WO2017012003A1 - Online funds management method, data interaction processing method, and device and system therefor - Google Patents

Abstract

An online funds management method, a data interaction processing method, and a device and system therefor, the online funds management method comprising: a first terminal sends a return request for a received bank credit certificate to a first funds management server (S11); the first funds management server responds to the return request, and upon determining that the bank credit certificate is in a returnable state, sends a return notification for the bank credit certificate to a second funds management server (S12); according to the return notification, the second funds management server unfreezes funds or a credit limit, in an account of a second terminal user, equal to the value of the bank credit certificate (S13). The described means implement the return of transaction funds when a transaction fails, and neither of the parties of the transaction is required to provide account information of the other party.

Description

Online fund management method, data interaction processing method, device and system thereof

[Technical Field]

The invention relates to the field of electronic commerce, in particular to an online fund management method, a data interaction processing method, an apparatus and a system thereof.

 【Background technique】

With the development of Internet technologies, especially mobile Internet technologies, users can use the 2G, 3G, 4G or wifi to connect to the Internet for transactions, social activities, etc. Through Internet technology, users can conveniently and effectively carry out online activities. This is an incomparable experience offline. However, in the process of conducting an online transaction, if the transaction cannot be completed due to goods or other reasons, the payment of the funds needs to be refunded. Therefore, it is necessary to provide an online based trading method and return the trading funds when the transaction fails.

Further, since the user can implement data interaction in various ways through the Internet, it is necessary to provide an online data interaction processing method.

 [Summary of the Invention]

The object of the present invention is to provide an online fund management method, so as to realize that the transaction funds can be returned when the transaction fails, and the parties need not provide the other party account information.

The invention provides an online fund management method, the method comprising: the first terminal sending a return request of the received silver credit to the first fund management server; wherein the silver credit is a second terminal The user's account fund or credit line is applied as a deposit to the second fund management server and generated by the second fund management server; the first fund management server responds to the return request and determines that the bank letter is in a Returning, in the returning state, the return notification of the silver credit to the second fund management server; the second fund management server unfreezing the account of the second terminal user and the value of the silver credit according to the return notification Fund or credit line.

Another online fund management method provided by the present invention, the method includes: receiving, by the first fund management server, a return request of the received silver credit sent by the first terminal; wherein the silver credit is the The second terminal applies to the second fund management server by the account fund or the credit line of the user as the deposit and is generated by the second fund management server; and when the bank card is judged to be in a returnable state, the second terminal is notified The second fund management server unfreezes the funds or credit lines of the second terminal user's account equal to the value of the silver credit.

The online fund management method provided by the present invention, the method includes: the second fund management server receives a return notification of the silver credit card sent by the first fund management server in response to the return request of the first terminal, wherein The bank certificate is applied to the second fund management server by the second terminal with the account fund or the credit line of the user as the margin and is generated by the second fund management server; the account of the second terminal user is thawed and described A bank letter with the same amount of funds or credit line.

In the above online fund management method, after receiving the silver credit certificate applied by the second terminal to the second fund management server, the first terminal may send a return request of the silver credit card to the first fund management server, and the first fund management The server responds to the return request and, when determining that the silver credit card is in a retractable state, notifying the second fund management server to thaw the funds or credit lines of the frozen second terminal user's account equal to the value of the silver credit card, thereby realizing The first terminal flexibly refunds the silver credit card, and intelligently unfreezes the funds of the second terminal after the return, so that the transaction fund can be returned when the transaction fails, and the first terminal does not need to know the second terminal in the return process. The information is directly returned to the second terminal by the fund management server according to the silver letter certificate, which ensures the account information of the first and second terminals is safe and simplifies the refund operation. Moreover, the bank credit card is used to realize online fund management. Since the funds of the second terminal are only frozen before the payment is made, when the second terminal returns the bank letter, the second fund management server directly freezes the funds of the second terminal. Thawing can be done without involving the transfer of funds, which facilitates the operation of the online fund management.

Another object of the present invention is to provide a data interaction processing method, a data interaction system, and a data processing apparatus.

The data interaction processing method provided by the present invention includes: the first interaction direction sends a return request of the received data certificate to the first data management party, wherein the data certificate is the second interaction party and the second a quantification tool for pre-established data association relationship between data management parties; said first data management party transmitting said said data to said second data management party in response to said return request and determining that said data voucher is in a retractable state a return notification of the data voucher; the second data management party releases the data association relationship with the second interaction party that is equal in size to the data value of the data voucher according to the bounce notification.

