WO2017012000A1 - 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
WO2017012000A1
WO2017012000A1 PCT/CN2015/084567 CN2015084567W WO2017012000A1 WO 2017012000 A1 WO2017012000 A1 WO 2017012000A1 CN 2015084567 W CN2015084567 W CN 2015084567W WO 2017012000 A1 WO2017012000 A1 WO 2017012000A1
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WO
WIPO (PCT)
Prior art keywords
party
data
frozen
funds
participant
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PCT/CN2015/084567
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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/CN2015/084567 priority Critical patent/WO2017012000A1/zh
Priority to CA2993032A priority patent/CA2993032C/en
Publication of WO2017012000A1 publication Critical patent/WO2017012000A1/zh

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    • 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

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 paying party customer or the payer when the goods are not received, the funds have been paid to the third-party payment company, and once the third-party payment company has problems, the payer's customer or The funds of the payer are not guaranteed. Therefore, in the form of a third-party payment company guarantee, the funds of the paying party customer or the payer still have a greater risk.
  • the third-party company cannot intervene and prevent it in a timely and effective manner, and the commodity provider cannot obtain the funds for selling the commodity.
  • the paying party customer or the payer may not be able to properly pay the commodity provider the amount corresponding to the purchased product due to a civil economic dispute.
  • the object of the present invention is to provide an online fund management method, a data interaction processing method, device and system, which can effectively ensure normal payment to a commodity/service provider when an abnormality occurs in the payment flow of the payer.
  • the first technical solution adopted by the present invention is to provide an online fund management method, the method comprising: the first participant receiving at least part of the funds of the first participant's electronic voucher quota a notification that is frozen by the second participant; wherein the notification includes at least a frozen amount of funds; the first participation direction sends a request for replenishing funds to the target account of the first participant to the first fund management server;
  • the target account is an account in which the frozen funds are opened when the electronic voucher is opened;
  • the first fund management server responds to the request and confirms whether the funds of the target account are not less than a frozen by the second participant The amount of funds; when the funds of the target account are not less than the amount of funds frozen by the second party, the funds with the same amount of funds frozen by the second party are frozen to update the electronic voucher information, and Transmitting the updated electronic voucher information to a second fund management server; wherein the electronic voucher information includes at least an update
  • the second fund management server sends the received electronic voucher information to the third party; the third party obtains
  • the second technical solution adopted by the present invention is to provide an online fund management method, the method comprising: receiving, by the first fund management server, the first participant to send to the first participant a request for replenishing funds of the target account; wherein the request is that the first participant receives at least part of the electronic voucher amount of the first participant sent by the second participant to be frozen by the second participant
  • the target account is an account in which the funds frozen when the electronic certificate is opened;
  • the electronic voucher information includes at least an updated fund amount
  • the first fund management server is an account management server of the first participant
  • the second fund management server is an account of the third participant. Management server.
  • the first participant when the first participant's capital flow is abnormal, and the first participant's electronic voucher quota is received, the first participant passes the notification to the first fund management server.
  • the target account corresponding to the first party's electronic voucher is not less than the frozen fund activation electronic voucher, and the electronic voucher information is notified to the third party through the third party's fund management server to perform network payment through the electronic voucher.
  • the electronic voucher can be reactivated when the flow of funds of the first participant is abnormal, so that the electronic voucher is re-circulated for use, providing convenience for the first participant.
  • the third technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: receiving, by a first interaction party, at least part of a data value of a data credential of the first interaction party is a notification of the second interaction party freezing; wherein the notification includes at least a frozen data value; the first interaction direction sends a request to the first interaction party to add a data value to the target data unit of the first interaction party; The target data unit corresponds to the data credential; the first serving party responds to the request and confirms whether the data value of the target data unit is not less than a data value frozen by the second interacting party; When the data value of the target data unit is not less than the data value frozen by the second interaction party, the data value of the same size as the data value frozen by the second interaction party is frozen to update the data credential information.
  • the data credential information includes at least the updated data value
  • the second service And sending, by the third party, the data credential information to the third interacting party; the third interacting party acquiring the data credential information; wherein the first serving party serves the first interacting party, and manages the a data value of a data unit of the first interacting party, the second serving party serving the third interacting party, and managing a data value of the data unit of the third interacting party.
  • the fourth technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: receiving, by a first service party, a target sent by the first interaction party to the first interaction party a request for the data unit to increase the data value; wherein the request is sent by the first interacting party after receiving the notification that at least part of the data value of the data credential of the first interacting party is frozen by the second interacting party,
  • the notification includes at least a frozen data value; responding to the request and confirming whether the data value of the target data unit is not less than a data value frozen by the second interaction party; when the data value of the target data unit is not less than
  • the data value frozen by the second interacting party freezes the data value of the same size as the data value frozen by the second interacting party to update the data credential information, and the updated data credential
  • the information is sent to the second server; wherein the data credential information includes at least the updated data value.
  • 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 target sent by the first interaction party to the first interaction party. a request for the data unit to increase the data value; wherein the request is sent by the first interacting party after receiving the notification that at least part of the data value of the data credential of the first interacting party is frozen by the second interacting party,
  • the notification includes at least a frozen data value;
  • a determining module responsive to the request and confirming whether the data value of the target data unit is not less than a data value frozen by the second interacting party;
  • the processing module is configured to Determining, by the determining module, freezing, when the data value of the target data unit is not less than the data value frozen by the second interaction party, freezing the data value that is the same as the data value frozen by the second interaction party, And updating the data credential information; wherein the data credential information includes at least an updated data value; and a sending module, configured to: update the data
  • the first interacting party passes the first to the first serving party.
  • the target data unit corresponding to the data credential of the interacting party is added not less than the data value frozen by the second interacting party to update the information of the data credential, and the information of the updated data credential is sent to the third by the second serving party.
  • the interacting party can update the information of the data credential of the first interacting party when the data flow of the first interacting party is abnormal, notify the third interacting party in time, and effectively avoid the risk of data security of the third interacting 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 participant receives a notification that at least part of the funds of the first participant's electronic voucher amount is frozen by the second participant.
  • the capital flow of the first participant account is abnormal (for example, when the first participant is involved in a civil economic dispute)
  • the second participant intervenes to process the frozen first party. At least part of the funds in the electronic voucher quota and notify the first party.
  • the first participant receives the notification that at least part of the funds of the first participant's electronic voucher amount sent by the second participant is frozen by the second participant.
