CA3113522A1

CA3113522A1 - Data processing method and apparatus

Info

Publication number: CA3113522A1
Application number: CA3113522A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2016-03-09
Filing date: 2016-03-09
Publication date: 2017-09-14
Also published as: CA3024766A1; WO2017152400A1

Abstract

Abstract A data processing method and apparatus. The method is applied to a server and comprises the following steps: a terminal acquiring a first sub-file of a source file (S101); the terminal sending to a server an acquisition request for acquiring a second sub-file of the source file according to the first sub-file (S102); the server receiving the acquisition request (S103); the server sending the second sub-file of the source file to the terminal according to the acquisition request (S104); and the terminal receiving the second sub-file of the source file (S105). Thus, by providing a source file that lacks a second sub-file, and sending the second sub-file according to a request of the receiver of the source file only after a receiver of the source file receives a first sub-file of the source file, during the period from an issuer generating the source file to the receiver acquiring the second sub-file of the source file, a capital resource of the source file is not frozen in the resource file, but still in the issuer's account, and the capital resource can be used continuously flexibly, thereby effectively improving the utilization efficiency of resources.
Date Recue/Date Received 2021-03-29

Description

DATA PROCESSING METHOD AND APPARATUS
Technical Field [0001] The present invention relates to the field of electronic information technology, and in particular, to a data processing method and device.
Background Technology

[0002] With the rapid development of the Internet, an upsurge of issuing electronic red envelopes has emerged on the Internet. At present, the way of issuing red envelopes is as follows:
First, a certain amount of money is filled into the red envelope to generate the red envelope, then the receiver receives the red envelope, and finally the receiver obtains the same amount of money in the red envelope. During the period when the issuer generates red envelopes and the receiver obtains red envelopes, the funds charged in the red envelopes are frozen and can no longer be used. As a result, a large number of funds are frozen and idle and cannot be used effectively, which seriously affects the efficiency of resource utilization, and affects the terminal's flexibility of delivering and receiving resources at the same time.
Technical problem

[0003] The main purpose of the present invention is to provide a data processing method and device aiming to solve the above technical problems, improve the utilization efficiency of resources, and improve the flexibility of the terminal to deliver and receive resources.
Problem solving solution Technical solutions

[0004] In order to achieve the above object, the present invention provides a data processing method applied to a terminal, which includes the following steps:

[0005] Obtaining the first sub-file of the resource file;

[0006] Deliver an acquisition request for acquiring a second sub-file of the resource file to the server according to the first sub-file

[0007] Receiving a second sub-file of the resource file delivered by the server according to the acquisition request.

[0008] The present invention also provides a data processing method applied to a server, which includes the following steps:

[0009] Delivering a first sub-file of the resource file to the terminal;

[0010] Receiving an acquisition request for acquiring a second sub-file of the resource file delivered by the terminal according to a first sub-file of the resource file;

Date Recue/Date Received 2021-03-29

[0011] Deliver a second sub-file of the resource file to the terminal or the terminal user's account according to the acquisition request.

[0012] The present invention simultaneously proposes a data processing device applied to a terminal, the device comprising:

[0013] An acquisition module is set to obtain the first sub-file of the resource file;

[0014] A request module is set to deliver a request for obtaining a second sub-file of the resource file to the server according to the first sub-file;

[0015] A receiving module is set to receive a second sub-file of the resource file delivered by the server according to the acquisition request.

[0016] The present invention also proposes a data processing device applied to a server, and the device includes:

[0017] A resource file delivery module is set to deliver the first sub-file of the resource file to the terminal;

[0018] An acquisition request receiving module is set to receive an acquisition request of the second sub-file of the resource file delivered by the terminal according to the first sub-file;

[0019] A processing module is set to deliver the second sub-file of the resource file to the terminal or the terminal user's account according to the acquisition request.

[0020] The present invention also proposes a data processing method including the following steps:

[0021] The first bank server generates an electronic red envelope according to a user request of the First Terminal, and delivers the electronic red envelope to the second terminal;

[0022] The Second Terminal delivers a request for acquiring a Bank Credit Certificate to the second bank server according to the envelope of the electronic red envelope.

[0023] The first bank server receives the request for acquiring the Bank Credit Certificate forwarded by the second bank server, and generates a Bank Credit Certificate by freezing the amount of the corresponding electronic red envelope in the bank account of the First Terminal user according to the request, and deliver the Bank Credit Certificate to the second bank server;

[0024] The Second Terminal receives the Bank Credit Certificate delivered by the second bank server, and delivers a withdrawal request for the electronic red envelope to the second bank server according to the Bank Credit Certificate;

[0025] The second bank server notifies the first bank server to release the frozen amount in the bank account of the First Terminal user according to the withdrawal request.
The amount corresponding to the electronic red envelope in the bank account is transferred to the bank account of the Second Terminal user.

Date Recue/Date Received 2021-03-29 The beneficial effect of the invention Beneficial effect

[0026] The invention provides a method of data processing by setting up a resource file that lacks the second sub-file, when the resource file receiver receives the first sub-file of the resource file, the second sub-file is delivered according to the request of the resource file receiver. As a result, during the period between the issuer generating the resource file and the receiver acquiring the second sub-file of the resource file, the financial resources of the resource file are not frozen in the resource file, but are still in the issuer's account, The resources can be used flexibly, which effectively avoid the freezing of resources when generating resource files, and thaw the resources until the resources are collected. The utilization efficiency of resources is effectively improved, and meanwhile, the flexibility of delivering and receiving resources of the terminal is improved.
A brief description of the drawings Brief Description

[0027] Figure 1 is a flowchart of a data processing method according to a first example of the present invention;

[0028] Figure 2 is a flowchart of a data processing method applied to a terminal according to a first example of the present invention;

[0029] Figure 3 is a flowchart of a data processing method applied to a server according to a first example of the present invention;

[0030] Figure 4 is a flowchart of a data processing method according to a second example of the present invention;

[0031] Figure 5 is a flowchart of a data processing method applied to a terminal according to a second example of the present invention;

[0032] Figure 6 is a flowchart of a data processing method applied to a server according to a second example of the present invention;

[0033] Figure 7 is a flowchart of a data processing method according to a third example of the present invention;

[0034] Figure 8 is a flowchart of a data processing method applied to a terminal according to a third example of the present invention;

[0035] Figure 9 is a flowchart of a data processing method according to a fourth example of the present invention;

[0036] Figure 10 is a flowchart of a data processing method applied to a terminal according to a fourth example of the present invention;

[0037] Figure 11 is a flowchart of a data processing method according to a fifth example of the Date Recue/Date Received 2021-03-29 present invention;

[0038] Figure 12 is a schematic diagram of information exchange of an electronic red envelope according to an example of the present invention;

[0039] Figure 13 is a schematic diagram of information interaction based on an electronic red envelope in each subject according to an example of the present invention;

[0040] Figure 14 is an information interaction diagram of an electronic red envelope in the prior art;

[0041] Figure 15 is a schematic diagram of information exchange based on electronic red envelopes of various entities in the existing technology;

[0042] Figure 16 is a schematic diagram of another information interaction based on an electronic red envelope for each subject in the example of the present invention;

[0043] Figure 17 is a schematic block diagram of a data processing system according to a sixth example of the present invention;

[0044] Figure 18 is a block diagram of a server of the data processing system of Figure 17;

[0045] Figure 19 is a block diagram of a data processing device applied to a terminal according to a seventh example of the present invention;

[0046] Figure 20 is a block diagram of a request module of the data processing device in Figure 19;

[0047] Figure 21 is a block diagram of a data processing device applied to a server according to an eighth example of the present invention.