Another data interaction processing method provided by the present invention, the method includes: the first data management party receives a return request of the received data certificate sent by the first interaction party, wherein the data certificate is a second interaction party a quantification tool for pre-established data association relationship with the second data management party; notifying the second data management party to release the interaction with the second interaction party when determining that the data voucher is in a retractable state The data relationship of the data voucher is equal in size.

A data interaction processing method provided by the present invention, the method comprising: the second data management party receiving a return notification of the data voucher sent by the first data management party in response to the return request of the second interaction party, wherein the data The voucher is a quantification tool for pre-established data association relationship between the second interaction party and the second data management party; and the data association relationship with the second interaction party is equal to the data value of the data voucher.

The present invention provides a data interaction processing system, the system includes: a second interaction terminal, configured to apply for a data credential to the second server;

The second server is configured to establish a data association relationship with the second interaction terminal in response to the application of the second interaction terminal, and generate a data value equal to the establishment data association relationship of the second interaction terminal. a data voucher of the data value; the first interaction terminal is configured to send a return request of the received data voucher to the first server; the first server is configured to respond to the bounce request and determine the data And sending, by the second server, a return notification of the data credential to the second server, where the voucher is in a retractable state, and the second server is further configured to release the The data relationship of the data voucher is equal in size.

The present invention provides a data interaction processing apparatus, the apparatus comprising: a receiving module, configured to receive a return request of a received data credential sent by a first interacting party, wherein the data credential is a second interacting party and a quantification tool for pre-establishing a data association relationship between the second data management parties; a notification module, configured to notify the second data management party to release the second interaction party when determining that the data voucher is in a retractable state A data association relationship between the data values of the data voucher is equal.

Another data interaction processing apparatus provided by the present invention, the apparatus includes: a receiving module, configured to receive a return notification of a data credential sent by the first data management party in response to a return request of the second interaction party, wherein the data The voucher is a quantization tool of a pre-established data association relationship between the second interaction party and the second data management party; and the release module is configured to release the data value from the second interaction party that is equal to the data value of the data voucher Data associations.

In the above data interaction processing method, the data interaction system, and the data processing device, the first interaction party may send the data certificate to the first data management party after receiving the data certificate applied by the second data management party in the first interaction direction. Returning the request, the first data management party responds to the return request and, when determining that the data credential is in a retractable state, notifying the second data management party to release the data value equal to the data credential with the second interacting party The data association relationship, in turn, enables the first interaction party to return the data voucher flexibly, and since the data of the second interaction party is not transferred to the first interaction party after the first interaction party obtains the data certificate, Therefore, the second data management party directly cancels the data association relationship of the second interaction party, and does not involve the actual transfer of the data, thereby reducing the data transmission amount, thereby improving the efficiency of data interaction. Moreover, in the data interaction process, the first and second data management parties are added to the interaction process, and after the first interaction party requests to return the data voucher, the data management party automatically cancels the data association relationship of the second interaction party, thereby enabling data interaction. Processing is more convenient and safe.

 [Description of the Drawings]

1 is a schematic flow chart of an online fund management method in a first embodiment of the present invention;

2 is a schematic diagram of an online fund management relationship in an embodiment of the present invention;

3 is a schematic flow chart of an online fund management method in a second embodiment of the present invention;

4 is a schematic flow chart of an online fund management method in a third embodiment of the present invention;

FIG. 5 is a schematic flowchart diagram of a data interaction processing method according to a first embodiment of the present invention; FIG.

6 is a schematic diagram of data interaction relationship in an embodiment of the present invention;

7 is a schematic flowchart diagram of a data interaction processing method in a second embodiment of the present invention;

8 is a schematic flowchart of a data interaction processing method in a third embodiment of the present invention;

9 is a schematic structural diagram of a data interaction processing system in an embodiment of the present invention;

FIG. 10 is a schematic structural diagram of a data interaction processing apparatus according to a first embodiment of the present invention; FIG.

11 is a schematic structural diagram of a data interaction processing apparatus in a second embodiment of the present invention.

【detailed description】

The present invention will be described in detail below with reference to the accompanying drawings and embodiments.

Please refer to FIG. 1 , which is a schematic flowchart diagram of an online fund management method according to a first embodiment of the present invention. Please refer to FIG. 2 together with the schematic diagram of the online fund management relationship. The method flow shown in this embodiment includes the following steps:

S11. The first terminal sends a return request of the received silver credit to the first fund management server.

