CN103605469A - Data information interaction method and system - Google Patents

Data information interaction method and system Download PDF

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Publication number
CN103605469A
CN103605469A CN201310644174.7A CN201310644174A CN103605469A CN 103605469 A CN103605469 A CN 103605469A CN 201310644174 A CN201310644174 A CN 201310644174A CN 103605469 A CN103605469 A CN 103605469A
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China
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user
exchange
data
information
database
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CN201310644174.7A
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Chinese (zh)
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蒋韧
陈锐
陈松
毛志远
詹卓
马锋
陈洁
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交通银行股份有限公司
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Priority to CN201310644174.7A priority Critical patent/CN103605469A/en
Publication of CN103605469A publication Critical patent/CN103605469A/en

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Abstract

The invention discloses a data information interaction method and system. The method includes the steps that a first platform server used for allowing a first user and a second user to conduct information interaction transmits data information needing to be exchanged between the first user and the second user to a second platform server after it is determined that the first user needs to establish a data information exchange relation with the second user; when it is confirmed that the first user has exchange capacity after the second platform server receives the data information needing to be exchanged, the second user is instructed to start data information exchange; after the second platform server receives the instruction of the first user to start data information exchange, the data information needing to be exchanged of the first user is exchanged to the second user. By the adoption of the data information interaction method and system, due to the fact that only a necessary data information interaction link is reserved in the data information interaction scheme, the security and immediacy of data information interaction can be improved.

Description

数据信息交互方法及系统 Method and system for interactive data

技术领域 FIELD

[0001] 本发明涉及数据处理技术领域,尤其涉及一种数据信息交互方法及系统。 [0001] The present invention relates to data processing technology, and in particular, to a method and system for interactive data.

背景技术 Background technique

[0002] 随着电子商务的发展,特别是020 (Online To Off line)业务模式的提出,越来越多的人选择网上购物,网上消费,因此,构建一个安全规范快捷的支付体系具有极其重大的现实意义。 [0002] With the development of electronic commerce, especially proposed 020 (Online To Off line) business model, more and more people choose online shopping, online spending, therefore, to build a safe and efficient payment system specification is extremely important practical significance. 目前人们主要采用第三方支付平台实现消费者和商家之间的资金流转。 There is now mainly uses the third-party payment platform to achieve cash flow between consumers and businesses. 图1为020业务模式下的交易流程示意图,如图1所示,在消费过程中,买卖双方通过网上交互平台达成交易意向后,消费者下订单并将货款从其银行账户划转到其第三方支付账户,第三方支付将消费者已付款信息通知商家,商家收到通知后按照订单发送货物或提供服务,消费者确认收货后通知第三方支付,第三方支付将货款划入商家的第三方支付账户中,商家再从其第三方支付账户中将资金提现到其银行账户。 Figure 1 is a schematic flow diagram of the transactions under the 020 business model, shown in Figure 1, in the consumption process, buyers and sellers through the online interactive platform deal intention, under customer order and payment from a bank account to transfer its party payment account, the consumer has to pay third-party payment information to inform businesses, the merchant receives the notification sent to order goods or services, the consumer an acknowledgment of receipt of third party payment, third party payment of the purchase price assigned to business party payment account, businesses will have to pay third-party funds from their accounts to their bank account withdrawals.

[0003] 但是,在目前的第三方支付方式上述流程中,存在如下不足: [0003] However, in the current third-party payment above process, the following defects:

[0004] 1、消费者需要开通第三方支付账户,并将自己的银行账户信息同第三方支付账户关联,存在信息安全隐患,在消费过程中需要将银行账户资金转入第三方支付账户,产生不便。 [0004] 1, consumers need to open a third-party payment account, and your bank account information with an unrelated third party payment account, there is information security risks, need to be transferred to a third-party payment account in the consumption process bank account funds, resulting in inconvenient.

[0005] 2、商家在消费者确认收货后,所收到的货款仍然停留在其第三方支付账户中,需要商家提现才可转入自己银行账户,时效性上存在一定缺陷。 [0005] 2, after the consumer loan business to confirm receipt, received still remain in their third-party payment account, businesses need to withdraw cash before into their own bank accounts, there are some defects in timeliness.

[0006] 3、第三方支付公司自身的资质、信誉和安全问题。 [0006] 3, third-party payment company's own qualifications, credibility and security issues. 同时,第三方支付缺乏对消费者和商家的信誉评判基础,无法针对风险交易进行事前事后处理,缺乏约束力。 At the same time, the lack of third-party payment for consumers and businesses to judge the credibility of the foundation, not ex ante risk for post-processing transactions, the lack of binding.

发明内容 SUMMARY

[0007] 本发明实施例提供了一种数据信息交互方法,用以提高的数据信息交互的安全性以及即时性,该方法包括: [0007] Example embodiments provide a method of the present invention, interactive data, security and real-time data to increase interaction, the method comprising:

[0008] 用于供第一用户与第二用户进行信息交互的第一平台服务器,在确定第一用户需与第二用户建立数据信息交换关系后,将第一用户与第二用户需交换的数据信息传输给第二平台服务器; [0008] for allowing a first user to the first server platform for information exchange with a second user, after determining a first user needs to establish a data exchange relationship with a second user, the first user and the second user needs to exchange data information is transmitted to the second internet server;

[0009] 第二平台服务器在接收到需交换的数据信息后,当确认第一用户具备交换能力时,指示第二用户开始进行数据信息交换; [0009] The second internet server after receiving the data exchange required, when the user is provided with a first acknowledgment exchange capacity, indicating that the second user starts data exchange;

[0010] 第二平台服务器在接收到第一用户指示开始进行数据信息交换后,将第一用户的需交换的数据信息交换到第二用户。 After the [0010] second internet server receiving the first user instruction to start the data exchange of information, data will be exchanged for an exchange of the first user to the second user.

