CN106372908A - Data processing method and apparatus for issuing fixed electronic certificate, and server - Google Patents
Data processing method and apparatus for issuing fixed electronic certificate, and server Download PDFInfo
- Publication number
- CN106372908A CN106372908A CN201510429113.8A CN201510429113A CN106372908A CN 106372908 A CN106372908 A CN 106372908A CN 201510429113 A CN201510429113 A CN 201510429113A CN 106372908 A CN106372908 A CN 106372908A
- Authority
- CN
- China
- Prior art keywords
- electronic certificate
- opening
- opener
- amount
- account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application provides a data processing method and apparatus for issuing fixed electronic certificate, and a server. A request message that is used for issuing an electronic certificate and is generated by an issuer is received; a fixed quota, registered by the issuer in advance, of an issued electronic certificate is obtained; whether an available fund amount in a payment account is larger than the fixed quota is verified; and if so, the corresponding available fund amount in the payment account is frozen and an electronic certificate is generated. Therefore, the fixed electronic certificate can be set. When consumption expenditures with same sums are operated, the sum just needs to be set once; and an electronic certificate is generated for payment of each operation according to the preset fixed sum, so that the payment operation is simplified. Moreover, because only one electronic certificate is issued each time, losses caused by an operation error of an issuer can be reduced by setting the fixed sum, thereby improving security of the payment funds.
Description
Technical field
The application is related to e-commerce field, particularly to a kind of data processing side opening up quota electronic certificate
Method, device and server.
Background technology
At present, ecommerce is as a kind of new mode of doing business, by manufacturing enterprise, circulation enterprise and disappear
Expense person and government have brought a network economy, the new world of Digital Trend Existence into.Ecommerce utilizes network to put down
Platform, by each side participant (buyer, seller, logistics company, financial institution etc.) in conventional business activity
Link together, by by whole process of exchange networking, electronization, informationization, reducing the one-tenth of transaction
Originally, improve trading efficiency.In existing E-business applications, the transmission of fund is mainly also to rely on biography
The electronics direct payment by the transfer of accounts mode of system and the mode of Third-party payment.
But, inventor, in the practice process to prior art, finds that existing method of payment exists following
Defect:
On the one hand, in existing E-Payment, such as monthly pay management for infrastructure fee, expenditure of the transferring accounts cost of living,
Fixed deposit etc. operates, and these consumption expenditures are all many times to produce the same amount of money, if paying every time
Cheng Junxu user re-enters payment, then complex operation, can expend the more time and efforts of user no
Method meets the business needs of modern society.On the other hand, if all inputting transaction during each payment transaction of opener
, then easily input error in the amount of money, if a great amount of money mistakenly will be inputted, easily brings relatively
Big monetary losses.
Content of the invention
The application provides a kind of data processing method opening up quota electronic certificate, device and server, permissible
Once the amount of money is set, subsequently to fix the electronic certificate that amount is opened, simplifies process of exchange, minimizing is opened L/C
The loss of people, lifts the safety disbursing funds.
According to the application's in a first aspect, the application provide the data processing method opening up quota electronic certificate,
Including: receive the request message being opened electronic certificate by the application that opener generates；Obtain opener to step in advance
The fixing amount opening electronic certificate of note；Whether the available funds amount in validation of payment account is more than or equal to
Described fixing amount, if so, then freezes corresponding available funds amount in described payment account, generates electronics
Voucher.
The data processing equipment opening up quota electronic certificate being provided according to the second aspect of the application, the application,
Including: receiving unit, for receiving the request message being opened electronic certificate by the application that opener generates；Obtain
Take unit, for obtaining the fixing amount opening electronic certificate that opener pre-registers；Authentication unit, uses
Whether the available funds amount in validation of payment account is more than or equal to described fixing amount；Voucher signal generating unit,
For when the result of described authentication unit is for being, freezing corresponding available funds in described payment account
Amount, generates electronic certificate.
The server for opening up quota electronic certificate being provided according to the third aspect of the application, the application,
Processor, and input block, output unit and the memorizer being connected with described processor；Described input is single
Unit is opened the request message of electronic certificate for receiving by the application that opener generates；Described processor is used for obtaining
Take away the fixing amount opening electronic certificate that witness pre-registers, the available funds volume in validation of payment account
Whether degree is more than or equal to described fixing amount, if so, then freezes corresponding available funds in described payment account
Amount, generates electronic certificate.
