WO2017011993A1 - Procédé d'établissement de certificat électronique et procédé, dispositif et système de traitement d'interaction de données - Google Patents

Procédé d'établissement de certificat électronique et procédé, dispositif et système de traitement d'interaction de données Download PDF

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Publication number
WO2017011993A1
WO2017011993A1 PCT/CN2015/084560 CN2015084560W WO2017011993A1 WO 2017011993 A1 WO2017011993 A1 WO 2017011993A1 CN 2015084560 W CN2015084560 W CN 2015084560W WO 2017011993 A1 WO2017011993 A1 WO 2017011993A1
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WO
WIPO (PCT)
Prior art keywords
request
reset
participant
data
terminal
Prior art date
Application number
PCT/CN2015/084560
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English (en)
Chinese (zh)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to PCT/CN2015/084560 priority Critical patent/WO2017011993A1/fr
Priority to CA2993030A priority patent/CA2993030A1/fr
Publication of WO2017011993A1 publication Critical patent/WO2017011993A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures

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, device and system, which are beneficial to the first terminal to rationally arrange capital application, improve the experience, enrich the diversity of online transactions, and enrich the transaction. the way.
  • 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 a second participant account that receives the electronic voucher; wherein the second request includes a reset second participant account; the first request includes configuring the electronic The amount of the voucher;
  • the fund management server changes the second participant account to the reset second participant account, and freezes the first
  • the participant specifies the funds in the account equal to the amount included in the first request or the credits equal to the amount included in the first request, and opens the electronic certificate.
  • 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 sent by the first participant to reset a second participant account that receives the electronic voucher; wherein the second request includes a second participant account after resetting;
  • the first request includes configuring a fund amount of the electronic voucher;
  • the fund management server changes the second participant account to the reset second participant account, and freezes the first participation
  • the party specifies the funds in the account equal to the amount included in the first request or the credits equal to the amount included in the first request, and opens the electronic certificate.
  • the first participant can freely reset the second participant account that receives the electronic voucher within the specified conditions according to the need, which is beneficial to the first participant to rationally arrange the fund application and improve the experience.
  • the self-discipline of the first participant will be strengthened to match the entire process, and the risk will be further reduced.
  • the present invention also enriches the way in which online transactions are conducted.
  • the third technical solution adopted by the embodiment of the present invention is to provide a data interaction processing method, where the method includes: after the first terminal sends a first request for opening a data credential to the server, Determining, by the server, a second request for resetting the second terminal user information of the electronic voucher, wherein the second request includes the reset second terminal user information; the first request includes configuring the data credential Value
  • the server changes the second terminal user information to the reset second terminal user information, and locks the first terminal
  • the data in the data unit is equal to the value of the numerical value, and the data voucher is generated.
  • 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 sent by the first terminal to reset the second terminal user information of the electronic voucher, wherein the second request includes the reset second terminal user information; the first request includes configuration The value of the data voucher;
  • the server changes the second terminal user information to the reset second terminal user information, and locks data of the first terminal
  • the data credential is generated by the authority of the data in the unit that is equal in size to the numerical value.
  • 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 the first request for opening the data credential, sending, to the server, a second request for resetting second terminal user information for receiving the electronic credential, wherein the second request includes the reset second end user information
  • the first request includes a value that configures the data credential
  • the server is configured to receive the second request, and determine whether the reset user information meets a predetermined setting condition
  • the server is further configured to: when the second terminal user information after the reset meets a predetermined setting condition, change the second terminal user information to the reset second terminal user information, and lock the first
  • the data voucher is generated by the authority of the data in the data unit of the terminal equal to the value of the numerical value.
  • 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.
  • 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.
  • the server After the first request for opening the data credential, receiving a second request sent by the first terminal to reset the second terminal user information of the electronic credential, wherein the second request includes the second after resetting End user information; the first request includes configuring a value of the data voucher;
  • the processing module is configured to receive the second request, and determine whether the reset second terminal user information meets a predetermined setting condition
  • the executing module is configured to: when the reset second terminal user information meets a predetermined setting condition, change the second terminal user information to the reset second terminal user information, and lock the
  • the data credential is generated by the authority of the data in the data unit of the first terminal that is equal in size to the numerical value.
  • the first terminal may reset the second terminal user information that is valid to receive the data credential according to the user requirement, and the server is locked.
  • the right of the data in the data unit of the terminal is equal to the value of the numerical value, 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.
  • FIG. 1 is a schematic flow chart of an embodiment of a method for setting an electronic voucher according to the present invention
  • FIG. 2 is a schematic flow chart of another embodiment of a method for setting an electronic voucher 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 processing 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 participation direction fund management server sends the first request for opening the electronic voucher, sending, to the fund management server, a second request for resetting the second participant account that receives the electronic voucher; wherein The second request includes a second participant account after the reset; the first request includes a quota for configuring the electronic voucher.
