WO2017011994A1 - Method, system, and apparatus for setting up electronic certificates and processing data exchange - Google Patents

Abstract

Disclosed in the present invention are a method, system, and apparatus for setting up electronic certificates and processing data exchange, the method comprising: a first terminal sends to a second terminal a first request message to receive an electronic certificate; the second terminal responds to the first request message, setting up a second money management server to receive an electronic certificate and setting up a money account stored in the second money management server to receive money of an equivalent value to that of the electronic certificate, and on the basis of the aforementioned set-up, generates a second request message to receive an electronic certificate and sends said second request message to the second money management server; the second money management server responds to the second request message, receives the electronic certificate, and on the basis of the second request message, updates the information of the second money management server and the money account on the electronic certificate. The present invention enables a second terminal to freely set up a server to receive electronic certificates and an account to receive money, such that certificates can be received in more diversified ways, which is beneficial for improving the efficiency of money exchange between two parties.

Description

Method, system and device for electronic voucher setting and data interaction processing

[Technical Field]

The present invention relates to the field of electronic commerce, and in particular, to a method, system and device for electronic voucher setting and data interaction processing.

 【Background technique】

E-commerce has become more and more widely used in various commercial trade activities. The so-called e-commerce refers to the online shopping of consumers based on browser and server applications in the open Internet environment of commercial trade activities. A business operation model for online transactions and online electronic payments between merchants and various business activities, trading activities, financial activities and related integrated service activities.

The current online electronic payment (network payment) methods mainly include bank online banking payment (including credit card payment) and third party payment. However, the credit bottleneck in the settlement process of online electronic payment (network payment) is always an obstacle in the development of e-commerce.

In the current online electronic payment method, the form of third-party payment company guarantee is less risky. However, in the form of a third-party payment company guarantee, after the payer completes the payment operation, the payee will not be able to make changes to the receiving bank until the recipient receives the funds, and cannot change the receiving bank due to abnormal circumstances. Provide a method of processing.

In addition, with the development of Internet technologies, especially mobile Internet technologies, users can use 2G, 3G, 4G or wifi to perform data transmission and data interaction through mobile devices. When data interaction occurs, similar situations will be encountered. .

 [Summary of the Invention]

The main object of the present invention is to provide a method, system and device for electronic voucher setting and data interaction processing, which can enable a fund or data receiver to set up a server for receiving electronic voucher or data voucher and an account for receiving funds or data, which is beneficial to Improve the efficiency of data interaction.

A technical solution adopted by the present invention is to provide a method for setting an electronic voucher, the method comprising: the first terminal transmitting, to the second terminal, first request information for receiving the electronic voucher; wherein the electronic voucher is the first terminal user and the account thereof The funds or the credit line is used as the deposit to apply for the electronic commitment payment certificate generated by the first fund management server and generated by the first fund management server; the second terminal responds to the first request information, sets the second fund management server to receive the electronic certificate, and sets the storage. The funds account of the second fund management server receives the funds equal to the electronic voucher amount, generates the second request information for receiving the electronic voucher according to the above setting, and sends the second request information to the second fund management server; the second fund management server And responding to the second request information, receiving the electronic voucher, and updating the information of the second fund management server and the fund account to the electronic voucher according to the second request information.

Another technical solution adopted by the present invention is to provide an electronic voucher setting method, which is applied to a second terminal, and the method includes: receiving, by the second terminal, first request information of the electronic voucher sent by the first terminal; wherein, the electronic credential Providing, by the first terminal user, an electronic commitment payment certificate that is applied to the first fund management server and generated by the first fund management server with the account fund or the credit line of the first terminal user; the second terminal responds to the first request information, and sets the second fund management server Receiving an electronic voucher, and setting a fund account stored in the second fund management server to receive funds equal to the electronic voucher amount, generating second request information for receiving the electronic voucher according to the above setting, and transmitting the second request to the second fund management server Request information.

