WO2017012004A1 - 线上资金管理方法、数据交互处理方法及其装置、系统 - Google Patents

线上资金管理方法、数据交互处理方法及其装置、系统 Download PDF

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Publication number
WO2017012004A1
WO2017012004A1 PCT/CN2015/084571 CN2015084571W WO2017012004A1 WO 2017012004 A1 WO2017012004 A1 WO 2017012004A1 CN 2015084571 W CN2015084571 W CN 2015084571W WO 2017012004 A1 WO2017012004 A1 WO 2017012004A1
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WO
WIPO (PCT)
Prior art keywords
terminal
data
management server
server
credential
Prior art date
Application number
PCT/CN2015/084571
Other languages
English (en)
French (fr)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to CA2993532A priority Critical patent/CA2993532A1/en
Priority to PCT/CN2015/084571 priority patent/WO2017012004A1/zh
Priority to CN201580012862.9A priority patent/CN106462855A/zh
Publication of WO2017012004A1 publication Critical patent/WO2017012004A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

Definitions

  • 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.
  • the object of the present invention is to provide an online fund management method and related device and system, which can realize returning transaction funds when a transaction fails, and the two 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 request for generating a refund certificate of a 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 in response to the generation request, freezes the account in the account of the first terminal user
  • the funds having equal value of the silver credit
  • the first money management server generating the refund voucher having a value equal to the silver credit;
  • the first terminal receiving the first fund management server The information of the refund voucher.
  • the method includes: the first fund management server receives a request for generating a refund voucher of a silver credit sent by the first terminal, wherein the silver credit is a second
  • the terminal applies for the second fund management server by the user's account fund or credit line as a deposit and is generated by the second fund management server; in response to the generating request, the bank account of the first terminal user is frozen and the bank certificate is frozen.
  • the invention provides an online fund management system, the system comprising: a second terminal, configured to apply for a bank letter to the second fund management server with the account fund or the credit line of the user as the margin; the second fund a management server, configured to generate the silver credit card in response to the application of the second terminal, where the first terminal is configured to send a request for generating a refund certificate of the silver credit to the first fund management server; a money management server, configured to, in response to the generating request, freeze funds in the account of the first terminal user that are equal to the value of the silver credit, and generate the refund voucher whose value is equal to the silver credit card Sending information of the refund voucher to the first terminal.
  • the invention provides an online fund management server, the server includes: a receiving module, configured to receive a request for generating a refund certificate of a silver credit sent by the first terminal, wherein the silver credit is a second terminal Applying, by the second fund management server, the account fund or the credit line of the user as a deposit to be generated by the second fund management server; and establishing a module for freezing the account in the account of the first terminal user in response to the generating request And the generating module is configured to generate the refund voucher whose value is equal to the silver credit, and send the information of the refund voucher to the first terminal.
  • a receiving module configured to receive a request for generating a refund certificate of a silver credit sent by the first terminal, wherein the silver credit is a second terminal Applying, by the second fund management server, the account fund or the credit line of the user as a deposit to be generated by the second fund management server; and establishing a module for freezing the account in the account of the first terminal user in response to the generating request
  • the generating module is configured to
  • the first terminal may send the refund certificate of the bank letter to the first fund management server after receiving the funds of the corresponding bank letter of the second terminal.
  • Requesting the first fund management server, in response to the generation request, freezing the funds of the first terminal user's account equal to the value of the bank credit certificate, and generating a refund certificate having the same value as the bank letter certificate, so that the second terminal can Obtaining the funds corresponding to the silver credit card returned by the first terminal according to the refund voucher, so that the transaction fund can be returned when the transaction fails, and the first terminal does not need to know the information of the second terminal user directly during the return process, and the funds are directly
  • the management server intelligently generates the refund voucher for the second terminal according to the silver credit information, thereby ensuring the security of the account information of the first and second terminals, and simplifying the refund operation.
  • Another object of the present invention is to provide a data interaction processing method, a data interaction processing system, and a data interaction processing apparatus.
  • the present invention provides a data interaction processing method, the method includes: the first terminal sends a second data credential generation request corresponding to the first data credential to the first server, where the first data credential is the second a quantification tool for pre-establishing a data association relationship between the terminal and the second server; the first server, in response to the generating request, establishing a data value equal to the first data credential between the first terminal and the first terminal Data association relationship; the first server generates the second data credential equal in size to the data value of the first data credential; and the first terminal receives the second data sent by the first server The information of the voucher.
  • the method includes: the first server receives a request for generating a second data credential corresponding to the first data credential sent by the first terminal, where the first data credential is a quantization tool for pre-establishing a data association relationship between the second terminal and the second server; and in response to the generating request, establishing a data association with the data value of the first data credential between the first terminal and the first terminal a relationship; generating the second data credential having the same data value as the first data credential, and transmitting the information of the second data credential to the first terminal.
  • the present invention provides a data interaction processing system, the system includes: a second terminal, configured to apply for a first data credential to a second server; and the second server is configured to respond to the application of the second terminal to establish a data association relationship with the second terminal, and generating the first data credential with a data value equal to a data value of the second terminal establishing a data association relationship; the first terminal, configured to send to the first server a request for generating a second data credential corresponding to the first data credential; the first server, configured to establish a data value with the first data credential with the first terminal in response to the generating request An equal-sized data association relationship, and generating the second data credential equal to the data value of the first data credential, and transmitting the information of the second data credential to the first terminal.
  • the present invention provides a data interaction processing apparatus, the apparatus comprising: a receiving module, configured to receive a request for generating a second data credential corresponding to the first data credential sent by the first terminal, where the first data credential is a quantization tool that is a pre-established data association relationship between the second terminal and the second server; and an establishing module, configured to establish data with the first data voucher and the first terminal in response to the generating request a data association relationship with equal value values; a generating module, configured to generate the second data credential equal to a data value of the first data credential, and send the information of the second data credential to the first terminal .
  • the first terminal may send, after receiving the data corresponding to the first data voucher applied by the second terminal, the first data voucher corresponding to the first data voucher.
  • a request for the second data credential the first server, in response to the generating request, establishing a data association relationship with the data value of the first data credential with the second terminal, and generating second data of equal data values a voucher, so that the second terminal can obtain data returned by the first terminal according to the second data credential, so that data interaction between the first terminal and the second terminal is implemented, and the first terminal does not need to provide the second terminal in the returning process.
  • the information directly has the first server intelligently generating the second data credential for the second terminal according to the first data credential, ensuring the security of the user information of the first and second terminals, and simplifying the operation.
  • FIG. 1 is a schematic flow chart of an online fund management method in a first embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of an online fund management system in an embodiment of the present invention.
  • FIG. 3 is a schematic flow chart of an online fund management method in a second embodiment of the present invention.
  • FIG. 4 is a schematic flow chart of a sub-step of the method step S12 shown in FIG. 3;
  • FIG. 5 is a schematic structural diagram of a money management service in a first embodiment of the present invention.
  • FIG. 6 is a schematic flowchart of a data interaction processing method in a first embodiment of the present invention.
  • FIG. 7 is a schematic structural diagram of a data interaction processing system in an embodiment of the present invention.
  • FIG. 8 is a schematic flowchart of a data interaction processing method in a second embodiment of the present invention.
  • FIG. 9 is a schematic structural diagram of a data interaction processing apparatus according to a first embodiment of the present invention.
  • FIG. 1 is a schematic flowchart diagram of an online fund management method according to a first embodiment of the present invention.
  • FIG. 2 together with the schematic diagram of the structure of the online fund management system.
  • the method flow shown in this embodiment includes the following steps:
  • the first terminal sends a request for generating a refund certificate of the silver credit to the first fund management server.
  • the bank credit certificate is an electronic credit commitment payment that the second terminal applies to the second fund management server and is generated by the second fund management server with the account fund or the credit line of the user as the margin, and promises to settle according to the agreed conditions. certificate.
