system for opening electronic certificate and a Funds-Management server.
[0002] Background Technology
[0003] With the continuous development of computers, networks and modern communication technology, E-commerce applications have also gradually entered into tens of thousands of households and become one of the familiar transactions. E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informatization, reducing the cost of the transaction and improving the efficiency of the transaction.
[0004] However, in the current application of E-commerce, the transfer of funds mainly depends on the traditional way of electronic direct transfer payment and third-party payment. The transaction is too single and some of the potential business needs in the market cannot be met. In E-commerce business, when the third party is willing to pay for the purchase of electronic bills by the buyer, the procedure is complicated and inconvenient to the user.
[0005] Summary of the Invention
[0006] The present application provides a data-processing method, system and Funds-Management server on behalf of open electronic certificate.
[0007] According to a first aspect of the present application, the present application provides a data processing method on behalf of an electronic certificate, including:
[0008] The first Funds-Management server delivers the pre-issuing card first data information to the data requesting terminal;
[0009] The first Funds-Management server receives the second request data received by the data requesting terminal, which is generated by the pre-opening first data information, and is paid by others.
[0010] The first Funds-Management server receives the frozen account issued by the second Funds-Management server to open the credit line or to use the credit line information to issue the electronic certificate.
[0011] In the above method, the first Funds-Management server delivers the pre-issuing card-first data information to the issuing terminal, and further includes:
[0012] The first Funds-Management server receives the issuing request data information delivered by the data requesting terminal, and the first data information is generated according to the data information of the issuing request.
[0013] According to a second aspect of the present application, the present application provides a data processing method for opening an electronic certificate, including:
[0014] The first Funds-Management server delivers the pre-issuing card first data information to the data requesting terminal;
[0015] The data requesting terminal generates second request data information for requesting payment from another user according to the pre-issuing first data information, and delivers the second request data information to the first Funds-Management server, where the second request data information includes the amount of payment requested by others;
[0016] The data requesting terminal generates information to notify other people and delivers it to the data processing terminal.
[0017] The data processing terminal is entrusted with the second Funds-Management server for payment;
[0018] The second Funds-Management server freezes the amount of the opening credits or the credit limit, and generates the first Funds-Management server;
[0019] The first Funds-Management server receives the frozen information and opens an electronic certificate.
[0020] In the above method, the first Funds-Management server delivers the pre-issuing card-first data information to the issuing terminal, and further includes:
[0021] The first Funds-Management server receives the issuing request data information delivered by the issuer and generates the pre-issuing certification first data information according to the issuing request data information.
[0022] In the above method, before the data processing terminal entrusts the second Funds-Management server to pay for it, the method specifically includes:
[0023] The data processing terminal confirms whether to agree to the payment;
[0024] If yes, the data processing terminal is entrusted with the second Funds-Management server for payment;
[0025] Otherwise, the process ends.
[0026] In the above method, after receiving the freeze information, the first Funds-Management server further includes:
[0027] Enter the second Funds-Management server information, the data is synchronized to the data processing terminal and data requesting terminal.
[0028] According to a third aspect of the present application, the present application provides a data processing method for opening an electronic certificate, including:
[0029] The issuing bank delivers the pre-issuing card first data information to the data requesting terminal;
[0030] The data requesting terminal generates second request data information for requesting payment from another person according to the pre-issuance first data information, and delivers the second request data information to the issuing bank, where the second request data information includes the amount of payment requested by others;
[0031] The data requesting terminal generates information to notify other people and delivers it to the data processing terminal.
[0032] The data processing terminal entrusts others to pay on behalf of the payment line;
[0033] The other person pays the amount of the fund or the amount of the credit for the freezing account, and generates the issuing bank of the freezing information notice;
[0034] The issuing bank receives the frozen information and opens electronic certificate.
[0035] According to a fourth aspect of the present application, the present application provides a golden management server, which includes a delivering module, a receiving module, and a processing module. The delivering module is used to deliver pre-issuing card first data information to a data requesting terminal; the receiving module is used to receive the second request data information that is requested to be paid by another person and delivered by the data requesting terminal and generated according to the pre-opening certification first data information; and the processing module is used to receive the frozen account opening amount or the credit line information delivered by second Funds-Management server, and issue electronic certificate.
