CA3224039A1

CA3224039A1 - Electronic certificate setting method, and data interaction processing method, device and system

Info

Publication number: CA3224039A1
Application number: CA3224039A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Also published as: CA2993027A1; WO2017011992A1

Abstract

Provided is an electronic certificate setting method in an electronic transaction, and a data interaction processing method, device and system, The method includes a first participant delivers a second request for resetting an issuing date to a Funds-Management server, after delivering a first request for issuing an electronic certificate; the Funds-Management server determines whether the reset issuing date meets a preset time range; if the reset issuing date is met with the preset time range, the Funds-Management server freezes balance amount in a designated account of the first participant to issue the electronic certificate when the reset issuing date arrived; the Funds-Management server issues the electronic certificate for the electronic transaction.

Description

2 PCT/CN2015/084558 Title: Electronic Certificate Setting Method, And Data Interaction Processing Method, Device And System [1] [Technical Field]
[2] The present invention relates to the field of online transaction technology, and in particular, to an electronic certificate setting method, a data interaction processing method, a device, and a system.

[3] [Background Technology]

[4] With the development of Internet technology, especially mobile Internet technology, the daily behaviour of users can theoretically be connected to the Internet through mobile devices using 2G, 3G, 4G or WiFi. Therefore, the network environment has advantages of offline incomparable in the aspect of convenient user life.

[5] For example, in E-commerce applications, the Internet connects traditional buyers, sellers, logistics, finance, etc. to form a network, electronic and informationization of the whole transaction process reduce the cost of the transaction and improve the transaction efficiency. However, the delivery methods used in the transaction of commodity still rely on the traditional methods of payment, bank transfer, and third-party payment.
The traditional methods of payment have some shortcomings. In the form of direct transfer between individuals, there is a great risk to the buyer because there is no constraint on a compulsory transaction after the buyer's transfer. The form of the third party payment pays the buyer's funds to the third party in advance. When the buyers and sellers conclude the transaction, the funds are frozen, so that the buyers and sellers lose their corresponding profits. Therefore, the payment methods used in E-commerce applications are simple in form and lack of personalized customization, so it is not flexible to make the payment method and payment time.

[6] Similarly, when a user interacts with other behaviours in a network environment, the user may also experience risks or affect the user experience due to the fact that the form of interactive data cannot be customized.

[7] [Summary of the Invention]

[8] The object of examples of the present invention is to provide an electronic certificate setting method, a data exchange processing method, a device and a system, which are beneficial to First Participant to arrange funds application reasonably and to improve experience, and also enrich the diversity of online transactions and enrich the transaction Date regue/Date received 2023-12-20 method.

[9] In order to solve the above technical problem, the first technical solution adopted by the examples of the present invention is: providing an electronic certificate setting method, including: After delivering the first request for establishing the electronic certificate to the Funds-Management server, the First Participant delivers a second request for resetting the opening date of the electronic certificate to the Funds-Management server, wherein the second request includes resetting the opening date of the electronic certificate; the first request includes the amount of the electronic certificate specified in the configuration;

[10] The Funds-Management server determines whether the reset opening date meets a predetermined setting condition;

[11] The Funds-Management server resets the opening date of the electronic certificate if the predetermined setting condition is met, and when the reset opening date is reached, the first request includes the same amount of funds or a credit equal to the amount included in the first request, and opens the electronic certificate.

[12] In order to solve the above technical problem, a second technical solution adopted by the examples of the present invention is to provide an electronic certificate setting method, where the method includes: After receiving the first request for delivering the electronic certificate delivered by the First Participant, the Funds-Management server receives a second request for resetting the electronic certificate opening date delivered by the First Participant, wherein the second request includes resetting the opening date of the electronic certificate; the first request includes the amount of the electronic certificate specified in the configuration;

[13] Determines whether the reset opening date meets a predetermined setting condition;

[14] The Funds-Management server resets the opening date of the electronic certificate if the predetermined setting condition is met, and when the reset opening date is reached, the first request includes the same amount of funds or a credit equal to the amount included in the first request, and opens the electronic certificate.

[15] Different from the exist technology, in the above example, First Participant may reset the opening date of the electronic certificate meeting the preset time range of the Funds-Management server according to its own needs, which facilitates the first participant to arrange the fund application reasonably and improve experience. And based on the strength and resilience of Funds-Management server, First Participant will be more self-disciplined to match the entire process and further reduce risk. In addition, the present invention also enriches the way of online transactions.

[16] In order to solve the above technical problem, a third technical solution adopted in an Date regue/Date received 2023-12-20 example of the present invention is to provide a data interaction method, where the method includes: after the first terminal delivers a first request for establishing a data certificate to a server, deliver a second request for resetting the data certificate opening date to the server, wherein the second request includes an opening date for resetting the data certificate; the first request includes a value for configuring the data certificate;

[17] The server determines whether the reset opening date meets a predetermined setting condition;

[18] The server resets the open date of the data certificate if the predetermined setting condition is met, and when the reset date is arrived, the permissions of data that are equal to the numerical value of the first terminal's data unit are locked, and the data certificate is generated.

[19] In order to solve the above technical problem, a fourth technical solution adopted in an example of the present invention is to provide a data interaction processing method, where the method includes: after the server receives the first request of the first terminal to open the data certificate, receives the second request for the reset data certificate issued by the first terminal, wherein the second request includes an opening date for resetting the data certificate; and the first request includes the value of the data certificate being configured.

[20] Determines whether the reset opening date meets a predetermined setting condition;

[21] The server resets the open date of the data certificate if the predetermined setting condition is met, and when the reset date is arrived, the permissions of data that are equal to the numerical value of the first terminal's data unit are locked, and the data certificate is generated.

[22] In order to solve the above technical problem, a fifth technical solution adopted in an example of the present invention is to provide a data interaction processing system, where the data interaction system includes a first terminal and a server, where the first terminal is used to: after the first terminal delivers a first request for establishing a data certificate to a server, deliver a second request for resetting the data certificate opening date to the server, wherein the second request includes an opening date for resetting the data certificate; the first request includes a value for configuring the data certificate;

[23] The server is used to determine whether the reset opening date meets a preset setting condition;

[24] The server is also used to reset an opening date of the data certificate when the reset opening date meets a preset setting condition, and when the reset date is arrived, the permissions of data that are equal to the numerical value of the first terminal's data unit are locked, and the data certificate is generated.

