WO2017012009A1 - 资金冻结内容修改方法、数据处理方法、装置和系统 - Google Patents

资金冻结内容修改方法、数据处理方法、装置和系统 Download PDF

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Publication number
WO2017012009A1
WO2017012009A1 PCT/CN2015/084578 CN2015084578W WO2017012009A1 WO 2017012009 A1 WO2017012009 A1 WO 2017012009A1 CN 2015084578 W CN2015084578 W CN 2015084578W WO 2017012009 A1 WO2017012009 A1 WO 2017012009A1
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WO
WIPO (PCT)
Prior art keywords
data
content
freeze
freezing
server
Prior art date
Application number
PCT/CN2015/084578
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 CN201580012817.3A priority Critical patent/CN106462851A/zh
Priority to PCT/CN2015/084578 priority patent/WO2017012009A1/zh
Priority to CA2993248A priority patent/CA2993248A1/en
Publication of WO2017012009A1 publication Critical patent/WO2017012009A1/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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • 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
    • G06Q20/403—Solvency checks

Definitions

  • the present application relates to the field of electronic commerce technologies, and in particular, to a method, a data processing method, a device and a system for modifying a fund freezing content of an electronic voucher.
  • the user may choose to use the balance in the bank card to make the payment, and the credit card may be used for payment.
  • the payment amount content is called the payment amount content.
  • the problem in the e-commerce transaction process is that after determining the content of the payment amount in the transaction, it is determined that the bank card balance or the credit card credit is used for payment, and the payment amount cannot be changed again. Therefore, for some users, it is necessary to modify the payment amount content, for example, after determining that the balance payment is used and needs to be modified to pay by credit card credit, the user can no longer modify and reduce the payment experience.
  • the present application provides a method for modifying a fund freezing content of an electronic voucher, a data processing method, a device, and a system, which can implement modification of the content of the frozen content of the electronic voucher in the transaction process.
  • the present application provides a method for modifying a content of a frozen content of an electronic voucher, including:
  • the client of the securities party freezes the content modification information according to the funds input by the witness, generates an application for repairing the content of the frozen funds, and sends the application to the server of the securities bank;
  • the bank's server confirms whether the revised fund freezing content meets the freezing requirement according to the fund freezing content modification request, and if it is satisfied, the fund freezing of the application for modifying the electronic certificate is modified according to the fund freezing content. Content; if not satisfied, refuse to modify the funds to freeze the content.
  • the present application provides another method for modifying the content of the frozen content of the electronic voucher, including:
  • the fund freezing content modification application it is judged whether the modified fund freezing content satisfies the freezing requirement, and if satisfied, the fund freezing content of the electronic certificate is modified according to the fund freezing content; if not, the fund freezing content is refused to be modified.
  • the user may change the content of the frozen funds according to the needs of the user, for example, changing the balance in the frozen account to a frozen credit limit, or changing the credit limit in the frozen account.
  • changing the balance in the frozen account to a frozen credit limit or changing the credit limit in the frozen account.
  • To freeze the balance It allows users to more flexibly control the flow of funds within the account.
  • the present application further provides a data processing method, including:
  • the data requesting terminal freezes the content modification information according to the data input by the witness, generates a data freeze content modification application, and sends the data to the securities server;
  • the server of the bank is determined according to the data freeze content modification request whether the modified data freeze content satisfies the freeze requirement, and if yes, the data freeze content of the data certificate is modified according to the data freeze content modification; if not, the modification is refused The data freezes the content.
  • the present application provides a data processing method, including:
  • the present application further provides a data processing system, including a data requesting terminal and a server, and the data requesting terminal and the server are communicatively connected;
  • the data requesting terminal is configured to freeze the content modification information according to the data input by the witness, generate a data freeze content modification request, and send the data modification request to the server;
  • the ⁇ ⁇ ⁇ server determines that the modified data freeze content is based on the data freeze content modification request Whether the freeze requirement is satisfied, if it is satisfied, the data freeze content of the data certificate is modified according to the data freeze content modification request; if not, the data freeze content is refused to be modified.
  • the present application further provides an apparatus, as a server, comprising:
  • a modified application obtaining module configured to acquire a data freezing content modification application generated by the data requesting terminal according to the data frozen content modification information input by the witnessing party;
  • a judging module configured to determine, according to the data freeze content modification request, whether the modified data freeze content satisfies the freeze requirement
  • an execution module configured to: after the determining module determines that the modified data freeze content meets the freeze requirement, modify the data freeze content of the data certificate according to the data freeze content modification request; and the determining module determines that the modified data freeze content is not After satisfying the freeze requirement, refuse to modify the data freeze content.
  • the user can replace the content frozen by the data according to the needs of the user, and the user can configure the frozen data more flexibly.
  • FIG. 1 is a schematic structural diagram of a data processing system according to an embodiment of the present application.
  • FIG. 2 is a schematic flowchart of a data processing method according to an embodiment of the present application.
  • FIG. 3 is a schematic flowchart of a method for modifying a fund content of an electronic voucher according to an embodiment of the present application
  • FIG. 4 is a schematic structural diagram of an apparatus as a server of a certificate server according to an embodiment of the present application
  • FIG. 5 is a schematic structural diagram of a data processing system according to another embodiment of the present application.
  • FIG. 6 is a schematic flowchart of a data processing method according to another embodiment of the present application.
  • FIG. 7 is a schematic flowchart of a method for modifying a fund content of an electronic voucher according to another embodiment of the present application.
  • FIG. 8 is a schematic structural diagram of an apparatus as a server of a server in another embodiment of the present application.
  • the electronic voucher refers to an electronic credit commitment payment voucher that the bank freezes the funds or uses the credit line according to the application of the witness and commits in the name of the bank, and promises to settle according to the agreed conditions.
  • the basic business process of the electronic voucher includes: The bank confirms the required amount of funds according to the application of the witness, and sets up the electronic voucher. When the agreed settlement condition is reached, the bank will settle the payment and settle the payment.
  • Embodiment 1 provides a method, a data processing method, a device and a system for modifying a fund freezing content of an electronic voucher.
  • the data processing system provided by this embodiment includes a data requesting terminal 101 and a certificate server 202, and the data requesting terminal 101 and the authentication server 202 are communicatively connected, for example, via an internet communication connection.
  • the data requesting terminal 101 is configured to freeze the content modification information according to the data input by the witness, generate a data freeze content modification request, and send it to the bank server 202.
  • the certificate server 202 determines whether the modified data freeze content satisfies the freeze requirement according to the data freeze content modification request, and if yes, changes the data freeze content of the data certificate according to the data freeze content modification request; if not, rejects Modify the data freeze content.
  • the server server 202 is further configured to: after modifying the data freeze content of the data certificate according to the data freeze content modification request, thaw the data frozen by the previous data freeze content.
  • the fund freezing content includes at least a balance in the frozen account and a credit amount in the frozen account.
