CN106133770A - In generation, opens the data processing method of electronic certificate, system and capital management server - Google Patents

In generation, opens the data processing method of electronic certificate, system and capital management server Download PDF

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Publication number
CN106133770A
CN106133770A CN201580012822.4A CN201580012822A CN106133770A CN 106133770 A CN106133770 A CN 106133770A CN 201580012822 A CN201580012822 A CN 201580012822A CN 106133770 A CN106133770 A CN 106133770A
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Prior art keywords
data
management server
capital management
opening
terminal
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张毅
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Shenzhen Cifpay Network Bank Technology Co Ltd
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Shenzhen Cifpay Network Bank Technology Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

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

Abstract

This application discloses a kind of generation opens the data processing method of electronic certificate, including: the first data message of opening L/C in advance is sent to request of data terminal by the first capital management server；Described first capital management server receives the second requesting data information of other people payment of request generated according to described pre-first data message of opening L/C of described request of data terminal feedback；Described first capital management server receives the Frozen Account that the second capital management server sends and opens L/C fund amount or accrediting amount information of drawing, and outputs electronic certificate.Disclosed herein as well is a kind of generation opens data handling system and the first capital management server of electronic certificate.The technical program is opened electronic certificate by user's application, but based on freezing fund under other people account or credit, solve in prior art, when opening E-Payment bill, opener's identical problem necessary with payer, the application, opener is different with payer, facilitate user, improve Consumer's Experience.

