WO2017011998A1 - 线上资金管理方法、数据交互处理方法及装置 - Google Patents

线上资金管理方法、数据交互处理方法及装置 Download PDF

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Publication number
WO2017011998A1
WO2017011998A1 PCT/CN2015/084565 CN2015084565W WO2017011998A1 WO 2017011998 A1 WO2017011998 A1 WO 2017011998A1 CN 2015084565 W CN2015084565 W CN 2015084565W WO 2017011998 A1 WO2017011998 A1 WO 2017011998A1
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WO
WIPO (PCT)
Prior art keywords
data
party
management server
fund management
information
Prior art date
Application number
PCT/CN2015/084565
Other languages
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/CN2015/084565 priority Critical patent/WO2017011998A1/zh
Priority to CA2993527A priority patent/CA2993527A1/en
Priority to CN201580012837.0A priority patent/CN106104597A/zh
Publication of WO2017011998A1 publication Critical patent/WO2017011998A1/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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials

Definitions

  • the present invention relates to the field of electronic commerce, and in particular, to an online fund management method, a data interaction processing method and apparatus.
  • the current online electronic payment or online 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 In the existing online electronic payment or online payment, the risk in the form of a third-party payment company guarantee is small.
  • the funds of the paying party customer or the payer still have a greater risk.
  • the third party company cannot promptly and effectively intervene and block, resulting in the payer's customer or payer. Unable to maintain the self-interest of the goods/services. For example, the paying party customer or payer is not satisfied with the purchased goods/services, and the goods/service providers are not resolved, or the paying party customer or payer is unable to defend their rights due to civil economic disputes.
  • the object of the present invention is to provide an online fund management method, a data interaction processing method, a device and a system, which can effectively ensure that the interests of the payer are not protected when the payment party and the product/service provider have a dispute or the payment side of the payment is abnormal. damage.
  • the first technical solution adopted by the present invention is to provide an online fund management method, the method comprising: the first participating party sends an electronic voucher for canceling the second participant to the first fund management server.
  • the first fund management server sends the settlement request to the second fund management server; the second fund management server, upon confirming that the settlement request satisfies the condition for canceling the electronic certificate,
  • the second participant sends the information that has been requested to be sent; the second participant sends a suspension release command to the second fund management server upon receiving the information that has been applied for cancellation; wherein the suspension
  • the settlement command includes at least a suspension of the payment deadline;
  • the second fund management server responds to the suspension of the settlement command and, when confirming that the funds of the electronic certificate have not been released, to the second participant and the first
  • the fund management server separately transmits information for suspending the payment of the electronic voucher funds; wherein the first fund management server is an account tube of the first participant Server, the second fund management server to the second participant's account management server.
  • the second technical solution adopted by the present invention is to provide an online fund management method, the method comprising: the second fund management server receiving the first participant request solution sent by the first fund management server Paying information of the second party's electronic voucher; transmitting the information that has been requested to be sent to the second party when confirming that the request satisfies the condition for canceling the electronic voucher; receiving the second party receiving the message a suspend payment command sent after the information that has been requested to be sent, in response to the suspend payment request, and to the second participant and the first funds when the funds confirming the electronic voucher have not been released
  • the management server separately sends information for suspending the payment of the electronic voucher funds; wherein the suspend payment command includes at least a suspension of the payment deadline; wherein the first fund management server is the account management server of the first participant
  • the second fund management server is an account management server of the second participant.
  • the second fund management server when the second fund management server confirms that the request for canceling the electronic certificate of the second participant sent by the first participant meets the condition for canceling the payment of the electronic voucher fund, the second fund management server sends the application to the second participant to apply for payment.
  • the second fund management server responds to the suspension release command after receiving the suspension release command sent by the second participant, and when confirming that the funds of the electronic certificate have not been released, to the second participant and the A money management server separately transmits information for suspending the payment of the electronic voucher funds to notify the first party and the second party, and can block the first party when the first party and the second party have a sale and purchase dispute
  • the payment of the electronic voucher funds of the second party is effective to ensure that the financial interests of the second party are not impaired.
  • the second participant may also request relief from the third party to ensure the security of the funds of the second party.
  • the third technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the first interaction direction, the first service party, sending data from the data unit of the second interaction party a request for a value; wherein the request includes at least a data value requested to be acquired; the first server sends the received request information to a second server; the second server confirms that the request satisfies When the data credential obtains the condition of the data value, sending, to the second interacting party, information that has been requested to obtain the data value; and the second interacting party, after receiving the information that has applied for acquiring the data value, to the second The service party sends a pause command; wherein the pause command includes at least a pause period; the second service party responds to the pause command and, when confirming that the state of the data certificate is not acquired, to the second interaction And the first servant respectively send information for suspending obtaining the data value of the data voucher; wherein the first servant manages the number of the first interacting
  • the fourth technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the second service party receiving the first interaction party sent by the first service party from the second interaction party a request for obtaining a data value in the data unit; wherein the request includes at least a data value requested to be acquired; and when the request confirms that the condition satisfies a condition for acquiring a data value from the data voucher, sending the message to the second interacting party Applying to obtain information of the data value; responding to the suspension command sent by the second interaction party after receiving the information that has been requested to acquire the data value, and when confirming that the state of the data certificate is not acquired,
  • the second interacting party and the first servant respectively send information for suspending obtaining the data value of the data credential; wherein the suspending command includes a suspending term; the first servant manages the data unit of the first interacting party Data value, the second server manages the data value of the data unit of the second interacting party.
  • the fifth technical solution adopted by the present invention is to provide a data interaction processing device, where the device includes a receiving module, configured to receive a first interaction party sent by a first service party from a second interaction party. a request for obtaining a data value in the data unit; wherein the request includes at least a data value requested to be acquired; a processing module, configured to confirm whether the request satisfies a condition for obtaining a data value from the data credential, and for responding to the Determining, by the second interaction party, a pause command sent after the information of the data value has been requested, and confirming whether the state of the data certificate is an unacquired state; and sending a module, where the processing module is in the confirmation And when the request satisfies the condition for acquiring the data value from the data credential, sending, to the second interacting party, information that has requested to acquire the data value; and for confirming, in the processing module, that the status of the data credential is not acquired And in the state,
  • the data interaction processing device sends the request to the second interacting party when confirming that the request for acquiring the data value from the data unit of the second interacting party sent by the first interacting party satisfies the condition for acquiring the data value from the data credential Applying to obtain information of the data value; after receiving the pause command sent by the second interaction party, the data interaction processing device responds to the pause release command, and when confirming that the state of the data certificate is not acquired, the second interaction And the first servant separately sends information for suspending the data value of the data voucher to notify the first interacting party and the second interacting party, and can block the data interaction between the first interacting party and the second interacting party.
  • An interaction party obtains data values from the data credentials of the second interaction party, thereby effectively ensuring the risk of data security of the second interaction party.
  • FIG. 1 is a schematic flow chart of an embodiment of an online fund management method according to the present invention.
  • FIG. 2 is a schematic diagram of an online fund management relationship in an embodiment of the present invention.
  • FIG. 3 is a schematic flow chart of another embodiment of an online fund management method of the present invention.
  • FIG. 4 is a schematic flow chart of an embodiment of a data interaction processing method according to the present invention.
  • FIG. 5 is a schematic flowchart diagram of another embodiment of a data interaction processing method according to the present invention.
  • FIG. 6 is a schematic structural diagram of an embodiment of a data interaction processing system according to the present invention.
  • FIG. 7 is a schematic structural diagram of an embodiment of a data interaction processing apparatus according to the present invention.
  • FIG. 1 is a schematic flowchart of an embodiment of an online fund management method according to the present invention.
  • FIG. 2 is a schematic diagram of the relationship of online fund management according to an embodiment of the present invention.
  • the online fund management method includes the following steps:
  • S101 The first participating party sends a request for canceling the electronic certificate of the second participant to the first fund management server.
  • the second participant When the second participant purchases the goods/services from the first participant, the second participant receives the request for the second party's electronic voucher to be sent to the first fund management server upon receiving the goods/services.
  • the request includes at least the amount of funds requested to be paid.
  • the electronic voucher involved in the embodiment of the present invention may be referred to as a "silver certificate.”
  • the silver letter certificate is an electronic credit commitment payment certificate that the fund management institution freezes the applicant's funds or the credit line according to the application of the applicant (second party) and opens the bank in the name of the bank, and promises to settle according to the agreed conditions.
  • the basic business process of the Bank's letter of credit The issuing bank freezes the required amount of funds according to the application of the issuer to open a bank letter. When the agreed settlement conditions are met, the issuing bank will settle the funds for payment settlement.
  • the electronic voucher information includes at least the amount of funds.
  • the first fund management server is an account management server of the first participant.
  • S102 The first fund management server sends the settlement request to the second fund management server.
  • the first fund management server upon receiving the request sent by the first participant to cancel the electronic certificate of the second participant, sends the received request to cancel the electronic certificate of the second participant to the second fund management server.
  • the second fund management server is an account management server of the second participant.
  • 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 fund requested to be released is the deposit of the second party to the first fund management server
  • the first fund management server gives the credit amount of the second party or the money corresponding to the real property mortgaged by the second party at the first fund management server.
