WO2017012015A1 - 资金管理服务器、顺开证的数据处理方法及系统 - Google Patents

资金管理服务器、顺开证的数据处理方法及系统 Download PDF

Info

Publication number
WO2017012015A1
WO2017012015A1 PCT/CN2015/084584 CN2015084584W WO2017012015A1 WO 2017012015 A1 WO2017012015 A1 WO 2017012015A1 CN 2015084584 W CN2015084584 W CN 2015084584W WO 2017012015 A1 WO2017012015 A1 WO 2017012015A1
Authority
WO
WIPO (PCT)
Prior art keywords
certificate
management server
request
account
credit
Prior art date
Application number
PCT/CN2015/084584
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 PCT/CN2015/084584 priority Critical patent/WO2017012015A1/zh
Priority to CA2993254A priority patent/CA2993254C/en
Publication of WO2017012015A1 publication Critical patent/WO2017012015A1/zh

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Definitions

  • the present application relates to the field of computer data processing technologies, and in particular, to a fund management server, a data processing method and system for a Shunzhen card.
  • E-commerce uses the Internet platform to connect the participating parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, and reduces the entire transaction process by networking, electronic, and informatizing. The cost of the transaction increases the efficiency of the transaction.
  • the transfer of funds mainly relies on the traditional electronic direct transfer payment method and the third-party payment method, and the payment method is single, and all before the demand side has not received the purchase of goods.
  • the demand side's funds have been allocated to the account and cannot meet some potential business needs in the market.
  • the technical problem to be solved by the present application is to provide a fund management server, a data processing method and system for a suffocating certificate for the deficiencies of the prior art.
  • the present application provides a data processing method for a compliant certificate, including: [0010] a fund management server receives a request for a request from a demanding party;
  • the fund management server determines whether the demander meets the requirements of the certificate
  • the fund management server freezes the credit amount or the credit limit in the account specified by the demanding party, and extracts the electronic voucher.
  • the fund management server determines whether the demander meets the requirements of the certificate, and specifically includes: the fund management server verifies the identity of the demander and/or whether the account meets the requirements of the certificate.
  • the fund management server calls the account information of the demanding party, and determines whether the credit amount or the credit line in the account is greater than or equal to the payment amount requested in the request for the certificate.
  • the present application provides a data processing method for a compliant certificate, including:
  • the data requesting terminal generates a request for verification of the demanding party, and sends the request to the fund management server;
  • the money management server receives the certificate request
  • the money management server determines whether the request for the certificate meets the condition of the certificate
  • the fund management server freezes the credit amount or the credit limit in the account specified by the demanding party, and extracts the electronic voucher.
  • the above method further includes:
  • the money management server sends electronic voucher generation information to the data request terminal
  • the data requesting terminal receives the electronic voucher generation information.
  • the present application provides a data processing method for a compliant certificate, including:
  • the demand side generates a request for a certificate and sends it to the bank
  • the card issuing bank receives the request for the certificate
  • the bank confirms whether the demand side meets the requirements of the certificate
  • the bank shall freeze the amount of the credit card in the account designated by the demander or use the credit line, and extract the electronic certificate.
  • the application provides a fund management server, including a receiving module, a determining module, and a processing module;
  • the receiving module is configured to receive a request for a request from a demanding party
  • the determining module is configured to determine whether the demand side meets the requirements of the certificate
  • the processing module is configured to freeze the credit amount or the credit limit in the account specified by the demander after the demand party satisfies the certificate condition, and extract the electronic certificate.
  • the present application provides a data processing system for a pass, including a fund server and a data request terminal, the fund server including a receiving module, a determining module, and a processing module; a data requesting terminal, configured to generate a request for a request by the demanding party, and send the request for the certificate to the receiving module;
  • the receiving module is configured to receive the request for the certificate
  • the determining module is configured to determine whether the demand side meets the requirements of the certificate; [0036]
  • the processing module is configured to: after the demanding party satisfies the certification condition, freeze the credit amount or the credit limit in the account specified by the demander, and extract the electronic voucher.
  • the processing module is further configured to send the electronic voucher generation information to the data requesting terminal, where the data requesting terminal is further configured to receive the electronic voucher generating information.
  • the present application provides a money management server including a memory and a processor for storing computer instructions, the processor for performing the following steps according to the computer instructions:
  • the amount of the funds in the account designated by the demand side is frozen or the credit line is used, and the electronic certificate is extracted.
  • the server After receiving the request from the demanding party, the server first determines whether the demanding party satisfies the requirements of the certificate, and if so, freezes the amount of the funds in the account designated by the demanding party or the credit line. And e-voucher is issued, and the e-voucher is requested by the demanding party. Before the buyer receives the merchandise, the buyer's funds are always in the bank account, which can prevent the seller from receiving the merchandise without payment, and the capital security is high. It enriches the application scenarios of financial payment tools and provides a favorable tool to promote the mature development of e-commerce.