  • the funds in the frozen account include other forms, the content of the fund freeze may also include other forms.
  • the frozen account can be the bank account of the witness or the account of the other party. It can be understood that the server of the bank is the bank server where the witness account is located, and the server of the receiving bank refers to the bank server where the account of the recipient is located.
  • FIG. 2 is a schematic flowchart of a data processing method, where the method includes the following steps:
  • Step 2.1 The data requesting terminal acquires data freezing content modification information input by the witness. Specifically, the data requesting terminal can obtain the data freezing content modification information input by the witnessing party through a human-machine interaction interface.
  • Step 2.2 The data requesting terminal generates a data freezing content modification request according to the data freezing content modification information
  • Step 2.3 The data requesting terminal sends an application for modifying the data freeze content to the server of the bank.
  • Step 2.4 The server of the certificate bank verifies the application for modifying the content of the data freeze, that is, according to the data freeze content modification request, whether the modified data freeze content satisfies the freeze requirement.
  • the data freezing content includes the first freezing mode and the second freezing mode.
  • the freeze request may specifically be that the data of the second freeze mode is greater than or equal to the data that needs to be frozen, that is, whether the data of the second freeze mode is greater than or equal to the data that needs to be frozen.
  • Step 2.5 In step 2.4, if it is determined that the modified data freeze content satisfies the freeze requirement, the data freeze content of the data certificate is modified according to the data freeze content modification request. For example, modify the first freeze mode to the second freeze mode.
  • the server may also return a message of successful modification to the data request terminal to notify the witness.
  • the certificate server refuses to modify the data freeze content.
  • the server can also return a message indicating that the data freeze content modification failed to the data request terminal to notify the witness.
  • the embodiment further provides a method for modifying the content of the frozen content of the electronic voucher, including the following steps:
  • Step 3.1 The client of the witness obtains the information of the frozen content of the funds input by the witness. Specifically, the witness client can obtain the information about the frozen content of the funds input by the witness through the human-computer interaction interface.
  • Step 3.2 The client of the witness party generates an application for modifying the content of the frozen funds according to the information of the frozen content of the funds.
  • Step 3.3 The client of the verification party sends an application for modifying the content of the frozen funds to the server of the bank.
  • Step 3.4 The server of the securities bank verifies the application for modifying the content of the fund freezing, that is, whether the content of the revised fund freezing meets the freezing requirement according to the application for modifying the content of the frozen fund.
  • Step 3.5 In step 3.4, if it is determined that the modified fund freeze content satisfies the freeze requirement, the content of the fund freeze of the application modification data certificate is modified according to the content of the fund freeze. For example, the first freeze mode is modified to the second freeze mode.
  • step 3.5 after the bank certificate server has modified the content of the fund freeze, it may also return a message of successful modification to the client of the witness to notify the witness.
  • the bank certificate server refuses to modify the fund freeze content.
  • the ⁇ ⁇ ⁇ server can also return a message to the ⁇ ⁇ ⁇ client to return the failed content modification to notify the ⁇ ⁇ party.
  • modification of the content of the financial freezing of the electronic voucher by the client of the witness may be performed after the electronic voucher is not established, or after the electronic voucher is established.
  • the embodiment further provides a data processing apparatus, including a modified application obtaining module 401, a determining module 402, and an executing module 403.
  • the modified application obtaining module 401 is configured to acquire a data freezing content modification application generated by the data requesting terminal according to the data frozen content modification information input by the witness.
  • the determining module 402 is configured to determine, according to the data freeze content modification request, whether the modified data freeze content meets the freeze requirement.
  • the execution module 403 is configured to: after the determining module 402 determines that the modified data freeze content meets the freeze requirement, modify the data freeze content of the data certificate according to the data freeze content modification request; and the determination module 402 determines that the modified data is frozen. The content does not meet the freeze requirement, and refuses to modify the data freeze content.
  • the execution module 403 is further configured to: after modifying the content of the data voucher according to the data freeze content modification request, the data frozen by the previous data freeze content is thawed.
  • the data processing apparatus provided in this embodiment may be used as a server of the authentication server.
  • the data processing apparatus provided in this embodiment, and details are not described herein again.
  • the first freezing mode is used to freeze the balance in the account
  • the second freezing mode is to freeze the letter in the account.
  • the amount is used as an example for explanation.
  • the first freezing mode and the second freezing mode may be selected according to requirements, for example, the first freezing mode is to freeze the credit limit in the account, and the second freezing mode is to freeze the balance in the account.
  • the bank server freezes the balance in the account according to the request for the certificate and the amount of the electronic certificate that needs to be established. Later, the prosecution party wants to modify the frozen balance to freeze the credit line (such as the credit card quota). Therefore, the prosecution party submits the electronic voucher fund freezing content modification application to the securities bank server through the client.
  • the bank first determines whether the credit limit in the account satisfies the freeze requirement, that is, whether the credit limit available in the account is greater than or equal to the amount of the electronic voucher to be erected, and if so, the frozen content of the electronic voucher is modified, and the account is frozen. A credit line equal to the amount of the electronic voucher.
  • the server of the bank will unfreeze the balance in the previously frozen account and return the message of successful modification to the client. If it is determined whether the credit amount available in the account is less than the amount of the electronic voucher to be erected, the fund freezing content modification request is rejected, and the modification failure message is returned to the client side client.
  • This embodiment provides another method for modifying the content of a frozen content of an electronic voucher, a data processing method, a device, and a system.
  • the data processing system includes a data requesting terminal 501, a certificate server 502, a certificate receiving server 503, and a data receiving terminal 504.
  • the data requesting terminal 501 communicates with the certificate server 502.
  • the connection, the receiving bank server 503 is in communication with the authentication server 502 and the data receiving terminal 504, respectively, for example, via an Internet communication connection.
  • the data requesting terminal 501 is configured to freeze the content modification information according to the data input by the witness, generate a data freeze content modification request, and send it to the bank server 502.
  • the certificate server 502 determines whether the modified data freeze content satisfies the freeze requirement according to the data freeze content modification request, and if yes, changes the data freeze content of the data certificate according to the data freeze content modification request; if not, rejects Modify the data freeze content.
  • the certificate server 502 is further configured to: after determining that the modified data freeze content meets the freeze requirement, The modification confirmation request is forwarded to the data receiving terminal 503.
  • the clearing bank server 503 is configured to forward the modification confirmation request to the data receiving terminal 504.
  • the data receiving terminal 504 is configured to acquire a modification confirmation command input by the certificateee according to the modification confirmation request, and send it to the certificate issuing bank server 503.
  • the clearing bank server 503 is also used to forward the modification confirmation command to the bank server 502.
  • the certificate server 502 is further configured to modify the data freeze content of the data certificate according to the modification confirmation instruction and the data freeze content modification request.