  • the money management server is usually installed in a financial institution such as a bank.
  • 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 terminal.
  • the first 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. 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 participant includes not only the account number of the second participant.
  • the first request may further include the identity information of the second party's name, contact number, email address, and ID number. It can also include social methods such as micro-signals and QQ numbers, which are not limited herein.
  • the account of the second participant receiving the electronic voucher needs to be changed due to external reasons, and the first participation direction sends the reset reception to the fund management server.
  • a second request for the second participant account of the electronic voucher wherein the second request includes the reset second participant account.
  • the fund management server receives the first request and the second 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 participant, specifically, determining whether the identity information is authentic and valid, and whether there is a bad credit record, etc.
  • the fund management server may further determine whether the first participant belongs according to the identity information of the first participant If a special group, such as a minor, belongs to a special group, the corresponding judgment is in line with the upper limit of the group. For example, the amount of the electronic certificate applied by the minor is prohibited to exceed 2000, and is not limited here.
  • the fund management server sends a message to the first participant to pre-open the electronic certificate.
  • the first party 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.
  • the first party can only send the second party account of the second party that receives the electronic certificate to the fund management server after receiving the message of the pre-opening electronic voucher sent by the fund management server.
  • the request as long as the specified time range, the first party may also send a second request to reset the second participant account to the fund management server, which is not limited herein.
  • the fund management server receives the second request, and determines whether the reset second participant account meets a predetermined setting condition.
  • the fund management server receives the second request sent by the first terminal, parses the second request, acquires a second participant account that is to be reset to receive the electronic certificate, and further determines the second participant account to be reset. Whether the predetermined setting conditions are met.
  • the second participant account that receives the electronic voucher to be reset is the reset second participant account included in the second request.
  • the fund management server determines whether the electronic certificate based on the first request sent by the first participant has been opened. If it has been opened, the second request to reset the second participant account 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 whether it is sent by the first party, whether the time for sending the second request is within a specified time range, etc., determining that the information is true. After that, it is further determined whether the reset second party account information is accurate, such as whether the identity information of the second participant matches the basic information of the account.
  • the fund management server sends feedback information to the first participant to remind the first participant to reset the second participant.
  • Party account number is not limited here.
  • the determining step and sequence of whether the second participant account to be reset is valid is not limited to the above embodiment. In other embodiments, the process of determining whether the reset opening date is valid is determined. All of them are included in the scope of the invention, which is not limited herein.
  • the fund management server changes the second participant account to the reset second participant account, and freezes the A participant specifies a fund in the account equal to the amount included in the first request or a credit equal to the amount included in the first request, and opens the electronic voucher.
  • the fund management server changes the second participant account to the reset second participant account. And further determining whether the amount of the first party's designated account 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.
  • 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 the first party's designated account or the amount of the credit 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.
  • 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.
  • 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.
  • 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.
  • the first participation direction funds management server applies for the first request to open 100,000 electronic vouchers, wherein the first request includes an account of the second participant receiving the electronic vouch, and the first participant finds the first The second participant account included in the request, the second participant has stopped using, and the first participant sends a second request to the fund management server to reset the second participant account that receives the electronic certificate, wherein the second request is Including the reset second account party account, the fund management server determines that the process of resetting the second party account is in compliance with the regulations, and after the reset second party account meets the predetermined setting conditions, the second participant account is Change to the second participant account after the reset, and further determine whether the quota of the first party's designated account funds or credit is not less than the amount of the electronic voucher applied for 100,000, if the current first party specifies the account funds Or the credit line is 300,000, which is more than 100,000.
  • the fund management server freezes 100,000 yuan on the designated account of the first party on the opening date. After the gold or the payment of 100,000 credits, an electronic
  • the first participant can freely reset the second participant account that receives the electronic voucher within the specified conditions according to the need, which is beneficial to the first participant to rationally arrange the fund application and improve the experience.
  • the self-discipline of the first participant will be strengthened to match the entire process, and the risk will be further reduced.
  • 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 After receiving the first request for opening the electronic voucher sent by the first participant, the fund management server receives a second request sent by the first participant to reset the second participant account that receives the electronic voucher.
  • the second request includes a second participant account after the reset; the first request includes a fund quota for configuring the electronic voucher.
