CN106462836A - Electronic certificate setting method, data interaction processing method, and device and system therefor - Google Patents
Electronic certificate setting method, data interaction processing method, and device and system therefor Download PDFInfo
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- CN106462836A CN106462836A CN201580012812.0A CN201580012812A CN106462836A CN 106462836 A CN106462836 A CN 106462836A CN 201580012812 A CN201580012812 A CN 201580012812A CN 106462836 A CN106462836 A CN 106462836A
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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
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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
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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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
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
- G06Q20/127—Shopping or accessing services according to a time-limitation
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Abstract
An electronic certificate setting method, a data interaction processing method, and a device and system therefor, the electronic certificate setting method comprising: after sending an opening request for an electronic certificate to a first funds management server, a first participant sends a setting request for the electronic certificate to the first funds management server, the setting request comprising information of a period of validity to be set for the electronic certificate (101); in response to the setting request, the first funds management server, upon determining that the setting request satisfies a predetermined setting condition, resets a period of validity of the electronic certificate according to the information of the period of validity to be set (102); in response to the opening request, the first funds management server freezes funds in a specified account of the first participant which are equal to a limit carried by the opening request or supports credit in the specified account of the first participant which is equal to the limit carried by the opening request, and opens the electronic certificate (103). Via the described means, the period of validity of the electronic certificate can be set according to requirements.
Description
【Technical field】
The present invention relates to the method to set up of e-commerce field, more particularly to electronic certificate, data interactive processing method
And its device, system.
【Background technology】
With the development of Internet technology especially development of Mobile Internet technology, user can by mobile device use 2G,
The modes such as 3G, 4G or wifi connect the Internet be traded, the activity such as social activity, by Internet technology, user can be easily and effectively
Carry out Above-the-line, in E-business applications, traditional buyer, seller, logistics, finance etc. can not only be connected to one
Rise, the networking of the whole process of exchange of formation, electronization, informationization, reduce the cost of transaction, this is line to improve trading efficiency
Under incomparable experience.
But in existing E-business applications, the process of whole transaction mainly still relies on traditional means of payment, such as
Completed with the mode of Third-party payment by way of the direct payment by the transfer of accounts of electronics.Transaction form is excessively single, lacks personalization
Customization is it is impossible to customize the means of payment.And once transaction starts, then cannot change the parameter of its means of payment, such as effect duration.
Further, because user can realize the data interaction of various ways by the Internet, thus it is necessary to provide
Based on the data interactive processing method on line.
【Content of the invention】
The purpose of the embodiment of the present invention is method to set up and its device, the system providing electronic certificate, can arrange on demand
The effect duration of electronic certificate.
For solving above-mentioned technical problem, first technical scheme that the embodiment of the present invention adopts is：There is provided a kind of electronics with
The method to set up of card, including：First participation direction the first capital management server send electronic certificate open request after, then to
Described first capital management server sends the setting request of described electronic certificate, and wherein, described setting request includes described electricity
The effect duration information to be placed of sub- voucher；Described first capital management server response is described to be arranged request and is setting described in judgement
When putting request and meeting predetermined set condition, reset the effect duration of described electronic certificate according to described effect duration information to be placed；Institute
State first capital management server response described in open request and freeze opening with described in described first participant destiny account
The equal fund of amount that vertical request carries or opening request and carry with described in described first participant destiny account of drawing
The equal credit of amount, and open described electronic certificate.
For solving above-mentioned technical problem, second technical scheme that the embodiment of the present invention adopts is：There is provided a kind of electronics with
The method to set up of card, methods described includes：First capital management server receives the first participant and is sending opening of electronic certificate
The setting request of the described electronic certificate sending after vertical request, wherein, described setting request include described electronic certificate wait set
It is set effective phase information；Response described setting request and judge described arrange request meet predetermined set condition when, according to described
Effect duration information to be placed resets the effect duration of described electronic certificate；Open request described in response and freeze described first participant
Opening the equal fund of the amount that carries of request or draw in described first participant destiny account with described in destiny account
Open the equal credit of the amount that carries of request with described, and open described electronic certificate.
For solving above-mentioned technical problem, the 3rd technical scheme that the embodiment of the present invention adopts is：There is provided a kind of electronics with
The setting system of card, including：First participation terminal, for first capital management server send electronic certificate open request
Afterwards, then to described first capital management server send the setting request of described electronic certificate, wherein, described setting request includes
The effect duration information to be placed of described electronic certificate；Described first capital management server is used for, response described setting request and
When judging that described setting request meets predetermined set condition, reset described electronic certificate according to described effect duration information to be placed
Effect duration, and open request described in responding and freeze in described first participation terminal user's destiny account please with described opening
Ask the equal fund of the amount carrying or opening request and take with described in described first participation terminal user's destiny account of drawing
The equal credit of amount of band, and open described electronic certificate.
For solving above-mentioned technical problem, the 4th technical scheme that the embodiment of the present invention adopts is：A kind of fund pipe is provided
Reason server, including：Receiver module, for receive the first participation terminal send electronic certificate open request after send institute
State the setting request of electronic certificate, wherein, described setting request includes the effect duration information to be placed of described electronic certificate；Setting
Module, for respond described setting request and judge described arrange request meet predetermined set condition when, wait to set according to described
The phase information of being set effective resets the effect duration of described electronic certificate；Open module, freeze for opening request described in responding described
Opening the equal fund of the amount that carries of request or drawing described first with described in first participation terminal user's destiny account
Open the equal credit of the amount that carries of request with described in participation terminal user's destiny account, and open described electronics with
Card.