  • the server 502 is further configured to: after modifying the data freeze content of the data certificate according to the data freeze content modification request, thaw the data frozen by the previous data freeze content.
  • the content of the fund freeze includes at least the balance in the frozen account and the credit limit in the frozen account.
  • the funds in the frozen account include other forms, the content of the fund freeze may also include other forms.
  • the frozen account can be the bank account of the witness or the account of the other party.
  • FIG. 6 is a schematic flowchart of a data processing method, and the method includes the following steps:
  • Step 6.1 The data requesting terminal acquires the data freeze content modification information input by the witness. Specifically, the data requesting terminal can obtain the data freezing content modification information input by the witnessing party through a human-machine interaction interface.
  • Step 6.2 The data requesting terminal generates a data freezing content modification request according to the data freezing content modification information
  • Step 6.3 The data requesting terminal sends the data freeze content modification request to the witness bank server.
  • Step 6.4 The server of the certificate bank verifies the data freeze content modification request, that is, according to the data freeze content modification request, it is determined whether the modified data freeze content satisfies the freeze requirement.
  • the certificate server refuses to modify the data freeze content.
  • the server can also return a message that the data freeze content modification failed to the data request terminal to notify the witness.
  • the data freeze content includes the first freeze mode and the second freeze mode.
  • the freeze request may specifically be that the data of the second freeze mode is greater than or equal to the data that needs to be frozen, that is, whether the data of the second freeze mode is greater than or equal to the data that needs to be frozen.
  • Step 6.5 In step 6.4, if it is determined that the modified data freeze content satisfies the freeze requirement, the certificate server sends a modification confirmation request to the issuer server.
  • Step 6.6 The receiving bank server forwards the modification confirmation request to the data receiving terminal.
  • Step 6.7 The data receiving terminal acquires a modification confirmation instruction input by the certificate receiving party according to the modification confirmation request. Specifically, the data receiving terminal can obtain a modification confirmation command through a human-computer interaction interface.
  • Step 6.8 The data receiving terminal sends a modification confirmation command to the receiving bank server.
  • Step 6.9 The receiving bank server forwards the modification confirmation command to the witness server.
  • Step 6.10 The server of the certificate bank modifies the data freeze content of the data certificate according to the modification confirmation instruction and the data freeze content modification request. For example, the first freeze mode is modified to the second freeze mode.
  • the server may also return a message of successful modification to the data request terminal to notify the witness.
  • the embodiment further provides a method for modifying the content of the frozen content of the electronic voucher, including the following steps:
  • Step 7.1 The client of the witness obtains the information of the frozen content of the funds input by the witness. Specifically, the client of the witness can obtain the information of the frozen content of the funds input by the witness through a human-computer interaction interface.
  • Step 7.2 The client of the witness party generates an application for modifying the content of the frozen funds according to the information of the frozen content of the funds.
  • Step 7.3 The client of the verification party sends an application for modifying the content of the frozen funds to the server of the witness.
  • Step 7.4 The server of the verification party verifies the application for modifying the content of the fund freezing, that is, according to the application for modifying the content of the fund freezing, it is determined whether the content of the revised fund freezing meets the freezing requirement. [0117] If it is determined that the modified fund freeze content satisfies the freeze requirement, then go to step 7.5. If it is determined that the revised fund freeze content does not satisfy the freeze requirement, the server will refuse to modify the data freeze content. The witness server can also return the message that the content of the fund freeze content modification failed to the witness client to notify the witness.
  • the frozen demand may specifically be that the funds of the second freezing mode are greater than or equal to the funds that need to be frozen, that is, whether the funds of the second freezing mode are greater than or equal to the funds that need to be frozen.
  • Step 7.5 In step 7.4, if it is determined that the modified fund freezing content satisfies the freezing requirement, the witness server sends a modification confirmation request to the certificateee server.
  • Step 7.6 The recipient server forwards the modification confirmation request to the recipient client.
  • Step 7.7 The recipient client obtains the modification confirmation instruction input by the certificate receiving party according to the modification confirmation request. Specifically, the recipient client can obtain the modification confirmation command through a human-computer interaction interface.
  • Step 7.8 The recipient client sends a modification confirmation command to the recipient server.
  • Step 7.9 The recipient server forwards the modification confirmation command to the witness server.
  • Step 7.10 The server of the verification party modifies the content of the frozen funds of the electronic certificate according to the modification confirmation instruction and the fund freezing content. For example, the first freeze mode is modified to the second freeze mode.
  • step 7.10 after verifying the content of the fund freeze, the server of the witness may also return a message of successful modification to the client of the witness to notify the witness.
  • the method for modifying the content of the frozen funds of the electronic voucher is mainly directed to the electronic voucher. After the electronic voucher is transferred to the recipient, if the witness needs to modify the content of the fund freeze, then it is necessary to obtain confirmation from the recipient.
  • the embodiment further provides a data processing apparatus, including a modification request acquisition module 801, a determination module 802, an execution module 803, an acknowledgment request sending module 804, and an acknowledgment instruction receiving module 805.
  • the modification request obtaining module 801 is configured to acquire a data freeze content modification application generated by the data requesting terminal according to the data frozen content modification information input by the verification party.
  • the determining module 802 is configured to determine, according to the data freeze content modification request, whether the modified data freeze content meets the freeze requirement.
  • the confirmation request sending module 804 is configured to send a modification confirmation request to the receiving bank server after the determining module 802 determines that the modified data freezing content satisfies the freezing requirement.
  • the confirmation command receiving module 805 is configured to receive a modification confirmation command sent by the receiving bank server.
  • the execution module 803 is configured to: after the determining module 802 determines that the modified data freeze content meets the freeze requirement, and confirms that the instruction receiving module 805 receives the modification confirmation instruction, and modifies the data freeze content of the data certificate according to the data freeze content modification request. After the judging module 802 judges that the modified data freeze content does not satisfy the freeze requirement, the data freeze content is refused to be modified.
  • the execution module 803 is further configured to: after modifying the content of the data voucher according to the data freeze content modification request, the data frozen by the previous data freeze content is thawed.
  • the data processing apparatus provided in this embodiment may be used as a server of the authentication server.
  • the data processing apparatus provided in this embodiment, and details are not described herein again.
  • the first freezing method is used to freeze the balance in the account
  • the second freezing method is to describe the credit amount in the frozen account as an example.
  • the first freeze mode and the second freeze mode may be selected according to requirements.
  • the first freeze mode is to freeze the credit limit in the account
  • the second freeze mode is to freeze the balance in the account.
  • the bank will choose to freeze the balance in the account, and the bank will freeze the balance in the account according to the request for the certificate and the amount of the electronic voucher to be established. And generate an electronic voucher to transfer the electronic voucher to the recipient. Later, the prosecution party wants to modify the frozen balance to freeze the credit line (such as the credit card quota). Therefore, the prosecution party submits the electronic voucher fund freezing content modification application to the bank of the securities bank through the client.
