WO2017012001A1 - 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
WO2017012001A1
WO2017012001A1 PCT/CN2015/084568 CN2015084568W WO2017012001A1 WO 2017012001 A1 WO2017012001 A1 WO 2017012001A1 CN 2015084568 W CN2015084568 W CN 2015084568W WO 2017012001 A1 WO2017012001 A1 WO 2017012001A1
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WO
WIPO (PCT)
Prior art keywords
data
party
funds
participant
management server
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PCT/CN2015/084568
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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/CN2015/084568 priority Critical patent/WO2017012001A1/zh
Priority to CA2993034A priority patent/CA2993034C/en
Publication of WO2017012001A1 publication Critical patent/WO2017012001A1/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, a device and a system, which can effectively ensure that the capital interests of the goods/service providers are not impaired when the payment side of the payment is abnormal.
  • the first technical solution adopted by the present invention is to provide an online fund management method, the method comprising: the first participation direction first fund management server sends a second participant account to a target a request for the account to deduct funds; the first fund management server performs identity verification on the first participant in response to the request; the first fund management server is in the identity information of the first participant Passing and confirming that the funds to be deducted include at least part of the funds of the second participant's electronic voucher, thawing funds not greater than the electronic voucher amount to debit the target account, and The electronic voucher information after the funds are deducted is sent to the second fund management server; the second fund management server sends the received electronic voucher information to the third party; the third party obtains the location The electronic voucher information; wherein the target account is an account designated by the first participant, and the first fund management server is the second participant Party account management server, the second fund management server to the third party account management server.
  • the second technical solution adopted by the present invention is to provide an online fund management method, the method comprising: the first fund management server receives the account from the second participant sent by the first participant a request for debiting funds by the target account, performing identity verification on the first party; when the identity verification is passed, and confirming that the funds to be deducted include at least part of the funds of the second party's electronic voucher Defending funds not greater than the electronic voucher amount to debit the target account; and transmitting the electronic voucher information after the funds are deducted to the second fund management server; wherein the target account is An account designated by the first participant, the first fund management server is an account management server of the second participant, and the second fund management server is an account management server of the third participant.
  • the first participant when the capital flow of the second participant is abnormal, requests the second party's account management server to debit the account from the second participant account to the account designated by the first participant; After the funds are deducted, the account management server of the second participant notifies the third party to the change information through the account management server of the third party, and can notify the third party in time when the flow of funds of the second party is abnormal. Ensure that the financial interests of the third party are not impaired.
  • the third technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes: the first interaction direction, the first service party, transmitting at least part of the data of the second interaction party data unit. a request for the data value to be added to a target data unit; the first service party, when receiving the request, performing identity verification on the first interaction party; the first service party is in the first interaction
  • the identity verification of the party passes, and confirms that the data value to be added includes at least part of the data value of the data credential of the second interaction party, unlocking the first data that is not larger than the data voucher data value size, to
  • the target data unit adds data equal to the first data size, and transmits the data credential information that has undergone the data value change to the second server; the second server sends the received data credential information To the third interacting party, the third interacting party obtains the data credential information.
  • the fourth technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: receiving, by the first servant, at least a second interaction party data unit sent by the first interaction party a request for increasing the data value of the partial data to a target data unit, performing identity verification on the first interaction party; passing the identity verification, and confirming that the data value to be added includes the data certificate of the second interaction party And at least part of the data value, unlocking the first data that is not greater than the data voucher data value, to add a data value equal to the first data size to the target data unit; and the data voucher to be changed by the data value
  • the information is sent to the second servant.
  • 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 at least a second interactive party data unit sent by the first interaction party. a request for adding a data value of the partial data to a target data unit; a verification module, configured to perform identity verification on the first interaction party, and confirm whether the data value to be added includes the data certificate of the second interaction party At least part of the data value; a processing module, configured to: when the verification module passes the identity check, and confirms that the data value to be added includes at least part of the data value of the data identifier of the second interaction party, unlocking a first data that is not greater than the data voucher data value, to add a data value equal to the first data size to the target data unit; and a sending module, configured to send the data voucher information that has undergone data value change To the second service party.
  • the first interaction party increases the data from the data unit of the second interaction party to the target data unit specified by the first interaction party by requesting the service party of the second interaction party; After the service party of the second interaction party successfully adds data to the target data unit, the change information of the data certificate of the second interaction party is notified to the third interaction party by the service party of the third interaction party, and can be in the second interaction party.
  • the third interaction party is notified in time, and the risk of data security of the third interaction party is effectively avoided.
  • 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:
  • the first participating party sends a request for debiting funds from the second participant account to a target account by the first fund management server.
  • the first participant intervenes.
  • the first participation direction sends a request for the funds to be debited from the second participant account to a target account.
