WO2017011996A1 - Method, system, and apparatus for altering electronic certificates and processing data exchange - Google Patents

Abstract

A method, system, and apparatus for altering electronic certificates and processing data exchange. The method for altering an electronic certificate comprises: after receiving over a second money management server an electronic certificate sent by a first money management server, a second terminal sends to the second money management server a request message to change the recipient of the electronic certificate to the user of a third terminal (101); the second money management server receives the request message, and sends a request message to the third terminal (102); the third terminal receives the request message, and sends a response message to the second money management server (103); and the second money management server receives the response message, and on the basis of the response message, changes the recipient of the electronic certificate to the user of the third terminal (104). The present method enables the user of the second terminal to freely alter the payee to the user of another terminal, such that the manner of receiving payment is more flexible.

Description

Method, system and device for electronic voucher change 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 change 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]

A main object of the present invention is to provide a method, system and apparatus for electronic voucher change and data interaction processing, which enable a second terminal user to arbitrarily change a recipient of receiving target data through a second terminal to pass other users than himself. To receive the corresponding target data, so that the reception of the target data is more flexible.

A technical solution adopted by the present invention is to provide an electronic voucher change method, the method comprising: after receiving the electronic voucher sent by the first fund management server, the second terminal sends the electronic voucher sent by the first fund management server to the second fund management server The recipient of the change electronic voucher is the request information of the third terminal user; wherein the electronic voucher is applied by the first fund management server to the first fund management server by using the account fund or the credit line of the first terminal user as the deposit. The electronic commitment payment voucher; the second fund management server receives the request information, and transmits the request information to the third terminal; the third terminal receives the request information, and sends the response information to the second fund management server; and the second fund management server receives the response message And changing the recipient of the electronic voucher to the third end user according to the response information.

Another technical solution adopted by the present invention is to provide an electronic voucher change method, which is applied to a second fund management server, and the method includes: after receiving the electronic voucher sent by the first fund management server, the second fund management server receives The receiving party of the change electronic voucher sent by the second terminal is the request information of the third terminal user; 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 margin An electronic commitment payment certificate opened by the management server; sending the request information to the third terminal, so that the third terminal receives the request information, and sends the response information to the second fund management server; and receiving the response information, and the electronic certificate is received according to the response information The recipient is changed to the third end user.

Another technical solution adopted by the present invention is to provide an electronic voucher changing system, the system comprising a second terminal, a third terminal, and a second fund management server; and the second terminal is configured to receive the first in the second money management server After the electronic certificate sent by the fund management server, the second fund management server sends the request information of the third terminal user to the second fund management server; wherein the electronic certificate is the first terminal user with the account fund or the credit line as the margin The first fund management server applies for an electronic commitment payment voucher opened by the first fund management server; the second fund management server is configured to receive the request information, and send the request information to the third terminal; and the third terminal is configured to receive the request information, And sending the response information to the second fund management server; and the second money management server is configured to receive the response information, and change the recipient of the electronic certificate to the third terminal user according to the response information.

Another technical solution adopted by the present invention is to provide an electronic voucher changing device, which is applied to a second fund management server, the device includes a receiving module, a sending module, and a processing module; and the receiving module is configured to receive the first fund management server. After the sent electronic voucher, the receiving party that receives the electronic voucher sent by the second terminal is the request information of the third terminal user; wherein the electronic voucher is managed by the first terminal user with the account fund or credit line as the margin to the first fund The server applies for and is issued by the first fund management server; the sending module is configured to send the request information to the third terminal; the receiving module is configured to receive the response information sent by the third terminal; wherein the response information is the third terminal After receiving the request information, receiving the request information and transmitting the response information to the second fund management server; the processing module is configured to change the recipient of the electronic certificate to the third terminal user according to the response information.

Another technical solution adopted by the present invention is to provide a data interaction processing method. The method includes: after receiving the data credential sent by the first server, the second terminal sends the receiving party of the change data credential to the second server. The request information of the third 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 server receives the request information, and sends a request to the third terminal The third terminal receives the request information and transmits the response information to the second server; and the second server receives the response information, and changes the recipient of the data certificate to the third terminal according to the response information.