[0011] 一个实施例中,第二平台服务器确认第一用户具备交换能力,是根据存储用户信息的数据库中的记录确定的。 [0011] In one embodiment, the second platform server acknowledgment includes a first user exchange capacity, it is determined according to the user information database storing records in.

[0012] 一个实施例中,该方法进一步包括: [0012] In one embodiment, the method further comprising:

[0013] 在第一用户与第二用户进行信息交互时,向第一用户和/或第二用户提供数据库中第一用户和/或第二用户的记录。 [0013] When the first user and the second user interaction information, providing a first user and / or the second user to the first user record in the database and / or the second user. [0014] 一个实施例中,该方法进一步包括: [0014] In one embodiment, the method further comprising:

[0015] 对数据库中存储的用户进行分类,以及确定各类别对应的数据信息交换方式; [0015] The user stored in the database are classified, and each class is determined corresponding to data exchange;

[0016] 第二平台服务器根据第一用户所属的类别,确定将第一用户的需交换的数据信息交换到第二用户的交换方式。 [0016] The second category according to the first internet server user belongs, the exchange data determining the required information exchange the first user to the second user's exchange.

[0017] 一个实施例中,该方法进一步包括: [0017] In one embodiment, the method further comprising:

[0018] 根据第一用户与第二用户的数据信息交换情况更新数据库中第一用户与第二用户的用户信息。 [0018] updates the database with the first user and the second user according to the user information of the first user and the second user data exchange situation.

[0019] 本发明实施例还提供了一种数据信息交互系统,用以提高的数据信息交互的安全性以及即时性,该系统包括: [0019] Embodiments of the present invention further provides a data information exchange system, security and real-time data to increase interaction, the system comprising:

[0020] 第一平台服务器,用于供第一用户与第二用户进行信息交互,在确定第一用户需与第二用户建立数据信息交换关系后,将第一用户与第二用户需交换的数据信息传输给第二平台服务器; [0020] The first server platform, for allowing the first user to exchange information with a second user, the first user after determining the need to establish data exchange relationship with a second user, the first user and the second user needs to exchange data information is transmitted to the second internet server;

[0021] 第二平台服务器,用于在接收到需交换的数据信息后,当确认第一用户具备交换能力时,指示第二用户开始进行数据信息交换;在接收到第一用户指示开始进行数据信息交换后,将第一用户的需交换的数据信息交换到第二用户。 [0021] The second platform server, after receiving a data exchange required, when the user is provided with a first acknowledgment exchange capacity, indicating that the second user starts data exchange; indicating receipt of the first user data starts after the information exchange, the exchange of data required to exchange a first user to a second user.

[0022] 一个实施例中,该系统进一步包括: [0022] In one embodiment, the system further comprising:

[0023] 数据库,用于存储用户信息; [0023] database for storing user information;

[0024] 第二平台服务器进一步用于根据数据库中的记录确认第一用户具备交换能力。 [0024] The second internet server is further confirmed in the database for recording user provided according to a first exchange capacity.

[0025] 一个实施例中,数据库进一步用于在第一用户与第二用户进行信息交互时,向第一用户和/或第二用户提供数据库中第一用户和/或第二用户的记录。 [0025] In one embodiment, the database is further configured to exchange information with the first user and the second user, providing a first user and / or the second user to the first user record in the database and / or the second user.

[0026] 一个实施例中,数据库进一步用于对数据库中存储的用户进行分类,以及确定各类别对应的数据信息交换方式; [0026] In one embodiment, the database for the user is further stored in the database are classified, and each class is determined corresponding to data exchange;

[0027] 第二平台服务器进一步用于根据第一用户所属的类别,确定将第一用户的需交换的数据信息交换到第二用户的交换方式。 [0027] Further according to the second internet server category belongs to the first user, the exchange data determining the required information exchange the first user to the second user's exchange.

[0028] 一个实施例中,数据库进一步用于根据第一用户与第二用户的数据信息交换情况更新数据库中第一用户与第二用户的用户信息。 [0028] In one embodiment, the database is further configured to update the database of the first user and the second user according to the user information of the first user and the second user data exchange situation.

[0029] 本发明实施例中,由于在该数据信息交互方案中仅保留了必要的数据信息交互环节,因而可以使得数据信息的交互在安全性以及即时性上得到提高。 Embodiment [0029] of the present invention, since the information exchange program data retained only necessary data information exchange links, so that it is possible to improve the interaction data to obtain information on the safety and timeliness.