Description

In generation, opens the data processing method of electronic certificate, system and capital management server
Technical field
The application relates to the technical field of computer digital animation, particularly relate to a kind of generation open electronic certificate data process Method, system and capital management server.
Background technology
Growing along with computer, network and modern communication technology, E-business applications have the most gradually entered into thousand Ten thousand families, become by one of a kind of mode of doing business familiar to people.Ecommerce utilizes Internet platform to be lived by conventional business The participation each side (buyer, seller, logistics company, financial institution etc.) of disorder of internal organs links together, by by whole process of exchange net Network, electronization, informationization, reduce the cost of transaction, improve trading efficiency.
But, in existing E-business applications, the transmission of fund mainly still relies on traditional electronics and directly transfers accounts The mode paid and the mode of Third-party payment complete.Transaction form is the most single, and on market, some potential commercial affairs needs cannot Meet.In ecommerce, when being ready to use electronic bill to pay payment for goods for the buyer for the 3rd people, formality is numerous and diverse, to user Make troubles.
Summary of the invention
The application provides a kind of generation to open the data processing method of electronic certificate, system and capital management server.
According to the first aspect of the application, the application provides a kind of generation to open the data processing method of electronic certificate, including:
First data message of opening L/C in advance is sent to request of data terminal by the first capital management server；
Described first capital management server receive described request of data terminal send according to described pre-open L/C first number It is believed that the second requesting data information asking other people to pay that breath generates, described second requesting data information includes asking other people to prop up The amount of money paid；
Described first capital management server receives the Frozen Account that the second capital management server sends and opens L/C capital amount Degree or accrediting amount information of drawing, output electronic certificate.
In said method, the first data message of opening L/C in advance is sent to open L/C before holding by described first capital management server, Also include:
Described first capital management server receives the requesting data information of opening L/C that request of data terminal sends, and according to institute State requesting data information of opening L/C and generate described pre-first data message of opening L/C.
According to the second aspect of the application, the application provides a kind of generation to open the data processing method of electronic certificate, including:
First data message of opening L/C in advance is sent to request of data terminal by the first capital management server；
Described request of data terminal generates the second request of other people payment of request according to described pre-first data message of opening L/C Data message, and it is sent to described first capital management server, described second requesting data information includes asking other people to pay The amount of money；
Described request of data terminal generates and notifies information that other people pay and be sent to data processing terminal；
Described data processing terminal entrusts the second capital management server generation for paying；
Described second capital management server Frozen Account is opened L/C fund amount or the accrediting amount of drawing, and generates freezing information Notify described first capital management server；
Described first capital management server receives described freezing information, outputs electronic certificate.
In said method, the first data message of opening L/C in advance is sent to open L/C before holding by described first capital management server, Also include:
Described first capital management server receives the requesting data information of opening L/C that end of opening L/C sends, and opens L/C according to described Requesting data information generates described pre-first data message of opening L/C.
In said method, before described data processing terminal entrusts the second capital management server generation for paying, specifically include:
Described data processing terminal is confirmed whether to agree on behalf of payment；
If agreeing to, the most described data processing terminal entrusts the second capital management server generation for paying；
Otherwise terminate flow process.
In said method, after described first capital management server receives described freezing information, also include:
Typing the second capital management server info, by data syn-chronization to data processing terminal and request of data terminal.
According to the third aspect of the application, the application provides a kind of generation to open the data processing method of electronic certificate, including:
First data message of opening L/C in advance is sent to request of data terminal by issuing bank；
Described request of data terminal generates the second request of other people payment of request according to described pre-first data message of opening L/C Data message, and it is sent to described issuing bank, described second requesting data information includes the amount of money asking other people to pay；
Described request of data terminal generates and notifies information that other people pay and be sent to data processing terminal；
Described data processing terminal through committing others's paying bank is on behalf of payment；
Other people paying bank Frozen Account described is opened L/C fund amount or the accrediting amount of drawing, and generates freezing information notice described Issuing bank；
Described issuing bank receives described freezing information, outputs electronic certificate.
According to the fourth aspect of the application, the application provides a kind of gold management server, including sending module, receiver module And processing module；Described sending module, for being sent to request of data terminal by the first data message of opening L/C in advance；Described reception mould Block, for receive described request of data terminal send according to described pre-open L/C first data message generate request other people pay The second requesting data information；Described processing module, the Frozen Account sent for receiving the second capital management server is opened L/C Fund amount or accrediting amount information of drawing, output electronic certificate..
