WO2017012006A1

WO2017012006A1 - Data processing method and system for substituted issuing of electronic certificate, and money management server

Info

Publication number: WO2017012006A1
Application number: PCT/CN2015/084575
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Also published as: CA3063551A1; CA3063551C; CN106133770A; CA2993534A1

Abstract

Disclosed in the present application is a data processing method for substituted issuing of an electronic certificate, comprising: a first money management server sends to a data request terminal a first data message for pre-issuing a certificate; the first money management server receives a second data request message requesting payment by another party returned by the data request terminal and generated on the basis of the first data request for pre-issuing a certificate; and after receiving from a second money management server a message that an account is frozen or line of credit is expended to the value of the issued certificate, the first money management server issues an electronic certificate. Also disclosed in the present application are a data processing system for substituted issuing of an electronic certificate and a first money management server. In the present technical solution, a user applies for an electronic certificate to be issued, but on the basis of freezing the account money or line of credit of another party, thereby resolving the problem in the prior art that when an electronic payment bill is issued, the certificate issuer and the payer must be the same; in the present application, the certificate issuer and the payer are not the same, improving the user experience and being convenient for the user.

Description

Specification Name of Invention: Data Processing Method, System and Fund Management Server of Daiyu Electronic Voucher

[0001] The present application relates to the technical field of computer data processing, and in particular, to a data processing method, system, and fund management server for electronic voucher.

BACKGROUND OF THE INVENTION

[0003] With the development of computers, networks and modern communication technologies, e-commerce applications have gradually entered thousands of households and become one of the trading methods familiar to people. 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.

[0004] However, in current e-commerce applications, the transfer of funds is mainly dependent on traditional electronic direct transfer payment methods and third-party payment methods. The form of the transaction is too singular, and some potential business needs in the market cannot be met. In e-commerce, for a third person who is willing to pay for the purchase of electronic bills for the buyer, the procedures are complicated and inconvenient for the user.

SUMMARY OF THE INVENTION

[0006] The present application provides a data processing method, system, and money management server for an electronic voucher.

According to a first aspect of the present application, the present application provides a data processing method for an electronic voucher, including

[0008] The first fund management server sends the first data information to the data requesting terminal;

[0009] The first fund management server receives the second request data information that is sent by the data requesting terminal and is requested to be paid by another person according to the first data information of the preview, the second request data information includes requesting another The amount paid;

[0010] The first fund management server receives the frozen account verification fund amount or the credit credit amount information sent by the second fund management server, and extracts the electronic voucher.

[0011] In the above method, the first fund management server sends the first data information of the prospective certificate to the front end of the certificate

, Also includes: [0012] The first fund management server receives the certificate request data information sent by the data requesting terminal, and generates the first data information of the preview according to the certificate request data information.

[0013] According to a second aspect of the present application, the present application provides a data processing method for an electronic voucher, including

[0014] The first fund management server sends the pre-certification first data information to the data requesting terminal;

[0015] the data requesting terminal generates, according to the pre-certification first data information, second request data information requesting payment by another person, and sends the second request data information to the first fund management server, where the second request data information includes requesting another The amount paid;

[0016] the data requesting terminal generates information notifying the payment of the other person and sends the information to the data processing terminal;

[0017] the data processing terminal entrusts the second fund management server to pay for the agent;

[0018] the second fund management server freezes the account credit amount or the credit limit, and generates a freeze information to notify the first fund management server;

[0019] The first fund management server receives the freeze information and extracts an electronic voucher.

[0020] In the above method, the first fund management server sends the first data information of the prospective certificate to the front end of the certificate

, Also includes:

[0021] The first fund management server receives the certificate request data information sent by the certificate terminal, and generates the preview data first information according to the certificate request data information.

[0022] In the above method, before the data processing terminal requests the second fund management server to pay for the payment, specifically:

[0023] the data processing terminal confirms whether to agree to pay for the payment;

[0024] if agreed, the data processing terminal entrusts the second fund management server to pay for it;

[0025] Otherwise the process ends.

[0026] In the above method, after the first funds management server receives the freeze information, the method further includes:

[0027] Entering the second fund management server information, and synchronizing the data to the data processing terminal and the data requesting terminal.