  • 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 card to the first fund management server and specifies the first terminal as the certificate party to obtain the corresponding goods or services. If the transaction is successful, the first terminal requests the settlement, and the second fund management server responds to the settlement request, and the funds of the second terminal frozen by the first fund management server equal to the value of the bank letter are managed by the first fund. The server is transferred to the account of the first end user.
  • the first fund management server may request the first fund management server to generate the refund certificate of the silver credit card.
  • the first fund management server is specifically an account management server of the first terminal
  • the second fund management server is specifically an account management server of the second terminal.
  • the first fund management server in response to the generating request, freezes funds in the account of the first terminal user that are equal to the value of the bank letter.
  • the generation request includes information of the silver credit, such as an identification code.
  • 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 value, etc., and the value is generated by the generator of the bank credit certificate.
  • the funds or credit line of the initiator account that is frozen by the bank letter.
  • the first fund management server may determine, according to the identification code in the generation request, the silver letter certificate associated with the refund certificate, that is, the refund certificate corresponding to which bank letter certificate.
  • the first fund management server locally retrieves the value of the determined silver letter certificate, and correspondingly freezes the funds in the first terminal user's account that have the same value as the banknote certificate corresponding to the refund certificate.
  • the foregoing S12 specifically includes the following sub-steps:
  • the first fund management server determines, according to the generation request, whether the silver credit card is in a dissolving state.
  • the payment status is that the first fund management server unfreezes the funds with the same value of the silver certificate corresponding to the refund voucher and transfers the funds to the account of the first terminal user.
  • the information of the silver letter certificate stored locally by the first fund management server further includes status information of the bank letter certificate, and the first fund management server retrieves the status information of the bank letter certificate, and determines whether the bank letter is in a settlement state, if If yes, execute S122; if not, send a notification that the silver certificate corresponding to the refund voucher is not resolved to the first terminal.
  • the first fund management server determines whether the account fund of the first terminal user is not less than the value of the bank letter. If yes, execute S123; if not, send a notification that the first terminal user's account funds are insufficient to the first terminal.
  • the first fund management server freezes funds in the account of the first terminal user that have the same value as the banknote corresponding to the refund voucher.
  • the first fund management server generates the refund voucher whose value is equal to the bank letter.
  • the first fund management server After freezing the funds of the first end user's account with the same value as the corresponding bank certificate of the refund voucher, the first fund management server determines that the first terminal user has provided a margin for the refund voucher, and generates a A refund certificate with equal value of frozen funds.
  • the first fund management server sets the receipt server of the refund voucher to the producer of the corresponding bank letter certificate, that is, the second fund management server, according to the information corresponding to the bank letter certificate, and the receipt of the refund certificate
  • the party is set to correspond to the initiator of the silver credit card, that is, the second terminal or the second terminal user.
  • the first fund management server After the first fund management server generates the refund voucher, it sends the refund voucher to the first terminal.
  • S14 The first terminal receives the information of the refund voucher sent by the first fund management server.
  • This refund voucher has the same function as a bank letter.
  • the first terminal After the first terminal receives the refund voucher information sent by the first fund management server, the first terminal sends the refund voucher information to the second terminal that is the initiator of the corresponding silver credit card.
  • the second fund management server When the second terminal requests cancellation from the second fund management server that is the producer of the corresponding silver credit, the second fund management server notifies the first fund management server to unfreeze the account of the first terminal user in response to the settlement request.
  • the funds corresponding to the value of the refund voucher the first fund management server transfers the thawed funds to the account of the second terminal user through the second fund management server, thereby realizing the refund of the first terminal to the second terminal operating.
  • the first fund management server may be a fund management server of the first bank
  • the second fund management server may be a fund 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 terminal and the second terminal are a client or a terminal that executes the client.
  • the account of the first terminal is an account of the first terminal user
  • the account of the second terminal is an account of the second terminal user.
  • 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.
  • 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 first terminal user is the seller
  • the second terminal user is the buyer
  • the first fund management server corresponds to the fund management server of the seller's account bank
  • the second fund management The server is the money management server of the buyer's account bank.
  • the seller After receiving the notification of the receipt of the silver letter certificate, the seller applies for the receipt of the information, such as a short message, an email or a dedicated client, and applies for the receipt to the seller’s bank.
  • the seller’s bank obtains the bank’s letter from the buyer’s bank and the bank’s information. Send to the seller.
  • 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.
  • 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.
  • the seller obtains the buyer’s funds corresponding to the bank letter
  • the seller applies to the bank for the refund certificate of the bank letter
  • the seller’s bank receives the seller’s application and is determined.
  • the seller has received the buyer’s 100,000 funds and the account funds exceed 100,000, it freezes the 100,000 funds in the seller’s account equal to the value of the bank’s credit certificate, and generates a refund certificate of 100,000 worth, wherein the refund certificate
  • the proof of the act is the buyer’s bank and the recipient is the buyer to ensure that the refund voucher can be refunded to the buyer of the transaction.
  • the seller does not need to know any information of the buyer, the seller bank directly obtains the buyer information according to the corresponding silver letter certificate and correspondingly sets the refund certificate, thereby ensuring the account privacy of the buyer and the seller, and simplifying the operation.
  • FIG. 4 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 system shown in FIG. 2, and the method flow shown in the embodiment includes:
  • the first fund management server receives a request for generating a refund voucher of the silver credit card sent by the first terminal.
  • the first fund management server in response to the generation request, freezes funds in the account of the first terminal user that are equal to the value of the bank letter.
  • the first fund management server generates the refund voucher whose value is equal to the bank credit certificate, and sends the information of the refund voucher to the first terminal.
  • the bank credit certificate is an electronic credit commitment payment that the second terminal applies to the second fund management server and is generated by the second fund management server with the account fund or the credit line of the user as the margin, and promises to settle according to the agreed conditions. certificate.
  • the first fund management server is specifically an account management server of the first terminal
  • the second fund management server is specifically an account management server of the second terminal.
  • the foregoing S42 specifically includes: in response to the generating request, the first fund management server freezes the first terminal user when determining whether the silver credit card is in a dissolving state and the account capital of the first terminal user is not less than the value of the silver credit card.
  • the funds in the account that have the same value as the silver certificate corresponding to the refund voucher.
  • the online fund management method may further include: when the first money management server determines that the silver credit card is not in the dissolving state, sending the silver credit card corresponding to the refund voucher to the first terminal.
  • the unresolved notification when it is determined that the account amount of the first terminal user is less than the value of the silver credit card, the first terminal is notified that the account of the first terminal user is insufficient.
  • the first fund management server specifically sets the receipt server of the refund voucher to the producer of the corresponding bank letter certificate, that is, the second money management server, according to the information corresponding to the bank letter certificate, and the refund is performed.
  • the recipient of the voucher is set to correspond to the originator of the silver credit card, that is, the second terminal or the second terminal user.
  • the first fund management server and the second money management server may be fund management servers of the same or different banks.
  • the first terminal and the second terminal are a client or a terminal that executes the client.
  • the account of the first terminal is an account of the first terminal user
  • the account of the second terminal is an account of the second terminal user.
  • the first end user is a seller and the second end user is a buyer.
  • FIG. 2 is a schematic structural diagram of an online fund management system according to an embodiment of the present invention.
  • Each device included in the online fund management system of this embodiment is used to execute the steps in the embodiment corresponding to FIG. 1.
  • the system 20 shown in this embodiment includes a second terminal 21, a first terminal 22, a first money management server 23, and a second money management server 24.
  • the second terminal 21 is configured to apply for a bank letter to the second fund management server 24 with the account fund or the credit line of the user as the margin.
  • the second fund management server 24 is configured to generate the bank certificate in response to the application of the second terminal 21.