The data processing method, device and the server that open up quota electronic certificate that the application provides, reception is opened
The request message opening electronic certificate that witness generates, what acquisition opener pre-registered opens electronic certificate
Fixing amount, whether the available funds amount in validation of payment account is more than or equal to described fixing amount, if so,
Then freeze corresponding available funds amount in described payment account, generate electronic certificate.Solid such that it is able to arrange
The electronic certificate of deposit volume, it is only necessary to set up an amount of money when in the consumption expenditure of some same amount of operation,
Operation can be paid according to the Flat Amount generation electronic certificate pre-setting every time later, simplify and prop up
Pay operation.And due to only outputing an electronic certificate every time, therefore setting Flat Amount can reduce and open L/C
The loss that people's operational error brings, lifts the safety disbursing funds.
Brief description
Fig. 1 is the method flow diagram of the embodiment of the present invention one；
Fig. 2 is another kind of method flow diagram of the embodiment of the present invention one；
Fig. 3 is the apparatus structure schematic diagram of the embodiment of the present invention three；
Fig. 4 is another kind of apparatus structure schematic diagram of the embodiment of the present invention three；
Fig. 5 is the server architecture schematic diagram of the embodiment of the present invention four.
Specific embodiment
Combine accompanying drawing below by specific embodiment the present invention is described in further detail.
Electronic certificate described in this programme is that Bank promise pays the electronic credit promise of fund by agreed terms solution
Exchange order, refers to that bank is freezed required number fund according to the application of opener or opened using credit line,
And promise to undertake the electronic credit acceptance and guarantee voucher handling payment and settlement according to agreement solution pair condition.
The common operation flow of electronic certificate mentioned by the application is: Opening Bank is according to the application of opener
Freeze required number fund to open electronic certificate, and carry out receiving card by recipient bank by receiving witness, when about
When fixed solution pair condition is reached, from Opening Bank, fund solution is paid and payment is handled to receiving witness by recipient bank
Clearing.
In the embodiment of the present application, provide a kind of data processing method opening up quota electronic certificate, device and
Server, can arrange the electronic certificate of Flat Amount, reduce the loss of opener, and lifting disburses funds
Safety.
Embodiment one:
Refer to Fig. 1, Fig. 1 is the data processing method flow process opening up quota electronic certificate of the embodiment of the present invention
Figure.As shown in figure 1, a kind of data processing method opening up quota electronic certificate, may comprise steps of:
101st, receive the request message opening up electronic certificate that opener sends.
Request message carries the Flat Amount of the electronic certificate of opener's setting.
102nd, obtain the fixing amount opening electronic certificate that opener pre-registers.
It is worthy of note that, when opening electronic certificate every time, all opened according to the fixing amount pre-registering
Vertical.User only need to arrange an amount of money, and the request opening electronic certificate subsequently receiving opener every time disappears
During breath, the electronic certificate all opened with this fixation amount.
Obviously, the Flat Amount pre-registering is to be fixing only within certain time, needs more in opener
Change electronic certificate fixing amount when, opener again changes and registers the fixing amount of the electronic certificate opened,
Then initiate again to open the request message of electronic certificate and when the available funds amount in validation of payment account is enough
When, you can to open electronic certificate according to new fixing amount.
103rd, whether the available funds amount in validation of payment account, more than or equal to fixing amount, is if so, then held
Row step 104.
Wherein, available funds amount includes: account balance and the accrediting amount.
As shown in Fig. 2 before whether the available funds amount in validation of payment account more than or equal to fixing amount
Step 201-202 can be included.
Step 201: whether checking opener meets requirement of opening L/C.
Step 202: when it is to be that step 201 verifies result, the account that opener is specified is as paying a bill
Family.
Specifically, step 201 includes: whether checking opener opens an account information in Opening Bank；And,
Whether checking opener carries out system of real name certification；And, verify whether the credit record of opener is good.Can
To be understood by, when verify above-mentioned condition be when then it represents that opener meets requirement of opening L/C.At this moment,
Next step checking, i.e. execution step 104 should be carried out.Run jointly when authenticator and demonstrate,prove what the described opener requiring specified
The available funds amount of account of opening L/C is less than the Flat Amount of the electronic certificate of opener's setting, then can not be according to
The request of opener generates electronic certificate, now preferably, can be with execution step 203: feedback validation does not pass through
Message is to opener.