  • first money management server and the second money management server may be the same money management server.
  • the second fund management server sends the information that has been requested to be sent to the second participant when confirming that the settlement request satisfies the condition for canceling the electronic voucher.
  • the second fund management server After receiving the request, the second fund management server retrieves the electronic credentials of the second participant and confirms whether the settlement request satisfies the condition for canceling the electronic certificate.
  • the status of the electronic voucher is changed to the state to be released, and the information that has been requested to be sent is sent to the second participant.
  • the condition for confirming whether the request satisfies the payment of the electronic voucher may be: confirming whether the second party has obtained the goods/services, and whether the amount of funds requested to be solved in the request is the same as the amount corresponding to the goods/services, etc. However, it is not limited to this, and can be set according to actual needs.
  • S104 The second participant sends a suspension release command to the second fund management server upon receiving the information that has been applied for cancellation.
  • the second party When the second party is dissatisfied with the goods/services provided by the first party, a dispute with the first party, or the second party is involved in a civil economic dispute, the second party receives the second fund management server.
  • a suspension release command is sent to the second money management server.
  • the suspension of the payment order includes at least a suspension of the payment deadline.
  • the second fund management server sends a pause to the second participant and the first fund management server respectively, in response to the suspension of the payment command and when the funds of the electronic certificate are not yet released.
  • the information of the electronic voucher funds is not yet released.
  • the second fund management server When the second fund management server receives the suspension release command sent by the second participant, the second fund management server responds to the suspension release command, and retrieves the electronic credentials of the second participant again to confirm the status of the electronic certificate. Whether the information is unpaid.
  • the second party and the first money management server respectively send information for suspending the payment of the electronic voucher funds.
  • the second money management server may further send the notification information of the suspension of the payment failure to the second participant.
  • the second participant may further send the request information for processing the electronic voucher to the third participant.
  • the request information is information for requesting to freeze or unfreeze the electronic certificate, or information for deducting funds from the electronic certificate, but is not limited thereto.
  • the third participant sends a corresponding processing instruction to the second fund management server in response to the request information; the second fund management server performs corresponding processing on the electronic voucher according to the processing instruction sent by the third participant. For example, freezing or unfrozen funds for electronic voucher, or debiting funds from the electronic voucher.
  • the third party may also directly send a corresponding processing instruction to the second fund management server.
  • the processing instruction may be: funds for freezing or unfreezing the electronic voucher, or information for deducting funds from the electronic voucher, but is not limited thereto.
  • the second fund management server further confirms whether the third party sends the message.
  • a processing instruction for processing the electronic voucher is
  • the second fund management server When the second fund management server receives the processing instruction for processing the electronic voucher sent by the third party, the electronic voucher is processed according to the processing instruction sent by the third party, and the processing of the electronic voucher may be frozen. Or withdraw funds from the electronic voucher or deduct funds from the electronic voucher.
  • the third party is a third party institution, and the third party institution has the authority to freeze the funds.
  • the third party institution is at least one of the public security organ, the procuratorate, the court, the security agency, the military security department, the prison security department, the customs, and the tax. However, it is not limited to this, and it can also be other organizations with the authority to freeze funds, and there is no limitation here.
  • the second fund management server does not receive the processing instruction for processing the electronic voucher sent by the third party, and confirms the time limit for reaching the electronic voucher, the electronic voucher is released, and the unfrozen and electronic voucher will be released.
  • the equal amount of funds is transferred to an intermediate account to enable the clearing of the goods/services purchased by the second party using the thawed funds, and the status information of the electronic voucher is changed to the state to be liquidated.
  • the first fund management server sends the information for suspending the payment of the electronic voucher fund to the First party.
  • the first fund management server After receiving the information sent by the first fund management server and suspending the payment of the electronic voucher funds, the first fund management server sends the information for suspending the payment of the electronic voucher funds to the first participant to notify the first participant of the The electronic voucher funds are in a state of suspension of payment.
  • the second fund management server when the second fund management server confirms that the request for canceling the electronic certificate of the second participant sent by the first participant satisfies the condition for canceling the payment of the electronic voucher fund, the second fund management server sends the application to the second participant to apply for payment.
  • the second fund management server responds to the suspension release command after receiving the suspension release command sent by the second participant, and when confirming that the funds of the electronic certificate have not been released, to the second participant and the A money management server separately transmits information for suspending the payment of the electronic voucher funds to notify the first party and the second party, and can block the first party when the first party and the second party have a sale and purchase dispute
  • the payment of the electronic voucher funds of the second party is effective to ensure that the financial interests of the second party are not impaired.
  • the second participant may also request relief from the third party to ensure the security of the funds of the second party.
  • FIG. 3 is a schematic flowchart diagram of an embodiment of an online fund management method according to the present invention.
  • the execution subject of this embodiment is the first fund management server.
  • the online fund management method in this embodiment includes the following steps:
  • the second fund management server receives the information that the first participant sent by the first fund management server requests to cancel the electronic certificate of the second participant.
  • the second participant purchases the goods/services from the first participant
  • the second participant receives the goods/services
  • the first participant sends a request to the first fund management server to send the electronic credentials of the second participant
  • the second The fund management server receives the information that the first participant sent by the first fund management server requests to cancel the electronic certificate of the second participant.
  • the request information includes at least the amount of funds requested to be released.
  • the electronic voucher involved in the embodiment of the present invention may be referred to as a "silver certificate.”
  • the silver letter certificate is an electronic credit commitment payment certificate that the fund management institution freezes the applicant's funds or the credit line according to the application of the applicant (second party) and opens the bank in the name of the bank, and promises to settle according to the agreed conditions.
  • the basic business process of the Bank's letter of credit The issuing bank freezes the required amount of funds according to the application of the issuer to open a bank letter. When the agreed settlement conditions are met, the issuing bank will settle the funds for payment settlement.
  • the electronic voucher information includes at least the amount of funds.
  • the first fund management server is an account management server of the first participant.
  • the second fund management server is an account management server of the second participant.
  • 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 fund requested to be released is the deposit of the second party to the first fund management server
  • the first fund management server gives the credit amount of the second party or the money corresponding to the real property mortgaged by the second party at the first fund management server.
  • first money management server and the second money management server may be the same money management server.
  • S202 Send the information that has been requested to be sent to the second participant when confirming that the request satisfies the condition for canceling the electronic voucher.
  • the second fund management server After receiving the information of the electronic voucher of the second participant, the second fund management server retrieves the electronic voucher of the second party and confirms whether the request information satisfies the condition for canceling the electronic voucher.
  • the status of the electronic voucher is changed to the state to be solved, and the information that has been requested to be sent is sent to the second participant, so that the second participant is involved in the first participation. If the goods/services provided by the party are not satisfied, and there is a dispute with the first party, or the second party is caught in a civil economic dispute and receives the information that has been applied for cancellation by the second fund management server, send it to the second fund management server. Suspend the order.
  • the suspension of the payment order includes at least the suspension of the payment deadline.
  • the condition for confirming whether the request satisfies the payment of the electronic voucher may be: confirming whether the second participant has obtained the goods/services, and whether the amount of funds requested to be solved in the request is the same as the amount corresponding to the goods/services, etc., but It is not limited to this, and can be set according to actual needs.
  • S203 Receive a suspension release command sent by the second participant after receiving the information that has been requested to be sent, respond to the suspension of the settlement command, and when the funds for confirming the electronic certificate have not been released,
  • the second participant and the first fund management server respectively transmit information for suspending the payment of the electronic voucher funds.
  • the second fund management server When the second fund management server receives the suspension release command sent by the second participant, the second fund management server responds to the suspension release command, and retrieves the electronic credentials of the second participant again to confirm the status of the electronic certificate. Whether the information is unpaid.
  • the second fund management server confirms that the funds of the electronic voucher have not been paid, respectively, sending information to the second participant and the first fund management server to suspend the payment of the electronic voucher funds, so that the first fund management server will suspend the solution.
  • the information for the electronic voucher funds is sent to the first party.
  • the second money management server may further send the notification information of the suspension of the payment failure to the second participant.
  • the second fund management server further confirms whether the third party sends the message.
  • a processing instruction for processing the electronic voucher is
  • the second fund management server does not receive the processing instruction for processing the electronic voucher sent by the third party, and confirms the time limit for reaching the electronic voucher, the electronic voucher is released, and the unfrozen and electronic voucher will be released.
  • the equal amount of funds is transferred to an intermediate account to enable the clearing of the goods/services purchased by the second party using the thawed funds, and the status information of the electronic voucher is changed to the state to be liquidated.
  • the processing instruction for processing the electronic voucher sent by the third participant is sent after the confirmation response receives the request information for processing the electronic voucher sent by the second participant.
  • the request information is sought for relief to protect its own interests.
  • the request information is information for requesting to freeze or unfreeze the electronic certificate, or information for deducting funds from the electronic certificate, but is not limited thereto.
  • the second fund management server performs corresponding processing on the electronic voucher according to the processing instruction sent by the third party. For example, freezing or unfrozen funds for electronic voucher, or debiting funds from the electronic voucher.
  • the third party is a third party institution, and the third party institution has the authority to freeze the funds.