Another technical solution adopted by the present invention is to provide a data interaction processing method, which is applied to a second server. The method includes: after receiving the data credential sent by the first server, the second server receives the change data sent by the second terminal. The receiving party of the credential is the request information of the third terminal; wherein the data credential is a quantifying tool that the first terminal acts as a pre-established data association relationship between the data initiator and the first server; and the second server sends the request information to the third terminal. And the second server receives the response information sent by the third terminal, and changes the recipient of the data credential to the third terminal according to the response information.

Another technical solution adopted by the present invention is to provide a data interaction processing system, where the system includes a second terminal, a third terminal, and a second server; and the second terminal is configured to receive, by the second server, the data certificate sent by the first server. Then, the receiver that sends the change data certificate to the second server is the request information of the third 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 server is configured to receive the request information, and send the request information to the third terminal; the third terminal is configured to receive the request information, and send the response information to the second server; and the second server is configured to receive the response information, and according to the response information The recipient of the data certificate is changed to the third terminal.

Another technical solution adopted by the present invention is to provide a data interaction processing apparatus, which is applied to a second server, where the apparatus includes a receiving module, a sending module, and a processing module; and the receiving module is configured to receive the data credential sent by the first server. Receiving, by the second terminal, the receiver that sends the change data credential is the request information of the third terminal; 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; The sending module is configured to send the request information to the third terminal, and the receiving module is configured to change the receiving party of the data credential to the third terminal according to the response information.

Different from the prior art, in the second terminal, after receiving the electronic voucher sent by the first fund management server, the second terminal sends the recipient of the change electronic voucher to the second fund management server as the third terminal. a request information of the user; the second fund management server receives the request information, and transmits the request information to the third terminal; the third terminal receives the request information, and sends the response information to the second fund management server; and the second fund management server receives the response information And changing the recipient of the electronic voucher to the third end user according to the response information. In the above manner, the second terminal user can flexibly change the payee to other end users through the second terminal, thereby ensuring that the second terminal can be received by other terminal users in case of abnormal conditions or when the payee needs to be replaced. To the money. In addition, after receiving the data credential sent by the first server, the second terminal sends, to the second server, the request information that the receiver of the change data credential is the third terminal; 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 server receives the request information and transmits the request information to the third terminal; the third terminal receives the request information and transmits the response information to the second server; The second server receives the response information and changes the recipient of the data credential to the third terminal according to the response information. According to the above aspect, the second terminal user can arbitrarily change the recipient of the reception target data through the second terminal to receive the corresponding target data by the user other than himself, thereby making the reception of the target data more flexible.

 [Description of the Drawings]

1 is a flow chart of a first embodiment of a method for changing an electronic voucher according to the present invention;

2 is a flow chart of a second embodiment of the electronic voucher changing method of the present invention;

3 is a schematic structural diagram of an embodiment of an electronic voucher changing system of the present invention;

4 is a schematic structural diagram of a first embodiment of an electronic voucher changing device according to the present invention;

5 is another schematic structural diagram of a first embodiment of an electronic voucher changing device according to the present invention;

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 an 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 flowchart of a first embodiment of a method for changing an electronic voucher according to the present invention includes:

Step 101: After receiving the electronic credential sent by the first fund management server, the second terminal sends, to the second fund management server, the request information that the receiver that changes the electronic credential is the third terminal user.

The electronic voucher means that the first fund management server freezes the corresponding funds of the first terminal user account or the credit line according to the application of the first terminal user, and opens the account in the name of the first fund management server, and promises to proceed according to the agreed conditions. Settlement of electronic commitment payment vouchers. 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 open the electronic voucher, and when the agreed settlement condition is reached, the first fund management server releases the funds for payment. Settlement.

In this embodiment, before the step 101, the second fund management server has received the electronic certificate sent by the first fund management server; in other embodiments, if the second terminal sends the request message to the second fund management server, The second fund management server does not receive the electronic certificate sent by the first fund management server, and the second fund management server may send a message that the electronic certificate is not received to the second terminal, so that the second terminal can further send the server to the first fund management server. The receiver that sends the change electronic voucher is the request information of the third terminal user.

Step 102: The second fund management server receives the request information, and sends the request information to the third terminal.

Step 102 is specifically: after receiving the request information, the second fund management server verifies the status of the electronic voucher, and sends the request information to the third terminal after the verification is passed.