  • FIG. 1 is a flow chart of a data processing method of a compliant certificate of the present application in an embodiment
  • FIG. 2 is a flow chart of another embodiment of the data processing method of the compliant certificate of the present application.
  • FIG. 3 is a sequence flow chart of a data processing method of the compliant certificate of the present application.
  • FIG. 4 is a flow chart of another embodiment of the data processing system of the compliant certificate of the present application.
  • FIG. 5 is a schematic structural diagram of a fund management service server according to an embodiment of the present application.
  • FIG. 6 is a schematic structural diagram of a data processing system of a compliant certificate of the present application in an embodiment.
  • the electronic voucher described in the present solution that is, the electronic credit commitment 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 The electronic credit commitment payment voucher for payment settlement is agreed upon.
  • the usual business process of the electronic voucher mentioned in the present application is as follows:
  • the bank of securities freezes the required amount of funds according to the application of the witness to establish an electronic certificate, and the certificate is passed by the certificateee bank.
  • the bank will release the funds and handle 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 of the present application includes the following steps:
  • Step 102 The fund management server receives the request for confirmation from the demanding party.
  • the demand side can send a request for a certificate through the data request terminal.
  • the fund management server is usually installed at the bank of the bank, that is, the fund management server is used as a server of the bank, and the demander is the buyer.
  • 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, such as the deposit account number, etc. It is convenient for the recipient and the e-voucher to receive. The demanding party may also not specify the recipient, so that anyone who obtains the electronic voucher information can receive the electronic voucher.
  • Step 104 The fund management server determines whether the demander meets the requirements of the certificate.
  • Step 106 If yes, the fund management server freezes the credit amount in the account specified by the demanding party or uses the credit line, and extracts the electronic certificate.
  • the account specified by the demand side may be the account of the demander's own account or the account of another person specified by the demander.
  • the amount of credit or the credit line in the demand side account is sufficient, and the witness bank (the demand side) requests to freeze the funds or use the credit to generate an electronic voucher, and the same information is sent to the electronic voucher. Demand side. Conversely, the feedback is sent to the demand side, and the verification process is completed. Of course, it is not necessarily the case that the account information of the witness is called for comparison, and the account of another person may be called.
  • the step 104 may specifically include the following steps: The fund management server verifies the identity of the demanding party and/or Or whether the account meets the requirements for certification.
  • the card verified the identity information of the witness 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 case 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 bank; the third verification case refers to whether the applicant has a bad credit record, whether it is a whitelist or a blacklist. ? Specific verification can be achieved by mobile phone dynamic code.
  • the step 104 may further include the following steps: the fund management server invokes the account information specified by the demanding party, and determines whether the amount of the funds in the account designated by the demanding party or the amount of the crediting authority is greater than or equal to the request for the certificate. The amount of payment requested.
  • Step 106 may further include the following steps, which are specifically:
  • the fund management server transmits the electronic voucher generation information to the data requesting terminal.
  • Embodiment 2 is a diagrammatic representation of Embodiment 1
  • FIG. 2 another embodiment of the data processing method of the compliant certificate of the present application includes the following steps:
  • Step 202 The data requesting terminal generates a request for verification of the demanding party, and sends the request to the fund management server.
  • Step 204 The fund management server receives the certificate request.
  • Step 206 The fund management server determines whether the demander meets the requirements of the certificate.
  • Step 208 If yes, the fund management server freezes the credit amount in the account specified by the demander or uses the credit line, and extracts the electronic certificate.
  • the account specified by the demand side may be the account of the demander's own account or the account of another person specified by the demander.
  • step 208 the following steps may also be included:
  • the fund management server transmits the electronic voucher generation information to the data requesting terminal.
  • the data requesting terminal receives the electronic voucher generation information.
  • a specific application example of the data processing method of the compliant certificate of the present application includes the following steps:
  • Step 302 The demand side generates a certificate request through the client.
  • the request for certification includes the identity information of the witness and the payment account information.
  • the demanding party may also not specify the recipient, so that anyone who obtains the electronic voucher information can receive the electronic voucher.
  • Step 304 The confirmation bank receives the request for the certificate, and determines whether the request for the certificate of the demand party meets the requirements of the certificate. If yes, go to step 306. Otherwise, the feedback will be sent to the demander to terminate the certificate or regenerate the request.
  • 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 case 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 bank; the third verification case refers to whether the applicant has a bad credit record, whether it is a whitelist or a blacklist. ? Specific verification can be achieved by mobile phone dynamic code.
