WO2017012017A1

WO2017012017A1 - Fund management server, data processing method and system for certificate issuance invitation

Info

Publication number: WO2017012017A1
Application number: PCT/CN2015/084586
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: CA2993585C; CA2993585A1

Abstract

Disclosed is a data processing method for certificate issuance invitation, comprising: a provider party generates invitation data and transmits to a demand party; the demand party generates a certificate issuing request on the basis of the invitation data and transmits to a fund management server; the fund management server determines whether or not the certificate issuing request satisfies a certificate issuing criterion; and if yes, the fund management server freezes an amount of fund or a line of credit for certificate issuing in an account of the demand party and issues an electronic certificate. Also disclosed are the fund management server and a data processing system for certificate issuance invitation. In the present invention, an invitation request is launched by the provider party and can be released to non-specific buyers via the internet or by other means, and the demand party can combine invitation information of the provider party to apply for the issuance of an electronic certificate with a bank at where the demand party has a payment account. The present application provides a novel means of transaction and experience, is convenient and highly efficient, and provides a favorable instrument for the development of electronic commerce.

Description

Fund management server, data processing method and system for inviting certificate

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

BACKGROUND OF THE INVENTION

[0003] E-commerce uses the Internet platform to connect all parties involved in traditional business activities, such as buyers, sellers, logistics companies, financial institutions, etc., by networking, electronic, and informatizing the entire transaction process.

, reducing the cost of transactions and improving transaction efficiency.

[0004] However, in the current e-commerce application, 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, unable to meet some potential business needs in the market, and increased security risks.

SUMMARY OF THE INVENTION

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

According to a first aspect of the present application, the present application provides a data processing method for an offer, including: [0008] a provider generates an offer data, and sends the request data to a demanding party;

[0009] the demand side generates a certificate request according to the offer data, and sends the request to the fund management server; [0010] the fund management server determines whether the request for the certificate meets the certificate condition;

[0011] If satisfied, 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.

[0012] In the above method, the fund management server determines whether the request for the certificate meets the certificate condition, and specifically includes: [0013] the server verifies the identity of the demander and/or whether the account meets the requirements of the certificate.

[0014] In the above method, the fund management server determines whether the request for the certificate meets the certificate condition, and further includes: [0015] the fund management server calls the demander account information, and determines the amount of the funds in the account. Whether the credit line is greater than or equal to the amount of the payment requested in the request for the certificate.

[0016] The above method further includes: [0017] the money management server sends the generated electronic voucher information to the demand side;

[0018] The demander receives information generated by the fund management server to generate an electronic voucher.

[0019] According to a second aspect of the present application, the present application provides a data processing method for an offer, including:

[0020] the fund management server acquires a request for verification generated by the requester, generated by the provider, and generated by the demander according to the offer data;

[0021] the fund management server determines whether the request for the certificate meets the condition of the certificate;

[0022] If satisfied, the fund management server freezes the credit amount or the credit limit in the demand side account, and extracts the electronic certificate.

[0023] According to a third aspect of the present application, the present application provides a data processing system for an offer, including a provider terminal, a demander terminal, and a fund management server, the fund management server including a receiving module, a determining module, and a processing Module

[0024] the provider terminal is configured to generate the invitation data and send the data to the demanding party;

[0025] the demand side terminal is configured to generate a certificate request according to the offer data, and send the request to the fund management server;

[0026] the receiving module is configured to obtain the request for the certificate;

[0027] the determining module is configured to determine whether the request for the certificate meets the condition of the certificate;

[0028] The processing module is configured to: after the request for the certificate meets the certificate condition, freeze the credit amount or the credit line in the account specified by the demanding party, and extract the electronic certificate.

[0029] The above system, the processing module, is further configured to verify the identity of the demander and/or whether the account meets the requirements of the certificate.

[0030] In the above system, the processing module is further configured to invoke information of the account, and determine 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.

[0031] The above-mentioned system, the processing module is further configured to send the generated electronic voucher information to the demanding party terminal, and the demanding terminal is further configured to receive the information for generating the electronic voucher.