  • the notification includes at least a frozen fund amount
  • the first fund management server is an account management server of the first participant.
  • the first party is a third party institution, and the third party institution has the authority to freeze funds.
  • the third party institution is at least one of the public security organs, the procuratorate, the court, the security agency, the military security department, the prison security department, the customs, and the tax, but it is not limited to this, and may also be other institutions with the authority to freeze funds. There are no restrictions here.
  • the electronic voucher involved in the embodiment of the present invention may be referred to as a “silver letter certificate”.
  • the bank credit certificate is an electronic credit commitment payment voucher that the fund management institution freezes the applicant's funds or the credit line according to the application of the applicant (the first party) and opens the bank in the name of the bank, and promises to settle according to the agreed conditions.
  • the electronic voucher information includes at least the amount of funds.
  • the first participation direction first fund management server sends a request for replenishing funds to the target account of the first participant.
  • the first participant After receiving the notification sent by the second participant, the first participant sends a request to the first fund management server to replenish the target account of the first party to the target of the first party in the first fund management server.
  • Account replenishment funds is the account where the funds frozen when the electronic voucher is opened.
  • the first fund management server responds to the request and confirms whether the funds of the target account are not less than a fund amount frozen by the second participant.
  • the first fund management server After receiving the request for replenishing funds to the target account of the first participant and replenishing funds sent by the first participant, the first fund management server responds to the request and invokes the electronic credentials of the first participant and the funds of the target account.
  • the information is used to obtain the credit information of the electronic voucher and the fund information of the target account, and confirm whether the funds in the target account that are not frozen by the second party are not less than the amount of funds frozen by the second party.
  • the funds in the target account that are not frozen by the second party may be the funds supplemented by the first party, or may be the sum of the funds supplemented by the first party and the funds not frozen by the second party in the electronic certificate. .
  • step S104 is performed.
  • the notification information of the insufficient funds of the target account may also be sent to the first participant.
  • S104 when the funds of the target account are not less than the amount of funds frozen by the second party, the funds with the same amount of funds frozen by the second party are frozen to update the electronic voucher information, and the information is updated.
  • the electronic voucher information is sent to the second fund management server.
  • the first fund management server determines that the funds in the target account that are not frozen by the second party are not less than the amount of funds frozen by the second party, the funds with the same amount of funds frozen by the second party are frozen, and the electronic The status of the voucher is restored to the state before being frozen by the second participant and the electronic voucher information is updated, and the updated electronic voucher information is transmitted to the second fund management server.
  • the electronic voucher information includes at least the updated amount of funds.
  • the second fund management server is an account management server of the third party.
  • the first fund management server freezes the funds of the same amount of funds frozen by the second participant from the funds supplemented by the first participant.
  • the notification information of the success of the state change may also be sent to the first participant to notify The status of the first party currently the electronic voucher.
  • 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 funds frozen by the second participant are the first participant in the first fund management server.
  • the deposit, or the first fund management server gives the credit amount of the first party, or the funds corresponding to the real property mortgaged by the first 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 party is a third party institution, and the third party institution has the authority to freeze funds.
  • the third party institution is at least one of the public security organs, the procuratorate, the court, the security agency, the military security department, the prison security department, the customs, and the tax, but it is not limited to this, and may also be other institutions with the authority to freeze funds. There are no restrictions.
  • the second fund management server sends the received electronic voucher information to a third party.
  • the second fund management server sends the received electronic voucher information sent by the first fund management server to the third party.
  • the electronic voucher information is updated electronic voucher information.
  • the third party After obtaining the electronic voucher information sent by the second fund management server, the third party confirms whether to continue the transaction with the second party.
  • the third party when the third party obtains the amount of funds in the electronic voucher of the second participant that is less than the amount corresponding to the goods/services purchased by the second party, the third party refuses to continue the transaction with the second party.
  • the third party may not ship the second party or recall the goods that have already been issued.
  • the first party passes the notification to the first fund management server.
  • the target account corresponding to the first party's electronic voucher is not less than the frozen fund activation electronic voucher, and the electronic voucher information is notified to the third party through the third party's fund management server to perform network payment through the electronic voucher.
  • the electronic voucher can be reactivated when the flow of funds of the first participant is abnormal, so that the electronic voucher is re-circulated for use, providing convenience for the first participant.
  • 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 first fund management server receives a request sent by the first participant to replenish funds to the target account of the first participant.
  • the capital flow of the first participant account is abnormal (for example, when the first participant is involved in a civil economic dispute)
  • the second participant intervenes to process the frozen first party. At least part of the funds in the electronic voucher quota and notify the first party.
  • the first fund management server receives a request from the first party to replenish funds to the target account of the first party.
  • the request is sent by the first participant when receiving the notification that at least part of the funds of the first participant's electronic voucher sent by the second participant is frozen by the second participant, and the target account is to open the electronic voucher.
  • the electronic voucher involved in the embodiment of the present invention may be referred to as a "silver certificate.”
  • the bank credit certificate is an electronic credit commitment payment voucher that the fund management institution freezes the applicant's funds or the credit line according to the application of the applicant (the first party) and opens the bank in the name of the bank, and promises to settle according to the agreed conditions.
  • the electronic voucher information includes at least the amount of funds.
  • S202 Respond to the request and confirm whether the funds of the target account are not less than the amount of funds frozen by the second participant.
  • the first fund management server After receiving the request for replenishing funds to the target account of the first participant and replenishing funds sent by the first participant, the first fund management server responds to the request and invokes the electronic credentials of the first participant and the funds of the target account.
  • the information is used to obtain the credit information of the electronic voucher and the fund information of the target account, and confirm whether the funds in the target account that are not frozen by the second party are not less than the amount of funds frozen by the second party.
  • the funds in the target account that are not frozen by the second party may be the funds supplemented by the first party, or may be the sum of the funds supplemented by the first party and the funds not frozen by the second party in the electronic certificate. .
  • step S203 is performed.
  • the notification information of the insufficient funds of the target account may also be sent to the first participant.
  • the first fund management server determines that the funds in the target account that are not frozen by the second party are not less than the amount of funds frozen by the second party, the funds with the same amount of funds frozen by the second party are frozen, and the electronic The status of the voucher is restored to the state before being frozen by the second participant and the electronic voucher information is updated, and the updated electronic voucher information is sent to the second fund management server, so that the second fund management server will receive the first fund management server.
  • the sent electronic voucher information is sent to the third party, so that the third party confirms whether to conduct the transaction with the second party when obtaining the electronic voucher information.