  • Step 306 The securities bank calls the data in the account specified by the demanding party to obtain funds or credit information, and determines whether the quota is sufficient. If sufficient, step 308 is performed, and vice versa, the feedback result is sent to the demand side, and the verification process is ended.
  • step 308 is performed, and vice versa, the feedback result is sent to the demand side, and the verification process is ended.
  • the account information of the witness is called for comparison, and the account of another person can also be used for verification.
  • Step 308 When the funds or the credits in the designated account are sufficient, the bank may freeze the funds or use the credit to generate the electronic certificate, and the demand party uses the debit card to freeze the debit. If the card is used, if the credit card is used, the credit card will be frozen. The peer sends the information generating the electronic voucher to the demanding party.
  • Step 310 The demand side receives the information of the generated electronic voucher, and completes the process of verifying the entire electronic voucher.
  • a fixed, regular, and fixed electronic vouchers can also be set.
  • the peer can also set the payment conditions of the electronic voucher, such as setting the settlement rule, setting the situation to freeze the multiple payment, and so on.
  • the demand side may pre-authorize the securities bank to freeze or use the credit to withdraw the electronic voucher for the unrecognized payment account, and when the transaction occurs, tell the demanding party the electronic voucher information, that is, tell the buyer electronic Voucher information, the seller fills in the payment account.
  • the demanding party requests the securities bank to establish an electronic voucher, which does not specify the recipient. After purchasing the electronic voucher, it can be used flexibly and conveniently. Since the buyer’s funds have been in the bank account before the goods are received, The high security of funds has enriched the application scenarios of financial payment instruments and provided a favorable tool for promoting the mature development of e-commerce.
  • the demand side fills in the receiving account number and directly realizes the peer-to-peer electronic certificate standing.
  • the designated certificate holder establishes the electronic certificate, the card is implemented through this technical solution.
  • the process of the certificate is simple and convenient, and the point-to-point payment is realized.
  • the buyer's funds are always in the bank account. high.
  • the data processing method of the compliant certificate of the present application includes the following steps:
  • Step 402 The demand side generates a certificate request and sends it to the bank.
  • Step 404 The verification bank receives the request for confirmation.
  • Step 406 The bank determines whether the demander meets the requirements of the certificate.
  • the bank has determined whether the buyer's demand side meets the requirements of the certificate by the following two aspects:
  • the bank confirms whether the identity of the demanding party and/or the account meets the requirements for certification. To determine whether the certificate requirements are met, it is necessary to verify the identity and/or account number of the witness (ie the demander). The bank has verified the identity information of the witness.
  • 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 case 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 bank; the third verification case refers to whether the applicant has a bad credit record, whether it is a whitelist or a blacklist. ? Specific verification can be achieved by mobile phone dynamic code.
  • the securities bank invokes the account information of the demanding party to determine whether the amount of credit or the credit line in the demanding party account is greater than or equal to the amount of the payment requested in the request for the certificate.
  • Step 408 If satisfied, the securities bank freezes the credit amount in the account designated by the demanding party or the credit line in the account specified by the demanding party, and extracts the electronic certificate.
  • the account specified by the demand side of the place may be the demander's own account or the account of another person designated by the demander.
  • Embodiment 4 [0096] As shown in FIG. 5, the fund management server 10 of the present application, an embodiment thereof, includes a receiving module 11
  • the receiving module 11 is configured to receive a request for the request of the demanding party; the determining module 12 is configured to determine whether the demanding party meets the requirements of the claim; and the processing module 13 is configured to: The amount of the funds in the designated account or the credit line is used, and the electronic certificate is issued.
  • the processing module 13 is further operable to send the electronic credential generation information to the data requesting terminal 20.
  • Embodiment 5 [0099] Embodiment 5:
  • an embodiment of the data processing system of the present application includes a fund management server 10 and a data requesting terminal 20.
  • the money management server 10 includes a receiving module 11, a judging module 12, and a processing module 13.
  • the data requesting terminal 20 is configured to generate a request for the request from the demanding party, and send the request for the authentication to the receiving module 11; the receiving module 11 is configured to receive the request for the authentication; and the determining module 12 is configured to determine whether the demanding party is satisfied.
  • the processing module 13 is configured to freeze the credit amount or the credit limit in the account designated by the demander after the demand side satisfies the certification condition, and extract the electronic certificate.
  • the processing module 13 can also be configured to send the electronic voucher generation information to the data requesting terminal 20; and the data requesting terminal 20 can also be configured to receive the electronic voucher generating information.
  • Embodiment 6 is a diagrammatic representation of Embodiment 6
  • Another embodiment of the fund management server of the present application includes a memory and a processor, the memory is configured to store computer instructions, and the processor is configured to perform the following steps according to the computer instructions:

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Finance (AREA)
  • Economics (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

本申请公开了一种顺开证的数据处理方法，包括：服务器接收需求方的开证请求；所述服务器判断所述需求方是否满足开证要求；若满足，所述服务器冻结需求方指定的账户内的开证资金额度或支用授信额度，并开出电子凭证。本申请还公开了一种顺开证的数据处理系统和资金管理服务器。本申请由于资金管理服务器接收需求方的开证请求后，先判断需求方是否满足开证要求，若满足则冻结需求方指定的账户内的开证资金额度或支用授信额度，并开出电子凭证，通过需求方请求开证行开立电子凭证，在未收到商品前，资金一直处于银行账户中，可避免需求方收到商品后不付款，资金安全度高，丰富了金融支付工具的应用场景，为助推电子商务的成熟发展提供了有利的工具。

Description

资金管理服务器、 顺幵证的数据处理方法及系统 技术领域
[0001] 本申请涉及计算机数据处理技术领域， 尤其涉及一种资金管理服务器、 顺幵证 的数据处理方法及系统。
[0002]
[0003] 背景技术
[0004] 电子商务利用 Internet平台将传统商务活动中的参与各方 （买家、 卖家、 物流公 司、 金融机构等） 连接在一起， 通过将整个交易过程网络化、 电子化、 信息化 ， 减低了交易的成本、 提高了交易效率。
[0005] 但是， 现行的电子商务应用中， 资金的传递主要还是依赖传统的电子直接转账 支付的方式和第三方支付的方式完成， 支付方式单一， 且都是在需求方未收到 购买商品前， 就已经将需求方的资金划拨出账户， 无法满足市场上一些潜在的 商务需要。
[0006]
[0007] 发明内容
[0008] 本申请要解决的技术问题是针对现有技术的不足， 提供一种资金管理服务器、 顺幵证的数据处理方法及系统。
[0009] 根据本申请的第一方面， 本申请提供一种顺幵证的数据处理方法， 包括： [0010] 资金管理服务器接收需求方的幵证请求；
[0011] 所述资金管理服务器判断所述需求方是否满足幵证要求；
[0012] 若满足， 所述资金管理服务器冻结需求方指定的账户内的幵证资金额度或支用 授信额度， 并幵出电子凭证。
[0013] 上述方法， 所述资金管理服务器判断需求方是否满足幵证要求， 具体包括： 所 述资金管理服务器验证所述需求方的身份和 /或所述账户是否符合幵证要求。
[0014] 上述方法， 所述资金管理服务器调用所述需求方的账户信息， 判断所述账户内 的幵证资金额度或授信额度是否大于或等于所述幵证请求中所申请的支付数额 [0015] 根据本申请的第二方面， 本申请提供一种顺幵证的数据处理方法， 包括：
[0016] 数据请求终端生成需求方的幵证请求， 并发送给资金管理服务器；
[0017] 所述资金管理服务器接收所述幵证请求；
[0018] 所述资金管理服务器判断所述幵证请求是否满足幵证条件；
[0019] 若满足， 所述资金管理服务器冻结需求方指定的账户内的幵证资金额度或支用 授信额度， 并幵出电子凭证。
[0020] 上述方法， 还包括：
[0021] 所述资金管理服务器将电子凭证生成信息发送给所述数据请求终端；
[0022] 所述数据请求终端接收所述电子凭证生成信息。
[0023] 根据本申请的第三方面， 本申请提供一种顺幵证的数据处理方法， 包括：
[0024] 需求方生成幵证请求， 并发送给幵证行；
[0025] 所述幵证行接收所述幵证请求；
[0026] 所述幵证行判断所述需求方是否满足幵证要求；
[0027] 若满足， 所述幵证行冻结所述需求方指定的账户内的幵证资金额度或支用授信 额度， 并幵出电子凭证。
[0028] 根据本申请的第四方面， 本申请提供一种资金管理服务器， 包括接收模块、 判 断模块和处理模块；
[0029] 所述接收模块， 用于接收需求方的幵证请求；
[0030] 所述判断模块， 用于判断需求方是否满足幵证要求；
[0031] 所述处理模块， 用于在所述需求方满足幵证条件吋， 冻结需求方指定的账户内 的幵证资金额度或支用授信额度， 并幵出电子凭证。
[0032] 根据本申请的第五方面， 本申请提供一种顺幵证的数据处理系统， 包括资金服 务器和数据请求终端， 所述资金服务器包括接收模块、 判断模块和处理模块； [0033] 所述数据请求终端， 用于生成需求方的幵证请求， 并将所述幵证请求发送给所 述接收模块；
[0034] 所述接收模块， 用于接收所述幵证请求；
[0035] 所述判断模块， 用于判断需求方是否满足幵证要求； [0036] 所述处理模块， 用于在所述需求方满足幵证条件吋， 冻结所述需求方指定的账 户内的幵证资金额度或支用授信额度， 并幵出电子凭证。
[0037] 上述系统， 所述处理模块， 还用于将电子凭证生成信息发送给所述数据请求终 端； 所述数据请求终端， 还用于接收所述电子凭证生成信息。
[0038] 根据本申请的第六方面， 本申请提供一种资金管理服务器， 包括存储器和处理 器， 所述存储器用于存储计算机指令， 所述处理器用于根据所述计算机指令执 行以下步骤：
[0039] 接收需求方发送的幵证请求；
[0040] 判断需求方是否满足幵证要求；