104th, freeze corresponding available funds amount in payment account, generate electronic certificate.
It is understood that the corresponding amount of money freezing is Flat Amount.
Before generating electronic certificate, for lifting transaction security, can be confirmed to opener, be referred to
Fig. 2, the embodiment of the present application preferably includes step: 204: sends, to opener, confirmation message of opening L/C, opens L/C really
Recognize message to include: the request message of input trading password.
The data processing method opening up quota electronic certificate that the application provides, receives carrying of opener's transmission
The electronic certificate of default Flat Amount opens up request message, and authenticator is run jointly specified by the opener that card requires
The Flat Amount of the electronic certificate whether the available funds amount of account of opening L/C is arranged more than or equal to opener, if
It is then to freeze the fund in the account of described opener, generate electronic certificate.Such that it is able to arrange fixing gold
The electronic certificate of volume, due to only outputing an electronic certificate every time, therefore setting Flat Amount can reduce out
The loss of witness, lifts the safety disbursing funds.
Name the example of a particular transactions process, the data processing opening up quota electronic certificate to the application
The process of method is introduced.
Embodiment two:
The present embodiment process of exchange is as follows:
S1: opener (buyer) user setup Flat Amount, such as 30 yuan.
It should be noted that the Flat Amount of the setting at this can input in the client of buyer, also may be used
Directly to input Flat Amount in issuing bank, can also notify issuing bank that electronics is set by buy-side client end
The Flat Amount of voucher.The application is not construed as limiting to this.
S2: buyer, according to 30 yuan of default in s1 Flat Amount, sends to issuing bank and opens up electronic certificate
Request message.
S3: issuing bank receives the request message opening up electronic certificate that opener sends, and therefrom knows fixation
The amount of money is 30 yuan.
S4: whether checking opener meets requirement of opening L/C, and if so, then execution step s5, if it is not, then execute
Step s4 '.
Specifically, following three aspects can be verified: verify that whether described opener opens an account letter in Opening Bank
Breath；And, verify whether described opener carries out system of real name certification；And, verify the letter of described opener
Whether good with recording.
S4 ': issuing bank's feedback validation does not pass through message to opener.
It is understood that opener, when learning that this time checking is not passed through, can initiate to hold when needed again
Card request, if opener abandons, terminates to open up the flow process of electronic certificate.
S5: whether the available funds amount of the account of opening L/C that checking opener specifies sets more than or equal to opener
The Flat Amount of the electronic certificate put.If so, then execution step s6, otherwise, execution step s4 '.
Available funds amount includes: account balance and the accrediting amount.If more than or equal to opener's setting
The Flat Amount of electronic certificate is then it represents that the account balance of account of opening L/C specified by opener or credit volume
Degree is sufficient.It is understood that judging whether opener has account balance or the credit volume of abundance
When spending, the accounts information of opener is not necessarily called to compare it is also possible to account by calling other people
Compared with the amount of money that currently need to conclude the business in family, as long as the account that opener specifies can use.That is, user
Can be paid using the fund of itself it is also possible to be looked for other people on behalf of payment, the application is not construed as limiting to this.
S6: freeze the fund in the account of described opener, generate electronic certificate.
S7: the information generating electronic certificate is sent to opener.
S8: opener or open L/C successfully.
Embodiment three:
Refer to Fig. 3, Fig. 3 is the apparatus structure schematic diagram of the embodiment of the present invention.As shown in figure 3, one kind is opened
The data processing equipment of setting volume electronic certificate, may include that
Receiving unit 30, for receiving the request message opening up electronic certificate of opener's transmission, described request
Message carries the Flat Amount of the electronic certificate of described opener's setting.
Acquiring unit 31, for obtaining the fixing amount opening electronic certificate that opener pre-registers.
Whether authentication unit 32, obtain more than or equal to acquiring unit 31 for the available funds amount in payment account
What the opener taking pre-registered opens the fixing amount of electronic certificate.
Available funds amount includes: account balance and the accrediting amount.
Voucher signal generating unit 33, for when the result of authentication unit 32 is for being, freezing in payment account
Corresponding available funds amount, generates electronic certificate.