[0028] According to a third aspect of the present application, the present application provides a data processing method for an electronic voucher, including

[0029] The securities bank sends the first data information of the pre-certification certificate to the data requesting terminal;

[0030] the data requesting terminal generates a second request for requesting payment by another person according to the pre-certification first data information Data information, and sent to the witness bank, the second request data information includes an amount requested to be paid by another person;

[0031] the data requesting terminal generates information notifying the payment of the other person and sends the information to the data processing terminal;

[0032] the data processing terminal entrusts another person to pay the payment for payment;

[0033] the payment line of the other party's payment bank freezes the amount of the certificate or the credit line, and generates a freeze information notification to the bank;

[0034] The security card receives the freeze information and extracts the electronic voucher.

[0035] According to a fourth aspect of the present application, the present application provides a gold management server, including a sending module, a receiving module, and a processing module, where the sending module is configured to send the first data information of the pre-certification to the data requesting terminal. The receiving module is configured to receive, by the data requesting terminal, second request data information that is generated by the requesting other person according to the first data information of the preview data, and the processing module is configured to receive the second fund management The frozen account sent by the server proves the amount of funds or the credit limit information, and the electronic voucher is extracted. .

[0036] According to a fifth aspect of the present application, the present application provides a data processing system for an electronic voucher, including a first fund management server, a data requesting terminal, a second fund management server, and a payment terminal of another person; a first fund management server, configured to send the first data information of the prospective certificate to the data request

[0038] the data requesting terminal is configured to generate second request data information requesting payment by another person according to the pre-certification first data information, and send the second request data information to the first fund management server, where the second request data information is Including the amount requested to be paid by others;

[0040] the data requesting terminal is configured to generate information for notifying the payment of the other person and send the information to the data processing terminal; [0040] the data processing terminal is configured to entrust the second fund management server to pay for the payment;

[0041] the second fund management server is configured to freeze the account credit amount or use the credit limit, and generate a freeze information to notify the first fund management server;

[0042] The first money management server is further configured to receive the freeze information and extract the electronic certificate.

[0043] In the above system, the data processing terminal is further configured to confirm whether to agree to pay for the payment, and if yes, the data processing terminal requests the second fund management server to pay for it, otherwise the process ends.

[0044] Due to the adoption of the above technical solutions, the beneficial effects of the present application are: [0045] In a specific implementation manner of the present application, the first fund management server receives the second request data information sent by the data requesting terminal and requests the payment by the other party, and receives the frozen account certificate amount or the amount sent by the second fund management server. After the credit limit information is used, the electronic voucher is extracted, and the user of the application applies for the electronic voucher, but based on freezing the funds or credit under the account of the other person, the prior art, the electronic payment instrument, the witness and the witness are solved. The payer must have the same problem. This application is different from the payer and the payer, which is convenient for the user and enhances the user experience.

BRIEF DESCRIPTION OF THE DRAWINGS

1 is a flowchart of a data processing method for an electronic voucher in the present application in an embodiment; [0048] FIG. 2 is a data processing method for the electronic voucher of the present application in another embodiment. [0049] FIG. 3 is a flowchart of a data processing method for the electronic voucher of the present application in still another embodiment; [0050] FIG. 4 is a data processing method for the electronic voucher of the present application. Flowchart in still another embodiment; [0051] FIG. 5 is a flow chart of the fund management server of the present application in an embodiment;

6 is a schematic structural diagram of a data processing system for an electronic voucher in the present application in an embodiment.

DETAILED DESCRIPTION

[0054] The present application will be further described in detail below with reference to the accompanying drawings.

[0055] 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.

[0056] 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 settlement condition is reached, The bank will solve the payment and settle the payment settlement with the certificate holder through the bank.

[0057] Embodiment 1:

[0058] As shown in FIG. 1, an embodiment of the data processing method for the electronic voucher of the present application includes the following steps:

[0059] Step 102: The first fund management server sends the first data information to the data request terminal

. The first fund management server is a bank server, and the first data information is generated according to the data request information of the certificate. [0060] The request for the certificate 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.

[0061] Step 104: The first fund management server receives, by the data requesting terminal, the second request data information that is requested by the other person to be generated according to the first data information of the pre-certification, the second request data information includes an amount of requesting payment by another person and others account information.

[0062] On the basis of the first data of the pre-certification, the information of another person, such as a mobile phone number, an email address, or a WeChat, can be linked to the communication information of another person, thereby generating the second request data information for applying for payment by another person. Specifically, the second request data information may include an amount of the request for payment.