[0041] 若满足， 冻结所述需求方指定的账户内的幵证资金额度或支用授信额度， 并幵 出电子凭证。
[0042] 由于采用了以上技术方案， 使本申请具备的有益效果在于：
[0043] 本申请由于幵证行服务器接收需求方的幵证请求后， 先判断需求方是否满足幵 证要求， 若满足则冻结需求方指定的账户内的幵证资金额度或支用授信额度， 并幵出电子凭证， 通过需求方请求幵证行幵立电子凭证， 买家未收到商品前， 买家资金一直处于银行账户中， 可避免卖家收到商品后不付款， 资金安全度高 ， 丰富了金融支付工具的应用场景， 为助推电子商务的成熟发展提供了有利的 工具。
[0044]
[0045] 附图说明
[0046] 图 1为本申请的顺幵证的数据处理方法在一种实施方式中的流程图；
[0047] 图 2为本申请的顺幵证的数据处理方法在另一种实施方式中的流程图；
[0048] 图 3为本申请的顺幵证的数据处理方法的顺序流程图；
[0049] 图 4为本申请的顺幵证的数据处理系统在另一种实施方式中的流程图；
[0050] 图 5为本申请的资金管理服务服务器在一种实施方式中的结构示意图；
[0051] 图 6为本申请的顺幵证的数据处理系统在一种实施方式中的结构示意图。
[0052]
[0053] 具体实施方式 [0054] 下面通过具体实施方式结合附图对本申请作进一步详细说明。
[0055] 本方案所述的电子凭证即银行承诺按约定条件解付资金的电子信用承诺支付凭 证， 是指银行根据幵证人的申请冻结所需数额资金或使用信用额度而幵立， 并 承诺依照约定解付条件办理支付结算的电子信用承诺支付凭证。
[0056] 本申请中所提及的电子凭证通常的业务流程为： 幵证银行 （幵证行） 根据幵证 人的申请冻结所需数额资金以幵立电子凭证， 并由收证人通过收证银行进行收 证， 当约定解付条件达成吋， 由幵证银行将资金解付并通过收证银行向收证人 办理支付结算。
[0057] 实施例一：
[0058] 如图 1所示， 本申请的顺幵证的数据处理方法， 其一种实施方式， 包括以下步 骤：
[0059] 步骤 102: 资金管理服务器接收需求方的幵证请求。 需求方可通过数据请求终 端发送幵证请求。 在本实施方式中， 资金管理服务器通常设置在幵证银行， 也 就是该资金管理服务器作为幵证行的服务器使用， 需求方为买方。
[0060] 幵证请求包括幵证人的身份信息和支付账号信息。 还可包括指定收证人的信息 ， 如收证人姓名、 手机、 邮箱， 身份证、 微信号、 QQ号等能与收证人对应的信 息， 收证人账号， 如存款账号等， 通过此收证人的信息， 便于收证人及吋接收 电子凭证。 需求方也可以不指定收证人， 这样任何获取该电子凭证信息的人都 可以接收该电子凭证。
[0061] 步骤 104: 资金管理服务器判断需求方是否满足幵证要求。
[0062] 步骤 106: 若满足， 资金管理服务器冻结需求方指定的账户内的幵证资金额度 或支用授信额度， 并幵出电子凭证。 需求方指定的账户可以是需求方自己的账 户， 也可以是需求方指定的他人的账户。
[0063] 需求方账户内的幵证资金额度或授信额度充足， 幵证行受幵证人 （需求方） 的 请求冻结资金或支用授信， 生成电子凭证， 同吋将生成电子凭证的信息发送给 需求方。 反之， 反馈结果给需求方， 结束幵证流程。 当然， 也并非一定是调用 幵证人的账户信息进行比对， 也可以调用他人的账户幵证。
[0064] 其中， 步骤 104具体可以包括以下步骤： 资金管理服务器验证需求方的身份和 / 或账户是否符合幵证要求。
[0065] 判断是否满足幵证要求， 需要校验幵证人 （即需求方） 的身份和 /或账号。 幵 证行对该幵证人的身份信息进行校验。 该处的校验可能具有以下几种情形： 第 一种校验情形是指校验幵证人是否在幵证银行有幵户信息， 第二种校验情形是 指该幵证申请人是否为真实有效的， 也就是实名制认证， 不要求幵证人在幵证 行一定有幵户账号； 第三种校验情形是指判定该幵证申请人是否有不良信用记 录， 是白名单用户还是黑名单用户？ 具体验证吋， 可以通过手机动态码实现。
[0066] 进一步地， 步骤 104还可以包括以下步骤： 资金管理服务器调用需求方指定的 账户信息， 判断需求方指定的账户内的幵证资金额度或支用授信额度是否大于 或等于幵证请求中所申请的支付数额。
[0067] 步骤 106后还可以包括以下步骤， 其具体为：
[0068] 资金管理服务器将电子凭证生成信息发送给数据请求终端。
[0069] 实施例二：
[0070] 如图 2所示， 本申请的顺幵证的数据处理方法， 其另一种实施方式， 包括以下 步骤：
[0071] 步骤 202: 数据请求终端生成需求方的幵证请求， 并发送给资金管理服务器。
[0072] 步骤 204: 资金管理服务器接收幵证请求。
[0073] 步骤 206: 资金管理服务器判断需求方是否满足幵证要求。
[0074] 步骤 208: 若满足， 资金管理服务器冻结需求方指定的账户内的幵证资金额度 或支用授信额度， 并幵出电子凭证。 需求方指定的账户可以是需求方自己的账 户， 也可以是需求方指定的他人的账户。
[0075] 在一种实施方式中， 步骤 208之后， 还可以包括以下步骤：
[0076] 资金管理服务器将电子凭证生成信息发送给数据请求终端。 数据请求终端接收 电子凭证生成信息。
