WO2017012002A1 - Procédé d'établissement de certificat électronique, procédé de traitement d'interaction de données, et dispositif et système associés - Google Patents

Procédé d'établissement de certificat électronique, procédé de traitement d'interaction de données, et dispositif et système associés Download PDF

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Publication number
WO2017012002A1
WO2017012002A1 PCT/CN2015/084569 CN2015084569W WO2017012002A1 WO 2017012002 A1 WO2017012002 A1 WO 2017012002A1 CN 2015084569 W CN2015084569 W CN 2015084569W WO 2017012002 A1 WO2017012002 A1 WO 2017012002A1
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WO
WIPO (PCT)
Prior art keywords
request
validity period
electronic voucher
setting
information
Prior art date
Application number
PCT/CN2015/084569
Other languages
English (en)
Chinese (zh)
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 CN201580012812.0A priority Critical patent/CN106462836A/zh
Priority to PCT/CN2015/084569 priority patent/WO2017012002A1/fr
Priority to CA2993529A priority patent/CA2993529A1/fr
Publication of WO2017012002A1 publication Critical patent/WO2017012002A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G06Q20/127—Shopping or accessing services according to a time-limitation

Definitions

  • the present invention relates to the field of electronic commerce, and in particular, to a method for setting an electronic voucher, a method for processing data interaction, a device thereof, and a system.
  • the entire transaction process mainly relies on traditional payment methods, such as electronic direct transfer payment and third-party payment.
  • traditional payment methods such as electronic direct transfer payment and third-party payment.
  • the form of the transaction is too singular, lacks personalization, and cannot be customized. And once the transaction begins, you cannot modify the parameters of its payment method, such as the validity period.
  • An object of the embodiments of the present invention is to provide a method for setting an electronic voucher, an apparatus, and a system thereof, which can set an expiration date of an electronic voucher as needed.
  • the first technical solution adopted by the embodiment of the present invention is to provide a method for setting an electronic voucher, including: after the first participation direction sends the electronic voucher to the first fund management server, The first fund management server sends a setting request of the electronic voucher, wherein the setting request includes validity period information of the electronic voucher to be set; the first fund management server determines the content in response to the setting request When the setting request meets the predetermined setting condition, the validity period of the electronic voucher is reset according to the to-be-set validity period information; the first fund management server freezes the correspondence in the first participant-designated account in response to the opening request The funds of the same amount carried by the opening request or the credits of the first participant's designated account equal to the amount carried by the opening request, and the electronic voucher being opened.
  • the second technical solution adopted by the embodiment of the present invention is to provide a method for setting an electronic voucher, the method comprising: receiving, by the first fund management server, the opening of the first party to send the electronic voucher a setting request of the electronic voucher sent after the request, wherein the setting request includes the expiration date information of the electronic voucher to be set; and in response to the setting request, when determining that the setting request meets a predetermined setting condition, according to the Resetting the validity period information to reset the validity period of the electronic voucher; and in response to the opening request, freezing the funds in the first participant designated account that are equal to the amount carried by the opening request or using the first The participant specifies a credit in the account equal to the amount carried by the opening request, and opens the electronic certificate.
  • the third technical solution adopted by the embodiment of the present invention is to provide a setting system for an electronic voucher, comprising: a first participating terminal, configured to send an opening request of the electronic voucher to the first fund management server And sending the setting request of the electronic voucher to the first fund management server, where the setting request includes the expiration date information of the electronic voucher to be set; the first fund management server is configured to respond to the Setting a request, and when determining that the setting request meets a predetermined setting condition, resetting an expiration date of the electronic voucher according to the to-be-set validity period information, and freezing the first participating terminal user specified account in response to the opening request
  • the funds equal to the amount carried by the opening request or the credits in the first participating terminal user designated account that are equal to the amount carried in the opening request, and the electronic voucher is opened.
  • the fourth technical solution adopted by the embodiment of the present invention is to provide a fund management server, including: a receiving module, configured to receive a location sent by the first participating terminal after sending an opening request of the electronic credential The setting request of the electronic voucher, wherein the setting request includes the expiration date information of the electronic voucher to be set; the setting module, configured to respond to the setting request, when determining that the setting request meets a predetermined setting condition, according to the The expiration date information is set to reset the validity period of the electronic voucher; the opening module is configured to freeze, in response to the opening request, the funds in the designated account of the first participating terminal that are equal to the amount carried by the opening request Or granting a credit equal to the amount carried in the opening request in the first participating terminal user designated account, and opening the electronic certificate.
