WO2017011997A1 - 一种电子凭证变更以及数据交互处理的方法、系统及装置 - Google Patents

一种电子凭证变更以及数据交互处理的方法、系统及装置 Download PDF

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Publication number
WO2017011997A1
WO2017011997A1 PCT/CN2015/084564 CN2015084564W WO2017011997A1 WO 2017011997 A1 WO2017011997 A1 WO 2017011997A1 CN 2015084564 W CN2015084564 W CN 2015084564W WO 2017011997 A1 WO2017011997 A1 WO 2017011997A1
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WO
WIPO (PCT)
Prior art keywords
terminal
account
management server
fund management
request information
Prior art date
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PCT/CN2015/084564
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English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to PCT/CN2015/084564 priority Critical patent/WO2017011997A1/zh
Priority to CA2993033A priority patent/CA2993033A1/en
Publication of WO2017011997A1 publication Critical patent/WO2017011997A1/zh

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Classifications

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

Definitions

  • the present invention relates to the field of electronic commerce, and in particular, to a method, system and device for electronic voucher change and data interaction processing.
  • 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.
  • the current online electronic payment (network payment) methods mainly include bank online banking payment (including credit card payment) and third party payment.
  • bank online banking payment including credit card payment
  • third party payment third party payment.
  • the credit bottleneck in the settlement process of online electronic payment (network payment) is always an obstacle in the development of e-commerce.
  • the form of third-party payment company guarantee is less risky.
  • 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.
  • 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 an account that receives target data through a second terminal, so that data is received during data interaction.
  • the method is more flexible and improves the efficiency of data interaction.
  • 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 request information of the account of the second terminal user is changed; wherein the electronic voucher is an electronic commitment payment voucher that the first terminal user applies to the first fund management server and is opened by the first fund management server by using the account fund or the credit line thereof as a security deposit.
  • the account of the second terminal user is configured to receive funds equal to the electronic voucher commitment payment amount; the second fund management server receives the request information, and changes the account information of the second terminal user according to the request 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 request information for changing the account of the second terminal user sent by 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 credit line as a deposit and opened by the first fund management server
  • the electronic commitment payment voucher, the account of the second end user is used to receive funds equal to the electronic voucher commitment payment amount; the second fund management server receives the request information, and changes the account information of the second terminal user according to the request information.
  • Another technical solution adopted by the present invention is to provide an electronic voucher change system, the system includes a second terminal and a second fund management server; and the second terminal is configured to receive, by the second fund management server, the first fund management server to send After the electronic voucher, the request information for changing the account of the second terminal user is sent to the second fund management server; 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
  • the first fund management server opens an electronic commitment payment voucher, the second terminal user's account is used to receive funds equal to the electronic voucher commitment payment amount; the second fund management server is configured to receive the request information, and change the second according to the request information Account information of the end user.
  • Another technical solution adopted by the present invention is to provide an electronic voucher change processing device, which is applied to a second fund management server, the device includes a receiving module and a processing module, and the receiving module is configured to receive the first fund in the second fund management server.
  • the device After receiving the electronic voucher sent by the server, receiving the request information of the second terminal user that changes the account of the second terminal user, where the electronic voucher applies to the first fund management server for the first terminal user with the account fund or the credit line as the security deposit.
  • the electronic commitment payment voucher opened by the first fund management server the account of the second terminal user is used to receive funds equal to the electronic voucher commitment payment amount; and the processing module is configured to change the account information of the second terminal user according to the request 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 account of the second terminal to the second server.
  • the 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 server receives the request information, and changes the account information of the second terminal according to the request 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 sent by the second terminal.
  • Another technical solution adopted by the present invention is to provide a data interaction processing data voucher system, the system includes a second terminal and a second server; and the second terminal is configured to: after the second server receives the data certificate sent by the first server, Sending, to the second server, request information for changing an account of the second terminal; 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; and the second server is configured to receive the request Information, and change the account information of the second terminal according to the request information.
  • 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 and a processing module; and the receiving module is configured to: after receiving the data credential sent by the first server, the second server Receiving, by the second terminal, the request information for changing the account of the second 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 processing module is configured to The request information changes the account information of the second terminal.
  • the second terminal after receiving the electronic credential sent by the first fund management server, the second terminal sends the request information for changing the account of the second terminal user to the second fund management server.
  • the account of the second end user is used to receive the unfrozen funds equal to the electronic voucher amount, and 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 managed by the first fund.
  • the data certificate opened by the server; the second fund management server receives the request information, and changes the account information of the second terminal user according to the request information.
  • the present invention enables the second terminal user to arbitrarily change his/her own account, and ensures that when the second terminal user is abnormal in the preset account, the other account is used for collecting money, so that the payment method is more flexible.
  • the second terminal after receiving the data credential sent by the first server, the second terminal sends, to the second server, request information for changing the account of the second terminal, where the data credential is the first terminal as the data initiator and the first a quantification tool for pre-established data association relationship between servers; the second server receives the request information, and changes the account information of the second terminal according to the request information.
  • the second terminal of the data receiving end can arbitrarily replace the account that receives the data, thereby ensuring an abnormal situation in an account, and receiving data through other accounts, thereby improving the efficiency of data interaction.
  • FIG. 1 is a flow chart of a first embodiment of a method for changing an electronic voucher according to the present invention
  • FIG. 2 is a flow chart of a second embodiment of the electronic voucher changing method of the present invention.
  • FIG. 3 is a schematic structural diagram of an embodiment of an electronic voucher changing system of the present invention.
  • FIG. 4 is a schematic structural diagram of a first embodiment of an electronic voucher changing device according to the present invention.