  • the target account is an account designated by the first participant, and the first fund management server is an account management server of the second participant.
  • the first party is a third party institution, and the third party institution has the authority to deduct funds.
  • the third party is any of the court, customs and tax.
  • S102 The first fund management server performs identity verification on the first participant in response to the request.
  • the first fund management server After receiving the request sent by the first participant, the first fund management server, in response to the request, performs identity verification on the identity information of the first participant to confirm whether the identity information of the first participant is authentic and valid, and confirms the need Whether the deducted funds include at least part of the funds of the second party's electronic voucher.
  • the funds that need to be deducted include at least part of the funds of the electronic credentials of the second participant.
  • the identity error prompt information is sent to the first participant to prompt the first participant identity information to be incorrect.
  • step S103 is performed.
  • the first fund management server when the identity information of the first participant is verified, and confirms that the fund to be deducted includes at least part of the funds of the second participant's electronic voucher, the thaw is not And the funds greater than the electronic voucher amount, the funds are debited to the target account, and the electronic voucher information after the funds are deducted is sent to the second fund management server; wherein the electronic voucher information includes at least funds Amount,
  • the pre-saved electronic certificate of the second party is invoked. To read the information in the electronic voucher and to thaw the funds not greater than the electronic voucher amount to deduct funds from the target account designated by the first party. After that, the electronic voucher information after the funds are deducted is sent to the second fund management server.
  • the electronic voucher involved in the embodiment of the present invention may be referred to as a “silver letter 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 electronic voucher information includes at least the amount of funds.
  • the second fund management server is an account management server of the third party.
  • 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 thawed fund is the deposit of the second party in the first fund management server
  • the first A fund management server gives the credit amount of the second participant or the funds 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 fund deduction information includes at least one of the first party information requesting the deduction of the funds, the amount of the deducted funds, and the target account information.
  • 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 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 participant when the capital flow of the second participant is abnormal, requests the second party's account management server to debit the account from the second participant account to the account designated by the first participant; After the funds are deducted, the account management server of the second participant notifies the third party to the change information through the account management server of the third party, and can notify the third party in time when the flow of funds of the second party is abnormal. Ensure that the financial interests of the third party are not impaired.
  • 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 withdraw funds from the second participant account to a target account, and performs identity verification on the first participant.
  • the first participant intervenes.
  • the first fund management server When the first participation direction first fund management server sends a request for debiting funds from the second participant account to a target account, the first fund management server receives the request, and performs identity verification on the first participant to confirm the first Whether the identity information of a participant is true and legal, and whether the funds that need to be deducted include at least part of the funds of the second party's electronic certificate.
  • the funds that need to be deducted include at least part of the funds of the electronic credentials of the second participant.
  • the target account is the account specified by the first party.
  • the first fund management server is an account management server of the second participant.
  • the identity error prompt information is sent to the first participant to prompt the first participant identity information to be incorrect.
  • step S202 is performed.
  • the first fund management server confirms that the identity information of the first participant is authentic and confirms that the fund to be deducted includes at least part of the funds of the electronic certificate of the second participant, calling the pre-stored second party An electronic voucher to read the information in the electronic voucher.
  • the electronic voucher involved in the embodiment of the present invention may be referred to as a “silver letter 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 electronic voucher information includes at least the amount of funds.
  • the first fund management server After reading the information in the electronic voucher, the first fund management server thaws the funds not greater than the electronic voucher amount to deduct funds from the target account designated by the first party.
  • the fund deduction information includes at least one of the first party information requesting the deduction of the funds, the amount of the deducted funds, and the target account information.
  • S203 Send the electronic voucher information after the funds are deducted to the second fund management server.
  • the first voucher information is sent to the second fund management server, so that the second fund management server will receive the electronic voucher information.
  • Send to the third party so that the third party confirms whether to continue the transaction with the second party after obtaining the electronic voucher information.
  • the electronic voucher information includes at least a fund amount
  • the second fund management server is an account management server of the third party.
  • the first fund management server responds to the request of the first participant to transfer funds from the second participant account to the account designated by the first participant; After the designated account successfully deducts the funds, the change information of the second participant account is notified to the third party through the account management server of the third party, and the third participant can be notified in time when the flow of the second participant's funds is abnormal.
  • the party effectively guarantees that the financial interests of the third party are not damaged.
  • 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 the first server to increase the data value of at least part of the data of the second interaction party data unit to a target data unit.
  • the first interaction direction sends the data value of at least part of the data of the second interaction party data unit to the first interaction party.
  • a request for an increase in a target data unit is specified by the first interaction party.
  • S302 The first serving party performs identity verification on the first interacting party when receiving the request.
  • the first servant When receiving the request, the first servant performs identity verification on the identity information of the first interacting party to confirm whether the identity information of the first interacting party is authentic, and confirms whether the data value to be added includes the second interacting party. At least part of the data value of the data voucher.