Date regue/Date received 2023-12-20

[25] In order to solve the above technical problem, a sixth technical solution adopted in the examples of the present invention is to provide a server, where the server includes a receiving module, a processing module, and an executing module, where the receiving module is used to receive the first request from the first terminal to open a data certificate, receiving a second request for resetting the data certificate opening date delivered by the first terminal, wherein the second request includes the opening date of the data certificate, and the first request includes a numeric value configured of the data certificate;

[26] The processing module is used to determine whether the reset opening date meets a preset setting condition;

[27] The execution module is used to when the reset date is conformed to the predetermined setting conditions, reset the opening date of the data certificate to lock the data in the data unit of the first terminal to the data that is equal to the value of the data certificate, and generate the data certificate.

[28] Different from the existing technology, in the above examples, the first terminal resets the valid data certificate opening date according to the user's requirement. The server locks the data unit of the first terminal to the same data as the numeric value, and opening the data certificate to the first terminal, which is beneficial to the overall arrangement and use of data in the first terminal, and to improve the utilization of data.

[29] [Brief Description]

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

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

[32] Figure 3 is a schematic flow chart of a data interaction processing method in example one of the present invention;

[33] Figure 4 is a schematic flow chart of a data interaction processing method in a another example of the present invention;

[34] Figure 5 is a schematic structural diagram of an example of a data interaction system according to the present invention;

[35] Figure 6 is a schematic structural diagram of an example of First Server according to the present invention.

[36] [Description of the Preferred Examples]

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

Date regue/Date received 2023-12-20

[38] The electronic certificate mentioned in this application refers to opening of a witness with his bank account or credit line (credit card amount or loan amount) as a guarantee, and the bank promised to settle the payment certificate according to the settlement conditions of electronic credit commitment, which is an Internet innovation basic financial instrument paid by bank credit commitment.

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

[40] 101: After delivering the first request for establishing the electronic certificate to the Funds-Management server, the First Participant delivers a second request for resetting the opening date of the electronic certificate to the Funds-Management server, wherein the second request includes resetting the opening date of the electronic certificate; the first request includes the amount of the electronic certificate specified in the configuration.

[41] Wherein, the Funds-Management server is usually set up in banks and other financial institutions.

[42] Wherein, electronic certificate means that the bank opens in the name of a bank (Funds-Management server in the present invention) based on the application of the issuer (First Participant of the present invention) for freezing funds or credit limit and p commit to comply with the agreement payment certificate of electronic credit commitment. The basic business process of electronic certificate: the issuing bank, according to the application of the opening witness, freeze the required amount of funds to open the electronic certificate, when the agreed condition for the settlement are reached, the issuing bank will settle the funds for payment and settlement.

[43] The first request also includes First Participant's identity information.

[44] In another example, the first request also includes the identity information of the Second Participant, which is charged for the corresponding fund or credit of the electronic certificate, for the Second Participant to receive. Understandably, in the E-commerce transaction, the First Participant is usually the purchaser, and the Second Participant is usually the provider. Wherein, the identity information of the Second Participant includes not only the account of the Second Participant, it include the identity information of the Second Participant, the contact phone number, the email address, the ID number and so on, and may also include a micro-signal, QQ and other social networking methods, which are not limited here.

[45] Specifically, after First Participant delivers the first request for opening the electronic certificate to the Funds-Management server, due to an unreasonable opening date set in the Date regue/Date received 2023-12-20 first request or other reasons, First Participant delivers to Funds-Management server a second request to reset the electronic certificate opening date. The second request includes an opening date for resetting the electronic certificate.

[46] Correspondingly, the Funds-Management server receives the first request and the second request.

[47] In another example, after receiving the first request, the Funds-Management server parses the first request, obtains the First Participant's identity information from the first request, and validates the First Participant's identity information to determine the validity of the First Participant's identity information. Specifically, to determine whether the identity information is true and valid, and whether there is a bad credit record, etc., in addition, the Funds-Management server may further determine whether the First Participant belongs to a special group according to the identity information of the First Participant, for example, if a minor is in a special group, the corresponding judgement conforms to the limit of the quota of the group, such as the limit of the amount of electronic certificate which the minors apply for, which is not limited to more than 2000.

[48] If the First Participant's identity information is real identity information, and the amount of the electronic certificate is in compliance, the Funds-Management server delivers a message to First Participant to open the electronic certificate.

[49] After receiving this message, First Participant delivers Funds-Management server a second request to reset the opening date of the electronic certificate.

[50] It should be noted that the First Participant may not deliver a second request to the Funds-Management server to reset the opening date of the electronic certificate only after receiving the message of the pm-open electronic certificate delivered by the Funds-Management server, The First Participant can also voluntarily deliver the second request to the Funds-Management server to reset the electronic certificate opening date, without being qualified.

[51] 102: the Funds-Management server determines whether the reset opening date meets a predetermined setting condition.

[52] The Funds-Management server receives the second request delivered by the First Participant, parses the second request, obtains the opening date to be reset, and further determines the validity of the opening date to be reset.

[53] Specifically, firstly, the Funds-Management server determines whether an electronic certificate based on the first request delivered by the First Participant has been opened or not, and if it has been opened, the second request for resetting the date of the opening date is an invalid request. Optionally, the Funds-Management server delivers the notification Date regue/Date received 2023-12-20 = WO 2017/011992 information to the First Participant, and may also give a First Participant suggestion in other examples, such as re-applying for establishing an electronic certificate, which is not limited herein. If the current electronic certificate has not been opened yet, the Funds-Management server determines whether the second request is real information, for example, if it is determined whether the second request is delivered by the Second Participant itself, after the information is confirmed to be true, it is further determined whether the reset opening date is within the valid time range, such as determining whether the second Participant is within a presset period or not.