The 5th aspect according to the application, the application provides a kind of generation to open the data handling system of electronic certificate, including One capital management server, request of data terminal, the second capital management server and other people payment terminal；
Described first capital management server, for being sent to described request of data eventually by the first data message of opening L/C in advance End；
Described request of data terminal, for generating, according to described pre-first data message of opening L/C, ask other people to pay second Requesting data information, and it is sent to described first capital management server, described second requesting data information includes asking other people The amount of money paid；
Described request of data terminal, notifies information that other people pay for generating and is sent to data processing terminal；
Described data processing terminal, for entrusting the second capital management server generation for paying；
Described second capital management server, opens L/C fund amount or the accrediting amount of drawing for Frozen Account, and generation is frozen Knot information notifies described first capital management server；
Described first capital management server, is additionally operable to receive described freezing information, outputs electronic certificate.
Said system, described data processing terminal is additionally operable to be confirmed whether to agree on behalf of payment, if agreeing to, the most described data Processing terminal entrusts the second capital management server generation for paying, and otherwise terminates flow process.
Owing to have employed above technical scheme, make what the application possessed to have the beneficial effects that:
In the detailed description of the invention of the application, owing to the first capital management server receives what request of data terminal sent Ask the second requesting data information that other people pay, receive the Frozen Account that the second capital management server sends and open L/C capital amount After degree or accrediting amount information of drawing, outputing electronic certificate, the application user's application is opened electronic certificate, but is acknowledged a debt to freeze him Based on fund under family or credit, solving in prior art, when opening E-Payment bill, opener and payer are necessary Identical problem, the application opener is different with payer, facilitates user, improves Consumer's Experience.
Accompanying drawing explanation
Fig. 1 is the generation of the application to open the data processing method of electronic certificate flow chart in one embodiment；
Fig. 2 is the generation of the application to open the data processing method of electronic certificate flow chart in another embodiment；
Fig. 3 is the generation of the application to open the data processing method of electronic certificate flow chart in another embodiment；
Fig. 4 is the generation of the application to open the data processing method of electronic certificate flow chart in another embodiment；
Fig. 5 is the capital management server flow chart in one embodiment of the application；
Fig. 6 is the generation of the application to open the data handling system of electronic certificate structural representation in one embodiment.
Detailed description of the invention
Combine accompanying drawing below by detailed description of the invention the application is described in further detail.
Electronic certificate described in this programme i.e. Bank promise pays the electronics acceptance and guarantee voucher of fund by agreed terms solution, is Refer to that bank freezes required number fund according to the application of opener or uses credit line and open, and promise to undertake according to agreement solution pair Condition handles the electronic certificate of payment and settlement.
The common operation flow of electronic certificate is: Opening Bank freezes required number fund to open according to the application of opener Vertical electronic certificate, and carried out receiving card by recipient bank by receipts witness, when arranging pair condition that solves and reaching, Opening Bank will provide Jin Xiefu also handles payment and settlement by recipient bank to receiving witness.
Embodiment one:
As it is shown in figure 1, the generation of the application opens the data processing method of electronic certificate, its a kind of embodiment, including following Step:
Step 102: the first data message of opening L/C in advance is sent to request of data terminal by the first capital management server.First Capital management server is Opening Bank's server, first data message requesting data information of opening L/C according to end of opening L/C of opening L/C in advance Generate.
The request of opening L/C includes identity information and the payment accounts information of opener.May also include and specify the information receiving witness, As received witness name, mobile phone, mailbox, identity card, micro-signal, No. QQ etc. can be corresponding with receiving witness information, receive witness's account and (deposit Money account) etc., receive the information of witness by this, it is simple to receive witness and receive electronic certificate in time.
Step 104: the first capital management server receives believing according to the first data of opening L/C in advance of request of data terminal transmission Second requesting data information of other people payment of request that breath generates, the second requesting data information includes the amount of money asking other people to pay And other people accounts information.
On the basis of the first data of opening L/C in advance, other people information of typing, can relate to such as cell-phone number, mailbox, wechat etc. Other people communication information, thus generate the second requesting data information of other people payment of application.Specifically, this second number of request it is believed that In breath, the amount of money that request pays can be included.
Step 106: the first capital management server receives the Frozen Account that the second capital management server sends and opens L/C money Amount of money degree or accrediting amount information of drawing, output electronic certificate.
In one embodiment, before step 102, further comprising the steps of:
First capital management server receives the requesting data information of opening L/C that end of opening L/C sends, and according to request data of opening L/C Information generates the first data message of opening L/C in advance.
Embodiment two:
As in figure 2 it is shown, the generation of the application open the data processing method of electronic certificate, its another embodiment, including with Lower step:
Step 202: the first data message of opening L/C in advance is sent to request of data terminal by the first capital management server.
Step 204: request of data terminal generates the second request of other people payment of request according to the first data message of opening L/C in advance Data message, and it is sent to the first capital management server, the second requesting data information includes the amount of money asking other people to pay.
Step 206: request of data terminal generates and notifies information that other people pay and be sent to data processing terminal.
Step 208: data processing terminal entrusts the second capital management server generation for paying.
In one embodiment, step 208 specifically may include that
Data processing terminal is confirmed whether to agree on behalf of payment；
If agreeing to, then data processing terminal entrusts the second capital management server generation for paying；
Otherwise terminate flow process.
Step 210: the second capital management server Frozen Account is opened L/C fund amount or the accrediting amount of drawing, and generation is freezed Information notifies the first capital management server.
Step 212: the first capital management server receives described freezing information, outputs electronic certificate.
First capital management server receives after freezing information, it is also possible to include step: typing the second capital management service Device information, by data syn-chronization to data processing terminal and request of data terminal.
In one embodiment, can also include before step 202:
First capital management server receives the requesting data information of opening L/C that end of opening L/C sends, and according to request data of opening L/C Information generates the first data message of opening L/C in advance.As it is shown on figure 3, the generation of the application open data processing method another of electronic certificate Planting embodiment, it comprises the following steps:
Step 302: request of data terminal generates the request of opening L/C.
Generally, request of data terminal is the terminal that the buyer uses.Open L/C request can include opener identity information and Payment accounts information.May also include and specify the information receiving witness, as received witness name, mobile phone, mailbox, identity card, micro-signal, QQ Number grade can be corresponding with receiving witness information, receive witness's account (such as Deposit Account Number) etc., receive the information of witness by this, it is simple to receive card People receives electronic certificate in time.The buyer also can not specify receipts witness, and the people of this electronic certificate information of the most any acquisition can Receive this electronic certificate.
Step 304: Opening Bank receives requesting data information of opening L/C, obtains the information in this data message, generates and opens in advance Demonstrate,prove the first data message, and send to request of data terminal.The identity information of this opener is verified by Opening Bank in advance. Verification at this is likely to be of following several situation: the first verification situation refers to verify whether opener has out in Opening Bank Family information；The second verification situation refers to whether this accredited buyer is authentic and valid, namely system of real name certification, it is not required that Opener necessarily opens an account account at the first capital management server；The third verification situation refers to judge that this accredited buyer is No have bad credit record, is white list user or black list user etc..
Step 306: request of data terminal receives the first data message of opening L/C in advance.
On the basis of the first data message of opening L/C in advance, other people information of typing, can join such as cell-phone number, mailbox, wechat etc. It is tied to other people communication information, generates the second requesting data information of other people payment of application.Second requesting data information can comprise There is the information such as the amount of money that request pays.
Step 308: request of data terminal generates the information that other people pay that notifies, and by other people communication information, notice To other people.Announcement information herein can be a link, it is also possible to be a picture or a section audio file.
Step 310: data processing terminal receives announcement information, decides whether to agree on behalf of payment？If agreeing to, then perform Step 312.Otherwise, terminate flow process, and result then fed back to client, or reselect data processing terminal, be further continued for Judge whether to agree to pay.
Step 312: data processing terminal selects the second capital management server, and entrusts the second capital management server generation For paying.This entrusted information can include entrusting the amount of money paid.May be appreciated a kind of form, at this, payer has passed through Authentication, Password Operations, full authority paying bank operates.
Step 314: the second capital management server receives the entrusted information of data processing terminal, Frozen Account is opened L/C fund Amount or the accrediting amount of drawing, and generate freezing information, this freezing information is sent to the first capital management server simultaneously.As Using debit card, then freeze the fund in debit card, as used the credit card, then frozen credit card is drawn credit.
Step 316: the freezing information of the first capital management server reception paying bank, typing paying bank information, and by number According to being synchronized to each side, output electronic certificate simultaneously.
After user receives electronic certificate, fulfil the condition attached by electronic certificate, just can require to thaw and give to paying bank To transfer, if paying bank can not perform in time, then being paid by Opening Bank, the first capital management server chases after to paying bank after a while Repay.