附图说明 BRIEF DESCRIPTION

[0030] 为了更清楚地说明本发明实施例或现有技术中的技术方案,下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍,显而易见地,下面描述中的附图仅仅是本发明的一些实施例,对于本领域普通技术人员来讲,在不付出创造性劳动的前提下,还可以根据这些附图获得其他的附图。 [0030] In order to more clearly illustrate the technical solutions in the embodiments or the prior art embodiment of the present invention, briefly introduced hereinafter, embodiments are described below in the accompanying drawings or described in the prior art needed to be used in describing the embodiments the drawings are only some embodiments of the present invention, those of ordinary skill in the art is concerned, without creative efforts, can derive from these drawings other drawings. 在附图中: In the drawings:

[0031] 图1为现有技术中的020业务模式下的交易流程示意图; [0031] FIG. 1 is a transaction flow in the prior art schematic model 020 of business;

[0032] 图2为本发明实施例中的数据信息交互方法实施流程示意图; [0032] Fig 2 a schematic embodiment of the data flow information interaction method in the embodiment of the present invention;

[0033] 图3为本发明实施例中的网上交互平台、信用库和交易平台关系示意图; [0033] FIG. 3 is a schematic embodiment of the online interactive platform, credit and trading platform library relationships embodiment of the present invention;

[0034] 图4为本发明实施例中的优质客户交易实施流程示意图; [0034] FIG. 4 schematic flowchart of an embodiment of the high customer transactions embodiment of the invention;

[0035] 图5为本发明实施例中的一般客户交易实施流程示意图;[0036] 图6为本发明实施例中的数据信息交互系统结构示意图。 [0035] Figure 5 is a schematic embodiment of the general client transaction flow embodiment of the present invention; [0036] FIG. 6 is a schematic data structure of the information exchange system of the embodiment of the present invention.

具体实施方式 Detailed ways

[0037] 为使本发明实施例的目的、技术方案和优点更加清楚明白,下面结合附图对本发明实施例做进一步详细说明。 [0037] The object of the present invention embodiment, technical solutions and advantages clearer, further detailed description, taken in conjunction with the embodiments of the present invention below. 在此,本发明的示意性实施例及其说明用于解释本发明,但并不作为对本发明的限定。 In this exemplary embodiment of the present invention are used to explain the present invention but are not intended to limit the present invention.

[0038] 本发明实施例中提供了一种数据信息交互方法,可以供银行等作为支付系统使用,在该数据信息交互系统中,仅保留了必要的数据信息交互环节,使得数据信息的交互在安全以及即时性上得到提高,当用作支付系统时,可以解决现有第三方支付平台中存在的若干缺陷,实现消费者的无忧支付,商家的无忧收款。 [0038] The embodiment provides an interactive data information exchange method of the present invention may be used as payment for the banking system, the information exchange system data, retaining only the necessary data information exchange links, so that the data in the information real-time security and improved on, when used as a payment system that can solve several shortcomings in the existing third-party payment platform exists, consumers achieve worry-free payment, worry-free business receivables. 具体说来,在整个交易过程中,消费者无需在第三方支付平台申请个人账户,更不需要将自己银行账户资金转移到第三方账户。 Specifically, the entire transaction process, consumers do not need to pay personal account in a third-party application platform, but do not need a bank account to transfer own funds to third party accounts. 商家也不需要在第三方支付平台申请账户,货款直接进入商家的银行账户中,当信用等级达到一定程度时,可以享受货物发出时即可得到货款的服务。 Businesses do not need to pay a third-party application platform accounts, payment directly to the merchant's bank account, when the credit rating reaches a certain level, you can enjoy the purchase price of the goods can be obtained by issuing services.

[0039] 下面进行具体说明。 [0039] Next will be specifically described.

[0040] 图2为数据信息交互方法实施流程示意图,如图2所示,可以包括如下步骤: [0040] FIG. 2 is a schematic flow chart of the method of interactive data, shown in Figure 2, may comprise the steps of:

[0041] 步骤201、用于供第一用户与第二用户进行信息交互的第一平台服务器,在确定第一用户需与第二用户建立数据信息交换关系后,将第一用户与第二用户需交换的数据信息传输给第二平台服务器; [0041] Step 201, for allowing a first user to the first server platform for information exchange with a second user, after determining a first user needs to establish a data exchange relationship with a second user, the first user and the second user for an exchange of data transmitted to the second internet server;

[0042] 步骤202、第二平台服务器在接收到需交换的数据信息后,当确认第一用户具备交换能力时,指示第二用户开始进行数据信息交换; [0042] Step 202, the second server platform after receiving the data exchange required, when the user is provided with a first acknowledgment exchange capacity, indicating that the second user starts data exchange;

[0043] 步骤203、第二平台服务器在接收到第一用户指示开始进行数据信息交换后,将第一用户的需交换的数据信息交换到第二用户。 [0043] Step 203, the second internet server indicating receipt of the first user data is started after the exchange, the exchange of data required to exchange a first user to a second user.

[0044] 实施中,第二平台服务器确认第一用户具备交换能力,是根据存储用户信息的数据库中的记录确定的。 [0044] In embodiments, the second platform server acknowledgment includes a first user exchange capacity, is determined according to the user information database storing records in.

[0045] 实施中,还可以进一步包括:在第一用户与第二用户进行信息交互时,向第一用户和/或第二用户提供数据库中第一用户和/或第二用户的记录。 [0045] In embodiments, it may further comprise: a first user when a second user interaction with the information, providing a first user and / or the second user to the first user record in the database and / or the second user.

[0046] 实施中,还可以进一步包括: [0046] In embodiments, it may further comprise:

[0047] 对数据库中存储的用户进行分类,以及确定各类别对应的数据信息交换方式; [0047] The user stored in the database are classified, and each class is determined corresponding to data exchange;

[0048] 第二平台服务器根据第一用户所属的类别,确定将第一用户的需交换的数据信息交换到第二用户的交换方式。 [0048] The second category according to the first internet server user belongs, the exchange data determining the required information exchange the first user to the second user's exchange.