Another technical solution adopted by the present invention is to provide an electronic voucher setting system, which includes a first terminal, a second terminal, a first fund management server, and a second fund management server; the first terminal is used to the second terminal Sending the first request information for receiving the electronic voucher; wherein the electronic voucher is an electronic commitment payment voucher that the first end user applies to the first fund management server and is generated by the first fund management server with the account fund or the credit line as the margin; The second terminal is configured to respond to the first request information, set the second fund management server to receive the electronic voucher, and set the fund account stored in the second fund management server to receive the fund equal to the electronic voucher amount, and generate the receiving electronic voucher according to the above setting. The second request information, and sending the second request information to the second fund management server; the second fund management server is configured to receive the electronic voucher in response to the second request information, and send the second fund management server and the fund according to the second request information. The account information is updated to the electronic voucher.

Another technical solution adopted by the present invention is to provide an electronic voucher setting device, which is applied to a second terminal, the device includes a receiving module, a setting module, a generating module, and a sending module, and the receiving module is configured to receive the receiving sent by the first terminal. The first request information of the electronic voucher; wherein the electronic voucher is an electronic commitment payment voucher that is applied by the first fund management server to the first fund management server by using the account fund or credit line of the first terminal user; And in response to the first request information, setting a second fund management server to receive the electronic voucher, and setting a fund account stored in the second fund management server to receive funds equal to the electronic voucher amount; and generating a module for generating the receiving electronic according to the foregoing setting The second request information of the voucher; the sending module is configured to send the second request information to the second fund management server.

Another technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the first terminal sending, to the second terminal, first request information for receiving the data credential; wherein the data credential is initiated by the first terminal as data a quantification tool for pre-established data association relationship between the party and the first server; the second terminal responding to the first request information, setting the second server to receive the data voucher, and setting the data account stored in the second server to receive the data voucher Corresponding data, according to the second request information set to receive the data voucher, and sending the second request information to the second server; the second server responds to the second request information, receives the data voucher, and according to the second request information The information of the second server and the data account is updated to the data certificate.

Another technical solution adopted by the present invention is to provide a data interaction processing method, which is applied to a second terminal, where the method includes: receiving, by the second terminal, first request information of the received data credential sent by the first terminal; wherein, the data credential Is a quantization tool of the first terminal as a pre-established data association relationship between the data initiator and the first server; the second terminal responds to the first request information, sets the second server to receive the data certificate, and sets the storage in the second server. The data account receives the data corresponding to the data voucher, and sets the second request information to receive the data voucher according to the foregoing, and sends the second request information to the second server.

Another technical solution adopted by the present invention is to provide a data interaction processing system, where the system includes a first terminal, a second terminal, a first server, and a second server; the first terminal is configured to send and receive data credentials to the second terminal. The first request information; wherein the data credential is a quantification tool of the first terminal as a pre-established data association relationship between the data initiator and the first server; the second terminal is configured to respond to the first request information, and set the second server to Receiving a data voucher, and setting a data account stored in the second server to receive data corresponding to the data voucher, according to the second request information set to receive the data voucher, and transmitting the second request information to the second server; The server is configured to receive the data credential in response to the second request information, and update the information of the second server and the data account to the data credential according to the second request information.

Another technical solution adopted by the present invention is to provide a data interaction processing device, which is applied to a second terminal, the device includes a receiving module, a setting module, a generating module, and a sending module, and the receiving module is configured to receive the receiving sent by the first terminal. The first request information of the data credential; wherein the data credential is a quantification tool of the first terminal as a pre-established data association relationship between the data initiator and the first server; the setting module is configured to set the second server in response to the first request information Receiving a data voucher and setting a data account stored in the second server to receive data corresponding to the data voucher; generating a second request information configured to receive the data voucher according to the above; the sending module is configured to send to the second server Send the second request message.