  • the money management server is usually installed in a financial institution such as a bank.
  • 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 further includes identity information of the first terminal.
  • the first 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. 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 participant includes not only the account number of the second participant.
  • the first request may further include the identity information of the second party's name, contact number, email address, and ID number. It can also include social methods such as micro-signals and QQ numbers, which are not limited herein.
  • the account of the second participant receiving the electronic voucher needs to be changed due to external reasons, and the first participation direction sends the reset reception to the fund management server.
  • a second request for the second participant account of the electronic voucher wherein the second request includes the reset second participant account.
  • the fund management server receives the first request and the second 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 participant, specifically, determining whether the identity information is authentic and valid, and whether there is a bad credit record, etc.
  • the fund management server may further determine whether the first participant belongs according to the identity information of the first participant If a special group, such as a minor, belongs to a special group, the corresponding judgment is in line with the upper limit of the group. For example, the amount of the electronic certificate applied by the minor is prohibited to exceed 2000, and is not limited here.
  • the fund management server sends a message to the first participant to pre-open the electronic certificate.
  • the first party 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.
  • the first party can only send the second party account of the second party that receives the electronic certificate to the fund management server after receiving the message of the pre-opening electronic voucher sent by the fund management server.
  • the request as long as the specified time range, the first party may also send a second request to reset the second participant account to the fund management server, which is not limited herein.
  • the fund management server receives the second request sent by the first terminal, parses the second request, acquires a second participant account that is to be reset to receive the electronic certificate, and further determines the second participant account to be reset. Whether the predetermined setting conditions are met.
  • the second participant account that receives the electronic voucher to be reset is the reset second participant account included in the second request.
  • the fund management server determines whether the electronic certificate based on the first request sent by the first participant has been opened. If it has been opened, the second request to reset the second participant account 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 whether it is sent by the first party, whether the time for sending the second request is within a specified time range, etc., determining that the information is true. After that, it is further determined whether the reset second party account information is accurate, such as whether the identity information of the second participant matches the basic information of the account.
  • the fund management server sends feedback information to the first participant to remind the first participant to reset the second participant.
  • Party account number is not limited here.
  • the determining step and sequence of whether the second participant account to be reset is valid is not limited to the above embodiment. In other embodiments, the process of determining whether the reset opening date is valid is determined. All of them are included in the scope of the invention, which is not limited herein.
  • the fund management server changes the second participant account to the reset second participant account, and freezes the The first party specifies the funds in the account equal to the amount included in the first request or the credits equal to the amount included in the first request, and opens the electronic certificate.
  • the fund management server changes the second participant account to the reset second participant account. Further determining whether the amount of the designated party's designated account 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.
  • 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 opened. If the amount of the first party's designated account or the amount of the credit 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.
  • 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.
  • 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 an equal amount of credit, and an electronic voucher is opened. 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 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.
  • the first terminal may reset the effective second party account of receiving the electronic voucher according to the needs of the user, thereby facilitating the first terminal to reasonably arrange the fund application and improve the experience. And based on the strength and counter-force of the fund management server, the self-discipline of the first terminal will be strengthened to match the entire process, and the risk will be further reduced.
  • 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 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 second terminal user information that receives the data credential, where the second request includes The second terminal user information is set; the first request includes a value for configuring the data credential.
  • the data credential is opened 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 second terminal does not directly receive the data voucher itself, but finally receives the data corresponding to the data voucher, and implements data interaction.
  • the receiving data voucher itself is a server corresponding to the data unit of the second terminal, the server and the first terminal.
  • the server that applies for opening the data credential may be the same server or a different server. Therefore, the second terminal user information in this embodiment is a data unit that receives the data corresponding to the data credential by the second terminal.
  • 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 first terminal sends the first request for opening the data credential to the server
  • the data unit of the second terminal that is included in the first request and receives the data corresponding to the data credential is invalid or cannot receive the stored data normally.
  • the first terminal sends a second request for resetting user information of the second terminal that receives the data credential to the server, where the second request includes user information of the second terminal that resets the data credential.
  • the server receives the first request and the second request.
  • the server parses the second request, obtains the user information of the reset second terminal, and determines that the user information meets the predetermined setting condition, and the server sends the first terminal to the first terminal. Send information about pre-generated data credentials.