  • the electronic voucher information includes at least an updated amount of funds.
  • the second fund management server is an account management server of the third party.
  • the first fund management server freezes the funds of the same amount of funds frozen by the second participant from the funds supplemented by the first participant.
  • the notification information of the success of the state change may also be sent to the first participant to notify The status of the first party currently the electronic voucher.
  • 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 funds frozen by the second participant are the first participant in the first fund management server.
  • the deposit, or the first fund management server gives the credit amount of the first party, or the funds corresponding to the real property mortgaged by the first 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 party is a third party institution, and the third party institution has the authority to freeze funds.
  • the third party institution is at least one of the public security organs, the procuratorate, the court, the security agency, the military security department, the prison security department, the customs, and the tax, but it is not limited to this, and may also be other institutions with the authority to freeze funds. There are no restrictions.
  • the first fund management server when the first participant's capital flow is abnormal, and the first fund management server receives the notification that at least part of the funds of the first participant is frozen by the second participant, the first fund management server confirms receipt of the first participation.
  • the electronic voucher is activated, and the electronic voucher information is notified to the third party through the third party's fund management server.
  • the participant can use the electronic voucher to perform network payment, and can reactivate the electronic voucher when the first participant's capital flow is abnormal, so that the electronic voucher is re-circulated and used to provide convenience for the first participant.
  • 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 party receives the notification that at least part of the data value of the data credentials of the first interaction party is frozen by the second interaction party.
  • the first interaction party When the first interaction party performs data interaction with the third interaction party, and the data unit of the first interaction party is abnormal, the first interaction party receives at least part of the data value of the data identifier of the first interaction party and is frozen by the second interaction party. Notice. Wherein, the notification includes at least a frozen data value.
  • the first interaction direction first serving party sends a request for adding a data value to the target data unit of the first interaction party.
  • the target data unit corresponds to the data certificate.
  • the first serving party responds to the request and confirms whether the data value of the target data unit is not less than a data value frozen by the second interaction party.
  • the data vouchers of the first interacting party and the target data unit are invoked in response to the request.
  • the data value is obtained to obtain the data value of the target data unit, and it is confirmed whether the data value in the target data unit that is not frozen by the second interaction party is not less than the data value frozen by the second interaction party.
  • step S304 is performed.
  • the first interaction party is notified to continue to add the data value to the target data unit.
  • the data value of the target data unit that is not frozen by the second interaction party is greater than or equal to the data value frozen by the second interaction party
  • the data value of the same size as the data value frozen by the second interaction party is frozen to update the data certificate.
  • the data credential information includes at least the updated data value.
  • S305 The second server sends the received data credential information to the third interacting party.
  • the second server sends the received data credential information to the third interacting party.
  • S306 The third interaction party obtains the data credential information.
  • the third interacting party obtains the data credential information sent by the second servant, thereby confirming whether to continue interacting with the second interacting party.
  • the first interaction party is user A
  • user A corresponds to the first service party
  • the second interaction party is user B
  • the third interaction party is for C
  • user C corresponds to the second service party.
  • User A is the administrator of multiple clients and has a corresponding password for each client to perform administrator privileges.
  • User B 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 first service party applies for the data credential of the user A through the second service, and when the data flow of the user A is abnormal, the user B with the higher management authority intervenes. management.
  • the user B freezes the password of the management authority of at least part of the client of the user A data unit, and the user A sends a request to the first service party to increase the password of the management authority of at least part of the client of the user A data unit.
  • the first servant freezes the management authority of the client frozen by the user B when the number of passwords for confirming the management authority of all the clients in the user A data unit is not less than the number of passwords of the management authority of the client frozen by the user B.
  • the number of passwords is the same as the password of the client's administrative rights, and the information of user A's data credentials is updated.
  • the data credential of user A corresponds to the data unit.
  • the updated information of the data credential of the user A includes at least the number of passwords of the management authority of the client frozen by the first service party.
  • the first server sends the information of the updated data credential of the user A to the second server, so that the second server notifies the user C of the change information, so that the user C obtains the change information of the data credential of the user A.
  • the first server sends the information of the updated data credential of the user A to the second server, so that the second server notifies the user C of the change information, so that the user C obtains the change information of the data credential of the user A.
  • the password of the management right of the client 2 cannot be obtained, the data interaction with the user A is suspended.
  • the user B has higher management rights than the user A.
  • the user B performs risk control on the data interaction between the user A and the user C, thereby preventing the user C from obtaining 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 second interaction party is a third party authority (for example, the court, customs, tax agency, the first interacting party is the buyer, the third interacting party is the seller, the first servant is the first fund management server, and the second servant is the second fund management server, for example, the 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 first interacting party passes the first to the first serving party.
  • the target data unit corresponding to the data credential of the interacting party is added not less than the data value frozen by the second interacting party to update the information of the data credential, and the information of the updated data credential is sent to the third by the second serving party.
  • the interaction party can update the information of the data voucher of the first interaction party when the data flow of the first interaction party is abnormal, notify the third interaction party in time, and effectively avoid the risk of data security of the third 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 first service party.
  • the data interaction processing method in this embodiment includes the following steps:
  • the first servant receives a request sent by the first interaction party to add a data value to the target data unit of the first interaction party.
  • the request is sent by the first interacting party after receiving the notification that at least part of the data value of the data credential of the first interacting party is frozen by the second interacting party, the notification includes at least frozen data.
  • the first interaction direction sends the first service party to receive the data identifier of the first interaction party, and at least part of the data value is second.
  • the interaction party freezes the notification
  • the first service party receives a request sent by the first interaction party to send the first service party a data value to the target data unit of the first interaction party.
  • the notification includes at least a frozen data value.
  • S402 Respond to the request and confirm whether the data value of the target data unit is not less than a data value frozen by the second interaction party.
  • the data vouchers of the first interacting party and the target data unit are invoked in response to the request.
  • the data value is obtained to obtain the data value of the target data unit, and it is confirmed whether the data value in the target data unit that is not frozen by the second interaction party is not less than the data value frozen by the second interaction party.
  • step S304 is performed.
  • the first interaction party is notified to continue to add the data value to the target data unit.
  • S403 when the data value of the target data unit is not less than the data value frozen by the second interaction party, freeze the data value of the same size as the data value frozen by the second interaction party, to update the location. Determining the data credential information, and transmitting the updated data credential information to the second server; wherein the data credential information includes at least the updated data value.
