WO2017011991A1 - 电子凭证设置方法、数据交互处理方法、装置及系统 - Google Patents

电子凭证设置方法、数据交互处理方法、装置及系统 Download PDF

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Publication number
WO2017011991A1
WO2017011991A1 PCT/CN2015/084557 CN2015084557W WO2017011991A1 WO 2017011991 A1 WO2017011991 A1 WO 2017011991A1 CN 2015084557 W CN2015084557 W CN 2015084557W WO 2017011991 A1 WO2017011991 A1 WO 2017011991A1
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WIPO (PCT)
Prior art keywords
data
request
preset time
time range
opening date
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PCT/CN2015/084557
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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
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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 PCT/CN2015/084557 priority Critical patent/WO2017011991A1/zh
Priority to CA2993024A priority patent/CA2993024C/en
Publication of WO2017011991A1 publication Critical patent/WO2017011991A1/zh

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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

Definitions

  • the present invention relates to the field of online transaction technology, and in particular, to an electronic voucher setting method, a data interaction processing method, device and system.
  • the Internet connects traditional buyers, buyers, logistics, finance, etc., forming a network, electronic, and informational process of the entire transaction process, reducing the cost of transactions and improving transactions. effectiveness.
  • the delivery methods used in the commodity trading process still rely on traditional payment methods, such as bank transfers and third-party payments.
  • the traditional payment method has the following shortcomings.
  • the form of direct transfer between individuals is very risky to the buyer after the buyer transfers to the seller because there is no constraint to force the transaction; the third party payment form, the buyer’s funds are paid in advance.
  • the third party when the buyer and the seller complete the transaction, the funds are frozen, so that the buyer and the seller lose corresponding income. Therefore, the payment method used in the e-commerce application has a single form and lacks personalized customization, and cannot flexibly customize the payment method, payment time, and the like.
  • the purpose of the embodiments of the present invention is to provide an electronic voucher setting method, a data interaction processing method, a device and a system, which are beneficial to the first participant to rationally arrange the fund application, improve the experience, and enrich the online transaction mode.
  • the first technical solution adopted by the embodiment of the present invention is to provide an electronic voucher setting method, the method comprising: the first participating direction fund management server sends a request for opening an electronic voucher, wherein The request includes the opening date and the amount of the electronic voucher;
  • the fund management server determines whether the opening date meets a preset time range
  • the fund management server freezes funds or expenditures in the first participant designated account equal to the amount included in the request and the request when the opening date arrives The credits of equal amount are included and the electronic voucher is opened.
  • the second technical solution adopted by the embodiment of the present invention is to provide an electronic voucher setting method, where the method includes: the fund management server receives a request sent by the first participant to open an electronic voucher, Wherein the request includes an opening date and a quota of the electronic voucher;
  • the first participant can freely set the electronic voucher according to the needs of the user to meet the opening date of the preset time range set by the fund management server, which is beneficial to the first participant to rationally arrange the fund application.
  • the self-discipline of the first participant will be strengthened to match the whole process, and the risk of the first participant will be further reduced.
  • the present invention also enriches the way in which online transactions are conducted.
  • a third technical solution adopted by the embodiment of the present invention is to provide a data interaction method, where the method includes: the first terminal sends a request for opening a data credential to the server, where the request is Including the date and value of the data voucher;
  • the server locks data equal to the numerical value in the data unit of the first terminal when the opening date arrives, and generates the data credential.
  • the fourth technical solution adopted by the embodiment of the present invention is to provide a data interaction method, where the method includes: receiving, by the server, a request for opening a data credential sent by the first terminal, where The request includes the opening date and the numerical value of the data voucher;
  • the first terminal is locked with data of the same size as the data voucher when the opening date arrives, and the data voucher is generated.
  • the fifth technical solution adopted by the embodiment of the present invention is to provide a data interaction system, where the data interaction system includes: the first terminal is configured to send an application to open a data certificate to the server. The request, wherein the request includes an opening date and a value of the data voucher;
  • the server is configured to determine whether the opening date meets a preset time range
  • the server is further configured to: when the opening date meets the preset time range, when the opening date arrives, lock data in the data unit of the first terminal that is equal in size to the data voucher value And generating the data credentials.
  • a sixth technical solution adopted by the embodiment of the present invention is to provide a server, where the server includes: a receiving module, a processing module, and an executing module, where the receiving module is configured to receive the first terminal.
  • the sent request is a request to open a data voucher, wherein the request includes an opening date and a value of the data voucher;
  • the processing module is configured to determine whether the application time meets a preset time range
  • the executing module is configured to: when the application time meets the preset time range, lock data of the first terminal and the data credential value to be equal, and generate the data credential.
  • the first terminal sets an opening date of the data certificate that meets the preset date range of the server according to the user requirement, and the server locks the data equal to the value in the data unit of the first terminal. And generating the data voucher, facilitating the overall arrangement and use of the data by the first terminal, and improving the utilization of the data.
  • FIG. 1 is a schematic flow chart of an embodiment of an electronic voucher setting method according to the present invention.
  • FIG. 2 is a schematic flow chart of another embodiment of an electronic voucher setting method according to the present invention.
  • FIG. 3 is a schematic flowchart of an embodiment of a data interaction processing method according to the present invention.
  • FIG. 4 is a schematic flowchart of another embodiment of a data interaction processing method according to the present invention.
  • FIG. 5 is a schematic structural diagram of an embodiment of a data interaction system according to the present invention.
  • FIG. 6 is a schematic structural diagram of an embodiment of a server according to the present invention.
  • the electronic voucher mentioned in this application refers to the electronic certificate promised by the issuer with the guarantee of the bank account fund or credit line (credit card quota or loan amount) as the guarantee, and the bank promises to settle the payment and settlement according to the settlement conditions. It is an Internet innovation basic financial instrument paid by bank credit commitment.
  • FIG. 1 is a schematic flow chart of an embodiment of an electronic voucher setting method according to the present invention.
  • the electronic voucher setting method of this embodiment includes the following steps:
  • the first participating party sends a request for opening an electronic voucher to the fund management server, wherein the request includes an opening date and a quota of the electronic voucher.
  • the fund management server is a bank fund management server.
  • the electronic voucher means that the bank freezes the funds or uses the credit line according to the application of the issuer (the first party of the invention) and opens the bank in the name of the bank (the fund management server in the invention), and promises to proceed according to the agreed conditions. Settlement of electronic credit commitment payment vouchers.