  • the first participant may send the validity period of the electronic voucher to the first fund management server according to the needs of the first asset management server during the process of opening the electronic voucher.
  • the first fund management server resets the validity period of the electronic voucher according to the setting request of the first participant, after determining that the setting request is valid, thereby realizing the effective period of setting the electronic voucher effectively and on demand, because the electronic
  • the voucher is opened by freezing the corresponding amount of funds of the first party or by using the corresponding amount of credit, so it can be used as a voucher for online transactions, which reduces the risk of online transactions, and when the first party needs to modify the electronic voucher
  • the validity period is expired, the electronic voucher does not need to be re-opened, which simplifies the operation, thereby improving the efficiency of the transaction, accelerating the e-commerce activities, and improving the user experience.
  • the electronic voucher is opened by the fund management server. Based on the solid strength and counter-force of the fund management server, the self-discipline of
  • An object of the embodiments of the present invention is to provide a data interaction processing method and system.
  • the fifth technical solution adopted by the embodiment of the present invention is to provide a data interaction processing method, where the method includes: after the first terminal sends a request for opening a data credential to the first server, The first server sends a setting request of the data credential, wherein the setting request includes a validity period information of the data credential to be set; and the first server determines that the setting request meets a predetermined schedule in response to the setting request When the condition is set, the validity period of the data credential is reset according to the to-be-set validity period information; the first server establishes a request with the opening in the data unit of the first terminal in response to the opening request Carrying data association relationships with equal data values and opening the data credentials.
  • the sixth technical solution adopted by the embodiment of the present invention is to provide a data interaction processing system, including: a first terminal, after sending a request for opening a data credential to a first server, to The first server sends a setting request of the data credential, wherein the setting request includes a validity period information of the data credential to be set; the first server is configured to determine the setting in response to the setting request When the request meets the predetermined setting condition, the validity period of the data certificate is reset according to the to-be-set validity period information, and the opening request is carried in the data unit with the first terminal in response to the opening request.
  • the data values are equal in size to the data association relationship and the data credentials are opened.
  • the first terminal may send a setting request for the validity period of the data credential to the first server according to the requirements of the first server, and the first server determines, according to the requirement, that the setting request is valid, according to the first terminal.
  • the setting request sets the validity period of the data credential, so that the validity period of the valid and on-demand data credential is realized, and since the data association relationship between the server and the first terminal is established in the process of opening the data credential, The online data interaction is realized, and when the first terminal needs to modify the validity period of the data certificate, the data voucher does not need to be re-opened, which simplifies the operation, thereby improving the efficiency of online data interaction and improving the user experience.
  • the data credential is opened, which facilitates the arrangement and use of the data by the first terminal, thereby improving data utilization. rate.
  • FIG. 1 is a schematic flow chart of an embodiment of a method for setting an electronic voucher according to the present invention
  • FIG. 2 is a schematic flow chart of another embodiment of a method for setting an electronic voucher according to the present invention.
  • FIG. 3 is a schematic structural diagram of an embodiment of a setting system of an electronic voucher according to the present invention.
  • FIG. 4 is a schematic structural diagram of another embodiment of a setting system of an electronic voucher according to the present invention.
  • FIG. 5 is a schematic structural diagram of an embodiment of a money management server according to the present invention.
  • FIG. 6 is a schematic flowchart of an embodiment of a data interaction processing method according to the present invention.
  • FIG. 7 is a schematic structural diagram of an embodiment of a data interaction processing system according to the present invention.
  • the electronic voucher is the electronic credit commitment voucher that the first participant applies to the first fund management server and is opened by the first fund management server with the account fund or the credit line as the margin, and promises to settle according to the agreed conditions.
  • the credit line is, for example, a credit amount given to the first party by the first money management server, or a fund corresponding to the real property mortgaged by the first party at the first money management server.
  • the electronic voucher is used for online fund management of the first participant and the second participant, such as a commodity or service transaction of the first participant and the second participant, or a mortgage guarantee, such as the first participation direction first fund management server
  • An electronic voucher is issued as a guarantee for the second participant's loan.
  • FIG. 1 is a schematic flow chart of an embodiment of a method for setting an electronic voucher according to the present invention.
  • the method flow shown in this embodiment includes:
  • the first fund management server After the first participation direction sends the electronic voucher to the first fund management server, the first fund management server sends a setting request of the electronic voucher to the first fund management server, where the setting request includes the validity period of the electronic voucher to be set. information.
  • the first participant when the first participant and the second participant request to form an order based on the second participant commodity or when the order is prepared, the first participant requests the first fund management server to open the electronic certificate. .
  • the opening request includes the amount of the electronic voucher, the identity information of the first party, the payment account information, and the like.
