WO2017012005A1 - Serveur de gestion d'argent ainsi que procédé et système de traitement de données pour émission de certificat électronique inter-banques - Google Patents
Serveur de gestion d'argent ainsi que procédé et système de traitement de données pour émission de certificat électronique inter-banques Download PDFInfo
- Publication number
- WO2017012005A1 WO2017012005A1 PCT/CN2015/084574 CN2015084574W WO2017012005A1 WO 2017012005 A1 WO2017012005 A1 WO 2017012005A1 CN 2015084574 W CN2015084574 W CN 2015084574W WO 2017012005 A1 WO2017012005 A1 WO 2017012005A1
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- WO
- WIPO (PCT)
- Prior art keywords
- management server
- fund management
- information
- account
- credit
- Prior art date
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
Definitions
- the present application relates to the technical field of computer data processing, and in particular, to a money management server, a data processing method and system for an inter-bank electronic voucher.
- E-commerce uses the Internet platform to connect all parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), reducing the cost of transactions by networking, electronic, and informatizing the entire transaction process. Improve transaction efficiency.
- the existing electronic voucher is in the same position, and the first fund management server and the second money management server must be the same bank, which brings inconvenience to the user who handles the electronic voucher.
- the present application provides a money management server, a data processing method and system for cross-line electronic voucher.
- the present application provides a data processing method for an inter-bank electronic voucher, including:
- the first fund management server generates the pre-certification data information and sends the information to the second fund management server; [0010] the first fund management server receives the second fund management server to freeze the account funds or the amount of funds After using the information of the credit line, the electronic voucher is extracted.
- the method before the first fund management server generates the pre-certification data information and sends the data to the second fund management server, the method further includes: the first fund management server receiving the number of requests for the certificate sent by the client According to the information, the pre-certification data information is generated according to the data request information.
- the present application provides a data processing method for an inter-bank electronic voucher, including:
- the first fund management server generates the pre-certification data information and sends the data to the second fund management server; [0014] the second fund management server receives the preview data f sent by the first fund management server ⁇ ;
- the second fund management server freezes the account credit amount or the credit line
- the second fund management server notifies the first fund management server of the information of the frozen account credit amount or the credit line;
- the first fund management server receives the information of the second fund management server to freeze the account credit amount or the credit limit, and then extracts the electronic voucher.
- the method before the first fund management server generates the pre-certification data information and sends the data to the second fund management server, the method further includes:
- the client generates the certificate request data information and sends it to the first fund management server;
- the first fund management server generates the pre-certification data information according to the certificate request data information
- the second fund management server freezes the account credit amount or the credit limit, and specifically includes:
- the second fund management server confirms whether the account has a sufficient amount of funds or a credit line; [0023] if yes, issues a frozen account credit amount or a credit limit request to the client; [0024] Notifying the second fund management server after the client agrees;
- the second fund management server freezes the account credit amount or the credit line after receiving the instruction that the client agrees to freeze the account credit amount or the credit line.
- the present application provides a data processing method for an inter-bank electronic voucher, including:
- the securities bank generates pre-certification data information and sends it to the payment line;
- the payment line receives the pre-certification data information sent by the witness bank
- the payment bank freezes the account credit amount or the credit line; [0030] the payment bank notifies the bank of the bank of the amount of the frozen account or the credit line; [0031] the bank receives the amount of the bank's frozen account After the information of the credit line, the electronic voucher is issued.
- the application provides a fund management server, including a sending module and a processing module;
- the sending module is configured to generate the pre-certification data information and send the information to the second fund management server;
- the processing module is configured to receive the second fund management server to freeze the account funds or credit After the information, the electronic voucher is extracted.
- the present application provides a data processing system for an inter-bank electronic voucher, including a first fund management server and a second money management server;
- the first fund management server is configured to generate pre-certification data information and send the information to the second fund management server;
- the second fund management server is configured to receive the pre-certificate data information sent by the first fund management server, freeze the account credit amount or use the credit limit, and freeze the account credit amount or support Notifying the first fund management server with the information of the credit line;
- the first fund management server is further configured to: after receiving the information that the second fund management server freezes the account credit amount or the credit limit, the electronic voucher is extracted.
- the above system further includes a client
- the second fund management server is further configured to confirm whether the account has a sufficient amount of funds or a credit line, and if yes, issue a frozen account credit amount or a credit limit request to the client;
- the client is configured to notify the second fund management server after agreeing to freeze the account credit amount or the credit limit;
- the second fund management server is further configured to freeze the account funds or credits after receiving the instruction that the client agrees to freeze the account funds or use the credit line.