  • the third party institution is at least one of the public security organ, the procuratorate, the court, the security agency, the military security department, the prison security department, the customs, and the tax. However, it is not limited to this, and it can also be other organizations with the authority to freeze funds, and there is no limitation here.
  • the second fund management server when the second fund management server confirms that the request for canceling the electronic certificate of the second participant sent by the first participant satisfies the condition for canceling the payment of the electronic voucher fund, the second fund management server sends the application to the second participant to apply for payment.
  • the second fund management server responds to the suspension release command after receiving the suspension release command sent by the second participant, and when confirming that the funds of the electronic certificate have not been released, to the second participant and the A money management server separately transmits information for suspending the payment of the electronic voucher funds to notify the first party and the second party, and can block the first party when the first party and the second party have a sale and purchase dispute
  • the payment of the electronic voucher funds of the second party is effective to ensure that the financial interests of the second party are not impaired.
  • the second participant may also request relief from the third party to ensure the security of the funds of the second party.
  • FIG. 4 is a schematic flowchart diagram of an embodiment of a data interaction processing method according to the present invention.
  • the data interaction processing method in this embodiment includes the following steps:
  • the first interaction direction sends a request for acquiring the data value from the data unit of the second interaction party.
  • the first interaction direction sends a request for acquiring the data value from the data unit of the second interaction party.
  • S302 The first servant sends the received request information to the second servant.
  • the second serving party sends, to the second interacting party, information that has requested to acquire the data value, when confirming that the request satisfies the condition for acquiring the data value from the data credential.
  • the second servant After receiving the request sent by the first servant, the second servant retrieves the data credential of the second interacting party, and sends the requested requisition to the second interacting party when confirming that the request satisfies the condition for obtaining the data value from the data credential Information about the value of the data.
  • the condition that the request satisfies the data value from the data credential may be: the data value requested by the request is the same as the data value corresponding to the data interaction, but is not limited thereto, and may be set according to actual needs.
  • S304 The second interaction party sends a pause command to the second service party after receiving the information that has applied for acquiring the data value.
  • the second interaction party sends a pause command to the second service party to block the first interaction party when receiving the information that the second service party has requested to acquire the data value and determines to prevent the first interaction party from acquiring the data value from the data certificate.
  • the suspension command includes at least a suspension period.
  • the second serving party responds to the pause command and sends a pause to acquire the data to the second interaction party and the first service party respectively when confirming that the status of the data certificate is not acquired. Information about the data value of the voucher.
  • the second server When receiving the pause command sent by the second interaction party, the second server responds to the pause command, and sends a message to the second interaction party and the first service party when the status of the data value of the data certificate is confirmed to be not acquired. Pause information for obtaining data values for data credentials.
  • the second interlocutor and the first servant respectively send the information for suspending the data value of the data credential
  • the second servant receives the suspending acquisition of the data credential.
  • the information of the data value is sent to the third interacting party, and the third interacting party sends a corresponding processing instruction to the second server in response to the requesting information.
  • the request information includes information for requesting to freeze or unfreeze data values of the data voucher, or obtaining data values from the data values, but is not limited thereto.
  • the second server processes the data certificate according to the processing instruction.
  • the corresponding processing instruction is to freeze or unfreeze the data value of the data voucher, or obtain the data value from the data value, but is not limited thereto.
  • the second interlocutor and the first servant respectively send the information of the data value of the suspended data credential
  • the second servant can also confirm whether the third party is received.
  • the processing instruction of the data credential sent by the interacting party when the second servant does not receive the processing instruction for the data credential sent by the third interacting party, and reaches the pause time corresponding to the suspending command, obtaining the data value of the data credential And increment the data value to the target data unit for the first interacting party to obtain.
  • the first servant when the status of the data credential is the unacquired state, after the second interactive party and the first servant respectively send the information of the data value of the suspended data credential, the first servant will receive the suspended data credential. The information of the data value is sent to the first interacting party.
  • the first server sends the received information of the data value of the suspended data voucher to the first interacting party to notify the first interacting party to suspend the data value of the data voucher.
  • the first interaction party is user A
  • the second interaction party is user B
  • the third interaction party is for C
  • user A corresponds to the first service party
  • user B corresponds to the second service party
  • User B is the administrator of multiple clients and has a corresponding password for each client to perform administrator privileges.
  • User C has higher administrative privileges than User A.
  • the client can be a device such as a personal computer, a tablet, a smart phone, or the like that can perform data interaction with the server through a network.
  • the second service party When the user A obtains the password of the management authority of the client 2 from the user B, the second service party sends a request for requesting the data certificate of the user B to the second service party. User A with higher administrative privileges is involved in management. User A sends a request to the first servant to obtain a password for at least part of the client's administrative rights from the user B data unit.
  • the second servant After receiving the request sent by the first servant, and confirming that the request satisfies the condition for obtaining the password for obtaining the management authority of at least part of the client from the data credential, the second servant sends the management to the user B to apply for obtaining at least part of the client. Permission password information.
  • the user B After receiving the information, the user B sends a pause command to the second service party to prevent the user A from acquiring the password of at least part of the management rights of the client when confirming that the user A needs to prevent the password of at least part of the management rights of the client.
  • the second service party When the second service party confirms that the password of the management authority of at least part of the client is not obtained by the user A, the second service party sends the information of the password for suspending the management authority of at least part of the client to the user A and the first service party, respectively, to pass the first service party. Notify User A to suspend the password for at least some of the client's administrative rights.
  • the user B may also send a request to the user C with higher management authority to confirm that the user A needs to obtain the password of at least part of the management authority of the client, to request the user C to the second.
  • the server sends the information of the password of the management authority of the client that freezes the data certificate of the user B.
  • the user C sends a relevant processing instruction to the second server to process the data certificate of the user B.
  • the second service party does not receive the processing instruction sent by the user C, and determines that the pause time corresponding to the pause command sent by the user B is reached, the password of the management authority of at least part of the client is obtained and sent to the target. Data unit for user A to obtain.
  • the second servant freezes or unfreezes the password of the management authority of at least part of the client according to the command included in the request, or obtains the password of at least part of the management authority of the client from the data credential to be increased to The data unit specified by user C.
  • the user C has higher management authority than the user B, and the user C can perform risk control on the data interaction between the user A and the user B, thereby avoiding the risk that the user A has security of the client data.
  • the requested data may also be text data, audio data, video data, program data, or financial data in the financial field.
  • capital data such as funds
  • the third interacting party is a third party authorized institution (for example, the court, customs, tax agency, but not limited to this, the first interacting party is the seller, the second interacting party is the buyer, the first servant is the first fund management server, and the second servant is the second fund management server. , for example, a bank.
  • audio data such as a song
  • the data requester and the data originator may be a client having a multimedia playing function such as a mobile phone, and the server is a music website server.
  • the second servant when the second servant confirms that the request for acquiring the data value from the data unit of the second interacting party sent by the first interacting party satisfies the condition for acquiring the data value from the data credential, the second servant sends the condition to the second interacting party. Applying to obtain the information of the data value; after receiving the pause command sent by the second interaction party, the second server responds to the pause release command, and when confirming that the state of the data certificate is not acquired, the second interaction And the first servant separately sends information for suspending the data value of the data voucher to notify the first interacting party and the second interacting party, and can block the data interaction between the first interacting party and the second interacting party.
  • An interaction party obtains data values from the data credentials of the second interaction party, thereby effectively ensuring the risk of data security of the second interaction party.
  • FIG. 5 is a schematic flowchart diagram of another embodiment of a data interaction processing method according to the present invention.
  • the execution subject of this embodiment is the second service party.
  • the data interaction processing method in this embodiment includes the following steps:
  • S401 The second servant receives the request that the first interaction party sent by the first servant acquires the data value from the data unit of the second interaction party.
  • the first interaction direction sends a request for acquiring the data value from the data unit of the second interaction party, and the first service party sends the request to the second service party.
  • the second servant receives the request that the first interacting party sent by the first servant obtains the data value from the data unit of the second interacting party.
  • the request at least includes the data value requested to be acquired.
  • the first server manages the data value of the data unit of the first interacting party
  • the second server manages the data value of the data unit of the second interacting party.
  • S402 Send information that has requested to acquire the data value to the second interaction party when confirming that the request satisfies the condition for acquiring the data value from the data credential.
  • the second servant After receiving the request sent by the first servant, the second servant retrieves the data credential of the second interacting party, and sends the requested requisition to the second interacting party when confirming that the request satisfies the condition for obtaining the data value from the data credential Information of the data value, so that the second interacting party can send a pause to the second service party when receiving the information of the applied data value that has been requested by the second service party and determining that the first interacting party is prevented from obtaining the data value from the data credential
  • the suspension command includes at least a suspension period.
  • the condition that the request satisfies the data value from the data credential may be: the data value requested by the request is the same as the data value corresponding to the data interaction, but is not limited thereto, and may be set according to actual needs.
  • S403 respond to the suspension command sent by the second interaction party after receiving the information that has been requested to acquire the data value, and when confirming that the state of the data certificate is not acquired, the second interaction party and the The first service party separately transmits information for suspending the data value of the data certificate.
  • the second server When the second interacting party sends a pause command to the second server after receiving the information that has requested the data value, the second server receives the pause command sent by the second interacting party, responds to the pause command, and confirms the data certificate.