[0036] According to a fifth aspect of the present application, the present application provides a data processing system for opening an electronic certificate, including a first Funds-Management server, a data requesting terminal, a second Funds-Management server and payment terminals of others;
[0037] The first Funds-Management server is used to deliver pre-issuing card first data information to the data requesting terminal;
[0038] The data requesting terminal is used to generate second request data information for requesting payment from another user according to the pre-issuing first data information, and delivers the second request data information to the first Funds-Management server, where the second request data information includes the amount of payment requested by others;
[0039] The data requesting terminal is used for generating information to other people and delivers it to the data processing terminal;
[0040] The data processing terminal is used to entrust with the second Funds-Management server for payment;
[0041] The second Funds-Management server is used to freeze the amount of the opening credits or the credit limit, and generates the first Funds-Management server;
[0042] The first Funds-Management server receives the frozen information and opens an electronic certificate.
[0043] In the above system, the data processing terminal is also used to confirm whether the consent payment is accepted, and if yes, the data processing terminal entrusts the second Funds-Management server to pay for it; otherwise, the process ends.
[0044] As a result of the adoption of the above technical scheme, the beneficial effect of this application is that:
[0045] In the example of the present application, since the first Funds-Management server receives data requesting terminal delivers the request of others pay the second request data information, after receiving the amount of the frozen account issued by the second Funds-Management server and the credit line information, open an electronic certificate, and the user of the application applies for the establishment of an electronic certificate.
However, on the basis of freezing funds or credit under other accounts, the issuer and the payer must have the same problem in opening electronic payment bills in the existing technology. The applicant is different from the payer, which facilitates users and improves user experience.
[0046] Brief Description
[0047] Figure 1 is a flow chart of an example of an electronic certificate data processing method of the present application;
[0048] Figure 2 is a flow chart of another example of the data processing method of the present application for opening an electronic certificate;
[0049] Figure 3 is a flow chart of another example of the data processing method of the present invention for opening an electronic certificate;
[0050] Figure 4 is a flow chart of another example of the data processing method of the present invention for opening an electronic certificate;
[0051] Figure 5 is a flowchart of a Funds-Management server according to an example of the present application;
[0052] Figure 6 is a schematic structural diagram of the data processing system of the present application for opening an electronic certificate in an implementation manner.
[0053] Description of the Preferred Examples
[0054] The present application will be further described in detail below with reference to the accompanying drawings through specific examples.
[0055] The electronic certificate is the electronic commitment payment certificate which the bank undertakes to pay the funds according to the agreed terms, it refers to the electronic certificate issued by the bank according to the amount of funds or credit limit required by the application of the applicant, and the bank undertakes to handle the payment and settlement in accordance with the agreed terms.
[0056] The usual business process for electronic certificate is the issuing bank freeze the required amount of funds in accordance with the issuer's application to open an electronic certificate, and after receiving the certificate from the receiving bank, the issuing bank pay and settle the payment by the issuing bank to the receiving bank.
[0057] Example 1:
[0058] As shown in Figure 1, the data processing method of the present application for opening an electronic certificate, an example of the data processing method includes the following steps:
[0059] Step 102: the first Funds-Management server delivers the pre-issuing card-first data information to the data requesting terminal. The first Funds-Management server is a bank issuing bank server, and the first data information of the pre-issuing card is generated according to the issuing terminal data of the issuing request.
[0060] The issuing request includes the issuer's identity information and payment account information. It can also include information such as the recipient's name, cellphone, email, ID card, WeChat, QQ number and other information that can be used by the recipient, the recipient's account (deposit account), so that facilitate the recipient to receive timely electronic certificate.
[0061] Step 104: the first Funds-Management server receives the second request data information that is delivered by the requesting terminal and is requested to be paid by another person according to the pre-opening verification first data information. The second request data information includes an amount for requesting payment from another person and other people's account information.
[0062] On the basis of On the basis of the first opening data, input other people's information, such as mobile phone number, mailbox, WeChat and so on, which can connect other people's communication information, so as to generate second request data for others to pay. Specifically, the second request data information may include an amount for requesting payment.
[0063] Step 106: the first Funds-Management server receives the frozen account issued by the second Funds-Management server to open the credit line or to use the credit line information to issue the electronic certificate.
[0064] In an implementation manner, before step 102, the method further includes the following steps:
[0065] The first Funds-Management server receives the issuing request data information delivered by the issuer and generates the pre-issuing certification first data information according to the issuing request data information.
[0066] Example 2:
[0067] As shown in Figure 2, the data processing method of the present application for opening an electronic certificate, an example of the data processing method includes the following steps:
[0068] Step 202: the first Funds-Management server delivers the pre-issuing card-first data information to the data requesting terminal.