  • the first terminal 22 is configured to send a request for generating a refund voucher of the silver credit to the first fund management server 23.
  • the first money management server 23 is configured to, in response to the generation request, freeze the funds in the account of the user of the first terminal 22 that are equal to the value of the silver credit, and generate the refund equal to the value of the silver credit. And the information of the refund voucher is sent to the first terminal 22.
  • FIG. 5 is a fund management server according to a first embodiment of the present invention.
  • Each module included in the fund management server of this embodiment is used to execute the steps in the embodiment corresponding to FIG. 3.
  • the fund management server 50 shown in this embodiment includes a receiving module 51, an establishing module 52, and a generating module 53.
  • the fund management server 50 corresponds to the first money management server in the above embodiment, and the money management server 50 can be operated in a banking system.
  • the receiving module 51 is configured to receive a request for generating a refund credential of the silver credential sent by the first terminal, where the silver credential is used by the second terminal to manage the second fund by using the account fund or the credit line of the user as a margin.
  • the server applies and is generated by the second money management server.
  • the establishing module 52 is configured to freeze the funds in the account of the first terminal user that are equal to the value of the silver credit in response to the generating request.
  • the generating module 53 is configured to generate the refund voucher whose value is equal to the silver credit, and send the information of the refund voucher to the first terminal.
  • the first terminal may send a request for generating a refund certificate for the bank letter to the first fund management server after receiving the funds of the corresponding bank letter of the second terminal, the first fund
  • the management server in response to the generation request, freezes the funds in the first terminal user's account equal to the value of the silver credit, and generates a refund certificate having the same value as the silver credit, so that the second terminal can be based on the refund certificate
  • the certificate information intelligently generates a refund voucher for the second terminal, thereby ensuring the security of the account information of the first and second terminals, and simplifying the refund operation.
  • FIG. 6 is a schematic flowchart diagram of a data interaction processing method according to a first embodiment of the present invention. Please refer to FIG. 7 as a schematic diagram of the structure of the data interaction system. The method flow shown in this embodiment includes:
  • the first terminal sends a request for generating a second data credential corresponding to the first data credential to the first server.
  • the first data credential is a quantification tool for pre-established data association relationship between the second terminal and the second server. That is, the first data voucher represents the amount of data that has established a data association relationship between the second terminal and the second server.
  • the first data voucher is configured to: when the first terminal obtains the first data voucher and send a request for obtaining data to the first server, the second server releases the data value with the first data voucher with the second terminal An equal-sized data association relationship, and transferring the data of the de-relaxed relationship in the data unit of the second terminal to the data unit of the first terminal by using the first server.
  • the first server in response to the generating request, establish a data association relationship with the data value of the first data credential between the first terminal and the first terminal.
  • the generation request includes an identifier of the first data voucher.
  • the first server stores information of all data credentials received by the first terminal, including an identifier of the data credential, a data value, and a second terminal and a second server that establish the data credential. Determining, by the first server, the first data credential associated with the second data credential according to the identifier carried in the generating request, and locally retrieving the data value of the first data credential, and establishing a correspondence with the first terminal correspondingly A data association relationship in which the data values of the first data voucher are equal in size, for example, data in the data unit of the first terminal that is equal in size to the data value of the first data voucher.
  • the foregoing S62 specifically includes: the first server responding to the generating request, when determining that the first data credential is in a released state and the data value in the data unit of the first terminal is not less than a data value of the first data credential, establishing A data association relationship with the first terminal that is equal in magnitude to the data value of the first data credential.
  • the release state is that the second server has released the data association relationship with the data value of the first data voucher and the second terminal, and the released data is transferred to the first terminal by using the first server. Data unit.
  • the data interaction method may further include: when the first server determines that the silver credit is not in the released state, sending, to the first terminal, the notification that the first data credential is not released; When the data value in the data unit of the terminal is smaller than the data value of the first data certificate, the first terminal sends a notification that the data in the data unit of the first terminal is insufficient.
  • the first server generates the second data credential equal to the data value of the first data credential.
  • the first server sets the receiving server of the second data voucher as the second fund management server according to the information corresponding to the first data voucher, and sets the receiving terminal of the second data voucher as the Second server.
  • the first terminal receives information about the second data credential sent by the first server.
  • the second data credential has the same function as the first data credential.
  • the first terminal After the first terminal receives the second data credential information sent by the first server, the first terminal sends the second data credential information to the second terminal.
  • the second server requests disassociation from the second server, the second server, in response to the release request, notifies the first server to release the data association relationship with the data value of the second data voucher and the first terminal.
  • the first server transfers the data of the disassociation relationship in the data unit of the first terminal to the data unit of the second terminal by using the second server, thereby implementing data interaction and data of the first terminal to the second terminal. return.
  • the first terminal and the second terminal may be a client or a terminal that executes the client, and the first server and the second server are different servers or are the same server.
  • the first and second servers may also be e-commerce servers.
  • the first terminal is a terminal used by the user A
  • the second terminal is a terminal used by the 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.
  • 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 applies to the second server to issue the first data certificate.
  • the user password of the user B is saved in the second server.
  • the first 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.
  • the second server opens the first data credential
  • the user B's administrator authority to the client 2 is frozen according to the related content of the first data credential, that is, the user B cannot manage the client 2 by using the corresponding password.
  • the first server sends the first data credential information to the user A.
  • 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
  • the second server obtains the password of the administrator authority of the client 2 according to the related content of the first data certificate. And sent to user A through the first server.
  • the first server sends a request for generating the second data credential corresponding to the first data credential, and the first server determines that the data credential has been
  • the password of the administrator right of the client 2 is sent to the user A and the password of the administrator right of the client 2 is saved in the user A, the user A's administrator authority to the client 2 is frozen, and the user is opened.
  • Two data credentials are sent to the second server.
  • the second data credential may be an operation log, such as the number of operations, when the user A manages the client 2.
  • the second server When the user B needs to obtain the password of the administrator authority of the client 2, the second server sends a request for obtaining the password, and the first server obtains the password of the administrator authority of the client 2 according to the related content of the second data certificate. And sent to user B through the second server.
  • 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
  • the terminal may be a seller, the second terminal may be a buyer, and the server is a 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. 8 is a data interaction processing method according to a second embodiment of the present invention. The implementation is also based on the data interaction processing system shown in FIG.
  • the first server receives a request for generating a second data credential corresponding to the first data credential sent by the first terminal.
  • the data credential is a quantification tool for pre-established data association relationship between the second terminal and the second server.
  • the first server in response to the generating request, establish a data association relationship with the data value of the first data credential between the first terminal and the first terminal.
  • the first server in response to the generating request, establishes with the first terminal when determining that the first data credential is in a released state and the data value in the data unit of the first terminal is not less than the data value of the first data credential
  • a data association relationship equal to the data value of the first data voucher, for example, data in the data unit of the first terminal that is equal in size to the data value of the first data voucher.
  • the data interaction method may further include: when the first server determines that the silver credit is not in the released state, sending, to the first terminal, the notification that the first data credential is not released; When the data value in the data unit of the terminal is smaller than the data value of the first data certificate, the first terminal sends a notification that the data in the data unit of the first terminal is insufficient.
  • the first server generates the second data credential equal to the data value of the first data credential, and sends the information of the second data credential to the first terminal.
  • FIG. 7 is a schematic structural diagram of a data interaction processing system according to an embodiment of the present invention.
  • the system 70 shown in this embodiment includes a second terminal 71, a first terminal 72, a first server 73, and a second server 74.
  • the second terminal 71 is configured to apply for the first data credential to the second server 74.
  • the second server 74 is configured to establish a data association relationship with the second terminal 71 in response to the application of the second terminal 71, and generate a data value whose data value is equal to the established data association relationship of the second terminal 71.
  • the first data credential is configured to establish a data association relationship with the second terminal 71 in response to the application of the second terminal 71, and generate a data value whose data value is equal to the established data association relationship of the second terminal 71.