  • the state of the data value is the unacquired state, the information of the data value of the suspended data voucher is sent to the second interacting party and the first servant respectively.
  • the second servant receives the suspending acquisition of the data credential.
  • the request information is sent to the third interacting party; the third interacting party sends the corresponding processing instruction to the second server in response to the request information.
  • the request information includes information for requesting to freeze or unfreeze data values of the data voucher, or obtaining data values from the data values, but is not limited thereto.
  • the second server processes the data certificate according to the processing instruction.
  • the corresponding processing instruction is to freeze or unfreeze the data value of the data voucher, or obtain the data value from the data voucher, but is not limited thereto.
  • the second interlocutor and the first servant respectively send the information of the data value of the suspended data credential
  • the second servant can also confirm whether the third party is received. a processing instruction for the data credential sent by the interacting party; when the second serving party does not receive the processing instruction for the data credential sent by the third interacting party, and reaches the pause time corresponding to the suspending command, acquiring the data credential
  • the data value is added to the target data unit for acquisition by the first interacting party.
  • the second servant when the second servant confirms that the request for acquiring the data value from the data unit of the second interacting party sent by the first interacting party satisfies the condition for acquiring the data value from the data credential, the second servant sends the condition to the second interacting party. Applying to obtain the information of the data value; after receiving the pause command sent by the second interaction party, the second server responds to the pause release command, and when confirming that the state of the data certificate is not acquired, the second interaction And the first servant separately sends information for suspending the data value of the data voucher to notify the first interacting party and the second interacting party, and can block the data interaction between the first interacting party and the second interacting party.
  • An interaction party obtains data values from the data credentials of the second interaction party, thereby effectively ensuring the risk of data security of the second interaction party.
  • FIG. 6 is a schematic structural diagram of an embodiment of a data interaction processing system according to the present invention.
  • the data interaction processing system in this embodiment includes a first interaction party, a second interaction party, a first service party, a second service party, and a third interaction party.
  • Each of the interacting parties and the servant included in the data interaction processing system in this embodiment is used to execute the steps in the embodiment corresponding to FIG. 4 and FIG. 4 .
  • FIG. 4 and FIG. 4 Narration.
  • the first interaction party is configured to send, to the first service party, a request to obtain a data value from the data unit of the second interaction party; wherein the request includes at least the data value requested to be acquired.
  • the first servant is configured to send the received request information to the second servant.
  • the second servant is configured to, when confirming that the request satisfies a condition for acquiring a data value from the data credential, send information to the second interacting party that has requested to acquire a data value.
  • the second interaction party is configured to send a suspension command to the second service party after receiving the information that has requested to acquire the data value; wherein the suspension command includes at least the suspension deadline.
  • the second servant is further configured to respond to the suspend command sent by the second interacting party and send the data value of the suspended data voucher to the second interacting party and the first servant separately when the status of the acknowledgment data credential is not acquired. information.
  • the second servant when the second servant confirms that the request for acquiring the data value from the data unit of the second interacting party sent by the first interacting party satisfies the condition for acquiring the data value from the data credential, the second servant sends the condition to the second interacting party. Applying to obtain the information of the data value; after receiving the pause command sent by the second interaction party, the second server responds to the pause release command, and when confirming that the state of the data certificate is not acquired, the second interaction And the first servant separately sends information for suspending the data value of the data voucher to notify the first interacting party and the second interacting party, and can block the data interaction between the first interacting party and the second interacting party.