  • the data value of the target data unit that is not frozen by the second interaction party is greater than or equal to the data value frozen by the second interaction party
  • the data value of the same size as the data value frozen by the second interaction party is frozen to update the data certificate.
  • the data credential information includes at least the updated data value.
  • the first serving party updates the information of the data credential when confirming that the data value of the target data unit is not less than the data value frozen by the second interacting party, and passes the second
  • the service party sends the information of the updated data voucher to the third interaction party, and can update the information of the data voucher of the first interaction party when the data flow of the first interaction party is abnormal, and notify the third interaction party in time to effectively avoid the first The risk of data security for the three interacting parties.
  • 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 interacting party is configured to receive a notification that at least part of the data value of the data credential of the first interacting party is frozen by the second interacting party, and to send the target data unit to the first interacting party to the first interacting party A request to increase a data value; wherein the notification includes at least a frozen data value, the target data unit corresponding to the data credential.
  • the first server is configured to respond to the request and confirm whether the data value of the target data unit is not less than the data value frozen by the second interaction party; when the data value of the target data unit is not less than the data value frozen by the second interaction party, Freezing the data value of the same size as the data value frozen by the second interacting party to update the data credential information, and transmitting the updated data credential information to the second server; wherein the data credential information includes at least the updated data value.
  • the second servant is configured to send the received data credential information to the third interacting party.
  • the third interacting party is used to obtain data credential information.
  • the first interacting party passes the first to the first serving party.
  • the target data unit corresponding to the data credential of the interacting party is added not less than the data value frozen by the second interacting party to update the information of the data credential, and the information of the updated data credential is sent to the third by the second serving party.
  • the interaction party can update the information of the data voucher of the first interaction party when the data flow of the first interaction party is abnormal, notify the third interaction party in time, and effectively avoid the risk of data security of the third 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 determining module 720, a processing module 730, and an generating module 740.
  • the receiving module 710 is configured to receive a request that the first interacting party sends a data value to the target data unit of the first interacting party, where the request is that the first interacting party receives the data credential of the first interacting party.
  • the notification is sent after at least part of the data value is frozen by the second interaction party, and the notification includes at least the frozen data value.
  • the determining module 720 is configured to respond to the request and confirm whether the data value of the target data unit is not less than a data value frozen by the second interacting party.
  • the processing module 730 is configured to, at the determining module 720, determine that when the data value of the target data unit is not less than the data value frozen by the second interaction party, the data value of the same size as the data value frozen by the second interaction party is frozen to update the data.
