WO2017011992A1

WO2017011992A1 - Electronic certificate setting method, and data interaction processing method, device and system

Info

Publication number: WO2017011992A1
Application number: PCT/CN2015/084558
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Also published as: CA2993027A1; CA3224039A1

Abstract

An electronic certificate setting method, and a data interaction processing method, device and system, the electronic certificate setting method comprising: after sending a first request to open an electronic certificate to a funds management server, a first participant sends a second request to reset an opening date of the electronic certificate to the funds management server, the second request comprising a reset opening date of the electronic certificate, the first request comprising a set electronic certificate limit (101); the funds management server determines whether the reset opening date satisfies a predetermined setting condition (102); if the reset opening date satisfies the predetermined setting condition, the funds management server, when the reset opening date is reached, freezes funds in a specified account of the first participant which are equal to the limit included in the first request or supports credit which is equal to the limit included in the first request, and opens the electronic certificate (103). The method is advantageous for the reasonable arrangement of funds usage by the first participant, improves the experience, and enriches online transaction means.

Description

Electronic voucher setting method, data interaction processing method, device and system

【技术领域】[Technical Field]

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.

【背景技术】【Background technique】

With the development of Internet technologies, especially mobile Internet technologies, users' daily behaviors can theoretically connect to the Internet through mobile devices using 2G, 3G, 4G or wifi. Therefore, the network environment can not be offline in terms of user convenience. The advantage of comparison.

For example, in e-commerce applications, 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. However, 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.

Similarly, when the user performs data interaction of other behaviors in the network environment, there may also be problems in that the form of the interaction data cannot be customized, but brings risks to the data interaction parties or affects the user experience.

【发明内容】 [Summary of the Invention]

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 diversity of online transactions, enriching the means of transaction.

In order to solve the above technical problem, the first technical solution adopted by the embodiment of the present invention is to provide a method for setting an electronic voucher, comprising: after the first participation direction fund management server sends the first request for opening the electronic voucher, to the The fund management server sends a second request to reset the electronic voucher opening date; wherein the second request includes resetting an opening date of the electronic voucher; the first request includes configuring a quota of the electronic voucher ;

The money management server determines whether the reset opening date meets a predetermined setting condition;

If the predetermined setting condition is met, the fund management server resets the opening date of the electronic voucher, and when the reopened opening date arrives, freezes the first participant in the designated account and the first The request includes an equal amount of funds or a credit equal to the amount included in the first request, and the electronic voucher is opened.

In order to solve the above technical problem, 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 the opening electronic voucher sent by the first participant Receiving, after a request, a second request for resetting an electronic voucher opening date sent by the first participant; wherein the second request includes resetting an opening date of the electronic voucher; the first request includes Configuring a quota of the electronic voucher;

Determining whether the reset opening date meets a predetermined setting condition;

If the predetermined setting condition is met, the fund management server resets the opening date of the electronic voucher, and when the reset opening date arrives, freezing the first participant specifying account and the first request includes The funds of equal amount or the credits equivalent to the amount included in the first request are used, and the electronic voucher is opened.

Different from the prior art, in the foregoing implementation manner, the first participant may reset the electronic voucher according to the needs of the user to meet the opening date of the preset time range of the fund management server, which is beneficial to the first participant to rationally arrange the fund application. 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.

To solve the above technical problem, the third technical solution adopted by the embodiment of the present invention is to provide a data interaction method, where the method includes: after the first terminal sends a first request for opening a data credential to the server, to the The server sends a second request to reset the data voucher opening date, wherein the second request includes resetting an opening date of the data voucher; the first request includes configuring a value of the data voucher;

Determining, by the server, whether the reset opening date meets a predetermined setting condition;

If the predetermined setting condition is met, the server resets the opening date of the data voucher, and locks the permission of the data of the first terminal to the data of the same size when the reset opening date arrives And generating the data credentials.