  • the first terminal After receiving the information, the first terminal sends a second request for resetting the user information of the second terminal that receives the data certificate to the server according to the user demand.
  • the server receives the second request, and determines whether the reset second terminal user information meets a predetermined setting condition.
  • the server receives the second request sent by the first terminal, parses the second request, acquires the user information of the second terminal to be reset, and further determines whether the second terminal user information to be reset meets a preset condition. It should be noted that the second terminal user information to be reset is the reset second terminal user information included in the second request.
  • the server determines whether the data credential based on the first request has been generated, and if it has been generated, the second request that the first terminal resets the user information of the second terminal this time is an invalid request.
  • the server sends the notification information to the first terminal.
  • 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.
  • the server determines whether the second request is real information, such as determining whether the identifier of the first terminal that sends the second request is consistent with the identifier of the first terminal that sends the first request, and determines to send After the second request operation itself is valid, the server further determines whether the time for transmitting the second request is within a preset time range, such as whether the modification period is exceeded or the like.
  • the user information of the second terminal to be reset is further determined, that is, whether the data unit of the second terminal is a valid data unit, whether the capacity thereof matches the data size of the data certificate, etc., if one of the foregoing determination results is invalid
  • the server sends the feedback information to the first terminal to remind the first terminal user to reset the user information of the second terminal, which is not limited herein.
  • determining step and the sequence of the server for resetting the second terminal user account are not limited to the foregoing embodiment. In other embodiments, it is determined whether the user information of the second terminal is reset.
  • the effective processes are all included in the scope of the present invention and are not limited herein.
  • the server changes the second terminal user information to the reset second terminal user information, and locks the first
  • the data voucher is generated by the authority of the data in the data unit of the terminal equal to the value of the numerical value.
  • the server determines that the reset second terminal user information of the data certificate is valid, the server changes the second terminal user information to the reset second terminal user information. And further determining whether the value of the data in the data unit of the first terminal is not smaller than the size of the data included in the first request, if not less, the server locks the value included in the first terminal data unit and the request Permissions for equal-sized data and generate the data credentials.
  • the server 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 a pre-lock message to the first terminal, where the first terminal receives the pre-lock message, 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 the data unit of the first terminal is locked to be equal in size to the first request.
  • the permissions of the data and generate the data credentials 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 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.
  • 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 identity information of the administrator authority that owns the third client, and then sends a second request to user B to reset the identity information of user A who receives the data certificate, wherein the second request includes resetting User A's identity information.
  • the user B determines whether the identity information is valid information, and when determining that the identity information is valid, sets the identity information of the user A that receives the third client of the user as the reset identity information.
  • User B determines whether the administrator authority of the client 2 owned by the current user A is not lower than the administrator authority of the requested third client, and freezes the user A pair when determining that the management authority of the third client is not lower than the third client.
  • Three administrator rights for the client, and user A is granted administrator rights for 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 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.
  • the first terminal may reset the second terminal user information that is valid to receive the data credential according to the user requirement, and the server is locked.
  • the right of the data in the data unit of the terminal is equal to the value of the numerical value, 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.
  • 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 After receiving the first request for opening the data credential sent by the first terminal, the server receives a second request sent by the first terminal to reset the second terminal user information that receives the electronic credential, where the The second request includes the reset second terminal user information; the first request includes a value configuring the data credential.
  • the data credential is opened 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 second terminal does not directly receive the data voucher itself, but finally receives the data corresponding to the data voucher, and implements data interaction.
  • the receiving data voucher itself is a server corresponding to the data unit of the second terminal, the server and the first terminal.
  • the server that applies for opening the data credential may be the same server or a different server. Therefore, the second terminal user information in this embodiment is a data unit that receives the data corresponding to the data credential by the second terminal.
  • 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 first terminal sends the first request for opening the data credential to the server
  • the data unit of the second terminal that is included in the first request and receives the data corresponding to the data credential is invalid or cannot receive the stored data normally.
  • the first terminal sends a second request for resetting user information of the second terminal that receives the data credential to the server, where the second request includes user information of the second terminal that resets the data credential.
  • the server receives the first request and the second request.
  • the server parses the second request, obtains the user information of the reset second terminal, and determines that the user information meets the predetermined setting condition, and the server sends the first terminal to the first terminal. Send information about pre-opened data credentials.
  • the first terminal After receiving the information, the first terminal sends a second request for resetting the user information of the second terminal that receives the data certificate to the server according to the user demand.