  • Voucher information wherein the data voucher information includes at least the updated data value.
  • the sending module 740 is configured to send the updated data credential information to the second servant.
  • the first serving party updates the information of the data credential when confirming that the data value of the target data unit is not less than the data value frozen by the second interacting party, and passes the second
  • the service party sends the information of the updated data voucher to the third interaction party, and can update the information of the data voucher of the first interaction party when the data flow of the first interaction party is abnormal, and notify the third interaction party in time to effectively avoid the first The risk of data security for the three interacting parties.

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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：第一参与方接收第一参与方的电子凭证额度中至少部分资金被第二参与方冻结的通知，向第一资金管理服务器发送向第一参与方的目标账户补充资金的请求；第一资金管理服务器响应该请求，在确认目标账户的资金不小于被第二参与方冻结的资金额度时，冻结与第二参与方冻结的资金额度相同的资金以更新电子凭证信息，并将更新的电子凭证信息发送至第二资金管理服务器；第二资金管理服务器将接收到的电子凭证信息发送至第三参与方；第三参与方获得电子凭证信息。通过上述方式，本发明能够有效激活电子凭证，有效避免第三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，而导致商品提供方无法获得该出售该商品的资金。例如，付款方客户或付款方因陷入民事经济纠纷等，而无法正常向商品提供方支付所购买的商品对应的金额。
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，能够在支付方的资金流转出现异常时，有效保证向商品/服务提供方实现正常支付。
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：第一参与方接收所述第一参与方的电子凭证额度中至少部分资金被第二参与方冻结的通知；其中，所述通知至少包括被冻结的资金额度；所述第一参与方向第一资金管理服务器发送向所述第一参与方的目标账户补充资金的请求；其中，所述目标账户为开立所述电子凭证时冻结的资金所在的账户；所述第一资金管理服务器响应所述请求并确认所述目标账户的资金是否不小于被所述第二参与方冻结的资金额度；当所述目标账户的资金不小于被所述第二参与方冻结的资金额度时，冻结与所述第二参与方冻结的资金额度相同的资金以更新所述电子凭证信息，并将更新的所述电子凭证信息发送至第二资金管理服务器；其中，所述电子凭证信息至少包括更新后的资金额度；所述第二资金管理服务器将接收到的所述电子凭证信息发送至第三参与方；所述第三参与方获得所述电子凭证信息；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三参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：第一资金管理服务器接收第一参与方发送的向所述第一参与方的目标账户补充资金的请求；其中，所述请求是所述第一参与方在接收到第二参与方发送的所述第一参与方的电子凭证额度中至少部分资金被第二参与方冻结的通知时发送的，所述目标账户为开立所述电子凭证时冻结的资金所在的账户；
响应所述请求并确认所述目标账户的资金是否不小于被所述第二参与方冻结的资金额度；
当所述目标账户的资金不小于被所述第二参与方冻结的资金额度时，冻结与所述第二参与方冻结的资金额度相同的资金以更新所述电子凭证信息，并将更新的所述电子凭证信息发送至第二资金管理服务器；
其中，所述电子凭证信息至少包括更新后的资金额度，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三参与方的账户管理服务器。
以上方案，当第一参与方的资金流转出现异常，接收到第一参与方的电子凭证额度中至少部分资金被第二参与方冻结的通知时，第一参与方通过向第一资金管理服务器中第一参与方的电子凭证对应的目标账户补充不小于被冻结的资金激活电子凭证，并将电子凭证信息通过第三参与方的资金管理服务器通知第三参与方，以通过该电子凭证进行网络支付，能够在第一参与方的资金流转异常时，重新激活电子凭证，使得该电子凭证重新流转使用，为第一参与方提供便利。
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：第一交互方接收所述第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知；其中，所述通知至少包括被冻结的数据值；所述第一交互方向第一服务方发送向所述第一交互方的目标数据单元增加数据值的请求；其中，所述目标数据单元与所述数据凭证对应；所述第一服务方响应所述请求并确认所述目标数据单元的数据值是否不小于被所述第二交互方冻结的数据值；当所述目标数据单元的数据值不小于被所述第二交互方冻结的数据值时，冻结与所述被所述第二交互方冻结的数据值大小相同的数据值，以更新所述数据凭证信息，并将更新的所述数据凭证信息发送至第二服务方；其中，所述数据凭证信息至少包括更新后的数据值；所述第二服务方将接收到的所述数据凭证信息发送至第三交互方；所述第三交互方获取所述数据凭证信息；其中，所述第一服务方为所述第一交互方服务，管理所述第一交互方的数据单元的数据值，所述第二服务方为所述第三交互方服务，管理所述第三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：第一服务方接收第一交互方发送的向所述第一交互方的目标数据单元增加数据值的请求；其中，所述请求是所述第一交互方在接收到所述第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知后发送的，所述通知至少包括被冻结的数据值；响应所述请求并确认所述目标数据单元的数据值是否不小于被所述第二交互方冻结的数据值；当所述目标数据单元的数据值不小于被所述第二交互方冻结的数据值时，冻结与所述被所述第二交互方冻结的数据值大小相同的数据值，以更新所述数据凭证信息，并将更新的所述数据凭证信息发送至第二服务方；其中，所述数据凭证信息至少包括更新后的数据值。
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，用于接收第一交互方发送的向所述第一交互方的目标数据单元增加数据值的请求；其中，所述请求是所述第一交互方在接收到所述第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知后发送的，所述通知至少包括被冻结的数据值；确定模块，用于响应所述请求并确认所述目标数据单元的数据值是否不小于被所述第二交互方冻结的数据值；处理模块，用于在所述确定模块确定当所述目标数据单元的数据值不小于被所述第二交互方冻结的数据值时，冻结与所述被所述第二交互方冻结的数据值大小相同的数据值，以更新所述数据凭证信息；其中，所述数据凭证信息至少包括更新后的数据值；发送模块，用于将更新的所述数据凭证信息发送至第二服务方。