In the method to set up of above-mentioned electronic certificate and relevant apparatus, the scheme of system, the first participant is in the first money management
During server opens electronic certificate, electronic certificate can be sent to the first capital management server according to self-demand
The setting request of effect duration, the first capital management server under determining this setting request effectively, according to this first participant
Setting request was reseted to the effect duration of electronic certificate, therefore achieved effect duration that is effective, arranging electronic certificate on demand, due to
This electronic certificate is opened with freezing the first participant corresponding amount fund or drawing corresponding amount credit, therefore can conduct
The fund voucher of online trading, reduces the risk of online trading, and when the first participant needs to change the effective of electronic certificate
During the phase, need not again open electronic certificate, that is, simplify operation, therefore improve the efficiency of transaction, accelerate e-commerce initiative, and
Improve the experience of user.And this electronic certificate is opened by capital management server, rich real based on capital management server
Power and counter power, the self-disciplining that the second participant can be strengthened to coordinate whole flow process, also further reduce risk.
The purpose of the embodiment of the present invention is to provide a kind of data interactive processing method and system.
For solving above-mentioned technical problem, the 5th technical scheme that the embodiment of the present invention adopts is：A kind of data is provided to hand over
Mutually processing method, methods described includes：First terminal sends the opening after request of data voucher to first server, then to described
First server send described data voucher setting request, wherein, described setting request include described data voucher wait set
It is set effective phase information；Described first server response described setting request and judging described to arrange request and meet predetermined set bar
The effect duration of described data voucher during part, is reseted according to described effect duration information to be placed；Described first server response is described
Open request and set up with the data cell of described first terminal in ask the data value that carries equal in magnitude with described opening
Data correlation relation, and open described data voucher.
For solving above-mentioned technical problem, the 6th technical scheme that the embodiment of the present invention adopts is：A kind of data is provided to hand over
Mutually processing system, including：First terminal, for send to first server data voucher open request after, to described the
One server sends the setting request of described data voucher, and wherein, described setting request includes the to be placed of described data voucher
Effect duration information；Described first server, makes a reservation for set judging that described setting request meets for responding described setting request
When putting condition, reset according to described effect duration information to be placed the effect duration of described data voucher, and open request described in responding
And set up with the data cell of described first terminal in open the equal-sized data of data value that request carries and close with described
Connection relation, and open described data voucher.
During first terminal opens data voucher in first server, can be according to self-demand, to first server
Send the setting request of the effect duration of data voucher, first server under determining this setting request effectively, according to this first eventually
The setting request at end was configured to the effect duration of data voucher, therefore achieved effect duration that is effective, arranging data voucher on demand,
Due to establishing the data correlation relation of corresponding data value between server and first terminal during opening this data voucher,
Therefore achieve based on the data interaction on line, and when first terminal needs the effect duration changing data voucher, need not again open
Vertical data voucher, that is, simplify operation, therefore improve the efficiency of data interaction on line, improve the experience of user.And the first clothes
Business device, after setting up the data correlation relation equal with the numerical values recited of described data voucher with first terminal, opens described number
According to voucher, be conducive to first terminal to the overall arrangement of data and use, improve the utilization rate of data.
【Brief description】
Fig. 1 is the schematic flow sheet of method to set up one embodiment of electronic certificate of the present invention；
Fig. 2 is the schematic flow sheet of another embodiment of method to set up of electronic certificate of the present invention；
Fig. 3 is the structural representation of setting system one embodiment of electronic certificate of the present invention；
Fig. 4 is the structural representation of another embodiment of setting system of electronic certificate of the present invention；
Fig. 5 is the structural representation of capital management server one embodiment of the present invention；
Fig. 6 is the schematic flow sheet of data interactive processing method one embodiment of the present invention；
Fig. 7 is the structural representation that data interaction processing system of the present invention unifies embodiment.
【Specific embodiment】
Below describe in, in order to illustrate rather than in order to limit it is proposed that such as particular system structure, interface, technology it
The detail of class, thoroughly to understand the application.However, it will be clear to one skilled in the art that not having these concrete
The application can also be realized in the other embodiment of details.In other situations, omit to well-known device, circuit with
And the detailed description of method, in order to avoid unnecessary details hinders the description of the present application.
For ease of understanding, first electronic certificate defined in the present invention is illustrated.
Electronic certificate is the first participant using its account fund or the accrediting amount as guarantee fund to the first capital management
Server application is simultaneously opened by the first capital management server, and promises to undertake and hold according to the electronic credit that agreed terms is settled accounts
Promise evidence for payment.This accrediting amount be, for example, this first capital management server give this first participant credit line or
The fund corresponding to real estate that this first participant is mortgaged in this first capital management server.
This electronic certificate is used for capital management on the first participant and the line of the second participant, such as the first participant and second
The commodity of participant or service transacting, or mortgage, such as first participation direction the first capital management server issue electronics with
Card, in this, as the guarantee of the second participant loan.
Refer to Fig. 1, Fig. 1 is the schematic flow sheet of method to set up one embodiment of electronic certificate of the present invention.This enforcement
Method flow shown in mode includes：
101：First participation direction the first capital management server send electronic certificate open request after, then to this first
Capital management server send this electronic certificate setting request, wherein, this setting request include described electronic certificate wait set
It is set effective phase information.
In one embodiment, the first participant and the request of the second participant form the order based on this second participant commodity
When or for prepare formed this order when, first participant ask the first capital management server open this electronic certificate.Wherein, should
Open request and include the amount of this electronic certificate, the identity information of the first participant, payment accounts information etc..Alternatively, first
Capital management server receive the first participant open request after, generate and include the pre- of content that this opens request and open L/C
Information, and be sent to the first participant, to obtain after the confirmation of this first participant, then starts to open this electronic certificate.
Wherein, this opens the information that card side is the second participant of receiving that request may also include this electronic certificate, such as contact electricity
The identity informations such as words, mailbox, identification card number, and micro-signal, the social accounts information such as No. QQ, receive in time in order to the second participant
Take this electronic certificate.It is understood that in another embodiment, open request and also may not include the information receiving card side, this
When, the participant of this electronic certificate information of any acquisition can be all the receipts card side of this electronic certificate.