In this embodiment, the status of the electronic voucher is electronic voucher information, and the electronic voucher information includes basic information of the first terminal, the first fund management server, the second terminal, and the second fund management server, and the first user of the second terminal user. Account information, of course, the electronic voucher information also includes the amount information of the electronic voucher, the clearing information, and the time and validity period of the issuance; of course, the time and validity period of the issuance can also be directly replaced with the expiration time.

The status of the verification electronic voucher is specifically: the second fund management server determines whether the electronic voucher exceeds the validity period according to the opening time and the validity period of the electronic voucher, and determines whether the second fund management server receives the first according to the credit information and the clearing information of the electronic voucher. A fund issued by a fund management server equal to the value of an electronic voucher.

In the above verification process, if the electronic voucher is valid and the second fund management server does not receive the funds equal to the value of the electronic voucher issued by the first fund management server, the second fund management server transmits the request information to the third terminal.

In the above verification process, if the electronic voucher is invalid or the second fund management server has received the fund equal to the value of the electronic voucher issued by the first fund management server, the second fund management server sends a verification failure message to the second terminal, That is, the second terminal cannot change the recipient of the electronic certificate to be the third terminal user.

Step 103: The third terminal receives the request information, and sends the response information to the second fund management server.

The response information is specifically that the third terminal user agrees to the request information sent by the second terminal user, and sends the response information to the second fund management server by using the third terminal.

Step 104: The second fund management server receives the response information, and changes the recipient of the electronic certificate to the third terminal user according to the response information.

The change of the recipient of the electronic voucher to the third terminal user is specifically: changing the recipient item in the electronic voucher information to the third terminal user, that is, when the second fund management server receives the payment from the first fund management server When the electronic voucher has an equal value of funds, the funds are transferred to the corresponding account of the third end user.

The step 104 specifically includes: the second fund management server receives the response information, and verifies the status of the electronic certificate. After the verification is passed, the recipient of the electronic certificate is changed to the third terminal user according to the response information.

The process of verifying the electronic voucher is similar to the verification process before step 102 above, and details are not described herein again. When the verification fails, the second money management server sends the verification failure message to the second terminal and the third terminal.

After step 104, the method may further include:

Step 105: The second fund management server sends the electronic voucher change information to the second terminal and the third terminal.

After the step 105 is completed, the third terminal may send the account information of the third terminal user to the second fund management server. In other embodiments, the account information of the third terminal user may also be sent together when the third terminal sends the response information to the second fund management server, or the third terminal is already used when the second terminal user initiates the request message. The user's account information is sent together.

After the step 105 is completed, after the first fund management server receives the electronic voucher change information (ie, the information that the recipient of the electronic voucher changes successfully), the first fund management server needs to issue the value to the electronic voucher to the second fund management server. When the funds are received, the corresponding funds are issued to the second fund management server, and after receiving the funds, the second fund management server does not allocate the funds to the accounts of the second terminal users according to the prior agreement, but according to the changed electronic certificates. The information is transferred to the account of the third end user.

In a specific example, the first fund management server is the fund management server of the first bank, and the second fund management server is the fund management server of the second bank; the first terminal is the terminal A, and the first terminal user is the user A, The second terminal is the terminal B, the second terminal user is the user B, the third terminal is the terminal C, and the third terminal user is the user C.

The electronic voucher refers to the electronic credit commitment payment voucher that the first bank freezes the funds or uses the credit line according to the application of the user A and opens the bank in the name of the first bank, and promises to settle according to the agreed conditions. Basic business process of electronic voucher: The first bank freezes the required amount of funds according to the application of user A to open the electronic voucher. When the agreed settlement condition is reached, the first bank will release the funds for payment settlement.

When user A needs to transfer 100,000 funds to user B, first apply to the first bank through the terminal A to open an electronic voucher worth 100,000 yuan, and set the validity period of the bank B, the account number and the electronic certificate of the user B. Among them, the premise that user A opens an electronic voucher worth 100,000 yuan is that the value of the deposit, credit limit or other form of assets of the user A in the first bank is at least 100,000 yuan, after the electronic voucher is opened, the first The bank freezes the assets of user A worth 100,000 yuan in the first bank.

In the general process, the first bank will send the electronic voucher to the second bank, the second bank receives the electronic voucher and sends the electronic voucher information to the terminal B, and the user B responds to the information and requests to entrust the second bank to receive funds; A bank will release 100,000 yuan of funds and transfer it to the second bank. The second bank will transfer 100,000 yuan to the account of user B.