  • An interaction party obtains data values from the data credentials of the second interaction party, thereby effectively ensuring the risk of data security of the second interaction party.
  • FIG. 7 is a schematic structural diagram of an embodiment of a data interaction processing apparatus according to the present invention.
  • the modules included in the data interaction processing device in this embodiment are used to perform the steps in the embodiment corresponding to FIG. 5 and FIG. 5 .
  • the data interaction processing apparatus 700 in this embodiment includes a receiving module 710, a school processing module 720, and a sending module 730.
  • the receiving module 710 is configured to receive a request that the first interacting party sent by the first servant obtains the data value from the data unit of the second interacting party; wherein the request includes at least the data value requested to be acquired.
  • the processing module 730 is configured to confirm whether the request received by the receiving module 710 satisfies the condition for acquiring the data value from the data credential, and the suspending command sent in response to the second interacting party receiving the information that has requested to acquire the data value, and confirming the data. Whether the status of the voucher is an unobtained state; wherein the suspending command is sent by the second interacting party to the second servant after receiving the information that has requested to acquire the data value.
  • the sending module 730 is configured to: when the processing module 720 confirms that the request received by the receiving module 710 satisfies the condition for acquiring the data value from the data credential, send the information that has applied for acquiring the data value to the second interacting party; and is used to confirm at the processing module 720.
  • the second interlocutor and the first servant respectively send information for suspending the data value of the data voucher.
  • the first server manages the data value of the data unit of the first interacting party
  • the second server manages the data value of the data unit of the second interacting party.
  • the data interaction processing device sends the request to the second interacting party when confirming that the request for acquiring the data value from the data unit of the second interacting party sent by the first interacting party satisfies the condition for acquiring the data value from the data credential Applying to obtain information of the data value; after receiving the pause command sent by the second interaction party, the data interaction processing device responds to the pause release command, and when confirming that the state of the data certificate is not acquired, the second interaction And the first servant separately sends information for suspending the data value of the data voucher to notify the first interacting party and the second interacting party, and can block the data interaction between the first interacting party and the second interacting party.
  • An interaction party obtains data values from the data credentials of the second interaction party, thereby effectively ensuring the risk of data security of the second interaction party.

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Abstract

本发明公开了一种线上资金管理方法、数据交互处理方法及装置。其中，线上资金管理方法包括：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第一参与方向第一资金管理服务器发送的解付第二参与方的电子凭证的请求，在确认该请求满足解付电子凭证的条件时，向第二参与方发送已申请解付的信息；第二参与方在接收到已申请解付的信息时向第二资金管理服务器发送暂停解付命令；第二资金管理服务器响应暂停解付命令并在确认电子凭证的资金尚未解付时，向第二参与方和第一资金管理服务器分别暂停解付所述电子凭证资金的信息。通过上述方式，本发明能够有效保证第二参与方的资金利益不受损害，有效避免第二交互方的数据安全的风险问题。

Description

线上资金管理方法、数据交互处理方法及装置
【技术领域】
本发明涉及电子商务领域，特别是涉及一种线上资金管理方法、数据交互处理方法及装置。
【背景技术】
目前的在线电子支付或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。现有的在线电子支付或网络支付中，以第三方支付公司担保的形式存在的风险较小。
然而，采用第三方支付公司担保的形式，对付款方客户或付款方来说，在未收到商品时，其资金已经支付到第三方支付公司，一旦第三方支付公司出现问题，付款方客户或付款方的资金得不到保障。因此，采用第三方支付公司担保的形式，付款方客户或付款方的资金仍然存在较大风险。特别是当付款方客户或付款方与商品/服务提供方发生纠纷，或付款方客户或付款方资金流转出现异常时，第三方公司无法及时有效的介入和阻止，而导致付款方客户或付款方无法维护对商品/服务的自身利益。例如，付款方客户或付款方对所购买的商品/服务不满意，而商品/服务提供方不予解决，或付款方客户或付款方因陷入民事经济纠纷等，而无法维护自身权益。
更进一步地，由于用户可通过互联网实现多种方式的数据交互，由此，有必要提供基于线上的数据交互处理方法。
【发明内容】
本发明的目的在于提供线上资金管理方法、数据交互处理方法、装置及系统，能够在支付方与商品/服务提供方发生纠纷或支付方的资金流转异常时，有效保证支付方的利益不受损害。
为解决上述技术问题，本发明采用的第一个技术方案是：提供一种线上资金管理方法，所述方法包括：第一参与方向第一资金管理服务器发送解付第二参与方的电子凭证的请求；所述第一资金管理服务器发送所述解付请求至第二资金管理服务器；所述第二资金管理服务器在确认所述解付请求满足解付所述电子凭证的条件时，向所述第二参与方发送已申请解付的信息；所述第二参与方在接收到所述已申请解付的信息时向所述第二资金管理服务器发送暂停解付命令；其中，所述暂停解付命令至少包括暂停解付期限；所述第二资金管理服务器响应所述暂停解付命令并在确认所述电子凭证的资金尚未解付时，向所述第二参与方和所述第一资金管理服务器分别发送暂停解付所述电子凭证资金的信息；其中，所述第一资金管理服务器为所述第一参与方的账户管理服务器，所述第二资金管理服务器为所述第二参与方的账户管理服务器。
为解决上述技术问题，本发明采用的第二个技术方案是：提供一种线上资金管理方法，所述方法包括：第二资金管理服务器接收第一资金管理服务器发送的第一参与方请求解付第二参与方的电子凭证的信息；在确认所述请求满足解付所述电子凭证的条件时，向所述第二参与方发送已申请解付的信息；接收第二参与方在接收到所述已申请解付的信息后发送的暂停解付命令，响应所述暂停解付命令并在确认所述电子凭证的资金尚未解付时，向所述第二参与方和所述第一资金管理服务器分别发送暂停解付所述电子凭证资金的信息；其中，所述暂停解付命令至少包括暂停解付期限；其中，所述第一资金管理服务器为所述第一参与方的账户管理服务器，所述第二资金管理服务器为所述第二参与方的账户管理服务器。