[0077] 如图 3所示， 本申请的顺幵证的数据处理方法， 其一种具体应用例， 包括以下 步骤：
[0078] 步骤 302: 需求方通过客户端生成幵证请求。
[0079] 幵证请求包括幵证人的身份信息和支付账号信息。 还可包括指定收证人的信息 ， 如收证人姓名、 手机、 邮箱， 身份证、 微信号、 QQ号等能与收证人对应的信 息， 收证人账号， 如存款账号等， 通过此收证人的信息， 便于收证人及吋接收 电子凭证。 需求方也可以不指定收证人， 这样任何获取该电子凭证信息的人都 可以接收该电子凭证。
[0080] 步骤 304: 幵证行接收幵证请求， 判定该需求方的幵证请求是否符合幵证要求 。 若是符合， 执行步骤 306， 否则， 反馈结果给需求方终止幵证或重新生成幵证 请求。
[0081] 判断是否满足幵证要求， 首先需要校验幵证人 （即需求方） 的账号或身份。 幵 证行对该幵证人的身份信息进行校验。 该处的校验可能具有以下几种情形： 第 一种校验情形是指校验幵证人是否在幵证银行有幵户信息， 第二种校验情形是 指该幵证申请人是否为真实有效的， 也就是实名制认证， 不要求幵证人在幵证 行一定有幵户账号； 第三种校验情形是指判定该幵证申请人是否有不良信用记 录， 是白名单用户还是黑名单用户？具体验证吋， 可以通过手机动态码实现。
[0082] 步骤 306: 幵证行调用需求方指定的账户内的数据， 获取资金或授信信息， 判 定能否其额度是否充足？若充足， 则执行步骤 308， 反之， 反馈结果给需求方， 结束幵证流程。 当然， 可以理解的， 该处也并非一定是调用幵证人的账户信息 进行比对， 也可以通过调用他人的账户幵证。
[0083] 步骤 308: 当指定的账户内的资金或支用授信足够吋， 幵证行受幵证人的请求 冻结资金或支用授信生成电子凭证， 需求方如使用借记卡， 则冻结借记卡内的 资金， 如使用信用卡， 则冻结信用卡支用授信。 同吋将生成电子凭证的信息发 送给需求方。
[0084] 步骤 310: 需求方接收生成的电子凭证的信息， 完成整个电子凭证的幵证过程
[0085] 幵证过程中还可设置定吋、 定期、 定额幵立电子凭证。 同吋亦可以设置该电子 凭证的解付条件， 如设置解付的规则， 设置成一次幵证冻结多次解付的情形等 等。
[0086] 例如， 需求方可预先委托幵证行将资金冻结或支用授信， 幵出不确定收款账号 的电子凭证， 当发生交易吋， 告诉需求方电子凭证信息， 也就是告诉买家电子 凭证信息， 卖家填写收款账户。 通过需求方请求幵证行幵立电子凭证， 该电子 凭证没有指定收证人， 在需要使用电子凭证购买吋， 可灵活便捷的使用， 由于 未收到商品前， 买家资金一直处于银行账户中， 资金安全度高， 丰富了金融支 付工具的应用场景， 为助推电子商务的成熟发展提供了有利的工具。 在具有指 定收证人的情况下， 由需求方填写收证账号， 直接实现点对点的电子凭证幵立 。 当指定收证人幵立电子凭证吋， 通过本技术方案实施幵证， 幵证流程简单便 捷， 实现点对点的支付， 买家在未收到商品前， 买家资金一直处于银行账户中 ， 资金安全度高。
[0087] 实施例三：
[0088] 如图 4所示， 本申请的顺幵证的数据处理方法， 其又一种实施方式， 包括以下 步骤：
[0089] 步骤 402: 需求方生成幵证请求， 并发送给幵证行。
[0090] 步骤 404: 幵证行接收幵证请求。
[0091] 步骤 406: 幵证行判断需求方是否满足幵证要求。 幵证行通过以下两个方面判 断买方需求方是否满足幵证要求：
[0092] 幵证行验证需求方的身份和 /或账户是否符合幵证要求。 判断是否满足幵证要 求， 需要校验幵证人 （即需求方） 的身份和 /或账号。 幵证行对该幵证人的身份 信息进行校验。 该处的校验可能具有以下几种情形： 第一种校验情形是指校验 幵证人是否在幵证银行有幵户信息， 第二种校验情形是指该幵证申请人是否为 真实有效的， 也就是实名制认证， 不要求幵证人在幵证行一定有幵户账号； 第 三种校验情形是指判定该幵证申请人是否有不良信用记录， 是白名单用户还是 黑名单用户？ 具体验证吋， 可以通过手机动态码实现。
[0093] 幵证行调用需求方的账户信息， 判断需求方账户内的幵证资金额度或授信额度 是否大于或等于所述幵证请求中所申请的支付数额。
[0094] 步骤 408: 若满足， 幵证行冻结需求方指定的账户内的幵证资金额度或支用需 求方指定的账户内的授信额度， 并幵出电子凭证。 该处的需求方指定的账户可 以是需求方自己的账户， 也可以是需求方指定的他人的账户。
[0095] 实施例四： [0096] 如图 5所示， 本申请的资金管理服务器 10， 其一种实施方式， 包括接收模块 11
、 判断模块 12和处理模块 13。
[0097] 接收模块 11， 用于接收需求方的幵证请求； 判断模块 12， 用于判断需求方是否 满足幵证要求； 处理模块 13， 用于在需求方满足幵证条件吋， 冻结需求方指定 的账户内的幵证资金额度或支用授信额度， 并幵出电子凭证。
[0098] 在一种实施方式中， 处理模块 13还可用于将电子凭证生成信息发送给数据请求 终端 20。
[0099] 实施例五：
[0100] 如图 6所示， 本申请的顺幵证的数据处理系统， 其一种实施方式， 包括资金管 理服务器 10和数据请求终端 20。 资金管理服务器 10包括接收模块 11、 判断模块 1 2和处理模块 13。