[0032] According to a fourth aspect of the present application, the present application provides a money management server including a memory and a processor for storing computer instructions for performing the following steps in accordance with the computer instructions:

[0033] acquiring, by the provider, the offer data generated by the provider, and the demand party generates the data according to the offer data a request for a certificate;

[0034] determining whether the request for the testimony satisfies the condition of the testimony;

[0035] If satisfied, the amount of the credit card or the credit line in the demand side account is frozen, and the electronic certificate is extracted.

[0036] Due to the adoption of the above technical solutions, the beneficial effects of the present application are as follows:

[0037] In a specific implementation manner of the present application, the provider generates the offer data, and the demand party generates the request for the certificate according to the offer data, and the fund management server freezes the funds in the demand party account after the request for the certificate meets the testimony condition. The amount of credit or credit line, the electronic voucher. The application initiates a solicitation request by the provider, which can be distributed to an unspecified buyer via the Internet or other means, and the demand side can apply for the electronic voucher to the bank where the payment account is located in combination with the offer information of the provider. The application provides a brand new transaction method and experience, which is convenient and efficient, and provides a favorable tool for the mature development of e-commerce.

BRIEF DESCRIPTION OF THE DRAWINGS

1 is a flow chart of an embodiment of the data processing method of the solicitation certificate in an embodiment;

[0040] FIG. 2 is a flowchart of another embodiment of a data processing method for an offer certificate according to the present application; [0041] FIG. 3 is a data processing method of the present invention, in another embodiment. Flow chart

[0042] FIG. 4 is a schematic structural diagram of a fund management server of an application in an embodiment;

[0043] FIG. 5 is a schematic structural diagram of a data processing system of the present invention in an embodiment.

DETAILED DESCRIPTION

[0045] The present application will be further described in detail below with reference to the accompanying drawings.

[0046] 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.

[0047] The usual business process of the electronic voucher mentioned in the present application is as follows: The bank of the securities bank freezes the required amount of funds according to the application of the witness to establish an electronic voucher, and the certificate is issued by the certificate receiving bank. After the payment conditions are fulfilled, the bank will pay the funds and pay the settlement to the recipient through the bank.

[0048] Embodiment 1:

[0049] As shown in FIG. 1 , an embodiment of the data processing method of the solicitation certificate of the present application includes the following steps: [0050] Step 102: The provider generates the invitation data and sends the request data to the demand side. Usually, the offer data includes the provider's payment account information and the price of the product, as well as the transaction conditions, etc., similar to an information notification, that is, in e-commerce, a commitment information issued by the provider: the provider can provide the goods, If the demand side wants to purchase, it needs to pay a certain amount of funds to the specific account. In one embodiment, the provider is the seller and the demand side is the buyer.

[0051] Step 104: The demand side generates a certificate request according to the offer data, and sends the request to the fund management server. Typically, the money management server is the money management server of the bank.

[0052] Step 106: The fund management server determines whether the request for the certificate meets the condition of the certificate.

[0053] In an embodiment, step 106 may specifically include the following steps: The server verifies the identity of the demanding party and/or whether the account meets the requirements of the certification.

[0054] In another embodiment, step 106 may further include the following steps:

[0055] The fund management server invokes the information of the account specified by the demanding party, and determines whether the amount of the credit card or the credit line in the account is greater than or equal to the amount of the payment requested in the request for the certificate. The account specified by the demand side may be an account that needs to be its own, or an account of another person who agrees to pay in lieu of the demander.

[0056] Step 108: If satisfied, 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.

[0057] In an embodiment, step 108 may further include the following steps:

[0058] The fund management server sends the generated electronic voucher information to the demanding party; the demander receives the information generated by the fund management server for generating the electronic voucher.

[0059] As shown in FIG. 2, a specific application example of the data processing method of the solicitation certificate of the present application includes the following steps:

[0060] Step 202: The provider generates the offer data.

[0061] The offer data includes at least the payment account of the provider, and may include the amount of the commodity, and may also include an instruction of the trusted receipt bank to receive the electronic voucher, that is, the receipt bank automatically receives the certificate. Specifically, the offer information may also be generated by a receipt bank entrusted by the seller, so that the demand party generates the electronic voucher through the bank, and the receiving bank can directly accept the electronic voucher without having to go through the confirmation of the provider. Save procedures and increase transaction efficiency.

[0062] Step 204: The demand side obtains the invitation data published by the seller, and generates a request for the certificate according to the data, and The request is sent to the bank.