以上方案，第二资金管理服务器在确认接收到第一参与方发送的解付第二参与方的电子凭证的请求满足解付该电子凭证资金的条件时，向第二参与方发送已申请解付的信息；第二资金管理服务器在接收到第二参与方发送的暂停解付命令后，响应该暂停解付命令，并在确认该电子凭证的资金尚未解付时，向第二参与方和第一资金管理服务器分别发送暂停解付所述电子凭证资金的信息，以通知第一参与方以及第二参与方，能够在第一参与方与第二参与方发生买卖纠纷时，阻止第一参与方解付第二参与方的电子凭证资金，有效保证第二参与方的资金利益不受损害。第二参与方还可以向第三参与方请求救济，以保证第二参与方的资金安全。
为解决上述技术问题，本发明采用的第三个技术方案是：提供一种数据交互处理方法，所述方法包括：第一交互方向第一服务方发送从第二交互方的数据单元中获取数据值的请求；其中，所述请求至少包括请求获取的数据值；所述第一服务方将接收到的请求信息发送至第二服务方；所述第二服务方在确认所述请求满足从所述数据凭证获取数据值的条件时，向所述第二交互方发送已申请获取数据值的信息；所述第二交互方在接收到所述已申请获取数据值的信息后向所述第二服务方发送暂停命令；其中，所述暂停命令至少包括暂停期限；所述第二服务方响应所述暂停命令并在确认所述数据凭证的状态为未被获取状态时，向所述第二交互方和所述第一服务方分别发送暂停获取所述数据凭证的数据值的信息；其中，所述第一服务方管理所述第一交互方的数据单元的数据值，所述第二服务方管理所述第二交互方的数据单元的数据值。
为解决上述技术问题，本发明采用的第四个技术方案是：提供一种数据交互处理方法，所述方法包括：第二服务方接收第一服务方发送的第一交互方从第二交互方的数据单元中获取数据值的请求；其中，所述请求至少包括请求获取的数据值；在确认所述请求满足从所述数据凭证获取数据值的条件时，向所述第二交互方发送已申请获取数据值的信息；响应所述第二交互方在接收到所述已申请获取数据值的信息后发送的暂停命令，在确认所述数据凭证的状态为未获取状态时，向所述第二交互方和所述第一服务方分别发送暂停获取所述数据凭证的数据值的信息；其中，所述暂停命令包括暂停期限；所述第一服务方管理所述第一交互方的数据单元的数据值，所述第二服务方管理所述第二交互方的数据单元的数据值。
为解决上述技术问题，本发明采用的第五个技术方案是：提供一种数据交互处理装置，所述装置包括接收模块，用于接收第一服务方发送的第一交互方从第二交互方的数据单元中获取数据值的请求；其中，所述请求至少包括请求获取的数据值；处理模块，用于确认所述请求是否满足从所述数据凭证获取数据值的条件，以及用于响应所述第二交互方在接收到所述已申请获取数据值的信息后发送的暂停命令，并确认所述数据凭证的状态是否为未获取状态；发送模块，用于在所述处理模块在确认所述请求满足从所述数据凭证获取数据值的条件时，向所述第二交互方发送已申请获取数据值的信息；以及用于在所述处理模块在确认所述数据凭证的状态为未获取状态时，向所述第二交互方和所述第一服务方分别发送暂停获取所述数据凭证的数据值的信息；其中，所述第一服务方管理所述第一交互方的数据单元的数据值，所述第二服务方管理所述第二交互方的数据单元的数据值。
上述方案，数据交互处理装置在确认接收到第一交互方发送的从第二交互方的数据单元中获取数据值的请求满足从该数据凭证获取数据值的条件时，向第二交互方发送已申请获取数据值的信息；数据交互处理装置在接收到第二交互方发送的暂停命令后，响应该暂停解付命令，并在确认该数据凭证的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息，以通知第一交互方以及第二交互方，能够在第一交互方与第二交互方的数据交互发生异常时，阻止第一交互方从第二交互方的数据凭证中获取数据值，有效保证第二交互方的数据安全的风险问题。
【附图说明】
图1是本发明线上资金管理方法一实施例的流程示意图；
图2是本发明实施例中线上资金管理关系示意图；
图3是本发明线上资金管理方法另一实施例的流程示意图；
图4是本发明数据交互处理方法一实施例的流程示意图；
图5是本发明数据交互处理方法另一实施例的流程示意图；
图6是本发明数据交互处理系统一实施例的结构示意图；
图7是本发明数据交互处理装置一实施例的结构示意图。
【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。
请参阅图1，本发明线上资金管理方法一实施例的流程示意图。请一并参阅图2，图2为本发明实施例中线上资金管理关系示意图。线上资金管理方法包括以下步骤：
S101：第一参与方向第一资金管理服务器发送解付第二参与方的电子凭证的请求。
当第二参与方向第一参与方购买商品/服务，第二参与方在收到商品/服务时，第一参与方向第一资金管理服务器发送解付第二参与方的电子凭证的请求。其中，该请求至少包括请求解付的资金额度。
在本发明实施例涉及的电子凭证可以称之为“银信证”。银信证是以资金管理机构根据申请人（第二参与方）的申请冻结申请人的资金或支用授信额度并以银行名义开立，且承诺依照约定条件进行结算的电子信用承诺支付凭证。银信证基本业务流程：开证银行根据开证人的申请冻结所需数额资金以开立银信证，当约定解付条件达成时，由开证银行将资金解付办理支付结算。
电子凭证信息至少包括资金额度。第一资金管理服务器为第一参与方的账户管理服务器。
S102：所述第一资金管理服务器发送所述解付请求至第二资金管理服务器。
第一资金管理服务器在接收到第一参与方发送的解付第二参与方的电子凭证的请求时，将接收到的解付第二参与方的电子凭证的请求发送至第二资金管理服务器。
其中，第二资金管理服务器为第二参与方的账户管理服务器。
进一步地，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；请求解付的资金为第二参与方于第一资金管理服务器的存款、或第一资金管理服务器给予第二参与方的信用额度、或第二参与方于第一资金管理服务器抵押的不动产所对应的资金。
进一步地，在另一种实施例中，第一资金管理服务器以及第二资金管理服务器可以为同一个资金管理服务器。
S103：所述第二资金管理服务器在确认所述解付请求满足解付所述电子凭证的条件时，向所述第二参与方发送已申请解付的信息。
第二资金管理服务器在接收到该请求后，调取第二参与方的电子凭证，并确认该解付请求是否满足解付所述电子凭证的条件。
在确认该请求满足解付电子凭证的条件时，将电子凭证的状态更改为待解付状态，并向第二参与方发送已申请解付的信息。
其中，确认该请求是否满足解付所述电子凭证的条件可以为：确认第二参与方是否已经获得商品/服务，该请求中请求解付的资金额度是否与该商品/服务对应的金额相同等，但并不限于此，还可以根据实际需要进行设置。
S104：所述第二参与方在接收到所述已申请解付的信息时向所述第二资金管理服务器发送暂停解付命令。
当第二参与方对第一参与方提供的商品/服务不满意，与第一参与方发生纠纷，或第二参与方陷入民事经济纠纷时，第二参与方在接收到第二资金管理服务器发送的已申请解付的信息时，向第二资金管理服务器发送暂停解付命令。其中，暂停解付命令至少包括暂停解付期限。
S105：所述第二资金管理服务器响应所述暂停解付命令并在确认所述电子凭证的资金尚未解付时，向所述第二参与方和所述第一资金管理服务器分别发送暂停解付所述电子凭证资金的信息。
第二资金管理服务器在接收到第二参与方发送的暂停解付命令时，第二资金管理服务器响应该暂停解付命令，再次调取第二参与方的电子凭证，以确认该电子凭证的状态信息是否为未解付状态。
在第二资金管理服务器确认该电子凭证的资金尚未解付时，向第二参与方和第一资金管理服务器分别发送暂停解付该电子凭证资金的信息。
进一步地，当第二资金管理服务器确认该电子凭证的资金已经未解付时，第二资金管理服务器还可以向第二参与方发送暂停解付失败的通知信息。
进一步地，在第二参与方接收到第二资金管理服务器发送的暂停解付该电子凭证资金的信息后，第二参与方还可以向第三参与方发送对该电子凭证进行处理的请求信息，以寻求救济维护自身利益。其中，该请求信息为请求冻结或解冻电子凭证的资金，或从该电子凭证中扣划资金的信息，但并不限于此。
第三参与方响应该请求信息向第二资金管理服务器发送相应的处理指令；第二资金管理服务器根据第三参与方发送的处理指令对电子凭证执行相应的处理。比如，冻结或解冻电子凭证的资金，或从该电子凭证中扣划资金。
在另一种实施例中，在暂停解付期限内当第二参与方陷入民事经济纠纷时，第三参与方还可以直接向第二资金管理服务器发送相应的处理指令。处理指令可以为：冻结或解冻电子凭证的资金，或从该电子凭证中扣划资金的信息，但并不限于此。
进一步地，在第二资金管理服务器向第二参与方和第一资金管理服务器分别发送的暂停解付该电子凭证资金的信息后，第二资金管理服务器还确认是否接收到第三参与方发送的对该电子凭证进行处理的处理指令。
当第二资金管理服务器接收到第三参与方发送的对该电子凭证进行处理的处理指令，则根据第三参与方发送的处理指令对电子凭证进行相应的处理，对电子凭证的处理可以为冻结或解冻电子凭证的资金，或从该电子凭证中扣划资金。
其中，第三参与方为第三方机构，第三方机构具有冻结资金的权限第三方机构至少为公安机关、检察院、法院、安全机关、军队保卫部门、监狱保卫部门、海关、税务中的任意一个，但并不限于此，还可以为其他具有冻结资金的权限的机构，此处不作限制。
当第二资金管理服务器未收到第三参与方发送的对该电子凭证进行处理的处理指令，且确认到达该电子凭证的暂停解付期限时，解付该电子凭证，将解冻的与电子凭证额度相等的资金划拨至一中间账户，以能够使用解冻的资金对第二参与方所购买的商品/服务进行清算，并将该电子凭证的状态信息更改为待清算状态。
进一步地，在第二资金管理服务器向第二参与方和第一资金管理服务器分别发送的暂停解付该电子凭证资金的信息后，第一资金管理服务器将暂停解付电子凭证资金的信息发送至第一参与方。
第一资金管理服务器在接收到第一资金管理服务器发送的暂停解付所述电子凭证资金的信息后，将暂停解付电子凭证资金的信息发送至第一参与方，以通知第一参与方该电子凭证资金处于暂停解付状态。
上述方案，第二资金管理服务器在确认接收到第一参与方发送的解付第二参与方的电子凭证的请求满足解付该电子凭证资金的条件时，向第二参与方发送已申请解付的信息；第二资金管理服务器在接收到第二参与方发送的暂停解付命令后，响应该暂停解付命令，并在确认该电子凭证的资金尚未解付时，向第二参与方和第一资金管理服务器分别发送暂停解付所述电子凭证资金的信息，以通知第一参与方以及第二参与方，能够在第一参与方与第二参与方发生买卖纠纷时，阻止第一参与方解付第二参与方的电子凭证资金，有效保证第二参与方的资金利益不受损害。
第二参与方还可以向第三参与方请求救济，以保证第二参与方的资金安全。
请参阅图3，图3是本发明线上资金管理方法一实施例的流程示意图。本实施例的执行主体为第一资金管理服务器。本实施例中的线上资金管理方法包括以下步骤：
S201：第二资金管理服务器接收第一资金管理服务器发送的第一参与方请求解付第二参与方的电子凭证的信息。
当第二参与方向第一参与方购买商品/服务，第二参与方在收到商品/服务，第一参与方向第一资金管理服务器发送解付第二参与方的电子凭证的请求时，第二资金管理服务器接收第一资金管理服务器发送的第一参与方请求解付第二参与方的电子凭证的信息。其中，该请求信息至少包括请求解付的资金额度。
在本发明实施例涉及的电子凭证可以称之为“银信证”。银信证是以资金管理机构根据申请人（第二参与方）的申请冻结申请人的资金或支用授信额度并以银行名义开立，且承诺依照约定条件进行结算的电子信用承诺支付凭证。银信证基本业务流程：开证银行根据开证人的申请冻结所需数额资金以开立银信证，当约定解付条件达成时，由开证银行将资金解付办理支付结算。
电子凭证信息至少包括资金额度。第一资金管理服务器为第一参与方的账户管理服务器。第二资金管理服务器为第二参与方的账户管理服务器。
进一步地，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；请求解付的资金为第二参与方于第一资金管理服务器的存款、或第一资金管理服务器给予第二参与方的信用额度、或第二参与方于第一资金管理服务器抵押的不动产所对应的资金。