  • the first fund management server after receiving the opening request of the first participant, the first fund management server generates pre-crowding information including the content of the opening request, and sends the information to the first participant to obtain the first participation. After confirming the information, the e-voucher will be opened.
  • the opening request may further include information of the second party of the electronic certificate, that is, the information of the second party, such as contact telephone number, email address, ID number, and social account information such as micro signal and QQ number, so as to facilitate The second party receives the electronic certificate in time. It can be understood that, in another embodiment, the opening request may not include the information of the recipient, and any party that obtains the electronic voucher information may be the recipient of the electronic voucher.
  • the first fund management server initializes the validity period of the electronic voucher according to the preset validity period of the local storage in the process of opening the electronic voucher according to the opening request of the first party, or the opening request further includes the original expiration date information.
  • the first money management server initializes the validity period of the electronic certificate according to the original validity period information.
  • the validity period setting request of the electronic voucher is sent to the first fund management server, so that the first fund management server modifies the validity period of the electronic voucher according to the setting request. .
  • the specific step of the first participant in sending the request for sending the electronic voucher to the first fund management server to the setting request for sending the electronic voucher may further include the following steps:
  • the first participant sends a request for opening an electronic voucher to the first money management server
  • the first fund management server generates pre-crowding information including the original validity period information in response to the opening request, and sends the pre-issuance information to the first participant;
  • the original validity period information in the pre-issuance information may be carried in the opening request or pre-stored locally by the first fund management server. Specifically, when the opening request includes the identity information of the first participant, the first fund management server generates the information including the original validity period in response to the opening request when the identity information of the first participant is verified.
  • the pre-certification information, wherein the verification of the identity information of the first participant may include that the first participant has an account associated with the first fund management server, and the identity information of the first participant is valid, and / or the first party has no bad credit history or is a whitelisted user.
  • the first fund management management server may further determine, according to the identity information of the first participant, whether the first participant belongs to a special group, such as a minor, and when the group belongs to a special group, whether the amount of the electronic voucher corresponding to the judgment application is The maximum amount of the group is met. For example, if the number of electronic commitment certificates for which minors are prohibited from applying is more than 2000, if it is met, the verification will be passed.
  • the first participant obtains the original validity period information in the pre-issuance information, and sends a setting request of the electronic credential to the first fund management server. For example, if the first participant determines that the original validity period information is incorrect or needs to reset the validity period information of the electronic certificate for other reasons, the setting request is sent.
  • the first fund management server in response to the setting request, resets an expiration date of the electronic voucher according to the to-be-set validity period information when determining that the setting request meets a predetermined setting condition.
  • the setting request includes an identifier of the electronic voucher and an expiration date to be set.
  • the first funds server determines, according to the identifier, an electronic voucher that needs to set a validity period, and determines that the to-be-set validity period information in the setting request is an effective date, and resets the validity period of the electronic voucher to the valid period information to be set.
  • the predetermined setting condition may be adjusted according to a specific situation, for example, the sending time of the setting request does not exceed the settable date of the validity period of the electronic voucher, which is not limited herein.
  • the electronic voucher is pre-divided into a plurality of functional periods according to the transaction process.
  • the electronic voucher includes a collection period, a performance period, a receipt period, a settlement period, and a clearing period according to the time series.
  • the period of receipt is the period of application for the second party to apply for the certificate. If the certificate is not applied for the time limit, the electronic certificate will be invalid.
  • the electronic certificate will enter the performance period; the performance period will be the second party to submit the performance information such as delivery information.
  • the time limit if the performance information is not submitted after the deadline, the electronic voucher will be invalid, and the electronic voucher will enter the signing period after the performance of the performance information; the signing period is the deadline for the second party to request the thaw and obtain the funds of the first party and the e-voucher. If the application fails to submit the application for cancellation information, such as the receipt information, the electronic voucher is invalid, and the electronic voucher enters the settlement period after the application for the settlement information; the settlement period is for the request of the second participant, and the first fund management server unfreezes the The first participant's funds equal to the electronic voucher amount are transferred to the second participant through the second fund management server.
  • the total validity period of the electronic voucher is the total validity period of the electronic voucher in the transaction process, and the total validity period is greater than or equal to the sum of the validity periods of the functional periods of the electronic voucher.
  • the validity period of the above electronic voucher may be an absolute date, such as the total expiration date is 2015, the more 12 days; or the relative time, such as 30 days after the successful opening of the electronic voucher.