Different from the prior art, in the present invention, the first terminal sends the first request information for receiving the electronic credential to the second terminal; the second terminal responds to the first request information, sets the second fund management server to receive the electronic credential, and sets The funds account stored in the second fund management server receives the funds equal to the electronic voucher amount, generates the second request information for receiving the electronic voucher according to the above setting, and sends the second request information to the second fund management server; the second fund management The server receives the electronic voucher and updates the information of the second fund management server and the fund account to the electronic voucher according to the second request information. In the above manner, the present invention enables the second terminal user to arbitrarily set the server that receives the electronic voucher and the account that receives the funds, so that the form of the certificate is more diversified, which is beneficial to improving the interaction efficiency of both parties. Meanwhile, in the present invention, the first terminal sends the first request information for receiving the data credential to the second terminal; the second terminal responds to the first request information, sets the second server to receive the data credential, and sets the data account stored in the second server. Receiving, according to the data corresponding to the data voucher, receiving the second request information of the data voucher according to the foregoing, and sending the second request information to the second server; the second server receiving the data voucher, and the second request information according to the second request information The information of the server and data account is updated to the data certificate. In the above manner, the present invention can enable the second terminal to arbitrarily set the server that receives the data certificate and the account that receives the data, so that the form of the certificate is more diversified, and the interaction efficiency between the data interaction parties is improved.

 [Description of the Drawings]

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

2 is a schematic diagram showing the relationship between the first embodiment of the electronic voucher setting method of the present invention;

3 is a flow chart of a second embodiment of an electronic voucher setting method of the present invention;

4 is a schematic structural diagram of an embodiment of an electronic voucher setting system of the present invention;

FIG. 5 is a schematic structural diagram of a first embodiment of an electronic voucher setting apparatus according to the present invention; FIG.

6 is a flowchart of a first embodiment of a data interaction processing method of the present invention;

7 is a flowchart of a second embodiment of a data interaction processing method of the present invention;

8 is a schematic structural diagram of an embodiment of a data interaction processing system according to the present invention;

FIG. 9 is a schematic structural diagram of a first embodiment of a data interaction processing apparatus according to the present invention.

【detailed description】

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

Referring to FIG. 1, a flow chart of a first embodiment of an electronic voucher setting method of the present invention. Referring to FIG. 2, a schematic diagram of a relationship between a first embodiment of an electronic voucher setting method according to the present invention includes:

Step 101: The first terminal sends the first request information for receiving the electronic credential to the second terminal.

The electronic voucher is an electronic commitment payment voucher that the first end user applies to the first fund management server and is generated by the first fund management server with the account fund or the credit line as the margin.

Specifically, the electronic voucher refers to an electronic credit commitment payment voucher that the first fund management server freezes funds according to the application of the first terminal user or uses the credit line and generates in the name of the first fund management server, and promises to settle according to the agreed conditions. . The basic business process of the electronic voucher is: the first fund management server freezes the required amount of funds according to the application of the first terminal user to generate an electronic voucher, and when the agreed settlement condition is reached, the first fund management server releases the funds for payment settlement. .

In this embodiment, the first terminal is the first request information for receiving the electronic voucher sent to the second terminal, where the first request information includes at least the identification information of the electronic voucher and the request for requesting the second terminal user to receive the electronic voucher. . The identification information of the electronic voucher may be an electronic voucher number, a name, or two-dimensional code information representing a specific electronic voucher.

In other embodiments, after the first terminal applies to the first fund management server and the electronic certificate is generated by the first fund management server, the first fund management server sends the request information to the second terminal.

The first terminal or the first fund management server may send the first request information to the second terminal by using a short message or a mail, or may send a two-dimensional code information, or may be a first terminal user and a second terminal. The user transmits in person, for example, the second terminal user scans the two-dimensional code generated on the first terminal by using the second terminal.

Step 102: The second terminal responds to the first request information, sets a second fund management server to receive the electronic voucher, and sets a fund account stored in the second fund management server to receive funds equal to the electronic voucher amount, and generates and receives according to the above setting. The second request information of the electronic voucher and the second request information is sent to the second fund management server.