  • the data value to be added includes at least the data certificate of the second interaction party. Part of the data value.
  • the identity error prompt information is sent to the first participant to prompt the first interaction party identity information to be incorrect.
  • step S303 is performed.
  • the first servant passes the identity verification of the first interaction party, and confirms that the data value to be added includes at least part of the data value of the data vouchers of the second interaction party, and the unlocking is not greater than Decoding first data of a data voucher data value size to add data equal to the first data size to the target data unit, and transmitting the data voucher information that has undergone data value change to a second service party;
  • the data credential information includes at least a data value.
  • the data credential of the second interacting party saved in advance is invoked to acquire information included in the data credential, and the first data that is not larger than the data credential data value size is unlocked. And adding data equal to the first data size to the target data unit specified to the first interacting party. Thereafter, the data voucher information that has undergone the data value change is sent to the second server.
  • the data credential information includes at least a data value.
  • S304 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.
  • S305 The third interaction party obtains the data credential information.
  • the third interaction party obtains the data credential information sent by the second service party, thereby confirming whether to continue data interaction with the second interaction party.
  • the first interaction party is user A
  • the second interaction party is user B
  • user B corresponds to the first service party
  • the third interaction party is for C
  • user C 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 A has higher administrative privileges than User B.
  • 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 server performs the identity verification of the user A, and confirms that the password of the management authority of the added client includes the password of the management authority of at least part of the data of the user B, and invokes the data certificate of the user B to Obtain the password of the management authority of all clients managed by user B, unlock the password of the management authority of some clients, and add the password of the management authority of the unlocked part of the client to the target data unit.
  • the data credential of the user B does not include the password of the management authority of the unlocked part of the client.
  • the first servant sends the change information of the data credential of the user B to the second servant, so that the second servant will notify the user C of the change information, so that after the user C obtains the change information of the data credential of the user B, It is possible to confirm whether or not the password for the management right of the client 2 can be obtained.
  • the password of the management right of the client 2 cannot be obtained, the data interaction with the user A is suspended.
  • the user A has a higher management authority than the user B.
  • the account information of the user B is abnormal, the user A performs risk control on the data interaction between the user C and the user B, thereby preventing the user C from obtaining the client data.
  • the situation and the risk of avoiding client data security are possible.
  • 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 first interacting party is a third party authorized institution (for example, the court, customs, tax agency
  • the second interacting party is the buyer
  • the third interacting party is the seller
  • the first servant is the first fund management server
  • 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
  • the server is a music website server.
  • the first interaction party increases the data from the data unit of the second interaction party to the target data unit specified by the first interaction party by requesting the service party of the second interaction party; After the service party of the second interaction party successfully adds data to the target data unit, the change information of the data certificate of the second interaction party is notified to the third interaction party by the service party of the third interaction party, and can be in the second interaction party.
  • the third interaction party is notified in time, and the risk of data security of the third interaction party is effectively avoided.
  • 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 of at least part of data of the second interaction party data unit to a target data unit, and performs identity verification on the first interaction party.
  • the first service party receives the first interaction direction and sends the second interaction party data unit to the first interaction party.
  • the target data unit is specified by the first interaction party.
  • the first servant manages data of the data unit of the second interacting party.
  • the first servant When receiving the request, the first servant performs identity verification on the first interaction party to confirm whether the identity information of the first interaction party is authentic, and confirms whether the data value to be added includes the data vouchers of the second interaction party. At least part of the data value.
  • the data value to be added includes at least the data certificate of the second interaction party. Part of the data value.
  • the identity error prompt information is sent to the first participant to prompt the first interaction party identity information to be incorrect.
  • step S402 is performed.
  • the data credential information includes at least a data value.
  • the first server After acquiring the information included in the data credential, the first server unlocks the first data that is not larger than the data voucher data value to increase the data equal to the first data size to the target data unit specified by the first interacting party.
  • S403 Send the data credential information that has undergone data value change to the second server.
  • the first servant sends the data credential information that has undergone the data value change to the second servant, so that the third interlocutor obtains the data credential information when the third interlocutor receives the data credential information sent by the second servant.
  • Information and in turn confirm whether to continue data interaction with the second interacting party.
  • the data credential information includes at least a data value.
  • the first service party when the data flow of the second interaction party is abnormal, receives the data unit sent from the second interaction party sent by the first interaction party to add data to the target data unit specified by the first interaction party; After the service party invokes the data certificate of the second interaction party to successfully add data to the target data unit, the change information of the data certificate of the second interaction party is notified to the third interaction party by the service party of the third interaction party, and the second interaction party can be When the data flow is abnormal, the third interaction party is notified in time, and the risk of data security of the third interaction party is effectively avoided.