上述方案，当第一交互方的数据流转出现异常，接收到第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知时，第一交互方通过向第一服务方中第一交互方的数据凭证对应的目标数据单元增加不小于被第二交互方冻结的数据值，以更新该数据凭证的信息，并通过第二服务方将更新后的数据凭证的信息发送至第三交互方，能够在第一交互方的数据流转出现异常时，更新第一交互方的数据凭证的信息，及时通知第三交互方，有效避免第三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：第一参与方接收所述第一参与方的电子凭证额度中至少部分资金被第二参与方冻结的通知。
当第一参与方向第三参与方购买商品/服务，第一参与方账户的资金流转发生异常（例如，第一参与方陷入民事经济纠纷）时，第二参与方介入处理，冻结第一参与方的电子凭证额度中至少部分资金，并通知第一参与方。
第一参与方接收第二参与方发送的第一参与方的电子凭证额度中至少部分资金被第二参与方冻结的通知。其中，该通知至少包括被冻结的资金额度，第一资金管理服务器为第一参与方的账户管理服务器。
进一步地，第一参与方为第三方机构，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，但并不限与此，还可以为其他具有冻结资金的权限的机构，此处不作限制。
其中，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（第一参与方）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。电子凭证信息至少包括资金额度。
S102：所述第一参与方向第一资金管理服务器发送向所述第一参与方的目标账户补充资金的请求。
第一参与方在接收到第二参与方发送的通知后，向第一资金管理服务器发送向第一参与方的目标账户补充资金的请求，以向第一资金管理服务器中第一参与方的目标账户补充资金。其中，该目标账户为开立电子凭证时冻结的资金所在的账户。
S103：所述第一资金管理服务器响应所述请求并确认所述目标账户的资金是否不小于被所述第二参与方冻结的资金额度。
第一资金管理服务器在接收到第一参与方发送的向所述第一参与方的目标账户补充资金的请求以及补充资金后，响应该请求并调用第一参与方的电子凭证及目标账户的资金信息，以获取电子凭证的额度信息以及目标账户的资金信息，确认目标账户中未被第二参与方冻结的资金是否不小于被第二参与方冻结的资金额度。
其中，该目标账户中未被第二参与方冻结的资金可以为第一参与方补充的资金，也可以为第一参与方补充的资金与电子凭证中未被第二参与方冻结的资金的总和。
当目标账户的资金不小于被第二参与方冻结的资金额度时，执行步骤S104。
进一步地，当目标账户的资金小于被第二参与方冻结的资金额度时，还可以向第一参与方发送该目标账户的资金不足的通知信息。
S104：当所述目标账户的资金不小于被所述第二参与方冻结的资金额度时，冻结与所述第二参与方冻结的资金额度相同的资金以更新所述电子凭证信息，并将更新的所述电子凭证信息发送至第二资金管理服务器。
当第一资金管理服务器确定该目标账户中未被第二参与方冻结的资金不小于被第二参与方冻结的资金额度时，冻结与第二参与方冻结的资金额度相同的资金，将该电子凭证的状态恢复到被第二参与方冻结前的状态并更新电子凭证信息，将更新的电子凭证信息发送至第二资金管理服务器。电子凭证信息至少包括更新后的资金额度。第二资金管理服务器为第三参与方的账户管理服务器。
其中，当该目标账户中未被第二参与方冻结的资金为第一参与方补充的资金，或第一参与方补充的资金与电子凭证中未被第二参与方冻结的资金的总和时，第一资金管理服务器从第一参与方补充的资金中冻结与第二参与方冻结的资金额度相同的资金。
进一步地，当第一资金管理服务器将该电子凭证的状态恢复到被第二参与方冻结前的状态并更新电子凭证信息后，还可以向第一参与方发送状态变更成功的通知信息，以通知第一参与方当前该电子凭证的状态。
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；第二参与方冻结的资金为第一参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一参与方的信用额度、或第一参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。
进一步地，第二参与方为第三方机构，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。
S105：所述第二资金管理服务器将接收到的所述电子凭证信息发送至第三参与方。
第二资金管理服务器将接收到的第一资金管理服务器发送的电子凭证信息发送至第三参与方。其中，该电子凭证信息为更新的电子凭证信息。
S106：所述第三参与方获得所述电子凭证信息。
第三参与方在获得第二资金管理服务器发送的电子凭证信息后，确认是否继续与第二参与方进行交易。
例如，当第三参与方在获取到第二参与方的电子凭证中资金额度小于第二参与方购买的商品/服务对应的金额时，拒绝与第二参与方继续交易。第三参与方可以不向第二参与方发货，或召回已经发出的商品。
上述方案，当第一参与方的资金流转出现异常，接收到第一参与方的电子凭证额度中至少部分资金被第二参与方冻结的通知时，第一参与方通过向第一资金管理服务器中第一参与方的电子凭证对应的目标账户补充不小于被冻结的资金激活电子凭证，并将电子凭证信息通过第三参与方的资金管理服务器通知第三参与方，以通过该电子凭证进行网络支付，能够在第一参与方的资金流转异常时，重新激活电子凭证，使得该电子凭证重新流转使用，为第一参与方提供便利。
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：第一资金管理服务器接收第一参与方发送的向所述第一参与方的目标账户补充资金的请求。
当第一参与方向第三参与方购买商品/服务，第一参与方账户的资金流转发生异常（例如，第一参与方陷入民事经济纠纷）时，第二参与方介入处理，冻结第一参与方的电子凭证额度中至少部分资金，并通知第一参与方。
第一资金管理服务器接收第一参与方发送的向第一参与方的目标账户补充资金的请求。其中，该请求是第一参与方在接收到第二参与方发送的第一参与方的电子凭证额度中至少部分资金被第二参与方冻结的通知时发送的，目标账户为开立该电子凭证时冻结的资金所在的账户。
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（第一参与方）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。电子凭证信息至少包括资金额度。
S202：响应所述请求并确认所述目标账户的资金是否不小于被所述第二参与方冻结的资金额度。
第一资金管理服务器在接收到第一参与方发送的向所述第一参与方的目标账户补充资金的请求以及补充资金后，响应该请求并调用第一参与方的电子凭证及目标账户的资金信息，以获取电子凭证的额度信息以及目标账户的资金信息，确认目标账户中未被第二参与方冻结的资金是否不小于被第二参与方冻结的资金额度。
其中，该目标账户中未被第二参与方冻结的资金可以为第一参与方补充的资金，也可以为第一参与方补充的资金与电子凭证中未被第二参与方冻结的资金的总和。
当目标账户的资金不小于被第二参与方冻结的资金额度时，执行步骤S203。
进一步地，当目标账户的资金小于被第二参与方冻结的资金额度时，还可以向第一参与方发送该目标账户的资金不足的通知信息。
S203：当所述目标账户的资金不小于被所述第二参与方冻结的资金额度时，冻结与所述第二参与方冻结的资金额度相同的资金以更新所述电子凭证信息，并将更新的所述电子凭证信息发送至第二资金管理服务器。
当第一资金管理服务器确定该目标账户中未被第二参与方冻结的资金不小于被第二参与方冻结的资金额度时，冻结与第二参与方冻结的资金额度相同的资金，将该电子凭证的状态恢复到被第二参与方冻结前的状态并更新电子凭证信息，将更新的电子凭证信息发送至第二资金管理服务器，以使第二资金管理服务器将接收到的第一资金管理服务器发送的电子凭证信息发送至第三参与方，进而使得第三参与方在获得电子凭证信息时，确认是否与第二参与方进行交易。
该电子凭证信息至少包括更新后的资金额度。第二资金管理服务器为第三参与方的账户管理服务器。
其中，当该目标账户中未被第二参与方冻结的资金为第一参与方补充的资金，或第一参与方补充的资金与电子凭证中未被第二参与方冻结的资金的总和时，第一资金管理服务器从第一参与方补充的资金中冻结与第二参与方冻结的资金额度相同的资金。
进一步地，当第一资金管理服务器将该电子凭证的状态恢复到被第二参与方冻结前的状态并更新电子凭证信息后，还可以向第一参与方发送状态变更成功的通知信息，以通知第一参与方当前该电子凭证的状态。
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；第二参与方冻结的资金为第一参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一参与方的信用额度、或第一参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。