First capital management server is carrying out opening the process of electronic certificate according to the opening request of the first participant
In, the effect duration of electronic certificate was initialized according to locally stored default effect duration, or this is opened request and also includes
Original expiration date information, the first capital management server is according to the effect duration of this original expiration date information initializing electronic certificate.
When the first participant is if any the needs of the effect duration changing this electronic certificate, then send this electronics to the first capital management server
The effect duration setting request of voucher, so that the first capital management server asks the effect duration of electronic certificate is entered according to this setting
Row modification.
In a concrete application example, this first participant is sending opening of electronic certificate to the first capital management server
Ask the concrete steps asked to the setting sending this electronic certificate can be also above-mentioned 101 to may particularly include following steps：
A, the first participant to first capital management server send electronic certificate open request；
B, the first capital management server responds this and opens request and generate and comprise described the pre- of original expiration date information and open
Card information, and this pre- information of opening L/C is sent to this first participant；
Wherein, this pre- original expiration date information opened L/C in information can be carrying in request or by the first fund for opening
Management server locally prestores.Specifically, when opening the identity information that request includes the first participant, the first capital management clothes
Business device, when the identity information verification to this first participant is passed through, just responds this and opens request and generate and comprise described original to have
The pre- information of opening L/C of effect phase information, wherein, to the verification of the identity information of the first participant by may include the first participant be
First capital management server has related account, and the identity information of this first participant is effective, and/or this first ginseng
With side do not have bad credit record or be white list user.In addition, the first capital management management server also can be according to the first ginseng
Determine whether whether the first participant belongs to specific group with square identity information, such as minor, belonging to specific group
When, whether the amount of the corresponding electronic certificate judging application meets the amount upper limit of this colony, such as forbids that minor applies for
Electronics promise to undertake that the amount of voucher more than 2000 etc., such as meets, then verification is passed through.
C, the first participant obtains this pre- this original expiration date information opened L/C in information, and to this first capital management clothes
Business device sends the setting request of described electronic certificate.For example, the first participant judges that this original expiration date information is wrong or base
Need to reset the effect duration information of this electronic certificate in other reasonses, then send this setting request.
102：Described first capital management server response described setting request and judge described arrange request meet pre-
Surely, when condition is set, reset the effect duration of described electronic certificate according to described effect duration information to be placed.
Wherein, this setting request includes the mark of this electronic certificate and effect duration information to be placed.For example, the first fund clothes
Business device determines the electronic certificate needing to arrange effect duration according to this mark, and judges to arrange this effect duration letter to be placed in request
When ceasing for expiration date, by the effect duration of this electronic certificate to should effect duration information to be placed reset.Certainly, predetermined
Setting condition also can adjust as the case may be, such as sends the time not less than this electronic certificate effect duration for what this setting was asked
Can the date be set, be not limited thereto.
Specifically, this electronic certificate is divided into several functional periods in advance according to transaction flow, and such as electronic certificate is being opened
After the completion of, include receiving card phase, the phase of honouring an agreement, sign for phase, solution pair phase, clearance phase according to sequential.This receipts card phase is in the second participant Shen
Please receive the time limit of card, overdue do not apply for receive card then this electronic certificate lost efficacy, receive card after electronic certificate enter honour an agreement the phase；The phase of honouring an agreement is
Second participant is submitted to the time limit of information such as delivery information of honouring an agreement, overdue do not submit the information of honouring an agreement then this electronic certificate inefficacy to, carry
Friendship electronic certificate after information of honouring an agreement enters and signs for the phase；Sign for the phase be second participant request thaw and obtain this first participant with
In the time limit of the equal fund of this electronic certificate amount, overdue submission to applies for that solution is paid information and such as signed for information then this electronic certificate mistake
Effect, after submitting to application solution to pay information, electronic certificate enters solution and pays the phase；Solution pays the request that the phase is for this second participant, the first money
Golden management server thaw this first participant fund equal with this electronic certificate amount and pass through the second capital management service
Device is transferred to the time limit of the second participant, and overdue solution pays then this electronic certificate inefficacy, and after solution is paid, an electronic certificate enters the clearance phase；
The clearance phase is that the second participant is by the time limit of recovery of funds first participant as when returning goods in Fail Transaction.This electronics
Total effect duration of voucher is total effect duration in transaction flow for this electronic certificate, and this total effect duration is more than or equal to this electronics
The effect duration sum of each functional period of voucher.
The effect duration of above-mentioned electronic certificate can be absolute date, and such as total expiration date is 2015 6 more 12 days；Or it is phase
To the time, such as open successfully inefficacy in latter 30 days in electronic certificate.
In above-mentioned 102, described setting request in described electronic certificate effect duration information to be placed include electronics with
Total effect duration of card, the effect duration of each described functional period of described electronic certificate, the priority letter of setting described total effect duration
The precedence information of the effect duration of breath and each functional period of setting.Described reset according to described effect duration information to be placed described
The step of the effect duration of electronic certificate may particularly include：
First capital management server is higher than that described setting is total judging the described priority arranging each functional period effect duration
During the priority of effect duration, according to described effect duration information to be placed, first reset the having of each functional period of described electronic certificate
The effect phase, then reset total effect duration of described electronic certificate；Judging that the described priority arranging total effect duration is higher than described setting
During the priority of each functional period effect duration, according to described effect duration information to be placed, first reset the always effective of described electronic certificate
Phase, then reset the effect duration of each functional period of described electronic certificate.