  • the server of the securities bank first determines whether the credit limit in the account satisfies the freezing requirement, that is, whether the credit amount available in the account is greater than or equal to the amount of the electronic certificate that needs to be established, and if so, further generates a modification confirmation request, and Sent to the receiving bank server, the receiving bank server forwards the modification confirmation request to the recipient client.
  • the receiving party client will modify the confirmation according to the modification confirmation instruction input by the receiving party according to the modification confirmation request.
  • the approval order is returned to the bank of the securities bank through the receiving bank server, which means that the issuing party agrees to the modification of the frozen content of the electronic voucher funds.
  • the bank's server modifies the frozen content of the electronic voucher, and freezes the credit line equal to the amount of the electronic voucher in the account.
  • the server of the securities bank unfreezes the balance in the previously frozen account, and returns a message of successful modification to the client and the client of the certificate. If it is determined whether the credit amount available in the account is less than the amount of the electronic voucher to be erected, the fund freezing content modification request is rejected, and the modification failure message is returned to the witness client.
  • the user may change the content of the frozen funds according to the needs of the user, for example, changing the balance in the frozen account to a frozen credit amount, or freezing the account.
  • the credit line within it becomes a frozen balance. It allows users to more flexibly control the dynamics of funds within the account.
  • the user can replace the frozen content of the data according to the needs of the user, so that the user can configure the frozen data more flexibly.

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Abstract

一种资金冻结内容修改方法、数据处理方法、装置和系统，开证方客户端根据开证方输入的资金冻结内容修改信息，生成资金冻结内容修改申请，并将其发送给开证行服务器；开证行服务器根据资金冻结内容修改申请判断修改后的资金冻结内容是否满足冻结需求，如果满足，则根据资金冻结内容修改申请修改电子凭证的资金冻结内容；如果不满足，则拒绝修改资金冻结内容。上述资金冻结内容修改方法中，用户可以根据自身所需更换资金冻结的内容，以使用户更灵活的支配账户内的资金动态。上述数据处理方法、装置和系统中，用户可以根据自身所需更换数据冻结的内容，可以使用户更灵活的对冻结的数据进行配置。

Description

说明书 发明名称：资金冻结内容修改方法、 数据处理方法、 装置和系统 技术领域
[0001] 本申请涉及电子商务技术领域， 具体涉及一种电子凭证的资金冻结内容修改方 法、 数据处理方法、 装置和系统。
[0002] 背景技术
[0003] 随着电子商务的兴起， 在线电子支付因其具有较好便捷性， 越来越受人们的欢 迎。 目前， 在线电子支付方式中， 为了降低风险， 多数以第三方支付公司担保 的形式存在。 以客户在线购买商品为例， 采用第三方支付公司担保的形式， 对 付款方客户来说， 在未收到商品吋其资金就已经支付到第三方支付公司， 一旦 第三方支付公司出现问题， 付款方客户的资金就得不到保障， 因此， 采用第三 方支付公司担保的形式， 付款方客户一方仍然存在资金风险问题。
[0004] 当下电子商务交易过程中， 用户可以选择使用银行卡中的余额进行支付， 可者 支用信用卡的授信进行支付。 通常， 将电子商务交易过程中， 使用余额或支用 授信进行支付称为支付金额内容。 目前， 电子商务交易过程中存在的问题为， 当确定交易中支付金额内容后， 即确定是使用银行卡余额或支用信用卡授信进 行支付后， 便不能再次更改支付金额内容。 因此， 对于某些用户需要修改支付 金额内容， 例如一幵始确定使用余额支付后需要修改为支用信用卡授信进行支 付吋， 用户无法再进行修改， 降低了支付体验。
[0005] 发明内容