[0049] 实施中,还可以进一步包括: [0049] In embodiments, it may further comprise:

[0050] 根据第一用户与第二用户的数据信息交换情况更新数据库中第一用户与第二用户的用户信息。 [0050] updates the database with the first user and the second user according to the user information of the first user and the second user data exchange situation.

[0051] 为便于理解,下面以数据信息交互方法在银行支付系统中的使用实例进行说明。 [0051] For ease of understanding, the following data exchanging method in Example bank payment systems will be described.

[0052] 为更好地理解,将第一平台服务器、第二平台服务器、存储用户信息的数据库构成的实体环境称为无忧支付平台,则无忧支付平台共有三大部分组成:网上交互平台(即第一平台服务器),信用库(即存储用户信息的数据库)和交易平台(即第二平台服务器)。 [0052] In order to better understand the physical environment of the first database server platform, the second platform server, storage, user information is referred to as worry-free payment platform, then worry-free payment platform consists of three major components: the online interactive platform (ie, the first server platform), credit libraries (ie database to store user information) and trading platforms (ie, the second platform server). 其中交易平台是基础与核心,直接决定支付的成败,其中参与实施的第一用户与第二用户分别为消费者和商家。 Which is the foundation and core trading platform, directly determines the success or failure of payment, which participate in the implementation of the first user and the second user are consumers and businesses. 则在实例中:[0053] 1、网上交互平台:消费者和商家的交互平台;商家可发布各类商户或服务信息;消费者提交购买意愿,也即进行信息交互;并可在线评价本次交易对象的信用情况。 In the examples: [0053] 1, interactive online platform: interactive platform for consumers and businesses; businesses can publish all kinds of business or service information; consumer submits willingness to buy, that exchange information; and online evaluation of this creditworthiness of trading partners.

[0054] 2、信用库:信用评价模型,判别商户和消费者信用等级,也即对数据库中存储的用户进行分类。 [0054] 2, libraries credit: credit evaluation model, businesses and consumers determine credit ratings, that is stored in the database for the user to classify. 实例中,信用库中的分类为定义三大信用等级:优质客户,一般客户,风险客户。 Example, credit repository to define the three major credit rating classification: high-quality customers, the average customer, risk customers.

[0055] 3、交易平台:整个支付系统的核心与主体,用于接收网上交互平台消费者的订单以及支付授权信息,也即接收需交换的数据信息;根据信用库中用户的信息决定消费者的付费模式,商家的收款方式,也即数据信息交换方式。 [0055] 3, trading platforms: core and the entire body of payment systems, online interactive platform for consumers to receive orders and payment authorization information, that receives data to be exchanged; decision based on consumer credit database of user information the payment model, merchant payment, that is, data information exchange. 直接与商家和消费者所在金融机构交互,实现资金的流转,完成整个支付过程。 Interact directly with the financial institution where businesses and consumers realize the transfer of the money to complete the entire payment process.

[0056] 在数据信息交换方式中,可设: [0056] In the data exchange mode, it can be set:

[0057] 消费者的付费模式有两种:无忧担保支付和交易金额冻结支付。 [0057] Consumers paid in two modes: worry-free guarantee payment and transaction amount to freeze pay. 无忧担保支付是指消费者银行账户资金在提交订单与收到商品之前无变化。 Worry-free guarantee payment of funds from bank accounts means that consumers no change before submitting an order and receive the goods. 冻结交易金额是指消费者提交订单后,冻结其银行账户中的交易金额。 After freezing the transaction amount is the consumer submits an order to freeze the transaction amount in their bank accounts.

[0058] 商家的收款方式有三种:实时到账,准实时到账,T+1到账。 [0058] merchant payment in three ways: real-time arrival, near real-time arrival, T + 1 arrival. 实时到账是指商家将货物交付消费者后,货款实时转入商家银行账户中。 Real-time arrival means that businesses will after delivery of goods to consumers, real-time payment into the merchant's bank account. 准实时是指货物交付后,由消费者确认后,货款转入商家银行账户。 Near real-time refers to the delivery of the goods, after confirmation by the consumer money transfer business bank account. T+1到账是指消费者确认收到商品日期的下一日。 T + 1 arrival means that consumers acknowledge receipt of the goods the next day's date.

[0059] 图3为网上交互平台,信用库和交易平台关系示意图,如图3所示,网上交互平台,信用库和交易平台相互依赖,形成一个完整的闭环,共同完成完善的支付关系网。 [0059] FIG. 3 is the online interactive platform, libraries and credit trading platform relationship diagram shown in Figure 3, the online interactive platform, libraries and credit trading platform interdependent, form a complete closed-loop, perfect together to complete payment networks.

[0060] 1、网上交互平台与信用库、交易平台的关系: [0060] 1, interactive online platform relationships with credit libraries, trading platform:

[0061] 信用库:网上交互平台可以读取信用库中交易对象的信用信息,供交易双方查询;同时,在交易过程中,交易双方均可以评价对方的信用情况,网上交互平台将评价信息推送至信用库。 [0061] Credit libraries: Online interactive platform can read credit information database credit transaction object, a query for both parties; the same time, in the transaction process, the two companies can be evaluated each other's credit, the online interactive platform will evaluate the information push credit to the library.

[0062] 交易平台:网上交互平台将消费者的订单信息同步至交易平台。 [0062] Trading Platform: Online interactive platform will synchronize the consumer's order information to trading platform.

[0063] 2、交易平台与网上交互平台、信用库的关系: [0063] 2, the relationship between the online trading platform interactive platform, credit libraries:

[0064] 网上交互平台:交易平台将交易结果推送给网上交互平台,供交易对象查询。 [0064] online interactive platform: trading platform trading results will be pushed to the online interactive platform for transaction object query.