  • Basic business process of electronic voucher The issuing bank freezes the required amount of funds according to the application of the issuer to open the electronic voucher. When the agreed payment conditions are fulfilled, the issuing bank will release the funds for payment settlement.
  • the request also includes identity information of the first party.
  • the request further includes receiving the funds corresponding to the electronic voucher or the identity information of the second participant of the credit to facilitate the second party to collect.
  • the identity information of the second participant includes the account of the second participant, and may also include the identity information of the second participant's name, contact number, email address, ID number, and the like, and may also include social activities such as a micro signal and a QQ number. The way is not limited here.
  • the fund management server determines whether the opening date meets a preset time range.
  • the fund management server receives the request sent by the first participant, parses the request, and obtains the opening date and the quota of the electronic voucher.
  • the opening date of the electronic voucher is August 1, 2015, the distance The opening date is 30 days, and the preset time range set by the money management server is 35 days, and the opening date is within the preset time range.
  • the fund management server sends feedback information to the first participant to remind the first participant to reset the opening date, which is not limited herein.
  • the fund management server further obtains the identity information of the first participant from the request, and verifies the identity information of the first participant before the step of determining whether the opening date is within the preset time range. Determining whether the identity information of the first participant is valid identity information, specifically, determining whether the first participant identity information is authentic and valid, and whether there is a bad credit record, etc., and the fund management server may also be based on the first participant.
  • the identity information further determines whether the first participant belongs to a special group, such as a minor, and when it belongs to a special group, whether the corresponding judgment meets the upper limit of the group, for example, the amount of the electronic certificate applied for by the minor is prohibited to exceed 2000, There is no limit here.
  • the fund management server freezes the funds or the expenditures in the first participant designated account that are equal to the amount included in the request when the opening date arrives
  • the request includes an equal amount of credit and opens the electronic voucher to the first party.
  • the fund management server further determines whether the first participant specifies the account fund or the credit line is not less than the amount of the electronic certificate when the opening date arrives.
  • the first participant specifies the account fund or the credit line is not limited to be stored or opened by the fund management server.
  • the fund management server freezes the funds or the expenditure of the first party equal to the electronic voucher amount included in the request and the amount included in the request. Equal credit and open the electronic certificate.
  • the fund management server sends a pre-freeze notification to the first participant, and the first participant determines the response to the pre-freeze notification, the fund The management server freezes the funds of the first party equal to the amount included in the request or the credits equal to the amount included in the request, and issues an electronic voucher. If the response notice of the first participant is not received within the predetermined time, the request to open the electronic voucher is invalid.
  • the frozen funds or the use and credit line are the deposit of the first party to the fund management server or other fund management server, or the credit amount given to the first party, or the first The funds corresponding to the real estate mortgaged by the participants.
  • the first participating party requests the fund management server to open a request for opening 100,000 electronic vouchers, wherein after the opening date is 20 days, the fund management server compares the opening date with the preset time range 30 to determine the first The opening date set by the participant is within the preset time range. When the opening date arrives, it is further judged whether the first party specifies the account funds or the amount of credit for the credit equal to the amount included in the request is 100,000. Not less than the amount of the electronic voucher applied for, if the amount of funds specified by the first party in the current account is 300,000, which is greater than 100,000, the fund management server freezes 100,000 funds on the designated account of the first party on the date of opening, and Open an electronic voucher with a quota of 100,000.
  • the first participant can freely set the opening date of the electronic voucher according to the preset time range of the fund management server according to his own needs, which is beneficial to the first party to arrange the fund application reasonably. Improve the experience. And based on the strength and counter-force of the fund management server, the self-discipline of the first participant will be strengthened to match the entire process, and the risk will be further reduced. In addition, the present invention also enriches the way in which online transactions are conducted.
  • FIG. 2 is a schematic flowchart diagram of another embodiment of an electronic voucher setting method according to the present invention.
  • the electronic voucher setting method of this embodiment includes:
  • the fund management server receives a request for opening an electronic voucher sent by the first participant, wherein the request includes an opening date and a quota of the electronic voucher.
  • the opening date is the opening time of the electronic voucher.
  • the electronic voucher means that the bank freezes the funds or uses the credit line according to the application of the issuer (the first party of the invention) and opens the bank in the name of the bank (the fund management server in the invention), and promises to proceed according to the agreed conditions. Settlement of electronic credit commitment payment vouchers.
  • Basic business process of electronic voucher The issuing bank freezes the required amount of funds according to the application of the issuer to open the electronic voucher. When the agreed payment conditions are fulfilled, the issuing bank will release the funds for payment settlement.
  • the request also includes identity information of the first party.
  • the request further includes receiving the funds corresponding to the electronic voucher or the identity information of the second party of the credit to facilitate the second party to collect the electronic voucher.
  • the identity information of the second participant includes the account of the second participant, and may also include the identity information of the second participant's name, contact number, email address, ID number, and the like, and may also include social activities such as a micro signal and a QQ number. The way is not limited here.
  • the fund management server receives the request sent by the first participant, parses the request, and obtains the opening date and the quota of the electronic voucher.
  • the opening date of the electronic voucher is August 1, 2015, the distance The opening date is 30 days, and the preset time range set by the money management server is 35 days, and the opening date is within the preset time range.
  • the fund management server sends feedback information to the first participant to remind the first participant to reset the opening date, which is not limited herein.
  • the fund management server further obtains the identity information of the first participant from the request, and verifies the identity information of the first participant before the step of determining whether the opening date is within the preset time range. Determining whether the identity information of the first participant is valid identity information, specifically, determining whether the first participant identity information is authentic and valid, and whether there is a bad credit record, etc., and the fund management server may also be based on the first participant.
  • the identity information further determines whether the first participant belongs to a special group, such as a minor, and when it belongs to a special group, whether the corresponding judgment meets the upper limit of the group, for example, the amount of the electronic certificate applied for by the minor is prohibited to exceed 2000, There is no limit here.
  • the fund management server further determines, when the opening date arrives, whether the amount of the first party-specified account funds or credits is not less than the amount of the electronic certificate.
  • the first participant specifies that the account funds or credits are not limited to be stored or opened by the fund management server.
  • the fund management server freezes the funds or the expenditure of the first party equal to the electronic voucher amount included in the request and the request includes Credits of equal amount and open electronic vouchers.
