WO2016172919A1 - 网络交易信息处理方法和系统 - Google Patents

网络交易信息处理方法和系统 Download PDF

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Publication number
WO2016172919A1
WO2016172919A1 PCT/CN2015/077965 CN2015077965W WO2016172919A1 WO 2016172919 A1 WO2016172919 A1 WO 2016172919A1 CN 2015077965 W CN2015077965 W CN 2015077965W WO 2016172919 A1 WO2016172919 A1 WO 2016172919A1
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WO
WIPO (PCT)
Prior art keywords
dynamic information
terminal
identifier
transaction
payment
Prior art date
Application number
PCT/CN2015/077965
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English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date 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 date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to CA2986822A priority Critical patent/CA2986822C/en
Priority to PCT/CN2015/077965 priority patent/WO2016172919A1/zh
Priority to CA3110785A priority patent/CA3110785C/en
Publication of WO2016172919A1 publication Critical patent/WO2016172919A1/zh

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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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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

Definitions

  • the present invention relates to the field of electronic commerce, and in particular, to a method and system for processing network transaction information.
  • a method for processing network transaction information comprising:
  • the step of displaying a transaction page corresponding to the dynamic information voucher according to the identifier comprises:
  • the transaction page pops up for display.
  • the method before the step of receiving the identifier of the dynamic information credential corresponding to the dynamic information credential input by the first terminal, the method further includes:
  • the dynamic information credential carrying the identifier is issued.
  • the method before the step of retrieving the information data of the dynamic information credential according to the identifier, the method further includes:
  • step of acquiring the electronic credit commitment payment voucher corresponding to the first terminal according to the transaction instruction, and performing payment according to the preset payment condition of the electronic credit commitment payment voucher further including:
  • a network transaction information processing system comprising a first terminal and a server, wherein:
  • a server configured to display, according to the identifier, a transaction page corresponding to the dynamic information credential
  • the first terminal is further configured to use a transaction instruction sent by the transaction page;
  • the server is further configured to obtain an electronic credit commitment payment voucher corresponding to the first terminal according to the transaction instruction, and perform payment according to a preset payment condition of the electronic credit commitment payment voucher.
  • the server is further configured to retrieve the information data of the dynamic information voucher according to the identifier; generate a transaction page corresponding to the dynamic information voucher by using the retrieved information data; pop up the transaction page Show it.
  • the system further includes a second terminal for transmitting a request for generating a dynamic information credential, and inputting corresponding information data after the server receives the request for generating a dynamic information credential; the server further And generating, by using the information data, a corresponding dynamic information credential, where the dynamic information credential includes a corresponding identifier; and the dynamic information credential carrying the identifier is released.
  • the server is further configured to use a hash function to map an identifier of the dynamic information credential input by the first terminal to a point in the preset array; and determine whether the value corresponding to the mapped point is true. If yes, it is confirmed that the identifier of the dynamic information credential input by the first terminal is valid, and the information data of the dynamic information credential corresponding to the identifier is retrieved.
  • the first terminal or the second terminal is further configured to send a query request; the server is further configured to display a query result corresponding to the dynamic information credential according to the query request.
  • a network transaction information processing system includes a terminal and a server, the server including a processor and a storage medium, wherein the storage medium stores instructions, and when the instructions are executed by the processor, the processor may be executed The following steps:
  • One or more computer storage media containing computer executable instructions for performing a network transaction information processing method, the method comprising the steps of:
  • the identifier of the dynamic information credential input by the first terminal is received; the transaction page corresponding to the dynamic information credential is displayed according to the identifier; the transaction instruction sent by the first terminal through the transaction page is received; and the transaction instruction is obtained according to the transaction instruction
  • the electronic credit corresponding to the terminal promises payment vouchers, and the payment is made according to the preset payment terms of the electronic credit commitment payment vouchers.
  • the electronic credit commitment payment certificate corresponding to the first terminal can be used to perform payment according to the preset payment condition without jumping to the third-party payment platform, thereby This effectively simplifies the payment process and effectively increases the security of funds.
  • FIG. 1 is an application environment diagram of a method for processing network transaction information in an embodiment
  • FIG. 2 is a flow chart of a method for processing network transaction information in an embodiment
  • FIG. 3 is a schematic diagram of a dynamic information credential in an embodiment
  • FIG. 4 is a schematic structural diagram of a network transaction information processing system in an embodiment
  • FIG. 5 is a schematic structural diagram of a network transaction information processing system in another embodiment
  • FIG. 6 is a schematic structural diagram of a server in an embodiment.
  • the method provided by the embodiment of the present invention can be applied to an application environment as shown in FIG. 1.
  • the first terminal 102 communicates with the server 104 over the network 108.
  • the second terminal 106 communicates with the server 104 via the network 110.
  • the second terminal 106 transmits a request to generate a dynamic information credential to the server 104 via the network 110, and after accepting the request, the server 104 provides a page for generating a dynamic information credential.
  • the second terminal 106 logs in the page and inputs information data on the page, wherein the information data includes product information, transaction information, and the like, and the server 104 uses the information data to generate a dynamic information certificate carrying the identifier, and performs the dynamic information credential carrying the identifier. release.
  • Each dynamic information voucher corresponds to one item.
  • the first terminal 102 obtains the identification of the dynamic information voucher of the desired item on the page that issues the dynamic information voucher via the network 108.
  • the first terminal 102 inputs the acquired identifier on the page that issues the dynamic information credential, and the server 104 passes the AJAX (Asynchronous).
  • Javascript And XML Asynchronous JavaScript and XML, a web development technology for creating interactive web applications.
  • Asynchronous communication pops up a transaction page corresponding to a dynamic information credential.
  • the first terminal 102 sends a transaction instruction, such as "purchase", in the transaction page, and the server 104 obtains the pre-processed electronic credit commitment payment certificate corresponding to the first terminal, and performs payment according to the preset payment condition of the electronic credit commitment payment certificate. Thereby completing the network transaction. Since the transaction command sent by the first terminal is received in the transaction page, the electronic credit commitment voucher corresponding to the first terminal can be used for payment without jumping to the third-party payment platform, thereby effectively simplifying the network transaction. The payment process and effectively improve the security of the funds.
  • FIG. 2 is a schematic flowchart diagram of a method for processing network transaction information according to an embodiment of the present invention. It should be understood that although the various steps in the flowchart of FIG. 2 are sequentially displayed as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Except as explicitly stated herein, the execution of these steps is not strictly limited, and may be performed in other sequences. Moreover, at least some of the steps in FIG.