In order to solve the above technical problem, the fourth technical solution adopted by the embodiment of the present invention is: providing a data interaction processing method, the method comprising: receiving, by the server, the first request for opening the data credential sent by the first terminal, receiving a second request for resetting a data credential opening date sent by the first terminal, wherein the second request includes a reset date of resetting the data credential; the first request includes configuring the data credential Numerical value

In order to solve the above technical problem, the fifth technical solution adopted by the embodiment of the present invention is to provide a data interaction processing system, where the data interaction system includes: a first terminal and a server, where the first terminal is used to send to the server After opening the first request for the data credential, sending a second request to the server to reset the data credential opening date, wherein the second request includes resetting an opening date of the data credential; the first The request includes a value that configures the data voucher;

The server is configured to determine whether the reset opening date meets a predetermined setting condition;

The server is further configured to reset an opening date of the data voucher when the reset opening date meets a predetermined setting condition, and lock the data of the first terminal when the reset opening date arrives The authority of the data in the unit that is equal in size to the value and generates the data credential.

In order to solve the above technical problem, the 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 sending by the first terminal. After the first request for opening the data credential, receiving a second request for resetting the data credential opening date sent by the first terminal, where the second request includes resetting an opening date of the data credential; The first request includes configuring a value of the data voucher;

The processing module is configured to determine whether the reset opening date is in accordance with a predetermined setting condition;

The execution module is configured to: when the reset opening date meets the predetermined setting condition, resetting the opening date of the data credential to lock the data unit of the first terminal and the data credential value are equal in size The permissions of the data and generate the data credentials.

Different from the prior art, in the foregoing implementation manner, the first terminal re-sets the opening date of the valid data credential according to the user requirement, and the server locks the data of the first terminal and the data of the same size as the value of the data, and Opening the data credential to the first terminal facilitates the overall arrangement and use of the data by the first terminal, thereby improving data utilization.

【附图说明】 [Description of the Drawings]

1 is a schematic flow chart of an embodiment of an electronic voucher setting method according to the present invention;

2 is a schematic flow chart of another embodiment of an electronic voucher setting method according to the present invention;

3 is a schematic flowchart of an embodiment of a data interaction processing method according to the present invention;

4 is a schematic flowchart of another embodiment of a data interaction processing method according to the present invention;

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.

【具体实施方式】【detailed description】

The present invention will be described in detail below with reference to the accompanying drawings and embodiments.

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.

Please refer to FIG. 1. 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:

After the first participation direction fund management server sends the first request for opening the electronic voucher, sending a second request for resetting the electronic voucher opening date to the fund management server; wherein the second request includes a resetting Declaring an opening date of the electronic voucher; the first request includes a quota for configuring the electronic voucher.

Among them, the money management server is usually installed in a financial institution such as a bank.

Wherein, 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 first request further includes identity information of the first party.

In another embodiment, the first request further includes receiving the identity information of the second party of the electronic voucher corresponding to the funds or the credit to facilitate the second party to receive. Understandably, in an e-commerce transaction, the first party is usually a buyer and the second party is usually a provider. The identity information of the second party includes the account number of the second party, and may also include the identity information of the second party'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.

Specifically, after the first participant sends the first request for opening the electronic voucher to the fund management server, the first participating party sends a reset to the fund management server because the opening date set in the first request is unreasonable or other reasons. The electronic voucher opens a second request for the date. The second request includes an opening date for resetting the electronic voucher.

Correspondingly, the fund management server receives the first request and the second request.

In another embodiment, after receiving the first request, the fund management server parses the first request, acquires identity information of the first participant from the first request, and verifies the identity information of the first participant to determine the first The validity of the identity information of the participants. Specifically, if it is determined whether the identity information is authentic and valid, and whether there is a bad credit record, etc., the fund management server may further determine, according to the identity information of the first participant, whether the first participant belongs to a special group, such as a minor. When it belongs to a special group, whether the corresponding judgment meets the upper limit of the quota of the group, for example, the amount of the electronic certificate applied by the minor is prohibited to exceed 2000, and is not limited herein.

If the identity information of the first party is authentic and valid identity information, and the amount of the electronic certificate is in compliance with the regulations, the fund management server sends a message to the first participant to pre-open the electronic certificate.

After receiving the message, the first party sends a second request to reset the date of opening the electronic voucher to the fund management server.

It should be noted that the first participant may not send the second request for resetting the electronic voucher opening date to the fund management server only after receiving the message of the pre-opening electronic voucher sent by the fund management server, as long as Within the specified time range, the first participant may also actively send a second request for resetting the electronic voucher opening date to the fund management server, which is not limited herein.