进一步地，第二参与方为第三方机构，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，当第一参与方的资金流转出现异常，接收到第一参与方的电子凭证额度中至少部分资金被第二参与方冻结的通知时，第一资金管理服务器在确认接收到第一参与方向第一资金管理服务器中第一参与方的电子凭证对应的目标账户补充的资金不小于被冻结的资金时，激活电子凭证，并将电子凭证信息通过第三参与方的资金管理服务器通知第三参与方，以通过该电子凭证进行网络支付，能够在第一参与方的资金流转异常时，重新激活电子凭证，使得该电子凭证重新流转使用，为第一参与方提供便利。
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：第一交互方接收所述第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知。
当第一交互方与第三交互方进行数据交互，且第一交互方的数据单元发生异常时，第一交互方接收第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知。其中，该通知至少包括被冻结的数据值。
S302：所述第一交互方向第一服务方发送向所述第一交互方的目标数据单元增加数据值的请求。
其中，该目标数据单元与该数据凭证对应。
S303：所述第一服务方响应所述请求并确认所述目标数据单元的数据值是否不小于被所述第二交互方冻结的数据值。
当第一服务方接收到第一交互方发送的向第一服务方发送向第一交互方的目标数据单元增加数据值的请求时，响应该请求调用第一交互方的数据凭证以及目标数据单元的数据值，以获取目标数据单元的数据值，确认该目标数据单元中未被第二交互方冻结的数据值是否不小于被第二交互方冻结的数据值。
当该目标数据单元中未被冻结的数据值大于或等于被第二交互方冻结的数据值时，执行步骤S304。
进一步地，当该目标数据单元中未被冻结的数据值小于被第二交互方冻结的数据值时，通知第一交互方继续向目标数据单元增加数据值。
S304：当所述目标数据单元的数据值不小于被所述第二交互方冻结的数据值时，冻结与所述被所述第二交互方冻结的数据值大小相同的数据值，以更新所述数据凭证信息，并将更新的所述数据凭证信息发送至第二服务方。
当目标数据单元中未被第二交互方冻结的数据值大于或等于被第二交互方冻结的数据值时，冻结与被第二交互方冻结的数据值大小相同的数据值，以更新数据凭证信息，并将更新的数据凭证信息发送至第二服务方。其中，该数据凭证信息至少包括更新后的数据值。
S305：所述第二服务方将接收到的所述数据凭证信息发送至第三交互方。
第二服务方将接收到的数据凭证信息发送至第三交互方。
S306：所述第三交互方获得所述数据凭证信息。
第三交互方获得第二服务方发送的该数据凭证信息，进而确认是否继续与第二交互方进行交互。
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，用户A对应第一服务方，第二交互方为用户B，第三交互方为用于C，用户C对应第二服务方。用户A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B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C向用户A获取客户端2的管理权限的密码，通过第二服务方向第一服务方申请用户A的数据凭证，且用户A数据流转出现异常时，具有更高管理权限的用户B介入管理。用户B冻结用户A数据单元的至少部分客户端的管理权限的密码，用户A向第一服务方发送增加用户A数据单元的至少部分客户端的管理权限的密码的请求。
第一服务方在确认用户A数据单元中所有的客户端的管理权限的密码的数量不小于被用户B冻结的客户端的管理权限的密码的数量时，冻结与被用户B冻结的客户端的管理权限的密码的数量相同的客户端的管理权限的密码，并更新用户A的数据凭证的信息。其中，用户A的数据凭证与数据单元相对应。更新后的用户A的数据凭证的信息至少包括被第一服务方冻结的客户端的管理权限的密码数量。
第一服务方将用户A的更新后的数据凭证的信息发送给第二服务方，以使第二服务方将变更信息通知用户C，以便用户C在获取到用户A的数据凭证的变更信息后，能够确认是否还可以获取到客户端2的管理权限的密码。当不能获取到客户端2的管理权限的密码时，中止与用户A的数据交互。
以上，用户B具有比用户A更高的管理权限，当用户A的账号信息出现异常时，用户B对用户A和用户C之间的数据交互进行风险管控，从而避免用户C无法获得客户端数据的情况以及避免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，则此时第二交互方为第三方有权机构（如法院、海关、税务机构），第一交互方是买方，第三交互方是卖方，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，当第一交互方的数据流转出现异常，接收到第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知时，第一交互方通过向第一服务方中第一交互方的数据凭证对应的目标数据单元增加不小于被第二交互方冻结的数据值，以更新该数据凭证的信息，并通过第二服务方将更新后的数据凭证的信息发送至第三交互方，能够在第一交互方的数据流转异常时，更新第一交互方的数据凭证的信息，及时通知第三交互方，有效避免第三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一服务方。本实施例中的数据交互处理方法包括以下步骤：
S401：第一服务方接收第一交互方发送的向所述第一交互方的目标数据单元增加数据值的请求。
其中，所述请求是所述第一交互方在接收到所述第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知后发送的，所述通知至少包括被冻结的数据值
当第一交互方与第三交互方进行数据交互，且第一交互方的数据单元发生异常，第一交互方向第一服务方发送接收第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知时，第一服务方接收第一交互方发送的向第一服务方发送向第一交互方的目标数据单元增加数据值的请求。其中，该通知至少包括被冻结的数据值。
S402：响应所述请求并确认所述目标数据单元的数据值是否不小于被所述第二交互方冻结的数据值。
当第一服务方接收到第一交互方发送的向第一服务方发送向第一交互方的目标数据单元增加数据值的请求时，响应该请求调用第一交互方的数据凭证以及目标数据单元的数据值，以获取目标数据单元的数据值，确认该目标数据单元中未被第二交互方冻结的数据值是否不小于被第二交互方冻结的数据值。
当该目标数据单元中未被冻结的数据值大于或等于被第二交互方冻结的数据值时，执行步骤S304。
进一步地，当该目标数据单元中未被冻结的数据值小于被第二交互方冻结的数据值时，通知第一交互方继续向目标数据单元增加数据值。
S403：当所述目标数据单元的数据值不小于被所述第二交互方冻结的数据值时，冻结与所述被所述第二交互方冻结的数据值大小相同的数据值，以更新所述数据凭证信息，并将更新的所述数据凭证信息发送至第二服务方；其中，所述数据凭证信息至少包括更新后的数据值。
当目标数据单元中未被第二交互方冻结的数据值大于或等于被第二交互方冻结的数据值时，冻结与被第二交互方冻结的数据值大小相同的数据值，以更新数据凭证信息，并将更新的数据凭证信息发送至第二服务方，以使第二服务方在接收到更新的数据凭证信息将其发送至第三交互方，从而使第三交互方在获得第二服务方发送的该数据凭证信息时，进而确认是否继续与第二交互方进行交互。其中，该数据凭证信息至少包括更新后的数据值。
上述方案，当第一交互方的数据流转出现异常，接收到第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知，并向第一服务方发送向第一交互方的数据凭证对应的目标数据单元增加数据值的请求时，第一服务方在确认目标数据单元的数据值不小于被第二交互方冻结的数据值时，更新该数据凭证的信息，并通过第二服务方将更新后的数据凭证的信息发送至第三交互方，能够在第一交互方的数据流转异常时，更新第一交互方的数据凭证的信息，及时通知第三交互方，有效避免第三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。
第一交互方用于接收所述第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知，以及用于向第一服务方发送向所述第一交互方的目标数据单元增加数据值的请求；其中，通知至少包括被冻结的数据值，目标数据单元与所述数据凭证对应。
第一服务方用于响应该请求并确认目标数据单元的数据值是否不小于被第二交互方冻结的数据值；当目标数据单元的数据值不小于被第二交互方冻结的数据值时，冻结与被所述第二交互方冻结的数据值大小相同的数据值，以更新数据凭证信息，并将更新的数据凭证信息发送至第二服务方；其中，数据凭证信息至少包括更新后的数据值。
第二服务方用于将接收到的数据凭证信息发送至第三交互方。
第三交互方用于获得数据凭证信息。