[54] Further, the Funds-Management server also checks the opening date to be reset to determine whether it is within the preset time range, and if the reset opening date is not within the preset time range, in a preferred implementation mode, the Funds-Management server delivers a feedback message to the First Participant to remind the First Participant to reset the opening date, which is not limited herein.

[55] It should be noted that the determination steps and sequences of whether the pending reset date is valid are not limited to the above examples. In other examples, the process of determining whether the reset open date is valid and is all within the scope of the present invention, which is not limited herein.

[56] 103: If the reset opening date meets a preset setting condition, the Funds-Management server resets the opening date of the electronic certificate if the predetermined setting condition is met, and when the reset opening date is reached, the first request includes the same amount of funds or a credit equal to the amount included in the first request, and opens the electronic certificate.

[57] Specifically, after judgement, it is determined that the opening date of the reset is an effective opening date, Funds-Management server reset electronic certificate's opening date, when the date arrives, it is further determined whether the amount of the account funds or credit of the First Participant is not less than the amount of the electronic certificate. Wherein, the First Participant designated account is not limited to the account stored or opened by the Funds-Management server.

[58] If First Participant designated account funds or credit limit is not less than the amount of the electronic certificate, Funds-Management server freeze the account of First Participant in the specified account equal to the amount of the electronic certificate included in the first request or grant a credit equal to the amount included in the first request, and issue an electronic certificate. If the First Participant's designated account has a credit limit of less than the amount of the electronic certificate, the Funds-Management server delivers feedback information to the First Participant, which is not limited herein.

Date regue/Date received 2023-12-20

[59] Optionally, when the First Participant specifies that the account funds or credit line amount is not less than the amount of the electronic certificate, the Funds-Management server delivers pre-freeze information to First Participant. First Participant receives the pre-freeze information and determines whether to accept the frozen funds or credit when the quota is reached, the Funds-Management server delivers confirmation information responding to the pre-freeze information to the Funds-Management server. After receiving the confirmation information, the frozen First Participant account is equal to the amount of the first request, or the credit is equal to the amount included in the first request, and opens an electronic certificate. If the First Participant's response is not received within the target date, the request to open the electronic certificate will be invalidated.

[60] In the above example, the credit of the frozen funds or credits is the credit of the First Participant on the first Funds-Management server or other Funds-Management server or the credit given to the First Participant or the real property on which the First Participant is mortgaged funds.

[61] Of course, it is understandable that it is also possible to have accounts of other parties that are different from First Participant accounts.

[62] For example, the First Participant applies to the Funds-Management server for a first request for opening an electronic certificate of 100,000. Wherein, 20 days after the opening date included in the first request, First Participant finds that the opening date set in the current first request is not reasonable, a second request for resetting the opening date of the electronic certificate is delivered to the Funds-Management server, and the second request includes the opening date of 10 days that needs to be reset, the Funds-Management server receives the second request, two requests to determine whether the second request information itself is real information and determine whether the operation of resetting the opening date is within a prescribed period and also determine whether the reset opening date is within a valid time range. When all are satisfied, the further determination is made as to whether the amount of the account funds or credit limit of the First Participant is not less than 100,000 for the electronic certificate of application, if the current account amount or credit limit of First Participant is 300,000 or more than 100,000, Fund -Management server will freeze First Participant on the date of opening the account for 100,000 or 100,000 of credit, Opened electronic certificate with a quota of 100,000.

[63] Different from the exist technology, in the above examples, First Participant may freely reset the opening date of the electronic certificate within the specified conditions according to its own needs, which facilitates the first participant to arrange funds application and improve experience. And based on the strength and resilience of Funds-Management Date regue/Date received 2023-12-20 server, First Participant will be more self-disciplined to match the entire process and further reduce risk. In addition, the present invention also enriches the way of online transactions.

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

[65] 201: After receiving the first request for delivering the electronic certificate delivered by the First Participant, the Funds-Management server receives a second request for resetting the electronic certificate opening date delivered by the First Participant, wherein the second request includes resetting the opening date of the electronic certificate; the first request includes the amount of the electronic certificate specified in the configuration.

[66] Wherein, the Funds-Management server is usually set up in banks and other financial institutions.

[67] Wherein, electronic certificate means that the bank opens in the name of a bank (Funds-Management server in the present invention) based on the application of the issuer (First Participant of the present invention) for freezing funds or credit limit and p commit to comply with the agreement payment certificate of electronic credit commitment. The basic business process of electronic certificate: the issuing bank, according to the application of the opening witness, freeze the required amount of funds to open the electronic certificate, when the agreed condition for the settlement are reached, the issuing bank will settle the funds for payment and settlement. The request also includes First Participant's identity information.

[68] In another example, the request further includes obtaining the identity information of the Second Participant corresponding to the electronic certificate or the credit for facilitating the participation of the Second Participant in the funds or credit limit corresponding to the electronic certificate. Understandably, in the E-commerce transaction, the First Participant is usually the purchaser, and the Second Participant is usually the provider.
Wherein, the identity information of the Second Participant includes not only the account of the Second Participant, it include the identity information of the Second Participant, the contact phone number, the email address, the ID number and so on, and may also include a micro-signal, QQ and other social networking methods, which are not limited here.

[69] Specifically, the First Participant delivers a first request for opening an electronic certificate to the Funds-Management server, where the first request includes the opening date and amount of the electronic certificate. Due to an unreasonable opening date set in the first request or other reasons, First Participant delivers to Funds-Management server a second request to reset the electronic certificate opening date. The second request includes Date regue/Date received 2023-12-20 an opening date for resetting the electronic certificate.

[70] Correspondingly, the Funds-Management server receives the first request and the second request.

[71] In another example, after receiving the first request, the Funds-Management server parses the first request, obtains the First Participant's identity information from the first request, and validates the First Participant's identity information to determine the validity of the First Participant's identity information. Specifically, to determine whether the identity information is true and valid, and whether there is a bad credit record, etc., in addition, the Funds-Management server may further determine whether the First Participant belongs to a special group according to the identity information of the First Participant, for example, if a minor is in a special group, the corresponding judgement conforms to the limit of the quota of the group, such as the limit of the amount of electronic certificate which the minors apply for, which is not limited to more than 2000.