  • the fund management server sends a pre-freeze notification to the first participant, and the first participant responds to the pre-freeze notification. Thereafter, the fund management server freezes the funds of the first party equal to the amount included in the request or the credits equal to the amount included in the request, and issues an electronic certificate. If the response notice of the first participant is not received within the predetermined time, the request to open the electronic voucher is invalid.
  • the frozen funds or credit line is the deposit of the first party to the first fund management server or other fund management server, or the credit line given to the first party, or the first participation.
  • the first participant can freely set the opening date of the electronic voucher according to the preset time range of the fund management server according to his own needs, which is beneficial to the first party to arrange the fund application reasonably. Improve the experience. And based on the strength and counter-force of the fund management server, the self-discipline of the first participant will be strengthened to match the entire process, and the risk will be further reduced. In addition, the present invention also enriches the way in which online transactions are conducted.
  • FIG. 3 is a schematic flowchart of an embodiment of a data interaction processing method according to the present invention.
  • the data interaction processing method of this embodiment includes the following steps:
  • the first terminal sends a request for opening a data credential to the server, where the request includes an opening date and a value of the data credential.
  • the data credential is generated by the server according to the application of the first terminal, and locking the data in the data unit of the first terminal with the same value as the data credential value.
  • the request further includes identification information of the first terminal.
  • the request further includes identification information of the second terminal of the data credential interaction to facilitate the server to implement data interaction between the first terminal and the second terminal.
  • the server determines whether the opening date meets a preset time range.
  • the server receives the request sent by the first terminal, parses the request, and obtains an opening date and a value of the data credential.
  • the server Comparing the opening date of the data voucher with the preset time range to determine whether the opening date is within the preset time range. If the opening date of the data voucher is not within the preset time range, the server sends feedback information to the first terminal. , to remind the first terminal user to reset the opening date, which is not limited here.
  • the server further obtains the identification information of the first terminal from the request, and determines whether the identification information of the first terminal is valid information before the step of determining whether the opening date is within the preset time range. And when it is determined to be valid information, a step of determining whether the opening date is within a preset time range is performed.
  • the server locks data equal to the value in the data unit of the first terminal when the open date arrives, and generates the data credential.
  • the server further determines, when the application date arrives, whether the value of the data in the data unit of the first terminal is not less than the size of the data included in the request, if Not less than, the server locks data in the first terminal data unit that is equal in size to the value included in the request, and generates the data credential.
  • the server when the value of the data of the data unit of the first terminal is not less than the value of the value included in the request, the server sends a pre-lock notification to the first unit, and after receiving the response notification returned by the first terminal, the server locks the Data in a data unit of a terminal equal in magnitude to the value and generating the data credential.
  • the first terminal is user A and the server is user B.
  • User B is the administrator of multiple clients, and each client has a corresponding password for executing the administrator's authority, and for each client, the corresponding administrator authority has different levels of importance.
  • the client can be a device such as a personal computer, a tablet, a smart phone, or the like that can perform data interaction with the server through a network.
  • the first client is a company server
  • the second client is a tablet
  • the third client is a personal computer.
  • User A sends a request for opening a data credential to user B, wherein the data credential includes a date of opening and a numerical value of the first data corresponding to the data credential, wherein the first data is an administrator requesting one of the clients
  • the password for the permission For example, User A requests User B a password for the administrator rights of the third client.
  • the user B determines whether the opening date is within a predetermined preset time range. If within the preset time range, the user B determines the current user A on the date of the opening date. Whether the administrator rights of the second client are not lower than the administrator rights of the requested third client, and when determining that the management rights of the third client are not lower than the administrative rights of the third client, the user rights of the third client are frozen. And grant user A the administrator rights of the third client. That is, User A will not be able to manage the third client using the corresponding password.
  • the requested data may also be text data, audio data, video data, program data, or financial data in the financial field. If it is capital data, such as funds, then the first terminal is the first party, and the server is Money management server, for example, a bank. If it is audio data, such as a song, the first terminal may be a client having a multimedia playing function such as a mobile phone, and the server is a music website server.
  • the first terminal sets an opening date of the data certificate that meets the preset date range of the server according to the user requirement, and the server locks the data equal to the value in the data unit of the first terminal. And generating data credentials, which facilitates the overall arrangement and use of data by the first terminal, and improves data utilization.
  • FIG. 4 is a schematic flowchart diagram of another embodiment of a data interaction processing method according to the present invention.
  • the data interaction processing method of this embodiment includes the following steps:
  • the server receives a request for opening a data credential sent by the first terminal, where the request includes an opening date and a value of the data credential.
  • the data credential is generated by the server according to the application of the first terminal, and locking the data in the data unit of the first terminal with the same value as the data credential value.
  • the request further includes identification information of the first terminal.
  • the request further includes identification information of the second terminal of the data credential interaction to facilitate the server to implement data interaction between the first terminal and the second terminal.
  • the server receives the request sent by the first terminal.
  • the server receives the request sent by the first terminal, parses the request, and obtains an opening date and a value of the data credential.
  • the server Comparing the opening date of the data voucher with the preset time range to determine whether the opening date is within the preset time range. If the opening date of the data voucher is not within the preset time range, the server sends feedback information to the first terminal. , to remind the first terminal user to reset the opening date, which is not limited here.
  • the server further obtains the identification information of the first terminal from the request, and determines whether the identification information of the first terminal is valid information before the step of determining whether the opening date is within the preset time range. And when it is determined to be valid information, a step of determining whether the opening date is within a preset time range is performed.
  • the server further determines, when the application date arrives, whether the value of the data in the data unit of the first terminal is not less than the size of the data included in the request, if Not less than, the server locks data in the first terminal data unit that is equal in size to the value included in the request, and opens the data credential to the first terminal.
  • the server when the value of the data of the data unit of the first terminal is not less than the value of the value included in the request, the server sends a pre-lock notification to the first unit, and after receiving the response notification returned by the first terminal, the server locks the Data in a data unit of a terminal equal in magnitude to the value and generating the data credential.
  • the requested data may also be text data, audio data, video data, program data, or financial data in the financial field. If it is capital data, such as funds, then the first terminal is the first party, and the server is Money management server, for example, bank. If it is audio data, such as a song, the first terminal may be a client having a multimedia playing function such as a mobile phone, and the server is a music website server.