For example, total effect duration that the effect duration information of electronic certificate a includes electronic certificate a is 30 days, the receipts of electronic certificate a
The card phase is 1 day, the phase of honouring an agreement is 7 days, sign for the phase is 7 days, solution pay the phase be 1 day, the clearance phase be remaining effectively natural law, setting described total
The priority of effect duration is less than the priority of the effect duration arranging each functional period.First capital management server according to this electronics with
The effect duration information of card a, first by the receipts of electronic certificate a demonstrate,prove phase, the phase of honouring an agreement, sign for the phase, solution pays a phase, the clearance phase is sequentially reset to 1
My god, 7 days, 7 days, 1 day, 14 days, then reset electronic certificate a total effect duration be 30 days.
Further, the step of the effect duration of above-mentioned each functional period reseting described electronic certificate includes：By described electricity
The effect duration of each functional period of sub- voucher is reset to the effective of the described functional period of correspondence in described effect duration information to be placed
Phase adds up remaining effect duration of its previous functional period upper, and wherein, the remaining effect duration of described previous functional period is reset described
Previous functional period effect duration and the difference actually accomplishing the phase of its previous functional period.
Again for example, the effect duration information as above example of electronic certificate a, the first capital management server is by first functional period
The effect duration fixation receiving the card phase is reset to 1 day, and the effect duration of remaining functional period is then set to dynamically, when the second participant essence
Receiving the card time is 0.5 day, then then accumulate within remaining 0.5 day and honour an agreement interim, that is, effect duration of phase of honouring an agreement is 7.5 days, in the same manner, when
Second participant submits the information of honouring an agreement after 3 days, then accumulate the phase of signing within remaining 4.5 days, that is, the effect duration signing for the phase is
11.5 days, the like.
103：Open request described in first capital management server response and freeze in described first participant destiny account
Open the equal fund of the amount that carries of request or opening with described in described first participant destiny account of drawing with described
The equal credit of amount that vertical request carries, and open described electronic certificate.
For example, the first capital management server receive the first participant open request after, and judge the first participation
When the amount of the fund/credit of square destiny account opens, not less than this, the amount that request carries, freeze described first participant and refer to
Determine opening the equal fund of the amount that carries of request or draw in described first participant destiny account with described in account
Open the equal credit of the amount that carries of request with described, and according to the content that this opens request, electronic certificate be configured,
Complete to open described electronic certificate, wherein, the effect duration of this electronic certificate is the effective of above-mentioned 102 this electronic certificate reseted
Phase.
Wherein, the fund/credit of this first participant destiny account be not limited to this capital management server opened up or
Storage.Fund/credit that this freezes is this first participant destiny account in this first capital management server or other moneys
The deposit of golden management server or the credit line or the specified account of this first participant that give this first participant destiny account
The fund corresponding to real estate of mortgage in family.
After completing to open this electronic certificate, this electronic certificate information is sent to the first ginseng by the first capital management server
With side.
For example, first participation direction the first capital management server application open 100,000 the request of electronic certificate after and
The effect duration setting request of electronic certificate before this electronic certificate is not opened and completed, is sent to the first capital management server,
Wherein, the effect duration information to be placed of this electronic certificate include total 30 days effect duration and each functional period effect duration be respectively 1,7,7,
1st, 1 day.First capital management server will be asked as after effectively judging this setting, according to this effect duration information setting to be placed
The effect duration of electronic certificate, and freeze on the destiny account of the first participant 100,000 fund, and open the electricity that amount is 100,000
Sub- voucher.During the transaction of the first participant and the second participant, electronic certificate information is sent to the second participant, the second participation
After direction first participant fulfils agreement, to second capital management server request receive card, the second capital management server according to
This receipts card request, notify first capital management server thaw the first participant destiny account under 100,000 funds, and by this 10
Ten thousand funds are transferred under the destiny account of the second participant, that is, achieve capital management on the line based on transaction.
In above-described embodiment, this first capital management server is the account fund management server of the first participant, should
Second capital management server is the account fund management server of the second participant.Further, this first capital management service
Device can be the capital management server of Bank One Corp., and this second capital management server can be the capital management service of secondary bank
Device.Or, this first capital management server and this second capital management server can be also same capital management service
Device.This first participant and the second participant are a client or the terminal executing this client, accordingly, this first participation
The destiny account of side is the account that this first participant user specifies, and the destiny account of the second participant is the second participant user
The account specified.
In an Application Example, electronic certificate can refer to bank according to the application frozen capital of opener or credit volume of drawing
Degree is simultaneously opened with bank's name, and promises to undertake the electronic credit acceptance and guarantee voucher settled accounts according to agreed terms.Accordingly, should
Electronic certificate basic service flow process is：Opening Bank according to the application of opener freeze required number fund with open electronics with
Fund solution, when agreement solution is paid condition and reached, is paid by Opening Bank and is handled payment and settlement by card.
It is understood that only exemplary illustrated first participant of above-described embodiment during electronic certificate is opened once
Reset the mode of this electronic certificate effect duration, but in other embodiments, the first participant can be according to said method to this electronics
The effect duration of voucher carries out many last resets.
Refering to Fig. 2, Fig. 2 is the schematic flow sheet of another embodiment of method to set up of electronic certificate of the present invention.This enforcement
Method flow shown in mode includes：
201：First capital management server receive the first participant send electronic certificate open request after send
The setting request of described electronic certificate, wherein, described setting request includes the effect duration information to be placed of described electronic certificate.
This is opened request and includes the amount of this electronic certificate, the identity information of the first participant, payment accounts information etc..Should
Open the receipts card side i.e. information of the second participant that request may also include this electronic certificate, collect in time in order to the second participant
This electronic certificate.Or, open request and also may not include the information receiving card side, now, any this electronic certificate information of acquisition
Participant can be all the receipts card side of this electronic certificate.