[72] If the First Participant's identity information is real identity information, and the amount of the electronic certificate is in compliance, the Funds-Management server delivers a message to First Participant to open the electronic certificate.

[73] After receiving this message, First Participant delivers Funds-Management server a second request to reset the opening date of the electronic certificate.

[74] It should be noted that the First Participant may not deliver a second request to the Funds-Management server to reset the opening date of the electronic certificate only after receiving the message of the pre-open electronic certificate delivered by the Funds-Management server, The First Participant can also voluntarily deliver the second request to the Funds-Management server to reset the electronic certificate opening date, without being qualified.

[75] 202: Determine whether the reset opening date meets a preset setting condition.

[76] The Funds-Management server receives the second request delivered by the First Participant, parses the second request, obtains the opening date to be reset, and further determines the validity of the opening date to be reset.

[77] Specifically, firstly, the Funds-Management server determines whether an electronic certificate based on the first request delivered by the First Participant has been opened or not, and if it has been opened, the second request for resetting the date of the opening date is an invalid request. Optionally, the Funds-Management server delivers the notification information to the First Participant, and may also give a First Participant suggestion in other examples, such as re-applying for establishing an electronic certificate, which is not limited herein. If the current electronic certificate has not been opened yet, the to Date regue/Date received 2023-12-20 = WO 2017/011992 Funds-Management server determines whether the second request is real information, for example, if it is determined whether the second request is delivered by the Second Participant itself, after the information is confirmed to be true, it is further determined whether the reset opening date is within the valid time range, such as determining whether the second Participant is within a preset period or not, which is not limited.

[78] Further, the Funds-Management server also detects the reset opening date to determine if it is within a preset time range, which is not limited herein. If the reset opening date is not within the preset time range, in a preferred implementation mode, the Funds-Management server delivers a feedback message to the First Participant to remind the First Participant to reset the opening date, which is not limited herein.

[79] It should be noted that the determination steps and sequences of whether the pending reset date is valid are not limited to the above examples. In other examples, the process of determining whether the reset open date is valid and is all within the scope of the present invention, which is not limited herein.

[80] 203: If the reset opening date meets a preset setting condition, the Funds-Management server resets the opening date of the electronic certificate if the predetermined setting condition is met, and when the reset opening date is reached, the first request includes the same amount of funds or a credit equal to the amount included in the first request, and opens the electronic certificate.

[81] Specifically, after judgement, it is determined that the opening date of the reset is an effective opening date, Funds-Management server reset electronic certificate's opening date, when the date arrives, it is further determined whether the amount of the account funds or credit of the First Participant is not less than the amount of the electronic certificate. Wherein, the First Participant designated account is not limited to the account stored or opened by the Funds-Management server.

[82] If First Participant specifies that the account funds or credits be not less than the amount of the electronic certificate, Funds-Management server will freeze funds in the First Participant's designated account equal to the amount of the electronic certificate included in the first request, The first request includes a credit of equal amount and issue electronic certificate to First Participant. If the First Participant's designated account has a credit limit of less than the amount of the electronic certificate, the Funds-Management server delivers feedback information to the First Participant, which is not limited herein.

[83] Optionally, when the First Participant specifies that the account funds or credit line amount is not less than the amount of the electronic certificate, the Funds-Management server delivers pre-freeze information to First Participant. First Participant receives the pre-freeze Date regue/Date received 2023-12-20 = WO 2017/011992 information and determines whether to accept when the quota is reached, the Funds-Management server delivers confirmation information responding to the pre-freeze information to the Funds-Management server. After receiving the confirmation information, the frozen First Participant account is equal to the amount of the first request, or the credit is equal to the amount included in the first request, and opens an electronic certificate. If the First Participant's response is not received within the target date, the request to open the electronic certificate will be invalidated.

[84] In the above example, the credit of the frozen funds or credits is the credit of the First Participant on the first Funds-Management server or other Funds-Management server or the credit given to the First Participant or the real property on which the First Participant is mortgaged funds.

[85] Of course, it is understandable that it is also possible to have accounts of other parties that are different from First Participant accounts.

[86] Different from the exist technology, in the above examples, First Participant may freely reset the opening date of the electronic certificate within the specified conditions according to its own needs, which facilitates the first participant to arrange funds application and improve experience. And based on the strength and resilience of Funds-Management server, First Participant will be more self-disciplined to match the entire process and further reduce risk. In addition, the present invention also enriches the way of online transactions.

[87] Please refer to Figure 3, Figure 3 is a schematic flow chart of third example of a data interaction processing method according to the present invention. The data interaction processing method in this example includes the following steps:

[88] 301: After the first terminal delivers a first request for establishing a data certificate to a server, deliver a second request for resetting the data certificate opening date to the server, wherein the second request includes an opening date for resetting the data certificate; the first request includes a value for configuring the data certificate.

[89] The data certificate is opened by the server based on the application of the first terminal and the amount of data in the data unit of the first terminal is locked.

[90] The request also includes identification information of the first terminal.

[91] In another example, the request also includes identification information of the second terminal for data certificate interaction so as to facilitate the server to implement data interaction between the first terminal and the second terminal.

[92] Specifically, after the first terminal sends the first request for the data certificate to the server, because the opening date of the first terminal user setting is not reasonable, the first terminal delivers second requests to the server to reset the data certificate opening date, Date regue/Date received 2023-12-20 =
wherein, the second request includes an opening date for resetting the data certificate.

[93] Correspondingly, the server receives the first request and the second request.

[94] In another example, after receiving the first request, the server parses the identification information of the first terminal to determine whether the identification information is valid information, and if the identification information is valid information, and value of data certificate conforms to the requirement that the server delivers a pre-generated information for the data certificate to the first terminal.

[95] After receiving the information, the first terminal delivers a second request for resetting the data certificate opening date to the server according to the user requirement.