In this embodiment, the first bank sends the electronic voucher to the second bank, and after the second bank receives the electronic voucher and sends the electronic voucher information to the terminal B, the user B is for some reasons (for example, the account of the user B is Freeze or user B's bank card is lost, etc.) It is necessary to receive the electronic voucher through the account of user C and transfer 100,000 yuan to the account of user C through the second bank. Then, the user B sends the request information of the user who changes the electronic voucher to the second bank to the second bank, and the second bank responds to the request information, and determines that the electronic voucher does not exceed the validity period and the second bank has not received the first bank. The request information is transmitted to the terminal C when the money is equal to the value of the electronic voucher. After receiving the consent information, the user C sends a response message to the second bank. After determining that the electronic certificate does not exceed the validity period, the second bank changes the recipient of the electronic certificate to the third terminal user, and changes the information. It is sent to the first bank, the second bank, the terminal B, and the terminal C. After receiving the information, the user C sets its own collection account and sends it to the second bank through the terminal C. When the second bank receives 100,000 yuan equal to the value of the electronic certificate issued by the first bank, the 100,000 yuan is issued to the account of the user C.

In the above solution, after the second terminal receives the electronic voucher sent by the first fund management server, the second terminal sends, to the second fund management server, the request information of the third party user that the recipient of the electronic voucher is changed; The electronic voucher is an electronic commitment payment voucher that the first end user applies to the first fund management server and is opened by the first fund management server with the account fund or the credit line of the first terminal user; the second fund management server receives the request information, and The third terminal sends the request information; the third terminal receives the request information, and sends the response information to the second fund management server; and the second fund management server receives the response information, and changes the recipient of the electronic certificate to the third terminal according to the response information. user. In the above manner, the second terminal user can flexibly change the payee to other end users through the second terminal, thereby ensuring that the second terminal can be received by other terminal users in case of abnormal conditions or when the payee needs to be replaced. In addition, the second terminal user can also transfer the electronic voucher to other users through the method, so that the electronic voucher change form is more diversified.

Referring to FIG. 2, a flowchart of a second embodiment of an electronic voucher change method of the present invention is applied to a second fund management server, and the method includes:

Step 201: After receiving the electronic credential sent by the first fund management server, the second fund management server receives the request information of the third terminal user that the receiver of the electronic voucher sent by the second terminal sends.

The electronic voucher means that the first fund management server freezes the corresponding funds of the first terminal user account or the credit line according to the application of the first terminal user, and opens the account in the name of the first fund management server, and promises to proceed according to the agreed conditions. Settlement of electronic credit commitment payment vouchers. 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 open the electronic voucher, and when the agreed settlement condition is reached, the first fund management server releases the funds for payment. Settlement.

Step 202: Send request information to the third terminal, so that the third terminal receives the request information, and sends the response information to the second fund management server.

Before step 202, the method further includes the step of: verifying the status of the electronic voucher, and sending the request information to the third terminal after the verification is passed.

Step 203: Receive response information, and change the recipient of the electronic certificate to the third terminal user according to the response information.

The change of the recipient of the electronic voucher to the third terminal user is specifically: changing the recipient item in the electronic voucher information to the third terminal user, that is, when the second fund management server receives the payment from the first fund management server When the electronic voucher has an equal value of funds, the funds are transferred to the corresponding account of the third end user.

This embodiment is based on the implementation of the second fund management server in the first embodiment described above, and details are not described herein again.

Referring to FIG. 3, a schematic structural diagram of an embodiment of an electronic voucher change system of the present invention includes a second terminal 302, a third terminal 303, and a second fund management server 305.

The second terminal 302 is configured to send, after the second fund management server 305 receives the electronic voucher sent by the first fund management server 304, the request information of the user who changes the electronic voucher to the third terminal 303 to the second fund management server 305. in;

The electronic voucher refers to an electronic credit commitment that the first fund management server freezes funds according to the application of the first terminal 301 user or uses the credit line and opens in the name of the first fund management server 304, and promises to settle according to the agreed conditions. Payment voucher. The basic business process of the electronic voucher is: the first fund management server 304 freezes the required amount of funds according to the application of the first terminal user to open the electronic voucher, and when the agreed settlement condition is reached, the first fund management server 304 releases the funds. Handle payment settlement.