[0063] Step 106: The first fund management server receives the frozen account credit amount or the credit limit information sent by the second fund management server, and extracts the electronic voucher.

[0064] In an embodiment, before step 102, the method further includes the following steps:

[0065] The first fund management server receives the certificate request data information sent by the certificate terminal, and generates the first data information according to the certificate request data information.

[0066] Embodiment 2:

[0067] As shown in FIG. 2, another embodiment of the data processing method for the electronic voucher of the present application includes the following steps:

[0068] Step 202: The first fund management server sends the pre-certification first data information to the data requesting terminal.

[0069] Step 204: The data requesting terminal generates second request data information requesting payment by another person according to the first data information of the pre-certification, and sends the information to the first fund management server, where the second request data information includes an amount requested to be paid by another person.

[0070] Step 206: The data requesting terminal generates information that is notified by the other party and sends the information to the data processing terminal.

[0071] Step 208: The data processing terminal entrusts the second fund management server to pay for it.

[0072] In an embodiment, step 208 may specifically include:

[0073] the data processing terminal confirms whether or not to agree to pay for the payment;

[0074] if agreed, the data processing terminal entrusts the second fund management server to pay for it;

[0075] Otherwise the process ends. [0076] Step 210: The second fund management server freezes the account credit amount or the credit limit, and generates a freeze information notification to the first fund management server.

[0077] Step 212: The first fund management server receives the freeze information and extracts the electronic certificate.

[0078] After receiving the freeze information, the first fund management server may further include the steps of: entering the second money management server information, and synchronizing the data to the data processing terminal and the data request terminal.

[0079] In an embodiment, before step 202, the method may further include:

[0080] The first fund management server receives the certificate request data information sent by the certificate terminal, and generates the first data information according to the certificate request data information. As shown in FIG. 3, another embodiment of the data processing method for the electronic voucher of the present application includes the following steps:

[0081] Step 302: The data requesting terminal generates a certificate request.

[0082] Typically, the data requesting terminal is a terminal used by the buyer. The request for evidence may include the identity information and payment account information of the witness. It may also include information specifying the recipient, such as the name of the recipient, mobile phone, email, ID card, micro-signal, QQ number, etc., information corresponding to the recipient, the account of the recipient (such as a deposit account), etc. Information, for the recipient and the e-voucher. The buyer may also not specify the recipient so that anyone who obtains the electronic voucher information can receive the electronic voucher.

[0083] Step 304: The bank obtains the data request information, obtains the information in the data information, generates the first data information of the certificate, and sends the data to the data requesting terminal. 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 at the bank, and the second verification situation refers to whether the applicant is true. 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 users, etc.

[0084] Step 306: The data requesting terminal receives the pre-certification first data information.

[0085] On the basis of pre-certifying the first data information, inputting information of another person, such as a mobile phone number, an email address, a WeChat, etc., can contact the communication information of another person, and generate second request data information for applying for payment by another person. The second request data information may include information such as the amount of money requested to be paid.

[0086] Step 308: The data requesting terminal generates information for notifying the payment of the other person, and notifies the other person through the communication information of the other person. The notification information here can be a link, or it can be a picture or an audio File.

[0087] Step 310: The data processing terminal receives the notification information, and decides whether to agree to pay for it. If yes, go to step 312. Conversely, the process is terminated, and the result is fed back to the client, or the data processing terminal is reselected, and then it is determined whether or not to agree to the payment.

[0088] Step 312: The data processing terminal selects the second fund management server, and entrusts the second fund management server to pay for it. The delegation information may include the amount of the entrusted payment. One form that can be understood is that the payer has been authenticated, password operated, and fully authorized to perform the operation.

[0089] Step 314: The second fund management server receives the delegation information of the data processing terminal, freezes the account credit amount or the credit limit, generates the freeze information, and sends the freeze information to the first fund management server. If a debit card is used, the funds in the debit card are frozen. If a credit card is used, the credit card is frozen and the credit is used.

[0090] Step 316: The first fund management server receives the freeze information of the payment line, enters the payment line information, and synchronizes the data to the parties, and simultaneously outputs the electronic certificate.

[0091] After receiving the electronic voucher, the user fulfills the conditions attached to the electronic voucher, and can request the payment bank to unfreeze and allocate the payment. If the payment bank cannot perform the execution, the bank will pay by the bank, and the first fund management will be performed later. The server recovers from the payment bank.