  • the to-be-set validity period information of the electronic voucher in the setting request includes a total expiration date of the electronic voucher, an expiration date of each of the functional periods of the electronic voucher, and setting a priority information of the total expiration date. And setting the priority information of the validity period of each functional period.
  • the step of resetting the validity period of the electronic voucher according to the to-be-set validity period information may specifically include:
  • the first fund management server determines that the priority of the validity period of each function period is higher than the priority of the set total validity period, according to the to-be-set validity period information, first resetting each functional period of the electronic certificate And validating the total validity period of the electronic voucher; when determining that the priority of the set total expiration date is higher than the priority of setting the expiration date of each functional period, according to the to-be-set validity period information, first resetting the The total validity period of the electronic voucher, and then the validity period of each functional period of the electronic voucher is reset.
  • the validity period information of the electronic voucher a includes the total validity period of the electronic voucher a being 30 days, the eligibility period of the electronic voucher a being 1 day, the performance period being 7 days, the signing period being 7 days, the settlement period being 1 day, and liquidation The period is the remaining valid days, the priority of setting the total validity period is lower than the priority of setting the validity period of each functional period.
  • the first fund management server first resets the certificate period, the performance period, the signing period, the settlement period, and the liquidation period of the electronic certificate a to one day, seven days, seven days, according to the validity period information of the electronic certificate a. 1 day, 14 days, and then reset the electronic voucher a total validity period is 30 days.
  • the step of resetting the validity period of each functional period of the electronic voucher includes: resetting the validity period of each functional period of the electronic voucher to the corresponding functional period in the to-be-set validity period information
  • the validity period is added to the remaining validity period of the previous functional period, wherein the remaining validity period of the previous functional period is the difference between the reset validity period of the previous functional period and the actual completion period of the previous functional period.
  • the validity period information of the electronic voucher a is as an example.
  • the first fund management server resets the validity period of the first functional period to one day, and the validity period of the remaining functional periods is set to be dynamic, when the second The participation time of the participants is 0.5 days, and the remaining 0.5 days is accumulated in the performance period, that is, the performance period is 7.5 days.
  • the second party submits the performance information after 3 days, the remaining 4.5 days Accumulated to the signing period, that is, the signing period is valid for 11.5 days, and so on.
  • the first fund management server freezes, in response to the opening request, the funds in the first participant designated account that are equal to the amount carried by the opening request or the use in the first participant specified account
  • the credit is equal to the amount carried by the opening request, and the electronic voucher is opened.
  • the first fund management server determines that the amount of funds/credit of the first party designated account is not less than the amount carried by the opening request, and freezes the first The funds in the designated account of the participant that are equal to the amount carried in the opening request or the credits in the designated account of the first participant that are equal to the amount carried in the opening request, and according to the opening request
  • the content is set to the electronic voucher, and the electronic voucher is opened, wherein the expiration date of the electronic voucher is the expiration date of the electronic voucher reset by the above 102.
  • the funds/credit of the first participant designated account are not limited to be opened or stored by the fund management server.
  • the frozen funds/credits specify the account of the first party to the first fund management server or other fund management server, or the credit amount given to the first party designated account, or the first party designated account The funds corresponding to the mortgaged real estate.
  • the first fund management server After completing the opening of the electronic voucher, the first fund management server transmits the electronic voucher information to the first participant.
  • the first fund management server sends a validity period setting request of the electronic voucher to the first fund management server, where
  • the validity period information of the electronic voucher to be set includes the total validity period of 30 days and the validity period of each functional period are 1, 7, 7, 1, and 1, respectively.
  • the first fund management server sets the validity period of the electronic voucher according to the information of the validity period to be set, and freezes the funds of 100,000 on the designated account of the first party, and opens a quota of 100,000.
  • Electronic voucher is
  • the electronic voucher information is sent to the second party, and the second party participates in the agreement, and then requests the second fund management server to receive the certificate, and the second fund management
  • the server according to the receipt request, notifies the first fund management server to unfreeze the 100,000 funds under the designated account of the first participant, and transfers the 100,000 funds to the designated account of the second participant, thereby realizing the transaction-based line. Fund management.
  • the first fund management server is an account fund management server of the first participant
  • the second fund management server is an account fund management server of the second participant.
  • the first money management server may be a money management server of the first bank
  • the second money management server may be a money management server of the second bank.
  • the first money management server and the second money management server may also be the same money management server.
  • the first participant and the second participant are a client or a terminal executing the client, and correspondingly, the designated account of the first participant is an account designated by the first participant user, and the designated account of the second participant is The account specified for the second participant user.
  • the electronic voucher may refer to an electronic credit commitment payment voucher that the bank freezes funds according to the application of the issuer or uses the credit line and opens in the name of the bank, and promises to settle according to the agreed conditions.