[0065]信用库:交易平台接收信用库中客户的信用信息,决定消费者的付费模式和商家的收款方式。 [0065] Library Credit: credit trading platform to receive credit information database of customers, consumers decided to pay the merchant model and form of payment. 当消费者是优质客户时,采用无忧担保支付方式;是一般客户时,采用冻结交易金额支付方式;是风险客户时,拒绝交易。 When consumers are quality customers, the use of worry-free guarantee of payment; when the customer is generally used to freeze the transaction amount of payment; when risk customers, refusals to deal. 商家和消费者均是优质客户时,商家货款实时到账;商家是优质客户时,货款准实时到账;商家是一般客户时,货款T+1到账。 When businesses and consumers are high-quality customers, business loans in real-time arrival; business is high-quality customers, payment quasi real-time arrival; general business is the customer, payment T + 1 arrival.

[0066] 下面对其实施的方式进行实例说明。 [0066] The following examples of its embodiments will be described.

[0067] 图4为优质客户交易实施流程示意图,如图4所示,包括如下步骤: [0067] FIG. 4 is a schematic flow diagram of embodiments of quality of customer transactions, shown in Figure 4, comprising the steps of:

[0068] 步骤401、消费者可在网上交互平台发布需求信息,或者商家在网上交互平台发布商品或者服务信息。 [0068] In step 401, the consumer can demand information posted online interactive platform, or goods or services businesses publish information online interactive platform. 在交互过程中,网上交互平台可以为消费者和商家提供对方的交易信息用情况,交易双方可根据交互情况和信用情况,达成最终的购买意向。 During the interaction, the online interactive platform to provide other transaction information for consumers and businesses with the situation, parties to the transaction can be depending on the interaction and the credit situation, to reach a final purchase intent.

[0069] 步骤402、消费者在网上交互平台提交订单信息。 [0069] Step 402, consumers submit orders online information exchange platform. 网上交互平台会将交易双方的意愿信息同步给交易平台,即间接将消费者的支付授权信息发送给交易平台。 The two sides willingness to online information exchange platform will be synchronized to transactions trading platform, which will be sent an indirect message to the consumer's payment authorization trading platform.

[0070] 步骤403、交易平台在接收到消费者的订单后,会根据信用库中客户信息,确定客户等级。 [0070] In step 403, trading platform after receiving the customer orders, based on credit database of customer information, determine the customer level. 若为优质客户,则执行后续流程。 If it is high-quality customers, the implementation of the follow-up process.

[0071] 步骤404、交易平台向商家发送“发货通知”。 [0071] Step 404, trading platform sends a "delivery notice" to the business. [0072] 步骤405、商家接收到通知后,进行货物配送。 [0072] Step 405, after receiving the notification merchant, for cargo delivery.

[0073] 步骤406、消费者受到货物后,确认收货。 [0073] Step 406, after consumers receive the goods, to confirm receipt.

[0074] 步骤407、交易系统接收到消费者收货确认后,会向消费者所在的金融机构发送支付授权信息。 After the [0074] Step 407, the transaction system receives confirmation of receipt to the consumer, where the financial institution will send a payment authorization information to consumers. 即向发卡行要求扣款。 Ie debit card issuer requirements.

[0075] 步骤408、消费者所在金融机构将扣款确认信息发送给交易系统。 [0075] Step 408, the financial institution where the consumer will be charged confirmation information to the trading system.

[0076] 步骤409、无忧支付平台向商家所在金融机构进行资金划拨。 [0076] In step 409, hassle-free payment platform transfer of funds to the merchant where financial institutions. 至此,整个交易主体完成。 At this point, the whole body is completed.

[0077] 实施中,信用库还可以对一次交易情况进行分析和评估,更新用户的信用信息;交易双方也可在网上交互平台对本次交易进行评价。 [0077] implementation, the credit libraries can also be the case for a transaction analysis and assessment, updating the user's credit information; parties to the transaction may also be evaluated this transaction online interactive platform.

[0078] 图5为一般客户交易实施流程示意图,如图5所示,包括如下步骤: [0078] FIG. 5 is a schematic flow diagram of a general embodiment of customer transactions, shown in Figure 5, comprising the steps of:

[0079] 步骤501、消费者可在网上交互平台发布需求信息,或者商家在网上交互平台发布商品或者服务信息。 [0079] Step 501, the consumer can demand information posted online interactive platform, or goods or services businesses publish information online interactive platform. 在交互过程中,网上交互平台可以为消费者和商家提供对方的交易信息用情况,交易双方可根据交互情况和信用情况,达成最终的购买意向。 During the interaction, the online interactive platform to provide other transaction information for consumers and businesses with the situation, parties to the transaction can be depending on the interaction and the credit situation, to reach a final purchase intent.

[0080] 步骤502、消费者在网上交互平台提交订单信息。 [0080] Step 502, consumers submit orders online information exchange platform. 网上交互平台会将交易双方的意愿信息同步给交易平台,即间接将消费者的支付授权信息发送给交易平台。 The two sides willingness to online information exchange platform will be synchronized to transactions trading platform, which will be sent an indirect message to the consumer's payment authorization trading platform.

[0081] 步骤503、交易平台在接收到消费者的订单后,会根据信用库中客户信息,确定客户等级。 [0081] In step 503, trading platform after receiving the customer orders, based on credit database of customer information, determine the customer level. 若为一般客户,则执行后续流程。 If the general customers, the implementation of the follow-up process.

