CN104917738B - Financial platform data processing method and system - Google Patents
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Abstract
The invention provides a kind of financial platform data processing method, methods described includes：The funds request that the financial platform of first party is initiated according to the terminal of second party generates protocol information and/or fund managing detailed catalogue, and stores the protocol information and/or fund managing detailed catalogue；The financial platform generates the copy of the protocol information and/or fund managing detailed catalogue, and the copy of the generation is sent into third-party notarization platform；The notarization platform obtains the copy, stores the copy, and provide the query interface to the copy of the storage.Financial platform data processing method provided by the invention, user can pass through query interface that notarization platform the provides copy of vlan query protocol VLAN information and/or fund managing detailed catalogue at any time, and the protocol information with being stored in financial platform and/or fund managing detailed catalogue are compared, to prevent protocol information and/or fund managing detailed catalogue by malicious modification.Present invention also offers a kind of financial platform data handling system.
Description
Technical Field
The invention relates to the technical field of internet financial security, in particular to a financial platform data processing method and system.
Background
Internet finance has been rapidly developed in recent years, and various financial platforms are emerged. The financial platform applies the internet technology to the financial field, takes the internet as a medium, and uses the public knowledge of the internet to attract funds from the public to project to various businesses or projects, which has a quite positive effect on promoting the folk capital to participate in the national economic construction.
However, since internet finance parties are in the future, various financial platforms appearing at present are different in quality and lack in supervision, and potential safety hazards exist. For example, electronic protocol information and fund detail information generated on a financial platform are stored on the financial platform, if managers of the financial platform maliciously close the platform, or maliciously modify the content of the electronic protocol information, or the financial platform is attacked by hackers to cause data loss and the like, the users using the financial platform suffer huge loss, and because the electronic protocol information is modified, the users are difficult to maintain the legitimate rights and interests through legal approaches.
Disclosure of Invention
Based on this, it is necessary to provide a financial platform data processing method and system for solving the technical problem that the storage of the electronic agreement information and the fund detail information generated on the financial platform has a potential safety hazard.
A financial platform data processing method, the method comprising:
the financial platform of the first party generates protocol information and/or fund detail information according to a fund request initiated by a terminal of the second party and stores the protocol information and/or the fund detail information;
the financial platform generates a copy of the protocol information and/or the fund detail information and sends the generated copy to a notarization platform of a third party;
and the notarization platform acquires the copy, stores the copy and provides a query interface for the stored copy.
A financial platform data processing system, the system comprising: a financial platform of a first party and a notarization platform of a third party;
the financial platform is used for generating protocol information and/or fund detail information according to a fund request initiated by a terminal of a second party and storing the protocol information and/or the fund detail information;
the financial platform is further used for generating a copy of the protocol information and/or the fund detail information and sending the generated copy to the notarization platform;
the notarization platform is used for obtaining the copy, storing the copy and providing a query interface for the stored copy.
The financial platform data processing method and the financial platform data processing system have the advantages that firstly, a terminal of a second party initiates a fund request, and a financial platform of a first party generates and stores protocol information and/or fund detail information according to the fund request. The financial platform then generates a copy of the agreement information and/or the funds detail information and sends the copy to a notary platform of the third party. The notary platform stores the copy sent by the financial platform and provides a query interface to the stored copy. Therefore, the notarization platform is provided by a third party, and potential safety hazards caused by the fact that the financial platform of the first party stores protocol information and/or fund detail information independently can be effectively avoided. And the user can inquire the copy of the agreement information and/or the fund statement information at any time through an inquiry interface provided by the notarization platform and compare the copy with the agreement information and/or the fund statement information stored on the financial platform so as to prevent the agreement information and/or the fund statement information from being maliciously modified.
Drawings
FIG. 1 is a flow diagram illustrating a method for financial platform data processing according to one embodiment;
FIG. 2 is a block diagram of a financial platform data processing system in one embodiment;
FIG. 3 is a block diagram of a financial platform data processing system in another embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As shown in fig. 1, in one embodiment, a financial platform data processing method is provided, the method comprising the steps of:
step 102, the financial platform of the first party generates agreement information and/or fund detail information according to a fund request initiated by the terminal of the second party, and stores the agreement information and/or the fund detail information.