  • the basic business process of the electronic voucher is: the issuing bank freezes the required amount of funds according to the issuer's application to open the electronic voucher, and when the agreed settlement condition is reached, the issuing bank will solve the payment and settle the payment.
  • the above embodiment only exemplifies the manner in which the first participant resets the validity period of the electronic voucher at the time of the electronic voucher opening process, but in other embodiments, the first participant may The validity period of the electronic voucher is reset multiple times.
  • FIG. 2 is a schematic flowchart diagram of another embodiment of a method for setting an electronic voucher according to the present invention.
  • the method flow shown in this embodiment includes:
  • the first fund management server receives a setting request of the electronic voucher sent by the first participant after sending the opening request of the electronic voucher, wherein the setting request includes the expiration date information of the electronic voucher to be set.
  • the opening request includes the amount of the electronic voucher, the identity information of the first party, the payment account information, and the like.
  • the opening request may further include information of the second party of the electronic certificate, that is, the second party, so that the second party can receive the electronic certificate in time.
  • the request to open may not include the information of the recipient. In this case, any party who obtains the electronic voucher information may be the recipient of the electronic voucher.
  • the foregoing 201 may specifically include the following steps:
  • the first fund management server receives the opening request of the electronic voucher sent by the first participant;
  • the first fund management server generates pre-crowding information including the original validity period information in response to the opening request, and sends the pre-issuance information to the first participant;
  • the original validity period information in the pre-issuance information may be carried in the opening request or pre-stored locally by the first fund management server. Specifically, when the opening request includes the identity information of the first participant, the first fund management server generates the information including the original validity period in response to the opening request when the identity information of the first participant is verified. Pre-certification information.
  • the first fund management server receives a setting request of the electronic voucher sent by the first participant after obtaining the original validity period information in the pre-issuance information.
  • the first fund management server in response to the setting request, resets the validity period of the electronic voucher according to the to-be-set validity period information when determining that the setting request meets a predetermined setting condition.
  • the predetermined setting condition is that the validity period information to be set in the setting request is the effective date, or the sending time of the setting request does not exceed the settable date of the validity period of the electronic certificate, and the like, which is not limited herein.
  • the validity period of the above electronic voucher may be an absolute date, such as the total expiration date is 2015, the more 12 days; or the relative time, such as 30 days after the successful opening of the electronic voucher.
  • the to-be-set validity period information of the electronic voucher in the setting request includes a total expiration date of the electronic voucher, an expiration date of each of the functional periods of the electronic voucher, and setting a priority information of the total expiration date. And setting the priority information of the validity period of each functional period.
  • the step of resetting the validity period of the electronic voucher according to the to-be-set validity period information may specifically include: determining, by the first fund management server, that a priority period of each functional period is higher than a priority of the set total validity period And, according to the validity period information to be set, first resetting the validity period of each functional period of the electronic voucher, and then resetting the total validity period of the electronic voucher; determining that the setting of the total validity period has a higher priority than the When the priority of each functional period is set, according to the validity period to be set, the total validity period of the electronic certificate is first reset, and then the validity period of each functional period of the electronic certificate is reset.
  • the step of resetting the validity period of each functional period of the electronic voucher includes: resetting the validity period of each functional period of the electronic voucher to the corresponding functional period in the to-be-set validity period information
  • the validity period is added to the remaining validity period of the previous functional period, wherein the remaining validity period of the previous functional period is the difference between the reset validity period of the previous functional period and the actual completion period of the previous functional period.
  • the first fund management server freezes, in response to the opening request, the funds in the first participant designated account that are equal to the amount carried in the opening request or in the specified account of the first participant.
  • the credit is equal to the amount carried by the opening request, and the electronic voucher is opened.
  • the first fund management server determines that the amount of funds/credit of the first party designated account is not less than the amount carried by the opening request, and freezes the first The participant specifies the funds in the account equal to the amount carried by the opening request or the credits in the first participant designated account that are equal to the amount carried in the opening request.
  • the first fund management server is an account fund management server of the first participant
  • the second fund management server is an account fund management server of the second participant.
  • the first money management server may be a money management server of the first bank
  • the second money management server may be a money management server of the second bank.
  • the first money management server and the second money management server may also be the same money management server.
  • the first participant and the second participant are a client or a terminal executing the client, and correspondingly, the designated account of the first participant is an account designated by the first participant user, and the designated account of the second participant is The account specified for the second participant user.
  • FIG. 3 is a schematic structural diagram of an embodiment of an electronic voucher setting system according to the present invention.