[0063] In one embodiment, the provider may present and broadcast the offer data. That is, the provider will make an invitation to the Internet, such as publishing on major e-commerce platforms, on various Weibo or forums, or by e-mail and other social software. The demand side obtains the invitation data through the Internet or various communication methods. Of course, buyers can also get the data of the invitation through face-to-face.

[0064] The manner in which the provider generates the offer data may be: After the buyer and the seller negotiate, the offer data is generated by the provider.

[0065] Step 206: The bank receives the request for the claim from the demanding party (the witness).

[0066] Step 208: Determine whether the request for the request of the demand party meets the requirements of the certification. If it is allowed to perform step 210, on the contrary, the feedback result is sent to the demanding party to terminate the certificate or regenerate the request for confirmation.

[0067] Whether it is necessary to verify the account number or identity of the witness. The bank has verified the identity 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.

[0068] Step 210: The data bank calls the data in the demand side account to obtain funds or credit information, and determines whether the quota is sufficient. If sufficient, step 212 is performed, and vice versa, the feedback result is sent to the demand side, and the verification process is ended. It is not necessarily the case that the account information of the witness is called for comparison, and the account of another person can also be used to prove the card.

[0069] Step 212: When the funds or credits in the account are sufficient, the bank may freeze the funds or credit to generate an electronic voucher at the request of the witness, wherein if the demand party uses the debit card, the funds in the debit card are frozen, and the demand is If you use a credit card, you will freeze the credit card credit.

[0070] Step 214: Send information about generating an electronic voucher to the demanding party.

[0071] It is conceivable that, after the certification bank completes the process of verifying the electronic voucher, the information that the electronic voucher succeeds can be sent to the demanding party, and the demanding party receives the information that the electronic voucher has been established, thereby knowing the electronic voucher. status.

[0072] In an embodiment, other electronic vouchers may be set in the process of falsification, such as fixed 定期, regular, A fixed amount of electronic vouchers. The peer can also set the payment condition of the electronic voucher, such as setting the settlement fee 1J, setting the situation to be a one-time freeze and multiple settlements.

[0073] If the seller announces the service or goods that can be provided, the product information and the account number to be sold are announced, and the seller wants to purchase the electronic voucher to the bank where the seller's account is located, and the electronic voucher indicates the seller's payment account number. The buyer knows what kind of goods and services the seller can provide, and according to his own needs, he can purchase the electronic voucher in conjunction with the seller's collection account.

[0074] Embodiment 2:

[0075] As shown in FIG. 3, an embodiment of the data processing method of the solicitation certificate of the present application includes the following steps:

[0076] Step 302: The fund management server acquires a request for verification generated by the demanding party, generated by the provider, and generated by the demanding party according to the offer data. That is, the party provider is provided to generate the invitation data, and after the demand party generates the request for the certificate according to the offer data, the request for the certificate is sent to the fund management server, and the fund management server obtains the request for the certificate.

[0077] Step 304: The fund management server determines whether the request for the certificate meets the condition of the certificate.

[0078] In an embodiment, step 304 may specifically include the following steps: The server verifies the identity of the demanding party and/or whether the account meets the requirements of the certification.

[0079] In another embodiment, step 304 may further include the following steps:

[0080] The fund management server calls the information of the account specified by the demanding party, and determines whether the amount of the credit card or the credit line in the demander account is greater than or equal to the amount of the payment requested in the request for the certificate.

[0081] Step 306: If yes, 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.

Embodiment 3:

[0083] As shown in FIG. 4 and FIG. 5, the data processing system of the solicitation certificate of the present application includes a provider terminal 30, a demander terminal 20, and a fund management server 10, and the fund management server 10 is a bank server, and funds. The management server 10 includes a receiving module 11, a judging module 12, and a processing module 13.

[0084] The provider terminal 30 is configured to generate the offer data and send it to the demanding party; the demander terminal 20 is configured to obtain the offer data, generate a request for the certificate according to the offer data, and send the request to the receiving module 11; the receiving module 11 For obtaining a request for a certificate; the determining module 12 is configured to determine whether the request for the certificate meets the condition of the certificate; The management module 13 is configured to freeze the credit amount or the credit line in the account specified by the demanding party after the request for the certificate is satisfied, and extract the electronic certificate.