In this embodiment, the first party is a party providing a financial platform to provide internet financial services; the second party is a party using internet financial services, and may be a natural person or an investment institution. The financial platform can be a P2P (Peer to Peer) network loan platform, a P2P equity investment platform, an Internet project investment platform, a directed fund platform, a risk investment platform, a local financing platform, a folk loan platform, etc., or can also be a subdivision mode variation of the above platforms or a combination of the above manners.
The terminal of the second party may be any terminal having a function of connecting to the internet, and in one embodiment, the terminal of the second party is a computer, a mobile phone, a tablet computer, a television, an intelligent box, a set-top box or a stereoscopic (3D) imaging device. The intelligent box is a device which can be connected with a display device to realize the functions of an intelligent television.
The user can use and supervise the internet financial service provided by the first party through various terminals available in daily life.
The fund request refers to a request related to the fund, and represents various operation requests for the increase, decrease and transfer of the fund. The terminal of the second party may trigger a corresponding fund request by detecting a fund recharge event, an investment operation event, or a fund withdrawal event, etc.
The agreement information is information agreed by the first party and the second party about financial behaviors occurring on the financial platform, and includes item details of the investment target, the investment period, agreed income, investment risk information, investment amount and the like. The fund detail information refers to detail information related to fund change, such as increase, decrease and transfer of funds of the user on the financial platform. And the financial platform of the first party generates protocol information and/or fund detail information and stores the protocol information and/or fund detail information for the user to obtain when needed.
In one embodiment, the fund request further includes a user identifier of the second party, and the step of storing the agreement information and/or the fund detail information comprises: and correspondingly storing the user identification of the second party and the agreement information and/or the fund detail information. The user identification of the second party can be composed of any characters, the second party can be registered in advance through a registration interface provided by the financial platform to obtain the user identification of the second party, and the financial platform can randomly generate the user identification of the second party when the second party uses the internet financial service.
And 104, generating a copy of the agreement information and/or the fund statement information by the financial platform, and sending the generated copy to a notarization platform of a third party.
The third party is a party different from the first party and the second party, the third party is a party with public credibility, can be a party which is sponsored or authenticated by the government and is used for judicial appraisal, and can also be a party which is sponsored by the multi-party independent platform together. The notarization platform is used for notarizing the copy provided by the second party.
The financial platform generates and stores the protocol information and/or the fund detailed information, the stored protocol information and/or the fund detailed information are used as a copy of the original generated protocol information and/or the fund detailed information, the copy is completely consistent with the content of the original, and finally the generated copy is sent to a notarization platform of a third party. The financial platform can actively generate a copy of the protocol information and/or the fund detail information and send the generated copy to a notarization platform of a third party; or the financial platform may generate a copy of the agreement information and/or the fund statement information in response to a copy acquisition request of the notarization platform of the third party, and send the generated copy to the notarization platform of the third party.
In one embodiment, the financial platform may encrypt the generated copy and send it to a third party's notary platform. Therefore, the method can ensure that the copy is not maliciously stolen and tampered in the transmission process. The financial platform can call an encryption module provided by the third party to encrypt the generated copy and send the encrypted copy to a notarization platform of the third party. Therefore, the first party can not know the encryption mode, and protocol information and/or fund detail information are prevented from being tampered to a certain extent.
In one embodiment, the financial platform may generate a copy of the agreement information and/or the funds details information based on a first notarization request initiated by the second party's terminal and send the generated copy to a third party's notarization platform.
In one embodiment, the financial platform may generate a copy of the agreement information and/or the funds statement information based on a second notary request initiated by the second party's terminal and send the generated copy to one or more third party notary platforms.
In one embodiment, the financial platform may generate a copy of the agreement information and/or the fund statement information based on a third notarization request initiated by the second party's terminal and send the generated copy to a third party's notarization platform specified in the third notarization request.
In one embodiment, the financial platform may generate a copy of a portion of the contents of the protocol information and/or the fund statement information specified in the fourth notarization request according to a fourth notarization request initiated by the terminal of the second party, and send the generated copy to the notarization platform of the third party.