  • FIG. 5 is another schematic structural diagram of a first embodiment of an electronic voucher changing device according to the present invention.
  • FIG. 6 is a flowchart of a first embodiment of a data interaction processing method of the present invention.
  • FIG. 7 is a flowchart of a second embodiment of a data interaction processing method of the present invention.
  • FIG. 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.
  • a flowchart of a first embodiment of an electronic voucher change method of the present invention includes:
  • Step 101 After receiving the electronic credential sent by the first fund management server, the second terminal sends the request information for changing the account of the second terminal user to the second fund management server.
  • 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.
  • 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 voucher sent by the first fund management server, and the second fund management server can feed back the message that the electronic voucher has not been received to the second terminal, so that the second terminal can re-send to the first fund management server.
  • the receiving user who 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 changes the account information of the second terminal user according to the request information.
  • the step 102 is specifically as follows: the second fund management server receives the request information, and verifies the status of the electronic certificate. After the verification is passed, the account information of the second terminal user is changed according to the request information.
  • the status of the electronic voucher is electronic voucher information
  • 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 request information may include second account information different from the first account information set by the second terminal user, for example, the account number of the second account, the account owner Name, etc.
  • 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.
  • the second fund management server changes the electronic voucher information to enable the second end user
  • the second account becomes the collection account of the funds equal to the value of the electronic voucher.
  • the change of the electronic voucher information is specifically: changing the account of the receiving user in the electronic voucher information from the first account to the second account, that is, when the second fund management server receives the value of the electronic voucher issued by the first fund management server When the funds are equal, the funds are transferred to the second account of the second end user instead of the preset first account.
  • the second fund management server sends a verification failure message to the second terminal, That is, the account in which the second terminal cannot change the electronic voucher is the second account.
  • the verification process may only verify whether the electronic voucher exceeds the validity period without verifying whether the second money management server receives funds equal to the value of the electronic voucher, because no matter how the second end user changes the account, The payment must be made through the second money management server.
  • the method may further include:
  • Step 103 The second fund management server sends the electronic voucher change information to the second terminal.
  • the second terminal may not include the second account information when sending the request information to the second fund management server, but after the step 103 is completed, the second terminal sends the second fund management server to the second fund management server.
  • the second account information of the second terminal user may not include the second account information when sending the request information to the second fund management server, but after the step 103 is completed, the second terminal sends the second fund management server to the second fund management server. The second account information of the second terminal user.
  • the first fund management server needs to issue funds equal to the value of the electronic voucher to the second fund management server
  • the corresponding funds are issued to the second fund management server
  • the second fund management server receives the funds.
  • the funds are not allocated to the first account of the second terminal user according to the prior appointment, but the funds are allocated to the second account of the third terminal user according to the changed electronic voucher information.
  • the first fund management server is the fund management server of the first bank
  • the second fund management server is the fund 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
  • the second terminal user is the user B.
  • 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.
  • 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.
  • 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 confirms the information and requests to entrust the second bank to receive the fund;
  • a bank will unfreeze 100,000 yuan and transfer it to the second bank.
  • the second bank will transfer 100,000 yuan to the first account of user B.
  • the first bank sends the electronic voucher to the second bank
  • 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 user B's first The account is frozen or the first account has a security risk, etc.)
  • the second account is required to receive the electronic voucher and transfer 100,000 yuan to the second account of user B through the second bank.
  • the user B sends the receiving account for changing the electronic voucher to the second bank through the terminal B as the second account requesting information of the user B; the second bank responds to the request information, and determines that the electronic voucher does not exceed the expiration date and the second bank has not received the first account.
  • the electronic voucher information is changed, and the receiving account of the electronic voucher is changed to the second bank of the user B.
  • the second bank sends the change information to the terminal B.
  • the user B sets its own account, that is, the account number of the second account, the name of the card holder, and the like, and sends the information to the second bank through the terminal B.
  • 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 second account of the user B.
  • the second terminal after the second terminal receives the electronic voucher sent by the first fund management server, the second terminal sends the request information for changing the account of the second terminal user to the second fund management server; wherein, the second terminal The user's account is used to receive the defrosted funds equal to the electronic voucher amount, and the electronic voucher is the data certificate that the first terminal 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 as the margin.
  • the second fund management server receives the request information and changes the account information of the second terminal user according to the request information.
  • the present invention enables the second terminal user to arbitrarily change his/her own account, and ensures that when the second terminal user is abnormal in the preset account, the other account is used for collecting money, so that the payment method is more flexible.
  • 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 second terminal user that changes the account of the second 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 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 The second fund management server receives the request information, and changes the account information of the second terminal user according to the request information.
  • the second fund management server After receiving the request information, the second fund management server further includes the steps of: verifying the status of the electronic certificate, and, after the verification is passed, changing the account information of the second terminal user according to the request information.
  • the receiving user information of the electronic voucher is specifically changed: the receiving user item in the electronic voucher information is changed to the third terminal user, that is, when the second fund management server receives the value of the electronic voucher issued by the first fund management server.
  • the funds are transferred, the funds are transferred to the corresponding accounts of the third terminal users.
  • 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.
  • a schematic structural diagram of an embodiment of an electronic voucher change system of the present invention includes a second terminal 302 and a second fund management server 304.
  • the second terminal 302 is configured to send, after the second fund management server 304 receives the electronic certificate sent by the first fund management server 303, the request information for changing the account of the user of the second terminal 302 to the second fund management server 304.
  • the electronic voucher refers to an electronic credit that the first fund management server 303 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 303, 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 303 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 303 releases the funds. Handle payment settlement.