  • the method is applied to the server as an example, and specifically includes the following steps:
  • Step 202 Receive an identifier of a dynamic information credential input by the first terminal.
  • the dynamic information credential is a collection of information, including commodity information, transaction information, logistics information, order information, etc., which is generated by the seller (also referred to as the payee) in advance through the server to prove that the seller has completed the transaction payment obligation.
  • Each dynamic information voucher corresponds to one item.
  • Figure 3 a schematic diagram of a dynamic message credential is provided. These include product names, product prices, product images, logos, collection information, shipping and distribution.
  • the buyer can obtain the identifier of the dynamic information voucher corresponding to the required item by using the first terminal to display the page of the dynamic information voucher, and can input the identifier of the dynamic information voucher of the desired item on the page displaying the dynamic information voucher. Further, if there are more dynamic information credentials on the page displaying the dynamic information voucher, the buyer may also use the first terminal to input keywords and/or search conditions of the desired product to search, so as to quickly obtain the dynamics of the desired product.
  • Information voucher may also use the first terminal to input keywords and/or search conditions of the desired product to search
  • Step 204 Display a transaction page corresponding to the dynamic information voucher according to the identifier.
  • Dynamic information credentials are stored on the server or in a cloud database that is accessible to the server.
  • the step of displaying the transaction page corresponding to the dynamic information voucher according to the identifier comprises: retrieving the information data of the dynamic information voucher according to the identifier; generating the transaction page corresponding to the dynamic information voucher by using the retrieved information data; popping the transaction The page is displayed.
  • the server retrieves the information data of the dynamic information credential in the server or in the cloud database according to the identifier, and generates and dynamically generates the dynamic information credential according to the retrieved information data.
  • the transaction page corresponding to the information voucher The server pops up the transaction page for display via AJAX asynchronous communication.
  • Step 206 Receive a transaction instruction sent by the first terminal through the transaction page.
  • the transaction page display detailed information of the goods required by the buyer, including the product name, unique specific identification, trading rules, logistics information, insurance information, and so on.
  • the buyer uses the first terminal to input necessary information such as the quantity, the delivery address, and the like for purchasing the desired item.
  • the buyer uses the first terminal to input the necessary information for purchasing the required goods, and then clicks the transaction button on the transaction page to issue a transaction instruction to the server.
  • the trading instructions can be purchases, submissions, and the like.
  • Step 208 Acquire an electronic credit commitment payment voucher corresponding to the first terminal according to the transaction instruction, and perform payment according to a preset payment condition of the electronic credit commitment payment voucher.
  • the electronic credit commitment payment voucher is an electronic voucher used by the buyer to settle the account according to the preset payment conditions with the fund amount or the credit line of the bank account as a guarantee.
  • the electronic credit commitment payment voucher corresponding to the first terminal is the electronic credit commitment payment voucher issued by the buyer.
  • the electronic credit commitment payment certificate may include the buyer's bank account information and the default shipping address preset by the buyer.
  • the bank that the buyer has issued the electronic credit commitment payment certificate and the bank that applies for the dynamic information certificate may be the same bank or different banks.
  • the server obtains the electronic credit commitment payment voucher corresponding to the first terminal, determines whether the credit amount in the electronic credit commitment payment voucher is greater than the payment amount, and if so, freezes the funds in the electronic credit commitment payment voucher equal to the payment amount, and pays The page shows the amount of funds that have been frozen. If the amount of funds in the electronic credit commitment payment voucher is less than the payment amount, an error message is returned to the first terminal.
  • the server transfers the frozen funds to the seller collection account in the dynamic information voucher for payment, thereby completing a network transaction.
  • the default settlement conditions include the receipt of the default settlement, the receipt verification and payment, and the authorization of the other party.
  • the payment is also the payment.
  • the default payment by signing means that after the seller submits the receipt data, it can be solved without verification.
  • the receipt data includes buyer information, receipt of receipts and other data.
  • the receipt verification verification means that after the seller submits the receipt data, the buyer can verify the receipt data and then cancel the payment.
  • Authorizing the other party to pay is the third party authorized by the buyer and the seller to submit the receipt data, you can solve the payment without verification.
  • the buyer may return to the transaction page to cancel the transaction.
  • the server no longer continues to pay according to the default payment conditions and unfreezes the frozen funds. If the buyer is dissatisfied with the goods that have been received, the buyer can use the first terminal to input the identifier of the dynamic information voucher again within the preset time period, and click “return” on the transaction page popped up by the server. The server continues to freeze the frozen funds and does not pay. After the seller confirms receipt of the return, the server unfreezes the frozen funds.
  • the identifier of the dynamic information credential input by the first terminal is received; the transaction page corresponding to the dynamic information credential is displayed according to the identifier; the transaction instruction sent by the first terminal through the transaction page is received; and the first terminal is obtained according to the transaction instruction.
  • the electronic credit promises to pay the voucher and pay according to the default payment terms of the electronic credit commitment payment voucher.
  • the method before the step of receiving the identifier of the dynamic information credential corresponding to the dynamic information credential input by the first terminal, the method further includes: receiving a request for generating the dynamic information credential sent by the second terminal; The information data input by the second terminal is requested to be received; the corresponding dynamic information voucher is generated by using the information data, and the dynamic information voucher includes a corresponding identifier; and the dynamic information voucher carrying the identifier is released.
  • the seller uses the second terminal to send a request to the server to generate a dynamic information credential.
  • the server provides a dynamic information voucher setting page according to the request for generating the dynamic information voucher, and the seller inputs the information data on the dynamic information voucher setting page by using the second terminal, wherein the information data includes the seller information, the commodity information, the transaction rule, the payment information, and the physical information. Wait.
  • the server generates a corresponding dynamic information credential according to the information data input by the second terminal, where the generated dynamic information credential includes the information data input by the seller by using the second terminal and the corresponding identifier.
  • Each dynamic information credential has a unique identifier, which may be the number of the dynamic information credential, and the like.
  • Each dynamic information credential corresponds to only one or one type of merchandise.
  • the vendor may send a request for generating a dynamic information credential to the server by using an application (Application, APP for short) installed on the second terminal, and then submit the information data to the server by using the application.
  • the server generates a corresponding dynamic information credential according to the information data submitted by the application.