And step 106, the notarization platform acquires the copy, stores the copy and provides a query interface for the stored copy.
After receiving the copy of the protocol information and/or the fund detail information, the notarization platform stores the copy and provides a query interface for the stored copy. The terminal of the second party can inquire the copy through a query interface provided by a notarization platform of the third party and compare the copy with the protocol information and/or the fund detail information stored on the financial platform so as to prevent the protocol information and/or the fund detail information from being maliciously modified.
The financial platform data processing method comprises the steps that firstly, a terminal of a second party initiates a fund request, and a financial platform of a first party generates and stores protocol information and/or fund detail information according to the fund request. The financial platform then generates a copy of the agreement information and/or the funds detail information and sends the copy to a notary platform of the third party. The notary platform stores the copy sent by the financial platform and provides a query interface to the stored copy. Therefore, the notarization platform is provided by a third party, and potential safety hazards caused by the fact that the financial platform of the first party stores protocol information and/or fund detail information independently can be effectively avoided. And the user can inquire the copy of the agreement information and/or the fund statement information at any time through an inquiry interface provided by the notarization platform and compare the copy with the agreement information and/or the fund statement information stored on the financial platform so as to prevent the agreement information and/or the fund statement information from being maliciously modified.
In one embodiment, the method further comprises: the financial platform provides a query interface for the originals of the agreement information and/or the fund detail information; and the notarization platform acquires the content of the original through the query interface, compares the content of the original with the content of the copy, and sends a risk prompt when the content of the original is inconsistent with the content of the copy.
In particular, the financial platform provides a query interface to the original through which the second or third party may query the content of the original. After receiving and storing the copy sent by the financial platform, the notarization platform can obtain the original content through an inquiry interface for the original provided by the financial platform, so that the original content is compared with the copy content, and when the original content is inconsistent with the copy content, a risk prompt is sent to a terminal of the second party to remind the second party of paying attention to the fact that the contents of the protocol information and/or the fund detail information are tampered. The notarization platform can send a risk prompt to the terminal of the second party through a preset electronic mailbox or a mobile phone number or even a communication user identifier.
In this embodiment, the notarization platform compares the original with the copy, and sends a risk prompt when the original is inconsistent with the copy, so as to prevent the financial platform from tampering the copy content and then sending the copy content to the notarization platform, thereby ensuring the correctness of the notarization content of the notarization platform.
In one embodiment, the number of notary platforms is multiple. The financial platform data processing method further comprises the following steps: and exchanging the stored copies among the multiple notarization platforms, comparing the exchanged copies with the locally stored copies, and sending a risk prompt when the exchanged copies are inconsistent with the locally stored copies.
The financial platform sends copies to multiple notarization platforms, such that multiple notarization platforms all store copies of the agreement information and/or the fund detail information. The multiple notarization platforms can exchange stored copies with each other, wherein the exchange copies refer to that each notarization platform copies a locally stored copy and sends the copied copy to a notarization platform which is not the notarization platform of the multiple notarization platforms, and thus each notarization platform can receive the copies sent by other notarization platforms.
And each notarization platform compares the copy obtained by exchange with the copy locally stored in the notarization platform, and if the copies are inconsistent, a risk prompt is sent to the terminal of the second party to remind the second party of tampering with the contents of the protocol information and/or the fund detail information. The notarization platform can send a risk prompt to the terminal of the second party through a preset electronic mailbox or a mobile phone number or even a communication user identifier.
In this embodiment, in order to overcome the problem that a single notarization platform is prone to losing notarization capability due to faults, the financial platform sends copies of protocol information and/or fund detail information to a plurality of notarization platforms and stores the copies, and even if a single notarization platform fails, other notarization platforms perform notarization and the notarization capability is not lost. And the copies stored on the multiple notarization platforms are checked through exchanging copies among the multiple notarization platforms to ensure the consistency of the copies stored on each notarization platform, and if the copies are inconsistent, a risk prompt is sent to a terminal of the second party to remind the second party of paying attention to the fact that the contents of the protocol information and/or the fund detail information are tampered.