[0048] The realization of the object of the present invention, features and advantages of the present invention will be further described with reference to the accompanying drawings.
Examples of the Invention Implementation pattern of the present invention

[0049] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention. It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.

[0050] In the example of the present invention, the resource file refers to an electronic file capable of distributing resources on a network. The resource file includes a first sub-file and a second sub-file set in the first sub-file. The first file is usually sealed, and the second sub-file contains the resource of the resource file. For example, electronic files of red envelopes is a typical type of resource file. Financial resources such as electronic certificate and electronic consumption coupons can be issued through electronic files of red envelopes. Electronic files of red envelopes usually include envelopes (that is, the first Date Recue/Date Received 2021-03-29 sub-file) and the contents in the envelope i.e., the second sub-file document), the envelope is usually provided with a seal, and the content can be obtained by opening the seal on the envelope. The content is the electronic certificate and the electronic consumption coupons and other resources. Electronic certificate includes Bank Credit Certificate, Object Credit Certificate or other electronic certificate. The electronic consumption coupon may be coupons, discount coupons, group purchase coupons, coin certificate, voucher, and so on.

[0051] Wherein, Bank Credit Certificate refers to an electronic credit certificate generated by a resource management institution (such as a bank) that freezes its credit line or a certain amount of funds in its account according to an application of an issuer; After receiving the electronic certificate, the resource management institution binds the electronic certificate to the recipient to complete the receiving. After the receiving, the recipient can apply for withdrawal, and after receiving the request for withdrawal, the receiving organization (such as the receiving bank) and the issuing institution (such as the issuing bank) transfer the funds, and the recipient can obtain the funds frozen by the issuer through the electronic certificate. In the bank version of electronic red envelope (i.e., electronic files of red envelopes), the issuer is the enterprise that applies to the bank for issuing the electronic red envelopes. After receiving the electronic red envelope, the user enters his/her bank account information at the recipient of Bank Credit Certificate and applies for the bank's receipt.
The bank transfers the funds to the account for verification within the agreed time.

[0052] The business process of Bank Credit Certificate is as follows:

[0053] 1.1. The issuer applies to the issuing bank for issuing the certificate through the Internet or by other means;

[0054] 1.2, After the issuing Bank verifies that its identity and account information are correct, it shall accept and verify that it meets the conditions for issuing the certificate, and open a Bank Credit Certificate after freezing the guaranteed funds;

[0055] 1.3. The recipient applies for receiving to the issuing bank through the Internet or in other ways;

[0056] 1.4. After the receiving bank has verified the identity and account information is correct, it will accept the receipt (or according to the setting of recipient, the receiving bank will automatically receive the certificate);

[0057] 1.5. After performing the basic transaction obligations under the Bank Credit Certificate, the recipient submits performance information (generally used in the field of E-commerce;
the recipient is a merchant; after fulfilling the obligation of delivery, the delivery information is submitted, in the field of electronic red envelopes, it is unnecessary for the issuer to transfer the obligations to the recipient, so there is no need to fulfil the obligations Date Recue/Date Received 2021-03-29 of the transaction);

[0058] 1.6. The recipient or the designated third party delivers the application for settlement information to the issuing bank for settlement (in the electronic red envelope field, the recipient automatically applies for settlement after filling in the receipt);

[0059] 1.7 The issuing bank pays the Bank Credit Certificate and transfers the funds to the receiving bank. The receiving bank transfers the funds to the receiving account.

[0060] Object Credit Certificate refers to the subject matter transaction information recording certificate. It is a standardized and generalized network electronic document that records and disseminates commodity (including services) information. The Object Credit Certificate integrates all kinds of functions necessary for electronic commerce. Once it is triggered, the preset process can be initiated. For example, the process of supplier delivery, logistics distribution, bank card payment and collection will be initiated according to the preset procedure and transaction rules. Object Credit Certificate can be distributed, transferred and traded in the whole network domain. The Object Credit Certificate includes at least item attributes having a name and an amount, and settlement information having at least one account. The Object Credit Certificate is provided by the commodity supplier and the receiving account is the commodity supplier account. When the content of the resource file is an Object Credit Certificate, it may be an Object Credit Certificate provided by the merchant with a preferential price or a zero price (i.e., a free gift), and the user can complete the purchase of the commodity at a lower price through the purchase function of Object Credit Certificate.

[0061] The resource file described in the example of the present invention is different from the traditional resource file in that the resource file of the present application lacks the second sub-file. Taking the electronic files of red envelopes as an example, the traditional electronic files of red envelopes includes the envelope (first sub-file) and the content (second sub-file) contained in the envelope. In the example of the present invention, the electronic red envelope of the envelope only includes the envelope and no contents are inserted in the envelope. That is to say, in the example of the present invention, when the electronic files of red envelopes is generated, the content are not immediately inserted into the envelope as in the existing technology, but waits until the receiving terminal receives the electronic files of red envelopes, and then, deliver the contents to the receiver based on the request of the receiving terminal so that during the period between the issuer generating the electronic files of red envelopes and the receiver obtaining the contents, the financial resources of the electronic files of red envelopes are not frozen in the electronic files of red envelopes, but are still in the issuer's account and can be used flexibly.
Thus, the utilization Date Recue/Date Received 2021-03-29 efficiency of resources is improved.

[0062] The resource file in the example of the present invention is preferably applied by an enterprise (or a merchant) to a resource management institution (such as a bank) to which it is bound, and is generated by using a resource file generator of the resource management institution. The generated resource file is usually composed of two parts: the first sub-file and the second sub-file. The first sub-document includes a cover and a seal.
When the seal is opened, the second sub-file (electronic certificate, electronic consumption coupon, etc.) can be obtained. When the enterprise generates a resource file, different open conditions may be set on the seal, and open the seal if the condition is satisfied, and then obtain the second sub-file. For example, it is set to click on every word in the company's slogan to meet the company's promotional needs.

[0063] Example 1

[0064] In this example, the second sub-file of the resource file includes the electronic consumption coupons.

[0065] Please refer to Figure 1, a data processing method according to a first example of the present invention is presented. The method includes the following steps:

[0066] S101: the terminal acquires a first sub-file of a resource file.