In a concrete application example, above-mentioned 201 may particularly include following steps：
A, first capital management server receive first participant send electronic certificate open request；
B, the first capital management server responds this and opens request and generate and comprise described the pre- of original expiration date information and open
Card information, and this pre- information of opening L/C is sent to this first participant；
Wherein, this pre- original expiration date information opened L/C in information can be carrying in request or by the first fund for opening
Management server locally prestores.Specifically, when opening the identity information that request includes the first participant, the first capital management clothes
Business device, when the identity information verification to this first participant is passed through, just responds this and opens request and generate and comprise described original to have
The pre- information of opening L/C of effect phase information.
C, the first capital management server receives the first participant and is obtaining this pre- this original expiration date opened L/C in information
The setting request of the described electronic certificate sending after information.
202：The described setting of first capital management server response is asked and is made a reservation for set judging that described setting request meets
The effect duration of described electronic certificate when putting condition, is reseted according to described effect duration information to be placed.
Wherein, this predetermined set condition be the effect duration information to be placed in setting request be expiration date, or this sets
Put arranged date etc. that transmission time of request is not less than this electronic certificate effect duration, be not limited thereto.
The effect duration of above-mentioned electronic certificate can be absolute date, and such as total expiration date is 2015 6 more 12 days；Or it is phase
To the time, such as open successfully inefficacy in latter 30 days in electronic certificate.
In above-mentioned 202, described setting request in described electronic certificate effect duration information to be placed include electronics with
Total effect duration of card, the effect duration of each described functional period of described electronic certificate, the priority letter of setting described total effect duration
The precedence information of the effect duration of breath and each functional period of setting.Described reset according to described effect duration information to be placed described
The step of the effect duration of electronic certificate may particularly include：First capital management server is judging that each functional period of described setting is effective
When the priority of phase is higher than the described priority arranging total effect duration, according to described effect duration information to be placed, first reset described
The effect duration of each functional period of electronic certificate, then reset total effect duration of described electronic certificate；Judging that described setting always has
When the priority of effect phase is higher than the described priority arranging each functional period effect duration, according to described effect duration information to be placed, first
Reset total effect duration of described electronic certificate, then the effect duration reseting each functional period of described electronic certificate.
Further, the step of the effect duration of above-mentioned each functional period reseting described electronic certificate includes：By described electricity
The effect duration of each functional period of sub- voucher is reset to the effective of the described functional period of correspondence in described effect duration information to be placed
Phase adds up remaining effect duration of its previous functional period upper, and wherein, the remaining effect duration of described previous functional period is reset described
Previous functional period effect duration and the difference actually accomplishing the phase of its previous functional period.
203：Open request described in first capital management server response and freeze in described first participant destiny account
Open the equal fund of the amount that carries of request or opening with described in described first participant destiny account of drawing with described
The equal credit of amount that vertical request carries, and open described electronic certificate.
For example, the first capital management server receive the first participant open request after, and judge the first participation
When the amount of the fund/credit of square destiny account opens, not less than this, the amount that request carries, freeze described first participant and refer to
Determine opening the equal fund of the amount that carries of request or draw in described first participant destiny account with described in account
Open the equal credit of the amount that carries of request with described.
In the present embodiment, this first capital management server is the account fund management server of the first participant, and this
Two capital management servers are the account fund management server of the second participant.Further, this first capital management server
Can be the capital management server of Bank One Corp., this second capital management server can be the capital management service of secondary bank
Device.Or, this first capital management server and this second capital management server can be also same capital management service
Device.This first participant and the second participant are a client or the terminal executing this client, accordingly, this first participation
The destiny account of side is the account that this first participant user specifies, and the destiny account of the second participant is the second participant user
The account specified.
Refering to Fig. 3, Fig. 3 is the structural representation of setting system one embodiment of electronic certificate of the present invention, the present embodiment
Each device of comprising of setting system of electronic certificate be used for executing each step in the corresponding embodiment of Fig. 1, specifically refer to Fig. 1
And the corresponding embodiment of Fig. 1, do not repeat herein.The setting system 400 of the electronic certificate of present embodiment includes the first participation
Terminal 401 and the first capital management server 402,
First participation terminal 401, for the first capital management server 402 send electronic certificate open after request,
Send the setting request of described electronic certificate again to described first capital management server 402, wherein, described setting request includes
The effect duration information to be placed of described electronic certificate；
First capital management server 402, for respond described setting request and judge described arrange request meet pre-
Surely when condition is set, reset according to described effect duration information to be placed the effect duration of described electronic certificate, and open described in responding
Request and freeze to open the equal money of the amount that carries of request with described in described first participation terminal 401 user's destiny account
Gold or draw and open the equal credit of the amount that carries of request with described in described first participation terminal user's destiny account, and
Open described electronic certificate.
In another embodiment as shown in Figure 4, this system also includes the second participation terminal 403 and the second capital management
Server 404.
This second participation terminal 403 be used for receive the first participation terminal 401 send electronic certificate information after, to second
Capital management server 404 sends receives card request；
Second capital management server 404 is used for demonstrate,proving request according to this receipts, notifies the first capital management server 402 to thaw
The equal fund of the amount with this electronic certificate in first participation terminal 401 user's destiny account or credit, and will be with this solution
The fund frozen or the equal fund of the accrediting amount are transferred in the second participation terminal 403 user's destiny account.
Refering to Fig. 5, Fig. 5 is the structural representation of capital management server one embodiment of the present invention.The money of the present embodiment
Each module that golden management server comprises is used for executing each step in the corresponding embodiment of Fig. 2, specifically refers to Fig. 2 and Fig. 2
Corresponding embodiment, does not repeat herein.This server 500 includes：Receiver module 501, setup module 502 and open module
503,
Receiver module 501, for receive the first participation terminal send electronic certificate open request after send described in
The setting request of electronic certificate, wherein, described setting request includes the effect duration information to be placed of described electronic certificate；
Setup module 502, for respond described setting request and judge described arrange request meet predetermined set condition
When, the effect duration of described electronic certificate is reseted according to described effect duration information to be placed；
Open module 503, freeze in described first participation terminal user's destiny account for opening request described in responding
With described open the equal fund of the amount that carries of request or draw in described first participation terminal user's destiny account with
Described open the equal credit of the amount that carries of request, and open described electronic certificate.