In one embodiment, the financial platform data processing method further comprises: and updating the fund detail information every time the financial platform reaches a preset time point, or every preset time interval, or when the change of the protocol information and/or the fund detail information is detected, or according to a backup request sent by a terminal of a second party, and sending a copy of the updated fund detail information to the notarization platform so that the notarization platform stores the updated copy.
The investment behavior of internet finance can cause frequent change of funds, and the funds of a user can even change for many times within one day, so that the financial platform can reach a preset time point every time, such as five pm every day; or at preset time intervals, such as every 12 hours or every week; or when a change in agreement information and/or fund detail information is detected, such as an increase or decrease in funds, a modification of agreement information, etc.; or after receiving a backup request sent by the terminal of the second party, updating the fund detail information according to the backup request, generating a copy of the updated fund detail information, and sending the copy of the updated fund detail information to the notarization platform to enable the notarization platform to store the updated copy. The notary platform may overwrite a locally stored copy of the funds details with an updated copy of the funds details or may store a separate copy of the funds details each time received.
In one embodiment, the notary platform obtains an updated copy, associates and stores the updated copy with a stored copy, and provides a query interface for the updated copy.
In this embodiment, after receiving the updated copy each time, the notary platform associates and stores the updated copy with the stored copy, so that the copy received each time by the notary platform is associated and stored to form continuous historical data. The terminal of the second party may query the updated copy through the query interface so that the historical data may be collated to form a persistent notarization of the entire investment process.
In one embodiment, the financial platform data processing method further comprises steps 11) to 12):
and 11), the notarization platform receives a bystander request sent by the terminal of the second party, wherein the bystander request comprises the user identification of the fourth party.
The notarization service provided by the third party notarization platform can guarantee the credibility of the notarization to a certain extent, but the possibility that the first party is communicated with the third party or is coerced still exists. Therefore, in this embodiment, the concept of bystander is introduced, and the fourth party is introduced as bystander to perform further notarization. The user identification of the fourth party is provided by the second party, and the second party can increase the degree of fairness and reliability of the second notarization by providing the user identification of the trusted fourth party as a circumstantial notarization.
The user identifier of the fourth party can be one or more user identifiers registered on a notarization platform, and can be user identifiers registered on the notarization platform by natural persons, investment institutions, authentication institutions and other financial platforms. The user identifier of the fourth party may also be a platform identifier corresponding to another notarization platform except the notarization platform. The user identifier of the fourth party may also be an email account provided by the second party. The fourth party subscriber identity may also be a platform identity of another independent financial platform. Referring to FIG. 2, the financial platform data processing system of FIG. 2 uses other notarization platforms as bystanders to notarize.
In one embodiment, step 11) may be replaced with: and the notarization platform acquires preset bytestudinal setting information, wherein the bytestudinal setting information comprises a user identification of the fourth party.
The first party, the second party or the third party can be configured with the bystander setting information in advance, and the preset bystander setting information is directly acquired when needed and comprises the user identification of the fourth party.
And step 12), the notarization platform sends the copy stored on the notarization platform to the terminal of the fourth party according to the user identification of the fourth party.
And the notarization platform sends the copy stored on the notarization platform to the terminal of the fourth party according to the user identification of the fourth party provided by the second party, so that the fourth party participates in notarization of the copy, and the notarization degree and the reliability in the notarization process are increased.
In one embodiment, the financial platform data processing method further comprises: and the financial platform sends the generated copy to a terminal of the second party according to a preset mode. And/or the notarization platform sends the locally stored copy to the terminal of the second party according to a preset mode.
The preset mode can be e-mail, email, voice, image, video, 3D scanning, WeChat or short message, etc. In this embodiment, the second party may store a copy of the agreement information and/or the fund statement information, and may perform double-issue or three-party information check when needed, thereby preventing the risk of notarization capability loss caused by notarization platform failure when the notarization platform is used alone.
As shown in FIG. 3, in one embodiment, a financial platform data processing system 300 is provided, the system 300 comprising: a first party's financial platform 302 and a third party's notary platform 304.