  • the server sends a notification to the second terminal that the dynamic information credential has been successfully generated.
  • the server directly publishes the dynamic information credential carrying the identifier through the network after generating the dynamic information credential.
  • the server may post the dynamic information credential carrying the identifier on the bank website to display the dynamic information credential through the network, and the server may also publish the link on the bank website of the dynamic information credential carrying the identifier to the third-party website through the network.
  • the server may also publish the link on the bank website of the dynamic information credential carrying the identifier to the third-party website through the network.
  • dynamic information credentials can be forwarded to different network environments. For example, it can be forwarded to a social network or the like.
  • the server may post the dynamic information credential carrying the identifier on the website of the bank website to display the dynamic information credential through the network, or A link to the bank's website is posted on a number of third-party websites.
  • the server can publish dynamic information credentials to a variety of different websites for display, it provides a new shopping model. The buyer can obtain the dynamic information credential of the required merchandise on a plurality of different websites, and as long as the identifier of the dynamic information credential is input on the page displaying the dynamic information credential, a transaction page corresponding to the dynamic information credential can be popped up, thereby saving The buyer's shopping time.
  • the server can count which websites through which the transaction has been posted.
  • the server can count all the transactions that have been sold, and also count the electronic transactions that have been sold by a single seller, and display the statistical results. Therefore, it is not only possible to use big data statistics to evaluate which websites publish dynamic information credentials, but also to use transaction record statistics for inter-bank balance clearing.
  • the method before the step of retrieving the information data of the dynamic information credential according to the identifier, the method further includes: mapping, by using a hash function, the identifier of the dynamic information credential input by the first terminal to a point in the preset array; Whether the value corresponding to the mapped point is true; if yes, confirming that the identifier of the dynamic information credential input by the first terminal is valid, and retrieving the information data of the dynamic information credential corresponding to the identifier.
  • the server verifies whether the identifier is valid. Specifically, the server may use a hash function to map the identifier of the dynamic information credential input by the first terminal to a point in the preset array; determine whether the value corresponding to the mapped point is true, that is, whether it is 1, if the mapped point If the corresponding value is true, it is confirmed that the identifier of the dynamic information credential input by the first terminal is valid. Otherwise, it is determined that the identifier is invalid.
  • the identifier of the received dynamic information credential is compared with the identifier of the pre-stored dynamic information credential, and the expression of the dynamic information credential input by the first terminal is verified.
  • the server After determining that the identifier of the dynamic information credential is valid, the server starts to retrieve the information data of the dynamic information credential corresponding to the identifier.
  • the method further includes: receiving the first terminal or the second The query request sent by the terminal; displaying the query result corresponding to the dynamic information credential according to the query request.
  • the buyer can use the first terminal or the seller to query the situation of the network transaction by using the second terminal.
  • the buyer can use the first terminal to query the transaction information, such as logistics information, refund information, etc., by inputting the identifier of the dynamic information voucher of the completed transaction on the page displaying the dynamic information voucher.
  • the buyer can also use the first terminal to scan the two-dimensional code of the dynamic information voucher of the completed transaction to query the transaction information.
  • the seller can use the second terminal to input the identifier of the dynamic information voucher of the completed transaction on the page displaying the dynamic information voucher to query the transaction information, such as logistics information, payment information, and the like.
  • the seller can also use the application installed on the second terminal to query the transaction information by scanning the two-dimensional code of the dynamic information voucher of the completed transaction, or by inputting the identifier of the dynamic information voucher of the completed transaction. This makes it easier for buyers and sellers to track the situation of online transactions.
  • a network transaction information processing system including a first terminal 402 and a server 404, wherein:
  • the first terminal 402 is configured to identify the identifier of the dynamic information credential.
  • the server 404 is configured to display a transaction page corresponding to the dynamic information credential according to the identifier. In one embodiment, the server 404 is further configured to retrieve the information data of the dynamic information voucher according to the identifier; generate the transaction page corresponding to the dynamic information voucher by using the retrieved information data; and pop up the transaction page for display.
  • the first terminal 402 is also used for transaction instructions sent via the transaction page.
  • the server 404 is further configured to obtain an electronic credit commitment payment voucher corresponding to the first terminal according to the transaction instruction, and perform payment according to a preset payment condition of the electronic credit commitment payment voucher.
  • the server receives the identifier of the dynamic information credential input by the first terminal, and can display the transaction page corresponding to the dynamic information credential. Since the first terminal sends the transaction instruction in the transaction page, the electronic credit commitment voucher corresponding to the first terminal can be used to perform payment according to the preset payment condition without jumping to the third-party payment platform, thereby being able to perform the payment in the network transaction. It effectively simplifies the payment process and effectively increases the security of funds.
  • the system further includes a second terminal 406 for transmitting a request for generating a dynamic information credential, and inputting corresponding information data after the server 404 receives the request for generating the dynamic information credential; the server 404
  • the utility model is further configured to generate a corresponding dynamic information credential by using the information data, wherein the dynamic information credential includes a corresponding identifier; and the dynamic information credential carrying the identifier is released.
  • the server after the server generates the corresponding dynamic information credential by using the information data input by the second terminal, the server sends the dynamic information credential carrying the identifier to a plurality of different websites for display, thereby providing a new shopping mode.
  • the buyer can obtain the dynamic information credential of the required merchandise on a plurality of different websites, and as long as the identifier of the dynamic information credential is input on the page displaying the dynamic information credential, a transaction page corresponding to the dynamic information credential can be popped up, thereby effectively Save shopping time.
  • the server 404 can count which websites through which the transaction has been posted.
  • the server 404 can perform statistics on all the transactions that have been sold, and can also count the electronic transactions that have been sold by a single seller, and display the statistical results. This makes it possible to use big data statistics to evaluate which websites publish dynamic information credentials better.
  • the server 404 is further configured to use a hash function to map the identifier of the dynamic information credential input by the first terminal 402 to a point in the preset array; determine whether the value corresponding to the mapped point is true; if yes, Then, it is confirmed that the identifier of the dynamic information credential input by the first terminal is valid, and the information data of the dynamic information credential corresponding to the identifier is retrieved.
  • a hash function to map the identifier of the dynamic information credential input by the first terminal 402 to a point in the preset array
  • the server 404 After determining that the identifier of the dynamic information credential is valid, the server 404 starts to retrieve the information data of the dynamic information credential corresponding to the identifier.