[0067] In the example of the present invention, when the issuer generates a resource file, there is only the first sub-file, but the second sub-file is not set in the first sub-file, the first sub-file includes the cover and seal. The server delivers the first sub-file of the resource file to the terminal. After the terminal obtains the resource file delivered by the issuer, only one first sub-file is obtained, that is, the resource file that does not carry the second sub-file is obtained.

[0068] S102: the terminal delivers to the server a request to obtain the second sub-file of the resource file according to the first sub-file.

[0069] Specifically, the terminal generates a request for obtaining a second sub-file of the resource file according to a user's operation, such as clicking on the cover or sealing operation of the first sub-file of the resource file or other operations, and delivering the acquisition request to the server.

[0070] S103: the server receives the acquisition request.

[0071] The server can be the server of an enterprise or a merchant, or a resource management organization (such as a bank) bound by an enterprise or a merchant.

[0072] S104: the server delivers the second sub-file of the resource file to the terminal according to the obtaining request.

[0073] Specifically, the server obtains the terminal information and the resource file information Date Recue/Date Received 2021-03-29 according to the acquisition request, and accordingly delivers the second sub-file of the resource file to the terminal. The resource quota of the second sub-file is determined according to a preset rule, which is set when the resource file is generated.
If the resource file is fixed, some resource files generate a quota randomly.

[0074] S105: the terminal receives a second sub-file of the resource file.

[0075] The terminal receives the second sub-file of the resource file and successfully obtains the second sub-file of the resource file.

[0076] Optionally, the server may also deliver a second sub-file of the resource file to the terminal user's account. For example, the server registers the second sub-file of the resource file directly under the account of the terminal user. Alternatively, the second sub-file is bound to the account of the terminal user.

[0077] Please refer to Figure 2, a data processing method applied to a terminal according to a first example of the present invention is presented. The method includes the following steps:

[0078] S101: Acquire a first sub-file of a resource file.

[0079] 5102. Deliver a request for acquiring a second sub-file of the resource file to the server according to the first sub-file.

[0080] 5105. Receive a second sub-file of the resource file delivered by the server according to the acquisition request.

[0081] Please refer to Figure 3, a data processing method applied to a server according to a first example of the present invention is presented. The method includes the following steps:

[0082] 5103. The receiving terminal obtains a request for obtaining a second sub-file of the resource file that is delivered according to the first sub-file of the resource file.

[0083] Specifically, after the server delivers the first sub-file of the resource file to the terminal, the receiving terminal obtains the second sub-file obtaining request of the resource file that is delivered according to the first sub-file of the resource file.

[0084] 5104: Deliver a second sub-file of the resource file to the terminal or the terminal user's account according to the obtaining request.

[0085] The data processing method of the present example, by setting a resource file that lacks the second sub-file, only after the resource file receiver receives the first sub-file of the resource file, the second sub-file is delivered according to the request of the resource file receiver so that during the period between the issuer generating the resource file and the receiver acquiring the second sub-file of the resource file, the financial resources of the resource file are not frozen in the resource file, but are still in the issuer's account, The resource can be used flexibly, which improves the efficiency of resource utilization and the flexibility of terminal delivering and receiving resources.

Date Recue/Date Received 2021-03-29

[0086] Example 2

[0087] In this example, the second sub-file of the resource file includes the electronic consumption coupons.

[0088] Please refer to Figure 4, a data processing method according to a second example of the present invention is presented. The method includes the following steps:

[0089] S201: the terminal acquires a first sub-file of a resource file.

[0090] In the example of the present invention, when the issuer generates the resource file, there is only the first sub-file, but the second sub-file is not set in the first sub-file. The server delivers the first sub-file of the resource file to the terminal. After the terminal obtains the resource file delivered by the issuer, only one first sub-file is obtained, that is, the resource file that does not carry the second sub-file is obtained.

[0091] S202: the terminal receives a trigger instruction of the user on the first sub-file of the resource file, and acquires the data value after the trigger instruction is executed.

[0092] Specifically, when the user performs any one of the following or at least two operations, the terminal determines to receive a trigger instruction. The operation includes: opening a seal of the first sub-file, speaking the specified information, and clicking first sub-file on the specified pattern or text, etc. At the same time, the terminal acquires the data value after the execution of the trigger instruction. The data value includes the speed at which the user opens the seal of the first sub-file, the size or! and sharpness of the sound of the specified information, and the speed of the specified pattern or text on the first sub-file are either or at least two combinations.

[0093] For example, the first sub-file has a slider on the seal. When the user slides the slider from one end to the other, the seal is opened. The terminal detects the sliding speed of the slider and takes the sliding speed of the slider as the speed of opening the seal;
the first sub-file prompts the user to say a paragraph of advertising language and detects the size or! and clarity of the voice of the user who speaks the advertisement language; the cover of the first sub-file shows multiple advertising patterns or! and advertising text, requiring the user to click on the ad pattern or! and advertisement text, and to detect the speed of the user's click (which can be measured by the time spent on the click).

[0094] S203: the terminal generates an acquisition request according to the trigger instruction.

[0095] After the terminal receives the trigger instruction, an acquisition request is generated immediately.

[0096] S204: the terminal carries a data value in the acquisition request and delivers it to the server.

[0097] In the present example, the acquisition request delivered by the terminal to the server Date Recue/Date Received 2021-03-29 includes the data value of the trigger instruction detected by the terminal.

[0098] S205: the server receives the acquisition request.

[0099] The server can be the server of an enterprise or a merchant, or a resource management organization (such as a bank) bound by an enterprise or a merchant.

[0100] S206: the server determines the quota of resources for the second sub-file based on the data values carried in the acquisition request.

[0101] Specifically, the server acquires the terminal information, the resource file information, and the data value according to the obtaining request, and determines the resource quota of the second sub-file according to the data value.

[0102] In a specific implementation, the upper and lower limits of the resource quota of the second sub-file can be set when the resource file is generated, and the resource quota of the second sub-file can be determined according to the data value within the upper and lower limit range of the quota, such as the larger the data value, the larger the amount.
For example, the faster the seal of the first sub-file is opened, the larger the resource quota of the second sub-file is; the greater the sound of the specified information is or! and the clearer the resource quota of the second sub-file is, the greater the resource quota of the second sub-file is. The faster you click on the specified pattern or text on the first sub-file, the larger the quota of resources in the second sub-file.

[0103] S207: the server delivers the second sub-file of the resource file to the terminal.

[0104] The second sub-file in this example may be one of the electronic consumption coupons or a combination of both.

[0105] S208: the terminal receives a second sub-file of the resource file.

[0106] The terminal receives the second sub-file of the resource file and successfully obtains the second sub-file.

[0107] Optionally, the server may also deliver a second sub-file of the resource file to the terminal user's account. For example, the server registers the second sub-file of the resource file directly under the account of the terminal user. Alternatively, the second sub-file is bound to the account of the terminal user.

[0108] Please refer to Figure 5, a data processing method applied to a terminal according to a second example of the present invention is presented. The method includes the following steps:

[0109] S201: Acquire a first sub-file of a resource file.