In the method to set up of above-mentioned electronic certificate and its device, the scheme of system, the first participant is in the first money management clothes
During electronic certificate opened by business device, having of electronic certificate can be sent to the first capital management server according to self-demand
The setting request of effect phase, the first capital management server under determining this setting request effectively, according to setting of this first participant
Put and ask the effect duration of electronic certificate is reseted, therefore achieve effect duration effective, that electronic certificate is set on demand, due to this
Electronic certificate is opened with freezing the first participant corresponding amount fund or drawing corresponding amount credit, therefore can be used as line
The fund voucher of upper transaction, reduces the risk of online trading, and when the first participant needs to change the effect duration of electronic certificate
When, need not again open electronic certificate, that is, simplify operation, therefore improve the efficiency of transaction, accelerate e-commerce initiative, and change
The experience of kind user.Rich strength and this electronic certificate is opened by capital management server, based on capital management server
With counter power, the self-disciplining that the second participant can be strengthened to coordinate whole flow process, also further reduce risk.In addition, the present invention
Also enrich the multiformity of capital management on line, enrich mode of doing business.
Refering to Fig. 6, Fig. 6 is the schematic flow sheet of data interactive processing method one embodiment of the present invention.This embodiment
The method flow illustrating includes：
601：First terminal is opened after request to first server transmission data voucher, then sends out to described first server
The setting sending described data voucher is asked, and wherein, described setting request includes the effect duration information to be placed of described data voucher.
This data voucher of the present invention may be defined as the data association pre-building between first terminal and first server
The quantification tool of relation.That is, this data voucher is used for representing that between first terminal and first server, built vertical data association closes
The data volume of system, specifically such as, pre-builds the data correlation relation of 100,000 data, then between first terminal and first server
This data voucher is this 100,000 sign.
This is opened request and includes the data value of this data voucher sign, identification information of first terminal etc..This opens request
May also include this data voucher receives the card side i.e. identification information of second terminal, in order to second terminal collect in time this data with
Card.Or, open request and also may not include the information receiving card side, now, any terminal use obtaining this data credential information
It can be all the receipts card side of this data voucher.
In a concrete application example, above-mentioned 601 may particularly include following steps：
A, the data voucher that first terminal sends to first server open request；
B, first server responds this and opens request and generate the pre- information of opening L/C comprising described original expiration date information, and
This pre- information of opening L/C is sent to this first terminal；
Wherein, this pre- original expiration date information opened L/C in information can be carrying in request or by first service for opening
Device locally prestores.Specifically, when opening the identification information that request includes first terminal, first server is to this first terminal
Identification information verification when passing through, just respond this and open request and generate the pre- letter of opening L/C comprising described original expiration date information
Breath.
C, first terminal, after obtaining this pre- this original expiration date information opened L/C in information, sends institute to first server
State the setting request of data voucher.
602：First server response described setting request and judge described arrange request meet predetermined set condition when,
Reset the effect duration of described data voucher according to described effect duration information to be placed.
Wherein, this predetermined set condition be the effect duration information to be placed in setting request be expiration date, or this sets
Put arranged date etc. that transmission time of request is not less than data voucher effect duration, be not limited thereto.
The effect duration of above-mentioned data voucher can be absolute date, and such as total expiration date is 2015 6 more 12 days；Or it is phase
To the time, such as open successfully inefficacy in latter 30 days in data voucher.
In above-mentioned 602, described setting request in described data voucher effect duration information to be placed include data with
Total effect duration of card, the effect duration of each described functional period of described data voucher, the priority letter of setting described total effect duration
The precedence information of the effect duration of breath and each functional period of setting.When second terminal data voucher some functional period not
Complete corresponding function operation within its effect duration, then this data voucher lost efficacy, when second terminal is in a certain function of data voucher
Complete corresponding function operation in phase, then enter next functional period.If described reset institute according to described effect duration information to be placed
The step stating the effect duration of data voucher may particularly include：First server is judging the excellent of described setting each functional period effect duration
First level be higher than described arrange total effect duration priority when, according to described effect duration information to be placed, first reset described data with
The effect duration of each functional period of card, the more total effect duration reseting described data voucher；Judging described setting total effect duration
When priority is higher than the described priority arranging each functional period effect duration, according to described effect duration information to be placed, first reset institute
State total effect duration of data voucher, then the effect duration reseting each functional period of described data voucher.
Further, the step of the above-mentioned effect duration of each functional period reseting described data voucher includes：By described number
It is reset to the effective of the described functional period of correspondence in described effect duration information to be placed according to the effect duration of each functional period of voucher
Phase adds up remaining effect duration of its previous functional period upper, and wherein, the remaining effect duration of described previous functional period is reset described
Previous functional period effect duration and the difference actually accomplishing the phase of its previous functional period.This set-up mode concrete similar with above-mentioned electronics with
Set-up mode in the method to set up embodiment of card, therefore not to repeat here.
603：Open request described in first server response and set up with the data cell of described first terminal in institute
State and open the equal-sized data correlation relation of data value that request carries, and open described data voucher.
For example, first server receive first terminal open request after, and judge the data cell of first terminal
In data value be not less than when opening data value that request carries, set up and open request and carry with described with described first terminal
The equal-sized data correlation relation of data value, and according to the content that this opens request, data voucher is configured, complete out
Found described data voucher.
Below the data interactive processing method in embodiment of the present invention is illustrated.