  • the second money management server 304 is configured to receive the request information, and change the account information of the user of the second terminal 302 according to the request information.
  • the second money management server 304 is further configured to verify the status of the electronic certificate after receiving the request information, and when the verification is passed, change the account information of the second terminal user according to the request information.
  • the status of the verification electronic voucher is specifically: the second fund management server 304 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 304 according to the credit information and the clearing information of the electronic voucher. Whether or not the funds issued by the first money management server 303 equal to the value of the electronic voucher are received.
  • the receiving the user information of the electronic voucher is specifically: changing the receiving user account in the electronic voucher information to a second account different from the preset first account, that is, when the second fund management server 304 receives the first fund management server When the money issued by the certificate 303 is equal to the value of the electronic voucher, the funds are transferred to the second account of the user of the second terminal 302.
  • the second fund management server 304 is further configured to send the electronic voucher change information to the second terminal after changing the electronic voucher information.
  • 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.
  • the device 400 is a second fund management server, and the device 400 includes a receiving module 401 and a processing module 402.
  • the receiving module 401 is configured to receive, after the second fund management server receives the electronic voucher sent by the first fund management server, request information for changing the account of the second terminal user sent by the second terminal.
  • the processing module 402 is configured to change the account information of the second terminal user according to the request information.
  • 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 apparatus 500 includes a receiving module 501, a verification module 502, a processing module 503, and a sending module 504.
  • the receiving module 501 is configured to receive, after the second fund management server receives the electronic voucher sent by the first fund management server, the request information of the account of the second terminal user sent by the second terminal.
  • the verification module 502 is configured to verify the status of the electronic voucher after the receiving module receives the request information.
  • the processing module 503 is configured to change the account information of the second terminal user according to the request information.
  • the sending module 504 is configured to send the electronic credential change information to the second terminal after the processing module changes the account information of the second terminal user according to the request information.
  • 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 process of the verification module 502 is specifically: the second fund management server determines whether the electronic voucher exceeds the validity period according to the time and validity period of the electronic voucher, and determines whether the second fund management server determines whether the second fund management server is based on the credit information and the clearing information of the electronic voucher. Receiving funds equal to the value of the electronic voucher issued by the first fund management server.
  • the process of changing the processing module 503 is specifically: changing the receiving user account in the electronic voucher information to a second account different from the preset first account, that is, when the second fund management server receives the first fund management server.
  • the funds are equal in value to the electronic voucher, the funds are transferred to the second account of the second end user.
  • 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.
  • FIG. 6 is a flowchart of a first embodiment of a data interaction processing method according to the present invention, where the method includes:
  • Step 601 After receiving the data credential sent by the first server, the second terminal sends the request information for changing the account of the second terminal to the second server.
  • 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 changes the account information of the second terminal according to the request information.
  • 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.
  • the user A 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.
  • the server 2 will send the password to the account 1 of the user B in the terminal 2 after receiving the password sent by the server 1 according to the password credential, and the user B can log in and manage the terminal 2 through the password. system.
  • the password may not be received normally, and the user B sends a request message to the server 2 through the terminal 2 to change the receiving account of the password certificate to the account 2, the server 2 After receiving the request information, the receiving account for changing the password according to the request information is the account 2.
  • the server 1 when the server 1 needs to send a password to the server 2, the server 2 will send the password to the account 2 of the user B in the terminal 2, and the user B obtains the management authority of the management system.
  • the second terminal after receiving the data credential sent by the first server, the second terminal sends, to the second server, request information for changing the account of the second terminal, where the data credential is the first terminal as the data initiator and a quantification tool for pre-established data association relationship between the first servers; the second server receives the request information, and changes the account information of the second terminal according to the request information.
  • the second terminal of the data receiving end can arbitrarily replace the account that receives the data, thereby ensuring an abnormal situation in an account, and receiving data through other accounts, thereby improving the efficiency of data interaction.
  • 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 account of the second terminal 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 receives the request information, and changes the account information of the second terminal according to the request information.
  • a schematic structural diagram of an embodiment of a data interaction processing system of the present invention includes a second terminal 802 and a second server 804.
  • the second terminal 801 is configured to send, after the second server 805 receives the data credential sent by the first server 804, request information for changing the account of the second terminal 802 to the second server 805.
  • 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 change the account information of the second terminal 802 according to the request information.
  • FIG. 9 a schematic structural diagram of a first embodiment of a data interaction processing apparatus according to the present invention is applied to a second server, where the apparatus includes a receiving module 901 and a processing module 902.
  • the receiving module 901 is configured to receive, after the second server receives the data credential sent by the first server, request information for changing the account of the second terminal 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.
  • the processing module 902 is configured to change the account information of the second terminal according to the request information.