In the embodiment, the second fund management server is configured to receive the electronic voucher, and the setting of the fund account stored in the second fund management server to receive the funds equal to the electronic voucher amount may be the second terminal user passing the second The terminal setting may also be that the server information for receiving the electronic voucher and the fund account information for receiving the funds equal to the electronic voucher amount are pre-stored in the second terminal, and when receiving the first request information, automatically the same as the set server The money management server (ie, the second money management server in the present embodiment) transmits the second request information. In addition, the setting process of the second terminal is only used to generate the second request information, and the information in the electronic voucher is not changed. The information of the subsequent update of the electronic voucher needs to be completed by the second step of the second fund management server.

Specifically, the server information of the electronic terminal that is set by the second terminal and the receiving server that sends the second request information by the second terminal are the same fund management server, that is, the second money management server; therefore, in another embodiment The second request information may not include the server information for receiving the electronic voucher. When the second terminal sends the second request information to the second fund management server, the second fund management server is designated as the electronic voucher by default. Receive server.

After the step 102, the method may further include the step of: the second fund management server verifying the second request information, and after the verification is passed, proceeding to step 103.

The verifying the second request information may include: verifying whether the second terminal user is legal, whether the account information of the second terminal user is correct, or whether the account is stored in the second fund management server.

Step 103: The second fund management server receives the electronic certificate in response to the second request information, and updates the information of the second fund management server and the fund account to the electronic certificate according to the second request information.

The second request information includes at least the identification information of the electronic voucher, so that the second fund management server searches for the electronic voucher according to the identification information. The search may be performed by searching in the database of each other fund management server, or by collecting the electronic voucher information held by each fund management server and searching.

In step 103, after the second fund management server receives the electronic voucher, the status of the electronic voucher may also be verified. After the verification is passed, the information of the second fund management server and the fund account is updated to the electronic voucher according to the second request information. .

The status of the electronic voucher is electronic voucher information, and the electronic voucher information may include information of the first terminal and the first fund management server. Of course, the electronic voucher information may further include credit information, clearing information, and time of issuance of the electronic voucher. Validity; of course, the time and validity period of the issuance can also be directly replaced by the expiration time.

The status of the verification electronic certificate is specifically: the second fund management server determines whether the electronic certificate exceeds the validity period according to the time and validity period of the electronic certificate.

After step 103, the method further includes the step of: the second fund management server transmitting, to the second terminal, feedback information that the electronic voucher is received and the electronic voucher information is updated.

After all the above steps are completed, if the second fund management server receives the funds issued by the first money management server and equal to the value of the electronic certificate, the funds are transferred to the account set by the second terminal in step 102.

In a specific embodiment, the first money management server is the money management server of the first bank, and the second money management server is the money management server of the second bank. The first terminal is the terminal A, the first terminal user is the user A, the second terminal is the terminal B, and the second terminal user is the user B. The following is an example:

When user A needs to transfer 100,000 yuan to user B, user A does not know the account of user B. If the user's account information is queried by telephone or short message, the user A sends the account information directly to the first bank through terminal A. The application for the issuance of the certificate and the generation of the electronic voucher by the first bank, after the completion of the issuance of the certificate, the user A sends the first request information requesting the user B to receive the funds having the same value as the electronic voucher through the terminal A to the terminal B.

After the terminal B receives the first request information, the user B sets the second bank of the collection behavior through the terminal B, the collection account is the account B, and sends a second request including the receipt information and the collection account information to the second bank. information.

The second bank performs the verification according to the second request information, and after receiving the electronic voucher, changes the receiving bank of the electronic voucher to the second bank, and changes the account receiving the funds equal to the electronic voucher amount to the account B.

When the second bank receives the funds issued by the first bank, the funds are transferred to the account B of the user B.