For example, the terminal that this first terminal uses for user A, the terminal that this second terminal uses for user B.User A is
The manager of multiple client, and there is a corresponding password for executing the authority of manager for each client.Visitor
Family end can be that personal computer, panel computer, smart mobile phone etc. can carry out data interaction by network and server
Equipment.When user B asks the password obtaining the administrator right of the one of client of user A such as first client, use
Family A outputs data voucher to first server application.Wherein, the administrator's password of user A is all saved in first server, should
Data voucher can be user A manage the first client when Operation Log such as number of operations, in order to prove user A safe,
Reliability.
During first server opens this data voucher, user A needs to change user B acquisition the first client
The effective time of administrator right flow process, then send the effect duration of modification data voucher to first server, and first server is true
Determine the setting request of user A rationally, then the effect duration of data voucher is configured according to the request of user A.First server
After completing to open this data voucher, user A then cannot be modified to the effect duration of data voucher, now, first server root
Freeze the administrator right to the first client for the user A according to the related content of data voucher, i.e. user A will be unable to using correspondence
Password the first client is managed.Meanwhile, this data credential information is sent to user B by first server.As user B
When needing the password obtaining the administrator right of this first client, to first server send obtain password request, second
Server obtains the password of the administrator right of the first client according to the related content of this data voucher, and passes through first service
Device is sent to user B.
Further, first terminal and first server are set up the data of incidence relation and be can also be lteral data, audio frequency
Funds data of data, video data, routine data or financial field etc., if funds data, such as fund, then now
One terminal use can be the seller, and second terminal user can be buyer, and server is capital management server, for example, bank.If
It is voice data, such as song, now first terminal and second terminal can be the visitors that mobile phone etc. has multi-media player function
Family end, server is music site server.
Refering to Fig. 7, Fig. 7 is the structural representation of data interaction system one embodiment of the present invention, the data of the present embodiment
Each device that interaction process system comprises is used for executing each step in the corresponding embodiment of Fig. 6, specifically refers to Fig. 6 and Fig. 6
Corresponding embodiment, does not repeat herein.The data interaction system 700 of present embodiment includes first terminal 701 and the first clothes
Business device 702,
First terminal 701, for sending the opening after request of data voucher to first server 702, then to described first
Server 702 sends the setting request of described data voucher, and wherein, described setting request includes the to be placed of described data voucher
Effect duration information；
First server 702, for respond described setting request and judge described arrange request meet predetermined set bar
During part, according to the effect duration of described effect duration information to be placed described data voucher to be placed, and open request described in responding and
Set up with the data cell of described first terminal 702 in open the equal-sized data of data value that request carries and close with described
Connection relation, and open described data voucher.
This system 700 may also include：
Second terminal 703, for receiving this data voucher；
Second server 704, for the receipts card request according to second terminal 703, notice first server 702 releases and will
The equal data correlation relation of the data value with this data voucher between first terminal 701, and the data by first terminal 701
The data that the data value of this data voucher in unit is equal is transferred in the data cell of second terminal 703.
The present invention also provides the embodiment of another kind of data interactive processing method, and the method includes：
First server receive first terminal send data voucher open request after the described data voucher that sends
Setting request, wherein, described setting request includes the effect duration information to be placed of described data voucher.
First server response described setting request and judge described arrange request meet predetermined set condition when, according to
Described effect duration information to be placed resets the effect duration of described data voucher.
First server response described in open request and set up with the data cell of described first terminal in open with described
The equal-sized data correlation relation of data value that vertical request carries, and open described data voucher.
The present invention also provides the embodiment of data interaction processing meanss, and this device includes：
Receiver module, for receive first terminal send data voucher open request after send described data voucher
Setting request, wherein, described setting request includes the effect duration information to be placed of described data voucher；
Setup module, for respond described setting request and judge described arrange request meet predetermined set condition when,
Reset the effect duration of described data voucher according to described effect duration information to be placed；
Open module, set up for opening request described in responding with the data cell of described first terminal in described
Open the equal-sized data correlation relation of data value that request carries, and open described data voucher.
In above-mentioned data interaction scheme, during first terminal opens data voucher in first server, can be according to certainly
Body demand, sends the setting request of the effect duration of data voucher to first server, and first server is determining this setting request
Under effectively, according to the setting request of this first terminal, the effect duration of data voucher is configured, therefore achieves effectively, set on demand
Put the effect duration of data voucher, due to establishing respective counts between server and first terminal during opening this data voucher
According to the data correlation relation of value, therefore achieve based on the data interaction on line, and when first terminal needs to change data voucher
During effect duration, need not again open data voucher, that is, simplify operation, therefore improve the efficiency of data interaction on line, improve and use
The experience at family.And first server is setting up the data pass equal with the numerical values recited of described data voucher with first terminal
After connection relation, open described data voucher, be conducive to first terminal to the overall arrangement of data and use, improve the utilization of data
Rate.
The foregoing is only embodiments of the present invention, not thereby limit the scope of the claims of the present invention, every utilization is originally
Equivalent structure or equivalent flow conversion that description of the invention and accompanying drawing content are made, or directly or indirectly it is used in other correlations
Technical field, is included within the scope of the present invention.
Claims (10)
1. a kind of method to set up of electronic certificate is it is characterised in that the method comprising the steps of：
First participation direction the first capital management server send electronic certificate open request after, then to described first fund pipe
Reason server sends the setting request of described electronic certificate, and wherein, described setting request includes the to be placed of described electronic certificate
Effect duration information；
Described first capital management server response described setting request and judge described arrange request meet predetermined set bar
The effect duration of described electronic certificate during part, is reseted according to described effect duration information to be placed；
Described first capital management server response described in open request and freeze in described first participant destiny account with
Described opening asks the equal fund of the amount carrying or asking with described opening in described first participant destiny account of drawing
Ask the equal credit of the amount carrying, and open described electronic certificate.