  • the first data credential is configured to establish a data association relationship with the second terminal 71 in response to the application of the second terminal 71, and generate a data value whose data value is equal to the established data association relationship of the second terminal 71.
  • the first data credential can be understood as a quantification tool for pre-established data association relationship between the second terminal 71 and the second server 74.
  • the first terminal 72 is configured to send, to the first server 73, a request for generating a second data credential corresponding to the first data credential.
  • the first server 73 is configured to establish, in response to the generating request, a data association relationship with the first terminal 72 that is equal in size to the data value of the first data credential, and generate the first data credential
  • the second data credential having the same data value is sent to the first terminal 72 for information of the second data credential.
  • 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.
  • each terminal and the server of the system 70 are respectively configured to perform the steps of the data interaction processing method, where the first terminal corresponds to the first terminal of the foregoing method, and the second terminal corresponds to the first method.
  • the second server corresponds to the first server in the foregoing method, and the second server corresponds to the second server in the foregoing method.
  • FIG. 9 is a data interaction processing apparatus according to the first embodiment of the present invention.
  • the data interaction processing apparatus 90 shown in this embodiment includes a receiving module 91, an establishing module 92, and a generating module 93.
  • the device 90 corresponds to the first server in the above embodiment. Among them, the device 90 can be operated in a banking system.
  • the receiving module 91 is configured to receive a request for generating a second data credential corresponding to the first data credential sent by the first terminal.
  • the first data credential is a quantification tool that is a pre-established data association relationship between the second terminal and the second server.
  • the establishing module 92 is configured to establish, in response to the generating request, a data association relationship with the first terminal that is equal in size to a data value of the first data credential.
  • the generating module 93 is configured to generate the second data credential equal to the data value of the first data credential, and send the information of the second data credential to the first terminal.
  • the establishing module 92 is specifically configured to respond to the generating request, when determining that the first data credential is in a released state and the data value in the data unit of the first terminal is not less than the data value of the first data credential, A data association relationship with the first terminal that is equal in magnitude to the data value of the first data credential.
  • the establishing module 92 is further configured to: when determining that the silver credit is not in the released state, send a notification that the first data credential is not released to the first terminal; in determining the data unit of the first terminal When the data value is smaller than the data value of the first data voucher, the first terminal is notified that the data in the data unit of the first terminal is insufficient.
  • the first terminal may send a request for generating a second data credential corresponding to the first data credential to the first server after receiving the data corresponding to the first data credential applied by the second terminal, where the first server rings A request should be generated to establish a data association relationship with the data value of the first data voucher equal to the second terminal, and generate a second data voucher of equal data values, so that the second terminal can be based on the second data