Wherein, the bank credit certificate is an electronic credit commitment payment voucher that the second terminal applies to the second fund management server and is generated by the second fund management server with the user account funds or the credit line as the margin, and promises to settle according to the agreed conditions. . The credit amount is, for example, a credit amount given to the second end user by the second fund management server or a fund corresponding to the real property mortgaged by the second terminal user at the second fund management server. The silver credit card is used for online fund management of the first terminal and the second terminal, and the second terminal sends the silver credit information to the first terminal to obtain a corresponding commodity or service. If the transaction is successful, the first terminal requests the solution. In response to the settlement request, the second fund management server transfers the funds in the account of the second terminal user that is frozen by the first fund management server and the value of the bank certificate to the first terminal user through the first fund management server. In the account, if the transaction fails, the first terminal requests the first fund management server to return the bank certificate.

In this embodiment, the first fund management server is specifically an account management server of the first terminal, and the second fund management server is specifically an account management server of the second terminal.

S12. The first fund management server sends a return notification of the silver credit to the second fund management server in response to the return request and determining that the silver credit is in a returnable state.

The return request includes an identification code of the silver letter to be returned. The first fund management server stores information of all the silver credits received by the first terminal, including the identification code of the silver credit card, the initiator, the producer, and the current state information. The first fund management server locally retrieves the status information of the silver credit card corresponding to the identification code of the silver credit card carried in the return request, and determines whether the silver credit card is in a returnable state, and if so, the silver letter is sent to the bank The producer of the certificate sends a return notification of the silver credit, and can update the status information of the silver certificate stored locally to the returned status. If not, the notification of the non-return of the silver credit is sent to the first terminal.

Specifically, the status information of the silver credit includes the validity period of the silver credit and whether it is in a dissolving state, and the dissolving state is that the funds in the second terminal user's account equal to the value of the silver credit are thawed and issued. Give the first end user an account.

The above determining whether the silver credit card is in a retractable state is specifically determining whether the silver credit card exceeds the validity period and whether it is in a disbursement state.

If the silver credit card does not exceed the validity period and the silver credit card is not in the disbursement state, it is determined that the silver credit card is in a retractable state, and the first money management server updates the state information of the locally stored silver credit card to Returned to the state, and sent the return notification to the producer of the bank letter certificate, that is, the second fund management server;

If the silver credit card exceeds the validity period, the first money management server sends the silver credit certificate invalidation notification to the first terminal; if the silver credit card is in the dissolving state, the first money management server sends the first fund management server to the first terminal. The bank letter has been sent a notice.

S13. The second fund management server thaws the funds or the credit line of the second terminal user's account equal to the value of the bank credit according to the return notification.

Wherein, the return notification includes an identification code of the silver credit card. The second fund management server stores information of all the silver credits applied by the second terminal, including the identification code of the silver credit card, the initiator, the frozen funds or the credit line, and the current status information. The second fund management server locally retrieves the information of the silver letter certificate corresponding to the identification code of the silver letter certificate carried in the return notification, and according to the information of the bank letter certificate, the initiator of the bank letter certificate is the second of the above The amount of funds or authorization in the end user's account equal to the value of the silver letter.

Further, after receiving the return notification, the second fund management server further updates the status information of the locally stored silver credit to a returned status. And after thawing the funds or the authorized amount of the second terminal user's account equal to the value of the silver credit, sending the returned notification of the silver credit to the second terminal, so that the second terminal knows the silver credit Has been returned.

In the above solution, the first fund management server may be a fund management server of the first bank, and the second fund management server may be a fund management server of the second bank. Alternatively, the first money management server and the second money management server may also be the same money management server. The first terminal and the second terminal are a client or a terminal that executes the client. Correspondingly, the account of the first terminal is an account of the first terminal user, and the account of the second terminal is an account of the second terminal user.

In an application embodiment, the bank credit certificate may refer to an electronic credit commitment payment voucher that the bank freezes the funds according to the application of the issuer or uses the credit line and generates it in the name of the bank, and promises to settle according to the agreed conditions. Correspondingly, the basic business process of the bank letter is: the issuing bank freezes the required amount of funds according to the application of the issuer to generate a bank letter certificate. When the agreed settlement condition is reached, the issuing bank will release the funds for payment settlement.