102: The fund management server determines whether the reset opening date meets a predetermined setting condition.

The fund management server receives the second request sent by the first participant, parses the second request, obtains the opening date to be reset, and then further determines the validity of the opening date to be reset.

Specifically, first, the fund management server determines whether the electronic certificate based on the first request sent by the first participant has been opened, and if it has been opened, the second request to reset the operation of the opening date is an invalid request. Optionally, the fund management server sends the notification information to the first participant. In other implementations, the first participant recommendation may also be given, such as re-applying for opening the electronic certificate, and the like is not limited herein. If the current electronic voucher has not been opened, the fund management server determines whether the second request is real information, such as determining whether the second request is sent by the second participant itself, and determining the authenticity of the information, further determining the opening of the reset. Whether the date is within the valid time range, such as whether it is within the specified time limit, etc.

Further, the fund management server further detects the reset opening date to determine whether it is within a preset time range, and if the reset opening date is not within the preset time range, in a preferred embodiment, the funds The management server sends feedback information to the first participant to remind the first participant to reset the opening date, which is not limited herein.

It should be noted that the determining step and the sequence of whether the resetting the opening date is valid is not limited to the above embodiment. In other embodiments, the process of determining whether the reset opening date is valid is The scope of the invention is not limited herein.

103: If the reset opening date meets a predetermined setting condition, the fund management server resets an opening date of the electronic voucher, and freezes the first participant when the reset opening date arrives Specifying an account in the account equal to the amount included in the first request or using a credit equal to the amount included in the first request, and opening the electronic voucher.

Specifically, after determining, determining that the reset opening date is a valid opening date, the fund management server resets the opening date of the electronic voucher, and when the date arrives, further determining the first participant to specify the account funds or Whether the credit line is not less than the amount of the electronic voucher. The first participant designated account is not limited to an account stored or opened by the fund management server.

If the first participant specifies that the account funds or the credit amount is not less than the credit amount of the electronic voucher, the fund management server freezes the funds or the use of the electronic voucher amount corresponding to the first request by the first participant designated account. The first request includes an equal amount of credit, and an electronic voucher is issued. If the amount of funds or credits of the first participant's designated account is less than the amount of the electronic voucher, the fund management server sends a feedback message to the first participant for reminding, which is not limited herein.

Optionally, when the first participant specifies that the account funds or the credit line is not less than the credit amount of the electronic certificate, the fund management server sends the pre-freeze information to the first participant, and the first participant receives the pre-freeze information to determine to accept the frozen funds. Or, when the credit line is received, the confirmation message for responding to the pre-freeze information is sent to the fund management server, and after receiving the confirmation message, the fund management server freezes the funds or the expenditures of the first participant's designated account and the amount included in the first request. The first request includes credits of equal amount and opens 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.

In the above embodiment, the frozen funds or the credit line used are 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 funds corresponding to the real estate mortgaged by the first participant.

Of course, it can be understood that other party accounts that are different from the first party account are also feasible.

For example, the first participating party applies for the first request to open the 100,000 electronic voucher, wherein the first request includes the opening date of 20 days, and the first participant finds the current first request. The opening date is unreasonable, and the second request for resetting the electronic voucher opening date is sent to the fund management server, wherein the second request includes the opening date of the resetting is 10 days, and the fund management server receives the second request. Determining whether the second request information itself is true information, and determining whether the operation of resetting the opening date is within a prescribed time limit, and determining whether the reset opening date is within a valid time range, and determining that the above conditions are satisfied Further judgment, whether the amount of the designated party's designated account funds or credits is not less than the amount of the electronic voucher applied for 100,000 yuan, if the current first party specifies the account funds or the credit line is 300,000, more than 100,000, the fund management server After freezing the 100,000 funds or the 100,000 credits on the designated account of the first party on the date of opening, the quota is 100,000. Child certificate.

Different from the prior art, in the above embodiment, the first participant can freely reset the opening date of the electronic voucher within the specified conditions according to his own needs, which is beneficial for the first party to rationally arrange the fund application and improve the experience. Moreover, 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.

Referring to FIG. 2, 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:

201: After receiving the first request for opening the electronic voucher sent by the first participant, the fund management server receives a second request for resetting the electronic voucher opening date sent by the first participant; wherein, the The second request includes a date of opening the electronic voucher; the first request includes a quota for configuring the electronic voucher.