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Abstract

一种电子凭证变更以及数据交互处理的方法、系统及装置。该电子凭证变更方法包括：第二终端在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，向第二资金管理服务器发送变更第二终端用户的账户的请求信息（101）；其中，第二终端用户的账户用于接收解冻的与电子凭证额度相等资金，电子凭证为第一终端用户以其账户资金或授信额度作为保证金向第一资金管理服务器申请并由第一资金管理服务器开立的电子承诺支付凭证；第二资金管理服务器接收请求信息，并根据请求信息变更第二终端用户的账户信息（102）。通过上述方式，本方法能够使第二终端用户任意变更自己的账户，使收款方式更加灵活。

Description

一种电子凭证变更以及数据交互处理的方法、系统及装置
【技术领域】
本发明涉及电子商务领域，特别是涉及一种电子凭证变更以及数据交互处理的方法、系统及装置。
【背景技术】
电子商务已经越来越广泛地应用于各种商业贸易活动中，所谓电子商务是指在商业贸易活动中，在因特网开放的网络环境下，基于浏览器及服务器应用方式，实现消费者的网上购物、商户之间的网上交易和在线电子支付以及各种商务活动、交易活动、金融活动和相关的综合服务活动的一种商业运营模式。
目前的在线电子支付（网络支付）方式主要包括银行网银支付（含信用卡支付）和第三方支付两种。但在线电子支付（网络支付）的结算过程中的信用瓶颈始终是电子商务发展进程中的障碍性问题。
目前的在线电子支付方式中，以第三方支付公司担保的形式是风险较小的。但是，采用第三方支付公司担保的形式，当付款方完成支付操作后，在收款方收到资金前，收款方将无法对收款银行进行变更，无法给因异常情况需要变更收款银行提供处理的方法。
另外，随着互联网技术尤其是移动互联网技术的发展，用户可以通过移动设备使用2G、3G、4G或wifi等方式进行数据传输以及数据交互，当在数据交互的过程中，也会遇到类似情况。
【发明内容】
本发明的主要目的是提供一种电子凭证变更以及数据交互处理的方法、系统及装置，能够使第二终端用户通过第二终端任意变更接收目标数据的账户，使得在数据交互过程中接收数据的方式更加灵活，提高了数据交互的效率。
本发明采用的一个技术方案是：提供一种电子凭证变更方法，该方法包括：第二终端在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，向第二资金管理服务器发送变更第二终端用户的账户的请求信息；其中，电子凭证为第一终端用户以其账户资金或授信额度作为保证金向第一资金管理服务器申请并由第一资金管理服务器开立的电子承诺支付凭证，第二终端用户的账户用于接收与电子凭证承诺支付额度相等的资金；第二资金管理服务器接收请求信息，并根据请求信息变更第二终端用户的账户信息。
本发明采用的另一个技术方案是：提供一种电子凭证变更方法，应用于第二资金管理服务器，该方法包括：第二资金管理服务器在接收到第一资金管理服务器发送的电子凭证后，接收第二终端发送的变更第二终端用户的账户的请求信息；其中，电子凭证为第一终端用户以其账户资金或授信额度作为保证金向第一资金管理服务器申请并由第一资金管理服务器开立的电子承诺支付凭证，第二终端用户的账户用于接收与电子凭证承诺支付额度相等的资金；第二资金管理服务器接收请求信息，并根据请求信息变更第二终端用户的账户信息。
本发明采用的另一个技术方案是：提供一种电子凭证变更系统，该系统包括第二终端以及第二资金管理服务器；第二终端用于在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，向第二资金管理服务器发送变更第二终端用户的账户的请求信息；其中，电子凭证为第一终端用户以其账户资金或授信额度作为保证金向第一资金管理服务器申请并由第一资金管理服务器开立的电子承诺支付凭证，第二终端用户的账户用于接收与电子凭证承诺支付额度相等的资金；第二资金管理服务器用于接收请求信息，并根据请求信息变更第二终端用户的账户信息。
本发明采用的另一个技术方案是：提供一种电子凭证变更理装置，应用于第二资金管理服务器，装置包括接收模块以及处理模块；接收模块用于在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，接收第二终端发送的变更第二终端用户的账户的请求信息；其中，电子凭证为第一终端用户以其账户资金或授信额度作为保证金向第一资金管理服务器申请并由第一资金管理服务器开立的电子承诺支付凭证，第二终端用户的账户用于接收与电子凭证承诺支付额度相等的资金；处理模块用于根据请求信息变更第二终端用户的账户信息。
本发明采用的另一个技术方案是：提供一种数据交互处理方法，方法包括：第二终端在第二服务器接收到第一服务器发送的数据凭证后，向第二服务器发送变更第二终端的账户的请求信息；其中，数据凭证是第一终端作为数据发起方与第一服务器之间预先建立的数据关联关系的量化工具；第二服务器接收请求信息，并根据请求信息变更第二终端的账户信息。
本发明采用的另一个技术方案是：提供一种数据交互处理方法，应用于第二服务器，方法包括：第二服务器在接收到第一服务器发送的数据凭证后，接收第二终端发送的变更第二终端的账户的请求信息；其中，数据凭证是第一终端作为数据发起方与第一服务器之间预先建立的数据关联关系的量化工具；第二服务器接收请求信息，并根据请求信息变更第二终端的账户信息。
本发明采用的另一个技术方案是：提供一种数据交互处理数据凭证系统，系统包括第二终端以及第二服务器；第二终端用于在第二服务器接收到第一服务器发送的数据凭证后，向第二服务器发送变更第二终端的账户的请求信息；其中，数据凭证是第一终端作为数据发起方与第一服务器之间预先建立的数据关联关系的量化工具；第二服务器用于接收请求信息，并根据请求信息变更第二终端的账户信息。