The online fund management method of the present invention will be described below with reference to an example. For example, the first terminal user is the seller, the second terminal user is the buyer, and the first fund management server corresponds to the fund management server of the seller's account bank, and the second fund management server. The money management server for the buyer's account bank. When the seller and the buyer conduct a transaction, the seller provides the goods or services to the buyer, and accordingly, the buyer applies for a bank letter to his bank. The buyer's bank freezes the amount of funds in the buyer's account equal to the transaction amount, for example, 100,000, and generates a silver letter. After receiving the receipt of the receipt letter of the bank letter, the seller requests the receipt of the information from the seller’s bank, and the seller’s bank receives the certificate according to the seller’s application and sends the bank’s information to the seller. . After the transaction is completed, after the seller applies for the payment of the bank letter, the buyer's bank transfers the 100,000 funds under the frozen buyer's account to the seller's account through the seller's bank. Among them, after the seller receives the bank letter, the buyer's account funds are still frozen and cannot be used in his account, and are not transferred to the seller, so the buyer can still obtain the interest brought by the frozen funds. Moreover, the bank’s credit certificate is guaranteed by the bank’s freezing of the buyer’s funds, which greatly reduces the seller’s trading risk.

However, after the seller has received the bank letter, the transaction fails due to commodity reasons or other reasons, the seller applies to the bank to return the bank letter, and the seller bank receives the seller’s application and invokes the status information of the bank letter. When it is determined that the bank letter is not overdue and has not been paid, the state of the locally saved bank letter is updated to a return status, and the bank letter is updated by the buyer bank, and the buyer bank responds to the seller's bank. The notice synchronizes the status of the bank letter with the return status, and unfreezes the 100,000 funds equal to the price of the bank letter under the frozen buyer account, and notifies the buyer of the news.

Please refer to FIG. 3 , which is a schematic flowchart diagram of an online fund management method according to a second embodiment of the present invention. The embodiment is also based on the online fund management relationship shown in FIG. 2, and the method flow shown in the embodiment includes:

S31. The first fund management server receives a return request of the received silver credit sent by the first terminal.

S32. The first fund management server, when determining that the banknote is in a returnable state, notifies the second fund management server to unfreeze the amount of funds or credits in the account of the second terminal user that is equal to the value of the bank letter.

The silver credit card is applied by the second fund management server to the second fund management server by using the account fund or the credit line of the user as the deposit. The first fund management server is specifically an account management server of the first terminal, and the second fund management server is specifically an account management server of the second terminal.

In the above S32, the determining that the silver credit is in a retractable state comprises: determining that the silver credit does not exceed the validity period and the silver credit is not in a dissolving state, that is, the silver credit is in a retractable state. When it is determined that the silver credit card is in a retractable state, the first money management server may also update the state information of the locally stored silver credit card to a returned state. If the silver credit card exceeds the validity period, the first money management server sends the silver credit certificate invalidation notification to the first terminal; if the silver credit card is in the dissolving state, the first money management server sends the first fund management server to the first terminal. The bank letter has been sent a notice.

In the above solution, the first fund management server may be a fund management server of the first bank, and the second fund management server may be a fund management server of the second bank. Alternatively, the first money management server and the second money management server may also be the same money management server.

In an application embodiment, the first terminal is a seller and the second terminal is a buyer.

Please refer to FIG. 4 , which is a schematic flowchart diagram of an online fund management method according to a third embodiment of the present invention. The embodiment is also based on the online fund management relationship shown in FIG. 2, and the method flow shown in the embodiment includes:

S41. The second fund management server receives a return notification of the silver credit card sent by the first fund management server in response to the return request of the first terminal.

S42. The second fund management server thaws the funds or the credit line of the second terminal user's account equal to the value of the bank credit.

The silver credit card is applied by the second fund management server to the second fund management server by using the account fund or the credit line of the user as the deposit. The first fund management server is specifically an account management server of the first terminal, and the second fund management server is specifically an account management server of the second terminal.

In the above S42, after receiving the return notification, the second fund management server may also update the state information of the locally stored silver credit to the returned state, and in the account of the second terminal user being thawed After the bank has the same amount of funds or the credit line, the returned notice of the bank letter is sent to the second terminal, so that the second terminal knows that the bank certificate has been returned.

In the above solution, the first fund management server may be a fund management server of the first bank, and the second fund management server may be a fund management server of the second bank. Alternatively, the first money management server and the second money management server may also be the same money management server.

In an application embodiment, the first terminal is a seller and the second terminal is a buyer.