[0069] Step 204: the data requesting terminal generates second request data information for requesting payment from another user according to the pre-issuing first data information, and delivers the second request data information to the first Funds-Management server, where the second request data information includes the amount of payment requested by others.
[0070] Step 206: the data requesting terminal generates the information to notify other people and delivers it to the data processing terminal.
[0071] Step 208: the data processing terminal is entrusted with the second Funds-Management server for payment.
[0072] In an implementation manner, step 208 may specifically include:
[0073] The data processing terminal confirms whether to agree to the payment;
[0074] If yes, the data processing terminal is entrusted with the second Funds-Management server for payment;
[0075] Otherwise, the process ends.
[0076] Step 210: the second Funds-Management server freezes the amount of the opening credits or the credit limit, and generates the first Funds-Management server.
[0077] Step 212: the first Funds-Management server receives the frozen information and opens an electronic certificate.
[0078] After receiving the freeze information, the first Funds-Management server may further include the following steps: entering the second Funds-Management server information, the data is synchronized to the data processing terminal and data requesting terminal.
[0079] In an implementation manner, before step 202, the method may further include:
[0080] The first Funds-Management server receives the issuing request data information delivered by the issuer and generates the pre-issuing certification first data information according to the issuing request data information. As shown in Figure 3, another example of the data processing method of the present invention for opening an electronic certificate includes the following steps:
[0081] Step 302: the data requesting terminal generates the issuing request.
[0082] In general, the data requesting terminal is the terminal used by the buyer. The issuing request may include the issuer's identity information and payment account information. It can also include the information of the designated collector, such as the recipient's name, mobile phone, email, ID card, micro-signal, QQ number and other information corresponding to the receiver, the receiver's account number, such as the deposit account number, through this collection of information, it is convenient for the issuer to receive electronic certificate in time. The buyer may also not specify the recipient, so that anyone who obtains the electronic certificate can receive the electronic certificate.
[0083] Step 304: the issuing bank receives the issuing request data information, obtains the information in the data information, generates the pre-issuing card first data information, and delivers it to the data requesting terminal. The issuing bank verifies the issuer's identity information in advance. The verification at this place may have the following situations:
the first verification situation refers to whether the issuer has the account opening information at the issuing bank, and the second verification situation refers to whether the issuing applicant is valid or not, that is, real-name certification, it does not require the issuer in the first Funds-Management server must have an account; the third verification refers to determine whether the applicant has a bad credit record. Is it a white list or a blacklist user, etc.
[0084] Step 306: the data requesting terminal receives the pre-issuing card first data information.
[0085] On the basis of pre-issuing of the first data information, input other people's information, such as mobile phone number, mailbox, WeChat and so on, which can connect other people's communication information, so as to generate second request data for others to pay. The second request data information may include information such as the amount requested to be paid.
[0086] Step 308: the data requesting terminal generates the information that notifications other people's payment and notifications to others through the communication information of others. The notification information here can be a link, an image or an audio file.
[0087] Step 310: the data processing terminal receives the notification message and decides whether to agree on behalf of the payment? If yes, then step 312 is executed.
On the contrary, the process is ended, and the result is fed back to the client or the data processing terminal is reselected, and then it is determined whether to agree to pay.
[0088] Step 312: the data processing terminal selects the second Funds-Management server, and requests the second Funds-Management server to pay for it. The entrustment information may include the amount of the entrusted payment. An understandable form in which the payer has been authenticated, password operated, and fully authorized to operate the payment line.
[0089] Step 314: the second Funds-Management server receives the entrustment information of the data processing terminal, freezes the credit limit of the opening of the account or supports the credit line, generates the frozen information, and delivers the frozen information to the first Funds-Management server. If debit card is used, the funds in the debit card will be frozen, such as the use of credit cards, and the credit card is frozen for use.
[0090] Step 316: the first Funds-Management server receives the freezing information of the payment line, inputs the payment line information, and synchronizes the data to all parties, and at the same time, issues an electronic certificate.
[0091] After receiving the electronic certificate, the user fulfils the conditions attached by the electronic certificate and can request the payment bank to be defrosted and allocated. If the payment bank cannot be carried out in time, the bank is paid by the issuing bank, and the first Funds-Management server will be recourse to the payment bank.
[0092] If a user goes to a bank and requests for deposit funds or credit lines under others' accounts as a basis, the deposit funds or credit lines in his account are frozen and an electronic certificate is opened. To put it simply, let others create electronic certificate on behalf of.