  • the voucher obtains the data returned by the first terminal, so the data interaction between the first terminal and the second terminal is implemented, and the first terminal does not need to provide the information of the second terminal in the returning process, and the first server directly has the first data certificate according to the first data.
  • the second data credential for the second terminal is intelligently generated, the user information of the first and second terminals is secured, and the operation is simplified.

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Abstract

本发明公开了一种线上资金管理方法、数据交互处理方法、装置及系统，其中，该线上资金管理方法包括：第一终端向第一资金管理服务器发送银信证的退款凭证的生成请求；所述第一资金管理服务器响应所述生成请求，冻结所述第一终端用户的账户中的与所述银信证的价值相等的资金；所述第一资金管理服务器生成价值与所述银信证相等的所述退款凭证；以及所述第一终端接收所述第一资金管理服务器发送的所述退款凭证的信息。通过上述方式，本发明能够实现在交易失败时退还交易资金，且交易双方无需提供对方账户信息。

Description

线上资金管理方法、数据交互处理方法及其装置、系统
【技术领域】
本发明涉及电子商务领域，特别是涉及线上资金管理方法、数据交互处理方法及其装置、系统。
【背景技术】
随着互联网技术尤其是移动互联网技术的发展，用户可以通过移动设备使用2G、3G、4G或wifi等方式连接互联网进行交易、社交等活动，通过互联网技术，用户可以方便有效的进行线上活动，这是线下无法比拟的体验。但是，在进行线上交易的过程中，由于商品或其他原因而不能完成交易时，需要退还支付的资金。由此，有必要提供基于线上的交易方法，并在交易失败时能够退还交易资金。
更进一步地，由于用户可通过互联网实现多种方式的数据交互，由此，有必要提供基于线上的数据交互处理方法。
【发明内容】
本发明的目的在于提供线上资金管理方法以及相关装置、系统，能够实现在交易失败时退还交易资金，且交易双方无需提供对方账户信息。
本发明提供的一种线上资金管理方法，所述方法包括：第一终端向第一资金管理服务器发送银信证的退款凭证的生成请求，其中，所述银信证为第二终端以其用户的账户资金或授信额度作为保证金向第二资金管理服务器申请并由第二资金管理服务器生成的；所述第一资金管理服务器响应所述生成请求，冻结第一终端用户的账户中的与所述银信证的价值相等的资金；所述第一资金管理服务器生成价值与所述银信证相等的所述退款凭证；以及所述第一终端接收所述第一资金管理服务器发送的所述退款凭证的信息。
本发明提供的另一种线上资金管理方法，所述方法包括：第一资金管理服务器接收第一终端发送的银信证的退款凭证的生成请求，其中，所述银信证为第二终端以其用户的账户资金或授信额度作为保证金向第二资金管理服务器申请并由第二资金管理服务器生成的；响应所述生成请求，冻结第一终端用户的账户中的与所述银信证的价值相等的资金；生成价值与所述银信证相等的所述退款凭证，并向所述第一终端发送所述退款凭证的信息。
本发明提供的一种线上资金管理系统，所述系统包括：第二终端，用于以其用户的账户资金或授信额度作为保证金向第二资金管理服务器申请银信证；所述第二资金管理服务器，用于响应所述第二终端的申请，生成所述银信证；第一终端，用于向第一资金管理服务器发送所述银信证的退款凭证的生成请求；所述第一资金管理服务器，用于响应所述生成请求，冻结第一终端用户的账户中的与所述银信证的价值相等的资金，并生成价值与所述银信证相等的所述退款凭证，向所述第一终端发送所述退款凭证的信息。
本发明提供的一种线上资金管理服务器，所述服务器包括：接收模块，用于接收第一终端发送的银信证的退款凭证的生成请求，其中，所述银信证为第二终端以其用户的账户资金或授信额度作为保证金向第二资金管理服务器申请并由第二资金管理服务器生成的；建立模块，用于响应所述生成请求，冻结第一终端用户的账户中的与所述银信证的价值相等的资金；生成模块，用于生成价值与所述银信证相等的所述退款凭证，并向所述第一终端发送所述退款凭证的信息。
以上线上资金管理方法及其相关装置、系统中，第一终端可在接收到第二终端的对应银信证的资金后，向第一资金管理服务器发送生成该银信证的退款凭证的请求，第一资金管理服务器响应该生成请求，冻结第一终端用户的账户中与该银信证价值相等的资金，并生成与该银信证同等价值的退款凭证，以使第二终端可根据该退款凭证获得第一终端退还的对应银信证的资金，故实现了在交易失败时能够退还交易资金，且在退还过程中第一终端无需了解第二终端用户的信息，直接由资金管理服务器根据银信证信息智能生成针对第二终端的退款凭证，故保证了第一、第二终端的账户信息安全，且简化了退款操作。
本发明的另一目的在于提供数据交互处理方法、数据交互处理系统、以及数据交互处理装置。
本发明提供的一种数据交互处理方法，所述方法包括：第一终端向第一服务器发送第一数据凭证对应的第二数据凭证的生成请求，其中，所述第一数据凭证为是第二终端与第二服务器之间预先建立的数据关联关系的量化工具；所述第一服务器响应所述生成请求，建立与所述第一终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系；所述第一服务器生成与所述第一数据凭证的数据值大小相等的所述第二数据凭证；以及所述第一终端接收所述第一服务器发送的所述第二数据凭证的信息。
本发明提供的另一种数据交互处理方法，所述方法包括：第一服务器接收第一终端发送的第一数据凭证对应的第二数据凭证的生成请求，其中，所述第一数据凭证为是第二终端与第二服务器之间预先建立的数据关联关系的量化工具；响应所述生成请求，建立与所述第一终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系；生成与所述第一数据凭证相等的数据值大小相等的所述第二数据凭证，并向所述第一终端发送所述第二数据凭证的信息。
本发明提供的一种数据交互处理系统，所述系统包括：第二终端，用于向第二服务器申请第一数据凭证；所述第二服务器，用于响应所述第二终端的申请，建立与所述第二终端之间的数据关联关系，并生成数据值等于所述第二终端的建立数据关联关系的数据值的所述第一数据凭证；第一终端，用于向第一服务器发送所述第一数据凭证对应的第二数据凭证的生成请求；所述第一服务器，用于响应所述生成请求，建立与所述第一终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系，并生成与所述第一数据凭证的数据值大小相等的所述第二数据凭证，向所述第一终端发送所述第二数据凭证的信息。
本发明提供的一种数据交互处理装置，所述装置包括：接收模块，用于接收第一终端发送的第一数据凭证对应的第二数据凭证的生成请求，其中，所述第一数据凭证为是第二终端与第二服务器之间预先建立的数据关联关系的量化工具；建立模块，用于响应所述生成请求，建立与所述第一终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系；生成模块，用于生成与所述第一数据凭证的数据值大小相等的所述第二数据凭证，并向所述第一终端发送所述第二数据凭证的信息。
以上数据交互处理方法、数据交互系统、以及数据处理装置中，第一终端可在接收到第二终端申请的第一数据凭证对应的数据后，向第一服务器发送生成该第一数据凭证对应的第二数据凭证的请求，该第一服务器响应该生成请求，建立与该第二终端之间的与该第一数据凭证的数据值大小相等的数据关联关系，并生成相等数据值的第二数据凭证，以使第二终端可根据第二数据凭证获得第一终端退还的数据，故实现第一终端与第二终端之间的数据交互，且在退还过程中第一终端无需提供第二终端的信息，直接有第一服务器根据第一数据凭证智能生成针对第二终端的第二数据凭证，保证了第一、第二终端的用户信息安全，且简化了操作。
【附图说明】
图1是本发明第一实施方式中的一种线上资金管理方法的流程示意图；
图2是本发明实施方式中的线上资金管理系统的结构示意图；
图3是本发明第二实施方式中的一种线上资金管理方法的流程示意图；