In the above online fund management solution, the first terminal may send a return request for the silver credit card to the first fund management server after receiving the silver credit certificate applied by the second terminal to the second fund management server, the first fund The management server responds to the return request and, when determining that the silver credit card is in a retractable state, notifying the second fund management server to thaw the funds or credit lines of the frozen second terminal user's account equal to the value of the silver credit card, and further The first terminal realizes the flexible return of the silver credit card, and intelligently thaws the funds of the second terminal after the return, so that the transaction fund can be returned when the transaction fails, and the first terminal does not need to know the second terminal in the return process. The information is directly returned to the second terminal by the fund management server according to the silver letter certificate, which ensures the account information of the first and second terminals is safe and simplifies the refund operation. Moreover, the bank credit card is used to realize online fund management. Since the funds of the second terminal are only frozen before the payment is made, when the second terminal returns the bank letter, the second fund management server directly freezes the funds of the second terminal. Thawing can be done without involving the transfer of funds, which facilitates the operation of the online fund management.

FIG. 5 is a schematic flowchart diagram of a data interaction processing method according to a first embodiment of the present invention. Please refer to FIG. 6 as a schematic diagram of the data interaction relationship. The method flow shown in this embodiment includes:

S51. The first interaction direction first data management party sends a return request of the received data certificate.

The data voucher is a quantification tool for pre-established data association relationship between the second interaction party and the second data management party. That is, the data voucher represents the amount of data that has established a data association relationship between the second interacting party and the second data manager. The data voucher is configured to: when the first interaction party obtains the data voucher and send a request for obtaining data to the first data management party, the second data management party releases the data value with the second veneer and the data voucher An equal-sized data association relationship, and the data of the disassociation relationship in the data unit of the second interaction party is transferred to the data unit of the first interaction party by the first data management party.

S52. The first data management party sends a return notification of the data voucher to the second data management party in response to the return request and determining that the data voucher is in a retractable state.

Wherein, the return request includes an identifier of the data voucher to be returned. The first data management party stores information of all data credentials received by the first interaction party, including an identifier of the data certificate, status information, and a second interaction party and a second data management party that establish the data certificate. The first data management party locally retrieves the status information of the data credential represented by the identifier carried in the request, and determines that the data credential is in a retractable state, and sends a return notification to the second data management party.

Specifically, the first data management party determines that the data voucher is in a retractable state when it is determined that the data voucher is not in the expiration date, and may update the state information of the locally stored data voucher to the returned state. Moreover, the first data management party may send the data voucher invalidation notification to the first interaction party when determining that the data voucher exceeds the validity period; and send the data voucher corresponding to the first interaction party when determining that the data voucher is in the release state. The data has been transferred to the notification of the first interacting party. The release state is that the second data management party has released the data association relationship with the data value of the data credential with the second interaction party, and passes the released data in the data unit of the second interaction party. The first data manager is transferred to the data unit of the first interacting party.

S53. The second data management party releases the data association relationship with the second interaction party that is equal to the data value of the data certificate according to the return notification.

The return notification includes an identification code of the data voucher. The second data management party stores information of all data credentials applied by the second interacting party, including an identifier of the data credential, a data value for establishing a data association relationship, and current state information. The second data management party updates the state information of the locally stored data voucher to the returned state according to the bounce notification, and releases the data association relationship with the data value of the data voucher that is equal to the second interlocutor. For example, the data voucher is an association relationship of 100,000 data established between the second interaction party and the second data management party, and the second data management party releases the relationship with the second interaction party after receiving the bounce notification. The relationship of 100,000 data.

Further, after the second data management party releases the data association relationship with the second interaction party that is equal in size to the data value of the data certificate, the second interaction party may further send the returned notification of the data certificate to the second interaction party. So that the second interacting party knows that the data voucher has been returned.

Specifically, the first interaction party and the second interaction party may be a client or a terminal that executes the client, and the first data management party and the second data management party are different servers or are the same server.

In an embodiment, the second interaction party applies to the second data management party to issue a data credential corresponding to the first data value through the second server platform. The first interaction party obtains, by the first server platform, an application sent by the first data management party to issue a data certificate corresponding to the first data value. The first and second servers may also be e-commerce servers. The second interacting party can also access the e-commerce server to complete the application of the data credential through the application installed in the smart terminal, and the first interacting party can also access the e-commerce server to complete the return data through the application installed in the smart terminal. Request for credentials.

The data interaction processing method in the embodiment of the present invention is exemplified below.

For example, the first interaction party is user A, and the second interaction party is user B. User B 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. When the user A requests to obtain the password of the administrator authority of one of the users B, such as the client 2, the user B requests the second server to open the data certificate. The user password of the user B is stored in the second server. The data credential may be an operation log, such as the number of operations, when the user B manages the client 2, to prove the security and reliability of the user B.