  • 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 send a request to the first servant to increase the data value of at least part of the data of the second interacting party data unit to a target data unit.
  • the first servant is configured to receive the request, perform identity verification on the first interacting party, pass the identity verification on the first interacting party, and confirm that the data value to be added includes the data credential of the second interacting party. And at least part of the data value, unlocking the first data that is not greater than the data voucher data value, to add a data value equal to the first data size to the target data unit, and transmitting the data voucher information that has undergone the data value change to the second service party Wherein the data credential information includes at least a 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 service party when the data flow of the second interaction party is abnormal, receives the data unit sent from the second interaction party sent by the first interaction party to add data to the target data unit specified by the first interaction party; After the service party invokes the data certificate of the second interaction party to successfully add data to the target data unit, the change information of the data certificate of the second interaction party is notified to the third interaction party by the service party of the third interaction party, and the second interaction party can be When the data flow is abnormal, the third interaction party is notified in time, and the risk of data security of the third interaction party is effectively avoided.
  • 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 implementation includes a receiving module 710, a verification module 720, a processing module 730, and a sending module 740.
  • the receiving module 710 is configured to receive a request sent by the first interacting party to increase the data value of the at least part of the data of the second interacting party data unit to a target data unit.
  • the verification module 720 is configured to perform identity verification on the first interaction party received by the receiving module 710, and confirm whether the data value to be added includes at least part of the data value of the data identifier of the second interaction party.
  • the processing module 730 is configured to: when the verification module 720 passes the identity check, and confirms that the data value to be added includes at least part of the data value of the data identifier of the second interaction party, unlocking the first value that is not greater than the data voucher data value Data to add a data value equal to the first data size to the target data unit.
  • the sending module 740 is configured to send the data credential information that has undergone the data value change to the second server; wherein the data credential information includes at least the data value.