本发明采用的另一个技术方案是：提供一种数据交互处理装置，应用于第二服务器，装置包括接收模块以及处理模块；接收模块用于在第二服务器接收到第一服务器发送的数据凭证后，接收第二终端发送的变更第二终端的账户的请求信息；其中，数据凭证是第一终端作为数据发起方与第一服务器之间预先建立的数据关联关系的量化工具；处理模块用于根据请求信息变更第二终端的账户信息。
区别于现有技术的情况，本发明中第二终端在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，向第二资金管理服务器发送变更第二终端用户的账户的请求信息；其中，第二终端用户的账户用于接收解冻的与电子凭证额度相等资金，电子凭证为第一终端用户以其账户资金或授信额度作为保证金向第一资金管理服务器申请并由第一资金管理服务器开立的数据凭证；第二资金管理服务器接收请求信息，并根据请求信息变更第二终端用户的账户信息。通过上述方式，本发明能够使第二终端用户任意变更自己的账户，保障了当第二终端用户在预设账户异常的情况下，使用其他账户进行收款，使收款方式更加灵活。另外，第二终端在第二服务器接收到第一服务器发送的数据凭证后，向第二服务器发送变更第二终端的账户的请求信息；其中，数据凭证是第一终端作为数据发起方与第一服务器之间预先建立的数据关联关系的量化工具；第二服务器接收请求信息，并根据请求信息变更第二终端的账户信息。通过上述方式，数据的接收端第二终端可以任意更换接收数据的账户，保障了在一账户异常的情况，还可以通过其他账户接收数据，提高了数据交互的效率。
【附图说明】
图1是本发明电子凭证变更方法第一实施方式的流程图；
图2是本发明电子凭证变更方法第二实施方式的流程图；
图3是本发明电子凭证变更系统一实施方式的结构示意图；
图4是本发明电子凭证变更装置第一实施方式的结构示意图；
图5是本发明电子凭证变更装置第一实施方式的另一结构示意图；
图6是本发明数据交互处理方法第一实施方式的流程图；
图7是本发明数据交互处理方法第二实施方式的流程图；
图8是本发明数据交互处理系统一实施方式的结构示意图；
图9是本发明数据交互处理装置第一实施方式的结构示意图。
【具体实施方式】
为详细说明本发明的技术内容、构造特征、所实现目的及效果，以下结合附图和实施例对本发明进行详细说明。
参阅图1，本发明电子凭证变更方法第一实施方式的流程图该方法包括：
步骤101：第二终端在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，向第二资金管理服务器发送变更第二终端用户的账户的请求信息。
其中，电子凭证是指第一资金管理服务器根据第一终端用户的申请冻结第一终端用户账户相应的资金或支用授信额度并以第一资金管理服务器的名义开立，且承诺依照约定条件进行结算的电子承诺支付凭证。电子凭证基本业务流程为：第一资金管理服务器根据第一终端用户的申请冻结所需数额资金以开立电子凭证，当约定解付条件达成时，由第一资金管理服务器将资金解付办理支付结算。
在本实施方式中，步骤101之前，第二资金管理服务器已经接收到第一资金管理服务器发送的电子凭证；在其他实施方式中，若第二终端向第二资金管理服务器发送该请求信息时，第二资金管理服务器未接收到第一资金管理服务器发送的电子凭证，第二资金管理服务器可以反馈其未收到电子凭证的消息给第二终端，以便第二终端可以再向第一资金管理服务器发送变更电子凭证的接收用户为第三终端用户的请求信息。
步骤102：第二资金管理服务器接收请求信息，并根据请求信息变更第二终端用户的账户信息。
其中，步骤102具体为：第二资金管理服务器接收请求信息，并验证电子凭证的状态，当验证通过后，根据请求信息变更第二终端用户的账户信息。
在本实施方式中，该电子凭证的状态即电子凭证信息，电子凭证信息包括第一终端、第一资金管理服务器、第二终端以及第二资金管理服务器的基本信息以及第二终端用户的第一账户信息，当然，电子凭证信息还包括电子凭证的额度信息、清算信息以及开证时间和有效期；当然，开证时间和有效期也可以直接替换为到期时间。
其中，当第二终端向第二资金服务器发送请求信息时，该请求信息可以包括第二终端用户设置的不同于第一账户信息的第二账户信息，例如，第二账户的账号、账户所有人姓名等。
验证电子凭证的状态具体为：第二资金管理服务器根据电子凭证的开证时间和有效期判断该电子凭证是否超过有效期，并根据电子凭证的额度信息和清算信息判断第二资金管理服务器是否接收到第一资金管理服务器发放的与电子凭证价值相等的资金。
在上述验证过程中，若电子凭证有效并且第二资金管理服务器未接收到第一资金管理服务器发放的与电子凭证价值相等的资金，则第二资金管理服务器变更电子凭证信息以使第二终端用户的第二账户成为与该电子凭证价值相等的资金的收款账号。
其中，变更电子凭证信息具体为：将电子凭证信息中的接收用户的账户从第一账户变更为第二账户，即当第二资金管理服务器接收到第一资金管理服务器发放的与该电子凭证价值相等的资金时，将该资金划拨到第二终端用户的第二账户而不是预设的第一账户。
在上述验证过程中，若电子凭证无效或者第二资金管理服务器已接收到第一资金管理服务器发放的与电子凭证价值相等的资金，则第二资金管理服务器向第二终端发送验证失败的消息，即第二终端无法变更电子凭证的账户为第二账户。
在另一实施方式中，该验证过程可以仅验证电子凭证是否超过有效期，而不验证第二资金管理服务器是否收到与该电子凭证价值相等的资金，因为无论第二终端用户怎么变更账户，都必须通过第二资金管理服务器来进行收款。
步骤102之后还可以包括：