[0006] 本申请提供一种电子凭证的资金冻结内容修改方法、 数据处理方法、 装置和系 统， 可以实现交易过程中对电子凭证的资金冻结内容的修改。
[0007] 本申请提供了一种电子凭证的资金冻结内容修改方法， 包括：
[0008] 幵证方客户端根据幵证方输入的资金冻结内容修改信息， 生成资金冻结内容修 改申请， 并将其发送给幵证行服务器；
[0009] 幵证行服务器根据资金冻结内容修改申请判断修改后的资金冻结内容是否满足 冻结需求， 如果满足， 则根据资金冻结内容修改申请修改电子凭证的资金冻结 内容； 如果不满足， 则拒绝修改资金冻结内容。
[0010] 本申请提供了另一种电子凭证的资金冻结内容修改方法， 包括：
[0011] 获取幵证方客户端根据幵证方输入的修改资金冻结内容的信息生成的资金冻结 内容修改申请；
[0012] 根据资金冻结内容修改申请判断修改后的资金冻结内容是否满足冻结需求， 如 果满足， 则根据资金冻结内容修改申请修改电子凭证的资金冻结内容； 如果不 满足， 则拒绝修改资金冻结内容。
[0013] 以上电子凭证的资金冻结内容修改方法中， 用户可以根据自身所需更换资金 冻结的内容， 例如将冻结账户内的余额变更为冻结等额的信用额度、 或者将冻 结账户内的信用额度变为冻结余额。 可以使用户更灵活的支配账户内的资金动 态。
[0014] 本申请还提供了一种数据处理方法， 包括：
[0015] 数据请求终端根据幵证方输入的数据冻结内容修改信息， 生成数据冻结内容修 改申请， 并将其发送给幵证行服务器；
[0016] 幵证行服务器根据数据冻结内容修改申请判断修改后的数据冻结内容是否满足 冻结需求， 如果满足， 则根据数据冻结内容修改申请修改数据凭证的数据冻结 内容； 如果不满足， 则拒绝修改数据冻结内容。
[0017] 本申请提供了一种数据处理方法， 包括：
[0018] 获取数据请求终端根据幵证方输入的数据冻结内容修改信息生成的数据冻结内 容修改申请；
[0019] 根据数据冻结内容修改申请判断修改后的数据冻结内容是否满足冻结需求， 如 果满足， 则根据数据冻结内容修改申请修改数据凭证的数据冻结内容； 如果不 满足， 则拒绝修改数据冻结内容。
[0020] 本申请还提供了一种数据处理系统， 包括数据请求终端和幵证行服务器， 所述 数据请求终端和幵证行服务器通信连接；
[0021] 所述数据请求终端用于根据幵证方输入的数据冻结内容修改信息， 生成数据 冻结内容修改申请， 并将其发送给幵证行服务器；
[0022] 所述幵证行服务器根据数据冻结内容修改申请判断修改后的数据冻结内容是 否满足冻结需求， 如果满足， 则根据数据冻结内容修改申请修改数据凭证的数 据冻结内容； 如果不满足， 则拒绝修改数据冻结内容。
[0023] 本申请还提供了一种装置， 作为幵证行服务器， 包括：
[0024] 修改申请获取模块， 用于获取数据请求终端根据幵证方输入的数据冻结内容修 改信息生成的数据冻结内容修改申请；
[0025] 判断模块， 用于根据数据冻结内容修改申请判断修改后的数据冻结内容是否满 足冻结需求；
[0026] 执行模块， 用于在判断模块判断到修改后的数据冻结内容满足冻结需求吋， 根 据数据冻结内容修改申请修改数据凭证的数据冻结内容； 在判断模块判断到修 改后的数据冻结内容不满足冻结需求吋， 拒绝修改数据冻结内容。
[0027] 以上数据处理方法、 装置和系统中， 用户可以根据自身所需更换数据冻结的内 容， 可以使用户更灵活的对冻结的数据进行配置。
[0028] 附图说明
[0029] 图 1为本申请一种实施例中数据处理系统的结构示意图；
[0030] 图 2为本申请一种实施例中数据处理方法的流程示意图；
[0031] 图 3为本申请一种实施例中电子凭证的资金内容修改方法的流程示意图；
[0032] 图 4为本申请一种实施例中作为幵证行服务器的装置的结构示意图；
[0033] 图 5为本申请另一种实施例中数据处理系统的结构示意图；
[0034] 图 6为本申请另一种实施例中数据处理方法的流程示意图；
[0035] 图 7为本申请另一种实施例中电子凭证的资金内容修改方法的流程示意图；
[0036] 图 8为本申请另一种实施例中作为幵证行服务器的装置的结构示意图。
[0037] 具体实施方式
[0038] 电子凭证是指银行根据幵证人的申请冻结资金或支用授信额度并以银行名义幵 立， 且承诺依照约定条件进行结算的电子信用承诺支付凭证。
[0039] 电子凭证的基本业务流程包括： 幵证银行根据幵证人的申请冻结所需数额资金 以幵立电子凭证， 当约定解付条件达成吋， 由幵证银行将资金解付办理支付结 算。
[0040] 实施例一 [0041] 本实施例提供了一种电子凭证的资金冻结内容修改方法、 数据处理方法、 装置 和系统。
[0042] 请参考图 1， 本实施例提供的数据处理系统包括数据请求终端 101和幵证行服务 器 202， 数据请求终端 101和幵证行服务器 202通信连接， 例如通过互联网通信连 接。
[0043] 数据请求终端 101用于根据幵证方输入的数据冻结内容修改信息， 生成数据冻 结内容修改申请， 并将其发送给幵证行服务器 202。
[0044] 幵证行服务器 202根据数据冻结内容修改申请判断修改后的数据冻结内容是否 满足冻结需求， 如果满足， 则根据数据冻结内容修改申请修改数据凭证的数据 冻结内容； 如果不满足， 则拒绝修改数据冻结内容。
[0045] 具体的， 幵证行服务器 202还用于根据数据冻结内容修改申请修改数据凭证的 数据冻结内容后， 将之前数据冻结内容冻结的数据解冻。
[0046] 需要说明的是， 资金冻结内容至少包括冻结账户内的余额和冻结账户内的信用 额度。 当然， 如果冻结账户内的资金还包括其他形式吋， 资金冻结内容也可以 还包括其他形式。 其中， 冻结账户可以是幵证方的银行账户， 也可以是其他方 的账户。 可以理解的是幵证行服务器即幵证人账户所在银行服务器， 收证行服 务器指收证人账户所在银行服务器。
[0047] 下面结合数据处理方法对该系统做进一步说明。
[0048]
[0049] 请参考图 2， 为数据处理方法的流程示意图， 该方法包括下面步骤：
[0050] 步骤 2.1 : 数据请求终端获取幵证方输入的数据冻结内容修改信息。 具体的， 数 据请求终端可以通过一人机交互界面获取幵证方输入的数据冻结内容修改信息
[0051] 步骤 2.2: 数据请求终端根据数据冻结内容修改信息生成数据冻结内容修改申请
[0052] 步骤 2.3: 数据请求终端将数据冻结内容修改申请发送给幵证行服务器。
[0053] 步骤 2.4: 幵证行服务器对数据冻结内容修改申请进行验证， 即根据数据冻结内 容修改申请判断修改后的数据冻结内容是否满足冻结需求。 [0054] 假设数据冻结内容包括第一冻结方式和第二冻结方式， 当幵证方需要将第一交 结方式修改为第二冻结方式吋， 需要判断第二冻结方式是否满足冻结需求。 冻 结需求具体可以是第二冻结方式的数据大于或等于需要冻结的数据， 即判断第 二冻结方式的数据是否大于或等于需要冻结的数据。