  • the data interaction processing device receives the data unit sent from the second interacting party sent by the first interacting party to add data to the target data unit specified by the first interacting party; After the processing device invokes the data credential of the second interacting party to successfully add data to the target data unit, the change information of the data credential of the second interacting party is notified to the third interacting party by the serving party of the third interacting party, and the second interacting party can be When the data flow is abnormal, the third interaction party is notified in time, and the risk of data security of the third interaction party is effectively avoided.

Abstract

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：第一参与方向第一资金管理服务器发送从第二参与方账户向一目标账户划扣资金的请求（S101）；第一资金管理服务器响应所述请求，对第一参与方进行身份校验（S102）；第一资金管理服务器在对第一参与方的身份校验通过，且确认需要被划扣的资金包括第二参与方的电子凭证的至少部分资金时，解冻不大于该电子凭证额度的资金，以向目标帐户划扣资金，并将经过资金划扣后的电子凭证信息发送至第二资金管理服务器（S103）；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（S104）；第三参与方获得所述电子凭证信息（S105）。通过上述方式，能够有效保证第三参与方的资金利益不受损害，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异常时，有效保证商品/服务提供方的资金利益不受损害。
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从第二参与方账户向一目标账户划扣资金的请求；所述第一资金管理服务器响应所述请求，对所述第一参与方进行身份校验；所述第一资金管理服务器在对所述第一参与方的身份信息校验通过，且确认需要被划扣的资金包括所述第二参与方的电子凭证的至少部分资金时，解冻不大于所述电子凭证额度的资金，以向所述目标账户划扣资金，并将经过资金划扣后的所述电子凭证信息发送至第二资金管理服务器；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，所述目标账户为所述第一参与方指定的账户，所述第一资金管理服务器为所述第二参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从第二参与方账户向一目标账户划扣资金的请求，对所述第一参与方进行身份校验；在身份校验通过，且确认需要被划扣的资金包括所述第二参与方的电子凭证的至少部分资金时，解冻不大于所述电子凭证额度的资金，以向所述目标账户划扣资金；将经过资金划扣后的所述电子凭证信息发送至第二资金管理服务器；其中，所述目标账户为所述第一参与方指定的账户，所述第一资金管理服务器为所述第二参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，当第二参与方的资金流转出现异常时，第一参与方通过请求第二参与方的账户管理服务器从第二参与方账户向第一参与方指定的账户划扣资金；在成功划扣资金后，第二参与方的账户管理服务器将变更信息通过第三参与方的账户管理服务器通知第三参与方，能够在第二参与方的资金流转异常时，及时通知第三参与方，有效保证第三参与方的资金利益不受损害。
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将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求；所述第一服务方在接收到所述请求时，对所述第一交互方进行身份校验；所述第一服务方在对所述第一交互方的身份校验通过，且确认需要增加的数据值包括所述第二交互方的数据凭证的至少部分数据值时，解锁不大于所述数据凭证数据值大小的第一数据，以向所述目标数据单元增加与所述第一数据大小相等的数据，并将经过数据值变更的所述数据凭证信息发送至第二服务方；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，使所述第三交互方获得所述数据凭证信息。
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将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求，对所述第一交互方进行身份校验；在身份校验通过，且确认需要增加的数据值包括所述第二交互方的数据凭证的至少部分数据值时，解锁不大于所述数据凭证数据值的第一数据，以向所述目标数据单元增加与所述第一数据大小相等的数据值；将经过数据值变更的所述数据凭证信息发送至第二服务方。
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将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求；校验模块，用于对所述第一交互方进行身份校验，并确认需要增加的数据值是否包括所述第二交互方的数据凭证的至少部分数据值；处理模块，用于在所述校验模块对所述身份校验通过，且确认需要增加的数据值包括所述第二交互方的数据凭证的至少部分数据值时，解锁不大于所述数据凭证数据值的第一数据，以向所述目标数据单元增加与所述第一数据大小相等的数据值；发送模块，用于将经过数据值变更的所述数据凭证信息发送至第二服务方。
上述方案，当第二交互方的数据流转出现异常时，第一交互方通过请求第二交互方的服务方从第二交互方的数据单元向第一交互方指定的目标数据单元增加数据；在第二交互方的服务方调用数据凭证成功向目标数据单元增加数据后，将第二交互方的数据凭证的变更信息通过第三交互方的服务方通知第三交互方，能够在第二交互方的数据流转异常时，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：第一参与方向第一资金管理服务器发送从第二参与方账户向一目标账户划扣资金的请求。
当第二参与方向第三参与方购买商品/服务，第二参与方账户的资金流转发生异常（例如，第二参与方陷入民事经济纠纷）时，第一参与方介入处理。