  • the server after the server locks the data of the data size corresponding to the data voucher in the first terminal data unit according to the opening date set by the first terminal, the server generates the data voucher, and can make the first The terminal sets the opening date of the data voucher that meets the server's preset date range according to the user's requirement, which is beneficial to the first terminal to arrange and use the data, thereby improving the data utilization rate.
  • FIG. 5 is a schematic structural diagram of an embodiment of a data interaction system according to the present invention.
  • the apparatus included in the data interaction processing system of this embodiment is used to execute the steps in the embodiment corresponding to FIG. 3.
  • the data interaction system of this embodiment includes a first terminal 501 and a server 502.
  • the first terminal 501 is configured to send a request to the server 502 to apply for opening a data credential, wherein the request includes an opening date and a value of the data credential.
  • the server 502 is configured to determine whether the opening date meets a preset time range.
  • the server 502 is further configured to: when the opening date meets the preset time range, when the opening date arrives, the data unit of the first terminal 501 is locked to be equal in size to the data credential value. Data and generate the data credentials.
  • the first terminal sets an opening date of the data certificate that meets the preset date range of the server according to the user requirement, and the server locks the data equal to the value in the data unit of the first terminal. And generating the data voucher, which is beneficial to the first terminal to arrange and use the data, and improve the utilization of the data.
  • FIG. 6 is a schematic structural diagram of an embodiment of a server according to the present invention.
  • the modules included in the server of this embodiment are used to perform the steps in the embodiment corresponding to FIG. 4 .
  • the server includes: a receiving module 601, a processing module 602, and an executing module 603.
  • the receiving module 601 is configured to receive a request for opening a data credential sent by the first terminal, where the request includes an opening date and a value of the data credential;
  • the processing module 602 is configured to determine whether the application time meets a preset time range
  • the executing module 603 is configured to: when the application time meets the preset time range, lock data of the first terminal and the data credential value to be equal, and generate the data credential.
  • the server after the server locks the data of the data size corresponding to the data credential in the first terminal data unit according to the opening date set by the first terminal, the server generates the data credential, and enables the first terminal.