  • the server receives the second request sent by the first terminal, parses the second request, obtains the user information of the second terminal to be reset, and further determines the validity of the user information of the second terminal to be reset. It should be noted that the second terminal user information to be reset is the reset second terminal user information included in the second request.
  • the server determines whether the data credential based on the first request has been generated, and if it has been generated, the second request that the first terminal resets the user information of the second terminal this time is an invalid request.
  • the server sends the notification information to the first terminal.
  • 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.
  • the server determines whether the second request is real information, such as determining whether the identifier of the first terminal that sends the second request is consistent with the identifier of the first terminal that sends the first request, and determines to send After the second request operation itself is valid, the server further determines whether the time for transmitting the second request is within a preset time range, such as whether the modification period is exceeded or the like.
  • the user information of the second terminal to be reset is further determined, that is, whether the data unit of the second terminal is a valid data unit, whether the capacity thereof matches the data size of the data certificate, etc., if one of the foregoing determination results is invalid
  • the server sends the feedback information to the first terminal to remind the first terminal user to reset the user information of the second terminal, which is not limited herein.
  • determining step and the sequence of the server for resetting the second terminal user account are not limited to the foregoing embodiment. In other embodiments, it is determined whether the user information of the second terminal is reset.
  • the effective processes are all included in the scope of the present invention and are not limited herein.
  • the server changes the second terminal user information to the reset user information, and locks the data unit of the first terminal.
  • the data credential is generated by the authority of the data of the same size as the value.
  • the server determines that the reset second terminal user information of the data certificate is valid, the server changes the second terminal user information to the reset second terminal user information. And further determining whether the value of the data in the data unit of the first terminal is not smaller than the size of the data included in the first request, if not less, the server locks the value included in the first terminal data unit and the request Permissions for equal-sized data and generate the data credentials.
  • the server sends a pre-lock message to the first terminal, where the first terminal receives the pre-lock message, and When the terminal user accepts the pre-lock message, the first terminal receives the lock message, and when the first terminal user accepts the pre-lock message, the first terminal sends a confirmation message to the server in response to the pre-lock message, and the server receives the And confirming a message, locking a right of data in the data unit of the first terminal that is equal in size to the value included in the first request, 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 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.
  • the server after receiving the first request for opening the data credential sent by the first terminal, the server receives the second terminal user information that receives the data credential according to the reset sent by the first terminal.
  • the request is made, when the user information is determined to be valid, the data of the data size corresponding to the data voucher in the first terminal data unit is locked, and the data voucher is generated, which is beneficial to the first terminal to arrange and use the data. Improve data utilization.
  • FIG. 5 is a schematic structural diagram of an embodiment of a data interaction processing system according to the present invention.
  • the data interaction processing system of the embodiment is used to execute the steps in the embodiment corresponding to FIG. 3. For details, refer to FIG. And the corresponding embodiment of FIG. 3, which is not described here.
  • the data interaction system of this embodiment includes a first terminal 501 and a server 502.
  • the first terminal 501 is configured to send the first request for opening the data credential to the server 502, send, to the server 502, a second request for resetting the second terminal user information for receiving the electronic credential, where the The second request includes user information of the second Hu after resetting; the first request includes configuring a value of the data credential;
  • the server 502 is configured to receive the second request, and determine whether the reset second terminal user information meets a predetermined setting condition
  • the server 502 is further configured to: when the second terminal user information after the reset meets the predetermined setting condition, change the second terminal user information to the reset user information, and lock the first terminal 501
  • the data voucher is generated by the authority of the data in the data unit equal to the numerical value.
  • the first terminal may reset the second terminal user information that is valid to receive the data credential according to the user requirement, and the server is locked.
  • the right of the data in the data unit of the terminal is equal to the value of the numerical value, 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.
  • 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, after receiving the first request for opening the data credential sent by the first terminal, a second request sent by the first terminal to reset the second terminal user information that receives the electronic credential, where
  • the second request includes the second terminal user information after the resetting;
  • the first request includes configuring a value of the data credential;
  • the processing module 602 is configured to receive the second request, and determine whether the reset user information meets a predetermined setting condition
  • the executing module 603 is configured to: when the reset second terminal user information meets a predetermined setting condition, change the second terminal user information to the reset second terminal user information, and lock the The data credential is generated by the authority of the data in the data unit of the first terminal that is equal in size to the numerical value.
  • the receiving module after receiving the first request for opening the data credential sent by the first terminal, receives the second terminal user information that receives the data credential according to the reset sent by the first terminal.
  • the execution module locks the data of the data size corresponding to the data voucher in the first terminal data unit, and generates the data voucher, which is beneficial to the first terminal to the data. Coordinate arrangements and use to improve data utilization.