  • the device included in the electronic voucher setting system of the embodiment is used to execute the steps in the embodiment corresponding to FIG.
  • the corresponding embodiments of FIG. 1 and FIG. 1 are not described herein.
  • the setting system 400 of the electronic voucher of the present embodiment includes a first participant terminal 401 and a first fund management server 402.
  • the first participating terminal 401 is configured to send the setting request of the electronic voucher to the first fund management server 402 after sending the opening request of the electronic voucher to the first fund management server 402, where the setting request includes The validity period information of the electronic voucher to be set;
  • the first money management server 402 is configured to: in response to the setting request, when determining that the setting request meets a predetermined setting condition, reset an expiration date of the electronic voucher according to the to-be-set validity period information, and respond to the opening request And freezing the funds in the user-specified account of the first participating terminal 401 that are equal to the amount carried by the opening request or using the amount of the first participating terminal user-specified account that is carried by the opening request. Credit and open the electronic voucher.
  • system further includes a second participant terminal 403 and a second money management server 404.
  • the second participating terminal 403 After receiving the electronic credential information sent by the first participating terminal 401, the second participating terminal 403 sends a confirmation request to the second fund management server 404;
  • the second fund management server 404 is configured to notify the first fund management server 402 to unfreeze the funds or credits in the user-specified account of the first participating terminal 401 that are equal to the amount of the electronic voucher according to the receipt request, and the thawed The funds with the same amount of funds or credits are transferred to the user designated account of the second participating terminal 403.
  • FIG. 5 is a schematic structural diagram of an embodiment of a money management server according to the present invention.
  • the modules included in the fund management server of this embodiment are used to execute the steps in the embodiment corresponding to FIG. 2 .
  • the server 500 includes: a receiving module 501, a setting module 502, and an opening module 503.
  • the receiving module 501 is configured to receive a setting request of the electronic voucher sent by the first participating terminal after sending the opening request of the electronic voucher, where the setting request includes the expiration date information of the electronic voucher to be set;
  • the setting module 502 is configured to reset the validity period of the electronic voucher according to the to-be-set validity period information when determining that the setting request meets a predetermined setting condition in response to the setting request;
  • the opening module 503 is configured to, in response to the opening request, freeze the funds in the first participating terminal user specified account that are equal to the amount carried by the opening request or use the first participating terminal user designated account The credit in the same amount as the opening request is carried out, and the electronic voucher is opened.
  • the first participant may send the validity period of the electronic voucher to the first fund management server according to the needs of the first asset management server during the process of opening the electronic voucher.
  • the first fund management server resets the validity period of the electronic voucher according to the setting request of the first participant, after determining that the setting request is valid, thereby realizing the effective period of setting the electronic voucher effectively and on demand, because the electronic
  • the voucher is opened by freezing the corresponding amount of funds of the first party or by using the corresponding amount of credit, so it can be used as a voucher for online transactions, which reduces the risk of online transactions, and when the first party needs to modify the electronic voucher
  • the validity period is expired, the electronic voucher does not need to be re-opened, which simplifies the operation, thereby improving the efficiency of the transaction, accelerating the e-commerce activities, and improving the user experience.
  • the electronic voucher is opened by the fund management server.
  • the self-discipline of the second participant will be strengthened to cope with the whole process, and the risk will be further reduced.
  • the invention also enriches the diversity of online fund management and enriches the transaction method.
  • FIG. 6 is a schematic flowchart diagram of an embodiment of a data interaction processing method according to the present invention.
  • the method flow shown in this embodiment includes:
  • the first terminal After the first terminal sends an open request for the data credential to the first server, send the setting request of the data credential to the first server, where the setting request includes the validity period information of the data credential to be set. .
  • the data credential of the present invention can be defined as a quantification tool for pre-established data association relationship between the first terminal and the first server. That is, the data voucher is used to indicate the amount of data that has been established in the data association relationship between the first terminal and the first server. For example, if a data association relationship of 100,000 data is established in advance between the first terminal and the first server, The data voucher is a representation of the 100,000.
  • the opening request includes a data value represented by the data voucher, identification information of the first terminal, and the like.
  • the opening request may further include the identification information of the second terminal of the data certificate, that is, the second terminal, so that the second terminal receives the data certificate in time.
  • the request to open may not include the information of the recipient. In this case, any end user who obtains the data credential information may be the recipient of the data voucher.
  • the foregoing 601 may specifically include the following steps:
  • the first server generates the pre-issuance information including the original validity period information in response to the opening request, and sends the pre-issuance information to the first terminal;
  • the original validity period information in the pre-issuance information may be carried in the opening request or pre-stored locally by the first server. Specifically, when the opening request includes the identification information of the first terminal, the first server generates a pre-certification including the original validity period information in response to the opening request when the identification information of the first terminal is verified. information.