[0110] S202: Receive a trigger instruction from a user on a first sub-file of a resource file, and detect a data value after the trigger instruction is executed.

[0111] S203: Generate an acquisition request according to the trigger instruction.
Date Recue/Date Received 2021-03-29

[0112] S204. A data value is carried in the acquisition request and delivered to the server, so that the server determines the resource quota of the second sub-file according to the data value.

[0113] S208. Receive a second sub-file of the resource file delivered by the server according to the acquisition request.

[0114] Please refer to Figure 6, a data processing method applied to a server according to a second example of the present invention is presented. The method includes the following steps:

[0115] S205. The receiving terminal obtains a request for obtaining a second sub-file of the resource file that is delivered according to the first sub-file of the resource file. The acquisition request carries the data value.

[0116] Specifically, after the server delivers the first sub-file of the resource file to the terminal, the receiving terminal obtains the second sub-file obtaining request of the resource file that is delivered according to the first sub-file of the resource file.

[0117] S206: Determine the resource quota of the second sub-file according to the data value carried in the obtaining request.

[0118] S207: Deliver a second sub-file of the resource file to the terminal or the terminal user's account.

[0119] In the data processing method of this example, the resource quota of the second sub-file of the resource file is determined by the user's trigger operation. The introduction of this uncertainty factor improves the playability and interest, and greatly stimulates the enthusiasm of users and improves the advertising effect of enterprises and merchants through the way of delivering resource files.

[0120] Example 3

[0121] In this example, the second sub-file of the resource file includes an electronic certificate (e.g., Bank Credit Certificate), and the obtaining request of acquiring the second sub-file of the resource file is a request for obtaining electronic certificate, and the server includes the First Resource-Management Server and Second Resource-Management Server.
Wherein, the First Resource-Management Server is a server of a first resource management institution (such as a bank) bounded by a resource file issuer (such as an enterprise or a business). At this time, the first resource management institution is an issuing institution (such as an issuing bank) The Second Resource-Management Server is a server of a second resource management institution (such as a bank) bound to the receiver of the resource file.
At this time, the second resource management institution is a certificate collection institution (such as a collection bank). The resource management institution bound by the resource document issuer and the receiver of the resource file may be the same organization or may be a different organization, that is, the first resource management Date Recue/Date Received 2021-03-29 organization and the second resource management organization may be the same or different, and the corresponding first resource management server and the second resource management server may be the same server or may be different servers.

[0122] Please refer to Figure 7, a data processing method according to a third example of the present invention is presented. The method includes the following steps:

[0123] S301: the terminal acquires a first sub-file of a resource file.

[0124] The second sub-file of the resource file in this example includes electronic certificate. The resource file issuer may apply to the first resource management organization that is bound to it, and use the resource file generator of the first resource management organization to generate the resource file. When the resource file is generated, there is only a first sub-file.
A second sub-file that includes electronic certificate is not set in the first sub-file. The First Resource-Management Server delivers the first sub-file of the resource file to the terminal.
After the terminal receives the resource file delivered by the First Resource-Management Server, only one first sub-file is obtained, that is, a resource file that does not contain electronic certificate is obtained.

[0125] S302: the terminal delivers a request for obtaining electronic certificate to the Second Resource-Management Server according to the first sub-file.

[0126] Specifically, the terminal generates a request for obtaining electronic certificate according to a user's operation, such as an operation of clicking on the cover or seal of the first sub-file or other operations, and delivers the request to the Second Resource-Management Server.

[0127] S303. The Second Resource-Management Server receives the request for obtaining electronic certificate and forwards the request to the First Resource-Management Server.

[0128] Specifically, the Second Resource-Management Server obtains terminal information according to the request for obtaining electronic certificate, acquires the information of the recipient according to the terminal information, the recipient is also the resource file receiver, and then delivers the request to the First Resource-Management Server.

[0129] S304: the First Resource-Management Server receives a request for obtaining electronic certificate, and delivers an electronic certificate to the Second Resource-Management Server according to the request.

[0130] Specifically, the Second Resource-Management Server obtains the terminal information and the resource file information according to the request for obtaining the electronic certificate, acquires the information of the recipient according to the terminal information, and according to the information of the resource file, the issuer is the also the issuer of the resource file, according to which the electronic certificate is issued to the recipient, and the Date Recue/Date Received 2021-03-29 issued electronic certificate is delivered to the Second Resource-Management Server.

[0131] S305: the Second Resource-Management Server receives the electronic certificate and delivers the electronic certificate to the terminal. Specifically, after receiving the electronic certificate, the Second Resource-Management Server delivers the electronic certificate to the terminal. Further, the electronic certificate collection information is also fed back to the terminal.

[0132] S306: the terminal receives electronic certificate.

[0133] After the recipient (that is, the recipient of the resource file) obtains the electronic certificate, he can apply to the Second Resource-Management Server through the terminal for a cash withdrawal (payment of electronic certificate). The Second Resource-Management Server receives the request from the First Resource-Management Server after receiving the request, that is, the Second Resource-Management Server receives the funds associated with the electronic certificate by the First Resource-Management Server and transfers it into the account of the recipient, and the recipient can obtain the funds frozen by the issuer through the electronic certificate.

[0134] Optionally, the Second Resource-Management Server may also deliver an electronic certificate to the account of the terminal user. For example, the Second Resource-Management Server directly registers electronic certificate under the account of the terminal user, or bind the electronic certificate to the account of the terminal user.

[0135] Please refer to Figure 8, a data processing method applied to a terminal according to a third example of the present invention is presented. The method includes the following steps:

[0136] S301: Acquire a first sub-file of a resource file.

[0137] S302: Deliver a request for obtaining electronic certificate to the Second Resource-Management Server according to the first sub-file. Thus, the Second Resource-Management Server is caused to forward the request to the First Resource-Management Server and receive the electronic certificate delivered by the First Resource-Management Server according to the request.

[0138] S306: Receive the electronic certificate delivered by the Second Resource-Management Server.

[0139] The data processing method of this example uses electronic certificate as the second sub-file of the resource file. After the resource file receiver receives the resource file, the resource management server opens an electronic certificate to the resource file receiver at the request of the resource file recipient, so that during the period between the issuer generating the resource file and the receiving party acquiring the second sub-file of the resource file, the financial resources of the resource file are not frozen in the resource file, Date Recue/Date Received 2021-03-29 but are still in the issuer's account. The resource can be used flexibly, which improves the efficiency of resource utilization and the flexibility of terminal delivering and receiving resources.