The user may need to spend money at the time when he or she doesn't have any funds or credit card amount at the time, so friends are required to pay for it in the form of electronic certificate, on the one hand, make sure that when the transaction is not completed, the amount of funds or credit card is in the friend's account, and maximize the loss of savings of friends. On the other hand, because friends know the true use of funds, they may be more willing to help turn around in this form. Or parents make good financial habits for their children, and when they need to buy commodity, this kind of payment can be made on behalf of another person by paying the electronic certificate, so that children can avoid squandering and help parents guide children to establish good spending habits.
[0093] In this application, a user may apply for opening an electronic certificate at a bank and ask others to freeze the funds or credit under his account for payment. In this way, a new mode of payment has been added to boost the economic and social activities, provides an application scenario that enriches the fmancial payment tools and provides a favourable tool for the development of E-commerce. It should be noted that the first Funds-Management server and the second Funds-Management server in the office may be the same bank or not, that is to say, the first Funds-Management server and others freeze the funds or credit banks can be the same bank may not be the same bank.
[0094] Example 3:
[0095] As shown in Figure 4, another example of the data processing method of the present invention for opening an electronic certificate includes the following steps:
[0096] Step 402: the first data information of the pre-issuing card is delivered to the opening terminal by the issuing bank.
[0097] Step 404: the issuing terminal generates second request data information for requesting payment from another person according to the pre-issuing first data information, and delivers the second request data information to the issuing bank.
[0098] Step 406: the issuing terminal generates the information that notifies others to pay and delivers it to the other person's payment terminal.
[0099] Step 408: Others pay the terminal to entrust others to pay for the payment.
[0100] Step 410: the other person pays the amount of the fund or the amount of the credit for the freezing account, and generates the issuing bank of the freezing information notice.
[0101] Step 412: the issuing bank receives the information about the amount of the freezing and issuing funds or the credit limit information, and issues an electronic certificate.
[0102] Example 4:
[0103] Figure 5 is a flowchart of a Funds-Management server according to an example of the present application. In this example, the Funds-Management server is the first Funds-Management server, that is, the issuing bank server. The Funds-Management server includes a delivering module 11, a receiving module 12 and a processing module 13.
The delivering module 11 is used to deliver the pre-issuing first data information to a data requesting terminal. The receiving module 13 is used to receive second request data that is generated according to the pre-issuing first data information and is delivered by a requesting data terminal information, and the second request data information includes the amount of money requested to be paid by others; and the processing module 13 is used to receive the information of the amount of the credit card issuing limit or the credit limit information of the frozen account delivered by the second Funds-Management server and issue the electronic certificate.
[0104] In an implementation manner, the processing module 13 is also used to receive the issuing request data information delivered by the data requesting terminal, and generate the pre-issuing certification first data information according to the issuing request data information.
[0105] Example 5:
[0106] Figure 6 is a schematic structural diagram of the data processing system of the present application for opening an electronic certificate in an implementation manner.
It includes a first Funds-Management server 10, a data requesting terminal 30, a second Funds-Management server 20 and a data processing terminal 40. A first Funds-Management server 10 is used for delivering pre-issuing data information to a data requesting terminal; a data requesting terminal is used for generating second request data information for requesting payment from others according to the pre-issuing data information and delivering to the first Funds-Management server, the second request data information includes the amount requested to be paid by others. The data requesting terminal 30 is used to generate and notify the data processing terminal 40 of the information for notifying others of the payment. The data processing terminal 40 is used to entrust the second Funds-Management server 20 to pay for it. The second Funds-Management server20 is used to freeze the amount of the opening credits or the credit limit, and generates the first Funds-Management server. The first Funds-Management server10 is also used for receiving the freezing information and issuing an electronic certificate.
[0107] In an implementation manner, the data processing terminal 10 is also used to confirm whether the consent payment is accepted, and if yes, the data processing terminal entrusts the second Funds-Management server 20 to pay on behalf of the terminal;
otherwise, the process ends.
[0108] In an implementation, the first Funds-Management server 10 is also used to receive the issuing request data information delivered by the data requesting terminal 30 and generate the pre-issuing certification first data information according to the issuing request data information.
[0109] The first Funds-Management server 10 can also be used for entering the second Funds-Management server 20 information and synchronizing the data to the data processing terminal 40 and the data requesting terminal 30.
[0110] The foregoing is a further detailed description of the present application in conjunction with specific implementation manners, and it should not be considered that the specific implementation of the present application is limited to these descriptions.
For the general technical personnel in the technical field of this application, a number of simple deduction or replacement can be made without leaving the application of the invention.