[96] 302: the server determines whether the reset opening date meets a preset setting condition.

[97] The server receives the second request delivered by the first terminal, parses the second request, obtains the opening date to be reset, and further determines whether the opening date to be reset meets the predetermined setting condition. It should be noted that the opening date to be reset is the opening date of the reset data certificate included in the second request.

[98] Specifically, firstly, the server determines whether a data certificate based on the first request has been generated, and if it has been generated, the second request of the first terminal to reset the opening date is invalid. Optionally, the server delivers the notification information to the first terminal. In other examples, the server may also provide the first terminal user suggestion. For example, re-apply for establishing a data certificate, which is not limited herein. If the current data certificate has not been generated yet, the server determines whether the second request is real information. After the confirmation is true, the server further determines whether the reset opening date is in compliance with the regulation, such as whether it is within a specified period or not. Further, it is further determined whether the opening date to be reset is within a preset time range.
If the opening date to be reset is not within the preset time range, in a preferred implementation, the server delivers the first terminal feedback information to remind the first terminal user to reset the opening date, which is not limited herein.

[99] It should be noted that, the determination procedure and the sequence of whether the reset opening date is valid by the server are not limited to the above examples. In other examples, the process of determining whether the reset open date is valid and is all within the scope of the present invention, which is not limited herein.

[100] 303: The server resets the open date of the data certificate if the predetermined setting condition is met, and when the reset date is arrived, the permissions of data that are equal to the numerical value of the first terminal's data unit are locked, and the data certificate is Date regue/Date received 2023-12-20 generated.

[101] Specifically, when the server is determined to determine the date of opening of the reset data certificate to be valid, the server resets the data certificate opening date, and when the date arrives, the server further determines whether the numerical value of the data in the data unit of the first terminal is not less than the size of the data included in the first request, if not, the server locks the value in the first terminal data unit that is equal to the value included in the request data permissions, and generate the data certificate.

[102] Optionally, when the value of the data of the data unit of the first terminal is not less than the numerical value included in the first request, the server delivers a pre-lock information to the first terminal, the first terminal receives the pre-lock information, and when the first terminal user accepts the pre-lock information, the first terminal delivers a confirmation information to the server in response to the pre-lock information, and the server receives the confirmation information and locks the data in the data unit included in the first terminal with the first request data of equal size and generate the data certificate.

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

[104] For example, the first terminal is User A and the server is User B. User B is an administrator for more than one client, with a corresponding password for each client for administrator privileges, and for each client, the corresponding level of importance for administrator rights is different. Clients can be personal computers, tablets, smart phones and other devices that can exchange data with servers through the network. For example, the first client is a company server, the second client is a tablet, and the third client is a personal computer. User A delivers a first request for establishing a data certificate to User B, where the data certificate includes an opening date and a numerical value of the first data corresponding to the data certificate, where the first data is a password that requests the administrator rights of one of the clients. For example, User A requests User B for the password of the administrator of the third client. User A needs to reset the opening date, and then delivers to User B a second request for resetting the data certificate opening date, where the second request includes the reset opening date.

[105] When receiving the second request, the User B determines whether the opening date is a valid opening date, and when the opening date is confirmed, User B determines whether the administrator of the second client of current user A is not less than the administrator rights of the requesting third client and when it is determined that the management authority of the third client is not lower than the third client, User A
grants administrator privileges to the third client. That is, User A will not be able to use the corresponding Date regue/Date received 2023-12-20 password to manage the third client.

[106] Further, the requested data may also be text data, audio data, video data, program data or financial data in the financial field. If the data is capital data, such as funds, then the first terminal user is First Participant, and the server is Funds-Management server, for example, the bank. If it is audio data, such as a song, the first terminal may be a client having a multimedia playing function, such as a mobile phone, and the server is a music website server.

[107] Different from the existing technology, in the above examples, the first terminal resets the valid data certificate opening date according to the user's requirement. The server locks the data unit of the first terminal to the same data as the numeric value, and opening the data certificate, which is beneficial to the overall arrangement and use of data in the first terminal, and to improve the utilization of data.

[108] Please refer to Figure 4, Figure 4 is a schematic flow chart of another example of a data interaction processing method according to the present invention. The data interaction processing method in this example includes the following steps:

[109] 401: After receiving the first request for delivering the data certificate delivered by the first terminal, the server receives the second request for resetting the data certificate opening date delivered by the first terminal, wherein the second request includes an opening date for resetting the data certificate; the first request includes a value for configuring the data certificate.

[110] The data certificate is opened by the server based on the application of the first terminal and the amount of data in the data unit of the first terminal is locked.

[111] The request also includes identification information of the first terminal.

[112] In another example, the request also includes identification information of the second terminal for data certificate interaction so as to facilitate the server to implement data interaction between the first terminal and the second terminal.

[113] Specifically, after the first terminal sends the first request for the data certificate to the server, because the opening date of the first terminal user setting is not reasonable, the first terminal delivers second requests to the server to reset the data certificate opening date, wherein, the second request includes an opening date for resetting the data certificate.

[114] Correspondingly, the server receives the first request and the second request.

[115] In another example, after receiving the first request, the server parses the identification information of the first terminal to determine whether the identification information is valid information, and if the identification information is valid information, and value of data certificate conforms to the requirement that the server delivers a pre-generated information Date regue/Date received 2023-12-20 for the data certificate to the first terminal.

[116] After receiving the information, the first terminal delivers a second request for resetting the data certificate opening date to the server according to the user requirement.

[117] Correspondingly, the server receives the second request.

[118] 402: Determine whether the reset opening date meets a preset setting condition.

[119] The server receives the second request delivered by the first terminal, parses the second request, obtains the opening date to be reset, and further determines the validity of the opening date with reset.