步骤103：第二资金管理服务器向第二终端发送电子凭证变更信息。
在其他实施方式中，第二终端在向第二资金管理服务器发送请求信息时，可以不包括第二账户信息，而是在在步骤103完成后，第二终端再向第二资金管理服务器发送第二终端用户的第二账户信息。
在上述过程完成后，当第一资金管理服务器需要向第二资金管理服务器发放与电子凭证价值相等的资金时，向第二资金管理服务器发放该相应资金，第二资金管理服务器在接收到该资金后不按照预先的约定向第二终端用户的第一账户划拨该资金，而是根据变更后的电子凭证信息向第让终端用户的的第二账户划拨该资金。
在一具体的例子中，第一资金管理服务器为第一银行的资金管理服务器，第二资金管理服务器为第二银行的资金管理服务器；第一终端为终端A，第一终端用户为用户A，第二终端为终端B，第二终端用户为用户B。
电子凭证是指第一银行根据用户A的申请冻结资金或支用授信额度并以第一银行名义开立，且承诺依照约定条件进行结算的电子信用承诺支付凭证。电子凭证基本业务流程：第一银行根据用户A的申请冻结所需数额资金以开立电子凭证，当约定解付条件达成时，由第一银行将资金解付办理支付结算。
当用户A需要向用户B转10万资金时，先通过终端A向第一银行申请开立价值为10万元的电子凭证，并设置用户B的银行、账号以及电子凭证的有效期等。其中，用户A开立价值10万元的电子凭证的前提是该用户A在第一银行的存款、信用额度或其他形式的资产的价值至少大于10万元，在电子凭证开立后，第一银行冻结用户A在第一银行中价值10万元的资产。
在一般流程中，第一银行会将该电子凭证发送给第二银行，第二银行接收该电子凭证并将电子凭证信息发送给终端B，用户B确认信息并申请委托第二银行接收资金；第一银行则解冻10万元资金，并将其转给第二银行，第二银行再将10万元划拨到用户B的第一账户。
在本实施方式中，第一银行将该电子凭证发送给第二银行，第二银行接收该电子凭证并将电子凭证信息发送给终端B后，用户B由于一些原因（例如，用户B的第一账户被冻结或者第一账户存在安全风险等）需要通过第二账户来接收该电子凭证并通过第二银行将10万元转入用户B的第二账户。则用户B通过终端B向第二银行发送变更电子凭证的接收账户为用户B的第二账户请求信息；第二银行响应请求信息，在确定电子凭证没有超过有效期以及第二银行尚未接收到第一银行发放的与电子凭证价值相等的资金时，变更电子凭证信息，将电子凭证的接收账户改为用户B的第二庄户。第二银行再将该变更信息发送给终端B，用户B在收到该信息后设置自己的账户，即第二账户的账号、持卡人姓名等信息，并通过终端B发送给第二银行。当第二银行接收到第一银行发放的与该电子凭证价值相等的10万元时，将该10万元发放到用户B的第二账户。
以上方案中，当第二终端在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，向第二资金管理服务器发送变更第二终端用户的账户的请求信息；其中，第二终端用户的账户用于接收解冻的与电子凭证额度相等资金，电子凭证为第一终端用户以其账户资金或授信额度作为保证金向第一资金管理服务器申请并由第一资金管理服务器开立的数据凭证；第二资金管理服务器接收请求信息，并根据请求信息变更第二终端用户的账户信息。通过上述方式，本发明能够使第二终端用户任意变更自己的账户，保障了当第二终端用户在预设账户异常的情况下，使用其他账户进行收款，使收款方式更加灵活。
参阅图2，本发明电子凭证变更方法第二实施方式的流程图，该方法应用于第二资金管理服务器，该方法包括：
步骤201：第二资金管理服务器在接收到第一资金管理服务器发送的电子凭证后，接收第二终端发送的变更第二终端用户的账户的请求信息。
其中，电子凭证是指第一资金管理服务器根据第一终端用户的申请冻结第一终端用户账户相应的资金或支用授信额度并以第一资金管理服务器的名义开立，且承诺依照约定条件进行结算的电子信用承诺支付凭证。电子凭证基本业务流程为：第一资金管理服务器根据第一终端用户的申请冻结所需数额资金以开立电子凭证，当约定解付条件达成时，由第一资金管理服务器将资金解付办理支付结算。
步骤202：第二资金管理服务器接收请求信息，并根据请求信息变更第二终端用户的账户信息。
在步骤202中，第二资金管理服务器接收请求信息之后，还包括步骤：验证电子凭证的状态，当验证通过后，根据请求信息变更第二终端用户的账户信息。
其中，变更电子凭证的接收用户信息具体为：将电子凭证信息中的接收用户项变更为第三终端用户，即当第二资金管理服务器接收到第一资金管理服务器发放的与该电子凭证价值相等的资金时，将该资金划拨到第三终端用户的相应账户。
本实施方式是基于上述第一实施方式中第二资金管理服务器的实施方式，这里不再赘述。
参阅图3，本发明电子凭证变更系统一实施方式的结构示意图，该系统300包括第二终端302以及第二资金管理服务器304。
第二终端302用于在第二资金管理服务器304接收到第一资金管理服务器303发送的电子凭证后，向第二资金管理服务器304发送变更第二终端302用户的账户的请求信息。
其中，电子凭证是指第一资金管理服务器303根据第一终端301用户的申请冻结资金或支用授信额度并以第一资金管理服务器303的名义开立，且承诺依照约定条件进行结算的电子信用承诺支付凭证。电子凭证基本业务流程为：第一资金管理服务器303根据第一终端用户的申请冻结所需数额资金以开立电子凭证，当约定解付条件达成时，由第一资金管理服务器303将资金解付办理支付结算。
第二资金管理服务器304用于接收请求信息，并根据请求信息变更第二终端302用户的账户信息。
另外，第二资金管理服务器304还用于在接收请求信息后，验证电子凭证的状态，当验证通过后，根据请求信息变更第二终端用户的账户信息。