As shown in figure 4, in an embodiment, also including: the second authentication unit 34, with acquiring unit 31 even
Connect, whether the available funds amount in authentication unit 32 validation of payment account is more than or equal to described fixing amount
Before, for verifying whether opener meets requirement of opening L/C.
Account designating unit 35, is connected with the second authentication unit 34, for verifying in the second authentication unit 34
Go out result for, when being, the account that described opener is specified is as payment account.
Embodiment of the present invention device can also include: feedback unit 36, for the checking knot in authentication unit 32
When fruit is no, feedback validation does not pass through message to described opener.
One preferred embodiment, embodiment of the present invention device also includes:
Open L/C confirmation unit 37, be connected with authentication unit 32 and voucher signal generating unit 33 respectively, generating
Before electronic certificate, for sending, to described opener, confirmation message of opening L/C, described confirmation message of opening L/C includes:
The request message of input trading password.
Example IV:
The application also provides a kind of server for opening up quota electronic certificate, as shown in Figure 5, comprising:
Processor 40, and input block 41, output unit 42 and the memorizer 43 being connected with processor 40.
Input block 41 is used for receiving the request message being opened electronic certificate by the application that opener generates.
Processor 40 is used for obtaining the fixing amount opening electronic certificate that opener pre-registers, validation of payment
Whether the available funds amount in account is more than or equal to described fixing amount, if so, then freezes described and pays a bill
Indoor corresponding available funds amount, generates electronic certificate.
In one embodiment, processor 40 is additionally operable to: whether the available funds amount in validation of payment account
Before described fixing amount, verify whether described opener meets requirement of opening L/C, if so, then will
The account that described opener specifies is as payment account.
Processor 40 is additionally operable to: freezing corresponding available funds amount in described payment account, generates electronics
Before voucher, send, to described opener, confirmation message of opening L/C, described confirmation message of opening L/C includes: input is handed over
The request message of easy password.
Memorizer 43 specifically for: store the fixing amount opening electronic certificate that pre-registers of described opener,
Described fixing amount is updated according to described Man's Demands of opening L/C.
Above content is to further describe it is impossible to recognize with reference to specific embodiment is made for the present invention
Determine the present invention be embodied as be confined to these explanations.Ordinary skill for the technical field of the invention
For personnel, without departing from the inventive concept of the premise, some simple deduction or replace can also be made.
Claims (10)
1. a kind of data processing method opening up quota electronic certificate is it is characterised in that include:
Receive the request message being opened electronic certificate by the application that opener generates；
Obtain the fixing amount opening electronic certificate that opener pre-registers；
Whether the available funds amount in validation of payment account is more than or equal to described fixing amount, if so, then freezes
Tie corresponding available funds amount in described payment account, generate electronic certificate.
2. open up the data processing method of quota electronic certificate as claimed in claim 1 it is characterised in that
Whether the available funds amount in described validation of payment account includes more than or equal to before described fixing amount: tests
Demonstrate,prove whether described opener meets requirement of opening L/C, the account if so, then specified described opener is as payment
Account.
3. open up the data processing method of quota electronic certificate as claimed in claim 1 or 2, its feature exists
In, described freeze corresponding available funds amount in described payment account, also include before generating electronic certificate:
Send confirmation message of opening L/C to described opener, described confirmation message of opening L/C includes: input trading password
Request message.
4. a kind of data processing equipment opening up quota electronic certificate is it is characterised in that include:
Receiving unit, for receiving the request message being opened electronic certificate by the application that opener generates；
Acquiring unit, for obtaining the fixing amount opening electronic certificate that opener pre-registers；
Whether authentication unit, be more than or equal to described fixing volume for the available funds amount in validation of payment account
Degree；
Voucher signal generating unit, pays a bill for when the result of described authentication unit is for being, freezing described
Indoor corresponding available funds amount, generates electronic certificate.
5. open up the data processing equipment of quota electronic certificate as claimed in claim 4 it is characterised in that
Also include: the second authentication unit, for verifying whether described opener meets requirement of opening L/C；
Account designating unit, for when it is to be that described second authentication unit verifies result, opening L/C described
The account that people specifies is as payment account.
6. the data processing equipment opening up quota electronic certificate as described in claim 4 or 5, its feature exists
In also including: confirmation unit of opening L/C, for sending, to described opener, confirmation message of opening L/C, described open L/C
Confirm that message includes: the request message of input trading password.