第一参与方向第一资金管理服务器发送从第二参与方账户向一目标账户划扣资金的请求。其中，目标账户为第一参与方指定的账户，第一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，第一参与方为第三方机构，第三方机构具有扣划资金的权限。第三方机构为法院、海关以及税务中的任意一个。
S102：所述第一资金管理服务器响应所述请求，对所述第一参与方进行身份校验。
第一资金管理服务器在接收到第一参与方发送的请求后，响应该请求，对第一参与方的身份信息进行身份校验，以确认第一参与方的身份信息是否真实合法，以及确认需要被划扣的资金是否包括第二参与方的电子凭证的至少部分资金。
其中，当第一资金管理服务器确认第二参与方账户中除电子凭证以外的资金小于需要被划扣的的资金时，需要被划扣的资金包括第二参与方的电子凭证的至少部分资金。
当第一资金管理服务器确认第一参与方的身份信息不真实时，向第一参与方发送身份错误提示信息，以提示第一参与方身份信息错误。
当第一资金管理服务器确认第一参与方的身份信息真实合法，且确认需要被划扣的资金包括所述第二参与方的电子凭证的至少部分资金时，执行步骤S103。
S103：所述第一资金管理服务器在对所述第一参与方的身份信息校验通过，且确认需要被划扣的资金包括所述第二参与方的电子凭证的至少部分资金时，解冻不大于所述电子凭证额度的资金，以向所述目标账户划扣资金，并将经过资金划扣后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资金额度，
当第一资金管理服务器确认第一参与方的身份信息真实合法，且确认需要被划扣的资金包括第二参与方的电子凭证的至少部分资金时，调用预先保存的第二参与方的电子凭证，以读取电子凭证中的信息，并解冻不大于电子凭证额度的资金，以向第一参与方指定的目标账户划扣资金。之后，将经过资金划扣后的电子凭证信息发送至第二资金管理服务器。
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。电子凭证信息至少包括资金额度。第二资金管理服务器为第三参与方的账户管理服务器。
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；解冻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。
进一步地，在解冻不大于电子凭证额度的资金后，将电子凭证的状态变更为失效状态，并记录资金划扣信息。其中，资金划扣信息至少包括请求划扣资金的第一参与方信息、划扣的资金额度以及目标账户信息的其中之一。
S104：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。
S105：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，当第二参与方的资金流转出现异常时，第一参与方通过请求第二参与方的账户管理服务器从第二参与方账户向第一参与方指定的账户划扣资金；在成功划扣资金后，第二参与方的账户管理服务器将变更信息通过第三参与方的账户管理服务器通知第三参与方，能够在第二参与方的资金流转异常时，及时通知第三参与方，有效保证第三参与方的资金利益不受损害。
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从第二参与方账户向一目标账户划扣资金的请求，对所述第一参与方进行身份校验。
当第二参与方向第三参与方购买商品/服务，第二参与方账户的资金流转发生异常（例如，第二参与方陷入民事经济纠纷）时，第一参与方介入处理。
当第一参与方向第一资金管理服务器发送从第二参与方账户向一目标账户划扣资金的请求时，第一资金管理服务器接收该请求，对第一参与方进行身份校验，以确认第一参与方的身份信息是否真实合法，以及确认需要被划扣的资金是否包括第二参与方的电子凭证的至少部分资金。
其中，当第一资金管理服务器确认第二参与方账户中除电子凭证以外的资金小于需要被划扣的的资金时，需要被划扣的资金包括第二参与方的电子凭证的至少部分资金。
目标账户为第一参与方指定的账户。第一资金管理服务器为第二参与方的账户管理服务器。
当第一资金管理服务器确认第一参与方的身份信息不真实时，向第一参与方发送身份错误提示信息，以提示第一参与方身份信息错误。
当第一资金管理服务器确认第一参与方的身份信息真实合法，且确认需要被划扣的资金包括第二参与方的电子凭证的至少部分资金时，执行步骤S202。
S202：在身份校验通过，且确认需要被划扣的资金包括所述第二参与方的电子凭证的至少部分资金时，解冻不大于所述电子凭证额度的资金，以向所述目标账户划扣资金。
当第一资金管理服务器确认第一参与方的身份信息真实合法，且确认需要被划扣的资金包括所述第二参与方的电子凭证的至少部分资金时，调用预先保存的第二参与方的电子凭证，以读取电子凭证中的信息。
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。电子凭证信息至少包括资金额度。
第一资金管理服务器在读取电子凭证中的信息后，解冻不大于电子凭证额度的资金，以向第一参与方指定的目标账户划扣资金。
进一步地，在解冻不大于电子凭证额度的资金后，将电子凭证的状态变更为失效状态，并记录资金划扣信息。其中，资金划扣信息至少包括请求划扣资金的第一参与方信息、划扣的资金额度以及目标账户信息的其中之一。
S203：将经过资金划扣后的所述电子凭证信息发送至第二资金管理服务器。
第一资金管理服务器在向第一参与方指定的目标账户划扣资金之后，将经过资金划扣后的电子凭证信息发送至第二资金管理服务器，使第二资金管理服务器将接收到电子凭证信息发送至第三参与方，从而使第三参与方在获得电子凭证信息后，确认是否继续与第二参与方进行交易。其中，电子凭证信息至少包括资金额度，第二资金管理服务器为第三参与方的账户管理服务器。
上述方案，当第二参与方的资金流转出现异常时，第一资金管理服务器通过响应第一参与方发送的从第二参与方账户向第一参与方指定的账户划扣资金的请求；在向指定的账户成功划扣资金后，将第二参与方账户的变更信息通过第三参与方的账户管理服务器通知第三参与方，能够在第二参与方的资金流转异常时，及时通知第三参与方，有效保证第三参与方的资金利益不受损害。
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将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求。
当第二交互方与第三交互方进行数据交互，且第二交互方的数据单元发生异常时，第一交互方向第一服务方发送将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求。其中，目标数据单元由第一交互方指定。
S302：所述第一服务方在接收到所述请求时，对所述第一交互方进行身份校验。
第一服务方在接收到该请求时，对第一交互方的身份信息进行身份校验，以确认第一交互方的身份信息是否真实，以及确认需要增加的数据值是否包括第二交互方的数据凭证的至少部分数据值。