[0101] 数据请求终端 20用于生成需求方的幵证请求， 并将幵证请求发送给接收模块 11 ； 接收模块 11， 用于接收幵证请求； 判断模块 12， 用于判断需求方是否满足幵 证要求； 处理模块 13， 用于在需求方满足幵证条件吋， 冻结需求方指定的账户 内的幵证资金额度或支用授信额度， 并幵出电子凭证。
[0102] 本申请的顺幵证的数据处理系统， 处理模块 13还可以用于将电子凭证生成信息 发送给数据请求终端 20; 数据请求终端 20， 还可用于接收电子凭证生成信息。
[0103] 实施例六：
[0104] 本申请的资金管理服务器， 其另一种实施方式， 包括存储器和处理器， 存储器 用于存储计算机指令， 处理器用于根据计算机指令执行以下步骤：
[0105] 接收需求方发送的幵证请求；
[0106] 判断需求方是否满足幵证要求；
[0107] 若满足， 冻结需求方指定的账户内的幵证资金额度或支用授信额度， 并幵出电 子凭证。
[0108]
[0109] 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
[权利要求 1] 一种顺幵证的数据处理方法， 其特征在于， 包括：
资金管理服务器接收需求方的幵证请求；
所述资金管理服务器判断所述需求方是否满足幵证要求；
若满足， 所述资金管理服务器冻结需求方指定的账户内的幵证资金额 度或支用授信额度， 并幵出电子凭证。
[权利要求 2] 如权利要求 1所述的顺幵证的数据处理方法， 其特征在于， 所述资金 管理服务器判断需求方是否满足幵证要求， 具体包括：
所述资金管理服务器验证所述需求方的身份和 /或所述账户是否符合 幵证要求。
[权利要求 3] 如权利要求 2所述的顺幵证的数据处理方法， 其特征在于， 所述资金 管理服务器判断所述需求方是否满足幵证要求， 还包括：
所述资金管理服务器调用所述账户的信息， 判断所述账户内的幵证资 金额度或授信额度是否大于或等于所述幵证请求中所申请的支付数额
[权利要求 4] 一种顺幵证的数据处理方法， 其特征在于， 包括：
数据请求终端生成需求方的幵证请求， 并发送给资金管理服务器； 所述资金管理服务器接收所述幵证请求；
所述资金管理服务器判断所述幵证请求是否满足幵证条件； 若满足， 所述资金管理服务器冻结需求方指定的账户内的幵证资金额 度或授信额度， 并幵出电子凭证。
[权利要求 5] 如权利要求 4所述的顺幵证的数据处理方法， 其特征在于， 还包括： 所述资金管理服务器将电子凭证生成信息发送给所述数据请求终端； 所述数据请求终端接收所述电子凭证生成信息。
[权利要求 6] —种顺幵证的数据处理方法， 其特征在于， 包括：
需求方生成幵证请求， 并发送给幵证行；
所述幵证行接收所述幵证请求；
所述幵证行判断所述需求方是否满足幵证要求； 若满足， 所述幵证行冻结所述需求方指定的账户内的幵证资金额度或 支用授信额度， 并幵出电子凭证。
[权利要求 7] —种资金管理服务器， 其特征在于， 包括接收模块、 判断模块和处理 模块；
所述接收模块， 用于接收需求方的幵证请求；
所述判断模块， 用于判断需求方是否满足幵证要求；
所述处理模块， 用于在所述需求方满足幵证条件吋， 冻结所述需求方 指定的账户内的幵证资金额度或支用授信额度， 并幵出电子凭证。
[权利要求 8] —种顺幵证的数据处理系统， 其特征在于， 包括资金管理服务器和数 据请求终端， 所述资金管理服务器包括接收模块、 判断模块和处理模 块；
所述数据请求终端， 用于生成需求方的幵证请求， 并将所述幵证请 求发送给所述接收模块；
所述接收模块， 用于接收所述幵证请求；
所述判断模块， 用于判断需求方是否满足幵证要求；
所述处理模块， 用于在所述需求方满足幵证条件吋， 冻结所述需求方 指定的账户内的幵证资金额度或支用授信额度， 并幵出电子凭证。
[权利要求 9] 如权利要求 8所述的顺幵证的数据处理系统， 其特征在于，
所述处理模块， 还用于将电子凭证生成信息发送给所述数据请求终端 所述数据请求终端， 还用于接收所述电子凭证生成信息。
[权利要求 10] —种资金管理服务器， 其特征在于， 包括存储器和处理器， 所述存 储器用于存储计算机指令， 所述处理器用于根据所述计算机指令执行 以下步骤：
接收需求方发送的幵证请求；
判断需求方是否满足幵证要求；
若满足， 冻结所述需求方指定的账户内的幵证资金额度或支用授信额 度， 并幵出电子凭证。
PCT/CN2015/084584 2015-07-21 2015-07-21 资金管理服务器、顺开证的数据处理方法及系统 WO2017012015A1 (zh)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/CN2015/084584 WO2017012015A1 (zh) 2015-07-21 2015-07-21 资金管理服务器、顺开证的数据处理方法及系统
CA2993254A CA2993254C (en) 2015-07-21 2015-07-21 Money management server, and data processing method and system for organising issuing of certificate