2. method according to claim 1 is it is characterised in that described electronic certificate is divided in advance according to transaction flow
Several functional periods, the effect duration information to be placed of described electronic certificate includes total effect duration of described electronic certificate, described electricity
The effect duration of each described functional period of sub- voucher, the precedence information that described total effect duration is set and each functional period of setting
Effect duration precedence information；
The step of the described effect duration reseting described electronic certificate according to described effect duration information to be placed includes：
When judging that the described priority arranging each functional period effect duration is higher than the described priority arranging total effect duration, according to institute
State effect duration information to be placed, first reset the effect duration of each functional period of described electronic certificate, then reset described electronic certificate
Total effect duration；
When judging that the described priority arranging total effect duration is higher than the described priority arranging each functional period effect duration, according to institute
State effect duration information to be placed, first reset total effect duration of described electronic certificate, then reset each function of described electronic certificate
The effect duration of phase.
3. method according to claim 2 is it is characterised in that step resets having of each functional period of described electronic certificate
The effect phase, including：
The effect duration of each functional period of described electronic certificate is reset to described in the correspondence in described effect duration information to be placed
The effect duration of functional period adds up and goes up the remaining effect duration of its previous functional period, wherein, the remaining effect duration of described previous functional period
The difference actually accomplishing the phase for described previous functional period effect duration of reseting and its previous functional period.
4. method according to claim 1 is it is characterised in that described first participant is to the first capital management server
Send electronic certificate opens the step arranging between request asked to sending described electronic certificate, specially：
First participant to first capital management server send electronic certificate open request；
Open request described in described first capital management server response and generate the original expiration date comprising described electronic certificate
The pre- information of opening L/C of information, and the described pre- information of opening L/C is sent to described first participant；
Described first participant obtains the described pre- described original expiration date information opened L/C in information, and to described first fund pipe
Reason server sends the setting request of described electronic certificate.
5. method according to claim 4 is it is characterised in that described open the body that request also includes described first participant
Part information,
Open described in described first capital management server response and ask and generation comprises described the pre- of original expiration date information and opens
The step of card information includes：
Described first capital management server, when the identity information verification to described first participant is passed through, is opened described in response
Ask and generate the pre- information of opening L/C comprising described original expiration date information.
6. a kind of method to set up of electronic certificate is it is characterised in that the method comprising the steps of：
First capital management server receive the first participant send electronic certificate open request after send described electronics
The setting request of voucher, wherein, described setting request includes the effect duration information to be placed of described electronic certificate；
Response described setting request and when judging that described setting request meets predetermined set condition, according to described to be placed effective
Phase information resets the effect duration of described electronic certificate；
Open request described in response and freeze to open the amount that carries of request with described in described first participant destiny account
Equal fund or draw and open the equal credit of the amount that carries of request with described in described first participant destiny account,
And open described electronic certificate.
7. a kind of setting system of electronic certificate is it is characterised in that described system includes：
First participation terminal, for sending the opening after request of electronic certificate to the first capital management server, then to described the
One capital management server sends the setting request of described electronic certificate, and wherein, described setting request includes described electronic certificate
Effect duration information to be placed；
Described first capital management server is used for, and the described setting of response is asked and made a reservation for set judging that described setting request meets
When putting condition, reset according to described effect duration information to be placed the effect duration of described electronic certificate, and open request described in responding
And freeze in described first participation terminal user's destiny account with described open the equal fund of the amount that carries of request or
With opening the equal credit of the amount that carries of request with described in described first participation terminal user's destiny account, and open institute
State electronic certificate.
8. a kind of capital management server is it is characterised in that described server includes：
Receiver module, for receive the first participation terminal send electronic certificate open request after send described electronic certificate
Setting request, wherein, described setting request includes the effect duration information to be placed of described electronic certificate；
Setup module, for respond described setting request and judge described arrange request meet predetermined set condition when, according to
Described effect duration information to be placed resets the effect duration of described electronic certificate；
Open module, freeze for opening request described in responding in described first participation terminal user's destiny account with described
Open the equal fund of the amount that carries of request or opening with described in described first participation terminal user's destiny account of drawing
Ask the equal credit of the amount that carries, and open described electronic certificate.
9. a kind of data interactive processing method is it is characterised in that the method comprising the steps of：
First terminal is opened after request to first server transmission data voucher, then sends described number to described first server
According to the setting request of voucher, wherein, described setting request includes the effect duration information to be placed of described data voucher；
Described first server response described setting request and judge described request be set meet predetermined set condition when, according to
Described effect duration information to be placed resets the effect duration of described data voucher；
Open request described in the response of described first server and set up with the data cell of described first terminal in open with described
The equal-sized data correlation relation of data value that vertical request carries, and open described data voucher.
10. a kind of data interaction processing system is it is characterised in that described system includes：
First terminal, for first server send data voucher open request, then to described first server send
The setting request of described data voucher, wherein, described setting request includes the effect duration information to be placed of described data voucher；
Described first server, for respond described setting request and judge described arrange request meet predetermined set condition
When, reset according to described effect duration information to be placed the effect duration of described data voucher, and open request described in responding and set up
Open the equal-sized data correlation relation of data value that request carries with the data cell of described first terminal with described,
And open described data voucher.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084569 WO2017012002A1 (en) | 2015-07-21 | 2015-07-21 | Electronic certificate setting method, data interaction processing method, and device and system therefor |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106462836A true CN106462836A (en) | 2017-02-22 |
Family
ID=57833594
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201580012812.0A Pending CN106462836A (en) | 2015-07-21 | 2015-07-21 | Electronic certificate setting method, data interaction processing method, and device and system therefor |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106462836A (en) |
| CA (1) | CA2993529A1 (en) |
| WO (1) | WO2017012002A1 (en) |
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| WO2017012002A1 (en) | 2017-01-26 |
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Application publication date: 20170222 |