[0140] Example 4

[0141] In this example, the second sub-file of the resource file includes electronic certificate, and the obtaining request of the second sub-file of the acquired resource file is a request for obtaining electronic certificate. The server includes the First Resource-Management Server and the Second Resource-Management Server. Wherein, the first resource management server is a server of a first resource management institution (such as a bank) bounded by a resource file issuer (such as an enterprise or a business). At this time, the first resource management institution is an issuing institution (such as an issuing bank).
The second resource management server is a server of a second resource management institution (such as a bank) bound to the receiver of the resource file. At this time, the second resource management institution is a certificate collection institution (such as a certification bank).
The resource management institution bound by the resource document issuer and the receiver of the resource file may be the same organization or may be a different organization, that is, the first resource management organization and the second resource management organization may be the same or different, and the corresponding first resource management server and the second resource management server may be the same server or may be different servers.

[0142] Please refer to Figure 9, a data processing method according to a fourth example of the present invention is presented. The method includes the following steps:

[0143] S401: A first sub-file of the terminal resource file.

[0144] The second sub-file of the resource file in this example includes electronic certificate. The resource file issuer may apply to the first resource management organization that is bound to it, and use the resource file generator of the first resource management organization to generate the resource file. When the resource file is generated, there is only a first sub-file.
A second sub-file that includes electronic certificate is not set in the first sub-file. After the terminal receives the resource file delivered by the First Resource-Management Server, only one first sub-file is obtained, that is, a resource file that does not contain electronic certificate is obtained.

[0145] S402: the terminal receives a trigger instruction of the user on the first sub-file of the resource file, and acquires the data value after the trigger instruction is executed.

[0146] Specifically, when the user performs any one of the following or at least two operations, the terminal determines to receive a trigger instruction. The operation includes: opening a Date Recue/Date Received 2021-03-29 seal of the first sub-file, speaking the specified information, and clicking first sub-file on the specified pattern or text, etc. At the same time, the terminal acquires the data value after the execution of the trigger instruction. The data value includes the speed at which the user opens the seal of the first sub-file, the size or! and sharpness of the sound of the specified information, and the speed of the specified pattern or text on the first sub-file are either or at least two combinations.

[0147] For example, the first sub-file has a slider on the seal. When the user slides the slider from one end to the other, the seal is opened. The terminal detects the sliding speed of the slider and takes the sliding speed of the slider as the speed of opening the seal;
the first sub-file prompts the user to say a paragraph of advertising language and detects the size or! and clarity of the voice of the user who speaks the advertisement language; the cover of the first sub-file shows multiple advertising patterns or! and advertising text, requiring the user to click on the ad pattern or! and advertisement text, and to detect the speed of the user's click (which can be measured by the time spent on the click).

[0148] S403: the terminal generates a request for obtaining electronic certificate according to the trigger instruction.

[0149] After receiving the trigger instruction, the terminal immediately generates a request for obtaining electronic certificate.

[0150] S404: the terminal carries a data value in the request for obtaining the electronic certificate and delivers it to the Second Resource-Management Server.

[0151] In this example, the request for acquiring the electronic certificate delivered by the terminal to the server includes the data value after the execution of the trigger instruction detected by the terminal.

[0152] S405. The Second Resource-Management Server receives the request for obtaining electronic certificate and forwards the request to the First Resource-Management Server.

[0153] Specifically, the second resource management server obtains terminal information according to the request for obtaining electronic certificate, acquires the certifier information according to the terminal information, the purveyor is the resource file receiver, and then sends the request to the Second Resource-Management Server.

[0154] S406: the First Resource-Management Server receives a request for obtaining electronic certificate, and delivers an electronic certificate to the Second Resource-Management Server according to the request.

[0155] Specifically, the server obtains the resource file information, the terminal information, and the data value according to the request for obtaining the electronic certificate. According to the data value, the issuing quota of electronic certificate is determined, the recipient Date Recue/Date Received 2021-03-29 information is obtained according to the terminal information, and the issuer's information is obtained according to the resource file information. The issuer is the issuer of the resource file, according to which the electronic certificate is issued to the recipient. And deliver the issued electronic certificate to the Second Resource-Management Server.

[0156] The upper and lower limits of the issuing quota can be set when the resource file is generated, and the issuing quota can be determined according to the data value within the upper and lower limits of the quota, such as the larger the data value, the greater the quota.
For example, the faster the opening of the seal of the resource file, the greater the issuing quota; the greater the sound of the specified information or / and the clearer the issuing quota; the faster the speed of clicking on the specified pattern or text on the resource file, the greater the opening quota.

[0157] S407: the Second Resource-Management Server receives the electronic certificate and delivers the electronic certificate to the terminal.

[0158] Specifically, after receiving the electronic certificate, the Second Resource-Management Server delivers the electronic certificate to the terminal. Further, the electronic certificate detection information may also be fed back to the terminal.

[0159] S408: the terminal receives electronic certificate.

[0160] After the recipient (that is, the recipient of the resource file) obtains the electronic certificate, he can apply to the Second Resource-Management Server through the terminal for a cash withdrawal (payment of electronic certificate). The Second Resource-Management Server receives the request from the First Resource-Management Server after receiving the request, that is, the Second Resource-Management Server receives the funds associated with the electronic certificate by the First Resource-Management Server and transfers it into the account of the recipient, and the recipient can obtain the funds frozen by the issuer through the electronic certificate.

[0161] Optionally, the Second Resource-Management Server may also deliver an electronic certificate to the account of the terminal user. For example, the Second Resource-Management Server directly registers electronic certificate under the account of the terminal user, or bind the electronic certificate to the account of the terminal user.

[0162] Please refer to Figure 10, a data processing method applied to a terminal according to a forth example of the present invention is presented. The method includes the following steps:

[0163] S401: Acquire a first sub-file of a resource file.

[0164] S402: Receive a trigger instruction of the user on the first sub-file of the resource file, and acquire the data value after the trigger instruction is executed.

Date Recue/Date Received 2021-03-29

[0165] S403. Generate a request for obtaining electronic certificate according to the trigger instruction.

[0166] S404: the data value is carried in the request for obtaining the electronic certificate and delivered to the Second Resource-Management Server.

[0167] S408: Receive the electronic certificate delivered by the Second Resource-Management Server.

[0168] In the data processing method of this example, the user's trigger operation is used to determine the issuing quota of the electronic certificate in the resource file. This introduction of uncertain factors improves the playability and interest, and greatly stimulates the user. The enthusiasm for participation improved the advertising effectiveness of companies and merchants through the way of issuing resource files for advertising marketing.

[0169] Example 5

[0170] Please refer to Figure 11, a data processing method according to a fifth example of the present invention is presented. In this example, taking the resource file as the electronic red envelope (that is, the electronic red envelope), the content of which is Bank Credit Certificate, and the resource management organization is the bank as an example, the First Resource-Management Server and the Second Resource-Management Server are the first bank server and the second bank server, respectively. The method comprises the following steps:

[0171] S501: the first bank server generates an electronic red envelope data package according to a user request of the First Terminal, where the electronic red envelope includes an envelope (first sub-file) but does not include a content (second sub-file) Bank Credit Certificate. The first bank server then delivers the envelope of the electronic red envelope to the Second Terminal. The First Terminal is a terminal held by an electronic red envelope issuer, and the Second Terminal is a terminal held by an electronic red envelope receiver.