7. a kind of server for opening up quota electronic certificate is it is characterised in that include: processor, with
And input block, output unit and the memorizer being connected with described processor；
Described input block is used for receiving the request message being opened electronic certificate by the application that opener generates；
Described processor is used for obtaining the fixing amount opening electronic certificate that opener pre-registers, checking
Whether the available funds amount paying a bill indoor is more than or equal to described fixing amount, if so, then freezes described payment
Corresponding available funds amount in account, generates electronic certificate.
8. the as claimed in claim 7 server being used for opening up quota electronic certificate is it is characterised in that institute
State processor to be additionally operable to: whether the available funds amount in validation of payment account is more than or equal to described fixing volume
Before degree, verify whether described opener meets requirement of opening L/C, the account if so, then described opener specified
Family is as payment account.
9. be used for as claimed in claim 7 or 8 opening up the server of quota electronic certificate it is characterised in that
Described processor is additionally operable to: freezing corresponding available funds amount in described payment account, generate electronics with
Before card, send, to described opener, confirmation message of opening L/C, described confirmation message of opening L/C includes: input transaction
The request message of password.
10. the as claimed in claim 9 server being used for opening up quota electronic certificate it is characterised in that
Described memorizer specifically for: store the fixing amount opening electronic certificate that pre-registers of described opener,
Described fixing amount is updated according to described Man's Demands of opening L/C.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510429113.8A CN106372908A (en) | 2015-07-21 | 2015-07-21 | Data processing method and apparatus for issuing fixed electronic certificate, and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510429113.8A CN106372908A (en) | 2015-07-21 | 2015-07-21 | Data processing method and apparatus for issuing fixed electronic certificate, and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106372908A true CN106372908A (en) | 2017-02-01 |
Family
ID=57879698
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510429113.8A Pending CN106372908A (en) | 2015-07-21 | 2015-07-21 | Data processing method and apparatus for issuing fixed electronic certificate, and server |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN106372908A (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111640010A (en) * | 2020-06-08 | 2020-09-08 | 中国银行股份有限公司 | Deposit evidence establishing method, device, server and storage medium |
-
2015
- 2015-07-21 CN CN201510429113.8A patent/CN106372908A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111640010A (en) * | 2020-06-08 | 2020-09-08 | 中国银行股份有限公司 | Deposit evidence establishing method, device, server and storage medium |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US10832246B2 (en) | Payment real-time funds availability | |
| US10748127B2 (en) | Payment real-time funds availability | |
| US10839359B2 (en) | Payment real-time funds availability | |
| US10769606B2 (en) | Payment real-time funds availability | |
| US7720764B2 (en) | Method, device, and system for completing on-line financial transaction | |
| US8096468B2 (en) | Wireless portable consumer electronics device facilitating multi-range transactions | |
| US10558956B2 (en) | Device and method for facilitating financial transactions | |
| US20120209731A1 (en) | Computer-based fund transmittal system and method | |
| US20150026058A1 (en) | Payment System | |
| US9015074B2 (en) | Device and method for facilitating financial transactions | |
| CN110751474A (en) | Capital payment management system based on electronic commerce | |
| US20040024704A1 (en) | Method and device for bill account by on-line certified contract | |
| JP2023530018A (en) | Digital currency oriented trading method and system | |
| CN106372908A (en) | Data processing method and apparatus for issuing fixed electronic certificate, and server | |
| CN106133770A (en) | In generation, opens the data processing method of electronic certificate, system and capital management server | |
| CN106709802A (en) | Electronic voucher issuing method, system and device | |
| CN106372902A (en) | Certificate receipt method, apparatus, and system for electronic certificate | |
| CN106462836A (en) | Electronic certificate setting method, data interaction processing method, and device and system therefor | |
| CN106372916A (en) | Data processing method and apparatus for issuing electronic certificate regularly, and server | |
| TWM598986U (en) | System for paying online and inter-agency money transfer | |
| CA2993050C (en) | Electronic certificate receiving method, device and system | |
| WO2024108122A1 (en) | Systems and methods for processing cryptocurrency transactions | |
| Ledford et al. | Request for payment: Building block for payments transformation | |
| CN114026587A (en) | System and method for processing payment transaction through blockchain network | |
| TW202127335A (en) | System and method for cross-institutional money transfer of electronic payment capable of reducing the connecting cost and improving transaction and clearing efficiency |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20170201 |