Technical problem Problem solving solution The beneficial effect of the invention

Claims (10)

  1. The Claims [Claims 1] A data processing method for replacing the electronic certificate, its characteristic is that, including:
    The first Funds-Management server delivers the pre-issuing card first data information to the data requesting terminal;
    The first Funds-Management server receives the data requested by the data requesting terminal to request the second request data paid by others according to the pre-opening first data information;
    The first Funds-Management server receives the frozen account issued by the second Funds-Management server to open the credit line or to use the credit line information to issue the electronic certificate.
  2. [Claim 2] According to the data processing method in Claim 1, wherein the first Funds-Management server delivers the pre-issuing data information to the issuing terminal, and also includes:
    The first Funds-Management server receives the issuing request data information delivered by the data requesting terminal, and the first data information is generated according to the data information of the issuing request.
  3. [Claim 3] A data processing method for replacing the electronic certificate, its characteristic is that, including:
    The first Funds-Management server delivers the pre-issuing card first data information to the data requesting terminal;
    The data requesting terminal generates second request data information for requesting payment from another user according to the pre-issuing first data information, and delivers the second request data information to the first Funds-Management server;
    The data requesting terminal generates information for notifying others of the payment and delivers the information to the data processing terminal; the data processing terminal entrusts the second Funds-Management server to pay for the data;
    The second Funds-Management server freezes the amount of the opening credits or the credit limit, and generates the first Funds-Management server;
    The first Funds-Management server receives the frozen information and opens an electronic certificate.
  4. [Claim 4] According to the data processing method in Claim 3, wherein the first Funds-Management server delivers the pre-issuing data information to the issuing terminal, and also includes:
    The first Funds-Management server receives the issuing request data information delivered by the issuer and generates the pre-issuing certification first data information according to the issuing request data information.
  5. [Claim 5] According to the data processing method in Claim 3, wherein before the data processing terminal entrusts the second Funds-Management server to pay for it, the data processing terminal specifically includes:
    The data processing terminal confirms whether to agree to the payment;
    If yes, the data processing terminal is entrusted with the second Funds-Management server for payment;
    Otherwise end the process
  6. [Claim 6] According to the data processing method in Claim 3, wherein after the first Funds-Management server receives the freeze information, the method also includes:
    Enter the second Funds-Management server information, the data is synchronized to the data processing terminal and data requesting terminal.
  7. [Claim 7] A data processing method for replacing the electronic certificate, its characteristic is that, including:
    The first data information of the pre-issuing card is delivered to the opening terminal by the issuing bank;
    The issuing terminal generates second request data information for requesting payment from another person according to the pre-issuing first data information, and delivers the second request data information to the issuing bank;
    The issuing terminal generates information paid by others and delivers it to the other person to pay the terminal; the other person's payment terminal is entrusted with the payment of the payment line.
    The other person pays the amount of the fund or the amount of the credit for the freezing account, and generates the issuing bank of the freezing information notice;
    The issuing bank receives the frozen information and opens an electronic certificate.
  8. [Claim 8] A Funds-Management server, including: a delivering module, a receiving module and a processing module; the delivering module is used to deliver the pre-issuing first data information to a data requesting terminal;
    The receiving module is used to receive second request data information that is generated according to the pre-issuing certification first data information and requested to be paid by another person and delivered by the data requesting terminal;
    The processing module is used to receive the frozen account issued by the second Funds-Management server to open the credit line or to use the credit line information to issue the electronic certificate.
  9. [Claim 9] A data processing system that takes the place of electronic certificate is characterized by including the first Funds-Management server, the data requesting terminal, the second Funds-Management server and the other payment terminals.
    The first Funds-Management server is used to deliver pre-issuing card first data information to the data requesting terminal;
    The data requesting terminal is used to generate second request data information for requesting payment from another user according to the pre-issuing first data information, and delivers the second request data information to the first Funds-Management server, where the second request data information includes the amount of payment requested by others;
    The data requesting terminal is used for generating information to other people and delivers it to the data processing terminal;
    The data processing terminal is used to entrust with the second Funds-Management server for payment;
    The second Funds-Management server freezes the amount of the opening credits or the credit limit, and generates the first Funds-Management server;
    The first Funds-Management server receives the frozen information and opens an electronic certificate.
  10. [Claim 10] According to the data processing system for electronic stamping in Claim 8, its characteristic is that, The data processing terminal is also used to confirm whether the consent payment is accepted, and if yes, the data processing terminal entrusts the second Funds-Management server to pay for it; otherwise, the process ends.
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CA3063551A1 (en) 2017-01-26

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