Wherein, 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.

In another embodiment, the request further includes acquiring the funds corresponding to the electronic voucher or the identity information of the second party of the credit, so as to facilitate the second party to collect the funds or the credit line corresponding to the electronic voucher. Understandably, in an e-commerce transaction, the first party is usually a buyer and the second party is usually a provider. The identity information of the second party includes the account number of the second party, and may also include the identity information of the second party'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.

Specifically, after the first party sends the first request for opening the electronic voucher to the fund management server, the first request includes the opening date and the credit of the electronic voucher. The first participating party funds management server sends a second request to reset the electronic voucher opening date because the opening date set in the first request is unreasonable or for other reasons. The second request includes an opening date for resetting the electronic voucher.

202: Determine whether the reset opening date meets a predetermined setting condition.

Specifically, first, the fund management server determines whether the electronic certificate based on the first request sent by the first participant has been opened, and if it has been opened, the second request to reset the opening date is an invalid request. Optionally, the fund management server sends the notification information to the first participant. In other implementations, the first participant recommendation may also be given, such as re-applying for opening the electronic certificate, and the like is not limited herein. If the current electronic voucher has not been opened, the fund management server determines whether the second request is real information, such as determining whether the second request is sent by the second participant itself, and determining the authenticity of the information, further determining the opening of the reset. Whether the date is within the valid time range, if it is judged whether it is within the specified time limit, etc., it is not limited here.

Further, the fund management server further detects the reset opening date and determines whether it is within a preset time range, which is not limited herein. If the reset opening date is not within the preset time range, in a preferred embodiment, the fund management server sends feedback information to the first participant to remind the first participant to reset the opening date, where Not limited.

It should be noted that the above-mentioned determination steps and sequence for determining whether the reset opening date is valid are not limited to the above embodiment, and in other embodiments, the process of determining whether the reset opening date is valid or not belongs to the present embodiment. The scope of the invention is not limited herein.

203: If the reset opening date meets the predetermined setting condition, the fund management server resets the opening date of the electronic voucher, and freezes the first participant designated account when the reset opening date arrives The funds equal to the amount included in the first request or the credits equal to the amount included in the first request, and the electronic voucher is opened.

Specifically, after determining, determining that the reset opening date is a valid opening date, when the fund management server resets the opening date of the electronic voucher, and when the date arrives, further determining the first participating party designated account Whether the amount of funds or credits is not less than the amount of the electronic voucher. The first participant designated account is not limited to an account stored or opened by the fund management server.

If the first participant specifies that the account funds or the credit amount is not less than the credit amount of the electronic voucher, the fund management server freezes the funds or the use of the electronic voucher amount corresponding to the first request by the first participant designated account. The first request includes an equal amount of credit, and an electronic voucher is issued to the first party. If the amount of funds or credits of the first participant's designated account is less than the amount of the electronic voucher, the fund management server sends a feedback message to the first participant for reminding, which is not limited herein.

Optionally, when the first participant specifies that the account funds or the credit line is not less than the credit amount of the electronic voucher, the fund management server sends the pre-freeze information to the first participant, and the first participant receives the pre-freeze information to determine that the freeze is accepted. Sending a confirmation message to the fund management server in response to the pre-freeze information, after receiving the confirmation message, the fund management server freezes the funds or the expenditures of the first participant-specified account and the first request to include the first request Include equal credits and open electronic vouchers. If the response notice of the first participant is not received within the predetermined time, the request to open the electronic voucher is invalid.

Referring to FIG. 3, 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:

301: After the first terminal sends the first request for opening the data credential to the server, sending, to the server, a second request for resetting the data credential opening date, where the second request includes the data credential reset Opening a date; the first request includes a value that configures the data credential.

The data credential is generated by the server according to the application of the first terminal, locking the right value of the data in the data unit of the first terminal and the data of the data credential value.

The request further includes identification information of the first terminal.

In another embodiment, the first request further includes the 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.

Specifically, after the first terminal sends the first request for opening the data credential to the server, the first terminal sends a second reset to the server to reset the date of opening the data credential because the opening date set by the first terminal user is unreasonable. a request, wherein the second request includes an opening date for resetting the data voucher.