  • the first terminal 402 or the second terminal 406 is further configured to send a query request; the server 404 is further configured to display the query result corresponding to the dynamic information credential according to the query request.
  • the buyer can use the first terminal or the seller to query the situation of the network transaction by using the second terminal. This makes it easier for buyers and sellers to track the situation of online transactions.
  • a network transaction information processing system including a terminal and a server.
  • the server includes a processor and a storage medium.
  • the storage medium stores instructions.
  • the processor may cause the processor to perform the following steps. :
  • the identifier of the dynamic information credential input by the receiving terminal is a registered trademark of the receiving terminal.
  • a transaction page corresponding to the dynamic information voucher is displayed according to the identification.
  • the receiving terminal sends a transaction instruction through the transaction page.
  • the server includes a processor, a storage medium, a memory, and a network interface connected through a system bus.
  • the storage medium of the server stores an operating system, a database, and a network transaction information processing device, and the network transaction information processing device is configured to implement a network transaction information processing method applicable to the server.
  • the server's processor is used to provide computing and control capabilities that support the operation of the entire server.
  • the memory of the server provides an environment for the operation of the network transaction information processing device in the storage medium.
  • the network interface of the server is configured to communicate with an external terminal through a network connection, such as receiving an identifier of a dynamic information credential sent by the terminal, and displaying a transaction page corresponding to the dynamic information credential.
  • the server can be implemented by a separate server or by multiple servers, for example, the server can include a network transaction information processing server and a storage server.
  • One or more computer storage media containing computer executable instructions for performing a network transaction information processing method, the method comprising the steps of:
  • the storage medium may be a magnetic disk, an optical disk, or a read-only storage memory (Read-Only) Memory, ROM) or Random Access Memory (RAM).

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Abstract

本发明涉及一种网络交易信息处理方法。所述方法包括：接收第一终端输入的动态信息凭证的标识；根据所述标识展示与所述动态信息凭证对应的交易页面；接收第一终端通过所述交易页面发送的交易指令；根据所述交易指令获取第一终端对应的电子信用承诺支付凭证，并根据所述电子信用承诺支付凭证的预设解付条件进行支付。采用本方法能够在网络交易中有效简化付款流程并且提高资金安全性。此外还提供一种网络交易信息处理系统和计算机存储介质。

Description

网络交易信息处理方法和系统
【技术领域】
本发明涉及电子商务领域，特别是涉及一种网络交易信息处理方法和系统。