[120] Specifically, firstly, the server determines whether a data certificate based on the first request has been generated, and if it has been generated, the second request of the first terminal to reset the opening date is invalid. Optionally, the server delivers the notification information to the first terminal. In other examples, the server may also provide the first terminal user suggestion. For example, re-apply for establishing a data certificate, which is not limited herein. If the current data certificate has not been generated yet, the server determines whether the second request is real information. After the confirmation is true, the server further determines whether the operation of resetting the opening date is in compliance with the stipulation, such as whether it is within a specified period or not.
Further, it is further determined whether the opening date to be reset is within a preset time range. If the opening date to be reset is not within the preset time range, in a preferred implementation, the server delivers the first terminal feedback information to remind the first terminal user to reset the opening date, which is not limited herein.

[121] It should be noted that, the determination procedure and the sequence of whether the reset opening date is valid by the server are not limited to the above examples. In other examples, the process of determining whether the reset open date is valid and is all within the scope of the present invention, which is not limited herein.

[122] 403: If a preset setting condition is met, the server resets the open date of the data certificate, and when the reset date is arrived, the permissions of data that are equal to the numerical value of the first terminal's data unit are locked, and the data certificate is generated.

[123] Specifically, when the server is determined to determine the date of opening of the reset data certificate to be valid, the server resets the data certificate opening date, and when the date arrives, the server further determines whether the numerical value of the data in the data unit of the first terminal is not less than the size of the data included in the first request, if not, the server locks the value in the first terminal data unit that is equal to the value included in the request data permissions, and generate the data certificate.

Date regue/Date received 2023-12-20

[124] Optionally, when the value of the data of the data unit of the first terminal is not less than the numerical value included in the first request, the server delivers a pre-lock information to the first terminal, the first terminal receives the pre-lock information, and when the first terminal user accepts the pre-lock information, the first terminal delivers a confirmation information to the server in response to the frozen information, and the server receives the confirmation information and locks the data in the data unit included in the first terminal with the first request data of equal size and generate the data certificate.

[125] Further, the requested data may also be text data, audio data, video data, program data or financial data in the financial field. If the data is capital data, such as funds, then the first terminal user is First Participant, and the server is Funds-Management server, for example, the bank. If it is audio data, such as a song, the first terminal may be a client having a multimedia playing function, such as a mobile phone, and the server is a music website server.

[126] Different from the existing technology, in the above example, after the server has been resetting data certificate in the first terminal to lock the data of data size corresponding to data certificate in the first terminal data unit, generate data certificate, making the first terminal reset according to user requirements in accordance with the server the preset date range data certificate issued, it is conducive to the first terminal to the overall arrangement and the use of data, improve the utilization rate of the data.

[127] Please refer to Figure 5, Figure 5 is a schematic structural diagram of an example of a data interaction processing system according to the present invention. Each device included in the data interaction processing system in this example is used to execute each step in the example corresponding to Figure 3. Specifically, refer to the examples corresponding to Figure 3 and Figure 3, and details are not described herein again. The data interaction system in this example includes a first terminal 501 and a server 502.

[128] The first terminal 501 is used to deliver a first request for opening the data certificate to the server 502, and then deliver a second request for resetting the data certificate opening date to the server 502, where the second request Including resetting an opening date of the data certificate; the first request includes setting a value of the data certificate;

[129] The server 502 is used to determine whether the reset opening date meets a preset setting condition;

[130] The server 502 is also used to reset an opening date of the data certificate when the reset opening date meets a preset setting condition, and when the reset date is arrived, the permissions of data that are equal to the numerical value of the first terminal 501's data unit are locked, and the data certificate is generated.

Date regue/Date received 2023-12-20

[131] Different from the existing technology, in the above examples, the first terminal resets the valid opening date according to the user's requirement. The server locks the data unit of the first terminal to the same data as the numeric value, and opening the data certificate, which is beneficial to the overall arrangement and use of data in the first terminal user, and to improve the utilization of data.

[132] Please refer to Figure 6, Figure 6 is a schematic structural diagram of an example of a server according to the present invention. Each module included in the server in this example is used to execute each step in the example corresponding to Figure 4.
For details, refer to the examples corresponding to Figure 4 and Figure 4, and details are not described herein again. The server includes: a receiving module 601, a processing module 602, and an executing module 603.

[133] The receiving module 601 is used to receive a first request for delivering the data certificate delivered by the first terminal, the server receives the second request for resetting the data certificate opening date delivered by the first terminal, wherein the second request includes an opening date for resetting the data certificate;
the first request includes a value for configuring the data certificate;

[134] The processing module 602 is used to determine whether the reset opening date meets a preset setting condition;

[135] The execution module 603 is used to when the reset date is conformed to the predetermined setting conditions, reset the opening date of the data certificate to lock the data in the data unit of the first terminal to the data that is equal to the value of the data certificate, and generate the data certificate.

[136] Different from the existing technology, in the above example, after the server has been resetting opening data in the first terminal to lock the data of data size corresponding to data certificate in the first terminal data unit, generate data certificate, making the first terminal reset according to user requirements in accordance with the server the preset date range data certificate issued, it is conducive to the first terminal to the overall arrangement and the use of data, improve the utilization rate of the data.

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

Baat 11-StuutiteRrecAvig3FOA5- V-2 0

Claims

Claims:

1. A computer implemented method for setting an electronic certificate in an electronic transaction, the method comprising:
a first participant delivers a second request for resetting an issuing date to a Funds-Management server, after delivering a first request for issuing an electronic certificate, wherein the second request includes a reset issuing date of the electronic certificate, wherein the first request includes an amount of funds of the electronic certificate, identity information of a second participant corresponding to the electronic certificate, and identity information of the first participant;
the Funds-Management server determines whether the reset issuing date meets a preset time range when receiving the second request for resetting the issuing date of the electronic certificate;
if the reset issuing date is met within the preset time range and the identity information of the first participant is verified valid, the Funds-Management server freezes balance amount in a designated account of the first participant to issue the electronic certificate when the reset issuing date arrived, wherein the balance amount is equal to the amount of the funds of the first request for issuing the electronic certificate;
the Funds-Management server issues the electronic certificate for the electronic transaction; and wherein if the reset issuing date is not met within the preset time range, the Funds-Management server delivers a feedback message to the first participant to remind the first participant to reset the issuing date.