其中，当第一服务方在确认第二交互方数据单元中除数据凭证的数据值之外的数据值小于需要增加的数据值时，需要增加的数据值包括第二交互方的数据凭证的至少部分数据值。
当第一服务方确认第一交互方的身份信息不真实时，向第一参与方发送身份错误提示信息，以提示第一交互方身份信息错误。
当第一服务方确认第一交互方的身份信息真实，且确认需要增加的数据值包括第二交互方的数据凭证的至少部分数据值时，执行步骤S303。
S303：所述第一服务方在对所述第一交互方的身份校验通过，且确认需要增加的数据值包括所述第二交互方的数据凭证的至少部分数据值时，解锁不大于所述数据凭证数据值大小的第一数据，以向所述目标数据单元增加与所述第一数据大小相等的数据，并将经过数据值变更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数据值。
当第一服务方确认第一交互方的身份信息真实时，调用预先保存的第二交互方的数据凭证，以获取该数据凭证包含的信息，并解锁不大于数据凭证数据值大小的第一数据，以向第一交互方指定的目标数据单元增加与第一数据大小相等的数据。之后，并将经过数据值变更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数据值。
S304：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。
S305：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数据交互。
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，第二交互方为用户B，用户B对应第一服务方，第三交互方为用于C，用户C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A的管理权限高于用户B。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B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B的数据凭证，且用户B数据流转出现异常时，具有更高管理权限的用户A介入管理。用户A向第一服务方发送将用户B数据单元的至少部分客户端的管理权限的密码向一目标数据单元增加的请求。
第一服务方在对用户A进行身份校验通过，且确认需要增加的客户端的管理权限的密码包括用户B的数据凭证中至少部分客户端的管理权限的密码时，调用用户B的数据凭证，以获取用户B管理的所有客户端的管理权限的密码，解锁部分客户端的管理权限的密码，并向目标数据单元增加解锁的部分客户端的管理权限的密码。此时，用户B的数据凭证不包含解锁的部分客户端的管理权限的密码。
第一服务方将用户B的数据凭证的变更信息发送给第二服务方，以使第二服务方将将变更信息通知用户C，以便用户C在获取到用户B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A具有比用户B更高的管理权限，当用户B的账号信息出现异常时，用户A对用户C和用户B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，则此时第一交互方为第三方有权机构（如法院、海关、税务机构），第二交互方是买方，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，当第二交互方的数据流转出现异常时，第一交互方通过请求第二交互方的服务方从第二交互方的数据单元向第一交互方指定的目标数据单元增加数据；在第二交互方的服务方调用数据凭证成功向目标数据单元增加数据后，将第二交互方的数据凭证的变更信息通过第三交互方的服务方通知第三交互方，能够在第二交互方的数据流转异常时，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将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求，对所述第一交互方进行身份校验。
当第二交互方与第三交互方进行数据交互，且第二交互方的数据单元发生异常时，第一服务方接收第一交互方向第一服务方发送的将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求。其中，目标数据单元由第一交互方指定。第一服务方管理第二交互方的数据单元的数据。
第一服务方在接收到所述请求时，对第一交互方进行身份校验，以确认第一交互方的身份信息是否真实，以及确认需要增加的数据值是否包括第二交互方的数据凭证的至少部分数据值。
其中，当第一服务方在确认第二交互方数据单元中除数据凭证的数据值之外的数据值小于需要增加的数据值时，需要增加的数据值包括第二交互方的数据凭证的至少部分数据值。
当第一服务方确认第一交互方的身份信息不真实时，向第一参与方发送身份错误提示信息，以提示第一交互方身份信息错误。
当第一服务方确认第一交互方的身份信息真实，且需要增加的数据值包括第二交互方的数据凭证的至少部分数据值时，执行步骤S402。
S402：在身份校验通过，且确认需要增加的数据值包括所述第二交互方的数据凭证的至少部分数据值时，解锁不大于所述数据凭证数据值的第一数据，以向所述目标数据单元增加与所述第一数据大小相等的数据值。
当第一服务方确认第一交互方的身份信息真实，且确认需要增加的数据值包括第二交互方的数据凭证的至少部分数据值时，调用预先保存的第二交互方的数据凭证，以获取该数据凭证包含的信息。其中，该数据凭证信息至少包括数据值。
第一服务方在获取该数据凭证包含的信息后，解锁不大于数据凭证数据值大小的第一数据，以向第一交互方指定的目标数据单元增加与第一数据大小相等的数据。
S403：将经过数据值变更的所述数据凭证信息发送至第二服务方。
之后，第一服务方将经过数据值变更的数据凭证信息发送至第二服务方，以使第三交互方在接收到第二服务方发送的数据凭证信息时，第三交互方获得该数据凭证信息，进而确认是否继续与第二交互方进行数据交互。其中，数据凭证信息至少包括数据值。
上述方案，当第二交互方的数据流转出现异常时，第一服务方接收第一交互方发送的从第二交互方的数据单元向第一交互方指定的目标数据单元增加数据；在第一服务方调用第二交互方的数据凭证成功向目标数据单元增加数据后，将第二交互方的数据凭证的变更信息通过第三交互方的服务方通知第三交互方，能够在第二交互方的数据流转异常时，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。
第一交互方用于向第一服务方发送将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求。