图4是图3所示的方法步骤S12的子步骤流程示意图；
图5是本发明第一实施方式中的资金管理服务的结构示意图；
图6是本发明第一实施方式中的数据交互处理方法的流程示意图；
图7是本发明实施方式中的数据交互处理系统的结构示意图；
图8是本发明第二实施方式中的一种数据交互处理方法的流程示意图；
图9是本发明第一实施方式中的一种数据交互处理装置的结构示意图。
【具体实施方式】
以下描述中，为了说明而不是为了限定，提出了诸如特定系统结构、接口、技术之类的具体细节，以便透彻理解本申请。然而，本领域的技术人员应当清楚，在没有这些具体细节的其它实施方式中也可以实现本申请。在其它情况中，省略对众所周知的装置、电路以及方法的详细说明，以免不必要的细节妨碍本申请的描述。
请参阅图1，为本发明第一实施方式的一种线上资金管理方法的流程示意图。请同时参阅图2，结合线上资金管理系统的结构示意图，该实施方式示出的方法流程包括以下步骤：
S11，第一终端向第一资金管理服务器发送银信证的退款凭证的生成请求。
其中，该银信证为第二终端以其用户的账户资金或授信额度作为保证金向第二资金管理服务器申请并由第二资金管理服务器生成的，且承诺依照约定条件进行结算的电子信用承诺支付凭证。该授信额度例如为该第二资金管理服务器给予第二终端用户的信用额度、或该第二终端用户于该第二资金管理服务器抵押的不动产所对应的资金。
该银信证用于第一终端与第二终端的线上资金管理，第二终端将银信证发送给第一资金管理服务器并指定第一终端为收证方以获得相应的商品或服务，如果交易成功，则第一终端请求解付，第二资金管理服务器响应该解付请求，将该第一资金管理服务器冻结的第二终端的与该银信证价值相等的资金通过第一资金管理服务器转移给第一终端用户的账户中。
当第一终端在接收到该第二终端的资金后，发现不满足其约定条件，如第二终端需要退回商品时，则可向第一资金管理服务器请求生成该银信证的退款凭证。
本实施例中，该第一资金管理服务器具体为该第一终端的账户管理服务器，该第二资金管理服务器具体为该第二终端的账户管理服务器。
S12，第一资金管理服务器响应所述生成请求，冻结所述第一终端用户的账户中的与所述银信证的价值相等的资金。
其中，该生成请求中包括该银信证的信息如标识码。第一资金管理服务器中存储有第一终端接收到的所有银信证的信息，包括银信证的标识码、发起方、生成方以及价值等，该价值为该银信证的生成方为生成该银信证而冻结的发起方账户的资金或授信额度。第一资金管理服务器根据该生成请求中的标识码可确定该退款凭证关联的银信证，即对应为哪个银信证的退款凭证。第一资金管理服务器在本地调取该确定的银信证的价值，并相应冻结第一终端用户的账户中的与该退款凭证对应的银信证价值相等的资金。
可选地，如图3所示，上述S12具体包括以下子步骤：
S121：第一资金管理服务器响应该生成请求，判断该银信证是否处于解付状态。
其中，该解付状态为该第一资金管理服务器将该退款凭证对应的银信证价值相等的资金解冻并划拨至该第一终端用户的账户中。第一资金管理服务器本地存储的银信证的信息还包括该银信证的状态信息，第一资金管理服务器调取该银信证的状态信息，判断该银信证是否处于解付状态，如果处于，则执行S122；如果不处于，则可向该第一终端发送该退款凭证对应的银信证未解付的通知。
S122：该第一资金管理服务器判断第一终端用户的账户资金是否不小于该银信证的价值。如果是，则执行S123；如果否，则可向该第一终端发送该第一终端用户的账户资金不足的通知。
S123：该第一资金管理服务器冻结该第一终端用户的账户中的与该退款凭证对应的银信证的价值相等的资金。
S13，第一资金管理服务器生成价值与所述银信证相等的所述退款凭证。
在冻结该第一终端用户的账户中与退款凭证的对应银信证价值相同的资金后，第一资金管理服务器则确定该第一终端用户已为该退款凭证提供保证金，并生成出与冻结的资金价值相等的退款凭证。
而且，第一资金管理服务器根据对应银信证的信息，将该退款凭证的收证服务器设置为对应银信证的生成方也即上述第二资金管理服务器，将该退款凭证的收证方设置为对应银信证的发起方也即上述第二终端或该第二终端用户。
第一资金管理服务器在生成完成该退款凭证后，经该退款凭证发送给第一终端。
S14：第一终端接收该第一资金管理服务器发送的该退款凭证的信息。
该退款凭证与银信证的功能相同。在第一终端接收第一资金管理服务器发送的该退款凭证信息后，第一终端将该退款凭证信息发送给对应银信证的发起方即第二终端。在第二终端向对应银信证的生成方即第二资金管理服务器请求解付时，第二资金管理服务器响应该解付请求，通知该第一资金管理服务器解冻该第一终端用户的账户中与该退款凭证价值相等的资金，第一资金管理服务器将该解冻的资金通过第二资金管理服务器转移给该第二终端用户的账户中，进而实现了第一终端向第二终端的退款操作。
上述方案中，该第一资金管理服务器可为第一银行的资金管理服务器，该第二资金管理服务器可为第二银行的资金管理服务器。或者，该第一资金管理服务器以及该第二资金管理服务器还可为同一个资金管理服务器。该第一终端和第二终端为一客户端或者执行该客户端的终端，对应地，该第一终端的账户为该第一终端用户的账户，第二终端的账户为第二终端用户的账户。
在一应用实施例中，银信证可指银行根据开证人的申请冻结资金或支用授信额度并以银行名义生成，且承诺依照约定条件进行结算的电子信用承诺支付凭证。对应地，该银信证基本业务流程：开证银行根据开证人的申请冻结所需数额资金以生成银信证，当约定解付条件达成时，由开证银行将资金解付办理支付结算。
下面继续结合例子对本发明线上资金管理方法进行说明，例如，第一终端用户为卖方，第二终端用户为买方，第一资金管理服务器对应为卖方的账户银行的资金管理服务器，第二资金管理服务器为买方的账户银行的资金管理服务器。在卖方与买方进行交易时，卖方向将商品或者服务提供给买方，相应地，买方向其银行申请银信证。买方银行冻结买方账户中与交易金额相等的资金例如为10万，并生成银信证。卖方收到该银信证的代收证通知如短信、邮件或专用的客户端的收取信息后，向卖方银行申请收证，卖方银行获得买方银行发送的该银信证并将该银信证信息发送给卖方。在交易完成后，卖方申请将该银信证解付后，买方银行将冻结的买方账户下的10万资金通过卖方银行转移到卖方的账户下。其中，在卖方收到该银信证之后到申请解付之前，买方的账户资金仍是冻结在其账户中不能使用，并未转移给卖方，故买方仍可获得冻结资金所带来的利息。而且该银信证建立在其银行冻结买方的资金作为保证的，使得卖方的交易风险大大降低。
然而，当卖方获得买方对应该银信证的资金后，由于商品原因或者其他原因导致交易失败，则卖方向其银行申请生成该银信证的退款凭证，卖方银行接收卖方的申请并在确定卖方已收到买方的10万资金且其账户资金超过10万时，冻结卖方账户中与该银信证价值相等的10万资金，并生成10万价值的退款凭证，其中，该退款凭证的收证行为买方银行，收证人为买方，以确保该退款凭证能够退款给此次交易的买方。而且，在此过程中，卖方无需获知买方的任何信息，卖方银行直接根据对应银信证获得买方信息并对应设置退款凭证，保证了买卖双方的账户隐私，且简化了操作。
请参阅图4，为本发明第二实施方式中的线上资金管理方法的流程示意图。该实施方式同样基于图2所示的线上资金管理系统，该实施方式示出的方法流程包括：
S41，第一资金管理服务器接收第一终端发送的银信证的退款凭证的生成请求。
S42，第一资金管理服务器响应该生成请求，冻结该第一终端用户的账户中的与该银信证的价值相等的资金。
S43，第一资金管理服务器生成价值与该银信证相等的该退款凭证，并向该第一终端发送该退款凭证的信息。
其中，该银信证为第二终端以其用户的账户资金或授信额度作为保证金向第二资金管理服务器申请并由第二资金管理服务器生成的，且承诺依照约定条件进行结算的电子信用承诺支付凭证。该第一资金管理服务器具体为该第一终端的账户管理服务器，该第二资金管理服务器具体为该第二终端的账户管理服务器。
上述S42具体包括，第一资金管理服务器响应该生成请求，在判断该银信证处于解付状态且第一终端用户的账户资金是否不小于该银信证的价值时，冻结该第一终端用户的账户中的与该退款凭证对应的银信证的价值相等的资金。
在另一实施方式中，该线上资金管理方法还可包括：第一资金管理服务器在判断该银信证未处于解付状态时，向该第一终端发送该退款凭证对应的银信证未解付的通知；在判断第一终端用户的账户资金小于该银信证的价值时，向该第一终端发送该第一终端用户的账户资金不足的通知。
在上述S43中，第一资金管理服务器具体根据对应银信证的信息，将该退款凭证的收证服务器设置为对应银信证的生成方也即上述第二资金管理服务器，将该退款凭证的收证方设置为对应银信证的发起方也即上述第二终端或第二终端用户。
上述方案中，该第一资金管理服务器和第二资金管理服务器可为相同或者不同的银行的资金管理服务器。该第一终端和第二终端为一客户端或者执行该客户端的终端，对应地，该第一终端的账户为该第一终端用户的账户，第二终端的账户为第二终端用户的账户。
在一应用实施例中，该第一终端用户为卖方，该第二终端用户为买方。
请参阅图2，为本发明实施方式的线上资金管理系统的结构示意图。本实施例的线上资金管理系统包含的各装置用于执行图1对应的实施例中各步骤。该实施方式示出的系统20包括：第二终端21、第一终端22、第一资金管理服务器23以及第二资金管理服务器24。