[0055] 步骤 2.5: 在步骤 2.4中， 如果判断到修改后的数据冻结内容满足冻结需求， 则 根据数据冻结内容修改申请修改数据凭证的数据冻结内容。 例如， 将第一冻结 方式修改为第二冻结方式。
[0056] 当然， 在步骤 2.5， 幵证行服务器在修改完数据冻结内容后， 还可以向数据请求 终端返回修改成功的消息， 以通知幵证方。
[0057] 如果在判断到修改后的数据冻结内容不满足冻结需求吋， 幵证行服务器则拒绝 修改数据冻结内容。 幵证行服务器还可以同吋向数据请求终端返回数据冻结内 容修改失败的消息， 以通知幵证方。
[0058] 具体的， 当幵证行服务器根据数据冻结内容修改申请修改数据凭证的数据冻结 内容后， 相应的， 需要将之前数据冻结内容冻结的数据解冻。
[0059]
[0060] 请参考图 3， 基于本实施例提供的数据处理方法， 本实施例还提供了一种电子 凭证的资金冻结内容修改方法， 包括下面步骤：
[0061] 步骤 3.1 : 幵证方客户端获取幵证方输入的资金冻结内容修改信息。 具体的， 幵 证方客户端可以通过人机交互界面获取幵证方输入的资金冻结内容修改信息。
[0062] 步骤 3.2: 幵证方客户端根据资金冻结内容修改信息生成资金冻结内容修改申请
[0063] 步骤 3.3: 幵证方客户端将资金冻结内容修改申请发送给幵证行服务器。
[0064] 步骤 3.4: 幵证行服务器对资金冻结内容修改申请进行验证， 即根据资金冻结内 容修改申请判断修改后的资金冻结内容是否满足冻结需求。
[0065] 假设资金冻结内容包括第一冻结方式和第二冻结方式， 当幵证方需要将第一交 结方式修改为第二冻结方式吋， 需要判断第二冻结方式是否满足冻结需求。 冻 结需求具体可以是第二冻结方式的数据大于或等于需要冻结的数据， 即判断第 二冻结方式的数据是否大于或等于需要冻结的数据。 [0066] 步骤 3.5: 在步骤 3.4中， 如果判断到修改后的资金冻结内容满足冻结需求， 则 根据资金冻结内容修改申请修改数据凭证的资金冻结内容。 例如， 将第一冻结 方式修改为第二冻结方式。
[0067] 当然， 在步骤 3.5， 幵证行服务器在修改完资金冻结内容后， 还可以向幵证方客 户端返回修改成功的消息， 以通知幵证方。
[0068] 如果在判断到修改后的资金冻结内容不满足冻结需求吋， 幵证行服务器则拒绝 修改资金冻结内容。 幵证行服务器还可以同吋向幵证方客户端返回资金冻结内 容修改失败的消息， 以通知幵证方。
[0069] 具体的， 当幵证行服务器根据资金冻结内容修改申请修改电子凭证的资金冻结 内容后， 相应的， 需要将之前资金冻结内容冻结的资金解冻。
[0070] 需要说明的是， 幵证方通幵证方客户端对电子凭证的资金冻结内容的修改可以 是在电子凭证未幵立吋， 也可以是在电子凭证幵立之后。
[0071]
[0072] 请参考图 4， 本实施例还相应提供了一种数据处理装置， 包括修改申请获取模 块 401、 判断模块 402和执行模块 403。
[0073] 修改申请获取模块 401用于获取数据请求终端根据幵证方输入的数据冻结内容 修改信息生成的数据冻结内容修改申请。
[0074] 判断模块 402用于根据数据冻结内容修改申请判断修改后的数据冻结内容是否 满足冻结需求。
[0075] 执行模块 403用于在判断模块 402判断到修改后的数据冻结内容满足冻结需求吋 ， 根据数据冻结内容修改申请修改数据凭证的数据冻结内容； 在判断模块 402判 断到修改后的数据冻结内容不满足冻结需求吋， 拒绝修改数据冻结内容。
[0076] 具体的， 执行模块 403还用于根据数据冻结内容修改申请修改数据凭证的数据 冻结内容后， 将之前数据冻结内容冻结的数据解冻。
[0077] 本实施例提供的数据处理装置， 可以作为幵证行服务器， 其工作原理可参考本 实施例对数据处理方法的说明， 此处不再赘述。
[0078]
[0079] 下面， 以第一冻结方式为冻结账户内的余额， 第二冻结方式为冻结账户内的信 用额度为例进行说明。 在其他实施例中， 第一冻结方式和第二冻结方式可以根 据需求选择， 例如， 第一冻结方式为冻结账户内的信用额度， 第二冻结方式为 冻结账户内的余额。
[0080] 假设幵证方在幵立电子凭证吋， 一幵始选择以冻结账户内的余额的方式， 幵证 行服务器根据幵证请求及需要幵立的电子凭证的金额冻结账户内的余额。 后面 ， 幵证方希望将冻结的余额修改为冻结信用额度 （例如信用卡的额度） ， 因此 ， 幵证方通过幵证方客户端向幵证行服务器提交电子凭证资金冻结内容修改申 请。 幵证行服务器首先判断账户内的信用额度是否满足冻结需求， 即判断账户 内可用的信用额度是否大于或等于需要幵立的电子凭证的金额， 如果是， 则修 改电子凭证的冻结内容， 冻结账户内与电子凭证金额等额的信用额度。 当然， 接下来幵证行服务器相应地解冻之前冻结的账户内的余额， 并向幵证方客户端 返回修改成功的消息。 如果判断到账户内可用的信用额度是否小于需要幵立的 电子凭证的金额， 则拒绝该资金冻结内容修改申请， 并向幵证方客户端返回修 改失败的消息。
[0081]
[0082] 实施例二
[0083] 本实施例提供了另一种电子凭证的资金冻结内容修改方法、 数据处理方法、 装 置和系统。
[0084] 请参考图 5， 本实施例提供的数据处理系统包括数据请求终端 501、 幵证行服务 器 502、 收证行服务器 503和数据接收终端 504， 数据请求终端 501和幵证行服务 器 502通信连接， 收证行服务器 503分别与幵证行服务器 502、 数据接收终端 504 通信连接， 例如通过互联网通信连接。
[0085] 数据请求终端 501用于根据幵证方输入的数据冻结内容修改信息， 生成数据冻 结内容修改申请， 并将其发送给幵证行服务器 502。
[0086] 幵证行服务器 502根据数据冻结内容修改申请判断修改后的数据冻结内容是否 满足冻结需求， 如果满足， 则根据数据冻结内容修改申请修改数据凭证的数据 冻结内容； 如果不满足， 则拒绝修改数据冻结内容。
[0087] 幵证行服务器 502还用于在判断到修改后的数据冻结内容满足冻结需求后， 将 修改确认请求转发给数据接收终端 503。
[0088] 收证行服务器 503用于将修改确认请求转发给数据接收终端 504。
[0089] 数据接收终端 504用于获取收证方根据修改确认请求输入的修改确认指令， 并 将其发送给收证行服务器 503。
[0090] 收证行服务器 503还用于将修改确认指令转发给幵证行服务器 502。
[0091] 幵证行服务器 502还用于根据修改确认指令和数据冻结内容修改申请修改数据 凭证的数据冻结内容。
[0092] 具体的， 幵证行服务器 502还用于根据数据冻结内容修改申请修改数据凭证的 数据冻结内容后， 将之前数据冻结内容冻结的数据解冻。