The financial platform 302 is configured to generate agreement information and/or fund detail information according to a fund request initiated by a terminal of the second party, and store the agreement information and/or the fund detail information.
In one embodiment, the fund request further includes a user identifier of the second party, and the financial platform 302 is further configured to store the user identifier of the second party and the agreement information and/or the fund detail information in a corresponding manner. The user identifier of the second party may be composed of any character, the second party may be registered in advance through a registration interface provided by the financial platform 302 to obtain the user identifier of the second party, and the financial platform 302 may be configured to randomly generate the user identifier of the second party when the second party uses the internet financial service.
Financial platform 302 is further configured to generate a copy of the agreement information and/or the fund statement information and send the generated copy to notarization platform 304.
The third party is a party different from the first party and the second party, the third party is a party with public credibility, can be a party which is sponsored or authenticated by the government and is used for judicial appraisal, and can also be a party which is sponsored by the multi-party independent platform together. Notarization platform 304 is used to notarize the copy provided by the second party.
The financial platform 302 is used for generating and storing the protocol information and/or the fund detail information, using the stored protocol information and/or the fund detail information as a copy of the original generation protocol information and/or the fund detail information, wherein the copy is completely consistent with the content of the original, and finally the financial platform 302 is used for sending the generated copy to a notarization platform 304 of a third party. The financial platform 302 may be configured to actively generate a copy of the agreement information and/or the fund statement information and send the generated copy to the notarization platform 304 of the third party; alternatively, the financial platform 302 may be configured to generate a copy of the agreement information and/or the fund statement information in response to a copy acquisition request from the notarization platform 304 of the third party and send the generated copy to the notarization platform 304 of the third party.
In one embodiment, the financial platform 302 may be configured to encrypt the generated copy for transmission to a third party notary platform 304. Therefore, the method can ensure that the copy is not maliciously stolen and tampered in the transmission process. The financial platform 302 may be configured to invoke an encryption module provided by the third party to encrypt the generated copy and send the encrypted copy to the notary platform 304 of the third party. Therefore, the first party can not know the encryption mode, and protocol information and/or fund detail information are prevented from being tampered to a certain extent.
In one embodiment, the financial platform 302 may be configured to generate a copy of the agreement information and/or the funds details information based on a first notarization request initiated by a terminal of the second party and send the generated copy to a notarization platform 304 of a third party.
In one embodiment, the financial platform 302 may be configured to generate a copy of the agreement information and/or the funds detail information based on a second notarization request initiated by a terminal of the second party and send the generated copy to the notarization platform 304 of one or more third parties.
In one embodiment, the financial platform 302 may be configured to generate a copy of the agreement information and/or the funds details information based on a third notarization request initiated by the second party's terminal and send the generated copy to the third party's notarization platform 304 specified in the third notarization request.
In one embodiment, the financial platform 302 may be configured to generate a copy of a portion of the protocol information and/or the fund statement information specified in the fourth notarization request based on the fourth notarization request initiated by the second party's terminal and send the generated copy to the third party's notarization platform 304.
Notarization platform 304 to obtain copies, store copies, and provide query interfaces for stored copies.
Notarization platform 304 is configured to store a copy of the agreement information and/or the funds details information upon receipt of the copy, and to provide a query interface to the stored copy. The second party's terminal may query the copy through a query interface provided by the third party's notarization platform 304 and compare it with the agreement information and/or funds details stored on the financial platform 302 to prevent malicious modification of the agreement information and/or funds details.
The financial platform data processing system 300 is configured to first initiate a fund request by the terminal of the second party, and generate and store agreement information and/or fund detail information according to the fund request by the financial platform 302 of the first party. Financial platform 302 is then used to generate a copy of the agreement information and/or the funds detail information and send the copy to a third party's notarization platform 304. Notarization platform 304 is used to store the copy sent by financial platform 302 and to provide a query interface for the stored copy. Thus, the notarization platform 304 is provided by a third party, and the potential safety hazard caused by the fact that the financial platform 302 of the first party stores the protocol information and/or the fund detail information independently can be effectively avoided. Moreover, the user can query the copy of the agreement information and/or the fund detail information at any time through a query interface provided by the notarization platform 304 and compare the copy with the agreement information and/or the fund detail information stored on the financial platform 302 so as to prevent the agreement information and/or the fund detail information from being maliciously modified.