[0092] If the user goes to a bank and requests deposit funds or credit lines under other people's accounts as a basis, the deposit funds or credit lines in the account are frozen, and the electronic voucher is established. To put it simply, let someone else take out an electronic voucher. The user may have no funds or credit card quota to use at hand, and this time requires a consumption, so ask friends to pay in the form of electronic voucher, on the one hand to ensure that after the transaction is not completed, the funds or credit card quota are Friends account, maximizing the loss of savings for building friends. On the other hand, because friends know the true purpose of the funds, they may be more willing to help turn around in this form. Or, in order for the child to develop good financial habits, when the child needs to purchase the goods, the parents can ask for the parents to pay for the electronic voucher by means of payment, so that the child can be prevented from spending money, which is beneficial to the parents guiding the child. Establish good spending habits.

[0093] In the present application, a user may apply for setting up an electronic voucher at a bank and request another person to freeze funds or credits under his account for payment. Thus, a new type of payment method is added to speed up economic and social activities. Provides a booster that provides an application scenario that enriches financial payment tools to boost electronics The mature development of business provides a useful tool. It should be noted that the first fund management server and the payment bank (second fund management server) may be the same bank, or may not be the same bank, that is, the first fund management server applying for the certificate and others are frozen. The bank that funds or credits can be the same bank or not the same bank.

[0094] Embodiment 3:

[0095] As shown in FIG. 4, another embodiment of the data processing method for the electronic voucher of the present application includes the following steps:

[0096] Step 402: The verification bank sends the first data information of the pre-certification certificate to the certification terminal.

[0097] Step 404: The verification terminal generates second request data information requesting payment by another person according to the first data information of the pre-certification certificate, and sends the information to the witness issuing bank.

[0098] Step 406: The verification terminal generates information notifying the payment of the others and sends the information to the payment terminal of another person.

[0099] Step 408: The payment terminal of another person entrusts another person to pay the payment for payment.

[0100] Step 410: The other party pays the bank to freeze the account and the credit amount or the credit line, and generates a freeze information to notify the bank.

[0101] Step 412: The securities bank receives the frozen credit amount or the credit amount information, and extracts the electronic certificate.

Embodiment 4:

[0103] As shown in FIG. 5, it is a flowchart of an embodiment of the money management server of the present application. The fund management server in this embodiment is the first fund management server, that is, the bank server. The money management server 10 includes a transmitting module 11, a receiving module 12, and a processing module 13. The sending module 11 is configured to send the first data information of the pre-certification to the data requesting terminal, and the receiving module 13 is configured to receive, by the data requesting terminal, the second request data that is generated by the requesting other person according to the first data information of the pre-certification The information, the second request data information includes an amount for requesting payment by another person; the processing module 13 is configured to receive the frozen account credit amount or the credit amount information sent by the second fund management server, and extract the electronic voucher.

[0104] In an embodiment, the processing module 13 is further configured to receive the data of the certificate request data sent by the data requesting terminal, and generate the data of the first data according to the request data.

Embodiment 5:

[0106] As shown in FIG. 6, the data processing system of the electronic voucher of the present application is in an embodiment. Schematic diagram. It includes a first money management server 10, a data request terminal 30, a second money management server 20, and a data processing terminal 40. The first money management server 10 is configured to send the first data information of the pre-certification to the data requesting terminal, and the data requesting terminal is configured to generate, according to the first data information of the pre-certification, the second request data information that is requested by the other party, and send To the first money management server, the second request data information includes an amount requested to be paid by another person. The data requesting terminal 30 is configured to generate information for notifying the payment of the other person and send it to the data processing terminal 40. The data processing terminal 40 is configured to entrust the second fund management server 20 to pay for it. The second fund management server 20 is configured to freeze the account credit amount or use the credit limit, and generate a freeze information to notify the first fund management server. The first money management server 10 is further configured to receive the frozen information and extract the electronic certificate.

[0107] In an embodiment, the data processing terminal 10 is further configured to confirm whether to agree to pay for the payment. If yes, the data processing terminal entrusts the second money management server 20 to pay for it, otherwise the process ends.

[0108] In an embodiment, the first money management server 10 is further configured to receive the data request data information sent by the data requesting terminal 30, and generate the first data information according to the data request information.