As user goes to a bank, based on request is by the funds on deposit under other people account or the accrediting amount, freeze Funds on deposit in its account or the accrediting amount, open electronic certificate.Say briefly, it is simply that allow other people on behalf of output electronics with Card.This user for not have fund or credit card amount to be finished the most temporarily, and may need a consumption this time, therefore asks friend Friend on behalf of payment, on the one hand guarantees when incomplete transaction with the form of electronic certificate, and fund or credit card amount are all friend Account, builds the savings loss of friend to greatest extent.On the other hand, owing to friend knows the true purposes of fund, Ke Nenggeng It is ready to help turnover in this form.Or, father and mother are to allow child form good financing custom, when child needs to buy commodity Time, can be by this by the way of other people pay out and output electronic certificate, father and mother are on behalf of payment in request, so, child can be avoided to wave Suddenly, beneficially father and mother guide child to set up good consumption habit.
In the application, user can ask other people to freeze its account by offering electronic certificate bank's application simultaneously Under fund or credit pay, so, be additionally arranged a kind of novel means of payment, provide for economic society activity Propellant, it is provided that enrich the application scenarios of financial payment instrument, the ripe development for boosting ecommerce provides favourable Instrument.It should be noted that the first capital management server and paying bank (the second capital management server) can be at this Same bank, it is also possible to be not same bank, in other words, the first capital management server of application for credit freezes money with other people The bank of gold or credit can be that same bank may not be same bank.
Embodiment three:
As shown in Figure 4, in the generation of the application, opens the another embodiment of data processing method of electronic certificate, it include with Lower step:
Step 402: the first data message of opening L/C in advance is sent to terminal of opening L/C by issuing bank.
Step 404: terminal of opening L/C generates the second request data of other people payment of request according to the first data message of opening L/C in advance Information, and it is sent to issuing bank.
Step 406: terminal of opening L/C generates and notifies information that other people pay and be sent to other people payment terminal.
Step 408: other people payment terminal through committing others's paying bank is on behalf of payment.
Step 410: other people paying bank Frozen Account is opened L/C fund amount or the accrediting amount of drawing, generates freezing information notice Issuing bank.
Step 412: issuing bank receive described in freeze open L/C fund amount or accrediting amount information of drawing, output electronics with Card.
Embodiment four:
As it is shown in figure 5, be the capital management server flow chart in one embodiment of the application.In the present embodiment Capital management server be the first capital management server, i.e. issuing bank's server.This capital management server 10 includes sending out Send module 11, receiver module 12 and processing module 13.Sending module 11, for being sent to data by the first data message of opening L/C in advance Requesting terminal；Receiver module 13, for receiving the asking according to the first data message generation of opening L/C in advance that request of data terminal sends Seeking the second requesting data information that other people pay, the second requesting data information includes the amount of money asking other people to pay；Processing module 13, the Frozen Account sent for receiving the second capital management server is opened L/C fund amount or accrediting amount information of drawing, and opens Go out electronic certificate.
In one embodiment, processing module 13, it is additionally operable to receive the request data of opening L/C that request of data terminal sends Information, and generate, according to requesting data information of opening L/C, the first data message of opening L/C in advance.
Embodiment five:
As shown in Figure 6, in the generation for the application, opens the data handling system of electronic certificate structure in one embodiment Schematic diagram.It includes at the first capital management server 10, request of data terminal the 30, second capital management server 20 and data Reason terminal 40.First capital management server 10, for being sent to request of data terminal by the first data message of opening L/C in advance；Data Requesting terminal, for generating the second requesting data information of other people payment of request according to the first data message of opening L/C in advance, and sends To the first capital management server, the second requesting data information includes the amount of money asking other people to pay.Request of data terminal 30, uses Notify information that other people pay in generating and be sent to data processing terminal 40.Data processing terminal 40, for entrusting the second money Gold management server 20 is on behalf of payment.Second capital management server 20, awards for open L/C fund amount or draw of Frozen Account Letter amount, generates freezing information and notifies the first capital management server.First capital management server 10, is additionally operable to reception and freezes Information, outputs electronic certificate.
In one embodiment, data processing terminal 10 is additionally operable to be confirmed whether to agree on behalf of payment, if agreeing to, then counts Entrust the second capital management server 20 on behalf of payment according to processing terminal, otherwise terminate flow process.
In one embodiment, the first capital management server 10 is additionally operable to receive opening of request of data terminal 30 transmission Card requesting data information, and generate, according to requesting data information of opening L/C, the first data message of opening L/C in advance.
First capital management server 10 can be also used for typing the second capital management server 20 information, by data syn-chronization To data processing terminal 40 and request of data terminal 30.
Above content is to combine the further description that the application is made by specific embodiment, it is impossible to assert this Shen Being embodied as please is confined to these explanations.For the application person of an ordinary skill in the technical field, do not taking off On the premise of the application conceives, it is also possible to make some simple deduction or replace.