2. The method of claim 1 further includes that the Funds-management server determines whether the balance amount in the designated account of the first participant is sufficient, which is compared with the amount of the funds of the first request for issuing the electronic certificate.

Date regue/Date received 2023-12-20

3. The method of claim 1 further includes that the Funds-management server determines whether an amount of funds in a credit loan limit in the designated account of the first participant is sufficient, which is compared with the amount of the funds of the first request for issuing the electronic certificate.

4. The method of any one of claims 1 to 3, wherein when the balance amount is less than the amount of funds of the request, the Funds-Management server freezes a corresponding amount of funds in a credit loan limit in the designated account of the first participant.

5. The method of any one of claims 1 or 4 further includes that the Funds-Management server receives response information for responding notification information for pre-freezing funds from the first participant when the Funds-management server delivering the notification information for pre-freezing funds to the first participant.

6. The method of any one of claims 1 to 5, wherein the first request for issuing the electronic certificate also includes the identity information of the first participant.

7. The method of claim 6, wherein the identity information includes account information of the first participant.

8. The method of any one of claims 6 to 7, wherein the identity information includes contact information of the first participant.

9. The method of any one of claims 6 to 8, wherein the identity information includes an ID number of the first participant.

10. The method of any one of claims 6 to 9, wherein the identity information includes a social network account of the first participant.

11. The method of claim 1 further includes:
the Funds-Management server determines whether identity information of the first participant is valid; and Date regue/Date received 2023-12-20 the Funds-Management server delivers a notification for pre-issuing the electronic transaction to the first participant.

12. The method of any one of claims 1 to 11, wherein the electronic certificate is issued by a financial institution based on the balance amount or a credit loan limit as a margin in a first participant's financial account.

13. A computer implemented method for setting an electronic certificate in an electronic transaction, applied in a funds-management server, the method comprising:
receiving a second request for resetting an issuing date, after receiving a first request for issuing an electronic certificate, wherein the second request includes a reset issuing date of the electronic certificate, wherein the first request includes an amount of funds of the electronic certificate, identity information of a second participant corresponding to the electronic certificate, and identity information of the first participant;
determining whether the reset issuing date meets a preset time range; and if the reset issuing date is met within the preset time range and the identity information of the first participant is verified valid, freezing balance amount in a designated account of the first participant to issue the electronic certificate, when the reset issuing date anived, wherein the balance amount is equal to the amount of the funds of the first request for issuing the electronic certificate;
issuing the electronic certificate for the electronic transaction; and wherein if the reset issuing date is not met within the preset time range, delivering a feedback message to the first participant to remind the first participant to reset the issuing date.

14. The method of claim 13 further includes determining whether the balance amount in the designated account of the first participant is sufficient, which is compared with the amount of the funds of the first request for issuing the electronic certificate.

Date regue/Date received 2023-12-20

15. The method of claim 13 further includes determining whether an amount of funds in a credit loan limit in the designated account of the first participant is sufficient, which is compared with the amount of the funds of the first request for issuing the electronic certificate.

16. The method of any one of claims 13 to 15, wherein when the balance amount is less than the amount of funds of the request, freezing a corresponding amount of funds in a credit loan limit in the designated account of the first participant.

17. The method of any one of claims 13 or 16 further includes receiving response information for responding notification information for pre-freezing funds from the first participant when delivering the notification information for pre-freezing funds to the first participant.

18. The method of any one of claims 13 to 17, wherein the first request for issuing the electronic certificate also includes identity information of the first participant.

19. The method of claim 18, wherein the identity information includes account information of the first participant.

20. The method of any one of claims 18 to 19, wherein the identity information includes contact information of the first participant.

21. The method of any one of claims 18 to 20, wherein the identity information includes an ID number of the first participant.

22. The method of any one of claims 18 to 21, wherein the identity information includes a social network account of the first participant.

23. The method of claim 13 further includes:
determining whether identity information of the first participant is valid;
and delivering a notification for pre-issuing the electronic transaction to the first participant.

Date regue/Date received 2023-12-20

24. The method of any one of claims 13 to 23, wherein the electronic certificate is issued by a financial institution based on the balance amount or a credit loan limit as a margin in a first participant's financial account.

25. A computer system of data interaction processing in an electronic transaction, the system comprising:
a first terminal configured to deliver a second request for resetting an issuing date to a server, after delivering a first request for issuing an electronic certificate, wherein the second request includes a reset issuing date of the electronic certificate, wherein the first request includes an amount of funds of the electronic certificate, identity information of a second participant corresponding to the electronic certificate, and identity information of the first participant;
a server configured to:
determine whether the reset issuing date meets a preset time range, when receiving the second request for resetting the issuing date of a data certificate;
if the reset issuing date is met within the preset time range and the identity information of the first terminal is verified valid, lock a data value in a designated data unit of the first terminal to issue the data certificate when the reset issuing date arrived, wherein the data value in the designated data unit is equal to the data value for the funds in the first request for issuing the data certificate;
issue the data certificate for the electronic transaction; and wherein if the reset issuing date is not met within the preset time range, deliver a feedback message to the first terminal to remind the first terminal to reset the issuing date.

26. The system of claim 25, wherein the server is further configured to determine whether the data value in the designated data unit of the first terminal is sufficient, which is compared with the data value of the first request for issuing the data certificate.

Date regue/Date received 2023-12-20

27. The system of claim 25, wherein the server is further configured to receive response information for responding notification information for pre-locking the data value from the first terminal when the server delivering the notification information for pre-locking the data value to the first terminal.

28. The system of any one of claims 25 to 27, wherein the first request for issuing the data certificate also includes the identity information of the first terminal.

29. The system of claim 28, wherein the identity information includes data unit information of the first terminal.

30. The system of any one of claims 28 to 29, wherein the identity information includes contact information of the first terminal.

31. The system of any one of claims 28 to 30, wherein the identity information includes an ID number of the first terminal.

32. The system of any one of claims 28 to 31, wherein the identity information includes a social network data unit of the first terminal.

33. The system of claim 25, wherein the server is further configured to:
determine whether identity information of the first terminal is valid; and deliver a notification for pre-issuing the electronic transaction to the first terminal.