In the above solution, the first terminal sends the first request information for receiving the electronic voucher to the second terminal; wherein the electronic voucher is applied to the first fund management server by the first terminal user with the account fund or the credit line as the deposit, and is first An electronic commitment payment voucher generated by the fund management server; the second terminal responds to the first request information, sets a second fund management server to receive the electronic voucher, and sets a fund account stored in the second fund management server to receive the credit amount equal to the electronic voucher amount Funding, generating second request information for receiving the electronic voucher according to the above setting, and sending the second request information to the second fund management server; the second fund management server receives the electronic voucher, and according to the second request information, the second fund management server, The information of the fund account is updated to the electronic voucher. In the above manner, when the first terminal needs to send the electronic credential to the second terminal, so that the second end user obtains the fund equal to the value of the electronic credential, the second end user can be arbitrarily set to the server that receives the electronic credential and Receiving the fund account of the fund avoids the cumbersome procedure of setting the account by the first terminal, and also ensures that the funds are not sent to the abnormal account by mistake, making the certificate more flexible, and facilitating the second terminal user to select the most convenient way to receive the account. Capital has increased the efficiency of capital interaction.

Referring to FIG. 3, a flowchart of a second embodiment of an electronic voucher setting method according to the present invention is applied to a second terminal, and the method includes:

Step 301: The second terminal receives the first request information of the received electronic credential sent by the first terminal.

The electronic voucher is an electronic commitment payment voucher that the first end user applies to the first fund management server and is generated by the first fund management server with the account fund or the credit line as the margin.

Specifically, the electronic voucher refers to an electronic credit commitment payment voucher that the first fund management server freezes funds according to the application of the first terminal user or uses the credit line and generates in the name of the first fund management server, and promises to settle according to the agreed conditions. . The basic business process of the electronic voucher is: the first fund management server freezes the required amount of funds according to the application of the first terminal user to generate an electronic voucher, and when the agreed settlement condition is reached, the first fund management server releases the funds for payment settlement. .

Step 302: The second terminal responds to the first request information, sets a second fund management server to receive the electronic voucher, and sets a fund account stored in the second fund management server to receive funds equal to the electronic voucher amount, and generates and receives according to the above setting. The second request information of the electronic voucher and the second request information is sent to the second fund management server.

The embodiment is based on the implementation of the second terminal in the first embodiment of the electronic voucher setting method, and the implementation manners of the second terminal are similar, and are not described herein again.

Referring to FIG. 4, a schematic structural diagram of an embodiment of an electronic voucher setting system of the present invention includes a first terminal 401, a second terminal 402, a first fund management server 403, and a second money management server 404.

The first terminal 401 is configured to send, to the second terminal 402, the first request information for receiving the electronic voucher; wherein the electronic voucher is applied by the first terminal 401 to the first fund management server 403 by using the account fund or the credit line thereof as a deposit. The electronic commitment payment voucher generated by the first money management server 403.

Specifically, the electronic voucher refers to an electronic credit that the first fund management server 403 freezes funds or uses a credit line according to the application of the first terminal 401 and is generated by the first fund management server 403, and promises to settle according to the agreed conditions. Commit to paying the voucher. The basic business process of the electronic voucher is: the first fund management server 403 freezes the required amount of funds according to the application of the user of the first terminal 401 to generate an electronic voucher, and when the agreed settlement condition is reached, the first fund management server 403 releases the funds. Handle payment settlement.

The second terminal 402 is configured to, in response to the first request information, set the second fund management server 404 to receive the electronic voucher, and set the fund account stored in the second fund management server 404 to receive funds equal to the electronic voucher amount, according to the above setting. The second request information for receiving the electronic voucher is generated, and the second request information is transmitted to the second money management server 404.

The second fund management server 404 is configured to receive the electronic voucher in response to the second request information, and update the information of the second fund management server 404 and the fund account to the electronic voucher according to the second request information.

The present embodiment is a system based on the first embodiment of the electronic voucher setting method described above, and the implementation manners thereof are similar, and are not described herein again.

5 is a schematic structural diagram of an embodiment of an electronic voucher setting device according to the present invention. The device is a second terminal. The device 500 includes a receiving module 501, a setting module 502, a generating module 504, and a sending module 503.