进一步地，在另一种实施例中，第一资金管理服务器以及第二资金管理服务器可以为同一个资金管理服务器。
S202：在确认所述请求满足解付所述电子凭证的条件时，向所述第二参与方发送已申请解付的信息。
第二资金管理服务器在接收到该解付第二参与方的电子凭证的信息后，调取第二参与方的电子凭证，并确认该请求信息是否满足解付电子凭证的条件。
在确认该请求满足解付电子凭证的条件时，将电子凭证的状态更改为待解付状态，并向第二参与方发送已申请解付的信息，以使第二参与方在对第一参与方提供的商品/服务不满意，与第一参与方发生纠纷，或第二参与方陷入民事经济纠纷接收到第二资金管理服务器发送的已申请解付的信息时，向第二资金管理服务器发送暂停解付命令。暂停解付命令至少包括暂停解付期限。
其中，确认该请求是否满足解付电子凭证的条件可以为：确认第二参与方是否已经获得商品/服务，该请求中请求解付的资金额度是否与该商品/服务对应的金额相同等，但并不限于此，还可以根据实际需要进行设置。
S203：接收第二参与方在接收到所述已申请解付的信息后发送的暂停解付命令，响应所述暂停解付命令并在确认所述电子凭证的资金尚未解付时，向所述第二参与方和所述第一资金管理服务器分别发送暂停解付所述电子凭证资金的信息。
第二资金管理服务器在接收到第二参与方发送的暂停解付命令时，第二资金管理服务器响应该暂停解付命令，再次调取第二参与方的电子凭证，以确认该电子凭证的状态信息是否为未解付状态。
在第二资金管理服务器确认该电子凭证的资金尚未解付时，向第二参与方和第一资金管理服务器分别发送暂停解付该电子凭证资金的信息，以使第一资金管理服务器将暂停解付电子凭证资金的信息发送至第一参与方。
进一步地，当第二资金管理服务器确认该电子凭证的资金已经未解付时，第二资金管理服务器还可以向第二参与方发送暂停解付失败的通知信息。
进一步地，在第二资金管理服务器向第二参与方和第一资金管理服务器分别发送的暂停解付该电子凭证资金的信息后，第二资金管理服务器还确认是否接收到第三参与方发送的对该电子凭证进行处理的处理指令。
当第二资金管理服务器未收到第三参与方发送的对该电子凭证进行处理的处理指令，且确认到达该电子凭证的暂停解付期限时，解付该电子凭证，将解冻的与电子凭证额度相等的资金划拨至一中间账户，以能够使用解冻的资金对第二参与方所购买的商品/服务进行清算，并将该电子凭证的状态信息更改为待清算状态。其中，第三参与方发送的对该电子凭证进行处理的处理指令是在确认响应接收到第二参与方发送的对该电子凭证进行处理的请求信息后发送的。该请求信息，以寻求救济维护自身利益。其中，该请求信息为请求冻结或解冻电子凭证的资金，或从该电子凭证中扣划资金的信息，但并不限于此。第二资金管理服务器根据第三参与方发送的处理指令对电子凭证执行相应的处理。比如，冻结或解冻电子凭证的资金，或从该电子凭证中扣划资金。
其中，第三参与方为第三方机构，第三方机构具有冻结资金的权限第三方机构至少为公安机关、检察院、法院、安全机关、军队保卫部门、监狱保卫部门、海关、税务中的任意一个，但并不限于此，还可以为其他具有冻结资金的权限的机构，此处不作限制。
上述方案，第二资金管理服务器在确认接收到第一参与方发送的解付第二参与方的电子凭证的请求满足解付该电子凭证资金的条件时，向第二参与方发送已申请解付的信息；第二资金管理服务器在接收到第二参与方发送的暂停解付命令后，响应该暂停解付命令，并在确认该电子凭证的资金尚未解付时，向第二参与方和第一资金管理服务器分别发送暂停解付所述电子凭证资金的信息，以通知第一参与方以及第二参与方，能够在第一参与方与第二参与方发生买卖纠纷时，阻止第一参与方解付第二参与方的电子凭证资金，有效保证第二参与方的资金利益不受损害。
第二参与方还可以向第三参与方请求救济，以保证第二参与方的资金安全。
请参阅图4，图4是本发明数据交互处理方法一实施例的流程示意图。本实施例中的数据交互处理方法包括以下步骤：
S301：第一交互方向第一服务方发送从第二交互方的数据单元中获取数据值的请求。
当第一交互方与第二交互方完成数据交互时，第一交互方向第一服务方发送从第二交互方的数据单元中获取数据值的请求。
S302：所述第一服务方将接收到的请求信息发送至第二服务方。
S303：所述第二服务方在确认所述请求满足从所述数据凭证获取数据值的条件时，向所述第二交互方发送已申请获取数据值的信息。
第二服务方在接收到第一服务方发送的请求后，调取第二交互方的数据凭证，在确认该请求满足从数据凭证获取数据值的条件时，向第二交互方发送已申请获取数据值的信息。
其中，该请求满足从数据凭证获取数据值的条件可以为：该请求所请求获取的数据值与数据交互对应的数据值相同，但并不限于此，还可以根据实际需要进行设置。
S304：所述第二交互方在接收到所述已申请获取数据值的信息后向所述第二服务方发送暂停命令。
第二交互方在接收到第二服务方发送的已申请获取数据值的信息并确定阻止第一交互方从数据凭证获取数据值时，向第二服务方发送暂停命令，以阻止第一交互方从数据凭证获取数据值。其中，该暂停命令至少包括暂停期限。
S305：所述第二服务方响应所述暂停命令并在确认所述数据凭证的状态为未被获取状态时，向所述第二交互方和所述第一服务方分别发送暂停获取所述数据凭证的数据值的信息。
第二服务方接收到第二交互方发送的暂停命令时，响应该暂停命令，并在确认数据凭证的数据值的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息。
进一步地，当数据凭证的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息之后，当第二服务方接收到暂停获取数据凭证的数据值的信息时，向第三交互方发送请求信息；第三交互方响应所述请求信息，向第二服务方发送相应的处理指令。其中，该请求信息包括为请求冻结或解冻数据凭证的数据值，或从数据值中获取数据值的信息，但并不限于此。第二服务方在接收到第三交互方发送的处理指令时，按照处理指令对数据凭证进行处理。相应的处理指令为冻结或解冻数据凭证的数据值，或从数据值中获取数据值，但并不限于此。
进一步地，当数据凭证的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息之后，第二服务方还可以确认是否接收到第三交互方发送的对该数据凭证的处理指令；当第二服务方未收到第三交互方发送的对该数据凭证的处理指令，且到达暂停命令对应的暂停时间时，获取数据凭证的数据值，并将数据值增加至目标数据单元，以供第一交互方获取。
进一步地，当数据凭证的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息之后，第一服务方将接收到的暂停获取数据凭证的数据值的信息发送至第一交互方。
第一服务方将接收到的暂停获取数据凭证的数据值的信息发送至第一交互方，以通知第一交互方暂停获取数据凭证的数据值。
下面对本发明实施方式中的数据交互处理方法进行举例说明。
例如，第一交互方为用户A，第二交互方为用户B，第三交互方为用于C，用户A对应第一服务方，用户B对应第二服务方。用户B为多个客户端的管理员，且针对每个客户端具有一个相应的密码用于执行管理员的权限。用户C的管理权限高于用户A。客户端可以是个人计算机、平板电脑、智能手机等能够通过网络与服务器进行数据交互传输的设备。
当用户A向用户B获取客户端2的管理权限的密码，通过第一服务方向第二服务方发送申请用户B的数据凭证的请求。时，具有更高管理权限的用户A介入管理。用户A向第一服务方发送从用户B数据单元获取至少部分客户端的管理权限的密码的请求。
第二服务方在接收到第一服务方发送的请求，并确认该请求满足获取从该数据凭证获取至少部分客户端的管理权限的密码的条件时，向用户B发送已申请获取至少部分客户端的管理权限的密码的信息。
用户B在接收到该信息后，在确认需要阻止用户A获取至少部分客户端的管理权限的密码时，向第二服务方发送暂停命令，以阻止用户A获取至少部分客户端的管理权限的密码。
第二服务方在确认至少部分客户端的管理权限的密码未被用户A获取时，分别向用户A以及第一服务方发送暂停获取至少部分客户端的管理权限的密码的信息，以通过第一服务方通知用户A暂停获取至少部分客户端的管理权限的密码。
进一步地，在用户B在接收到该信息后，在确认需要阻止用户A获取至少部分客户端的管理权限的密码时，还可以向具有更高管理权限用户C发送请求，以请求用户C向第二服务方发送冻结用户B的数据凭证的客户端的管理权限的密码的信息，用户C在确认响应该请求时，向第二服务方发送相关处理指令，以对用户B的数据凭证进行处理。
进一步地，第二服务方在未接收到用户C发送的处理指令，且确定达到用户B发送的暂停命令对应的暂停时间时，获取至少部分客户端的管理权限的密码，并将其发送给至目标数据单元，以供用户A获取。
第二服务方在接收到用户C发送的处理指令时，按照该请求包含的命令冻结或解冻至少部分客户端的管理权限的密码，或从该数据凭证中获取至少部分客户端的管理权限的密码增加至用户C指定的数据单元。
以上，用户C具有比用户B更高的管理权限，用户C可以对用户A和用户B之间的数据交互进行风险管控，从而避免用户A出现客户端数据安全的风险问题。
进一步地，请求的数据还可以是文字数据、音频数据、视频数据、程序数据或金融领域的资金数据等，如果是资金数据，比如资金，则此时第三交互方为第三方有权机构（如法院、海关、税务机构，但并不限于此），第一交互方是卖方，第二交互方是买方，第一服务方为第一资金管理服务器，第二服务方为第二资金管理服务器，例如，银行。如果是音频数据，比如歌曲，此时数据请求方和数据发起方可以是手机等具有多媒体播放功能的客户端，服务器为音乐网站服务器。
上述方案，第二服务方在确认接收到第一交互方发送的从第二交互方的数据单元中获取数据值的请求满足从该数据凭证获取数据值的条件时，向第二交互方发送已申请获取数据值的信息；第二服务方在接收到第二交互方发送的暂停命令后，响应该暂停解付命令，并在确认该数据凭证的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息，以通知第一交互方以及第二交互方，能够在第一交互方与第二交互方的数据交互发生异常时，阻止第一交互方从第二交互方的数据凭证中获取数据值，有效保证第二交互方的数据安全的风险问题。
请参阅图5，图5是本发明数据交互处理方法另一实施例的流程示意图。本实施例的执行主体为第二服务方。本实施例中的数据交互处理方法包括以下步骤：
S401：第二服务方接收第一服务方发送的第一交互方从第二交互方的数据单元中获取数据值的请求。
当第一交互方与第二交互方完成数据交互，第一交互方向第一服务方发送从第二交互方的数据单元中获取数据值的请求，第一服务方将该请求向第二服务方发送时，第二服务方接收第一服务方发送的第一交互方从第二交互方的数据单元中获取数据值的请求。其中，该请求至少包括请求获取的数据值。
其中，第一服务方管理第一交互方的数据单元的数据值，第二服务方管理第二交互方的数据单元的数据值。
S402：在确认所述请求满足从所述数据凭证获取数据值的条件时，向所述第二交互方发送已申请获取数据值的信息。
第二服务方在接收到第一服务方发送的请求后，调取第二交互方的数据凭证，在确认该请求满足从数据凭证获取数据值的条件时，向第二交互方发送已申请获取数据值的信息，以使第二交互方在接收到第二服务方发送的已申请获取数据值的信息并确定阻止第一交互方从数据凭证获取数据值时，能够向第二服务方发送暂停命令，以阻止第一交互方从数据凭证获取数据值。其中，该暂停命令至少包括暂停期限。
其中，该请求满足从数据凭证获取数据值的条件可以为：该请求所请求获取的数据值与数据交互对应的数据值相同，但并不限于此，还可以根据实际需要进行设置。
S403：响应所述第二交互方在接收到所述已申请获取数据值的信息后发送的暂停命令，在确认所述数据凭证的状态为未获取状态时，向所述第二交互方和所述第一服务方分别发送暂停获取所述数据凭证的数据值的信息。