Claims (10)

1. in generation, opens the data processing method of electronic certificate, it is characterised in that including:
First data message of opening L/C in advance is sent to request of data terminal by the first capital management server；
Described first capital management server receives believing according to described pre-first data of opening L/C of described request of data terminal feedback Second requesting data information of other people payment of request that breath generates；
Described first capital management server receive second capital management server send Frozen Account open L/C fund amount or The accrediting amount of drawing information, outputs electronic certificate.
2. in generation as claimed in claim 1, opens the data processing method of electronic certificate, it is characterised in that described first capital management First data message of opening L/C in advance is sent to open L/C before holding by server, also includes:
Described first capital management server receives the requesting data information of opening L/C that request of data terminal sends, and opens according to described Card requesting data information generates described pre-first data message of opening L/C.
3. in generation, opens the data processing method of electronic certificate, it is characterised in that including:
First data message of opening L/C in advance is sent to request of data terminal by the first capital management server；
Described request of data terminal generates the second request data of other people payment of request according to described pre-first data message of opening L/C Information, and it is sent to described first capital management server；
Described request of data terminal generates and notifies information that other people pay and be sent to data processing terminal；
Described data processing terminal entrusts the second capital management server generation for paying；
Described second capital management server Frozen Account is opened L/C fund amount or the accrediting amount of drawing, and generates freezing information notice Described first capital management server；
Described first capital management server receives described freezing information, outputs electronic certificate.
4. in generation as claimed in claim 3, opens the data processing method of electronic certificate, it is characterised in that described first capital management First data message of opening L/C in advance is sent to open L/C before holding by server, also includes:
Described first capital management server receives the requesting data information of opening L/C that end of opening L/C sends, and according to the described request of opening L/C Data message generates described pre-first data message of opening L/C.
5. in generation as claimed in claim 3, opens the data processing method of electronic certificate, it is characterised in that described data processing terminal Before entrusting the second capital management server generation for paying, specifically include:
Described data processing terminal is confirmed whether to agree on behalf of payment；
If agreeing to, the most described data processing terminal entrusts the second capital management server generation for paying；
Otherwise terminate flow process.
6. in generation as claimed in claim 3, opens the data processing method of electronic certificate, it is characterised in that described first capital management After server receives described freezing information, also include:
Typing the second capital management server info, by data syn-chronization to data processing terminal and request of data terminal.
7. in generation, opens the data processing method of electronic certificate, it is characterised in that including:
First data message of opening L/C in advance is sent to terminal of opening L/C by issuing bank；
Described terminal of opening L/C generates the second requesting data information of other people payment of request according to described pre-first data message of opening L/C, And it is sent to described issuing bank；
Described terminal of opening L/C generates and notifies information that other people pay and be sent to other people payment terminal；
Other people payment terminal through committing others's paying bank described is on behalf of payment；
Other people paying bank Frozen Account described is opened L/C fund amount or the accrediting amount of drawing, and generates and opens L/C described in freezing information notice OK；
Described issuing bank receives described freezing information, outputs electronic certificate.
8. a capital management server, it is characterised in that include sending module, receiver module and processing module；Described transmission Module, for being sent to request of data terminal by the first data message of opening L/C in advance；Described receiver module, is used for receiving described data Second requesting data information of other people payment of request generated according to described pre-first data message of opening L/C that requesting terminal sends； Described processing module, the Frozen Account sent for receiving the second capital management server is opened L/C fund amount or credit volume of drawing Degree information, outputs electronic certificate.
9. in generation, opens the data handling system of electronic certificate, it is characterised in that include that the first capital management server, data please Ask terminal, the second capital management server and other people payment terminal；
Described first capital management server, for being sent to described request of data terminal by the first data message of opening L/C in advance；
Described request of data terminal, for generating the second request of other people payment of request according to described pre-first data message of opening L/C Data message, and it is sent to described first capital management server, described second requesting data information includes asking other people to pay The amount of money；
Described request of data terminal, notifies information that other people pay for generating and is sent to data processing terminal；
Described data processing terminal, for entrusting the second capital management server generation for paying；
Described second capital management server, opens L/C fund amount or the accrediting amount of drawing for Frozen Account, generates and freezes letter Breath notifies described first capital management server；
Described first capital management server, is additionally operable to receive described freezing information, outputs electronic certificate.
10. in generation as claimed in claim 8, opens the data handling system of electronic certificate, it is characterised in that described data process eventually End is additionally operable to be confirmed whether to agree on behalf of payment, if agreeing to, the most described data processing terminal entrusts the second capital management server On behalf of payment, otherwise terminate flow process.
CN201580012822.4A 2015-07-21 2015-07-21 In generation, opens the data processing method of electronic certificate, system and capital management server Pending CN106133770A (en)

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CN109308416A (en) * 2017-07-26 2019-02-05 财付通支付科技有限公司 Business service data processing method, device, system, storage medium and equipment
CN111260472A (en) * 2020-01-15 2020-06-09 成都库珀区块链科技有限公司 Virtual currency fund management method, device and system

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CN101345898A (en) * 2007-07-11 2009-01-14 北京方维银通科技有限公司 Electronic warrant payment platform, system and method
CN101377838A (en) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 Data safety processing method
CN103020826B (en) * 2012-12-05 2016-12-14 北京奇虎科技有限公司 Payment processing method and server

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Publication number Priority date Publication date Assignee Title
CN109308416A (en) * 2017-07-26 2019-02-05 财付通支付科技有限公司 Business service data processing method, device, system, storage medium and equipment
CN111260472A (en) * 2020-01-15 2020-06-09 成都库珀区块链科技有限公司 Virtual currency fund management method, device and system

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Application publication date: 20161116