In one embodiment, the financial platform 302 is further operable to provide a query interface for originals of the agreement information and/or the fund detail information; the notarization platform 304 is further configured to obtain the content of the original through the query interface, compare the content of the original with the content of the copy, and issue a risk prompt when the content of the original is inconsistent with the content of the copy.
In particular, the financial platform 302 is configured to provide a query interface for the original through which the second or third party may query the content of the original. The notarization platform 304 is configured to, after receiving and storing the copy sent by the financial platform 302, obtain the original content through an inquiry interface provided by the financial platform 302 for the original, compare the original content with the copy content, and if the original content is inconsistent with the copy content, send a risk prompt to the terminal of the second party to remind the second party that the content of the agreement information and/or the fund detail information is tampered. The notarization platform 304 may be used to issue a risk prompt to the second party's terminal through a preset email or cell phone number or even a communication user identification.
In this embodiment, the notarization platform 304 compares the original with the copy, and sends a risk prompt when the original and the copy are inconsistent, so as to prevent the financial platform 302 from tampering the copy content and then sending the copy content to the notarization platform 304, thereby ensuring the correctness of the notarization content of the notarization platform 304.
In one embodiment, notarization platform 304 is plural in number. The multiple notarization platforms 304 are used for exchanging the stored copies among each other, comparing the exchanged copies with the locally stored copies, and sending out a risk prompt when the exchanged copies are inconsistent with the locally stored copies.
Financial platform 302 is configured to send copies to multiple notarization platforms 304 such that multiple notarization platforms 304 each have a copy of the agreement information and/or the funds details information stored thereon. Multiple notarization platforms 304 may be used to exchange stored copies between each other, where exchanging copies means that each notarization platform 304 replicates a locally stored copy and sends the replicated copy to a non-own notarization platform 304 of multiple notarization platforms 304, such that each notarization platform 304 is used to receive the copies sent by the other respective notarization platforms 304.
Each notarization platform 304 is configured to compare the copy obtained by the exchange with a copy locally stored in the notarization platform 304, and if the copies are inconsistent, issue a risk prompt to the terminal of the second party to remind the second party that the contents of the agreement information and/or the fund detail information are tampered. The notarization platform 304 may be used to issue a risk prompt to the second party's terminal through a preset email or cell phone number or even a communication user identification.
In this embodiment, in order to overcome the problem that a single notarization platform 304 is prone to losing notarization capability due to a failure, the financial platform 302 sends copies of protocol information and/or fund detail information to the multiple notarization platforms 304 and stores the copies, and even if a single notarization platform 304 fails, there are other notarization platforms 304 for notarization, and the notarization capability is not lost. And the copies stored on the multiple notarization platforms 304 are checked through exchanging copies among the multiple notarization platforms 304 to ensure consistency of the copies stored on the respective notarization platforms 304, and if the copies are inconsistent, a risk prompt is sent to a terminal of the second party to remind the second party of paying attention to tampering of the contents of the agreement information and/or the fund detail information.
In one embodiment, the financial platform 302 is configured to update the fund statement information every predetermined time point, or every predetermined time interval, or when detecting a change in the agreement information and/or the fund statement information, or upon a backup request from a terminal of the second party, and to send a copy of the updated fund statement information to the notarization platform 304, such that the notarization platform 304 stores the updated copy.
The investment behavior of internet finance can cause frequent fund change, and the fund of a user can even change for many times within one day, so that the financial platform 302 can be used at every preset time point, such as five pm every day; or at preset time intervals, such as every 12 hours or every week; or when a change in agreement information and/or fund detail information is detected, such as an increase or decrease in funds, a modification of agreement information, etc.; or after receiving a backup request sent by the terminal of the second party, updating the fund detail information according to the backup request, generating a copy of the updated fund detail information, and sending the copy of the updated fund detail information to the notarization platform 304, so that the notarization platform 304 stores the updated copy. Notarization platform 304 may be used to overwrite a locally stored copy of the funds details information with an updated copy of the funds details information or may be used to store a separate copy of the funds details information each time it is received.