The second money management server 305 is configured to receive the request information and transmit the request information to the third terminal 303.

The third terminal 303 is configured to receive the request information and transmit the response information to the second money management server 305.

The second money management server 305 is configured to receive the response information, and change the recipient of the electronic certificate to the third terminal user according to the response information.

The change of the recipient of the electronic voucher to the third terminal user is specifically: changing the recipient item in the electronic voucher information to the third end user, that is, when the second fund management server 305 receives the first fund management server 304. When the funds are equal in value to the electronic voucher, the funds are transferred to the corresponding account of the third terminal 303 user.

The second fund management server 305 is further configured to verify the status of the electronic voucher before transmitting the request information to the third terminal 303 or/and after receiving the response information sent by the third terminal 303, and perform the subsequent steps when the verification is passed. . The status of the verification electronic voucher is specifically: the second fund management server 305 determines whether the electronic voucher exceeds the validity period according to the issue time and the validity period of the electronic voucher, and determines the second fund management server 305 according to the credit information and the clearing information of the electronic voucher. Whether funds equal to the value of the electronic voucher issued by the first money management server 304 are received.

This embodiment is a system based on the first embodiment of the electronic voucher change method described above, and details are not described herein again.

4 is a schematic structural diagram of a first embodiment of an electronic voucher changing device according to the present invention. The device 400 is a second fund management server. The device 400 includes a receiving module 401, a sending module 402, and a processing module 403.

The receiving module 401 is configured to receive, after receiving the electronic credential sent by the first fund management server, the request information of the third electronic terminal that is sent by the second terminal to change the electronic credential.

The electronic voucher means that the first fund management server freezes the corresponding funds of the first terminal user account or the credit line according to the application of the first terminal user, and opens the account in the name of the first fund management server, and promises to proceed according to the agreed conditions. Settlement of electronic credit commitment payment vouchers. 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 open the electronic voucher, and when the agreed settlement condition is reached, the first fund management server releases the funds for payment. Settlement.

The sending module 402 is configured to send the request information to the third terminal.

The receiving module 401 is further configured to receive response information sent by the third terminal. The response information is a response message that the third terminal receives the request information, receives the request information, and sends the request information to the second fund management server.

The processing module 403 is configured to change the recipient of the electronic credential to the third end user according to the response information.

As shown in FIG. 5, in another embodiment, the apparatus 500 includes a receiving module 501, a verification module 502, a sending module 503, and a processing module 504.

The receiving module 501 is configured to: after receiving the electronic credential sent by the first fund management server, receive the request information of the third terminal user that is sent by the second terminal to change the electronic credential.

The electronic voucher means that the first fund management server freezes the corresponding funds of the first terminal user account or the credit line according to the application of the first terminal user, and opens the account in the name of the first fund management server, and promises to proceed according to the agreed conditions. Settlement of electronic credit commitment payment vouchers. 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 open the electronic voucher, and when the agreed settlement condition is reached, the first fund management server releases the funds for payment. Settlement.

The verification module 502 is configured to verify the status of the electronic voucher. After the verification is passed, the sending module 503 is configured to send the request information to the third terminal.

The receiving module 501 is further configured to receive response information sent by the third terminal. The response information is a response message that the third terminal receives the request information, receives the request information, and sends the request information to the second fund management server.

The verification module 502 is further configured to verify the status of the electronic credential after receiving the response information. After the verification is passed, the processing module 504 is configured to change the recipient of the electronic credential to the third end user according to the response information.

The change process of the processing module 504 is specifically: changing the recipient item in the electronic credential information to the third end user, that is, when the second fund management server receives the value issued by the first fund management server and equal to the value of the electronic voucher When funds are available, the funds are transferred to the corresponding account of the third end user.

The verification process of the verification module 502 is specifically: the second fund management server 405 determines whether the electronic certificate exceeds the validity period according to the opening time and the validity period of the electronic certificate, and determines the second fund management server according to the quota information and the clearing information of the electronic certificate. 405 whether the funds issued by the first money management server 404 equal to the value of the electronic voucher are received.

The present embodiment is based on a device of the second fund management server in the first embodiment described above, and details are not described herein again.

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

Step 601: After receiving the data credential sent by the first server, the second terminal sends, to the second server, the request information that the receiver of the change data credential is the third 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 server receives the request information, and sends the request information to the third terminal.