第二终端21用于以其用户的账户资金或授信额度作为保证金向第二资金管理服务器24申请银信证。
第二资金管理服务器24用于响应所述第二终端21的申请，生成所述银信证。
第一终端22用于向第一资金管理服务器23发送所述银信证的退款凭证的生成请求。
第一资金管理服务器23用于响应所述生成请求，冻结第一终端22用户的账户中的与所述银信证的价值相等的资金，并生成价值与所述银信证相等的所述退款凭证，向所述第一终端22发送所述退款凭证的信息。
请参阅图5，为本发明第一实施方式的一种资金管理服务器。本实施例的资金管理服务器包含的各模块用于执行图3对应的实施例中各步骤。该实施方式示出的资金管理服务器50包括接收模块51、建立模块52及生成模块53。在本实施方式中，该资金管理服务器50对应为上述实施方式中的第一资金管理服务器，且该资金管理服务器50可运行在一银行系统中。
该接收模块51用于接收第一终端发送的银信证的退款凭证的生成请求，其中，所述银信证为第二终端以其用户的账户资金或授信额度作为保证金向第二资金管理服务器申请并由第二资金管理服务器生成的。
该建立模块52用于响应所述生成请求，冻结第一终端用户的账户中的与所述银信证的价值相等的资金。
该生成模块53用于生成价值与所述银信证相等的所述退款凭证，并向所述第一终端发送所述退款凭证的信息。
上述线上资金管理的方案中，第一终端可在接收到第二终端的对应银信证的资金后，向第一资金管理服务器发送生成该银信证的退款凭证的请求，第一资金管理服务器响应该生成请求，冻结第一终端用户的账户中与该银信证价值相等的资金，并生成与该银信证同等价值的退款凭证，以使第二终端可根据该退款凭证获得第一终端退还的对应银信证的资金，故实现了在交易失败时能够退还交易资金，且在退还过程中第一终端无需了解第二终端用户的信息，直接由资金管理服务器根据银信证信息智能生成针对第二终端的退款凭证，故保证了第一、第二终端的账户信息安全，且简化了退款操作。
请参阅图6，为本发明第一实施方式的一种数据交互处理方法的流程示意图。请同时参阅图7，为数据交互系统的结构示意图，该实施方式示出的方法流程包括：
S61，第一终端向第一服务器发送第一数据凭证对应的第二数据凭证的生成请求。
其中，该第一数据凭证是第二终端与第二服务器之间预先建立的数据关联关系的量化工具。即，该第一数据凭证表示第二终端与第二服务器之间已建立数据关联关系的数据量。该第一数据凭证用于在第一终端获得该第一数据凭证并向第一服务器发送获得数据的请求时，第二服务器解除与第二终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系，并将该第二终端的数据单元中上述已解除关联关系的数据通过第一服务器转移给第一终端的数据单元中。
S62，第一服务器响应所述生成请求，建立与所述第一终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系。
其中，该生成请求包括该第一数据凭证的标识。第一服务器中存储有第一终端接收到的所有数据凭证的信息，包括该数据凭证的标识、数据值以及建立该数据凭证的第二终端和第二服务器。第一服务器根据该生成请求中携带的标识确定与第二数据凭证关联的第一数据凭证，并在本地调取该第一数据凭证的数据值，并相应建立与该第一终端之间的与该第一数据凭证的数据值大小相等的数据关联关系，例如锁定该第一终端的数据单元中与该第一数据凭证的数据值大小相等的数据。
具体，上述S62具体包括：第一服务器响应所述生成请求，在判断该第一数据凭证处于解除状态且第一终端的数据单元中的数据值不小于该第一数据凭证的数据值时，建立与该第一终端之间的与该第一数据凭证的数据值大小相等的数据关联关系。其中，该解除状态为第二服务器已解除与该第二终端之间的与该第一数据凭证的数据值大小相等的数据关联关系，并将该解除的数据通过第一服务器转移给第一终端的数据单元。
在另一实施方式中，该数据交互方法还可包括：第一服务器在判断该银信证未处于解除状态时，向该第一终端发送该第一数据凭证未解除的通知；在判断第一终端的数据单元中的数据值小于该第一数据凭证的数据值时，向该第一终端发送该第一终端的数据单元中的数据不足的通知。
S63，第一服务器生成与该第一数据凭证的数据值大小相等的该第二数据凭证。
在上述S63中，第一服务器具体根据对应第一数据凭证的信息，将该第二数据凭证的收证服务器设置为该第二资金管理服务器，将该第二数据凭证的收证终端设置为该第二服务器。
S64，第一终端接收所述第一服务器发送的所述第二数据凭证的信息。
该第二数据凭证与第一数据凭证的功能相同。在第一终端接收第一服务器发送的该第二数据凭证信息后，第一终端将该第二数据凭证信息发送给第二终端。在第二终端向第二服务器请求解除关联时，第二服务器响应该解除请求，通知该第一服务器解除与该第一终端间的与该第二数据凭证的数据值大小相等的数据关联关系，第一服务器将该第一终端的数据单元中的已解除关联关系的数据通过第二服务器转移给该第二终端的数据单元中，进而实现了第一终端向第二终端的数据交互以及数据的退还。
具体地，该第一终端和第二终端可以为一客户端或者执行该客户端的终端，该第一服务器和第二服务器为不同的服务器，或为同一台服务器。该第一、第二服务器还可以为电商服务器。
下面对本发明实施方式中的数据交互处理方法进行举例说明。
例如，该第一终端为用户A使用的终端，该第二终端为用户B使用的终端。用户B为多个客户端的管理员，且针对每个客户端具有一个相应的密码用于执行管理员的权限。客户端可以是个人计算机、平板电脑、智能手机等能够通过网络与服务器进行数据交互传输的设备。当用户A请求获得用户B其中一个客户端如客户端2的管理员权限的密码时，用户B向第二服务器申请开出第一数据凭证。其中，用户B的管理员密码都保存在第二服务器中，该第一数据凭证可以是用户B管理客户端2时的操作日志如操作次数，用以证明用户B的安全、可靠性。
当第二服务器开出该第一数据凭证时，根据第一数据凭证的相关内容冻结用户B对客户端2的管理员权限，即，用户B将无法使用对应的密码对客户端2进行管理。同时，第一服务器将该第一数据凭证信息发送给用户A。当用户A需要获得该客户端2的管理员权限的密码时，向第一服务器发送获得密码的请求，第二服务器根据该第一数据凭证的相关内容获得客户端2的管理员权限的密码，并通过第一服务器发送给用户A。
当用户A不再需要该客户端2的管理员权项的密码时，向第一服务器发送生成第一数据凭证对应的第二数据凭证的请求，第一服务器在判断已根据该数据凭证将该客户端2的管理员权项的密码发送给该用户A且用户A中保存有该客户端2的管理员权项的密码时，冻结用户A对客户端2的管理员权限，并开出第二数据凭证且发送给第二服务器。其中，该第二数据凭证可以是用户A管理客户端2时的操作日志如操作次数。
当用户B需要获得该客户端2的管理员权限的密码时，向第二服务器发送获得密码的请求，第一服务器根据该第二数据凭证的相关内容获得客户端2的管理员权限的密码，并通过第二服务器发送给用户B。
进一步地，第一终端与第一服务器建立关联关系的数据还可以是文字数据、音频数据、视频数据、程序数据或金融领域的资金数据等，如果是资金数据，比如资金，则此时第一终端可为卖方，第二终端可为买方，服务器为资金管理服务器，例如，银行。如果是音频数据，比如歌曲，此时第一终端和第二终端可以是手机等具有多媒体播放功能的客户端，服务器为音乐网站服务器。
请参阅图8，为本发明第二实施方式的一种数据交互处理方法，该实施方式同样基于图7所示的数据交互处理系统，该实施方式示出的方法流程包括：
S81，第一服务器接收第一终端发送的第一数据凭证对应的第二数据凭证的生成请求。
其中，所述数据凭证是第二终端与第二服务器之间预先建立的数据关联关系的量化工具。
S82，第一服务器响应所述生成请求，建立与所述第一终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系。
具体，第一服务器响应所述生成请求，在判断该第一数据凭证处于解除状态且第一终端的数据单元中的数据值不小于该第一数据凭证的数据值时，建立与该第一终端之间的与该第一数据凭证的数据值大小相等的数据关联关系，例如锁定该第一终端的数据单元中与该第一数据凭证的数据值大小相等的数据。
在另一实施方式中，该数据交互方法还可包括：第一服务器在判断该银信证未处于解除状态时，向该第一终端发送该第一数据凭证未解除的通知；在判断第一终端的数据单元中的数据值小于该第一数据凭证的数据值时，向该第一终端发送该第一终端的数据单元中的数据不足的通知。
S83，第一服务器生成与所述第一数据凭证的数据值大小相等的所述第二数据凭证，并向所述第一终端发送所述第二数据凭证的信息。
请参阅图7，为本发明实施方式的数据交互处理系统的结构示意图。该实施方式示出的系统70包括：第二终端71、第一终端72、第一服务器73以及第二服务器74。
第二终端71用于向第二服务器74申请第一数据凭证。
第二服务器74用于响应所述第二终端71的申请，建立与所述第二终端71之间的数据关联关系，并生成数据值等于所述第二终端71的建立数据关联关系的数据值的所述第一数据凭证。
故，所述第一数据凭证可以理解为第二终端71与第二服务器74之间预先建立的数据关联关系的量化工具。