Correspondingly, the server receives the first request and the second request.

In another embodiment, after receiving the first request, the server parses the identifier information of the first terminal to determine whether the identifier information is valid information, and if the identifier information is valid information, and the value of the data certificate meets the requirements. The server sends information to the first terminal that pre-generates the data certificate.

After receiving the information, the first terminal sends a second request for resetting the data voucher opening date to the server according to the user demand.

302: The server determines whether the reset opening date meets a predetermined setting condition.

The server receives the second request sent by the first terminal, parses the second request, obtains the opening date to be reset, and further determines whether the opening date to be reset meets the predetermined setting condition. It should be noted that the opening date to be reset is the opening date of the reset data certificate included in the second request.

Specifically, first, the server determines whether the data certificate based on the first request has been generated, and if it has been generated, the second request of the first terminal to reset the opening date is an invalid request. Optionally, the server sends the notification information to the first terminal. In other implementations, the first terminal user recommendation may also be given, such as re-applying for opening the data certificate, and the like, which is not limited herein. If the current data voucher has not been generated, the server determines whether the second request is authentic information, and after determining the authenticity, further determines whether the reset opening date operation is in compliance with the regulations, such as whether within a prescribed time limit or the like. Further, it is further determined whether the opening date to be reset is within a preset time range, and if the opening date to be reset is not within the preset time range, in a preferred embodiment, the server sends the first terminal The feedback information is used to remind the first terminal user to reset the opening date, which is not limited herein.

It should be noted that the determining step and the sequence of the server for determining whether the reset opening date is valid is not limited to the above embodiment, and in other embodiments, the process of determining whether the reset opening date is valid is The scope of the invention is not limited herein.

303: if the predetermined setting condition is met, the server resets an opening date of the data credential, and locks data equal to the numerical value in the data unit of the first terminal when the reset opening date arrives Permissions and generate the data credentials.

Specifically, when the server determines that the reset data credential opening date is a valid opening date, the server resets the opening date of the data credential, and when the date arrives, further determines the first Whether the value of the data in the data unit of the terminal is not smaller than the size of the data included in the first request, and if not less, the server locks the permission of the data in the first terminal data unit that is equal in size to the value included in the request. And generate the data voucher.

Optionally, when the value of the data of the data unit of the first terminal is not smaller than the value of the value included in the first request, the server sends the pre-lock information to the first terminal, where the first terminal receives the pre-lock information, and When the terminal user accepts the pre-lock message, the first terminal sends an acknowledgement message to the server in response to the pre-lock message, and the server receives the acknowledgement message, and locks the size of the data unit included in the first request and the first request. Equivalent permissions for the data and generate the data credentials.

The data interaction processing method in the embodiment of the present invention is exemplified below.

For example, 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. For example, the first client is a company server, the second client is a tablet, and the third client is a personal computer. The user A sends a first request for opening a data credential to the 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 a request for management of one of the clients. Password for the privilege. For example, User A requests User B a password for the administrator rights of the third client. User A needs to reset the opening date, and then sends a second request to user B to reset the data voucher opening date, wherein the second request includes the reset opening date.

When receiving the second request, the user B determines whether the opening date is a valid opening date, and when it is determined to be valid, on the date of the opening date, the user B determines that the current user A has the second customer. Whether the administrator rights of the terminal is 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 administrator rights of the third client, the user rights of the third client are frozen and granted to the user A. Administrator rights for the third client. That is, User A will not be able to manage the third client using the corresponding password.

Further, 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 user is the first party, the server. It is a 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.

Different from the prior art, in the foregoing implementation manner, the first terminal re-sets the opening date of the valid data credential according to the user requirement, and the server locks the data of the first terminal and the data of the same size as the value of the data, and The data voucher is generated, which facilitates the overall arrangement and use of the data by the first terminal, and improves the utilization of the data.

Referring to FIG. 4, 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:

401: After receiving the first request for opening the data credential sent by the first terminal, the server receives a second request for resetting the data credential opening date sent by the first terminal, where the second request includes a resetting Determining a date of opening the data voucher; the first request includes configuring a value of the data voucher.

The request further includes identification information of the first terminal.

Correspondingly, the server receives the first request and the second request.

Correspondingly, the server receives the second request.