【背景技术】
随着网络技术的发展，网络交易也得到迅速发展。传统的网络交易中卖方通过第三方网络平台开设网络店铺，并通过网络店铺发布商品信息。买方进入网络店铺挑选商品，选中商品后下单购买，并通过第三方支付平台完成支付。在网络交易的数据处理过程中，通常需要跳转至第三方平台来完成支付。但第三方支付平台存在操作流程多、资金风险大等问题。因此，如何在网络交易中有效简化付款流程并且提高资金安全性是目前的一项技术难题。
【发明内容】
基于此，有必要针对上述技术问题，提供一种能够在网络交易中有效简化付款流程并且提高资金安全性的网络交易信息处理方法和系统。
一种网络交易信息处理方法，所述方法包括：
接收第一终端输入的动态信息凭证的标识；
根据所述标识展示与所述动态信息凭证对应的交易页面；
接收第一终端通过所述交易页面发送的交易指令；
根据所述交易指令获取第一终端对应的电子信用承诺支付凭证，并根据所述电子信用承诺支付凭证的预设解付条件进行支付。
在其中一个实施例中，所述根据所述标识展示与所述动态信息凭证对应的交易页面的步骤包括：
根据所述标识检索所述动态信息凭证的信息数据；
利用检索出的信息数据生成与所述动态信息凭证对应的交易页面；
弹出所述交易页面进行展示。
在其中一个实施例中，在所述接收第一终端输入的与动态信息凭证对应的动态信息凭证的标识的步骤之前，还包括：
接收第二终端发送的生成动态信息凭证的请求；
根据所述生成动态信息凭证的请求接收第二终端输入的信息数据；
利用所述信息数据生成对应的动态信息凭证，所述动态信息凭证中包括对应的标识；
将携带所述标识的动态信息凭证进行发布。
在其中一个实施例中，在所述根据所述标识检索所述动态信息凭证的信息数据的步骤之前，还包括：
利用哈希函数将第一终端输入的所述动态信息凭证的标识映射为预设阵列中的点；
判断映射后的点对应的值是否为真；
若是，则确认第一终端输入的所述动态信息凭证的标识有效，并检索与所述标识对应的动态信息凭证的信息数据。
在其中一个实施例中，在所述根据所述交易指令获取第一终端对应的电子信用承诺支付凭证，并根据所述电子信用承诺支付凭证的预设解付条件进行支付的步骤之后，还包括：
接收第一终端或第二终端发送的查询请求；
根据所述查询请求展示与所述动态信息凭证对应的查询结果。
一种网络交易信息处理系统，所述系统包括第一终端和服务器，其中：
第一终端，用于输入的动态信息凭证的标识；
服务器，用于根据所述标识展示与所述动态信息凭证对应的交易页面；
所述第一终端还用于通过所述交易页面发送的交易指令；
所述服务器还用于根据所述交易指令获取第一终端对应的电子信用承诺支付凭证，并根据所述电子信用承诺支付凭证的预设解付条件进行支付。
在其中一个实施例中，所述服务器还用于根据所述标识检索所述动态信息凭证的信息数据；利用检索出的信息数据生成与所述动态信息凭证对应的交易页面；弹出所述交易页面进行展示。
在其中一个实施例中，所述系统还包括第二终端用于发送生成动态信息凭证的请求，并在所述服务器接收所述生成动态信息凭证的请求后输入对应的信息数据；所述服务器还用于利用所述信息数据生成对应的动态信息凭证，所述动态信息凭证中包括对应的标识；将携带所述标识的动态信息凭证进行发布。
在其中一个实施例中，所述服务器还用于利用哈希函数将第一终端输入的所述动态信息凭证的标识映射为预设阵列中的点；判断映射后的点对应的值是否为真；若是，则确认第一终端输入的所述动态信息凭证的标识有效，并检索与所述标识对应的动态信息凭证的信息数据。
在其中一个实施例中，所述第一终端或所述第二终端还用于发送查询请求；所述服务器还用于根据所述查询请求展示与所述动态信息凭证对应的查询结果。
一种网络交易信息处理系统，包括终端与服务器，所述服务器包括处理器及存储介质，所述存储介质中储存有指令，所述指令被所述处理器执行时，可使得所述处理器执行以下步骤：
接收终端输入的动态信息凭证的标识；
根据所述标识展示与所述动态信息凭证对应的交易页面；
接收终端通过所述交易页面发送的交易指令；
根据所述交易指令获取终端对应的电子信用承诺支付凭证，并根据所述电子信用承诺支付凭证的预设解付条件进行支付。
一个或多个包含计算机可执行指令的计算机存储介质，所述计算机可执行指令用于执行一种网络交易信息处理方法，所述方法包括以下步骤：
接收终端输入的动态信息凭证的标识；
根据所述标识展示与所述动态信息凭证对应的交易页面；
接收终端通过所述交易页面发送的交易指令；
根据所述交易指令获取终端的电子信用承诺支付凭证，并根据所述电子信用承诺支付凭证的预设解付条件进行支付。
上述网络交易信息处理方法和系统，接收第一终端输入的动态信息凭证的标识；根据标识展示与动态信息凭证对应的交易页面；接收第一终端通过交易页面发送的交易指令；根据交易指令获取第一终端对应的电子信用承诺支付凭证，并根据电子信用承诺支付凭证的预设解付条件进行支付。通过接收第一终端输入的动态信息凭证的标识，即可展示与动态信息凭证对应的交易页面。由于在交易页面中接收到第一终端的交易指令后，无需跳转到第三方支付平台即可利用第一终端对应的电子信用承诺支付凭证根据预设解付条件进行支付，由此在网络交易中能够有效简化了付款流程并且有效提高了资金的安全性。
【附图说明】
为了更清楚地说明本发明实施例或现有技术中的技术方案，下面将对实施例或现有技术描述中所需要使用的附图作简单地介绍，显而易见地，下面描述中的附图仅仅是本发明的一些实施例，对于本领域普通技术人员来讲，在不付出创造性劳动的前提下，还可以根据这些附图获得其他实施例的附图。
图1为一个实施例中网络交易信息处理方法的应用环境图；
图2为一个实施例中网络交易信息处理方法的流程图；
图3为一个实施例中动态信息凭证的示意图；
图4为一个实施例中网络交易信息处理系统的结构示意图；
图5为另一个实施例中网络交易信息处理系统的结构示意图；
图6为一个实施例中服务器的结构示意图。
【具体实施方式】
本发明实施例提供的方法可以应用于如图1所示的应用环境中。第一终端102通过网络108与服务器104进行通信。第二终端106通过网络110与服务器104进行通信。第二终端106通过网络110向服务器104发送生成动态信息凭证的请求，服务器104接受该请求后，提供生成动态信息凭证的页面。第二终端106登录该页面并在该页面上输入信息数据，其中信息数据包括商品信息、交易信息等，服务器104利用信息数据生成携带标识的动态信息凭证，并将该携带标识的动态信息凭证进行发布。每个动态信息凭证对应一个商品。第一终端102通过网络108在发布动态信息凭证的页面上获取到所需商品的动态信息凭证的标识。第一终端102在发布动态信息凭证的页面输入获取到的标识，服务器104通过AJAX（Asynchronous Javascript And XML，异步JavaScript和XML，一种创建交互式网页应用的网页开发技术）异步通讯会弹出与动态信息凭证对应的交易页面。第一终端102在交易页面中发送交易指令，如“购买”，服务器104获取第一终端对应的预先办理的电子信用承诺支付凭证，并根据电子信用承诺支付凭证的预设解付条件进行支付，从而完成网络交易。由于在交易页面中接收到第一终端发送的交易指令后，无需跳转到第三方支付平台即可利用第一终端对应的电子信用承诺支付凭证进行支付，由此在网络交易中能够有效简化了付款流程并且有效提高了资金的安全性。