第一服务方用于接收到请求，对第一交互方进行身份校验；在对第一交互方的身份校验通过，且确认需要增加的数据值包括所述第二交互方的数据凭证的至少部分数据值时，解锁不大于数据凭证数据值的第一数据，以向目标数据单元增加与第一数据大小相等的数据值，并将经过数据值变更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，当第二交互方的数据流转出现异常时，第一服务方接收第一交互方发送的从第二交互方的数据单元向第一交互方指定的目标数据单元增加数据；在第一服务方调用第二交互方的数据凭证成功向目标数据单元增加数据后，将第二交互方的数据凭证的变更信息通过第三交互方的服务方通知第三交互方，能够在第二交互方的数据流转异常时，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、校验模块720、处理模块730以及发送模块740。
接收模块710用于接收第一交互方发送的将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求。
校验模块720用于对接收模块710接收的第一交互方进行身份校验，并确认需要增加的数据值是否包括第二交互方的数据凭证的至少部分数据值。
处理模块730用于在校验模块720对身份校验通过，且确认需要增加的数据值包括所述第二交互方的数据凭证的至少部分数据值时，解锁不大于数据凭证数据值的第一数据，以向目标数据单元增加与第一数据大小相等的数据值。
发送模块740用于将经过数据值变更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数据值。
上述方案，当第二交互方的数据流转出现异常时，数据交互处理装置接收第一交互方发送的从第二交互方的数据单元向第一交互方指定的目标数据单元增加数据；在数据交互处理装置调用第二交互方的数据凭证成功向目标数据单元增加数据后，将第二交互方的数据凭证的变更信息通过第三交互方的服务方通知第三交互方，能够在第二交互方的数据流转异常时，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：
    第一参与方向第一资金管理服务器发送从第二参与方账户向一目标账户划扣资金的请求；
    所述第一资金管理服务器响应所述请求，对所述第一参与方进行身份校验；
    所述第一资金管理服务器在对所述第一参与方的身份信息校验通过，且确认需要被划扣的资金包括所述第二参与方的电子凭证的至少部分资金时，解冻不大于所述电子凭证额度的资金，以向所述目标账户划扣资金，并将经过资金划扣后的所述电子凭证信息发送至第二资金管理服务器；
    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，所述目标账户为所述第一参与方指定的账户，所述第一资金管理服务器为所述第二参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在对所述第一参与方的身份校验通过，且确认需要被划扣的资金包括所述第二参与方的电子凭证的至少部分资金时，解冻不大于所述电子凭证额度的资金，以向所述目标账户划扣资金，并将经过资金划扣后的所述电子凭证信息发送至第二资金管理服务器的步骤具体为：
    所述第一资金管理服务器在对所述第一参与方的身份校验通过，且确认需要被划扣的资金包括所述第二参与方的电子凭证的至少部分资金时，解冻不大于所述电子凭证额度的资金，以向所述目标账户划扣资金；
    将所述电子凭证的状态变更为失效状态，并记录资金划扣信息；其中，所述资金划扣信息至少包括请求划扣资金的第一参与方信息、划扣的资金额度以及所述目标账户信息的其中之一；
    将经过资金划扣后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所述电子凭证的状态以及资金额度。
  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。
  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在对所述第一参与方的身份校验通过，且确认需要被划扣的资金包括所述第二参与方的电子凭证的至少部分资金时，解冻不大于所述电子凭证额度的资金，以向所述目标账户划扣资金，并将经过资金划扣后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向所述第一参与方发送资金划扣成功的通知信息。
  6. 根据权利要求1所述的线上资金管理方法，其特征在于，所述第一参与方为第三方机构，所述第三方机构为法院、海关以及税务中的任意一个。
  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从第二参与方账户向一目标账户划扣资金的请求，对所述第一参与方进行身份校验；
    在身份校验通过，且确认需要被划扣的资金包括所述第二参与方的电子凭证的至少部分资金时，解冻不大于所述电子凭证额度的资金，以向所述目标账户划扣资金；
    将经过资金划扣后的所述电子凭证信息发送至第二资金管理服务器；
    其中，所述目标账户为所述第一参与方指定的账户，所述第一资金管理服务器为所述第二参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：
    第一交互方向第一服务方发送将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求；
    所述第一服务方在接收到所述请求时，对所述第一交互方进行身份校验；
    所述第一服务方在对所述第一交互方的身份校验通过，且确认需要增加的数据值包括所述第二交互方的数据凭证的至少部分数据值时，解锁不大于所述数据凭证数据值大小的第一数据，以向所述目标数据单元增加与所述第一数据大小相等的数据，并将经过数据值变更的所述数据凭证信息发送至第二服务方；
    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；
    所述第三交互方获得所述数据凭证信息。
  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将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求，对所述第一交互方进行身份校验；
    在身份校验通过，且确认需要增加的数据值包括所述第二交互方的数据凭证的至少部分数据值时，解锁不大于所述数据凭证数据值的第一数据，以向所述目标数据单元增加与所述第一数据大小相等的数据值；
    将经过数据值变更的所述数据凭证信息发送至第二服务方。
  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将第二交互方数据单元的至少部分数据的数据值向一目标数据单元增加的请求；
    校验模块，用于对所述第一交互方进行身份校验，并确认需要增加的数据值是否包括所述第二交互方的数据凭证的至少部分数据值；
    处理模块，用于在所述校验模块对所述身份校验通过，且确认需要增加的数据值包括所述第二交互方的数据凭证的至少部分数据值时，，解锁不大于所述数据凭证数据值的第一数据，以向所述目标数据单元增加与所述第一数据大小相等的数据值；
    发送模块，用于将经过数据值变更的所述数据凭证信息发送至第二服务方。
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