402: Determine whether the reset opening date meets a predetermined setting condition.

The server receives the second request sent by the first terminal, parses the second request, obtains the opening date to be reset, and further determines the validity of the opening date with the reset.

403: If the predetermined setting condition is met, the server resets an opening date of the data credential, and locks data equal to the numerical value in the data unit of the first terminal when the reset opening date arrives Permissions and generate the data credentials.

Optionally, when the value of the data of the data unit of the first terminal is not smaller than the value of the value included in the first request, the server sends the pre-lock information to the first terminal, where the first terminal receives the pre-lock information, and When an end user accepts the freezing, the first terminal sends an acknowledgement message to the server in response to the pre-locking information, and the server receives the confirmation message, and locks the data in the data unit of the first terminal that is equal in size to the value included in the first request. Permissions and generate the data credentials.

Different from the prior art, in the foregoing implementation manner, the server generates a data credential according to the opening date of the first terminal reset data credential after locking the data of the data size corresponding to the data credential in the first terminal data unit, and The first terminal is configured to reset the opening date of the data certificate that meets the preset date range of the server according to the user requirement, which is beneficial to the first terminal to arrange and use the data in an integrated manner, thereby improving data utilization.

Referring to FIG. 5, 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. For details, refer to FIG. 3 and The corresponding embodiment of FIG. 3 is not described herein. The data interaction system of this embodiment includes a first terminal 501 and a server 502.

After the first terminal 501 is configured to send the first request for opening the data credential to the server 502, send a second request for resetting the data credential opening date to the server 502, where the second request includes a reset a date of opening the data voucher; the first request includes a value of configuring the data voucher;

The server 502 is configured to determine whether the reset opening date meets a predetermined setting condition;

The server 502 is further configured to reset an opening date of the data voucher when the reset opening date meets a predetermined setting condition, and lock the first terminal 501 when the reset opening date arrives The data unit has the right to the same size as the value of the data and generates the data credential.

Different from the prior art, in the foregoing implementation manner, the first terminal re-sets a valid opening date according to the user requirement, and the server locks the authority of the data equal to the numerical value in the data unit of the first terminal, and generates the The data voucher is beneficial to the first end user to arrange and use the data to improve the utilization of the data.

Referring to FIG. 6, 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 . For details, refer to the embodiments in FIG. 4 and FIG. 4 , and details are not described herein. The server includes: a receiving module 601, a processing module 602, and an executing module 603.

The receiving module 601 is configured to receive, after receiving the first request for opening the data credential sent by the first terminal, a second request for resetting the data credential opening date sent by the first terminal, where the second request is And including a date of opening the data voucher; the first request includes configuring a value of the data voucher;

The processing module 602 is configured to determine whether the reset opening date meets a predetermined setting condition;

The executing module 603 is configured to: when the reset opening date meets the predetermined setting condition, resetting the opening date of the data credential to lock the data unit of the first terminal and the data credential value are equal in size The permissions of the data and generate the data credentials.

Different from the prior art, in the foregoing implementation manner, 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 reset by the first terminal, the server generates a data voucher, which can enable the first The terminal resets the opening date of the data certificate that meets the preset date range of the server according to the user's requirement, which is beneficial to the first terminal user to arrange and use the data in an integrated manner, thereby improving data utilization.

The above is only the embodiment of the present invention, and is not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformations made by the description of the invention and the drawings are directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of the present invention.

Claims

An electronic voucher setting method, characterized in that the method comprises the following steps:

After the first participation direction fund management server sends the first request for opening the electronic voucher, sending a second request for resetting the electronic voucher opening date to the fund management server; wherein the second request includes a resetting Determining an opening date of the electronic voucher; the first request includes configuring a quota of the electronic voucher;

The money management server determines whether the reset opening date meets a predetermined setting condition;

If the predetermined setting condition is met, the fund management server resets the opening date of the electronic voucher, and when the reset opening date arrives, freezing the first participant specifying account and the first request includes The funds of equal amount or the credits equivalent to the amount included in the first request are used, and the electronic voucher is opened.
The method according to claim 1, wherein the specific step of the first participation direction after the fund management server sends the first request to open the electronic voucher to the second request is:

Sending, by the fund management server, a message pre-opening the electronic voucher to the first participant;