- the present application provides a data processing system for an inter-bank electronic voucher, including a first money management server and a second money management server;
- the first money management server includes a first memory and a first processor, the first memory is configured to store a first computer instruction
- the second money management server includes a second memory and a second processor, and the second memory is used to store a first a second computer instruction
- the first processor is configured to perform, according to the first computer instruction, the second processor, according to the second computer instruction, the following steps:
- the first fund management server generates the pre-certification data information and sends the information to the second fund management server; [0045] the second fund management server receives the pre-certification data information sent by the first fund management server; [0046] The second fund management server freezes the account credit amount or the credit line;
- the second fund management server notifies the first fund management server of the information of the frozen account; [0048] the first fund management server receives the fund amount of the frozen account of the second fund management server or After using the information of the credit line, the electronic voucher is issued.
- the first fund management server generates the pre-certification data information and sends the information to the second fund management server; after the first fund management server receives the information of the second fund management server freezing the account, , pull out the electronic voucher.
- This application enriches the application scenario of the financial payment instrument by applying for setting up an electronic voucher in one bank and designating another bank as the second fund management server, which is convenient for the user and enhances the user experience.
- FIG. 1 is a flowchart of a data processing method for a cross-line electronic voucher according to an embodiment of the present invention
- FIG. 2 is a data processing method for an inter-bank electronic voucher according to another embodiment of the present application.
- FIG. 3 is a flowchart of a data processing method for a cross-line electronic voucher in another embodiment of the present application.
- FIG. 4 is a flow chart of a data processing method for a cross-line electronic voucher according to another embodiment of the present application.
- FIG. 5 is a schematic structural diagram of a fund management server according to an embodiment of the present application.
- FIG. 6 is a schematic structural diagram of a data processing system for a cross-line electronic voucher in an embodiment of the present application
- FIG. 7 is another schematic structural diagram of a data processing system for an inter-bank electronic voucher in an embodiment of the present application.
- the electronic voucher described in the present solution that is, the electronic commitment payment voucher that the bank promises to pay the funds according to the agreed conditions, means that the bank freezes the required amount of funds or uses the credit line according to the application of the witness, and promises to comply with the agreement.
- the electronic voucher for payment settlement is handled.
- the usual business process of the electronic voucher is as follows: The bank of the securities bank freezes the required amount of funds according to the application of the witness, and the electronic certificate is set up, and the certificate is issued by the certificate receiving bank, and when the agreed payment conditions are fulfilled, The bank will solve the payment and settle the payment settlement with the certificate holder through the bank.
- Embodiment 1 is a diagrammatic representation of Embodiment 1:
- an embodiment of the data processing method for the cross-line electronic voucher of the present application includes the following steps:
- Step 102 The first fund management server generates the pre-certification data information and sends the information to the second money management server.
- the first fund management server is a bank server
- the second money management server is a payment server.
- the data of the foreclosure certificate includes at least the amount of the credit card and the amount of the credit card or the credit line.
- Step 104 After receiving the information of the second fund management server to freeze the account funds or the credit limit, the first fund management server extracts the electronic certificate.
- step 102 the following pre-steps may also be included:
- the first fund management server receives the certificate request data information sent by the client, and generates the subscription data information according to the certificate request data information.
- the certificate request data information includes the identity information of the witness and the payment account information. It may also include information specifying the recipient, such as the name of the recipient, mobile phone, email address, ID card, micro-signal, QQ number, etc., information corresponding to the recipient, the recipient's account number (deposit account number), etc. It is convenient for the recipient and the e-voucher to receive. The buyer may also not specify the recipient so that anyone who obtains the electronic voucher information can receive the electronic voucher.
- Embodiment 2 is a diagrammatic representation of Embodiment 1
- FIG. 2 another embodiment of the data processing method for the cross-line electronic voucher of the present application includes the following steps:
- Step 202 The first fund management server generates the pre-certification data information and sends the information to the second fund management service. Server.
- Step 204 The second fund management server receives the pre-certification data information sent by the first fund management server.
- Step 206 The second fund management server freezes the account credit amount or uses the credit line.
- Step 206 specifically includes:
- the second fund management server confirms whether the account has sufficient funds or credits
- the data request terminal agrees to notify the second fund management server
- the second fund management server freezes the account after receiving the instruction that the data request terminal agrees to freeze the account credit amount or the credit limit.
- Step 208 The second fund management server notifies the first fund management server of the information of the frozen account credit amount or the credit line.
- Step 210 After receiving the information of the second fund management server freezing the account funds or the credit limit, the first money management server extracts the electronic certificate.
- step 202 the following steps may further include:
- the data requesting terminal generates the authentication request data information and transmits it to the first money management server.
- the data requests the terminal client, and the client requests the terminal to send the data request information to the bank through the data request terminal;
- the ⁇ certificate number generates the pre-certification data information according to the request data information.
- the data processing method for the cross-line electronic voucher of the present application is still another embodiment, which includes the following steps:
- Step 302 The data requesting terminal generates a certificate request.