图2为本发明一个实施例所提供的一种网络交易信息处理方法的流程示意图。应该理解的是，虽然图2的流程图中的各个步骤按照箭头的指示依次显示，但是这些步骤并不是必然按照箭头指示的顺序依次执行。除非本文中有明确的说明，这些步骤的执行并没有严格的顺序限制，其可以以其他的顺序执行。而且，图2中的至少一部分步骤可以包括多个子步骤或者多个阶段，这些子步骤或者阶段并不必然是在同一时刻执行完成，而是可以在不同的时刻执行，其执行顺序也不必然是依次进行，而是可以与其他步骤或者其他步骤的子步骤或者阶段的至少一部分轮流或者交替地执行。以该方法应用于服务器为例进行说明，具体包括以下步骤：
步骤202，接收第一终端输入的动态信息凭证的标识。
动态信息凭证是一系列信息的集合，包括商品信息、交易信息、物流信息、订单信息等，是卖方（也可称为收款方）预先通过服务器生成的，用于证明卖方已经完成交易给付义务。每个动态信息凭证对应一个商品。如图3所示，提供了一个动态信息凭证的示意图。其中包括商品名称、商品价格、商品图片、标识、收款信息、发货配送等内容。买方利用第一终端通过展示动态信息凭证的页面可以获取所需商品对应的动态信息凭证的标识，并且可以在展示动态信息凭证的页面，输入所需商品的动态信息凭证的标识。进一步的，如果展示动态信息凭证的页面上有较多的动态信息凭证，买方还可利用第一终端输入所需商品的关键字和/或搜索条件进行搜索，以便能快速得到所需商品的动态信息凭证。
步骤204，根据标识展示与动态信息凭证对应的交易页面。
动态信息凭证存储在服务器或者与服务器能够访问的云数据库。在其中一个实施例中，根据标识展示与动态信息凭证对应的交易页面的步骤包括：根据标识检索动态信息凭证的信息数据；利用检索出的信息数据生成与动态信息凭证对应的交易页面；弹出交易页面进行展示。在买方利用第一终端输入所需商品的动态信息凭证的标识之后，服务器根据该标识在服务器中或者在云数据库中检索该动态信息凭证的信息数据，并根据检索出的信息数据生成与该动态信息凭证对应的交易页面。服务器通过AJAX异步通讯弹出该交易页面进行展示。
步骤206，接收第一终端通过交易页面发送的交易指令。
在交易页面中，显示买方所需商品的详细信息，包括商品名称，唯一的特定标识，交易规则，物流信息，保险信息等。买方利用第一终端可输入购买所需商品的必要信息，如数量、收货地址等。买方利用第一终端在输入购买所需商品的必要信息之后，点击交易页面上的交易按键，向服务器发出交易指令。交易指令可以是购买、提交等。
步骤208，根据交易指令获取第一终端对应的电子信用承诺支付凭证，并根据电子信用承诺支付凭证的预设解付条件进行支付。
电子信用承诺支付凭证是买方以其在银行账户的资金额度或者授信额度作为保证而开据的用于根据预设解付条件进行结算的电子凭证。第一终端对应的电子信用承诺支付凭证即为买方开据的电子信用承诺支付凭证。电子信用承诺支付凭证里可以包括买方银行账户信息以及买方预设的默认收货地址等。买方开据电子信用承诺支付凭证的银行与卖方申请动态信息凭证的银行可以是同一家银行，也可以是不同的银行。在买方利用第一终端发出交易指令后，服务器根据动态信息凭证中的商品价格及数量计算付款金额。服务器获取第一终端对应的电子信用承诺支付凭证，判断电子信用承诺支付凭证中的额度是否大于付款金额，若是，则将电子信用承诺支付凭证中与付款金额相等额度的资金进行冻结，并在支付页面显示已冻结的资金额度。若电子信用承诺支付凭证中的资金额度小于付款金额，则向第一终端返回错误信息。待预设解付条件成立时，服务器将被冻结的资金转移到动态信息凭证中的卖家收款账号进行支付，由此完成一笔网络交易。
在资金被冻结的期间，买方无法再动用被冻结的资金，但是被冻结的资金依然在买方名下，并且可以继续产生利息以及用于开据资产证明等。预设解付条件包括签收默认解付、签收验证解付和授权他方解付。解付也就是进行支付。签收默认解付是指卖方提交签收数据之后，无需验证即可解付。签收数据包括买方信息、收货签收等数据。签收验证解付是指卖方提交签收数据后，买方验证签收数据正确后才能解付。授权他方解付是指买卖双方授权的第三方提交签收数据后，无需验证，即可解付。
进一步的，如果买方利用第一终端在发送交易指令后不想继续支付，可返回交易页面，取消交易。服务器则不再继续按照预设解付条件进行支付，并将已冻结的资金解冻。如果买方对已收到的商品不满意，买方利用第一终端可以在预设时间段内再次输入动态信息凭证的标识，在服务器弹出的交易页面上点击“退货”。服务器则对已冻结的资金继续进行冻结，不进行支付。待卖家确认收到退货之后，服务器对已冻结的资金解冻。
本实施例中，接收第一终端输入的动态信息凭证的标识；根据标识展示与动态信息凭证对应的交易页面；接收第一终端通过交易页面发送的交易指令；根据交易指令获取第一终端对应的电子信用承诺支付凭证，并根据电子信用承诺支付凭证的预设解付条件进行支付。通过接收第一终端输入的动态信息凭证的标识，即可展示与动态信息凭证对应的交易页面。由于在交易页面中接收到第一终端的交易指令后，无需跳转到第三方支付平台即可利用第一终端对应的电子信用承诺支付凭证根据预设解付条件进行支付，由此在网络交易中能够有效简化了付款流程并且有效提高了资金的安全性。
在一个实施例中，在接收第一终端输入的与动态信息凭证对应的动态信息凭证的标识的步骤之前，还包括：接收第二终端发送的生成动态信息凭证的请求；根据生成动态信息凭证的请求接收第二终端输入的信息数据；利用信息数据生成对应的动态信息凭证，动态信息凭证中包括对应的标识；将携带标识的动态信息凭证进行发布。
卖方利用第二终端向服务器发送生成动态信息凭证的请求。服务器根据生成动态信息凭证的请求提供动态信息凭证设置页面，卖方利用第二终端在动态信息凭证设置页面上输入信息数据，其中信息数据包括卖方信息、商品信息、交易规则、收款信息、物理信息等。服务器根据第二终端输入的信息数据生成对应的动态信息凭证，所生成的动态信息凭证包括卖方利用第二终端所输入的信息数据以及对应的标识。每个动态信息凭证具有唯一的标识，标识可以是动态信息凭证的编号等。每个动态信息凭证只对应一个或者一类商品。如果卖方有多个或多类商品，则需要生成多个动态信息凭证。在另一个实施例中，卖方可利用第二终端上安装的应用程序（Application，简称APP）向服务器发送生成动态信息凭证的请求，进而利用应用程序提交信息数据至服务器。服务器根据应用程序提交的信息数据生成对应的动态信息凭证。在生成动态信息凭证后，服务器向第二终端发送已成功生成动态信息凭证的通知。