Step 603: The third terminal receives the request information, and sends the response information to the second server.

Step 604: The second server receives the response information, and changes the receiver of the data certificate to the third terminal according to the response information.

The following takes the data interaction as an example to illustrate this embodiment:

First, the user A can have the management authority to the terminal 1 by the password, for example, the password can be used to log in to the management system through the terminal 1.

When the user A needs to let the user B manage the system, the user A makes an application to the server 1 based on the password, and the server 1 establishes the password certificate, and sends the password certificate to the server 2.

In general, the server 2 will send the password to the terminal 2 after receiving the password sent by the server 1 according to the password credential, and the user B can log in to the management system on the terminal 2 through the password.

In this example, because the terminal 2 is abnormal or the user B needs to transfer the management authority to the user C, the user B sends a request message to the server 2 through the terminal 2 to change the receiving end of the password to the terminal 3, and the server 2 receives After the request information, the terminal 3 transmits the request information, and the terminal 3 receives the request information and sends a response message to the server 2 after the user C confirms. After receiving the response information, the server 2 changes the receiving end of the password to the terminal. 3.

Therefore, when the server 1 sends a password to the server 2, the server 2 does not send the password to the client 2, but sends it to the client 3, and the user C of the client 3 obtains the system management authority.

In the above solution, after receiving the data credential sent by the first server, the second terminal sends, to the second server, the request information that the receiver of the change data credential is the third terminal; wherein the data credential is the first terminal a quantification tool for pre-established data association relationship between the data initiator and the first server; the second server receives the request information and transmits the request information to the third terminal; the third terminal receives the request information, and sends the response information to the second server And the second server receives the response information and changes the recipient of the data credential to the third terminal according to the response information. According to the above aspect, the second terminal user can arbitrarily change the recipient of the reception target data through the second terminal to receive the corresponding target data by the user other than himself, thereby making the reception of the target data more flexible.

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

Step 701: After receiving the data credential sent by the first server, the second server receives the request information of the third terminal by the receiver of the change data credential sent by 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 702: The second server sends the request information to the third terminal.

Step 703: The second server receives the response information sent by the third terminal, and changes the receiver of the data credential to the third terminal according to the response information.

Referring to FIG. 8, a schematic structural diagram of an embodiment of a data interaction processing system of the present invention includes a second terminal 802, a third terminal 803, and a second server 805.

The second terminal 802 is configured to send the request information of the third terminal 803 to the second server 804 after the second server 805 receives the data credential sent by the first server 804.

The data credential is a quantification tool of the first terminal 801 as a pre-established data association relationship between the data initiator and the first server 804.

The second server 805 is configured to receive the request information and transmit the request information to the third terminal 803.

The third terminal 803 is configured to receive the request information and send the response information to the second server 802.

The second server 802 is configured to receive the response information, and change the recipient of the data credential to the third terminal 803 according to the response information.

Referring to FIG. 9, a schematic structural diagram of an embodiment of a data interaction processing apparatus according to the present invention includes a receiving module 901, a sending module 902, and a processing module 903.

The receiving module 901 is configured to: after receiving the data credential sent by the first server, receive the request information that the second terminal sends the change data credential to the third 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.

The sending module 902 is configured to send the request information to the third terminal.

The receiving module 901 is further configured to receive response information.

The processing module 903 is configured to change the receiver of the data credential to the third terminal according to the response information.

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 changing method, wherein the method comprises:

   After receiving the electronic credential sent by the first fund management server, the second terminal sends, to the second fund management server, the request information that the receiver of the electronic credential is the third end user, where The electronic voucher is an electronic commitment payment voucher that is applied by the first terminal user to the first fund management server and opened by the first fund management server by using the account fund or the credit line of the first terminal user;

   Receiving, by the second fund management server, the request information, and sending the request information to the third terminal;

   The third terminal receives the request information and sends response information to the second money management server;

   The second fund management server receives the response information, and changes the recipient of the electronic certificate to the third terminal user according to the response information.
2. The method of claim 1, wherein the step of the second fund management server receiving the request information and transmitting the request information to the third terminal comprises:

   After receiving the request information, the second fund management server verifies the state of the electronic voucher, and sends the request information to the third terminal after the verification is passed.
3. The method according to claim 1, wherein said second money management server receives said response information, and changes said recipient of said electronic voucher to said third terminal user based on said response information, specifically include:

   The second fund management server receives the response information, and verifies the status of the electronic voucher, and when the verification is passed, changes the recipient of the electronic voucher to the third terminal user according to the response information.
4. An electronic voucher change method is applied to a second fund management server, wherein the method includes:

   After receiving the electronic credential sent by the first fund management server, the second fund management server receives the request information of the third terminal user that is sent by the second terminal to change the electronic credential; wherein the electronic credential is An electronic commitment payment voucher that an end user applies to the first fund management server and is opened by the first fund management server with his account funds or a credit line as a margin;

   Transmitting the request information to the third terminal, so that the third terminal receives the request information and sends the response information to the second money management server;

   Receiving the response information, and changing the recipient of the electronic credential to the third terminal user according to the response information.
5. An electronic voucher change system, wherein the system includes a second terminal, a third terminal, and a second fund management server;

   The second terminal is configured to send, after the second fund management server receives the electronic voucher sent by the first fund management server, the recipient that changes the electronic voucher to the second fund management server as the third The end user's request information; wherein the electronic voucher is an electronic commitment payment that the first terminal user applies to the first fund management server and is opened by the first money management server with his account fund or credit line as a security deposit. certificate;

   The second fund management server is configured to receive the request information, and send the request information to a third terminal;

   The third terminal is configured to receive the request information, and send response information to the second fund management server;

   The second fund management server is further configured to receive the response information, and change the recipient of the electronic certificate to the third terminal user according to the response information.
6. An electronic voucher changing device is applied to a second fund management server, wherein the device comprises a receiving module, a sending module and a processing module;

   The receiving module is configured to: after receiving the electronic credential sent by the first fund management server, receive the request information of the third end user that is sent by the second terminal to change the electronic credential; wherein the electronic credential is An electronic commitment payment voucher that the first end user applies to the first fund management server and is opened by the first fund management server with the account fund or credit line of the account;

   The sending module is configured to send the request information to the third terminal;

   The receiving module is configured to receive response information sent by the third terminal, where the response information is that after receiving the request information, the third terminal receives the request information, and sends the request information to the second fund. The response information sent by the management server;

   The processing module is configured to change a recipient of the electronic credential to the third end user according to the response information.
7. A data interaction processing method, wherein the method comprises:

   After receiving the data credential sent by the first server, the second terminal sends, to the second server, request information that the receiver that changes the data credential is the third terminal, where the data credential is the first a quantification tool of the terminal as a pre-established data association relationship between the data initiator and the first server;

   The second server receives the request information, and sends the request information to the third terminal;

   The third terminal receives the request information and sends response information to the second server;

   The second server receives the response information, and changes a recipient of the data credential to the third terminal according to the response information.
8. A data interaction processing method is applied to a second server, where the method includes:

   After receiving the data credential sent by the first server, the second server receives the request information of the third terminal sent by the second terminal to change the data credential; wherein the data credential is the first terminal a quantification tool for pre-established data association relationship between the data initiator and the first server;

   Sending, by the second server, the request information to the third terminal;

   The second server receives the response information sent by the third terminal, and changes the receiver of the data credential to the third terminal according to the response information.
9. A data interaction processing system, wherein the system includes a second terminal, a third terminal, and a second server;

   The second terminal is configured to send, after the second server receives the data credential sent by the first server, request information that the receiver that changes the data credential is the third terminal, where the data credential is The first terminal serves as a quantification tool for pre-established data association relationship between the data initiator and the first server;

   The second server is configured to receive the request information, and send the request information to the third terminal;

   The third terminal is configured to receive the request information, and send response information to the second server;

   The second server is configured to receive the response information, and change a receiver of the data credential to the third terminal according to the response information.
10. A data interaction processing device is applied to a second server, where the device includes a receiving module, a sending module, and a processing module;

    The receiving module is configured to: after receiving the data credential sent by the first server, receive, by the second terminal, request information that the receiver that changes the data credential is the third terminal; where the data credential is the first terminal a quantification tool for pre-established data association relationship between the data initiator and the first server;

    The sending module is configured to send the request information to the third terminal;

    The receiving module is further configured to receive the response information;

    The processing module is configured to change a receiver of the data credential to the third terminal according to the response information.