34. A computer implemented method of data interaction processing in an electronic transaction, the method comprising:
a first terminal delivers a second request for resetting an issuing date to a server, after delivering a first request for issuing a data certificate, wherein the second request includes a reset issuing date of the data certificate, wherein the first request includes an amount of funds of the electronic certificate, identity information of a second participant corresponding to the electronic certificate, and identity information of the first participant;

Date regue/Date received 2023-12-20 the server determines whether the reset issuing date meets a preset time range when receiving the second request for resetting the issuing date of the data certificate;
if the reset issuing date is met within the preset time range and the identity information of the first terminal is verified valid, the server resets the date for issuing the data certificate and freezes a data value in a designated data unit of the first terminal to issue the data certificate when the reset issuing date arrived, wherein the data value are equal to the data value of the first request for issuing the data certificate;
the server issues the data certificate for the electronic transaction; and wherein if the reset issuing date is not met within the preset time range, the server delivers a feedback message to the first terminal to remind the first terminal to reset the issuing date.

35. The method of claim 34 further includes that the server determines whether the data value in the designated data unit of the first terminal is sufficient, which is compared with the data value of the first request for issuing the data certificate.

36. The method of any one of claims 34 to 35 further includes that the server receives response information for responding notification information for pre-locking from the first terminal when the server delivering the notification information for pre-locking data value to the first terminal.

37. The method of any one of claims 34 to 36, wherein the first request for issuing the data certificate also includes the identity information of the first terminal.

38. The method of claim 37, wherein the identity information includes data unit information of the first temiinal.

39. The method of any one of claims 37 to 38, wherein the identity infommtion includes contact information of the first temiinal.

40. The method of any one of claims 37 to 39, wherein the identity infommtion includes an ID number of the first temiinal.
Date regue/Date received 2023-12-20

41. The method of any one of claims 37 to 40, wherein the identity information includes a social network account of the first terminal.

42. The method of claim 34 further includes:
the server determines whether identity information of the first terminal is valid; and the server delivers a notification for pre-issuing the data transaction to the first terminal.

43. A computer implemented method of data interaction processing in an electronic transaction, applied in a server, the method comprising:
receiving a second request for resetting an issuing date of a data transaction, after receiving a first request for issuing a data certificate, wherein the second request includes a reset issuing date of the data certificate, wherein the first request includes an amount of funds of the electronic certificate, identity information of a second participant corresponding to the electronic certificate, and identity information of the first participant;
determining whether the reset issuing date meets a preset time range; and if the reset issuing date is met within the preset time range and the identity information of the first terminal is verified valid, resetting the date for issuing the data transaction;
locking the data value in a designated data unit of the first terminal to issue the data certificate when the reset issuing date anived, wherein the data value is equal to the data value of the first request for issuing the data certificate;
issuing the data certificate for the electronic transaction; and wherein if the reset issuing date is not met within the preset time range, delivering a feedback message to the first terminal to remind the first terminal to reset the issuing date.

Date regue/Date received 2023-12-20

44. The method of claim 43 further includes determining whether the data value in the designated data unit of the first terminal is sufficient, which is compared with the data value of the first request for issuing the data certificate.

45. The method of claim 43 further includes receiving response information for responding notification information for pre-locking the data value from the first terminal when the server delivering the notification information for pre-locking the data value to the first terminal.

46. The method of any one of claims 43 to 45, wherein the first request for issuing the data certificate also includes the identity information of the first terminal.

47. The method of claim 46, wherein the identity information includes data unit information of the first terminal.

48. The method of any one of claims 46 to 47, wherein the identity infommtion includes contact information of the first temiinal.

49. The method of any one of claims 46 to 48, wherein the identity infommtion includes an ID number of the first temiinal.

50. The method of any one of claims 46 to 49, wherein the identity infommtion includes a social network data unit of the first temiinal.

51. The method of claim 43 further includes:
determining whether identity information of the first terminal is valid; and delivering a notification for pre-issuing the electronic transaction to the first terminal.

52. A computer server of data interaction processing in an electronic transaction, the server comprising:

Date regue/Date received 2023-12-20 a receiving module configured to receive a second request for resetting an issuing date of a data transaction, after delivering a first request for issuing a data certificate, wherein the second request includes a reset issuing date of the data certificate, wherein the first request includes a data value of the data certificate, identity information of a second terminal corresponding to the data certificate, and identity information of a first terminal;
a processing module configured to:
determine whether the reset issuing date meets a preset time range, when receiving the request for resetting the issuing date of the data transaction ;
an executing module configured to:
if the reset issuing date is met within the preset time range and the identity information of the first terminal is verified valid, reset the date for issuing the data certificate;
lock the data value in a designated data unit of the first terminal to issue the data certificate when the reset issuing date arrived, wherein the data value is equal to the data value of the first request for issuing the data certificate;
issue the data certificate for the electronic transaction; and wherein if the reset issuing date is not met within the preset time range, deliver a feedback message to the first terminal to remind the first terminal to reset the issuing date.

53. The server of claim 52, wherein the processing module is further configured to determine whether the data value in the designated data unit of the first terminal is sufficient, which is compared with the data value of the first request for issuing the data certificate.

54. The server of claim 52 wherein the receiving module is further configured to receive response information for responding notification information for pre-locking the data value from the first terminal when the server delivering the notification information for pre-locking the data value to the first terminal.

Date regue/Date received 2023-12-20

55. The server of any one of claims 52 to 54, wherein the first request for issuing the data certificate also includes identity information of the first terminal.

56. The server of claim 55, wherein the identity information includes data unit information of the first terminal.

57. The server of any one of claims 55 to 56, wherein the identity information includes contact information of the first terminal.

58. The server of any one of claims 55 to 57, wherein the identity information includes an ID number of the first terminal.

59. The server of any one of claims 55 to 58, wherein the identity information includes a social network data unit of the first terminal.

60. The server of claim 52, wherein the processing module is further configured to determine whether identity information of the first terminal is valid.

Date regue/Date received 2023-12-20