When the second server opens the data credential, the user B's administrator authority to the client 2 is frozen according to the related content of the data credential, that is, the user B cannot manage the client 2 by using the corresponding password. At the same time, the first server or user B can send the data credential information to user A.

When the user A needs to obtain the password of the administrator authority of the client 2, the first server sends a request for obtaining the password, and the second server obtains the password of the administrator authority of the client 2 according to the related content of the data certificate, and passes the password. The first server sends to user A.

When the user A no longer needs the password of the administrator right of the client 2, the user sends a return request to the first server, and the first server determines that the data certificate is not over valid and the user A does not obtain the client according to the data certificate. When the password of the administrator right item is 2, the second server is notified to unfreeze the user authority of the user B to the client 2, and the password of the administrator authority of the client 2 is no longer sent to the user A through the first server.

In the above, when the user B (the second interacting party) receives the request of the user A (the first interacting party) to obtain the administrator authority password of the client 2, the second server notifies the first server to the client according to the data credential submitted by the user B. The administrator password of terminal 2 is sent to user A. And when the user A returns the data certificate, the second server decompresses the administrator authority of the user B to the client 2 according to the data certificate, and ensures that the user A does not obtain the password of the administrator authority of the client 2. On the one hand, the process of user B handing over administrator rights to user A through the server for risk management, requires user B's data credentials as a guarantee so that administrator privileges are not arbitrarily transferred. On the other hand, user A can flexibly return the administrator rights of the client, and the server promptly unfreezes the administrator rights of user B and ensures that user A does not obtain the password of the administrator authority, ensuring that the administrator authority of the client is only one, thus not This can cause confusion in the data management of the client and avoid the risk of client data security.

Further, the data of the relationship between the second interaction party and the second data management party may also be text data, audio data, video data, program data, or capital data in the financial field, and if it is capital data, such as funds, then The first interaction party may be the seller, the second interaction party may be the buyer, and the server is a money management server, for example, a bank. If it is audio data, such as a song, the first interactive party and the second interactive party 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 data interaction processing method according to a second embodiment of the present invention. The implementation is also based on the data interaction relationship shown in FIG. 6. The method flow shown in the implementation manner includes:

S71. The first data management party receives a return request of the received data certificate sent by the first interaction party.

The data voucher is a quantification tool for pre-established data association relationship between the second interaction party and the second data management party.

S72. The first data management party notifies the second data management party to release the data association relationship with the second interaction party that is equal to the data value of the data certificate when determining that the data certificate is in a retractable state.

Specifically, the first data management party determines that the data credential is in a retractable state when the data credential is not in the expired state, and updates the state information of the locally stored data credential to the returned state, and The second data manager sends a return notification. Moreover, the first data management party may send the data voucher invalidation notification to the first interaction party when determining that the data voucher exceeds the validity period; and send the data voucher corresponding to the first interaction party when determining that the data voucher is in the release state. The data has been transferred to the notification of the first interacting party.

FIG. 8 is a data interaction processing method according to a third embodiment of the present invention. The implementation is also based on the data interaction relationship shown in FIG.

S81. The second data management party receives a return notification of the data certificate sent by the first data management party in response to the return request of the second interaction party.

The data voucher is a quantification tool for pre-established data association relationship between the second interaction party and the second data management party.

S82. The second data management party releases the data association relationship with the data value of the data credential and the second interaction party.

For example, the second data management party updates the state information of the locally stored data voucher to the returned state according to the bounce notification, and releases the data association relationship with the data value of the data voucher and the second interlocutor. And sending, to the second interacting party, the returned notification of the data credential, so that the second interacting party knows that the data credential has been returned.

Please refer to FIG. 9, which is a schematic structural diagram of a data interaction processing system according to an embodiment of the present invention. The system 90 shown in this embodiment includes a second interactive terminal 91, a first interactive terminal 92, a first server 93, and a second server 94.

The second interactive terminal 91 is configured to apply for a data credential to the second server 94.

The second server 94 is configured to establish a data association relationship with the second interaction terminal 91 in response to the application of the second interaction terminal 91, and generate a data value equal to the establishment data association relationship of the second interaction terminal. The data voucher of the data value;

That is, the data voucher is a quantification tool for pre-established data association relationship between the second interactive terminal 91 and the second server 94.

The first interactive terminal 92 is configured to send a return request of the received data voucher to the first server 93.

The first server 93 is configured to send a return notification of the data voucher to the second server 94 in response to the return request and determine that the data voucher is in a retractable state;

The second server 94 is configured to release, according to the return notification, a data association relationship with the second interactive terminal 91 that is equal in size to the data value of the data credential.