- the claim request includes the identity information of the witness and the payment account information. It may also include information specifying the recipient, such as the name of the recipient, mobile phone, email address, ID card, micro-signal, QQ number, etc., information corresponding to the recipient, the recipient's account number (deposit account number), etc. It is convenient for the recipient and the e-voucher to receive. The buyer may also not specify the recipient so that anyone who obtains the electronic voucher information can receive the electronic voucher.
- Step 304 The first fund management server receives the certificate request data information, and obtains the data information. Information, generating pre-certification data information, and transmitting to the second fund management server.
- the bank has verified the identity information of the witness in advance.
- the verification of the office may have the following situations:
- the first verification situation refers to whether the verification witness has the account information in the first fund management server;
- the second verification situation refers to whether the applicant is Real and effective, that is, real-name authentication, does not require the witness to have a account number in the first fund management server;
- the third verification case refers to determining whether the applicant has a bad credit record, whether it is a whitelist user or a black List of users.
- Step 306 The second fund management server receives the data information of the pre-certificate, retrieves the account information of the claimant, and determines whether the credit amount or the credit limit of the account is sufficient. If not enough, the feedback is sent to the client. If yes, step 308 is performed.
- Step 308 The second fund management server generates an instruction to freeze the account credit amount or the credit limit, and send the instruction to the data request terminal. If a debit card is used, the funds in the debit card are frozen, and if a credit card is used, the credit card is frozen.
- Step 310 The data requesting terminal receives the freeze information generated by the second fund management server, determines whether to agree to freeze the information, and if yes, notifies the second fund management server to perform step 312; otherwise, ends.
- Step 312 The second fund management server obtains the confirmation freeze information of the data request terminal, executes the freeze instruction, and notifies the first fund management server of the freeze instruction.
- Step 314 The first fund management server combines the request of the witness and the information of the second fund management server to freeze the fund amount or the credit amount, and establish an electronic certificate, where the electronic certificate carries the first fund management server. And the conditional commitment of the second money management server to pay.
- the user After receiving the electronic voucher, the user fulfills the conditions attached to the electronic voucher, and can request the second fund management server to unfreeze and allocate, and if the second fund management server cannot perform, the first fund management server After payment, the first money management server later recovers from the second money management server.
- the electronic voucher is established.
- the user may belong to the high-end customer group in Ping An Bank, and has various discounts; or the user is used to the financial payment service provided by Ping An Bank; or the user only has the account of Ping An Bank and so on.
- the funds of all the accounts can be freely allocated by a bank according to the demand, and there is no need to travel through the banks to testify. That is, in a bank window Mouth, completed a number of bank certification business.
- Embodiment 3 [0099] Embodiment 3:
- FIG. 4 another embodiment of the data processing method for the cross-line electronic voucher of the present application includes the following steps:
- Step 402 The verification bank generates the pre-certification data information and sends the information to the payment line.
- the bank and the payment behavior are different from the bank.
- the data of the foreclosure certificate includes at least the amount of the account and the amount of the credit or the credit line.
- Step 404 The payment bank receives the data of the pre-certificate data sent by the bank.
- Step 406 The payment bank freezes the account credit amount or uses the credit line.
- Step 408 The payment bank notifies the bank of the information on the amount of the frozen account or the credit line.
- Step 410 After receiving the information of the amount of funds for the bank to freeze the account or the amount of the credit line, the bank receives the information
- Embodiment 4 is a diagrammatic representation of Embodiment 4:
- FIG. 5 is a schematic structural diagram of a fund management server in an embodiment.
- the fund management server is the first bank management server 10.
- the first money management server includes a transmitting module 11 and a processing module 12.
- the sending module 11 is configured to generate the pre-certification data information and send the information to the second fund management server.
- the processing module 12 is configured to: after receiving the information that the second fund management server freezes the account funds or the credit information, the electronic voucher is extracted.
- the processing module 12 is further configured to receive the data of the request data sent by the data requesting terminal, and generate the data of the pre-certification data according to the data of the request request.
- an embodiment of a data processing system for an inter-bank electronic voucher of the present application includes a first fund management server 10 and a second money management server 20.
- the first fund management server 10 is configured to generate the pre-certification data information and send it to the second fund management server 20;
- the second fund management server 20 is configured to receive the pre-certification data information sent by the first fund management server 10, and freeze Account, notifying the first fund management server 10 of the information of the frozen account; the first money management server 10, It can be used to extract the electronic voucher after receiving the information of the second fund management server 20 to freeze the account.
- the data processing system of the cross-line electronic voucher of the present application may further include a data requesting terminal 30.