[0109] The first money management server 10 can also be used to enter the second money management server 20 information, and synchronize the data to the data processing terminal 40 and the data request terminal 30.

The above is a further detailed description of the present application in conjunction with the specific embodiments, and the specific implementation of the application is not limited to the description. For the ordinary person skilled in the art to which the present invention pertains, several simple deductions or substitutions may be made without departing from the spirit of the present application.

technical problem

Problem solution

Advantageous effects of the invention

Claims

Claim

[Claim 1] A data processing method for an electronic voucher, comprising:

The first money management server sends the first data information to the data requesting terminal, and the first money management server receives the request for payment by the data requesting terminal according to the first data information of the prospective certificate. The second request data information; the first fund management server receives the frozen account credit amount or the credit limit information sent by the second fund management server, and extracts the electronic voucher.

[Claim 2] The data processing method of the electronic voucher according to claim 1, wherein the first money management server sends the first data information of the pre-certification certificate to the card terminal, and further includes:

The first fund management server receives the certificate request data information sent by the data requesting terminal, and generates the first data information of the preview according to the certificate request data information.

[Claim 3] The data processing method for the electronic voucher is characterized in that it comprises:

The first money management server sends the first data information to the data requesting terminal; the data requesting terminal generates the second request data information requesting the payment of the other person according to the first data information of the preview, and sends the information to the a first money management server; the data requesting terminal generates information for notifying payment by another person and sends the information to the data processing terminal; the data processing terminal entrusts the second money management server to pay for the payment;

The second fund management server freezes the account credit amount or the credit limit, and generates a freeze information to notify the first fund management server;

The first money management server receives the freeze information and extracts the electronic certificate.

[Claim 4] The data processing method of the electronic voucher according to claim 3, wherein the first fund management server sends the first data information of the pre-certification certificate to the card terminal, and further includes:

The first fund management server receives the certificate request data information sent by the certificate terminal, and generates the preview data first information according to the certificate request data information.

[Claim 5] The data processing method of the electronic voucher according to claim 3, wherein the data processing terminal entrusts the second money management server to pay for the payment, specifically comprising: The data processing terminal confirms whether or not to agree to pay for the payment;

If agreed, the data processing terminal entrusts the second fund management server to pay for it; otherwise, the process ends.

[Claim 6] The data processing method of the electronic voucher according to claim 3, wherein, after receiving the frozen information, the first money management server further includes:

The second fund management server information is entered, and the data is synchronized to the data processing terminal and the data request terminal.

[Claim 7] A data processing method for an electronic voucher, comprising:

The bank will send the first data information of the pre-examination certificate to the witness terminal;

The certificate terminal generates second request data information requesting payment by another person according to the first data information of the preview certificate, and sends the second request data information to the certificate issuing bank;

The verification terminal generates information for notifying others to pay and sends the information to another payment terminal; the other payment terminal entrusts another person to pay the payment for payment;

The other person's payment bank freezes the amount of the account or the credit line, and generates a freeze message to notify the bank;

The bank receives the freeze information and extracts the electronic certificate.

[Claim 8] A fund management server, comprising: a sending module, a receiving module, and a processing module; the sending module, configured to send the first data information of the preview to the data requesting terminal; And receiving, by the data requesting terminal, second request data information that is generated by the requesting other person according to the first data information of the pre-certification; the processing module, configured to receive a frozen account sent by the second fund management server The e-voucher is extracted by using the credit limit or the credit limit information.

[Claim 9] A data processing system for an electronic voucher, comprising: a first fund management server, a data requesting terminal, a second fund management server, and a others payment terminal; Transmitting the first data information to the data requesting terminal;

The data requesting terminal is configured to generate second request data information requesting payment by another person according to the pre-certification first data information, and send the information to the first fund management server. The second request data information includes an amount requested to be paid by another person;

The data requesting terminal is configured to generate information for notifying others to pay and send the information to the data processing terminal;

The data processing terminal is configured to entrust the second fund management server to pay for the payment; the second fund management server is configured to freeze the account credit amount or the credit limit, and generate a freeze message to notify the first fund management server. The first money management server is further configured to receive the frozen information and extract the electronic certificate

[Claim 10] The data processing system of claim 8, wherein the data processing terminal is further configured to confirm whether or not to agree to pay for the payment, and if the consent is obtained, the data processing terminal requests the first The second fund management server pays for it, otherwise the process ends.