Specifically, the first server and the second server may be the same server or different servers. Further, the first server and the second server may be an e-commerce server, and the second interactive terminal 91 may also access the e-commerce server to complete the application of the data certificate by using an application installed in the smart terminal, and the first interactive terminal 92 can also access the e-commerce server through the application installed in the smart terminal to complete the request to return the data voucher.

In another embodiment, each terminal and the server of the system 90 are respectively configured to perform the steps of the foregoing data interaction processing method, where the first interaction terminal corresponds to the first interaction party of the foregoing method, and the second interaction terminal corresponds to the foregoing The second interaction party of the method, the first server corresponds to the first data management party in the foregoing method, and the second server corresponds to the second data management party in the foregoing method.

FIG. 10 is a data interaction processing apparatus according to the first embodiment of the present invention. The data interaction processing apparatus 100 shown in this embodiment includes a receiving module 101 and a notification module 102. In the present embodiment, the device 100 corresponds to the first data management party in the above embodiment, and the interaction relationship with other interacting parties is as shown in FIG. 6 . Among them, the device 100 can be operated in a banking system.

The receiving module 101 is configured to receive a return request of the received data credential sent by the first interacting party. The data voucher is a quantification tool for pre-established data association relationship between the second interaction party and the second data management party.

The notification module 102 is configured to notify the second data management party to release the data association with the data value of the data credential that is equal to the size of the data credential between the second interacting party when the data credential is in a retractable state. relationship.

In another embodiment, the notification module is further configured to: when determining that the data credential is not in the expiration date and not in the dismissed state, update the state information of the locally stored data credential to the returned state, and send the status information to the second data management party. Return notice. Moreover, the notification module is further configured to: when determining that the data voucher exceeds the validity period, send the data voucher expired notification to the first interaction party; and when determining that the data voucher is in the disengaged state, send the data voucher corresponding to the first interaction party. The data has been transferred to the notification of the first interacting party.

FIG. 11 is a data interaction processing apparatus according to a second embodiment of the present invention. The data interaction processing apparatus 110 shown in this embodiment includes a receiving module 111 and a releasing module 112. In this embodiment, the device 110 corresponds to the second data management party in the above embodiment, and the interaction relationship with other interacting parties is as shown in FIG. 6 . Among them, the device 110 can be operated in a banking system.

The receiving module 111 is configured to receive a return notification of the data voucher sent by the first data management party in response to the return request of the second interaction party. The data voucher is a quantification tool for pre-established data association relationship between the second interaction party and the second data management party.

The release module 112 is configured to release a data association relationship with the second interaction party that is equal in size to the data value of the data credential.

In another embodiment, the releasing module is specifically configured to update the status information of the locally stored data credential to the returned status, and release the data association relationship with the second interactive party that is equal to the data value of the data credential. And sending, to the second interacting party, the returned notification of the data credential, so that the second interacting party knows that the data credential has been returned.

In the data interaction processing method and the data interaction system solution, the first interaction party may send a return request of the data certificate to the first data management party after receiving the data certificate applied by the second data management party in the first interaction direction, where The first data management party responds to the return request and, when determining that the data voucher is in a retractable state, notifying the second data management party to release the data association relationship with the data value of the data voucher and the second interaction party And further, the first interaction party returns the flexible return of the data credential, and since the data of the second interaction party is not transferred to the first interaction party after the first interaction party obtains the data credential, the second data is The management party directly cancels the data association relationship of the second interaction party, and does not involve the actual transfer of the data, thereby reducing the amount of data transmission, thereby improving the efficiency of data interaction. Moreover, in the data interaction process, the first and second data management parties are added to the interaction process, and after the first interaction party requests to return the data voucher, the data management party automatically cancels the data association relationship of the second interaction party, thereby enabling data interaction. Processing is more convenient and safe.

The above is only the embodiment of the present invention, and is not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformations made by the description of the invention and the drawings are directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of the present invention.