其中，验证电子凭证的状态具体为：第二资金管理服务器304根据电子凭证的开证时间和有效期判断该电子凭证是否超过有效期，并根据电子凭证的额度信息和清算信息判断第二资金管理服务器304是否接收到第一资金管理服务器303发放的与电子凭证价值相等的资金。
其中，变更电子凭证的接收用户信息具体为：将电子凭证信息中的接收用户账户变更为不同于预设第一账户的第二账户，即当第二资金管理服务器304接收到第一资金管理服务器303发放的与该电子凭证价值相等的资金时，将该资金划拨到第二终端302用户的第二账户。
另外，第二资金管理服务器304还用于在变更电子凭证信息之后向第二终端发送电子凭证变更信息。
本实施方式是基于上述电子凭证变更方法第一实施方式的一系统，这里不再赘述。
参阅图4，本发明电子凭证变更装置第一实施方式的结构示意图，该装置400为第二资金管理服务器，该装置400包括接收模块401以及处理模块402。
接收模块401用于在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，接收第二终端发送的变更第二终端用户的账户的请求信息。
处理模块402用于根据请求信息变更第二终端用户的账户信息。
其中，电子凭证是指第一资金管理服务器根据第一终端用户的申请冻结第一终端用户账户相应的资金或支用授信额度并以第一资金管理服务器的名义开立，且承诺依照约定条件进行结算的电子信用承诺支付凭证。电子凭证基本业务流程为：第一资金管理服务器根据第一终端用户的申请冻结所需数额资金以开立电子凭证，当约定解付条件达成时，由第一资金管理服务器将资金解付办理支付结算。
如图5所示，在另一实施方式中，该装置500包括接收模块501、验证模块502、处理模块503以及发送模块504。
接收模块501用于在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，接收第二终端发送的变更第二终端用户的账户的请求信息。
验证模块502用于在接收模块接收请求信息后，验证电子凭证的状态。
处理模块503用于根据请求信息变更第二终端用户的账户信息。
发送模块504用于在处理模块根据请求信息变更第二终端用户的账户信息后，向第二终端发送电子凭证变更信息。
其中，电子凭证是指第一资金管理服务器根据第一终端用户的申请冻结第一终端用户账户相应的资金或支用授信额度并以第一资金管理服务器的名义开立，且承诺依照约定条件进行结算的电子信用承诺支付凭证。电子凭证基本业务流程为：第一资金管理服务器根据第一终端用户的申请冻结所需数额资金以开立电子凭证，当约定解付条件达成时，由第一资金管理服务器将资金解付办理支付结算。
其中，验证模块502的验证过程具体为：第二资金管理服务器根据电子凭证的开证时间和有效期判断该电子凭证是否超过有效期，并根据电子凭证的额度信息和清算信息判断第二资金管理服务器是否接收到第一资金管理服务器发放的与电子凭证价值相等的资金。
其中，处理模块503的变更过程具体为：将电子凭证信息中的接收用户账户变更为不同与预设第一账户的第二账户，即当第二资金管理服务器接收到第一资金管理服务器发放的与该电子凭证价值相等的资金时，将该资金划拨到第二终端用户的第二账户。
本实施方式是基于上述第一实施方式中第二资金管理服务器的一装置，这里不再赘述。
参与图6，本发明数据交互处理方法第一实施方式的流程图，该方法包括：
步骤601：第二终端在第二服务器接收到第一服务器发送的数据凭证后，向第二服务器发送变更第二终端的账户的请求信息。
其中，数据凭证是第一终端作为数据发起方与第一服务器之间预先建立的数据关联关系的量化工具。
步骤602：第二服务器接收请求信息，并根据请求信息变更第二终端的账户信息。
下面以数据交互为例，对本实施方式进行举例说明：
首先，用户A能够通过密码对终端1拥有管理权限，例如能够使用该密码通过终端1登录管理系统。
当用户A需要让用户B来管理该系统时，用户A基于该密码向服务器1提出申请，并由服务器1建立密码凭证，并将该密码凭证发送给服务器2。
在一般情况下，服务器2会根据该密码凭证在接收到服务器1发送的密码后，将该密码发送给终端2中用户B的账户1中，用户B则可以通过该密码在终端2上登录管理系统。
在本例子中，由于账户1被冻结等异常情况，可能无法正常接收该密码，用户B则通过终端2向服务器2发送一请求信息，用以将密码凭证的接收账户变更为账户2，服务器2接收到该请求信息后，则根据该请求信息变更密码的接收账户为账户2。
因此，当服务器1需要向服务器2发送密码后，服务器2会将该密码发送到终端2中用户B的账户2，用户B获得管理系统的管理权限。
上述方案中，第二终端在第二服务器接收到第一服务器发送的数据凭证后，向第二服务器发送变更第二终端的账户的请求信息；其中，数据凭证是第一终端作为数据发起方与第一服务器之间预先建立的数据关联关系的量化工具；第二服务器接收请求信息，并根据请求信息变更第二终端的账户信息。通过上述方式，数据的接收端第二终端可以任意更换接收数据的账户，保障了在一账户异常的情况，还可以通过其他账户接收数据，提高了数据交互的效率。
参阅图7，本发明数据交互处理方法第二实施方式的流程图，该方法包括：
步骤701：第二服务器在接收到第一服务器发送的数据凭证后，接收第二终端发送的变更第二终端的账户的请求信息。
其中，数据凭证是第一终端作为数据发起方与第一服务器之间预先建立的数据关联关系的量化工具。
步骤702：第二服务器接收请求信息，并根据请求信息变更第二终端的账户信息。
参阅图8，本发明数据交互处理系统一实施方式的结构示意图，该系统800包括第二终端802以及第二服务器804。
第二终端801用于在第二服务器805接收到第一服务器804发送的数据凭证后，向第二服务器805发送变更第二终端802的账户的请求信息。