  • Setting the opening date of the data voucher that meets the server's preset date range according to the user's needs is beneficial to the first terminal to arrange and use the data to improve the utilization of the data.

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Abstract

一种电子凭证设置方法、数据交互处理方法、装置及系统，其中，该电子凭证设置方法包括：第一参与方向资金管理服务器发送申请开立电子凭证的请求，其中所述请求包括所述电子凭证的开立日期以及额度（101）；所述资金管理服务器判断所述开立日期是否符合预设时间范围（102）；如果符合所述预设时间范围，所述资金管理服务器在所述开立日期到达时，冻结所述第一参与方指定账户中与所述请求包括的额度相等的资金或支用与所述请求包括的额度相等的授信，并开立所述电子凭证（103）。上述方法有利于第一参与方合理安排资金应用，提高体验，还丰富了线上交易的方式。

Description

电子凭证设置方法、数据交互处理方法、装置及系统
【技术领域】
本发明涉及线上交易技术领域，特别是涉及一种电子凭证设置方法、数据交互处理方法、装置及系统。
【背景技术】
随着互联网技术尤其是移动互联网技术的发展，用户的日常行为理论上均可以通过移动设备使用2G、3G、4G或wifi等方式连接互联网，因此，网络环境在方便用户生活的方面具有线下无法比拟的优势。
例如，在电子商务应用中，互联网将传统的买家、买家、物流、金融等连接在一起，形成整个交易过程的网络化、电子化、信息化，减低了交易的成本，并提高了交易效率。但是在商品交易过程中所使用的交付方式仍然依赖传统的支付方式，如，银行转账、第三方支付。传统的支付方式有一下缺点，个体之间直接转账的形式，在买方向卖方转账后由于不存在强制达成交易的约束，给买方带来很大风险；第三方支付形式，预先将买方资金支付给第三方，在买卖双方为达成交易时资金被冻结，使买卖双方失去相应地收益。因此，在电子商务应用中使用的支付方式，形式单一且缺少个性化定制，不能灵活定制支付方式、支付时间等。
同样地，用户在网络环境中进行其他行为的数据交互时，也会出现由于交互数据的形式不能个性化定制，而为数据交互双方带来风险或影响用户体验度的问题。
【发明内容】
本发明实施例的目的是提供一种电子凭证设置方法、数据交互处理方法、装置及系统，有利于第一参与方合理安排资金应用，提高体验，还丰富了线上交易的方式。
为解决上述技术问题，本发明实施例采用的第一个技术方案是：提供一种电子凭证设置方法，所述方法包括：第一参与方向资金管理服务器发送申请开立电子凭证的请求，其中所述请求包括所述电子凭证的开立日期以及额度；
所述资金管理服务器判断所述开立日期是否符合预设时间范围；
如果符合所述预设时间范围，所述资金管理服务器在所述开立日期到达时，冻结所述第一参与方指定账户中与所述请求包括的额度相等的资金或支用与所述请求包括的额度相等的授信，并开立所述电子凭证。
为解决上述技术问题，本发明实施例采用的第二个技术方案是：提供一种电子凭证设置方法，所述方法包括：资金管理服务器接收第一参与方发送的申请开立电子凭证的请求，其中，所述请求包括所述电子凭证的开立日期以及额度；
判断所述开立日期是否符合预设时间范围；
如果符合所述预设时间范围，在所述开立日期到达时，冻结所述第一参与方指定账户中与所述额度相等的资金或支用与所述请求包括的额度相等的授信，并立所述电子凭证。
区别于现有技术，在上述实施方式中，第一参与方可根据自身需要，自由设置电子凭证符合资金管理服务器设置的预设时间范围的开立日期，有利于第一参与方合理安排资金应用，提高体验。并且基于资金管理服务器的雄厚实力和反制力，会加强第一参与方的自律性以配合整个流程，也进一步降低第一参与方的风险。另外，本发明还丰富了线上交易的方式。
为解决上述技术问题，本发明实施例采用的第三个技术方案是：提供一种数据交互方法，所述方法包括：第一终端向服务器发送申请开立数据凭证的请求，其中，所述请求包括所述数据凭证的开立日期以及数值；
所述服务器判断所述开立日期是否符合预设时间范围；
如果符合所述预设时间范围，所述服务器在所述开立日期到达时锁定所述第一终端的数据单元中与所述数值大小相等的数据，并生成所述数据凭证。
为解决上述技术问题，本发明实施例采用的第四个技术方案是：提供一种数据交互方法，所述方法包括：服务器接收第一终端发送的申请开立数据凭证的请求，其中，所述请求中包括所述数据凭证的开立日期以及数值；
判断所述申请时间是否符合预设时间范围；
如果符合所述预设时间范围，在所述开立日期到达时锁定所述第一终端与所述数据凭证数值大小相等的数据，并生成所述数据凭证。
服务器接收第一终端发送的申请开立数据凭证的请求，其中，所述请求中包括所述数据凭证的申请日期以及数值；判断所述申请时间是否符合预设时间范围；如果符合所述预设时间范围，在所述申请日期到达时锁定所述第一终端与所述数据凭证数值大小相等的数据，并向所述第一终端开立所述数据凭证。
为解决上述技术问题，本发明实施例采用的第五个技术方案是：提供一种数据交互系统，所述数据交互系统包括：所述第一终端用于向所述服务器发送申请开立数据凭证的请求，其中，所述请求包括所述数据凭证的开立日期以及数值；
所述服务器用于判断所述开立日期是否符合预设时间范围；
所述服务器还用于在所述开立日期符合所述预设时间范围时，在所述开立日期到达时，锁定所述第一终端的数据单元中与所述数据凭证数值大小相等的数据，并生成所述数据凭证。
为解决上述技术问题，本发明实施例采用的第六个技术方案是：提供一种服务器，所述服务器包括：接收模块、处理模块以及执行模块，所述接收模块用于接收所述第一终端发送的申请开立数据凭证的请求，其中，所述请求中包括所述数据凭证的开立日期以及数值；
所述处理模块用于判断所述申请时间是否符合预设时间范围；
所述执行模块用于在所述申请时间符合所述预设时间范围，锁定所述第一终端与所述数据凭证数值大小相等的数据，并生成所述数据凭证。
区别于现有技术，以上实施方式中，第一终端根据用户需求设置符合服务器预设日期范围的数据凭证的开立日期，服务器在锁定第一终端的数据单元中与所述数值大小相等的数据，并生成所述数据凭证，有利于第一终端对数据的统筹安排与使用，提高数据的利用率。
【附图说明】
图1是本发明电子凭证设置方法一实施方式的流程示意图；
图2是本发明电子凭证设置方法另一实施方式的流程示意图；
图3是本发明数据交互处理方法一实施方式的流程示意图；
图4是本发明数据交互处理方法另一实施方式的流程示意图；
图5是本发明数据交互系统一实施方式的结构示意图；
图6是本发明服务器一实施方式的结构示意图。
【具体实施方式】
为详细说明本发明的技术内容、构造特征、所实现目的及效果，以下结合附图和实施例对本发明进行详细说明。
本申请所提及的电子凭证是指开证人以其银行账户资金或授信额度（信用卡额度或贷款额度）作为保证而开立的，银行承诺依照解付条件办理收付结算的电子信用承诺支付凭证，其是以银行信用承诺支付的一种互联网创新基础金融工具。