上述方案，当第一交互方的数据流转出现异常，接收到第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知时，第一交互方通过向第一服务方中第一交互方的数据凭证对应的目标数据单元增加不小于被第二交互方冻结的数据值，以更新该数据凭证的信息，并通过第二服务方将更新后的数据凭证的信息发送至第三交互方，能够在第一交互方的数据流转异常时，更新第一交互方的数据凭证的信息，及时通知第三交互方，有效避免第三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、确定模块720、处理模块730以及发生模块740。
接收模块710用于用于接收第一交互方发送的向第一交互方的目标数据单元增加数据值的请求；其中，请求是所述第一交互方在接收到第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知后发送的，通知至少包括被冻结的数据值。
确定模块720用于响应请求并确认目标数据单元的数据值是否不小于被所述第二交互方冻结的数据值。
处理模块730用于在确定模块720确定当目标数据单元的数据值不小于被第二交互方冻结的数据值时，冻结与被第二交互方冻结的数据值大小相同的数据值，以更新数据凭证信息；其中，数据凭证信息至少包括更新后的数据值。
发送模块740用于将更新的数据凭证信息发送至第二服务方。
上述方案，当第一交互方的数据流转出现异常，接收到第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知，并向第一服务方发送向第一交互方的数据凭证对应的目标数据单元增加数据值的请求时，第一服务方在确认目标数据单元的数据值不小于被第二交互方冻结的数据值时，更新该数据凭证的信息，并通过第二服务方将更新后的数据凭证的信息发送至第三交互方，能够在第一交互方的数据流转异常时，更新第一交互方的数据凭证的信息，及时通知第三交互方，有效避免第三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：
    第一参与方接收所述第一参与方的电子凭证额度中至少部分资金被第二参与方冻结的通知；其中，所述通知至少包括被冻结的资金额度；
    所述第一参与方向第一资金管理服务器发送向所述第一参与方的目标账户补充资金的请求；其中，所述目标账户为开立所述电子凭证时冻结的资金所在的账户；
    所述第一资金管理服务器响应所述请求并确认所述目标账户的资金是否不小于被所述第二参与方冻结的资金额度；
    当所述目标账户的资金不小于被所述第二参与方冻结的资金额度时，冻结与所述第二参与方冻结的资金额度相同的资金以更新所述电子凭证信息，并将更新的所述电子凭证信息发送至第二资金管理服务器；其中，所述电子凭证信息至少包括更新后的资金额度；
    所述第二资金管理服务器将接收到的所述电子凭证信息发送至第三参与方；
    所述第三参与方获得所述电子凭证信息；
    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三参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，所述第一资金管理服务器响应所述请求并确认所述目标账户的资金是否不小于被所述第二参与方冻结的资金额度的步骤之后，所述方法还包括：
    当所述目标账户的资金小于被所述第二参与方冻结的资金额度时，向所述第一参与方发送所述目标账户的资金不足的通知信息。
  3. 根据权利要求1所述的线上资金管理方法，其特征在于，当所述目标账户的资金不小于被所述第二参与方冻结的资金额度时，冻结与所述第二参与方冻结的资金额度相同的资金以更新所述电子凭证信息，并将更新的所述电子凭证信息发送至第二资金管理服务器的步骤之后，所述方法还包括：所述第一资金管理服务器将所述电子凭证更改为有效状态，并向所述第一参与方发送所述电子凭证状态变更的通知信息。
  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以及所述第二资金管理服务器为同一个资金管理服务器。
  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。
  6. 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。
  7. 一种线上资金管理方法，其特征在于，所述方法包括：
    第一资金管理服务器接收第一参与方发送的向所述第一参与方的目标账户补充资金的请求；其中，所述请求是所述第一参与方在接收到第二参与方发送的所述第一参与方的电子凭证额度中至少部分资金被第二参与方冻结的通知时发送的，所述目标账户为开立所述电子凭证时冻结的资金所在的账户；
    响应所述请求并确认所述目标账户的资金是否不小于被所述第二参与方冻结的资金额度；
    当所述目标账户的资金不小于被所述第二参与方冻结的资金额度时，冻结与所述第二参与方冻结的资金额度相同的资金以更新所述电子凭证信息，并将更新的所述电子凭证信息发送至第二资金管理服务器；
    其中，所述电子凭证信息至少包括更新后的资金额度，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三参与方的账户管理服务器。
  8. 一种数据交互处理方法，其特征在于，所述方法包括：
    第一交互方接收所述第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知；其中，所述通知至少包括被冻结的数据值；
    所述第一交互方向第一服务方发送向所述第一交互方的目标数据单元增加数据值的请求；其中，所述目标数据单元与所述数据凭证对应；所述第一服务方响应所述请求并确认所述目标数据单元的数据值是否不小于被所述第二交互方冻结的数据值；
    当所述目标数据单元的数据值不小于被所述第二交互方冻结的数据值时，冻结与所述被所述第二交互方冻结的数据值大小相同的数据值，以更新所述数据凭证信息，并将更新的所述数据凭证信息发送至第二服务方；其中，所述数据凭证信息至少包括更新后的数据值；
    所述第二服务方将接收到的所述数据凭证信息发送至第三交互方；
    所述第三交互方获取所述数据凭证信息；
    其中，所述第一服务方为所述第一交互方服务，管理所述第一交互方的数据单元的数据值，所述第二服务方为所述第三交互方服务，管理所述第三交互方的数据单元的数据值。
  9. 一种数据交互处理方法，其特征在于，所述方法包括：
    第一服务方接收第一交互方发送的向所述第一交互方的目标数据单元增加数据值的请求；其中，所述请求是所述第一交互方在接收到所述第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知后发送的，所述通知至少包括被冻结的数据值；
    响应所述请求并确认所述目标数据单元的数据值是否不小于被所述第二交互方冻结的数据值；
    当所述目标数据单元的数据值不小于被所述第二交互方冻结的数据值时，冻结与所述被所述第二交互方冻结的数据值大小相同的数据值，以更新所述数据凭证信息，并将更新的所述数据凭证信息发送至第二服务方；其中，所述数据凭证信息至少包括更新后的数据值。
  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，用于接收第一交互方发送的向所述第一交互方的目标数据单元增加数据值的请求；其中，所述请求是所述第一交互方在接收到所述第一交互方的数据凭证的至少部分数据值被第二交互方冻结的通知后发送的，所述通知至少包括被冻结的数据值；
    确定模块，用于响应所述请求并确认所述目标数据单元的数据值是否不小于被所述第二交互方冻结的数据值；
    处理模块，用于在所述确定模块确定当所述目标数据单元的数据值不小于被所述第二交互方冻结的数据值时，冻结与所述被所述第二交互方冻结的数据值大小相同的数据值，以更新所述数据凭证信息；其中，所述数据凭证信息至少包括更新后的数据值；
    发送模块，用于将更新的所述数据凭证信息发送至第二服务方。
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CN101567070A (zh) * 2008-04-24 2009-10-28 中国银联股份有限公司 一种交易数据处理方法、系统及一种支付系统
CN101782992A (zh) * 2010-03-18 2010-07-21 万易通国际科技(北京)有限公司 一种网上交易的系统和方法
CN102663585A (zh) * 2012-04-23 2012-09-12 重庆先迈通信技术有限公司 一种网络交易业务的支付处理方法

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CN101567070A (zh) * 2008-04-24 2009-10-28 中国银联股份有限公司 一种交易数据处理方法、系统及一种支付系统
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