The receiving module 501 is configured to receive first request information that is sent by the first terminal to receive the electronic credential.

The electronic voucher is an electronic commitment payment voucher that the first end user applies to the first fund management server and is generated by the first fund management server with the account fund or the credit line as the margin.

Specifically, the electronic voucher refers to an electronic credit commitment payment voucher that the first fund management server freezes funds according to the application of the first terminal user or uses the credit line and generates in the name of the first fund management server, and promises to settle according to the agreed conditions. . The basic business process of the electronic voucher is: the first fund management server freezes the required amount of funds according to the application of the first terminal user to generate an electronic voucher, and when the agreed settlement condition is reached, the first fund management server releases the funds for payment settlement. .

The setting module 502 is configured to set the module to respond to the first request information, set the second fund management server to receive the electronic voucher, and set the fund account stored in the second fund management server to receive the fund equal to the electronic voucher amount.

The generating module 503 is configured to generate second request information for receiving the electronic credential according to the foregoing setting.

The sending module 504 is configured to send the second request information to the second fund management server.

Referring to FIG. 6, a flowchart of a first embodiment of a data interaction processing method according to the present invention includes:

Step 601: The first terminal sends the first request information for receiving the data credential to the second terminal.

The data credential is a quantification tool of the first terminal as a pre-established data association relationship between the data initiator and the first server.

Step 602: The second terminal responds to the first request information, sets a second server to receive the data voucher, and sets a data account stored in the second server to receive data corresponding to the data voucher, according to the foregoing setting to receive the data voucher. Second, the information is requested, and the second request information is sent to the second server.

Step 603: The second server receives the data credential in response to the second request information, and updates the information of the second server and the data account to the data credential according to the second request information.

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

For example, the user A can log in to the system through the password at the terminal 1 and have the management authority of the system. The password may be continuous characters, codes, graphics, and the like, and the password is unique. For example, when user A sends the password to user B, user A no longer owns the password. Specifically, when the user A needs to transfer the management authority to the user B, the password needs to be sent to the user B, but the information such as the account that the user B receives the password can be performed in the following manner:

The user A requests the password authentication voucher based on the password to the server 1 through the terminal 1, and sends the first request information of the password voucher to the terminal 2 of the user B. After receiving the first request information, the user B passes the terminal through the terminal 2. 2 The setting server 2 receives the password certificate, and sets the account 2 to receive the password, and generates second request information according to the setting content, and sends the second request information to the server 2.

The server 2 receives the second request information, receives the password voucher according to the second request, and updates the password voucher according to the second request information. The updated password credential includes at least the receiving end of the password credential as the server 2 and the receiving account of the password as the account 2.

After the server 1 sends the password to the server 2, the server sends the password to the account 2 of the user B according to the password credential, and the user B can log in to the system through the password, and has the management authority of the system, and at the same time, the user A loses the system. Administrative rights.

In the above solution, the first terminal sends the first request information for receiving the data credential to the second terminal; the second terminal responds to the first request information, sets the second server to receive the data credential, and sets the storage to the second server. The data account receives the data corresponding to the data voucher, sets the second request information to receive the data voucher according to the foregoing, and sends the second request information to the second server; the second server receives the data voucher, and according to the second request information, The information of the second server and the data account is updated to the data certificate. In the above manner, the present invention can enable the second terminal to arbitrarily set the server that receives the data certificate and the account that receives the data, and prevent the data receiving account from being an abnormal account, so that the form of the certificate is more diversified, which is beneficial to improving the data interaction between the two parties. Interaction efficiency.

Referring to FIG. 7, a flowchart of a second embodiment of a data interaction processing method of the present invention is applied to a second terminal, where the method includes:

Step 701: The second terminal receives the first request information of the received data credential sent by the first terminal.

The data credential is a data credential that the first end user applies to the first server and is generated by the first server by using the account fund or the credit line as the margin.