请参阅图1，图1是本发明电子凭证设置方法一实施方式的流程示意图。本实施方式的电子凭证设置方法包括如下步骤：
101：第一参与方向资金管理服务器发送申请开立电子凭证的请求，其中所述请求包括所述电子凭证的开立日期以及额度。
其中，该资金管理服务器为银行的资金管理服务器。
其中，电子凭证是指银行根据开证人（本发明的第一参与方）的申请冻结资金或支用授信额度并以银行（本发明中的资金管理服务器）名义开立，且承诺依照约定条件进行结算的电子信用承诺支付凭证。电子凭证基本业务流程：开证银行根据开证人的申请冻结所需数额资金以开立电子凭证，当约定解付条件达成时，由开证银行将资金解付办理支付结算。
所述请求中还包括第一参与方的身份信息。
在另一个实施方式中，该请求中还包括收取所述电子凭证对应的资金或授信的第二参与方的身份信息，以方便第二参与方收取。其中，该第二参与方的身份信息包括第二参与方的账户，还可包括第二参与方的姓名、联系电话、邮箱、身份证号等身份信息，还可包括微信号、QQ号等社交方式，在此不做限定。
102：所述资金管理服务器判断所述开立日期是否符合预设时间范围。
具体地，资金管理服务器接收第一参与方发送来的请求，解析该请求，获取电子凭证的开立日期以及额度。
将电子凭证的开立日期与预设时间范围进行比对，确定开立日期是否在预设时间范围内，例如，第一参与方的请求中的开立日期为2015年8月1日，距离该开立日期为30天，资金管理服务器设定的预设时间范围为35天，则该开立日期在预设时间范围内。
如果电子凭证的开立日期不在预设时间范围内时，资金管理服务器向第一参与方发送反馈信息，提醒所述第一参与方重新设置开立日期，在此不做限定。
在另一个实施方式中，资金管理服务器进一步从该请求中获取第一参与方的身份信息，并在判断开立日期是否在预设时间范围内的步骤之前对第一参与方的身份信息进行验证，确定第一参与方的身份信息是否为有效身份信息，具体地，判断该第一参与方身份信息是否真实有效以及是否存在不良信用记录等，另外，资金管理服务器还可根据第一参与方的身份信息进一步判断第一参与方是否属于特殊群体，如未成年人，在属于特殊群体时，对应的判断是否符合该群体的额度上限，如未成年人申请的电子凭证的额度禁止超过2000等，在此不做限定。
103：如果符合所述预设时间范围，所述资金管理服务器在所述开立日期到达时，冻结所述第一参与方指定账户中与所述请求包括的额度相等的资金或支用与所述请求包括的额度相等的授信，并向所述第一参与方开立所述电子凭证。
具体地，如果开立日期在预设时间范围内时，资金管理服务器在开立日期到达时，进一步判断第一参与方指定账户资金或授信额度是否不小于该电子凭证的额度。其中，该第一参与方指定账户资金或授信额度并不限定在该资金管理服务器所存储或开设的。
如果第一参与方指定账户资金或授信额度不小于该电子凭证的额度时，资金管理服务器冻结第一参与方的与该请求包括的电子凭证额度相等的资金或支用与所述请求包括的额度相等的授信，并开立该电子凭证。
可选地，当第一参与方指定账户资金或授信额度不小于电子凭证的额度时，资金管理服务器向第一参与方发送预冻结通知，第一参与方在确定响应该预冻结通知后，资金管理服务器冻结第一参与方与请求包括的额度相等的资金或支用与所述请求包括的额度相等的授信，并开出电子凭证。如果在预定时间内未接收到第一参与方的响应通知，本次开立电子凭证的请求失效。
在上述实施方式中，该冻结的资金或支用与授信额度为该第一参与方于该资金管理服务器或其他资金管理服务器的存款、或给予该第一参与方的信用额度、或该第一参与方抵押的不动产所对应的资金。
例如，第一参与方向资金管理服务器申请开立10万的电子凭证的请求，其中，开立日期为20天以后，资金管理服务器将开立日期与预设时间范围30进行比对，确定第一参与方设定的开立日期在预设时间范围内，在开立日期到达时，进一步判断，第一参与方指定账户资金或支用与所述请求包括的额度相等的授信的额度10万是否不小于申请的电子凭证的额度，如果当前第一参与方指定账户资金的额度为30万，大于10万，资金管理服务器在开立日期当天冻结第一参与方指定账户上10万的资金，并开立额度为10万的电子凭证。
区别于现有技术，在上述实施方式中，第一参与方可根据自身需要，自由设置电子凭证符合资金管理服务器的预设时间范围的开立日期，有利于第一参与方合理安排资金应用，提高体验。并且基于资金管理服务器的雄厚实力和反制力，会加强第一参与方的自律性以配合整个流程，也进一步降低风险。另外，本发明还丰富了线上交易的方式。
参阅图2，图2是本发明电子凭证设置方法另一实施方式的流程示意图。本实施方式的电子凭证设置方法包括：
201：资金管理服务器接收第一参与方发送的申请开立电子凭证的请求，其中，所述请求包括所述电子凭证的开立日期以及额度。
其中，所述开立日期为电子凭证的开立时间。
其中，电子凭证是指银行根据开证人（本发明的第一参与方）的申请冻结资金或支用授信额度并以银行（本发明中的资金管理服务器）名义开立，且承诺依照约定条件进行结算的电子信用承诺支付凭证。电子凭证基本业务流程：开证银行根据开证人的申请冻结所需数额资金以开立电子凭证，当约定解付条件达成时，由开证银行将资金解付办理支付结算。所述请求中还包括第一参与方的身份信息。
在另一个实施方式中，该请求中还包括收取所述电子凭证对应的资金或授信的第二参与方的身份信息，以方便第二参与方收取该电子凭证。其中，该第二参与方的身份信息包括第二参与方的账户，还可包括第二参与方的姓名、联系电话、邮箱、身份证号等身份信息，还可包括微信号、QQ号等社交方式，在此不做限定。
202：判断所述申请时间是否符合预设时间范围。
具体地，资金管理服务器接收第一参与方发送来的请求，解析该请求，获取电子凭证的开立日期以及额度。
将电子凭证的开立日期与预设时间范围进行比对，确定开立日期是否在预设时间范围内，例如，第一参与方的请求中的开立日期为2015年8月1日，距离该开立日期为30天，资金管理服务器设定的预设时间范围为35天，则该开立日期在预设时间范围内。
如果电子凭证的开立日期不在预设时间范围内时，资金管理服务器向第一参与方发送反馈信息，提醒所述第一参与方重新设置开立日期，在此不做限定。
在另一个实施方式中，资金管理服务器进一步从该请求中获取第一参与方的身份信息，并在判断开立日期是否在预设时间范围内的步骤之前对第一参与方的身份信息进行验证，确定第一参与方的身份信息是否为有效身份信息，具体地，判断该第一参与方身份信息是否真实有效以及是否存在不良信用记录等，另外，资金管理服务器还可根据第一参与方的身份信息进一步判断第一参与方是否属于特殊群体，如未成年人，在属于特殊群体时，对应的判断是否符合该群体的额度上限，如未成年人申请的电子凭证的额度禁止超过2000等，在此不做限定。
203：如果符合所述预设时间范围，在所述开立日期到达时，冻结所述第一参与方与所述电子凭证额度相等的资金，并向所述第一参与方开立所述电子凭证。
具体地，如果开立日期在预设时间范围内时，资金管理服务器在开立日期到达时，进一步判断第一参与方指定账户资金或授信的额度是否不小于该电子凭证的额度。其中，该第一参与方指定账户资金或授信不限定在该资金管理服务器所存储或开设的。