其中，数据凭证是第一终端801作为数据发起方与第一服务器804之间预先建立的数据关联关系的量化工具。
第二服务器805用于接收请求信息，并根据请求信息变更第二终端802的账户信息。
参阅图9，本发明数据交互处理装置第一实施方式的结构示意图，应用于第二服务器，该装置包括接收模块901以及处理模块902。
接收模块901用于在第二服务器接收到第一服务器发送的数据凭证后，接收第二终端发送的变更第二终端的账户的请求信息。
其中，数据凭证是第一终端作为数据发起方与第一服务器之间预先建立的数据关联关系的量化工具。
处理模块902用于根据请求信息变更第二终端的账户信息。
以上仅为本发明的实施方式，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (10)

  1. 一种电子凭证变更方法，其中，所述方法包括：
    第二终端在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，向所述第二资金管理服务器发送变更所述第二终端用户的账户的请求信息；其中，所述电子凭证为第一终端用户以其账户资金或授信额度作为保证金向第一资金管理服务器申请并由第一资金管理服务器开立的电子承诺支付凭证，所述第二终端用户的账户用于接收与所述电子凭证承诺支付额度相等的资金；
    所述第二资金管理服务器接收所述请求信息，并根据所述请求信息变更所述第二终端用户的账户信息。
  2. 根据权利要求1所述的方法，其中，所述第二资金管理服务器接收所述请求信息，并根据所述请求信息变更所述第二终端用户的账户信息的步骤，具体包括：
    所述第二资金管理服务器接收所述请求信息，并验证所述电子凭证的状态，当验证通过后，根据所述请求信息变更所述第二终端用户的账户信息。
  3. 根据权利要求1所述的方法，其中，根据所述请求信息变更所述第二终端用户的账户信息的步骤之后，还包括：
    所述第二资金管理服务器向所述第二终端发送电子凭证变更信息。
  4. 一种电子凭证变更方法，应用于第二资金管理服务器，其中，所述方法包括：
    第二资金管理服务器在接收到第一资金管理服务器发送的电子凭证后，接收第二终端发送的变更第二终端用户的账户的请求信息；其中，所述电子凭证为第一终端用户以其账户资金或授信额度作为保证金向第一资金管理服务器申请并由第一资金管理服务器开立的电子承诺支付凭证，所述第二终端用户的账户用于接收与所述电子凭证承诺支付额度相等的资金；
    所述第二资金管理服务器接收所述请求信息，并根据所述请求信息变更所述第二终端用户的账户信息。
  5. 一种电子凭证变更系统，其中，所述系统包括第二终端以及第二资金管理服务器；
    第二终端用于在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，向所述第二资金管理服务器发送变更第二终端用户的账户的请求信息；其中，所述电子凭证为第一终端用户以其账户资金或授信额度作为保证金向第一资金管理服务器申请并由第一资金管理服务器开立的电子承诺支付凭证，所述第二终端用户的账户用于接收与所述电子凭证承诺支付额度相等的资金；
    所述第二资金管理服务器用于接收所述请求信息，并根据所述请求信息变更所述第二终端用户的账户信息。
  6. 一种电子凭证变更装置，应用于第二资金管理服务器，其中，所述装置包括接收模块以及处理模块；
    所述接收模块用于在第二资金管理服务器接收到第一资金管理服务器发送的电子凭证后，接收第二终端发送的变更第二终端用户的账户的请求信息；其中，所述电子凭证为第一终端用户以其账户资金或授信额度作为保证金向第一资金管理服务器申请并由第一资金管理服务器开立的电子承诺支付凭证，所述第二终端用户的账户用于接收与所述电子凭证承诺支付额度相等的资金；
    所述处理模块用于根据所述请求信息变更所述第二终端用户的账户信息。
  7. 一种数据交互处理方法，其中，所述方法包括：
    第二终端在第二服务器接收到第一服务器发送的数据凭证后，向所述第二服务器发送变更所述第二终端的账户的请求信息；其中，所述数据凭证是第一终端作为数据发起方与所述第一服务器之间预先建立的数据关联关系的量化工具；
    所述第二服务器接收所述请求信息，并根据所述请求信息变更所述第二终端的账户信息。
  8. 一种数据交互处理方法，应用于第二服务器，其中，所述方法包括：
    第二服务器在接收到第一服务器发送的数据凭证后，接收第二终端发送的变更第二终端的账户的请求信息；其中，所述数据凭证是第一终端作为数据发起方与所述第一服务器之间预先建立的数据关联关系的量化工具；
    所述第二服务器接收所述请求信息，并根据所述请求信息变更所述第二终端的账户信息。
  9. 一种数据交互处理系统，其中，所述系统包括第二终端以及第二服务器；
    第二终端用于在第二服务器接收到第一服务器发送的数据凭证后，向所述第二服务器发送变更第二终端的账户的请求信息；其中，所述数据凭证是第一终端作为数据发起方与所述第一服务器之间预先建立的数据关联关系的量化工具；所述第二服务器用于接收所述请求信息，并根据所述请求信息变更所述第二终端的账户信息。
  10. 一种数据交互处理装置，应用于第二服务器，其中，所述装置包括接收模块以及处理模块；
    所述接收模块用于在第二服务器接收到第一服务器发送的数据凭证后，接收第二终端发送的变更第二终端的账户的请求信息；其中，所述数据凭证是第一终端作为数据发起方与所述第一服务器之间预先建立的数据关联关系的量化工具；
    所述处理模块用于根据所述请求信息变更所述第二终端的账户信息。
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