Step 702: The second terminal responds to the first request information, sets a second server to receive the data voucher, and sets a data account stored in the second server to receive data corresponding to the data voucher, according to the foregoing setting to receive the data voucher. Second, the information is requested, and the second request information is sent to the second server.

This embodiment is based on the implementation manner of the second terminal in the first embodiment of the foregoing data interaction processing method, and the implementation is similar, and details are not described herein again.

FIG. 8 is a schematic structural diagram of an embodiment of a data interaction processing system according to the present invention, the system includes a first terminal 801, a second terminal 802, a first server 803, and a second server 804;

The first terminal 801 is configured to send, to the second terminal 802, first request information for receiving a data credential.

The data credential is a quantification tool that the first terminal 801 serves as a pre-established data association relationship between the data initiator and the first server 803.

The second terminal 802 is configured to, in response to the first request information, set the second server 804 to receive the data voucher, and set the data account stored in the second server 804 to receive data corresponding to the data voucher, and receive the data voucher according to the foregoing setting. The second request information and send the second request information to the second server 804.

The second server 804 is configured to receive the data voucher in response to the second request information, and update the information of the second server 804 and the data account to the data voucher according to the second request information.

This embodiment is a system based on the first embodiment of the data interaction processing method described above, and its implementation is similar, and details are not described herein again.

9 is a schematic structural diagram of an embodiment of a data interaction processing apparatus according to the present invention. The apparatus is applied to a second terminal, and the apparatus includes a receiving module 901, a setting module 902 generating module 903, and a sending module 904.

The receiving module 901 is configured to receive first request information of the received data credential sent by the first terminal.

The data credential is a data credential that the first end user applies to the first server and is generated by the first server by using the account fund or the credit line as the margin.

The setting module 902 is configured to, in response to the first request information, set the second server to receive the data voucher, and set the data account stored in the second server to receive the data corresponding to the data voucher.

The generating module 903 is configured to receive the second request information of the data voucher according to the foregoing.

The sending module 904 is configured to send second request information to the second server.

The embodiment is based on the implementation of the second terminal device in the first embodiment of the foregoing data interaction processing method, and the implementation is similar, and details are not described herein again.

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 transformation made by the specification and the drawings of the present invention may be directly or indirectly applied to other related technical fields. The same is included in the scope of patent protection of the present invention.

Claims (10)

1. An electronic voucher setting method, wherein the method comprises:

   Transmitting, by the first terminal, the first request information for receiving the electronic voucher to the second terminal, where the electronic voucher is applied to the first fund management server by the first terminal user with the account fund or the credit line as the margin, and the first terminal An electronic commitment payment voucher generated by the money management server;

   Responding to the first request information, the second terminal sets a second fund management server to receive the electronic voucher, and sets a fund account stored in the second fund management server to receive an amount equal to the electronic voucher amount Funding, generating second request information for receiving the electronic voucher according to the above setting, and sending the second request information to the second fund management server;

   Receiving, by the second fund management server, the electronic voucher in response to the second request information, and updating information of the second fund management server and the fund account to the electronic voucher according to the second request information .
2. The method according to claim 1, wherein said second money management server receives said electronic information in response to said second request information, and said said second money management server according to said second request information, After the step of updating the information of the fund account to the electronic voucher, the method further includes:

   The second fund management server sends feedback information to the second terminal that receives the electronic voucher and updates the electronic voucher information.
3. The method of claim 1, wherein the first money management server is a money management server of the first bank, and the second money management server is a money management server of the second bank.
4. An electronic voucher setting method is applied to a second terminal, where the method includes:

   Receiving, by the first terminal, the first request information that is sent by the first terminal to receive the electronic voucher; wherein the electronic voucher is applied by the first terminal user to the first fund management server by using the account fund or the credit line thereof as a deposit An electronic commitment payment voucher generated by a fund management server;