[0172] S502. The second terminal delivers a request for acquiring a Bank Credit Certificate to the second bank server according to the envelope of the electronic red envelope.

[0173] S503: the first bank server receives a request for acquiring a Bank Credit Certificate from the Second Terminal forwarded by the second bank server, and according to the request, the corresponding electronic red envelope in the bank account of the First Terminal user (i.e., the electronic red envelope issuer). The amount is frozen to generate a Bank Credit Certificate and the Bank Credit Certificate is delivered to the second bank server.

[0174] S504. The Second Terminal receives the Bank Credit Certificate delivered by the second bank server, and delivers a withdrawal request for the electronic red envelope to the second Date Recue/Date Received 2021-03-29 bank server according to the Bank Credit Certificate.

[0175] S505: the second bank server notifies the first bank server to release the frozen amount of the electronic red envelope in the bank account of the First Terminal user according to the withdrawal request, and associates the electronic bank with the electronic red envelope in the bank account of the First Terminal user. The amount is transferred to the bank account of the Second Terminal user (i.e., the receiver of electronic red envelope).

[0176] It should be noted that the electronic red envelope in the present invention is different from the electronic red envelope in the existing technology.

[0177] In the example of the present invention, as shown in Figure 12 and Figure 13, after receiving a request for generating an electronic red envelope submitted by the First Terminal, the first bank server generates an electronic red envelope of amount A and freezes an amount of A in the bank account of the First Terminal user. The First Terminal or the first bank server delivers the generated electronic red envelope or the generated electronic red envelope address information to the network domain. After the Second Terminal user checks the electronic red envelope, the Second Terminal performs operations such as grabbing an electronic red envelope, receiving an electronic red envelope, disassembling an electronic red envelope, or receiving an electronic red envelope, wherein the second terminal notifies the second bank when the electronic red envelope is received.
The second bank server verifies, confirms and delivers a released request to the first bank server. The first bank server release the amount of A frozen in the bank account of the First Terminal user. An amount is transferred from the bank account of the First Terminal user to the bank account of the Second Terminal user.

[0178] The electronic red envelope in the existing technology, as shown in figures 14 and 15, User 3 logs on to the platform at Terminal 3, delivers an electronic red envelope to User 4 of the same platform (the amount of money is B), and User 4 logs into the platform at Terminal 4 to receive the electronic red envelope. The server of the platform executes the platform account of User 3 (User 3 is pre-associated with the bank account of User 3 in the electronic account of the platform) and the platform account of User 4 (User 4 is pre-associated with the bank account of User 4 in the electronic account of the platform), that is, after the platform background server receives the electronic red envelope request from User 3 of Terminal 3, A corresponding electronic red envelope is generated and delivered to the User 4 of the Terminal 4, and the balance number of the platform account of Terminal 3 is subtracted from the balance number of the platform account of the Terminal 3, and the balance number of the platform account of the Terminal 4 is added to the B. The electronic accounts are limited to valid data on the same platform, and no Date Recue/Date Received 2021-03-29 information can be exchanged outside the platform. In fact, the bank server 3 transfers the amount of money in the bank account of User 3 to the bank account of the platform at the request of User 3 (corresponding to bank server 5). An electronic red envelope is issued through the amount in the platform account of the Terminal 3, but the amount of the electronic wallet is still in the bank account of the platform before the User 4 cashes the electronic red envelope. And if the User 4 needs to cash the grabbed electronic red envelope, close the current electronic red envelope page, check the wallet menu bar to find platform account 4, click the cash button, and withdraw the amount to the associated bank account (corresponding to bank server 4).

[0179] The issuing, grabbing, and receiving of the electronic red envelope in the existing technology are all based on the platform, and it cannot be achieved without the platform, and the electronic bonus amount is deposited in the platform account. The issuing/receiving of the electronic wallet is only the transferring and marking of the amount data in the platform system, and the actual amount of the user is deposited into the platform account, which brings about the security problem of the fund data, and there is the risk of the third party platform fund. Moreover, the operation steps of cash withdrawal in the existing technology are complicated. At the same time, during the period when the issuer generates red envelopes and the receiver obtains red envelopes, the funds charged in the red envelopes are frozen and can no longer be used. As a result, a large number of funds are frozen and idle and cannot be used effectively, which seriously affects the efficiency of resource utilization, and affects the terminal's flexibility of delivering and receiving resources at the same time.

[0180] The implementation of the electronic red envelope in the example of the present invention does not need to be implemented based on a third-party platform. After the user issues the electronic red envelope, the corresponding amount is still frozen in the bank account of the issuer until the other user confirms that they have received the electronic red envelope.
Release the corresponding electronic red envelope amount from the issuer's bank account and transfer it to the receiver's bank account. In the example of the present invention, there is no security problem of funds on a third-party platform. In the example of the present invention, the actual amount of the electronic wallet is directly transferred in the bank account. Compared with the existing technology, the actual amount of the electronic wallet needs to be transferred in the platform account and the complicated cash recovery step, the withdrawal procedure in the example of the present invention is simple and the security is high. Meanwhile, in the example of the present invention, when generating an electronic red envelope, the issuer may not fill the contents. Only when the receiver receives the Date Recue/Date Received 2021-03-29 electronic red envelope can the issuer delivers the contents of the electronic red envelope according to the request of the receiver, thus effectively avoiding the freezing of the funds when the electronic red envelope is generated. When the funds are released after the collection of electronic red envelopes, the efficiency of resource utilization is improved effectively, and the flexibility of delivering and receiving resources is improved at the same time.

[0181] The electronic red envelope in the example of the present invention implements cross-platform transmission. The electronic red envelope data in the existing technology can only communicate in the instant, the e-commerce platform is equal to the same platform for transmission and processing. The electronic red envelope in the present invention are not limited to the same platform, and support the transmission, interaction and processing of data between different platforms. Moreover, the examples of the present invention can effectively improve the utilization efficiency of resources and improve the flexibility of the terminal to deliver and receive resources.

[0182] In order to better illustrate the technical advantages of the examples of the present invention, in combination with Figure 16, the delivering terminal of the electronic red envelope issues the electronic red envelope, the receiving Terminal 1 and the receiving Terminal 2... the receiving Terminal n receives the electronic red envelope, and when receiving an electronic red envelope, it is not necessary to receive it from the same platform on which the sender issues the electronic red envelope. In the existing technology, issuing red envelope and receiving red envelope need to be performed on the same platform system. In this example of the present invention, the red envelope received by the receiving Terminal 1, the receiving Terminal 2, and the receiving Terminal n can be a different platform system, such as the mobile client of each bank. In the example of the present invention, the receiving Terminal 1, the receiving Terminal 2, and the receiving Terminal n can also deliver the request directly to the bank server that receives the user's bank account without any platform system. Therefore, the cross-platform transmission and collection of the electronic red envelope is realized by the example of the present invention. In this way, the spread and frequency of electronic red envelopes have been expanded.