[0082] 步骤504、无忧支付平台向消费者所在的金融机构发送“资金冻结”请求。 [0082] Step 504, hassle-free payment platform to financial institutions where consumers send "freezing of funds" request. 即冻结消费者本次交易所需的资金。 That is the freezing of funds needed for the transaction of consumers.

[0083] 步骤505、消费者所在金融机构将冻结确认信息发送给无忧支付平台。 [0083] Step 505, the financial institution where the consumer will send information to confirm the freeze worry-free payment platform.

[0084] 步骤506、交易平台向商家发送“发货通知”。 [0084] Step 506, trading platform sends a "delivery notice" to the business.

[0085] 步骤507、商家接收到通知后,进行货物配送。 [0085] Step 507, after receiving the notification merchant, for cargo delivery.

[0086] 步骤508、消费者受到货物后,确认收货。 [0086] Step 508, after consumers receive the goods, to confirm receipt.

[0087] 步骤509、交易系统接收到消费者收货确认后,会向消费者所在的金融机构发送支付授权信息。 After the [0087] Step 509, the transaction system receives confirmation of receipt to the consumer, where the financial institution will send a payment authorization information to consumers. 即向发卡行要求扣款。 Ie debit card issuer requirements.

[0088] 步骤510、消费者所在金融机构将扣款确认信息发送给交易系统。 [0088] Step 510, the financial institution where the consumer will be charged confirmation information to the trading system.

[0089] 步骤511、无忧支付平台向商家所在金融机构进行资金划拨。 [0089] Step 511, hassle-free payment platform transfer of funds to the merchant where financial institutions. 至此,整个交易主体完成。 At this point, the whole body is completed.

[0090] 实施中,信用库还可以对一次交易情况进行分析和评估,更新用户的信用信息;交易双方也可在网上交互平台对本次交易进行评价。 [0090] implementation, the credit libraries can also be the case for a transaction analysis and assessment, updating the user's credit information; parties to the transaction may also be evaluated this transaction online interactive platform.

[0091] 在上述实施方案中,网上互动平台在实施时可以采用互联网网站,也可以采用各类即时通讯工具,例如QQ,MSN等,用户商家或者消费在其上发布信息。 [0091] In the above embodiments, the interactive online platform can be used in the implementation of Internet sites that can be used all kinds of instant messaging tools such as QQ, MSN, users retailer or consumer information posted on it. 信用库主要用于判别用户的等级信息,具体实施时各个金融机构可以根据无忧支付平台中定义的系统接口,各自自定义信用等级。 Credit rating information database is mainly used for determining the user's individual financial institutions can worry-free payment platform system interface defined in the credit rating of each custom specific implementation.

[0092] 基于同一发明构思,本发明实施例中还提供了一种数据信息交互系统,由于该系统解决问题的原理与数据信息交互方法相似,因此该系统的实施可以参见对应方法的实施,重复之处不再赘述。 [0092] Based on the same inventive concept, an embodiment of the present invention further provides a data information exchange systems, since the principle of the system is similar to the problem with the method for data information exchange, so the implementation of the system can be found in the corresponding method embodiment, repeated the Department will not repeat them.

[0093] 图6为数据信息交互系统结构示意图,如图6所示,系统中可以包括: [0093] FIG. 6 is a schematic view of the interactive information system configuration data, as shown in FIG. 6, the system may comprise:

[0094] 第一平台服务器601,用于供第一用户与第二用户进行信息交互,在确定第一用户需与第二用户建立数据信息交换关系后,将第一用户与第二用户需交换的数据信息传输给第二平台服务器; [0094] The first server platform 601, for a first user to exchange information with the second user, the first user after determining the need to establish data exchange relationship with a second user, the first user and the second user for an exchange data information is transmitted to the second internet server;

[0095] 第二平台服务器602,用于在接收到需交换的数据信息后,当确认第一用户具备交换能力时,指示第二用户开始进行数据信息交换;在接收到第一用户指示开始进行数据信息交换后,将第一用户的需交换的数据信息交换到第二用户。 [0095] The second internet server 602, after receiving a data exchange required, when the user is provided with a first acknowledgment exchange capacity, indicating that the second user starts data exchange; indicating a first user starts receiving after data exchange, the exchange of data required to exchange a first user to a second user.

[0096] 一个实施例中,还可以进一步包括: [0096] An embodiment may further comprise:

[0097] 数据库603,用于存储用户信息; [0097] database 603, for storing user information;

[0098] 第二平台服务器进一步可以用于根据数据库中的记录确认第一用户具备交换能力。 [0098] The second platform may be used to record the database server is further confirmation of the user is provided with a first exchange capacity.

[0099] 一个实施例中,数据库可以进一步用于在第一用户与第二用户进行信息交互时,向第一用户和/或第二用户提供数据库中第一用户和/或第二用户的记录。 [0099] In one embodiment, the database may be further configured to, when a first user interaction and the second user information, the database provides the first user and / or recording of the second user to the first user and / or the second user .

[0100] 一个实施例中,数据库可以进一步用于对数据库中存储的用户进行分类,以及确定各类别对应的数据信息交换方式; [0100] In one embodiment, the database may be further stored in the database for the user is classified, and each class is determined corresponding to data exchange;

[0101] 第二平台服务器可以进一步用于根据第一用户所属的类别,确定将第一用户的需交换的数据信息交换到第二用户的交换方式。 [0101] The second internet server may be further adapted based on the type of the first user belongs, the exchange data determining a first user to a second user needs to exchange the exchange.