   Responding to the first request information, the second terminal sets a second fund management server to receive the electronic voucher, and sets a fund account stored in the second fund management server to receive an amount equal to the electronic voucher amount The funds generate second request information for receiving the electronic voucher according to the above setting, and send the second request information to the second fund management server.
5. An electronic voucher setting system, wherein the system includes a first terminal, a second terminal, a first fund management server, and a second fund management server;

   The first terminal is configured to send, to the second terminal, first request information for receiving an electronic credential; wherein the electronic credential is applied by the first end user to the first fund management server by using the account fund or the credit line thereof as a deposit And an electronic commitment payment voucher generated by the first money management server;

   The second terminal is configured to, in response to the first request information, set a second fund management server to receive the electronic voucher, and set a fund account stored in the second fund management server to receive the electronic voucher quota Equivalent funds, generating second request information for receiving the electronic voucher according to the above setting, and sending the second request information to the second fund management server;

   The second fund management server is configured to receive the electronic voucher in response to the second request information, and update information of the second fund management server and the fund account to the information according to the second request information. Electronic voucher.
6. An electronic voucher setting device is applied to a second terminal, wherein the device comprises a receiving module, a setting module, a generating module and a sending module;

   The receiving module is configured to receive first request information that is sent by the first terminal to receive the electronic credential; wherein the electronic credential is applied by the first end user to the first fund management server by using the account fund or credit line thereof as a margin An electronic commitment payment voucher generated by the first money management server;

   The setting module is configured to, in response to the first request information, set a second fund management server to receive the electronic voucher, and set a fund account stored in the second fund management server to receive an equal amount of the electronic voucher Fund

   The generating module is configured to generate second request information for receiving the electronic credential according to the foregoing setting;

   The sending module is configured to send the second request information to the second fund management server.
7. A data interaction processing method, wherein the method comprises:

   The first terminal sends, to the second terminal, the first request information for receiving the data credential; wherein the data credential is a quantification tool that is used by the first terminal as a pre-established data association relationship between the data initiator and the first server;

   Responding to the first request information, the second terminal sets a second server to receive the data voucher, and sets a data account stored in the second server to receive data corresponding to the data voucher, according to the foregoing Set to receive the second request information of the data credential, and send the second request information to the second server;

   Receiving, by the second server, the data request voucher in response to the second request information, and updating information of the second server and the data account to the data voucher according to the second request information.
8. A data interaction processing method is applied to a second terminal, where the method includes:

   Receiving, by the second terminal, first request information of the received data credential sent by the first terminal, where the data credential is a quantization of a pre-established data association relationship between the data originator and the first server by the first terminal tool;

   Responding to the first request information, the second terminal sets a second server to receive the data voucher, and sets a data account stored in the second server to receive data corresponding to the data voucher, according to the foregoing Set to receive the second request information of the data credential, and send the second request information to the second server.
9. A data interaction processing system, wherein the system includes a first terminal, a second terminal, a first server, and a second server;

   The first terminal is configured to send, to the second terminal, first request information for receiving the data credential; wherein the data credential is the pre-established data association between the first terminal and the first server. Quantitative tools for relationships;

   The second terminal is configured to, in response to the first request information, set a second server to receive the data voucher, and set a data account stored in the second server to receive data corresponding to the data voucher, Receiving, according to the foregoing, receiving the second request information of the data credential, and sending the second request information to the second server;

   The second server is configured to receive the data credential in response to the second request information, and update information of the second server and the data account to the data credential according to the second request information.
10. A data interaction processing device is applied to a second terminal, where the device includes a receiving module, a setting module, a generating module, and a sending module;

    The receiving module is configured to receive first request information of the received data credential sent by the first terminal, where the data credential is the first terminal as a pre-established data association relationship between the data initiator and the first server. Quantitative tools;

    The setting module is configured to, in response to the first request information, set a second server to receive the data voucher, and set a data account stored in the second server to receive data corresponding to the data voucher;

    The generating module is configured to receive second request information of the data credential according to the foregoing setting;

    The sending module is configured to send the second request information to the second server.