[0183] Example 6

[0184] Please refer to Figure 17, a data processing system according to a sixth example of the present invention is presented. The system includes a Server 10 and a Terminal 20, wherein:

[0185] Terminal 20: The first sub-file is set to obtain the resource file, according to the first Date Recue/Date Received 2021-03-29 sub-file, the acquisition request of the second sub-file of the resource file is delivered to the Server 10, and the second sub-file of the resource file delivered by the receiving Server 10 according to the acquisition request is delivered. Wherein, the second sub-file includes electronic consumption coupons.

[0186] Server 10: The first sub-file of the resource file is delivered to the Terminal 20, and the receiving Terminal 20 receives a request for obtaining the second sub-file of the resource file delivered by the Terminal 20 according to the first sub-file. Deliver the second sub-file of the resource file to the account of the Terminal 20 or Terminal 20 based on the acquisition request.

[0187] Further, the terminal 20 is further set to receive the trigger instruction of the user on the first sub-file of the resource file, and obtain the data value after the trigger instruction is executed, generate the acquisition request according to the data instruction, carry the data value in the acquisition request and deliver it to the Server 10; Server 10 is also set to determine the amount of resources for the second sub-file based on the data value.

[0188] Wherein, the data value includes the speed at which the user opens the seal of the first sub-file, the size or! and clarity of the sound of the specified information, and any or at least two combinations of the speed at which the specified pattern or text on the first sub-file is clicked.

[0189] Further, in some examples, the second sub-file of the resource file may also include electronic certificate. At this time, the acquisition request delivered by the terminal 20 is a request for obtaining the electronic certificate, and the Server 10 includes the First Resource-Management Server 101 and the Second Resource-Management Server 102 as shown in Figure 18. The First Resource-Management Server 101 is a server of a first resource management organization bound to a resource file issuer, and the Second Resource-Management Server 102 is bound to a resource file receiver. The resource management institution bound by the issuer of the resource file and the recipient of the resource file may be the same or different, that is, the first resource management institution and the second resource management institution may be the same or different, and the corresponding First Resource-Management Server 101 and Second Resource-Management Server 102 may be the same server, or may be different servers. Wherein:

[0190] The terminal 20 is used to receive a first sub-file of the resource file delivered by the First Resource-Management Server 101, and deliver a request for obtaining electronic certificate of the resource file to the Second Resource-Management Server 102, and receive the electronic certificate delivered by the Second Resource-Management Server 102.

[0191] The Second Resource-Management Server 102 is used to receive a request for obtaining Date Recue/Date Received 2021-03-29 electronic certificate delivered by the terminal 20 and forward the request to the First Resource-Management Server 101 to receive the electronic certificate delivered by the First Resource-Management Server 101 according to the request. The electronic certificate is delivered to the Terminal 20 or the Terminal 20's account.

[0192] The First Resource-Management Server 101 is used to: deliver the first sub-file of the resource file to the Terminal 20, receive a request for obtaining electronic certificate delivered by the Second Resource-Management Server 102, open an electronic certificate according to the request, and electronic certificate is delivered to the First Resource-Management Server 101.

[0193] Further, the First Resource-Management Server 101 also generates a resource file that lacks the second sub-file according to the application of the resource file issuer, that is, only the first sub-file of the resource file is generated.

[0194] Further, when the request for obtaining the electronic certificate carries a data value, the First Resource-Management Server 101 also determines the open amount according to the data value, and opens an electronic certificate according to the determined open amount.

[0195] In the data processing system of the example of the present invention, according to setting up a resource file that lacks a second sub-file, when the resource file receiver receives the resource file, the second sub-file is delivered at the request of the resource file receiver, so that during the period between the issuer generating the resource file and the receiver acquiring the second sub-file of the resource file, the financial resources of the resource file are not frozen in the resource file, but are still in the issuer's account, it can continue to flexible use of this fund resources, thus effectively improve the efficiency of the use of resources.

[0196] It should be understood that the data processing system and the data processing method provided in the foregoing examples belong to the same concept. The detailed implementation process is shown in the method of the present example, and the technical features in the method examples are applicable to the system examples, which will not be repeated here.

[0197] Example 7

[0198] Please refer to Figure 19, a data processing device applied to a terminal in the seventh embodiment of the invention is proposed. The device comprises an acquisition module 21, a request module 22 and a receiving module 23, wherein:

[0199] Acquisition module 21: Set to obtain the first sub-file of the resource file.

[0200] The request module 22 is used to deliver, according to the first sub-file, a request for obtaining a second sub-file of the resource file to the server. The second sub-document Date Recue/Date Received 2021-03-29 includes electronic certificates.

[0201] The receiving module 23 is used to receive the second sub-file of the resource file delivered by the server according to the acquisition request.

[0202] Further, as shown in Figure 20, the requesting module 22 includes a triggering unit 221, a generating unit 222, and a delivering unit 223, wherein:

[0203] The trigger unit 221 is used to receive a trigger instruction of the user on the first sub-file of the resource file, and detect the data value after the trigger instruction is executed.

[0204] The generating unit 222 is used to generate an acquisition request according to the trigger instruction;

[0205] The delivering unit 223 is used to carry the data value in the acquisition request and deliver it to the server, so that the server determines the resource amount of the second sub-file according to the data value.

[0206] Wherein, the trigger unit 221 is used to: obtain the speed at which the user opens the seal of the first sub-file, the size or / and clarity of the sound of the specified information, and the speed of clicking on the specified pattern or text on the first sub-file are obtained as data values.

[0207] Further, in some examples, the second sub-file of the resource file includes electronic certificate. At this time, the obtaining request is a request for obtaining electronic certificate. The server includes a first resource management server and a second resource management server. A resource management server is a First Resource-Management Server institution bound to a resource file issuer, and a Second Resource-Management Server is a server of a second resource management institution bound to a resource file receiver; the resource management institution bound by the issuer of the resource file and the receiver of the resource file may be the same or different, that is, the First Resource-Management Server institution and the Second Resource-Management Server institution may or may not be the same, The corresponding First Resource-Management Server and the Second Resource-Management Server may be the same or different servers. At this time:

[0208] The acquisition module 21 is used to: receive a first sub-file of a resource file delivered by the First Resource-Management Server; [0209] The requesting module 22 is used to:
deliver a request for obtaining electronic certificate to the Second Resource-Management Server, so that the Second Resource-Management Server forwards the request to the First Resource-Management Server and receives the electronic certificate delivered by the First Resource-Management Server according to the request;
[0210] The receiving module 23 is used to receive the electronic certificate delivered by the Second Resource-Management Server.