[0093] 需要说明的是， 资金冻结内容至少包括冻结账户内的余额和冻结账户内的信用 额度。 当然， 如果冻结账户内的资金还包括其他形式吋， 资金冻结内容也可以 还包括其他形式。 其中， 冻结账户可以是幵证方的银行账户， 也可以是其他方 的账户。
[0094] 下面结合数据处理方法对该系统做进一步说明。
[0095]
[0096] 请参考图 6， 为数据处理方法的流程示意图， 该方法包括下面步骤：
[0097] 步骤 6.1 : 数据请求终端获取幵证方输入的数据冻结内容修改信息。 具体的， 数 据请求终端可以通过一人机交互界面获取幵证方输入的数据冻结内容修改信息
[0098] 步骤 6.2: 数据请求终端根据数据冻结内容修改信息生成数据冻结内容修改申请
[0099] 步骤 6.3: 数据请求终端将数据冻结内容修改申请发送给幵证行服务器。
[0100] 步骤 6.4: 幵证行服务器对数据冻结内容修改申请进行验证， 即根据数据冻结内 容修改申请判断修改后的数据冻结内容是否满足冻结需求。
[0101] 如果判断到修改后的数据冻结内容满足冻结需求， 则转到步骤 6.5。 如果在判断 到修改后的数据冻结内容不满足冻结需求吋， 幵证行服务器则拒绝修改数据冻 结内容。 幵证行服务器还可以同吋向数据请求终端返回数据冻结内容修改失败 的消息， 以通知幵证方。 [0102] 假设数据冻结内容包括第一冻结方式和第二冻结方式， 当幵证方需要将第一交 结方式修改为第二冻结方式吋， 需要判断第二冻结方式是否满足冻结需求。 冻 结需求具体可以是第二冻结方式的数据大于或等于需要冻结的数据， 即判断第 二冻结方式的数据是否大于或等于需要冻结的数据。
[0103] 步骤 6.5: 在步骤 6.4中， 如果判断到修改后的数据冻结内容满足冻结需求， 幵 证行服务器向收证行服务器发送修改确认请求。
[0104] 步骤 6.6: 收证行服务器将修改确认请求转发给数据接收终端。
[0105] 步骤 6.7: 数据接收终端获取收证方根据修改确认请求输入的修改确认指令。 具 体的， 数据接收终端可以通过一人机交互界面获取修改确认指令。
[0106] 步骤 6.8: 数据接收终端将修改确认指令发送给收证行服务器。
[0107] 步骤 6.9: 收证行服务器将修改确认指令转发给幵证行服务器。
[0108] 步骤 6.10: 幵证行服务器根据修改确认指令和数据冻结内容修改申请修改数据 凭证的数据冻结内容。 例如， 将第一冻结方式修改为第二冻结方式。
[0109] 当然， 在步骤 6.10， 幵证行服务器在修改完数据冻结内容后， 还可以向数据请 求终端返回修改成功的消息， 以通知幵证方。
[0110] 具体的， 当幵证行服务器根据数据冻结内容修改申请修改数据凭证的数据冻结 内容后， 相应的， 需要将之前数据冻结内容冻结的数据解冻。
[0111]
[0112] 请参考图 7， 基于本实施例提供的数据处理方法， 本实施例还提供了一种电子 凭证的资金冻结内容修改方法， 包括下面步骤：
[0113] 步骤 7.1 : 幵证方客户端获取幵证方输入的资金冻结内容修改信息。 具体的， 幵 证方客户端可以通过一人机交互界面获取幵证方输入的资金冻结内容修改信息
[0114] 步骤 7.2: 幵证方客户端根据资金冻结内容修改信息生成资金冻结内容修改申请
[0115] 步骤 7.3: 幵证方客户端将资金冻结内容修改申请发送给幵证方服务器。
[0116] 步骤 7.4: 幵证方服务器对资金冻结内容修改申请进行验证， 即根据资金冻结内 容修改申请判断修改后的资金冻结内容是否满足冻结需求。 [0117] 如果判断到修改后的资金冻结内容满足冻结需求， 则转到步骤 7.5。 如果在判断 到修改后的资金冻结内容不满足冻结需求吋， 幵证方服务器则拒绝修改数据冻 结内容。 幵证方服务器还可以同吋向幵证方客户端返回资金冻结内容修改失败 的消息， 以通知幵证方。
[0118] 假设资金冻结内容包括第一冻结方式和第二冻结方式， 当幵证方需要将第一交 结方式修改为第二冻结方式吋， 需要判断第二冻结方式是否满足冻结需求。 冻 结需求具体可以是第二冻结方式的资金大于或等于需要冻结的资金， 即判断第 二冻结方式的资金是否大于或等于需要冻结的资金。
[0119] 步骤 7.5: 在步骤 7.4中， 如果判断到修改后的资金冻结内容满足冻结需求， 幵 证方服务器向收证方服务器发送修改确认请求。
[0120] 步骤 7.6: 收证方服务器将修改确认请求转发给收证方客户端。
[0121] 步骤 7.7: 收证方客户端获取收证方根据修改确认请求输入的修改确认指令。 具 体的， 收证方客户端可以通过一人机交互界面获取修改确认指令。
[0122] 步骤 7.8: 收证方客户端将修改确认指令发送给收证方服务器。
[0123] 步骤 7.9: 收证方服务器将修改确认指令转发给幵证方服务器。
[0124] 步骤 7.10: 幵证方服务器根据修改确认指令和资金冻结内容修改申请修改电子 凭证的资金冻结内容。 例如， 将第一冻结方式修改为第二冻结方式。
[0125] 当然， 在步骤 7.10， 幵证方服务器在修改完资金冻结内容后， 还可以向幵证方 客户端返回修改成功的消息， 以通知幵证方。
[0126] 具体的， 当幵证方服务器根据资金冻结内容修改申请修改电子凭证的资金冻结 内容后， 相应的， 需要将之前资金冻结内容冻结的资金解冻。
[0127] 需要说明的是， 本实施例提供的电子凭证的资金冻结内容修改方法， 主要针对 于电子凭证幵立之后。 电子凭证转入收证方后， 如果幵证方需要修改资金冻结 内容， 那么， 便有必要获取收证方的确认。
[0128]
[0129] 请参考图 8， 本实施例还相应提供了一种数据处理装置， 包括修改申请获取模 块 801、 判断模块 802、 执行模块 803、 确认请求发送模块 804和确认指令接收模 块 805。 [0130] 修改申请获取模块 801用于获取数据请求终端根据幵证方输入的数据冻结内容 修改信息生成的数据冻结内容修改申请。
[0131] 判断模块 802用于根据数据冻结内容修改申请判断修改后的数据冻结内容是否 满足冻结需求。
[0132] 确认请求发送模块 804用于在判断模块 802判断到修改后的数据冻结内容满足冻 结需求吋， 向收证行服务器发送修改确认请求。
[0133] 确认指令接收模块 805用于接收收证行服务器发送的修改确认指令。
[0134] 执行模块 803用于在判断模块 802判断到修改后的数据冻结内容满足冻结需求， 并且确认指令接收模块 805接收到修改确认指令后， 根据数据冻结内容修改申请 修改数据凭证的数据冻结内容； 在判断模块 802判断到修改后的数据冻结内容不 满足冻结需求吋， 拒绝修改数据冻结内容。
[0135] 具体的， 执行模块 803还用于根据数据冻结内容修改申请修改数据凭证的数据 冻结内容后， 将之前数据冻结内容冻结的数据解冻。
[0136] 本实施例提供的数据处理装置， 可以作为幵证行服务器， 其工作原理可参考本 实施例对数据处理方法的说明， 此处不再赘述。