In one embodiment, notarization platform 304 is configured to obtain updated copies, associate and store updated copies with stored copies, and provide a query interface for updated copies.
In this embodiment, the notarization platform 304 is configured to establish association between the updated copy and the stored copy and store the updated copy and the stored copy after receiving the updated copy each time, so that the notarization platform 304 stores the received copy each time in association, and forms continuous historical data. The terminal of the second party may query the updated copy through the query interface so that the historical data may be collated to form a persistent notarization of the entire investment process.
In one embodiment, the notarization platform 304 is configured to receive a bystander request sent by a terminal of the second party, where the bystander request includes a user identifier of the fourth party; the notarization platform 304 is configured to send a copy stored on the notarization platform 304 to the terminal of the fourth party according to the user identifier of the fourth party.
The user id of the fourth party may be one or more user ids registered on the notarization platform 304, and may be user ids registered on the notarization platform 304 by natural persons, investment institutions, accreditation institutions, and other financial platforms. The user identifier of the fourth party may also be a platform identifier corresponding to another notarization platform other than the notarization platform 304. The user identifier of the fourth party may also be an email account provided by the second party. The fourth party subscriber identity may also be a platform identity of another independent financial platform.
The notarization platform 304 is configured to send the copy stored on the notarization platform 304 to the terminal of the fourth party according to the user identifier of the fourth party provided by the second party, so that the fourth party participates in notarization of the copy, and the notarization degree and reliability of the notarization at this time are increased.
In one embodiment, the notarization platform 304 is configured to obtain preset bystander setting information, where the bystander setting information includes a user identifier of a fourth party; the notarization platform 304 is configured to send a copy stored on the notarization platform 304 to the terminal of the fourth party according to the user identifier of the fourth party.
The first party, the second party or the third party can be configured with the bystander setting information in advance, and the preset bystander setting information is directly acquired when needed and comprises the user identification of the fourth party.
In one embodiment, the financial platform 302 is configured to send the generated copy to the second party's terminal in a predetermined manner. And/or the notarization platform 304 is configured to send the locally stored copy to the second party's terminal in a preset manner.
The preset mode can be e-mail, email, voice, image, video, 3D scanning, WeChat or short message, etc. In this embodiment, the second party may store a copy of the agreement information and/or the fund statement information, and may perform double-issue or three-party information check when needed, so as to prevent the risk of loss of notarization capability caused by a failure of the notarization platform 304 when the notarization platform 304 is used alone.
The above-mentioned embodiments only express several embodiments of the present invention, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the inventive concept, which falls within the scope of the present invention. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (10)
1. A financial platform data processing method, the method comprising:
the financial platform of the first party generates protocol information and/or fund detail information according to a fund request initiated by a terminal of the second party and stores the protocol information and/or the fund detail information;
the financial platform generates a copy of the protocol information and/or the fund detail information according to a notarization request initiated by the terminal of the second party, and sends the generated copy to a notarization platform of a specified third party in the notarization request;
the notarization platform acquires the copy, stores the copy and provides a query interface for the stored copy;
and after receiving the updated copy each time, the notarization platform establishes association between the updated copy and the stored copy for storage, forms continuous historical data and provides an inquiry interface for the updated copy.
2. The method of claim 1, wherein the number of notarization platforms specified in the notarization request is multiple; the method further comprises the following steps:
and exchanging the stored copies among the notarization platforms, comparing the exchanged copies with the locally stored copies, and sending a risk prompt when the exchanged copies are inconsistent with the locally stored copies.
3. The method of claim 1, further comprising:
and updating the fund detail information every time the financial platform reaches a preset time point, or every preset time interval, or when the change of the protocol information and/or the fund detail information is detected, or according to a backup request sent by the terminal of the second party, and sending a copy of the updated fund detail information to the notarization platform so that the notarization platform stores the updated copy.
4. The method of claim 3, wherein the method comprises:
and the notarization platform acquires the updated copy, associates and stores the updated copy and the stored copy, and provides a query interface for the updated copy.