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Abstract

L'invention concerne un procédé d'établissement de certificat électronique et un procédé, un dispositif et un système de traitement d'interaction de données, le procédé d'établissement de certificat électronique consistant à : après l'envoi d'une première demande d'ouverture d'un certificat électronique à un serveur de gestion de fonds, envoyer, au moyen d'un premier participant, une seconde demande de réinitialisation d'un numéro de compte de second participant recevant le certificat électronique, la seconde demande comprenant une réinitialisation de numéro de compte de second participant, la première demande comprenant une limite définie de certificat électronique (101) ; recevoir, au moyen du serveur de gestion de fonds, la seconde demande et déterminer si le numéro de compte réinitialisé de second participant satisfait une condition prédéfinie (102) ; si le numéro de compte réinitialisé de second participant satisfait la condition prédéfinie, modifier, au moyen du serveur de gestion de fonds, le numéro de compte de second participant en numéro de compte réinitialisé de second participant, geler les fonds sur un compte spécifié du premier participant qui équivalent à la limite comprise dans la première demande, ou prendre en charge un crédit qui équivaut à la limite, et ouvrir le certificat électronique (103). Les moyens selon l'invention sont avantageux pour l'accord raisonnable d'utilisation de fonds par un premier terminal, améliorent l'expérience et enrichissent à la fois la diversité de transactions en ligne et de moyens de transaction.
PCT/CN2015/084560 2015-07-21 2015-07-21 Procédé d'établissement de certificat électronique et procédé, dispositif et système de traitement d'interaction de données WO2017011993A1 (fr)

Priority Applications (2)

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PCT/CN2015/084560 WO2017011993A1 (fr) 2015-07-21 2015-07-21 Procédé d'établissement de certificat électronique et procédé, dispositif et système de traitement d'interaction de données
CA2993030A CA2993030A1 (fr) 2015-07-21 2015-07-21 Procede d'etablissement de certificat electronique et procede, dispositif et systeme de traitement d'interaction de donnees

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PCT/CN2015/084560 WO2017011993A1 (fr) 2015-07-21 2015-07-21 Procédé d'établissement de certificat électronique et procédé, dispositif et système de traitement d'interaction de données

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1540560A (zh) * 2003-10-27 2004-10-27 中国建设银行 网上银行办理转帐的方法及系统
CN103827903A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种利用网络支付的方法及系统
US20140214675A1 (en) * 2013-01-25 2014-07-31 Pankaj Sharma Push payment system and method
CN104579663A (zh) * 2013-10-24 2015-04-29 上海中移通信技术工程有限公司 用于限制数字凭证的有效性的方法
CN104735067A (zh) * 2015-03-24 2015-06-24 高艳芳 O2o实名登记准入系统及方法

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1540560A (zh) * 2003-10-27 2004-10-27 中国建设银行 网上银行办理转帐的方法及系统
US20140214675A1 (en) * 2013-01-25 2014-07-31 Pankaj Sharma Push payment system and method
CN103827903A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种利用网络支付的方法及系统
CN104579663A (zh) * 2013-10-24 2015-04-29 上海中移通信技术工程有限公司 用于限制数字凭证的有效性的方法
CN104735067A (zh) * 2015-03-24 2015-06-24 高艳芳 O2o实名登记准入系统及方法

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