如果第一参与方指定账户资金或授信的额度不小于该电子凭证的额度时，资金管理服务器冻结第一参与方的与该请求包括的电子凭证额度相等的资金或支用与所述请求包括的额度相等的授信，并开立电子凭证。
可选地，当第一参与方指定账户资金或授信的额度相等的授信不小于电子凭证的额度时，资金管理服务器向第一参与方发送预冻结通知，第一参与方在响应该预冻结通知后，资金管理服务器冻结第一参与方与请求包括的额度相等的资金或支用与所述请求包括的额度相等的授信，并开出电子凭证。如果在预定时间内未接收到第一参与方的响应通知，本次开立电子凭证的请求失效。
在上述实施方式中，该冻结的资金或授信额度为该第一参与方于该第一资金管理服务器或其他资金管理服务器的存款、或给予该第一参与方的信用额度、或该第一参与方抵押的不动产所对应的资金。
区别于现有技术，在上述实施方式中，第一参与方可根据自身需要，自由设置电子凭证符合资金管理服务器的预设时间范围的开立日期，有利于第一参与方合理安排资金应用，提高体验。并且基于资金管理服务器的雄厚实力和反制力，会加强第一参与方的自律性以配合整个流程，也进一步降低风险。另外，本发明还丰富了线上交易的方式。
参阅图3，图3是本发明数据交互处理方法一实施方式的流程示意图。本实施方式的数据交互处理方法包括如下步骤：
301：第一终端向服务器发送申请开立数据凭证的请求，其中，所述请求包括所述数据凭证的开立日期以及数值。
所述数据凭证为是由服务器根据第一终端的申请，锁定所述第一终端的数据单元内的数值大小与所述数据凭证数值相等的数据后生成的。
所述请求中还包括第一终端的标识信息。
在另一个实施方式中，该请求中还包括数据凭证交互的第二终端的标识信息，以方便服务器实现第一终端与第二终端之间的数据交互。
302：所述服务器判断所述开立日期是否符合预设时间范围。
具体地，服务器接收第一终端发送的请求，解析该请求，获取数据凭证的开立日期以及数值。
将数据凭证的开立日期与预设时间范围进行比对，确定开立日期是否在预设时间范围内，如果数据凭证的开立日期不在预设时间范围内，服务器向第一终端发送反馈信息，提醒第一终端用户重新设置开立日期，在此不做限定。
在另一个实施方式中，服务器进一步地从该请求中获取第一终端的标识信息，并在判断开立日期是否在预设时间范围内的步骤之前判断该第一终端的标识信息是否为有效信息，并在确定为有效信息时，执行判断开立日期是否在预设时间范围的步骤。
303：如果符合所述预设时间范围，所述服务器在所述开立日期到达时锁定所述第一终端的数据单元中与所述数值大小相等的数据，并生成所述数据凭证。
当数据凭证的开立日期在预设时间范围内时，服务器在该申请日到达时，进一步判断第一终端的数据单元中的数据的数值大小是否不小于该请求中包括的数据的大小，如果不小于，则服务器锁定第一终端数据单元中与该请求中包括的数值大小相等的数据，并生成该数据凭证。
可选地，当第一终端的数据单元的数据的数值大小不小于请求中包括的数值大小时，服务器向第一单元发送预锁定通知，服务器接收到第一终端返回的响应通知后，锁定第一终端的数据单元中与所述数值大小相等的数据，并生成所述数据凭证。
下面对本发明实施方式中的数据交互处理方法进行举例说明。
例如，该第一终端为用户A，该服务器为用户B。用户B为多个客户端的管理员，且针对每个客户端具有一个相应的密码用于执行管理员的权限，并且针对每个客户端，对应的管理员权限的重要级别不同。客户端可以是个人计算机、平板电脑、智能手机等能够通过网络与服务器进行数据交互传输的设备。例如，第一客户端为公司服务器、第二客户端为平板电脑、第三客户端为个人计算机。用户A向用户B发出开立数据凭证的请求，其中，该数据凭证中包括开立的日期以及数据凭证对应的第一数据的数值大小，其中，该第一数据为请求其中一个客户端的管理员权限的密码。如，用户A向用户B请求第三客户端的管理员权限的密码。
用户B通过接收该第一数据请求时，判断该开立日期是否在规定的预设时间范围内，如果在预设时间范围内，在该开立日期到达之日，用户B判断当前用户A所具有的第二客户端的管理员权限是否不低于请求的第三客户端的管理员权限，并在确定不低于该第三客户端的管理权限时，冻结用户A对第三客户端的管理员权限，并向用户A授予第三客户端的管理员权限。即，用户A将无法使用对应的密码对第三客户端进行管理。
进一步地，请求的数据还可以是文字数据、音频数据、视频数据、程序数据或金融领域的资金数据等，如果是资金数据，比如资金，则此时第一终端是第一参与方，服务器是资金管理服务器，例如，银行。如果是音频数据，比如歌曲，此时第一终端可以是手机等具有多媒体播放功能的客户端，服务器为音乐网站服务器。
区别于现有技术，以上实施方式中，第一终端根据用户需求设置符合服务器预设日期范围的数据凭证的开立日期，服务器在锁定第一终端的数据单元中与所述数值大小相等的数据，并生成数据凭证，有利于第一终端对数据的统筹安排与使用，提高数据的利用率。
参阅图4，图4是本发明数据交互处理方法另一实施方式的流程示意图。本实施方式的数据交互处理方法包括如下步骤：
401：服务器接收第一终端发送的申请开立数据凭证的请求，其中，所述请求中包括所述数据凭证的开立日期以及数值。
所述数据凭证为是由服务器根据第一终端的申请，锁定所述第一终端的数据单元内的数值大小与所述数据凭证数值相等的数据后生成的。
所述请求中还包括第一终端的标识信息。
在另一个实施方式中，该请求中还包括数据凭证交互的第二终端的标识信息，以方便服务器实现第一终端与第二终端之间的数据交互。
对应地，服务器接收第一终端发送的所述请求。
402：判断所述申请时间是否符合预设时间范围。
具体地，服务器接收第一终端发送的请求，解析该请求，获取数据凭证的开立日期以及数值。
将数据凭证的开立日期与预设时间范围进行比对，确定开立日期是否在预设时间范围内，如果数据凭证的开立日期不在预设时间范围内，服务器向第一终端发送反馈信息，提醒第一终端用户重新设置开立日期，在此不做限定。
在另一个实施方式中，服务器进一步地从该请求中获取第一终端的标识信息，并在判断开立日期是否在预设时间范围内的步骤之前判断该第一终端的标识信息是否为有效信息，并在确定为有效信息时，执行判断开立日期是否在预设时间范围的步骤。
403：如果符合所述预设时间范围，在所述开立日期到达时锁定所述第一终端与所述数据凭证数值大小相等的数据，并生成所述数据凭证。
当数据凭证的开立日期在预设时间范围内时，服务器在该申请日到达时，进一步判断第一终端的数据单元中的数据的数值大小是否不小于该请求中包括的数据的大小，如果不小于，则服务器锁定第一终端数据单元中与该请求中包括的数值大小相等的数据，并向第一终端开立数据凭证。
可选地，当第一终端的数据单元的数据的数值大小不小于请求中包括的数值大小时，服务器向第一单元发送预锁定通知，服务器接收到第一终端返回的响应通知后，锁定第一终端的数据单元中与所述数值大小相等的数据，并生成所述数据凭证。