5. The method of claim 1, further comprising:
the notarization platform receives a bystander request sent by a terminal of the second party, wherein the bystander request comprises a user identifier of a fourth party; the notarization platform sends the stored copy to a terminal of a fourth party according to the user identification of the fourth party; or,
the notarization platform acquires preset bystander setting information, wherein the bystander setting information comprises a user identifier of a fourth party; and the notarization platform sends the stored copy to a terminal of the fourth party according to the user identification of the fourth party.
6. The method of claim 1, further comprising:
the financial platform sends the generated copy to a terminal of a second party according to a preset mode; and/or the presence of a gas in the gas,
and the notarization platform sends the locally stored copy to a terminal of a second party according to a preset mode.
7. The method of claim 1, wherein the second party's terminal is a computer, a cell phone, a tablet, a television, a smart box, a set-top box, or a stereo imaging device.
8. A financial platform data processing system, the system comprising: a financial platform of a first party and a notarization platform of a third party;
the financial platform is used for generating protocol information and/or fund detail information according to a fund request initiated by a terminal of a second party and storing the protocol information and/or the fund detail information;
the financial platform is further configured to generate a copy of the protocol information and/or the fund statement information according to a notarization request initiated by the terminal of the second party, and send the generated copy to the notarization platform specified in the notarization request;
the notarization platform is used for acquiring the copy, storing the copy and providing a query interface for the stored copy; and the system is also used for associating and storing the updated copy with the stored copy after receiving the updated copy every time, forming continuous historical data and providing a query interface for the updated copy.
9. The system of claim 8, wherein the number of notarization platforms specified in the notarization request is multiple; the notarization platforms are also used for exchanging the stored copies among each other, comparing the exchanged copies with the locally stored copies, and sending out a risk prompt when the exchanged copies are inconsistent with the locally stored copies.
10. The system of claim 8, wherein the financial platform is further configured to update the fund detail information every predetermined time point, or every predetermined time interval, or when a change in the agreement information and/or the fund detail information is detected, or upon a backup request from the terminal of the second party, send a copy of the updated fund detail information to the notary platform, such that the notary platform stores the updated copy.
Priority Applications (2)
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|---|---|---|---|
| CN201410096222.8A CN104917738B (en) | 2014-03-14 | 2014-03-14 | Financial platform data processing method and system |
| PCT/CN2014/084919 WO2015135293A1 (en) | 2014-03-14 | 2014-08-21 | Financial platform data notarization method and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410096222.8A CN104917738B (en) | 2014-03-14 | 2014-03-14 | Financial platform data processing method and system |
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| CN104917738A CN104917738A (en) | 2015-09-16 |
| CN104917738B true CN104917738B (en) | 2018-03-16 |
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| CN106327191B (en) * | 2016-08-09 | 2020-06-19 | 联动优势科技有限公司 | Method and device for recording transaction information |
| CN108647903A (en) * | 2018-04-09 | 2018-10-12 | 浙江先合信息技术有限公司 | A kind of product quality control system, method and readable medium |
| CN110443596A (en) * | 2019-06-19 | 2019-11-12 | 深圳壹账通智能科技有限公司 | Data processing method, device, computer equipment and storage medium |
| CN111432365B (en) * | 2020-03-19 | 2020-12-29 | 武汉谦屹达管理咨询有限公司 | Financial big data processing method and system applying 5G network and block chain |
| CN113393314A (en) * | 2021-08-18 | 2021-09-14 | 深圳市创博未来科技有限公司 | Data processing system for commercial finance |
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| CN101427268A (en) * | 2006-04-18 | 2009-05-06 | 微软公司 | Authentication for a commercial transaction using a mobile module |
| WO2008034900A1 (en) * | 2006-09-21 | 2008-03-27 | Boesgaard Soerensen Hans Marti | Fabrication of computer executable program files from source code |
| CN102291376A (en) * | 2010-06-18 | 2011-12-21 | 普天信息技术研究院有限公司 | Method and system for realizing mobile terminal-supporting electronic transaction |
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| WO2015135293A1 (en) | 2015-09-17 |
| CN104917738A (en) | 2015-09-16 |
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