在其中一个实施例中，服务器在生成动态信息凭证后直接通过网络将携带标识的动态信息凭证再进行发布。具体的，服务器可以通过网络将携带标识的动态信息凭证发布在银行网站上展示动态信息凭证的页面，服务器也可以通过网络将携带标识的动态信息凭证的在银行网站上的链接发布在第三方网站，例如淘宝、京东、百度等。动态信息凭证除了可以被服务器发布之外，还可以被转发到不同的网络环境中。例如可以被转发至社交网络等。在另一个实施例中，服务器在接收到卖方利用第二终端发送的动态信息凭证发布指令后，可以通过网络将携带标识的动态信息凭证发布在银行网站上展示动态信息凭证的页面上，也可以将携带标识的动态信息凭证在银行网站的链接发布在多个第三方网站。由于服务器能够将动态信息凭证发布到多种不同的网站进行展示，从而提供了一种新型的购物模式。买方可以在多种不同的网站获取到所需商品的动态信息凭证，而且只要在展示动态信息凭证的页面输入动态信息凭证的标识，即可弹出一个与动态信息凭证对应的交易页面，由此节省了买方的购物时间。
进一步的，在网络交易完成之后，服务器可统计已成交的网络交易是通过哪些网站来发布的。服务器可以对所有已成交的网络交易进行统计，也可对单个卖方已成交的电子进行统计，并将统计结果进行展示。由此不仅可以利用大数据统计的方式来评估哪些网站发布动态信息凭证的效果更好，也可将交易记录统计数据用于银行间的扎差清算。
在一个实施例中，在根据标识检索动态信息凭证的信息数据的步骤之前，还包括：利用哈希函数将第一终端输入的所述动态信息凭证的标识映射为预设阵列中的点；判断映射后的点对应的值是否为真；若是，则确认第一终端输入的所述动态信息凭证的标识有效，并检索与所述标识对应的动态信息凭证的信息数据。
本实施例中，服务器在接收到买方利用第一终端输入的动态信息凭证的标识后，会校验该标识是否有效。具体的，服务器可以利用哈希函数将第一终端输入的动态信息凭证的标识映射为预设阵列中的点；判断映射后的点对应的值是否为真也就是是否为1，若映射后的点对应的值为真，则确认第一终端输入的动态信息凭证的标识有效。否则，则确定该标识无效。由此将接收到的动态信息凭证的标识与预先存储的动态信息凭证的标识进行比较，对第一终端输入的动态信息凭证的表述进行校验。服务器在确定动态信息凭证的标识有效之后，才开始检索与标识对应的动态信息凭证的信息数据。
在一个实施例中，在根据交易指令获取第一终端的电子信用承诺支付凭证，并根据电子信用承诺支付凭证的预设解付条件进行支付的步骤之后，还包括：接收第一终端或第二终端发送的查询请求；根据查询请求展示与动态信息凭证对应的查询结果。
本实施例中，在网络交易完成之后，买方可利用第一终端或者卖方利用第二终端对该网络交易的情况进行查询。买方利用第一终端可以在展示动态信息凭证的页面输入已完成交易的动态信息凭证的标识来查询交易信息，例如物流信息、退款信息等。买方还可以利用第一终端扫描已完成交易的动态信息凭证的二维码来查询交易信息。卖方可利用第二终端在展示动态信息凭证的页面输入已完成交易的动态信息凭证的标识来查询交易信息，例如物流信息、收款信息等。卖方还可以利用第二终端上安装的应用程序，通过扫描已完成交易的动态信息凭证的二维码，或者输入已完成交易的动态信息凭证的标识来查询交易信息。由此能够方便买卖双方对网络交易的情况进行跟踪。
在一个实施例中，如图4所示，提供了一种网络交易信息处理系统，该系统包括第一终端402和服务器404，其中：
第一终端402，用于输入的动态信息凭证的标识。
服务器404，用于根据标识展示与动态信息凭证对应的交易页面。在其中一个实施例中，服务器404还用于根据标识检索动态信息凭证的信息数据；利用检索出的信息数据生成与动态信息凭证对应的交易页面；弹出交易页面进行展示。
第一终端402还用于通过交易页面发送的交易指令。
服务器404还用于根据交易指令获取第一终端对应的电子信用承诺支付凭证，并根据电子信用承诺支付凭证的预设解付条件进行支付。
本实施例中，服务器接收第一终端输入的动态信息凭证的标识，即可展示与动态信息凭证对应的交易页面。由于第一终端在交易页面中发送交易指令后，无需跳转到第三方支付平台即可利用第一终端对应的电子信用承诺支付凭证根据预设解付条件进行支付，由此在网络交易中能够有效简化了付款流程并且有效提高了资金的安全性。
在一个实施例中，如图5所示，该系统还包括第二终端406用于发送生成动态信息凭证的请求，并在服务器404接收生成动态信息凭证的请求后输入对应的信息数据；服务器404还用于利用信息数据生成对应的动态信息凭证，动态信息凭证中包括对应的标识；将携带标识的动态信息凭证进行发布。
本实施例中，服务器利用第二终端输入的信息数据生成对应的动态信息凭证后，将携带标识的动态信息凭证发布到多种不同的网站进行展示，从而提供了一种新型的购物模式。买方可以在多种不同的网站获取到所需商品的动态信息凭证，而且只要在展示动态信息凭证的页面输入动态信息凭证的标识，即可弹出一个与动态信息凭证对应的交易页面，由此有效节省了购物时间。
进一步的，在网络交易完成之后，服务器404可统计已成交的网络交易是通过哪些网站来发布的。服务器404可以对所有已成交的网络交易进行统计，也可对单个卖方已成交的电子进行统计，并将统计结果进行展示。由此能够利用大数据统计的方式来评估哪些网站发布动态信息凭证的效果更好。
在一个实施例中，服务器404还用于利用哈希函数将第一终端402输入的动态信息凭证的标识映射为预设阵列中的点；判断映射后的点对应的值是否为真；若是，则确认第一终端输入的动态信息凭证的标识有效，并检索与标识对应的动态信息凭证的信息数据。
本实施例中，服务器404在确定动态信息凭证的标识有效之后，才开始检索与标识对应的动态信息凭证的信息数据。
在一个实施例中，第一终端402或所述第二终端406还用于发送查询请求；服务器404还用于根据查询请求展示与动态信息凭证对应的查询结果。
本实施例中，在网络交易完成之后，买方可利用第一终端或者卖方利用第二终端对该网络交易的情况进行查询。由此能够方便买卖双方对网络交易的情况进行跟踪。
在一个实施例中，提供了一种网络交易信息处理系统，包括终端与服务器，服务器包括处理器及存储介质，存储介质中储存有指令，指令被处理器执行时，可使得处理器执行以下步骤：
接收终端输入的动态信息凭证的标识。
根据标识展示与动态信息凭证对应的交易页面。
接收终端通过交易页面发送的交易指令。
根据交易指令获取终端对应的电子信用承诺支付凭证，并根据电子信用承诺支付凭证的预设解付条件进行支付。
如图6所示，为其中一个实施例中的服务器的内部结构，该服务器包括通过系统总线连接的处理器、存储介质、内存和网络接口。其中，该服务器的存储介质存储有操作系统、数据库和网络交易信息处理装置，该网络交易信息处理装置用于实现适用于服务器的一种网络交易信息处理方法。该服务器的处理器用于提供计算和控制能力，支撑整个服务器的运行。该服务器的内存为存储介质中的网络交易信息处理装置的运行提供环境。该服务器的网络接口用于据以与外部的终端通过网络连接通信，比如接收终端发送的动态信息凭证的标识以及展示与动态信息凭证对应的交易页面等。服务器可以用独立的服务器或者是多个服务器来实现，比如服务器可以包括网络交易信息处理服务器和存储服务器等。