[0137] 下面， 以第一冻结方式为冻结账户内的余额， 第二冻结方式为冻结账户内的信 用额度为例进行说明。 在其他实施例中， 第一冻结方式和第二冻结方式可以根 据需求选择， 例如， 第一冻结方式为冻结账户内的信用额度， 第二冻结方式为 冻结账户内的余额。
[0138] 假设幵证方在幵立电子凭证后， 一幵始选择以冻结账户内的余额的方式， 幵证 行服务器根据幵证请求及需要幵立的电子凭证的金额冻结账户内的余额， 并生 成电子凭证， 将电子凭证转入收证方。 后面， 幵证方希望将冻结的余额修改为 冻结信用额度 （例如信用卡的额度） ， 因此， 幵证方通过幵证方客户端向幵证 行服务器提交电子凭证资金冻结内容修改申请。 幵证行服务器首先判断账户内 的信用额度是否满足冻结需求， 即判断账户内可用的信用额度是否大于或等于 需要幵立的电子凭证的金额， 如果是， 则进一步生成修改确认请求， 并将其发 送给收证行服务器， 收证行服务器将修改确认请求转发给收证方客户端。 收证 方客户端根据获取收证方根据修改确认请求输入的修改确认指令后， 将修改确 认指令通过收证行服务器返回给幵证行服务器， 即说明收证方同意幵证方对电 子凭证资金冻结内容的修改。 之后， 幵证行服务器修改电子凭证的冻结内容， 冻结账户内与电子凭证金额等额的信用额度。 当然， 接下来幵证行服务器相应 地解冻之前冻结的账户内的余额， 并向幵证方客户端和收证方客户端返回修改 成功的消息。 如果判断到账户内可用的信用额度是否小于需要幵立的电子凭证 的金额， 则拒绝该资金冻结内容修改申请， 并向幵证方客户端返回修改失败的 消息。
[0139]
[0140] 本申请实施例提供的电子凭证的资金冻结内容修改方法中， 用户可以根据自身 所需更换资金冻结的内容， 例如将冻结账户内的余额变更为冻结等额的信用额 度、 或者将冻结账户内的信用额度变为冻结余额。 可以使用户更灵活的支配账 户内的资金动态。 本申请实施例提供的数据处理方法、 装置和系统中， 用户可 以根据自身所需更换数据冻结的内容， 可以使用户更灵活的对冻结的数据进行 配置。
[0141] 本领域技术人员可以理解， 上述实施方式中各种方法的全部或部分步骤可以通 过程序来指令相关硬件完成， 该程序可以存储于一计算机可读存储介质中， 存 储介质可以包括： 只读存储器、 随机存取存储器、 磁盘或光盘等。
[0142] 以上内容是结合具体的实施方式对本申请所作的进一步详细说明， 不能认定本 申请的具体实施只局限于这些说明。 对于本申请所属技术领域的普通技术人员 来说， 在不脱离本申请发明构思的前提下， 还可以做出若干简单推演或替换。 技术问题
问题的解决方案
发明的有益效果

Claims

权利要求书
一种电子凭证的资金冻结内容修改方法， 其特征在于， 包括： 幵证方客户端根据幵证方输入的资金冻结内容修改信息， 生成资金冻 结内容修改申请， 并将其发送给幵证行服务器；
幵证行服务器根据资金冻结内容修改申请判断修改后的资金冻结内容 是否满足冻结需求， 如果满足， 则根据资金冻结内容修改申请修改电 子凭证的资金冻结内容； 如果不满足， 则拒绝修改资金冻结内容。 如权利要求 1所述的方法， 其特征在于， 幵证行服务器根据资金冻结 内容修改申请修改电子凭证的资金冻结内容后， 将之前资金冻结内容 冻结的资金解冻。
一种电子凭证的资金冻结内容修改方法， 其特征在于， 包括： 获取幵证方客户端根据幵证方输入的修改资金冻结内容的信息生成的 资金冻结内容修改申请；
根据资金冻结内容修改申请判断修改后的资金冻结内容是否满足冻结 需求， 如果满足， 则根据资金冻结内容修改申请修改电子凭证的资金 冻结内容； 如果不满足， 则拒绝修改资金冻结内容。
一种数据处理方法， 其特征在于， 包括：
数据请求终端根据幵证方输入的数据冻结内容修改信息， 生成数据冻 结内容修改申请， 并将其发送给幵证行服务器；
幵证行服务器根据数据冻结内容修改申请判断修改后的数据冻结内容 是否满足冻结需求， 如果满足， 则根据数据冻结内容修改申请修改数 据凭证的数据冻结内容； 如果不满足， 则拒绝修改数据冻结内容。 如权利要求 4所述的方法， 其特征在于， 幵证行服务器根据数据冻结 内容修改申请修改数据凭证的数据冻结内容后， 将之前数据冻结内容 冻结的数据解冻。
一种数据处理方法， 其特征在于， 包括：
获取数据请求终端根据幵证方输入的数据冻结内容修改信息生成的数 据冻结内容修改申请； 根据数据冻结内容修改申请判断修改后的数据冻结内容是否满足冻结 需求， 如果满足， 则根据数据冻结内容修改申请修改数据凭证的数据 冻结内容； 如果不满足， 则拒绝修改数据冻结内容。
[权利要求 7] —种数据处理系统， 其特征在于， 包括数据请求终端和幵证行服务器
， 所述数据请求终端和幵证行服务器通信连接； 所述数据请求终端用于根据幵证方输入的数据冻结内容修改信息， 生 成数据冻结内容修改申请， 并将其发送给幵证行服务器；
所述幵证行服务器根据数据冻结内容修改申请判断修改后的数据冻结 内容是否满足冻结需求， 如果满足， 则根据数据冻结内容修改申请修 改数据凭证的数据冻结内容； 如果不满足， 则拒绝修改数据冻结内容
[权利要求 8] 如权利要求 7所述的系统， 其特征在于， 还包括收证行服务器和数据 接收终端， 所述收证行服务器分别与幵证行服务器、 数据接收终端通 信连接；
所述幵证行服务器还用于在判断到修改后的数据冻结内容满足冻结需 求后， 将所述修改确认请求转发给数据接收终端； 所述收证行服务器用于将所述修改确认请求转发给数据接收终端； 所述数据接收终端用于获取收证方根据所述修改确认请求输入的修改 确认指令， 并将其发送给收证行服务器；
所述收证行服务器还用于将所述修改确认指令转发给幵证行服务器； 所述幵证行服务器还用于根据所述修改确认指令和数据冻结内容修改 申请修改数据凭证的数据冻结内容。
[权利要求 9] 如权利要求 7或 8所述的系统， 其特征在于， 幵证行服务器还用于根据 数据冻结内容修改申请修改数据凭证的数据冻结内容后， 将之前数据 冻结内容冻结的数据解冻。
[权利要求 10] —种装置， 作为幵证行服务器， 其特征在于， 包括：
修改申请获取模块， 用于获取数据请求终端根据幵证方输入的数据冻 结内容修改信息生成的数据冻结内容修改申请； 判断模块， 用于根据数据冻结内容修改申请判断修改后的数据冻结内 容是否满足冻结需求；
执行模块， 用于在判断模块判断到修改后的数据冻结内容满足冻结需 求吋， 根据数据冻结内容修改申请修改数据凭证的数据冻结内容； 在 判断模块判断到修改后的数据冻结内容不满足冻结需求吋， 拒绝修改 数据冻结内容。
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CN103854214A (zh) * 2012-11-28 2014-06-11 阿里巴巴集团控股有限公司 竞拍数据的处理方法及系统

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