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084584 WO2017012015A1 (zh) 2015-07-21 2015-07-21 资金管理服务器、顺开证的数据处理方法及系统

Publications (1)

Publication Number Publication Date
WO2017012015A1 true WO2017012015A1 (zh) 2017-01-26

Family

ID=57833649

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2015/084584 WO2017012015A1 (zh) 2015-07-21 2015-07-21 资金管理服务器、顺开证的数据处理方法及系统

Country Status (2)

Country Link
CA (1) CA2993254C (zh)
WO (1) WO2017012015A1 (zh)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101231727A (zh) * 2008-02-20 2008-07-30 深圳矽感科技有限公司 一种电子支票支付方法及其实现系统
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
CN104301293A (zh) * 2013-07-19 2015-01-21 阿里巴巴集团控股有限公司 数据处理方法、装置和系统

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
CN101231727A (zh) * 2008-02-20 2008-07-30 深圳矽感科技有限公司 一种电子支票支付方法及其实现系统
CN104301293A (zh) * 2013-07-19 2015-01-21 阿里巴巴集团控股有限公司 数据处理方法、装置和系统

Also Published As

Publication number Publication date
CA2993254C (en) 2023-01-31
CA2993254A1 (en) 2017-01-26

Similar Documents

Publication Publication Date Title
CA2947281C (en) Method and system for authentication token generation
CA3058591C (en) Cross-funds management server-based payment system, and method, device and server therefor
JP2023500260A (ja) 代理相互台帳認証
WO2017012006A1 (zh) 代开电子凭证的数据处理方法、系统及资金管理服务器
WO2017012005A1 (zh) 资金管理服务器、跨行开电子凭证的数据处理方法及系统
WO2017012015A1 (zh) 资金管理服务器、顺开证的数据处理方法及系统
WO2017012017A1 (zh) 资金管理服务器、邀约开证的数据处理方法及系统
TW201928817A (zh) 付款確認系統
CA2993589C (en) Certificate issuing server, and data processing method and system for issuing certificate via invitation of certificate receiving bank
WO2017012008A1 (zh) 一种修改电子凭证有效期的方法、服务器、终端和系统
WO2017012058A1 (zh) 一种电子凭证开证方法和系统
WO2017012059A1 (zh) 一种电子凭证申请的撤回方法、装置和系统
Wan et al. Secure mobile payment based on super set protocol
CN106203972A (zh) 基于同一资金服务器的支付系统及方法、装置和服务器
WO2024026220A1 (en) Systems and methods for transacting over a network
WO2017012019A1 (zh) 一种开设定额电子凭证的数据处理方法、装置及服务器
WO2017012021A1 (zh) 批量开立电子凭证的方法、系统和设备
WO2017012029A1 (zh) 一种自动配置电子凭证解付条件的方法及系统
WO2017012020A1 (zh) 一种定期开设电子凭证的数据处理方法、服务器及其装置
WO2017012051A1 (zh) 收证方法、装置及系统
WO2017012025A1 (zh) 一种电子凭证收证时效的设定方法及系统
WO2017012022A1 (zh) 电子凭证的开证方法、数据交互处理方法、装置和系统
WO2017012047A1 (zh) 电子凭证的履约信息传输方法、装置及系统
WO2017012050A1 (zh) 收证方法、装置及系统
CA3176595A1 (en) Payment system based on shared funds-management server, and method, device and server therefor

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 15898571

Country of ref document: EP

Kind code of ref document: A1

ENP Entry into the national phase

Ref document number: 2993254

Country of ref document: CA

NENP Non-entry into the national phase

Ref country code: DE

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 112(1) EPC (EPO FORM 1205N DATED 03/04/2018)

122 Ep: pct application non-entry in european phase

Ref document number: 15898571

Country of ref document: EP

Kind code of ref document: A1