  • the first terminal After obtaining the original validity period information in the pre-issuance information, the first terminal sends a setting request of the data credential to the first server.
  • the first server responds to the setting request, and when determining that the setting request meets a predetermined setting condition, resetting the validity period of the data certificate according to the to-be-set validity period information.
  • the predetermined setting condition is that the validity period information to be set in the setting request is the effective date, or the sending time of the setting request does not exceed the settable date of the validity period of the data certificate, and the like, which is not limited herein.
  • the validity period of the above data voucher may be an absolute date, such as the total expiration date is 2015, the more 12 days; or the relative time, such as 30 days after the successful completion of the data voucher.
  • the to-be-set validity period information of the data credential in the setting request includes a total expiration date of the data credential, an expiration date of each of the functional periods of the data credential, and setting a priority information of the total expiration date. And setting the priority information of the validity period of each functional period.
  • the step of resetting the validity period of the data credential according to the to-be-set validity period information may specifically include: when the first server determines that the priority period of each function period is higher than the priority of the set total expiration date And according to the validity period information to be set, first resetting the validity period of each functional period of the data credential, and then resetting the total validity period of the data credential; determining that the set total expiration date has a higher priority than the setting
  • the validity period of each functional period is prioritized, the total validity period of the data voucher is first reset according to the expiration date information to be set, and then the validity period of each functional period of the data voucher is reset.
  • the step of resetting the validity period of each functional period of the data voucher includes: resetting the validity period of each functional period of the data credential to the corresponding functional period in the to-be-set validity period information
  • the validity period is added to the remaining validity period of the previous functional period, wherein the remaining validity period of the previous functional period is the difference between the reset validity period of the previous functional period and the actual completion period of the previous functional period.
  • the setting manner is similar to the setting manner in the embodiment of the foregoing electronic document setting method, and details are not described herein.
  • the first server establishes, in response to the opening request, a data association relationship equal to a size of a data value carried in the opening request in the data unit of the first terminal, and opens the data certificate.
  • the first server After receiving the opening request of the first terminal, and determining that the data value in the data unit of the first terminal is not less than the data value carried in the opening request, the first server establishes with the first terminal and the Opening a data association relationship with equal data values carried by the request, and setting the data voucher according to the content of the opening request, completing the opening of the data voucher.
  • the first terminal is a terminal used by the user A
  • the second terminal is a terminal used by the user B.
  • User A is the administrator of multiple clients and has a corresponding password for each client to perform administrator privileges.
  • 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 user B requests to obtain the password of the administrator authority of one of the clients A, such as the first client
  • the user A requests the first server to open the data certificate.
  • the user password of the user A is saved in the first server.
  • the data credential may be an operation log, such as the number of operations, when the user A manages the first client, to prove the security and reliability of the user A.
  • the user A In the process of the first server opening the data credential, the user A needs to modify the valid time of the user B to obtain the administrator authority flow of the first client, and then sends the validity period of the modified data credential to the first server, and the first server determines the user A. If the setting request is reasonable, the validity period of the data certificate is set according to the request of the user A. After the first server completes the opening of the data credential, the user A cannot change the validity period of the data credential. At this time, the first server freezes the user right of the user A to the first client according to the related content of the data credential, that is, the user. A will not be able to manage the first client with the corresponding password. At the same time, the first server sends the data credential information to the user B.
  • the first server When the user B needs to obtain the password of the administrator authority of the first client, the first server sends a request for obtaining the password, and the second server obtains the password of the administrator authority of the first client according to the related content of the data credential, and passes the password.
  • the first server sends to user B.
  • the data in which the first terminal establishes an association relationship with the first server may also be text data, audio data, video data, program data, or capital data in a financial field, and if it is fund data, such as funds, the first time is
  • fund data such as funds
  • the first time is
  • the end user can be the seller, the second end user can be the buyer, and the server is the money management server, for example, a bank.
  • the first terminal and the second terminal may be a client having a multimedia playing function, such as a mobile phone, and the server is a music website server.
  • FIG. 7 is a schematic structural diagram of an embodiment of a data interaction system according to the present invention.
  • the apparatus included in the data interaction processing system of this embodiment is used to execute the steps in the embodiment corresponding to FIG. 6.
  • the data interaction system 700 of the present embodiment includes a first terminal 701 and a first server 702.