The first participant sends a second request to reset the electronic voucher opening date to the fund management server according to the message.
The method of claim 2, wherein the first request further comprises identity information of the first party;

Before the step of the fund management server sending the message to the first participant to pre-open the electronic voucher, the method further includes:

The fund management server determines whether the identity information of the first participant is valid identity information, and sends a pre-opening to the first participant when determining that the identity information of the first participant is valid identity information. The notification of the electronic voucher.
The method according to claim 1, wherein the freezing of the first participant designated account and the amount of money included in the first request are frozen when the reset opening date arrives And the step of opening the electronic voucher corresponding to the credit included in the first request, and the step of opening the electronic voucher further includes:

Determining, by the fund management server, whether the first participant specifies the account fund or the credit line is not less than the amount included in the first request; and when determining not to be less than, freezing the first participant designated account terminal and the The first request includes an equal amount of funds or a credit equal to the amount included in the first request, and the electronic voucher is opened.
The method according to claim 1 or 4, wherein the money management server freezes funds or expenditures in the first participant designated account that are equal to the amount included in the first request and the first The request includes an equal amount of credit, and before the opening of the electronic voucher, it also includes:

The fund management server sends pre-freeze information to the first participant;

The first participation direction, the fund management server sends a confirmation message in response to the pre-freeze information;

The fund management server freezes funds in the first participant designated account that are equal to the amount included in the first request or uses a credit equal to the amount included in the first request, and opens the electronic certificate .
An electronic voucher setting method, characterized in that the method comprises the following steps:

After receiving the first request for opening the electronic voucher sent by the first participant, the fund management server receives a second request for resetting the electronic voucher opening date sent by the first participant; wherein the second request Including resetting an opening date of the electronic voucher; the first request includes configuring a quota of the electronic voucher;

Determining whether the reset opening date meets a predetermined setting condition;

If the predetermined setting condition is met, the fund management server resets the opening date of the electronic voucher, and when the reset opening date arrives, freezing the first participant specifying account and the first request includes The funds of equal amount or the credits equivalent to the amount included in the first request are used, and the electronic voucher is opened.
A data interaction processing method, characterized in that the method comprises the following steps:

After the first terminal sends the first request for opening the data credential to the server, sending a second request for resetting the data credential opening date to the server, where the second request includes resetting the opening of the data credential a date; the first request includes a value that configures the data credential;

Determining, by the server, whether the reset opening date meets a predetermined setting condition;

If the predetermined setting condition is met, the server resets the opening date of the data voucher, and locks the permission of the data of the first terminal to the data of the same size when the reset opening date arrives And generating the data credentials.
A data interaction processing method, characterized in that the method comprises the following steps:

After receiving the first request for opening the data credential sent by the first terminal, the server receives a second request for resetting the data credential opening date sent by the first terminal, where the second request includes resetting the data a date of opening the voucher; the first request includes configuring a value of the data voucher;

Determining whether the reset opening date meets a predetermined setting condition;

If the predetermined setting condition is met, the server resets the opening date of the data voucher, and locks the permission of the data of the first terminal to the data of the same size when the reset opening date arrives And generating the data credentials.
A data interaction processing system, characterized in that the data interaction system comprises a first terminal and a server,

After the first terminal sends a first request for opening the data credential to the server, sending, to the server, a second request for resetting the data credential opening date, where the second request includes resetting the data a date of opening the voucher; the first request includes configuring a value of the data voucher;

The server is configured to determine whether the reset opening date meets a predetermined setting condition;

The server is further configured to reset an opening date of the data voucher when the reset opening date meets a predetermined setting condition, and lock the data of the first terminal when the reset opening date arrives The authority of the data in the unit that is equal in size to the value and generates the data credential.
A server, comprising: a receiving module, a processing module, and an executing module,

After receiving the first request for opening the data credential sent by the first terminal, the receiving module receives a second request for resetting the data credential opening date sent by the first terminal, where the second request includes Resetting a date of opening the data credential; the first request includes configuring a value of the data credential;

The processing module is configured to determine whether the reset opening date meets a predetermined setting condition;

The execution module is configured to: when the reset opening date meets a predetermined setting condition, resetting an opening date of the data credential to lock the data unit of the first terminal and the data credential value are equal in size The permissions of the data and generate the data credentials.