Claims (12)

1. An online fund management method, characterized in that the method comprises the following steps:

   The first terminal sends a return request of the received silver credit card to the first fund management server; wherein the silver credit card is used by the second terminal to apply for the second fund management server by using the account fund or credit line of the user as a margin And generated by the second fund management server;

   Responding to the return request and determining that the silver credit card is in a retractable state, the first fund management server sends a return notification of the silver credit to the second fund management server;

   And the second fund management server thaws the funds or the credit line of the second terminal user's account equal to the value of the silver credit according to the return notification.
2. The method according to claim 1, wherein the step of determining that the silver credit is in a retractable state comprises:

   Determining that the silver credit does not exceed the validity period and the silver credit is not in a dissolving state; wherein the payment status is that the funds in the second terminal user's account equal to the value of the silver credit are thawed And issued to the account of the first end user;

   The method further includes:

   When the first fund management server determines that the silver credit exceeds the validity period, the first fund management server sends a notification that the silver credit has expired to the first terminal; and/or

   When the money management server determines that the silver credit card is in a dissolving state, the fund management server sends the silver credit card settlement notice to the first terminal.
3. The method of claim 1 further comprising:

   The first fund management server updates the state information of the locally stored silver credit to a returned state when determining that the silver credit is in a retractable state; and/or

   After receiving the return notification, the second money management service updates the status information of the locally stored silver credit to a returned status, and in the unfreeze the account of the second terminal user After the funds or credit lines of equal value are described, the returned notice of the silver credit is sent to the second terminal.
4. The method according to any one of claims 1-3, wherein the first money management server is a money management server of the first bank, and the second money management server is a money management server of the second bank.
5. An online fund management method, characterized in that the method comprises the following steps:

   Receiving, by the first fund management server, a return request of the received silver credit card sent by the first terminal; wherein the silver credit card is the second terminal with the account fund or the credit line of the user as the margin to the second fund a management server application and generated by the second money management server;

   When it is determined that the silver credit card is in a retractable state, the second fund management server is notified to unfreeze the funds or the credit line of the second terminal user's account equal to the value of the silver credit card.
6. An online fund management method, characterized in that the method comprises:

   The second fund management server receives a return notification of the silver credit card sent by the first fund management server in response to the return request of the first terminal, wherein the silver credit card is the account or credit line of the user of the second terminal Applying as a deposit to the second fund management server and generated by the second fund management server;

   The funds or credit lines of the second end user's account equal to the value of the silver credit are thawed.
7. A data interaction processing method, the method comprising:

   The first interaction direction sends a return request of the received data voucher to the first data management party, where the data voucher is a quantification tool for pre-established data association relationship between the second interaction party and the second data management party;

   Responding to the return request and determining that the data voucher is in a retractable state, the first data management party sends a return notification of the data voucher to the second data management party;

   And the second data management party releases the data association relationship with the data value of the data credential between the second interaction party and the second interaction party according to the return notification.
8. A data interaction processing method, the method comprising:

   Receiving, by the first data management party, a return request of the received data credential sent by the first interacting party, wherein the data credential is a quantifying tool for pre-established data association relationship between the second interacting party and the second data managing party ;

   When it is determined that the data voucher is in a retractable state, the second data management party is notified to release a data association relationship with the second interaction party that is equal in size to the data value of the data voucher.
9. A data interaction processing method, the method comprising:

   Receiving, by the second data management party, a return notification of the data voucher sent by the first data management party in response to the return request of the second interaction party, wherein the data voucher is pre-established between the second interaction party and the second data management party Quantitative tools for data associations;

   And releasing a data association relationship with the second interaction party that is equal in size to the data value of the data credential.
10. A data interaction processing system, characterized in that the system comprises:

    a second interaction terminal, configured to apply for a data credential to the second server;

    The second server is configured to establish a data association relationship with the second interaction terminal in response to the application of the second interaction terminal, and generate a data value equal to the establishment data association relationship of the second interaction terminal. The data voucher of the data value;

    a first interaction terminal, configured to send, to the first server, a return request of the received data credential;

    The first server, configured to send a return notification of the data credential to the second server, in response to the return request and determining that the data credential is in a retractable state;

    The second server is further configured to release, according to the return notification, a data association relationship with the second interactive terminal that is equal in size to a data value of the data credential.
11. A data interaction processing device, characterized in that the device comprises:

    a receiving module, configured to receive a return request of the received data credential sent by the first interacting party, where the data credential is a quantifying tool for pre-established data association relationship between the second interacting party and the second data managing party ;

    a notification module, configured to notify the second data management party to release a data association relationship with the second interaction party that is equal to the data value of the data voucher when determining that the data voucher is in a retractable state .
12. A data interaction processing device, characterized in that the device comprises:

    a receiving module, configured to receive a return notification of the data credential sent by the first data management party in response to the return request of the second interaction party, where the data credential is pre-established between the second interaction party and the second data management party Quantitative tools for data associations;

    And a release module, configured to release a data association relationship with the second interaction party that is equal in size to the data value of the data credential.