  • the first terminal 701 is configured to send, to the first server 702, a setting request of the data credential after sending an open request for the data credential to the first server 702, where the setting request includes the data credential The validity period information to be set;
  • the first server 702 is configured to respond to the setting request, when determining that the setting request meets a predetermined setting condition, set an expiration date of the data voucher according to the to-be-set validity period information, and establish in response to the opening request And a data association relationship between the data unit of the first terminal 702 and the data value carried by the open request, and the data certificate is opened.
  • the system 700 can also include:
  • a second terminal 703, configured to receive the data credential
  • the second server 704 is configured to notify the first server 702 to release the data association relationship with the data value of the data credential between the first terminal 701 according to the receiving request of the second terminal 703, and the first terminal is The data having the same data value of the data voucher in the data unit of 701 is transferred to the data unit of the second terminal 703.
  • the present invention also provides another embodiment of a data interaction processing method, the method comprising:
  • the first server receives a setting request of the data credential sent by the first terminal after sending the opening request of the data credential, wherein the setting request includes the expiration date information of the data credential to be set.
  • the first server in response to the setting request, resets the validity period of the data voucher according to the to-be-set validity period information when determining that the setting request meets a predetermined setting condition.
  • the first server establishes, in response to the opening request, a data association relationship equal to a size of a data value carried in the opening request in the data unit of the first terminal, and opens the data certificate.
  • the present invention also provides an embodiment of a data interaction processing apparatus, the apparatus comprising:
  • a receiving module configured to receive a setting request of the data credential sent by the first terminal after sending an open request of the data credential, where the setting request includes the expiration date information of the data credential to be set;
  • a setting module configured to reset an expiration date of the data voucher according to the to-be-set validity period information, when determining that the setting request meets a predetermined setting condition in response to the setting request;
  • an opening module configured to establish, in response to the opening request, a data association relationship equal to a size of a data value carried in the opening request in the data unit of the first terminal, and open the data certificate.
  • the first terminal may send a setting request of the validity period of the data credential to the first server according to the requirements of the first server in the process of opening the data credential according to the requirements of the first server, and the first server determines that the setting request is valid, Setting the validity period of the data credential according to the setting request of the first terminal, so that the validity period of the valid and on-demand data credential is realized, because the corresponding data value between the server and the first terminal is established in the process of opening the data credential
  • the data association relationship is implemented, so that the online data interaction is realized, and when the first terminal needs to modify the validity period of the data certificate, the data voucher does not need to be re-opened, which simplifies the operation, thereby improving the efficiency of online data interaction. Improve the user experience.
  • the data credential is opened, which facilitates the arrangement and use of the data by the first terminal, thereby improving data utilization. rate.

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Abstract

La présente invention concerne un procédé d'établissement de certificat électronique, un procédé de traitement d'interaction de données ainsi qu'un dispositif et un système associés. Le procédé d'établissement de certificat électronique comprend les étapes suivantes : après l'envoi d'une demande d'ouverture d'un certificat électronique à un premier serveur de gestion de fonds, un premier participant envoie une demande d'établissement pour le certificat électronique au premier serveur de gestion de fonds, la demande d'établissement comprenant des informations d'une période de validité à définir pour le certificat électronique (101) ; en réponse à la demande d'établissement, le premier serveur de gestion de fonds, lors d'une détermination que la demande d'établissement satisfait une condition d'établissement prédéterminée, redéfinit une période de validité du certificat électronique selon les informations de la période de validité à définir (102) ; en réponse à la demande d'ouverture, le premier serveur de gestion de fonds gèle des fonds dans un compte spécifié du premier participant qui sont égaux à une limite transportée par la demande d'ouverture ou prend en charge un crédit dans le compte spécifié du premier participant qui est égal à la limite transportée par la demande d'ouverture, et ouvre le certificat électronique (103). Via les moyens décrits, la période de validité du certificat électronique peut être définie selon les exigences.
PCT/CN2015/084569 2015-07-21 2015-07-21 Procédé d'établissement de certificat électronique, procédé de traitement d'interaction de données, et dispositif et système associés WO2017012002A1 (fr)

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CN201580012812.0A CN106462836A (zh) 2015-07-21 2015-07-21 电子凭证的设置方法、数据交互处理方法及其装置、系统
PCT/CN2015/084569 WO2017012002A1 (fr) 2015-07-21 2015-07-21 Procédé d'établissement de certificat électronique, procédé de traitement d'interaction de données, et dispositif et système associés
CA2993529A CA2993529A1 (fr) 2015-07-21 2015-07-21 Procede d'etablissement de certificat electronique, procede de traitement d'interaction de donnees, et dispositif et systeme associes

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