- the second fund management server 20 is further configured to confirm whether the account has sufficient funds or credits, and if so, issue a frozen account request to the data requesting terminal 30; and the data requesting terminal 30 is configured to notify the second fund management server after agreeing to freeze the account.
- the second fund management server 20 is further configured to freeze the account after receiving the instruction that the data request terminal 30 agrees to freeze the account.
- Embodiment 6 is a diagrammatic representation of Embodiment 6
- FIG. 7 another embodiment of the data processing system of the cross-line electronic voucher of the present application includes a first fund management server 10 and a second fund management server 20;
- the first fund management server 10 includes a first memory 13 for storing a first computer instruction, a second memory management server 20 including a second memory 23 and a second processor 24, and a second memory 23 for storing a second Computer instructions
- the first processor 14 is configured to perform, according to the first computer instruction, the second processor 24, according to the second computer instruction, referring to FIG. 2, the following steps:
- Step 202 The first fund management server generates the pre-certification data information and sends the information to the second money management server.
- Step 204 The second fund management server receives the pre-certification data information sent by the first fund management server.
- Step 206 The second fund management server freezes the account credit amount or uses the credit line.
- the step 206 may specifically include:
- the second fund management server confirms whether the account has sufficient funds or credits
- the second fund management server freezes the account credit amount or the credit line.
- Step 208 The second fund management server notifies the first fund management server of the information of the frozen account credit amount or the credit line;
- Step 210 After the first fund management server receives the information of the second fund management server freezing the account, Take out the electronic voucher.
- step 202 Before step 202, the following steps may also be included:
- the data requesting terminal generates the certificate request data information and sends the information to the first fund management server;
- the ⁇ certificate number generates pre-certification data information based on the stipulation request data information.
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Abstract
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
PCT/CN2015/084574 WO2017012005A1 (fr) | 2015-07-21 | 2015-07-21 | Serveur de gestion d'argent ainsi que procédé et système de traitement de données pour émission de certificat électronique inter-banques |
CA2993244A CA2993244A1 (fr) | 2015-07-21 | 2015-07-21 | Serveur de gestion d'argent ainsi que procede et systeme de traitement de donnees pour emission de certificat electronique inter-banques |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
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PCT/CN2015/084574 WO2017012005A1 (fr) | 2015-07-21 | 2015-07-21 | Serveur de gestion d'argent ainsi que procédé et système de traitement de données pour émission de certificat électronique inter-banques |
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WO2017012005A1 true WO2017012005A1 (fr) | 2017-01-26 |
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PCT/CN2015/084574 WO2017012005A1 (fr) | 2015-07-21 | 2015-07-21 | Serveur de gestion d'argent ainsi que procédé et système de traitement de données pour émission de certificat électronique inter-banques |
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CA (1) | CA2993244A1 (fr) |
WO (1) | WO2017012005A1 (fr) |
Cited By (2)
Publication number | Priority date | Publication date | Assignee | Title |
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CN110175831A (zh) * | 2019-04-23 | 2019-08-27 | 阿里巴巴集团控股有限公司 | 一种基于区块链的信用转移方法、装置及电子设备 |
CN111489252A (zh) * | 2020-04-08 | 2020-08-04 | 中国银行股份有限公司 | 一种基于联盟链的存款证明开立方法及装置 |
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CN104574178A (zh) * | 2013-10-14 | 2015-04-29 | 中兴通讯股份有限公司 | 无卡取现的交易方法及装置 |
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2015
- 2015-07-21 CA CA2993244A patent/CA2993244A1/fr active Pending
- 2015-07-21 WO PCT/CN2015/084574 patent/WO2017012005A1/fr active Application Filing
Patent Citations (4)
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CN101345898A (zh) * | 2007-07-11 | 2009-01-14 | 北京方维银通科技有限公司 | 电子凭证支付平台、系统以及方法 |
US20140214675A1 (en) * | 2013-01-25 | 2014-07-31 | Pankaj Sharma | Push payment system and method |
CN103827903A (zh) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | 一种利用网络支付的方法及系统 |
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Publication number | Priority date | Publication date | Assignee | Title |
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CN110175831A (zh) * | 2019-04-23 | 2019-08-27 | 阿里巴巴集团控股有限公司 | 一种基于区块链的信用转移方法、装置及电子设备 |
CN110175831B (zh) * | 2019-04-23 | 2023-09-29 | 创新先进技术有限公司 | 一种基于区块链的信用转移方法、装置及电子设备 |
CN111489252A (zh) * | 2020-04-08 | 2020-08-04 | 中国银行股份有限公司 | 一种基于联盟链的存款证明开立方法及装置 |
CN111489252B (zh) * | 2020-04-08 | 2023-04-04 | 中国银行股份有限公司 | 一种基于联盟链的存款证明开立方法及装置 |
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CA2993244A1 (fr) | 2017-01-26 |
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