[0102] 一个实施例中,数据库可以进一步用于根据第一用户与第二用户的数据信息交换情况更新数据库中第一用户与第二用户的用户信息。 [0102] In one embodiment, the database may further be used to update the database of the first user and the second user according to the user information of the first user and the second user data exchange situation.

[0103] 由上述实施例的说明可知,当本发明提供的技术方案供银行等作为支付系统使用时,提供一种全新的安全无忧支付体验。 [0103] apparent from the above described embodiment, when the aspect of the present invention provides a payment system for banks, provide a new payment experience is secure. 在整个支付过程中,消费者的资金无需转移到第三方支付账户中,消除了所有鸡蛋全部放在第三方这个篮子中的隐患,给消费者提供更大便利。 In the entire payment process, consumers do not need to transfer funds to a third party payment account, eliminating all eggs entirely on third-party risks in this basket, to provide consumers with greater convenience. 消费者和商家的信用等级体系构建,将线上虚拟交易信用记录与现实中信用体系相关联。 Consumers and businesses to build a credit rating system, the online virtual trading credit history and the reality of the credit system is associated. 利用现有信用记录控制交易双方资金流转方式,并将交易结果产生的信用记录更新到现实信用记录中。 The use of existing credit record way to control parties to the transaction cash flow, credit history and transaction result to update the real credit record. 容易看出,该方案会成为一种新的网上收单业务模式,将对消费者、商家以及银行等各方带来极大的好处。 Easy to see that the program will become a new online acquiring business model, it will bring great benefits consumers, merchants and banks and other parties.

[0104] 首先,对于消费者而言,简化交易流程,解除必需第三方账户的限制,只需要有张银行卡即可随心所欲进行网上消费;更为重要的是,个人资金在整个交易过程中,一直处于自己的银行账户中,直到收到货物后,方才发生资金转移,极大地保证了消费者在网上购物过程中的资金安全。 [0104] First of all, for consumers, simplifying the transaction process, the lifting of restrictions required third-party account, only to have bank cards can be arbitrary conduct online consumer; more importantly, personal funds in the entire transaction process, has been in their bank accounts until after receipt of the goods, money transfers had just occurred, greatly ensure the financial security of consumers in the online shopping process.

[0105] 其次,对于商家而言,改变了以往货款到账依赖于第三方机构的方式,更打消对第三方资质的担忧。 [0105] Second, for businesses, changes in the past rely on third party payment credited into account the way, but also to dispel concerns about third-party qualification. 由于有银行做担保,可以保证在合规的条件下,货款的及时入账。 Because banks as collateral, guarantees under the conditions of compliance, timely payment accounted for.

[0106] 最后,对于银行而言,将促进收单业务和发卡业务的发展。 [0106] Finally, for the banks, it will promote the development of acquiring business and issuing business. 由于无忧支付平台来源于银行,当商家的开户银行和消费者的开卡银行是同一家时,银行还可以提供更优质的服务,例如客户无需冻结资金,商户可以实时得到货款等。 Because of worries payment platform from the bank when the merchant's bank and the consumer's bank card to open the same when a bank can provide better service, for example, customers do not need to freeze the funds, businesses can get real-time payment and so on. 这必将促进更多的商户和持卡人入驻银行。 This will promote more merchants and cardholders settled Bank.

[0107] 本领域内的技术人员应明白,本发明的实施例可提供为方法、系统、或计算机程序产品。 [0107] skilled in the art should understand that the embodiments of the present invention may provide a method, system, or computer program product. 因此,本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。 Thus, embodiments of the present invention may be employed entirely hardware embodiment, an entirely software embodiment, or an embodiment in conjunction with the form of software and hardware aspects. 而且,本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。 Further, the present invention may take the form of a computer program product embodied in one or more of which comprises a computer usable storage medium having computer-usable program code (including but not limited to, disk storage, CD-ROM, optical memory, etc.). [0108] 本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。 [0108] The present invention has been described in accordance with the method of Example of the present invention, apparatus (systems) and computer program products flowchart and / or block diagrams described. 应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。 It should be understood and implemented by computer program instructions and block, and the flowchart / or block diagrams each process and / or flowchart illustrations and / or block diagrams of processes and / or blocks. 可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器,使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。 These computer program instructions may be provided to a processor a general purpose computer, special purpose computer, embedded processor or other programmable data processing apparatus to produce a machine, such that the instructions executed by the processor of the computer or other programmable data processing apparatus generating in a device for implementing the flow chart or more flows and / or block diagram block or blocks in a specified functions.

[0109] 这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中,使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品,该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。 [0109] These computer program instructions may also be stored in a computer can direct a computer or other programmable data processing apparatus to function in a particular manner readable memory produce an article of manufacture such that the storage instruction means comprises a memory in the computer-readable instructions the instruction means implemented in a flowchart or more flows and / or block diagram block or blocks in a specified function.

[0110] 这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上,使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理,从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。 [0110] These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps on the computer or other programmable apparatus to produce a computer implemented so that the computer or other programmable apparatus execute instructions to provide processes for implementing a process or flows and / or block diagram block or blocks a function specified step.