此外，还提供一种计算机存储介质。
一个或多个包含计算机可执行指令的计算机存储介质，计算机可执行指令用于执行一种网络交易信息处理方法，该方法包括以下步骤：
接收终端输入的动态信息凭证的标识；
根据标识展示与动态信息凭证对应的交易页面；
接收终端通过交易页面发送的交易指令；
根据交易指令获取终端的电子信用承诺支付凭证，并根据电子信用承诺支付凭证的预设解付条件进行支付。
本领域普通技术人员可以理解实现上述实施例方法中的全部或部分流程，是可以通过计算机程序来指令相关的硬件来完成，所述的程序可存储于一计算机可读取存储介质中，该程序在执行时，可包括如上述各方法的实施例的流程。其中，所述的存储介质可为磁碟、光盘、只读存储记忆体（Read-Only Memory，ROM）或随机存储记忆体（Random Access Memory，RAM）等。
以上所述实施例的各技术特征可以进行任意的组合，为使描述简洁，未对上述实施例中的各个技术特征所有可能的组合都进行描述，然而，只要这些技术特征的组合不存在矛盾，都应当认为是本说明书记载的范围。
以上所述实施例仅表达了本发明的几种实施方式，其描述较为具体和详细，但并不能因此而理解为对发明专利范围的限制。应当指出的是，对于本领域的普通技术人员来说，在不脱离本发明构思的前提下，还可以做出若干变形和改进，这些都属于本发明的保护范围。因此，本发明专利的保护范围应以所附权利要求为准。

Claims (12)

  1. 一种网络交易信息处理方法，所述方法包括：
    接收第一终端输入的动态信息凭证的标识；
    根据所述标识展示与所述动态信息凭证对应的交易页面；
    接收通过所述交易页面发送的交易指令；
    根据所述交易指令获取第一终端对应的电子信用承诺支付凭证，并根据所述电子信用承诺支付凭证的预设解付条件进行支付，其中，所述解付条件是指根据默认的支付时间届期、或根据收付双方预设的支付数据信息匹配成功、或根据收付双方共同委托的第三者发出的支付指令进行资金解冻并进行划付或汇付。
  2. 根据权利要求1所述的方法，其特征在于，所述根据所述标识展示与所述动态信息凭证对应的交易页面的步骤包括：
    根据所述标识检索所述动态信息凭证的信息数据；
    利用检索出的信息数据生成与所述动态信息凭证对应的交易页面；
    弹出所述交易页面进行展示。
  3. 根据权利要求1所述的方法，其特征在于，在所述接收第一终端输入的与动态信息凭证对应的动态信息凭证的标识的步骤之前，还包括：
    接收第二终端发送的生成动态信息凭证的请求；
    根据所述生成动态信息凭证的请求接收第二终端输入的信息数据；
    利用所述信息数据生成对应的动态信息凭证，所述动态信息凭证中包括对应的标识；
    将携带所述标识的动态信息凭证进行发布。
  4. 根据权利要求1 - 3任一项所述的方法，其特征在于，在所述根据所述标识检索所述动态信息凭证的信息数据的步骤之前，还包括：
    利用哈希函数将第一终端输入的所述动态信息凭证的标识映射为预设阵列中的点；
    判断映射后的点对应的值是否为真；
    若是，则确认第一终端输入的所述动态信息凭证的标识有效，并检索与所述标识对应的动态信息凭证的信息数据。
  5. 根据权利要求4所述的方法，其特征在于，在所述根据所述交易指令获取第一终端对应的电子信用承诺支付凭证，并根据所述电子信用承诺支付凭证的预设解付条件进行支付的步骤之后，还包括：
    接收第一终端或第二终端发送的查询请求；
    根据所述查询请求展示与所述动态信息凭证对应的查询结果。
  6. 一种网络交易信息处理系统，其特征在于，所述系统包括第一终端和服务器，其中：
    第一终端，用于输入的动态信息凭证的标识；
    服务器，用于根据所述标识展示与所述动态信息凭证对应的交易页面；
    所述第一终端还用于通过所述交易页面发送的交易指令；
    所述服务器还用于根据所述交易指令获取第一终端对应的电子信用承诺支付凭证，并根据所述电子信用承诺支付凭证的预设解付条件进行支付。
  7. 根据权利要求6所述的系统，其特征在于，所述服务器还用于根据所述标识检索所述动态信息凭证的信息数据；利用检索出的信息数据生成与所述动态信息凭证对应的交易页面；弹出所述交易页面进行展示。
  8. 根据权利要求6所述的系统，其特征在于，所述系统还包括第二终端用于发送生成动态信息凭证的请求，并在所述服务器接收所述生成动态信息凭证的请求后输入对应的信息数据；所述服务器还用于利用所述信息数据生成对应的动态信息凭证，所述动态信息凭证中包括对应的标识；将携带所述标识的动态信息凭证进行发布。
  9. 根据权利要求6 - 8任一项所述的系统，其特征在于，所述服务器还用于利用哈希函数将第一终端输入的所述动态信息凭证的标识映射为预设阵列中的点；判断映射后的点对应的值是否为真；若是，则确认第一终端输入的所述动态信息凭证的标识有效，并检索与所述标识对应的动态信息凭证的信息数据。
  10. 根据权利要求9所述的系统，其特征在于，所述第一终端或所述第二终端还用于发送查询请求；所述服务器还用于根据所述查询请求展示与所述动态信息凭证对应的查询结果。
  11. 一种网络交易信息处理系统，包括终端与服务器，其特征在于，所述服务器包括处理器及存储介质，所述存储介质中储存有指令，所述指令被所述处理器执行时，可使得所述处理器执行以下步骤：
    接收终端输入的动态信息凭证的标识；
    根据所述标识展示与所述动态信息凭证对应的交易页面；
    接收终端通过所述交易页面发送的交易指令；
    根据所述交易指令获取终端对应的电子信用承诺支付凭证，并根据所述电子信用承诺支付凭证的预设解付条件进行支付。
  12. 一个或多个包含计算机可执行指令的计算机存储介质，所述计算机可执行指令用于执行一种网络交易信息处理方法，其特征在于，所述方法包括以下步骤：
    接收终端输入的动态信息凭证的标识；
    根据所述标识展示与所述动态信息凭证对应的交易页面；
    接收终端通过所述交易页面发送的交易指令；
    根据所述交易指令获取终端的电子信用承诺支付凭证，并根据所述电子信用承诺支付凭证的预设解付条件进行支付。
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CN111679967B (zh) * 2020-04-27 2023-04-21 贝壳技术有限公司 用于测试的交易单的展示方法及装置
WO2022241945A1 (zh) * 2021-05-19 2022-11-24 腾讯云计算（北京）有限责任公司 一种数据处理方法、设备以及计算机可读存储介质

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