[0085] In an embodiment, the processing module 13 is further configured to verify whether the identity of the demanding party and/or the account meets the requirements of the certification. In another embodiment, the processing module 13 is further configured to invoke the demander account information to determine whether the credit amount or the credit line in the demander account is greater than or equal to the amount of the payment requested in the request.

[0086] The data processing system of the solicitation certificate of the present application, the processing module 13 is further configured to send the generated electronic voucher information to the demanding terminal 20; and the demanding terminal 20 is further configured to receive the information for generating the electronic voucher.

[0087] Embodiment 4:

[0088] The fund management server of the present application, an embodiment thereof, includes a memory and a processor, and the memory is used to store computer instructions. As shown in FIG. 3, the processor is configured to perform the following steps according to computer instructions:

[0089] Step 302: Obtain a request for a certificate generated by the demanding party, generated by the provider, and generated by the demanding party according to the offer data;

[0090] Step 304: determining whether the request for the certificate meets the condition of the certificate;

[0091] Step 306: If yes, freeze the credit amount or the credit line in the demand side account, and extract the electronic certificate.

The above is a further detailed description of the present application in connection with the specific embodiments, and the specific implementation of the present 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 invitation certificate, comprising:

The provider generates the invitation data and sends it to the demand side;

The demand side generates a request for verification according to the offer data, and sends the request to the fund management server;

Determining, by the fund management server, whether the request for confirmation of the certificate satisfies the condition of the card

If satisfied, the fund management server freezes the credit amount or the credit line in the account specified by the demanding party, and extracts the electronic certificate.

[Claim 2] The data processing method of the solicitation certificate according to claim 1, wherein the money management server determines whether the request for the certificate meets the condition of the certificate, specifically comprising: the server verifying the demand side Identity and/or whether the account meets the requirements for certification

[Claim 3] The data processing method of the solicitation certificate according to claim 2, wherein the fund management server determines whether the request for the certificate is satisfied, and further includes:

The fund management server invokes the account information to determine whether the credit amount or the credit limit in the account is greater than or equal to the payment amount requested in the request for the certificate.

[Claim 4] The data processing method of the offer certificate according to claim 1, further comprising: the money management server transmitting the generated electronic voucher information to the demand party; The information generated by the fund management server for generating an electronic voucher.

[Claim 5] A data processing method for an invitation certificate, comprising:

The fund management server acquires a request for a certificate sent by the demanding party, where the request for the certificate is generated by the provider and the demander generates the data according to the offer data;

If satisfied, the fund management server freezes the credit amount or the credit limit in the demander account, and extracts the electronic voucher.

[Claim 6] A data processing system for inviting a certificate, comprising: a provider terminal, a demand side terminal, and a fund management server, wherein the fund management server comprises a receiving module, a determining module, and a processing module; The provider terminal is configured to generate the offer data and send the data to the demand side;

The demand side terminal is configured to generate a certificate request according to the offer data, and send the request to the fund management server;

The receiving module is configured to obtain the request for the certificate;

The determining module is configured to determine whether the request for the certificate meets the condition of the certificate; the processing module is configured to: after the request for the certificate meets the condition of the certificate, freeze the certificate in the account specified by the demanding party The amount of funds or the credit line, and the electronic voucher is issued.

[Claim 7] The data processing method of the solicitation certificate according to claim 6, wherein the processing module is further configured to verify the identity of the demander and/or whether the account meets the requirements of the certificate. .

[Claim 8] The data processing method of the solicitation certificate according to claim 7, wherein the processing module is further configured to call the information of the account, and determine the amount of the funds in the account or Whether the credit line is greater than or equal to the amount of payment requested in the request for the certificate.

[Claim 9] The data processing system of the offer certificate according to claim 8, wherein:

The processing module is further configured to send the generated electronic voucher information to the demand side terminal of the demanding party, and further configured to receive the information for generating the electronic voucher.

[Claim 10] A money management server, comprising: a memory for storing computer instructions, and a processor for performing the following steps in accordance with the computer instructions:

Obtaining a request for verification generated by the demanding party, generated by the provider, and generated by the demanding party according to the invitation data;

Determining whether the request for the testimony meets the conditions for the testimony;

If it is satisfied, the amount of credit or credit line in the demander's account is frozen, and the electronic certificate is issued.