进一步地，请求的数据还可以是文字数据、音频数据、视频数据、程序数据或金融领域的资金数据等，如果是资金数据，比如资金，则此时第一终端是第一参与方，服务器是资金管理服务器，，例如，银行。如果是音频数据，比如歌曲，此时第一终端可以是手机等具有多媒体播放功能的客户端，服务器为音乐网站服务器。
区别于现有技术，以上实施方式中，服务器根据第一终端设置的开立日期在锁定第一终端数据单元中与数据凭证对应的数据大小的的数据后，并生成数据凭证，能够使第一终端根据用户需求设置符合服务器预设日期范围的数据凭证的开立日期，有利于第一终端对数据的统筹安排与使用，提高数据的利用率。
参阅图5，图5是本发明数据交互系统一实施方式的结构示意图，本实施例的数据交互处理系统包含的各装置用于执行图3对应的实施例中各步骤，具体请参阅图3以及图3对应的实施例，此处不赘述。本实施方式的数据交互系统包括第一终端501以及服务器502，
第一终端501用于向所述服务器502发送申请开立数据凭证的请求，其中，所述请求包括所述数据凭证的开立日期以及数值。
所述服务器502用于判断所述开立日期是否符合预设时间范围。
所述服务器502还用于在所述开立日期符合所述预设时间范围时，在所述开立日期到达时，锁定所述第一终端501的数据单元中与所述数据凭证数值大小相等的数据，并生成所述数据凭证。
区别于现有技术，以上实施方式中，第一终端根据用户需求设置符合服务器预设日期范围的数据凭证的开立日期，服务器在锁定第一终端的数据单元中与所述数值大小相等的数据，并生成该数据凭证，有利于第一终端对数据的统筹安排与使用，提高数据的利用率。
参阅图6，图6是本发明服务器一实施方式的结构示意图。本实施例的服务器包含的各模块用于执行图4对应的实施例中各步骤，具体请参阅图4以及图4对应的实施例，此处不赘述。该服务器包括：接收模块601、处理模块602以及执行模块603，
所述接收模块601用于接收所述第一终端发送的申请开立数据凭证的请求，其中，所述请求中包括所述数据凭证的开立日期以及数值；
所述处理模块602用于判断所述申请时间是否符合预设时间范围；
所述执行模块603用于在所述申请时间符合所述预设时间范围，锁定所述第一终端与所述数据凭证数值大小相等的数据，并生成所述数据凭证。
区别于现有技术，以上实施方式中，服务器根据第一终端设置的开立日期在锁定第一终端数据单元中与数据凭证对应的数据大小的数据后，生成该数据凭证，能够使第一终端根据用户需求设置符合服务器预设日期范围的数据凭证的开立日期，有利于第一终端对数据的统筹安排与使用，提高数据的利用率。
以上所述仅为本发明的实施方式，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (10)

  1. 一种电子凭证设置方法，其特征在于，所述方法包括以下步骤：
    第一参与方向资金管理服务器发送申请开立电子凭证的请求，其中所述请求包括所述电子凭证的开立日期以及额度；
    所述资金管理服务器判断所述开立日期是否符合预设时间范围；
    如果符合所述预设时间范围，所述资金管理服务器在所述开立日期到达时，冻结所述第一参与方指定账户中与所述请求包括的额度相等的资金或支用与所述请求包括的额度相等的授信，并开立所述电子凭证。
  2. 根据权利要求1所述的方法，其特征在于，所述资金管理服务器在所述开立日期到达时，冻结所述第一参与方指定账户与所述请求包括的额度相等的资金或支用与所述请求包括的额度相等的授信，并开立所述电子凭证的步骤之前还包括：
    所述资金管理服务器判断所述第一参与方指定账户资金或授信额度是否不小于所述额度；并在确定不小于时，冻结所述第一参与方与所述请求包括的额度相等的资金或支用与所述请求包括的额度相等的授信，并开立所述电子凭证。
  3. 根据权利要求1或2所述的方法，其特征在于，所述资金管理服务器冻结所述第一参与方与指定账户中与所述请求包括的额度相等的资金或支用与所述请求包括的额度相等的授信，并开立所述电子凭证之前还包括：
    所述资金管理服务器向所述第一参与方发送预冻结信息；
    所述第一参与方向所述资金管理服务器发送响应所述预冻结信息的通知后，所述资金管理服务器冻结所述第一参与方指定账户中与所述请求包括的额度相等的资金或支用与所述请求包括的额度相等的授信，并开立所述电子凭证。
  4. 根据权利要求1所述的方法，其特征在于，所述请求还包括所述第一参与方的身份信息；
    在所述资金管理服务器判断所述申请时间是否符合预设时间范围的步骤之前，所述方法还包括：
    所述资金管理服务器判断所述第一参与方的身份信息是否为有效身份信息，并在确定为有效信息时执行所述判断所述开立日期是否符合预设时间范围的步骤。
  5. 根据权利要求1所述的方法，其特征在于，所述请求中还包括收证的第二参与方的账户及身份信息。
  6. 一种电子凭证设置方法，其特征在于，所述方法包括以下步骤：
    资金管理服务器接收第一参与方发送的申请开立电子凭证的请求，其中，所述请求包括所述电子凭证的开立日期以及额度；
    判断所述开立日期是否符合预设时间范围；
    如果符合所述预设时间范围，在所述开立日期到达时，冻结所述第一参与方指定账户中与所述额度相等的资金或支用与所述请求包括的额度相等的授信，并立所述电子凭证。
  7. 一种数据交互处理方法，其特征在于，所述方法包括如下步骤：
    第一终端向服务器发送申请开立数据凭证的请求，其中，所述请求包括所述数据凭证的开立日期以及数值；
    所述服务器判断所述开立日期是否符合预设时间范围；
    如果符合所述预设时间范围，所述服务器在所述开立日期到达时锁定所述第一终端的数据单元中与所述数值大小相等的数据，并生成所述数据凭证。
  8. 一种数据交互处理方法，其特征在于，所述方法包括如下步骤：
    服务器接收第一终端发送的申请开立数据凭证的请求，其中，所述请求中包括所述数据凭证的开立日期以及数值；
    判断所述申请时间是否符合预设时间范围；
    如果符合所述预设时间范围，在所述开立日期到达时锁定所述第一终端与所述数据凭证数值大小相等的数据，并生成所述数据凭证。
  9. 一种数据交互系统，其特征在于，所述数据交互系统包括第一终端以及服务器；
    所述第一终端用于向所述服务器发送申请开立数据凭证的请求，其中，所述请求包括所述数据凭证的开立日期以及数值；
    所述服务器用于判断所述开立日期是否符合预设时间范围；
    所述服务器还用于在所述开立日期符合所述预设时间范围时，在所述开立日期到达时，锁定所述第一终端的数据单元中与所述数据凭证数值大小相等的数据，并生成所述数据凭证。
  10. 一种服务器，其特征在于，所述服务器包括：接收模块、处理模块以及执行模块，
    所述接收模块用于接收所述第一终端发送的申请开立数据凭证的请求，其中，所述请求中包括所述数据凭证的开立日期以及数值；
    所述处理模块用于判断所述申请时间是否符合预设时间范围；
    所述执行模块用于在所述申请时间符合所述预设时间范围，锁定所述第一终端与所述数据凭证数值大小相等的数据，并生成所述数据凭证。
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