[0111] 以上所述的具体实施例,对本发明的目的、技术方案和有益效果进行了进一步详细说明,所应理解的是,以上所述仅为本发明的具体实施例而已,并不用于限定本发明的保护范围,凡在本发明的精神和原则之内,所做的任何修改、等同替换、改进等,均应包含在本发明的保护范围之内。 [0111] The foregoing specific embodiments of the object, technical solutions, and advantages of the invention will be further described in detail, should be understood that the above descriptions are merely embodiments of the present invention, it is not intended to limit the scope of the present invention, all within the spirit and principle of the present invention, any changes made, equivalent substitutions and improvements should be included within the scope of the present invention.

Claims (10)

1.一种数据信息交互方法,其特征在于,该方法包括:用于供第一用户与第二用户进行信息交互的第一平台服务器,在确定第一用户需与第二用户建立数据信息交换关系后,将第一用户与第二用户需交换的数据信息传输给第二平台服务器;第二平台服务器在接收到需交换的数据信息后,当确认第一用户具备交换能力时,指示第二用户开始进行数据信息交换;第二平台服务器在接收到第一用户指示开始进行数据信息交换后,将第一用户的需交换的数据信息交换到第二用户。 An interactive data, characterized in that, the method comprising: for a first user and a second user to the first server platform for information exchange in determining the need to establish a first user and a second user data information exchange after data transfer relationship, the first user and the second user to the second exchange for an internet server; a second internet server after receiving the data exchange required, when the user is provided with a first acknowledgment exchange capacity, indicating that the second user starts data exchange; internet server after the second instruction to start data exchange for receiving the first user, the need to exchange data exchanging a first user to a second user.
2.如权利要求1所述的方法,其特征在于,第二平台服务器确认第一用户具备交换能力,是根据存储用户信息的数据库中的记录确定的。 2. The method according to claim 1, wherein the second internet server acknowledgment includes a first user exchange capacity, it is determined according to the user information database storing records in.
3.如权利要求2所述的方法,其特征在于,进一步包括:在第一用户与第二用户进行信息交互时,向第一用户和/或第二用户提供数据库中第一用户和/或第二用户的记录。 The method according to claim 2, characterized in that, further comprising: a first user when a second user interaction with the information provided in the database of the first user and / or to the first user and / or the second user recording second user.
4.如权利要求2所述的方法,其特征在于,进一步包括:对数据库中存储的用户进行分类,以及确定各类别对应的数据信息交换方式;第二平台服务器根据第一用户所属的类别,确定将第一用户的需交换的数据信息交换到第二用户的交换方式。 4. The method according to claim 2, characterized in that, further comprising: a database stored in the user classification, and determining each class corresponding to the data exchange; internet server according to the second category belong to the first user, exchange data determining a first user to a second user needs to exchange the exchange.
5.如权利要求1至4任一所述的方法,其特征在于,进一步包括:根据第一用户与第二用户的数据信息交换情况更新数据库中第一用户与第二用户的用户信息。 5. The method according to any of claims 1-4 1, characterized in that, further comprising: updating the database of the first user and the second user according to the user information of the first user and the second user data exchange situation.
6.一种数据信息交互系统,其特征在于,包括:第一平台服务器,用于供第一用户与第二用户进行信息交互,在确定第一用户需与第二用户建立数据信息交换关系后,将第一用户与第二用户需交换的数据信息传输给第二平台服务器;第二平台服务器,用于在接收到需交换的数据信息后,当确认第一用户具备交换能力时,指示第二用户开始进行数据信息交换;在接收到第一用户指示开始进行数据信息交换后,将第一用户的需交换的数据信息交换到第二用户。 An interactive information system data, characterized by comprising: a first server platform, for allowing the first user and the second user interaction information, after determining the need to establish a first user data exchange relationship with a second user the data transmission of the first user and the second user to the second exchange for an internet server; a second platform server, after receiving a data exchange required, when the user is provided with a first acknowledgment exchange capacity, an indication of two user starts data exchange; after receiving an instruction to start a first user data information exchange, the exchange of data required to exchange a first user to a second user.
7.如权利要求6所述的系统,其特征在于,进一步包括:数据库,用于存储用户信息;第二平台服务器进一步用于根据数据库中的记录确认第一用户具备交换能力。 7. The system according to claim 6, characterized in that, further comprising: a database for storing user information; internet server is further used for recording a second database comprising user confirmation according to a first exchange capacity.
8.如权利要求7所述的系统,其特征在于,数据库进一步用于在第一用户与第二用户进行信息交互时,向第一用户和/或第二用户提供数据库中第一用户和/或第二用户的记录。 8. The system according to claim 7, wherein, when the database is further configured to exchange information with the first user the second user, providing a first database and the user to the first user and / or the second user / or recording the second user.
9.如权利要求7所述的系统,其特征在于,数据库进一步用于对数据库中存储的用户进行分类,以及确定各类别对应的数据信息交换方式;第二平台服务器进一步用于根据第一用户所属的类别,确定将第一用户的需交换的数据信息交换到第二用户的交换方式。 9. The system according to claim 7, characterized in that the database stored in the database is further configured to classify users, and determining each class corresponding to the data exchange; further server platform for a second user according to a first category belongs, the exchange data determining a first user needs to exchange information to the second user's exchange.
10.如权利要求6至9任一所述的系统,其特征在于,数据库进一步用于根据第一用户与第二用户的数据信息交换情况更新数据库中第一用户与第二用户的用户信息。 10. The system according to any of claims 6-9, characterized in that the database is further configured to update the database of the first user and the second user according to the user information of the first user and the second user data exchange situation.
CN201310644174.7A 2013-12-03 2013-12-03 Data information interaction method and system CN103605469A (en)

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