第一终端72用于向第一服务器73发送所述第一数据凭证对应的第二数据凭证的生成请求。
第一服务器73用于响应所述生成请求，建立与所述第一终端72之间的与所述第一数据凭证的数据值大小相等的数据关联关系，并生成与所述第一数据凭证的数据值大小相等的所述第二数据凭证，向所述第一终端72发送所述第二数据凭证的信息。
具体地，该第一服务器和第二服务器可以是相同的服务器，也可以是不同的服务器。进一步地，该第一服务器和第二服务器可以是一电商服务器。
在另一实施方式中，系统70的各终端和服务器分别用于执行上述数据交互处理方法的步骤，其中，该第一终端对应为上述方法的第一终端，第二终端对应为上述方法的第二终端，该第一服务器对应为上述方法中的第一服务器，该第二服务器对应为上述方法中的第二服务器。
请参阅图9，为本发明第一实施方式的一种数据交互处理装置，该实施方式示出的数据交互处理装置90包括接收模块91、建立模块92及生成模块93。在本实施方式中，该装置90对应为上述实施方式中的第一服务器。其中，该装置90可运行在一银行系统中。
该接收模块91用于接收第一终端发送的第一数据凭证对应的第二数据凭证的生成请求。其中，所述第一数据凭证为是第二终端与第二服务器之间预先建立的数据关联关系的量化工具。
该建立模块92用于响应所述生成请求，建立与所述第一终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系。
该生成模块93用于生成与所述第一数据凭证的数据值大小相等的所述第二数据凭证，并向所述第一终端发送所述第二数据凭证的信息。
可选地，建立模块92具体用于响应所述生成请求，在判断该第一数据凭证处于解除状态且第一终端的数据单元中的数据值不小于该第一数据凭证的数据值时，建立与该第一终端之间的与该第一数据凭证的数据值大小相等的数据关联关系。
在另一实施方式中，建立模块92还可用于在判断该银信证未处于解除状态时，向该第一终端发送该第一数据凭证未解除的通知；在判断第一终端的数据单元中的数据值小于该第一数据凭证的数据值时，向该第一终端发送该第一终端的数据单元中的数据不足的通知。
上述方案中，第一终端可在接收到第二终端申请的第一数据凭证对应的数据后，向第一服务器发送生成该第一数据凭证对应的第二数据凭证的请求，该第一服务器响应该生成请求，建立与该第二终端之间的与该第一数据凭证的数据值大小相等的数据关联关系，并生成相等数据值的第二数据凭证，以使第二终端可根据第二数据凭证获得第一终端退还的数据，故实现第一终端与第二终端之间的数据交互，且在退还过程中第一终端无需提供第二终端的信息，直接有第一服务器根据第一数据凭证智能生成针对第二终端的第二数据凭证，保证了第一、第二终端的用户信息安全，且简化了操作。
以上所述仅为本发明的实施方式，并非因此限制本发明的专利范围，凡是利用本发明说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本发明的专利保护范围内。

Claims (12)

  1. 一种线上资金管理方法，其特征在于，所述方法包括以下步骤：
    第一终端向第一资金管理服务器发送银信证的退款凭证的生成请求；其中，所述银信证为第二终端以其用户的账户资金或授信额度作为保证金向第二资金管理服务器申请并由所述第二资金管理服务器生成的；
    所述第一资金管理服务器响应所述生成请求，冻结所述第一终端用户的账户中的与所述银信证的价值相等的资金；
    所述第一资金管理服务器生成价值与所述银信证相等的所述退款凭证；以及
    所述第一终端接收所述第一资金管理服务器发送的所述退款凭证的信息。
  2. 根据权利要求1所述的方法，其特征在于，所述第一资金管理服务器响应所述生成请求，冻结所述第一终端用户的账户中的与所述银信证的价值相等的资金的步骤包括：
    所述第一资金管理服务器响应所述生成请求，判断所述银信证已处于解付状态且所述第一终端用户的账户资金不小于所述银信证的价值时，冻结所述第一终端用户的账户中的与所述银信证的价值相等的资金；其中，所述解付状态为所述第一资金管理服务器将所述银信证价值相等的资金解冻并划拨至所述第一终端用户的账户中。
  3. 根据权利要求2所述的方法，其特征在于，所述方法还包括：
    在判断所述银信证未处于所述解付状态时，第一资金管理服务器向所述第一终端发送所述银信证未解付的通知；
    在判断所述第一终端用户的账户资金小于所述银信证的价值时，第一资金管理服务器向所述第一终端发送所述第一终端用户的账户资金不足的通知。
  4. 根据权利要求1所述的方法，其特征在于，所述第一资金管理服务器生成价值与所述银信证相等的所述退款凭证的步骤之后，所述方法还包括：
    第一资金管理服务器将所述退款凭证的收证服务器设置为所述第二资金管理服务器，将所述退款凭证的收证方设置为所述第二终端。
  5. 根据权利要求1-4任一项所述的方法，其特征在于，所述第一资金管理服务器为第一银行的资金管理服务器，所述第二资金管理服务器为第二银行的资金管理服务器。
  6. 一种线上资金管理方法，其特征在于，所述方法包括以下步骤：
    第一资金管理服务器接收第一终端发送的银信证的退款凭证的生成请求，其中，所述银信证为第二终端以其用户的账户资金或授信额度作为保证金向第二资金管理服务器申请并由第二资金管理服务器生成的；
    响应所述生成请求，冻结第一终端用户的账户中的与所述银信证的价值相等的资金；
    生成价值与所述银信证相等的所述退款凭证，并向所述第一终端发送所述退款凭证的信息。
  7. 一种线上资金管理系统，其特征在于，所述系统包括：
    第二终端，用于以其用户的账户资金或授信额度作为保证金向第二资金管理服务器申请银信证；
    所述第二资金管理服务器，用于响应所述第二终端的申请，生成所述银信证；
    第一终端，用于向第一资金管理服务器发送所述银信证的退款凭证的生成请求；
    所述第一资金管理服务器，用于响应所述生成请求，冻结第一终端用户的账户中的与所述银信证的价值相等的资金，并生成价值与所述银信证相等的所述退款凭证，向所述第一终端发送所述退款凭证的信息。
  8. 一种资金管理服务器，其特征在于，所述服务器包括：
    接收模块，用于接收第一终端发送的银信证的退款凭证的生成请求，其中，所述银信证为第二终端以其用户的账户资金或授信额度作为保证金向第二资金管理服务器申请并由第二资金管理服务器生成的；
    建立模块，用于响应所述生成请求，冻结第一终端用户的账户中的与所述银信证的价值相等的资金；
    生成模块，用于生成价值与所述银信证相等的所述退款凭证，并向所述第一终端发送所述退款凭证的信息。
  9. 一种数据交互处理方法，其特征在于，所述方法包括：
    第一终端向第一服务器发送第一数据凭证对应的第二数据凭证的生成请求，其中，所述第一数据凭证为是第二终端与第二服务器之间预先建立的数据关联关系的量化工具；
    所述第一服务器响应所述生成请求，建立与所述第一终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系；
    所述第一服务器生成与所述第一数据凭证的数据值大小相等的所述第二数据凭证；以及
    所述第一终端接收所述第一服务器发送的所述第二数据凭证的信息。
  10. 一种数据交互处理方法，其特征在于，所述方法包括：
    第一服务器接收第一终端发送的第一数据凭证对应的第二数据凭证的生成请求，其中，所述第一数据凭证为是第二终端与第二服务器之间预先建立的数据关联关系的量化工具；
    响应所述生成请求，建立与所述第一终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系；
    生成与所述第一数据凭证相等的数据值大小相等的所述第二数据凭证，并向所述第一终端发送所述第二数据凭证的信息。
  11. 一种数据交互处理系统，其特征在于，所述系统包括：
    第二终端，用于向第二服务器申请第一数据凭证；
    所述第二服务器，用于响应所述第二终端的申请，建立与所述第二终端之间的数据关联关系，并生成数据值等于所述第二终端的建立数据关联关系的数据值的所述第一数据凭证；
    第一终端，用于向第一服务器发送所述第一数据凭证对应的第二数据凭证的生成请求；
    所述第一服务器，用于响应所述生成请求，建立与所述第一终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系，并生成与所述第一数据凭证的数据值大小相等的所述第二数据凭证，向所述第一终端发送所述第二数据凭证的信息。
  12. 一种数据交互处理装置，其特征在于，所述装置包括：
    接收模块，用于接收第一终端发送的第一数据凭证对应的第二数据凭证的生成请求，其中，所述第一数据凭证为是第二终端与第二服务器之间预先建立的数据关联关系的量化工具；
    建立模块，用于响应所述生成请求，建立与所述第一终端之间的与所述第一数据凭证的数据值大小相等的数据关联关系；
    生成模块，用于生成与所述第一数据凭证的数据值大小相等的所述第二数据凭证，并向所述第一终端发送所述第二数据凭证的信息。
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