当第二交互方在接收到已申请获取数据值的信息后向第二服务方发送暂停命令时，第二服务方接收第二交互方发送的暂停命令，响应该暂停命令，并在确认数据凭证的数据值的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息。
进一步地，当数据凭证的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息之后，当第二服务方接收到暂停获取数据凭证的数据值的信息时，向第三交互方发送请求信息；第三交互方响应该请求信息，向第二服务方发送相应的处理指令。其中，该请求信息包括为请求冻结或解冻数据凭证的数据值，或从数据值中获取数据值的信息，但并不限于此。第二服务方在接收到第三交互方发送的处理指令时，按照处理指令对数据凭证进行处理。相应的处理指令为冻结或解冻数据凭证的数据值，或从数据凭证中获取数据值，但并不限于此。
进一步地，当数据凭证的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息之后，第二服务方还可以确认是否接收到第三交互方发送的对该数据凭证的处理指令；当第二服务方未收到第三交互方发送的对该数据凭证的处理指令，且到达所述暂停命令对应的暂停时间时，获取数据凭证的数据值，并将数据值增加至目标数据单元，以供第一交互方获取。
上述方案，第二服务方在确认接收到第一交互方发送的从第二交互方的数据单元中获取数据值的请求满足从该数据凭证获取数据值的条件时，向第二交互方发送已申请获取数据值的信息；第二服务方在接收到第二交互方发送的暂停命令后，响应该暂停解付命令，并在确认该数据凭证的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息，以通知第一交互方以及第二交互方，能够在第一交互方与第二交互方的数据交互发生异常时，阻止第一交互方从第二交互方的数据凭证中获取数据值，有效保证第二交互方的数据安全的风险问题。
请参阅图6，图6是本发明数据交互处理系统一实施例的结构示意图。本实施例中的数据交互处理系统包括第一交互方、第二交互方、第一服务方、第二服务方以及第三交互方。本实施例中的数据交互处理系统包括的各交互方以及服务方用于执行图4以及图4对应的实施例中的各步骤，具体请参阅图4以及图4对应的实施例，此处不赘述。
第一交互方用于向第一服务方发送从第二交互方的数据单元中获取数据值的请求；其中，请求至少包括请求获取的数据值。
第一服务方用于将接收到的请求信息发送至第二服务方。
第二服务方用于在确认所述请求满足从所述数据凭证获取数据值的条件时，向所述第二交互方发送已申请获取数据值的信息。
第二交互方用于在接收到已申请获取数据值的信息后向第二服务方发送暂停命令；其中，暂停命令至少包括暂停期限。
第二服务方还用于响应第二交互方发送的暂停命令并在确认数据凭证的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息。
上述方案，第二服务方在确认接收到第一交互方发送的从第二交互方的数据单元中获取数据值的请求满足从该数据凭证获取数据值的条件时，向第二交互方发送已申请获取数据值的信息；第二服务方在接收到第二交互方发送的暂停命令后，响应该暂停解付命令，并在确认该数据凭证的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息，以通知第一交互方以及第二交互方，能够在第一交互方与第二交互方的数据交互发生异常时，阻止第一交互方从第二交互方的数据凭证中获取数据值，有效保证第二交互方的数据安全的风险问题。
请参阅图7，图7是本发明数据交互处理装置一实施例的结构示意图。本实施例中的数据交互处理装置包括的各模块用于执行图5以及图5对应的实施例中的各步骤，具体请参阅图5以及图5对应的实施例，此处不赘述。本实施中的数据交互处理装置700包括接收模块710、校处理模块720以及发送模块730。
接收模块710用于用于接收第一服务方发送的第一交互方从第二交互方的数据单元中获取数据值的请求；其中，请求至少包括请求获取的数据值。
处理模块730用于确认接收模块710接收的请求是否满足从数据凭证获取数据值的条件，以及用于响应第二交互方在接收到已申请获取数据值的信息后发送的暂停命令，并确认数据凭证的状态是否为未获取状态；其中，暂停命令是第二交互方在接收到已申请获取数据值的信息后向第二服务方发送的。
发送模块730用于在处理模块720在确认接收模块710接收的请求满足从数据凭证获取数据值的条件时，向第二交互方发送已申请获取数据值的信息；以及用于在处理模块720确认数据凭证的状态为未获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息。
其中，第一服务方管理第一交互方的数据单元的数据值，第二服务方管理第二交互方的数据单元的数据值。
上述方案，数据交互处理装置在确认接收到第一交互方发送的从第二交互方的数据单元中获取数据值的请求满足从该数据凭证获取数据值的条件时，向第二交互方发送已申请获取数据值的信息；数据交互处理装置在接收到第二交互方发送的暂停命令后，响应该暂停解付命令，并在确认该数据凭证的状态为未被获取状态时，向第二交互方和第一服务方分别发送暂停获取数据凭证的数据值的信息，以通知第一交互方以及第二交互方，能够在第一交互方与第二交互方的数据交互发生异常时，阻止第一交互方从第二交互方的数据凭证中获取数据值，有效保证第二交互方的数据安全的风险问题。
以上所述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. 一种线上资金管理方法，其特征在于，所述方法包括：
    第一参与方向第一资金管理服务器发送解付第二参与方的电子凭证的请求；
    所述第一资金管理服务器发送所述解付请求至第二资金管理服务器；
    所述第二资金管理服务器在确认所述解付请求满足解付所述电子凭证的条件时，向所述第二参与方发送已申请解付的信息；
    所述第二参与方在接收到所述已申请解付的信息时向所述第二资金管理服务器发送暂停解付命令；其中，所述暂停解付命令至少包括暂停解付期限；
    所述第二资金管理服务器响应所述暂停解付命令并在确认所述电子凭证的资金尚未解付时，向所述第二参与方和所述第一资金管理服务器分别发送暂停解付所述电子凭证资金的信息；
    其中，所述第一资金管理服务器为所述第一参与方的账户管理服务器，所述第二资金管理服务器为所述第二参与方的账户管理服务器。
  2. 根据权利要求1所述的线上资金管理方法，其特征在于，所述第
    二资金管理服务器响应所述暂停解付命令并在确认所述电子凭证的资金尚未解付时，向所述第二参与方和所述第一资金管理服务器分别发送暂停解付所述电子凭证资金的信息的步骤之后，所述方法还包括：
    所述第一资金管理服务器将所述暂停解付所述电子凭证资金的信息发送至所述第一参与方；
    所述第二资金管理服务器确认是否接收到第三参与方发送的对所述电子凭证的处理指令；
    当所述第二资金管理服务器接收到第三参与方发送的所述处理指令时，根据第三参与方发送的所述处理指令对所述电子凭证进行相应的处理；其中，所述处理指令可以为冻结、扣划或者解冻指令；
    当所述第二资金管理服务器未接收到第三参与方发送的所述处理指令，且确认到达所述暂停解付期限时，解付所述电子凭证资金至一中间账户。
  3. 根据权利要求1所述的线上资金管理方法，其特征在于，所述第一资金管理服务器以及所述第二资金管理服务器为同一个资金管理服务器。
  4. 根据权利要求1所述的线上资金管理方法，其特征在于，所述第一资金管理服务器为第一银行的资金管理服务器，所述第二资金管理服务器为第二银行的资金管理服务器。
  5. 根据权利要求1所述的线上资金管理方法，其特征在于，所述第三参与方为第三方机构，所述第三方机构至少为公安机关、检察院、法院、海关、税务中的任意一个。
  6. 一种线上资金管理方法，其特征在于，所述方法包括：
    第二资金管理服务器接收第一资金管理服务器发送的第一参与方请求解付第二参与方的电子凭证的信息；
    在确认所述请求满足解付所述电子凭证的条件时，向所述第二参与方发送已申请解付的信息；
    接收第二参与方在接收到所述已申请解付的信息后发送的暂停解付命令，响应所述暂停解付命令并在确认所述电子凭证的资金尚未解付时，向所述第二参与方和所述第一资金管理服务器分别发送暂停解付所述电子凭证资金的信息；其中，所述暂停解付命令至少包括暂停解付期限；
    其中，所述第一资金管理服务器为所述第一参与方的账户管理服务器，所述第二资金管理服务器为所述第二参与方的账户管理服务器。
  7. 一种数据交互处理方法，其特征在于，所述方法包括：
    第一交互方向第一服务方发送从第二交互方的数据单元中获取数据值的请求；其中，所述请求至少包括请求获取的数据值；
    所述第一服务方将接收到的请求信息发送至第二服务方；
    所述第二服务方在确认所述请求满足从所述数据凭证获取数据值的条件时，向所述第二交互方发送已申请获取数据值的信息；
    所述第二交互方在接收到所述已申请获取数据值的信息后向所述第二服务方发送暂停命令；其中，所述暂停命令至少包括暂停期限；
    所述第二服务方响应所述暂停命令并在确认所述数据凭证的状态为未被获取状态时，向所述第二交互方和所述第一服务方分别发送暂停获取所述数据凭证的数据值的信息；
    其中，所述第一服务方管理所述第一交互方的数据单元的数据值，所述第二服务方管理所述第二交互方的数据单元的数据值。
  8. 根据权利要求7所述的数据交互处理方法，其特征在于，当所述数据凭证的状态为未被获取状态时，向所述第二交互方和所述第一服务方分别发送暂停获取所述数据凭证的数据值的信息的步骤之后，所述方法还包括：
    所述第二服务方确认是否接收到第三交互方发送的对所述数据凭证的处理指令；
    当所述第二服务方收到所述第三交互方发送的所述数据凭证处理指令，则按照所述处理指令对所述数据凭证进行处理；其中，所述处理指令为冻结或解冻所述数据凭证的数据值，或从所述数据凭证中获取数据值；
    当所述第二服务方未收到所述第三交互方发送的对所述数据凭证处理指令，且到达所述暂停命令对应的暂停时间时，获取所述数据凭证的数据值，并将所述数据值增加至目标数据单元。
  9. 一种数据交互处理方法，其特征在于，所述方法包括：
    第二服务方接收第一服务方发送的第一交互方从第二交互方的数据单元中获取数据值的请求；其中，所述请求至少包括请求获取的数据值；
    在确认所述请求满足从所述数据凭证获取数据值的条件时，向所述第二交互方发送已申请获取数据值的信息；
    响应所述第二交互方在接收到所述已申请获取数据值的信息后发送的暂停命令，在确认所述数据凭证的状态为未获取状态时，向所述第二交互方和所述第一服务方分别发送暂停获取所述数据凭证的数据值的信息；
    其中，所述暂停命令包括暂停期限；所述第一服务方管理所述第一交互方的数据单元的数据值，所述第二服务方管理所述第二交互方的数据单元的数据值。
  10. 一种数据交互处理装置，其特征在于，所述装置包括：
    接收模块，用于接收第一服务方发送的第一交互方从第二交互方的数据单元中获取数据值的请求；其中，所述请求至少包括请求获取的数据值；
    处理模块，用于确认所述请求是否满足从所述数据凭证获取数据值的条件，以及用于响应所述第二交互方在接收到所述已申请获取数据值的信息后发送的暂停命令，并确认所述数据凭证的状态是否为未获取状态；
    发送模块，用于在所述处理模块在确认所述请求满足从所述数据凭证获取数据值的条件时，向所述第二交互方发送已申请获取数据值的信息；以及用于在所述处理模块确认所述数据凭证的状态为未获取状态时，向所述第二交互方和所述第一服务方分别发送暂停获取所述数据凭证的数据值的信息；
    其中，所述第一服务方管理所述第一交互方的数据单元的数据值，所述第二服务方管理所述第二交互方的数据单元的数据值。
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