Date Recue/Date Received 2021-03-29 [0211] The data processing device according to the example of the present invention obtains the second of the resource file only after acquiring the resource file that lacks the second sub-file and delivering the acquisition request of the second sub-file that obtains the resource file, so that during the period between the issuer generating the resource file and the receiver acquiring the second sub-file of the resource file, the financial resources of the resource file are not frozen in the resource file, but are still in the issuer's account, which can continue to flexible use of this fund resources, thus effectively improve the efficiency of the use of resources.
[0212] Example 8 [0213] Please refer to Figure 21, a data processing device applied to a server according to an eighth example of the present invention is provided. The device includes a resource file delivery module 11, an acquisition request receiving module 12, and a processing module 13, wherein:
[0214] The resource file delivery module 11 is used to deliver the first sub-file of the resource file to the terminal.
[0215] The acquisition request receiving module 12 is used to receive an acquisition request for acquiring a second sub-file of the resource file delivered by the terminal.
[0216] The processing module 13 is used to deliver the second sub-file of the resource file to the terminal or the terminal user's account according to the acquisition request.
Wherein, the second sub-file includes electronic consumption coupons.
[0217] Further, the acquisition request carries a data value, and the processing module 13 is further set to determine the resource quota of the second sub-file according to the data value.
[0218] Wherein, the data value includes the speed at which the user opens the seal of the first sub-file, the size or! and clarity of the sound of the specified information, and any or at least two combinations of the speed at which the specified pattern or text on the first sub-file is clicked.
[0219] Further, in some examples, the second sub-file of the resource file may also include electronic certificate. At this time, the obtaining request delivered by the terminal is a request for obtaining electronic certificate. The server includes a first resource management server and a second resource management server. A resource management server is a First Resource-Management Server institution bound to a resource file issuer, and a Second Resource-Management Server is a server of a second resource management institution bound to a resource file receiver; the resource management institution bound by the issuer of the resource file and the receiver of the resource file may be the same or different, that is, the First Resource-Management Server institution and the Second Date Recue/Date Received 2021-03-29 Resource-Management Server institution may or may not be the same, The corresponding First Resource-Management Server and the Second Resource-Management Server may be the same or different servers. At this time:
[0220] When the device is applied to the Second Resource-Management Server, the processing module 13 is used to: receive a request for obtaining electronic certificate delivered by the terminal, and forward the request to the First Resource-Management Server, and receive the First Resource-Management Server according to the request. The electronic certificate requested is delivered and the electronic certificate is delivered to the terminal or the terminal user's account.
[0221] When the device is applied to the First Resource-Management Server, the processing module 13 is used to: receive a request for obtaining electronic certificate delivered by the Second Resource-Management Server, open an electronic certificate according to the request, and deliver the electronic certificate to the First Resource-Management Server.
Further, the processing module 13 may also deliver the resource file lacking the second sub file to the terminal; further, the processing module 13 can also generate a resource file that does not carry a second sub- file based on the request of the issuer of the resource file, that is, only a first sub-file of the resource file is generated; further, when the data value is carried in the request, the processing module 13 also determines the opening quota according to the data value, and opens the electronic certificate according to the determined opening quota.
[0222] The data processing device according to the example of the present invention sets a resource file that does not carry the second sub-file, and delivers the second sub-file according to the request of the receiver of the resource file only after the resource file receiver receives the resource file, thus during the period between the issuer generating the resource file and the receiver acquiring the second sub-file of the resource file, the financial resources of the resource file are not frozen in the resource file, but are still in the issuer's account. The resource can be used flexibly, which improves the efficiency of resource utilization and the flexibility of terminal delivering and receiving resources.
[0223] It should be understood that the data processing device and the data processing method provided in the foregoing examples belong to the same concept, and the specific implementation process is specifically described in the method example. The technical features in the method example are applicable to the device examples, which will not be repeated here.
[0224] Through the description of the above examples, those skilled in the existing technology can clearly understand that the above example method can be implemented by means of Date Recue/Date Received 2021-03-29 software plus a necessary general hardware platform and of course, through the hardware, but in many cases the former is the better way to implement it. Based on this understanding, the technical solution of the present invention can be embodied in the form of a software commodity, in essence, or a part that contributes to the existing technology.
The computer software commodity is stored in a storage medium (such as ROM/RAM, magnetic disk). The optical disc includes instructions for enabling a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the methods described in the various examples of the present invention.
[0225] The preferred examples of the present invention have been described above with reference to the accompanying drawings, which are not to limit the scope of the present invention.
Without departing from the scope and spirit of the invention, there are various modifications to realize the example, such as the character of one example may be implemented in another example, and then another example occurs. Any modifications, equivalents, and modifications that come within the technical concept of the invention are intended to be within the right scope of the invention.
Industrial Utility [0226] The invention provides a method of data processing by setting up a resource file that lacks the second sub-file, when the resource file receiver receives the first sub-file of the resource file, the second sub-file is delivered according to the request of the resource file receiver. As a result, during the period between the issuer generating the resource file and the receiver acquiring the second sub-file of the resource file, the financial resources of the resource file are not frozen in the resource file, but are still in the issuer's account, The resources can be used flexibly, which effectively avoid the freezing of resources when generating resource files, and thaw the resources until the resources are collected. The utilization efficiency of resources is effectively improved, and meanwhile, the flexibility of delivering and receiving resources of the terminal is improved.

Date Recue/Date Received 2021-03-29

Claims

Claims:

1.A data processing method in an electronic transaction, the method comprising:
a first computer server generates an electronic red envelope according to a request of a first terminal user, and delivers a cover of the electronic red envelope to a second terminal;
the second terminal delivers a request for acquiring a Bank Credit Certificate to a second computer server according to the cover of the electronic red envelope;
the first computer server receives the request for acquiring the Bank Credit Certificate forwarded by the second computer server, and generates the Bank Credit Certificate by freezing an amount of funds of the corresponding electronic red envelope in a bank account of the first terminal user according to the request, and delivers the Bank Credit Certificate to the second computer server;
the second terminal delivers a withdrawal request for the electronic red envelope to the second bank server according to the Bank Credit Certificate when receiving the Bank Credit Certificate delivered by the second computer server; and the second computer server notifies the first bank server to release the frozen amount of funds in the bank account of the first terminal user according to the withdrawal request, to enable the released amount of funds in the bank account of the first terminal user to be transferred to a bank account of the second terminal user.

2. The method of claim 1, wherein the electronic red envelope may be a resource file for electronic transaction.

3.The method of claim 1, wherein the electronic red envelope further includes contents sealed in Date Recue/Date Received 2021-03-29 the electronic red envelope.

4.The method of any one of claims 1 to 2, wherein the resource file includes a first sub-file.

5.The method of any one of claims 1 to 4, wherein the resource file includes a second sub-file.

6.The method of any one of claims 1 to 4, wherein the cover of the electronic red envelope may be the first sub-file.

7.The method of any one of claims 1 to 6, wherein the contents of the electronic red envelope may be the second sub-file.

8.The method of claim 1, wherein the first computer server may be a bank server.

9.The method of claim 1, wherein the first computer server may be a financial institution server.

10.The method of claim 1, wherein the second computer server may be a bank server.

11.The method of claim 1, wherein the second computer server may be a financial institution server.

Date Recue/Date Received 2021-03-29