WO2017012022A1

WO2017012022A1 - Electronic certificate issuing method, and data interaction processing method, device and system

Info

Publication number: WO2017012022A1
Application number: PCT/CN2015/084591
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: CA2993062A1; CA2993062C

Abstract

An electronic certificate issuing method, and a data interaction processing method, device and system. A data request terminal calls from within backup issuing requests a first issuing request corresponding to an electronic certificate requested to be copied; according to modification information used for modifying the first issuing request, a second issuing request is generated on the basis of the first issuing request; an issuing server opens a new electronic certificate according to the second issuing request. Or, the data request terminal obtains identifier information used for a copied electronic certificate and modification information used for modifying the electronic certificate; according to an issuing request carrying the identifier information and the modification information, the issuing server calls out the electronic certificate corresponding to the identifier information, and modifies the electronic certificate according to the modification information, so as to open a new electronic certificate. Via the described means, an electronic certificate is opened by an issuer via copying means, avoiding the inputting of duplicate information by the issuer, and economising the issuing process. The present invention has a high issuing efficiency, and achieves the goal of rapidly opening an electronic certificate.

Description

Title: Inventive name: method for electronic certificate verification, data interaction processing method, device and system

[0001] The present application relates to the field of electronic commerce technologies, and in particular, to a method for authenticating an electronic certificate, a data interaction processing method, an apparatus, and a system.

BACKGROUND OF THE INVENTION

[0003] With the rise of e-commerce, online electronic payment has become more and more popular because of its convenience. At present, in the online electronic payment method, in order to reduce the risk, most of them exist in the form of a third-party payment company guarantee. Take the customer's online purchase as an example, in the form of a third-party payment company guarantee, for the paying customer, the third-party payment company has been paid after receiving the goods, and once the third-party payment company has problems, the payment is made. The client's funds are not guaranteed. Therefore, in the form of a third-party payment company guarantee, the party to the paying party still has a financial risk problem.

[0004] Although e-commerce uses a network platform to connect parties (buyers, sellers, logistics companies, financial institutions, etc.) in traditional business activities, by networking, electronically, and informatizing the entire transaction process, Reduce the cost of transactions and improve transaction efficiency. 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. After the user spends shopping, he often needs to fill in a lot of information on the e-commerce platform. The operation is cumbersome, the repetitive actions are many, the user spends a lot of energy, and the user experience is poor, which can not meet the business needs of modern society.

SUMMARY OF THE INVENTION

[0006] The present application provides a method for verifying an electronic voucher, a data interaction processing method, a device and a system, and solves the problem that the operation is cumbersome.

[0007]

[0008] The present application provides a method for verifying an electronic voucher, including:

[0009] the client of the witness side invokes the first certificate request corresponding to the electronic certificate requested by the witness party to be copied from the standby certificate request according to the copy electronic certificate request submitted by the witness party;

[0010] the witness client obtains modification information input by the witness for modifying the first request; [0011] the client client generates a second certificate request based on the first certificate request according to the modification information, and sends the second certificate request to the bank server;

[0012] The bank server establishes a new electronic voucher according to the second certificate request.

[0013] In the method for verifying the electronic voucher provided above, the witness may submit a request for copying the electronic voucher, and the client of the witnesses invokes the first corresponding to the electronic voucher requested to be copied by the proxies from the standby request a request for modification; a modification information input by the witness to modify the first request; the client according to the modification generates a second request based on the first request, and The second certificate request is sent to the bank of the bank; the bank server establishes a new electronic certificate according to the second certificate request. Through the above methods, the company has realized the electronic certificate by means of copying, avoiding the input of repeated information by the witness, saving the process of the certificate, and the efficiency of the certificate is high, and the purpose of quickly establishing the electronic certificate is achieved.

[0014]

[0015] The present application provides a data interaction processing method, including:

[0016] the data requesting terminal, according to the copying electronic voucher request submitted by the witnessing party, invoking the first authentication request corresponding to the electronic voucher requested by the witnessing party to be copied from the standby authentication request;

[0017] the data requesting terminal acquires modification information input by the witnessing party for modifying the first authentication request;

[0018] the data requesting terminal generates a second authentication request based on the first authentication request according to the modification information.

And sending a second certificate request to the certificate server;

[0019] The certificate server sets up a new electronic voucher according to the second certificate request.

[0020] The present application provides another data interaction processing method, including:

[0021] according to the copy electronic voucher request submitted by the witness, the first request for the certificate corresponding to the electronic certificate requested by the witness is copied from the standby certificate request;

[0022] obtaining, by the witness, the modification information used to modify the first request for confirmation;

[0023] according to the modification information, generating a second certificate request based on the first certificate request, and sending the second certificate request to the certificate server.

[0024] The present application provides another data interaction processing method, including:

[0025] the data requesting terminal acquires the identification information of the electronic voucher according to the request for copying the electronic voucher submitted by the verification party;

[0026] the data requesting terminal acquires modification information input by the witness for modifying the electronic voucher; [0027] the data requesting terminal generates a request for the certificate carrying the identification information and the modification information;

[0028] the data requesting terminal sends the certificate request to the certificate server;

[0029] The certificate server calls an electronic voucher corresponding to the identification information, and modifies the electronic voucher according to the modification information to establish a new electronic voucher.

[0030] The present application provides another data interaction processing method, including:

[0031] obtaining, according to the request for copying the electronic voucher submitted by the witness, the identification information of the electronic voucher;

[0032] acquiring modification information input by the witness for modifying the electronic voucher;

[0033] generating a certificate request carrying the identification information and the modification information;

[0034] sending the certificate request to the certificate server.

[0035] The present application provides another data interaction processing method, including:

Obtaining a request for a certificate sent by the data requesting terminal, where the request for the certificate carries the identification information of the electronic certificate requested by the witness and the modification information for modifying the electronic certificate;

[0037] calling up an electronic voucher corresponding to the identification information;

[0038] modifying the electronic voucher according to the modification information to establish a new electronic voucher.

[0039] The present application provides a data interaction processing system, including a data requesting terminal and a certificate server, wherein the data requesting terminal and the authentication server are in communication connection;

[0040] the data requesting terminal is configured to acquire the identification information of the electronic voucher according to the request for copying the electronic voucher submitted by the witnessing party; and further, to obtain the modification information input by the witnessing party for modifying the electronic voucher

The method is further configured to generate a certificate request carrying the identification information and the modification information, and send the request to the authentication server;

[0041] The certificate server is configured to call up an electronic voucher corresponding to the identification information, and modify the electronic voucher according to the modification information to establish a new electronic voucher.

[0042] The present application provides a data interaction processing apparatus, including:

[0043] an identifier information obtaining module, configured to acquire, according to the request for copying the electronic voucher submitted by the witness, the identification information of the electronic voucher;

[0044] a modification information obtaining module, configured to acquire modification information for modifying the electronic voucher input by the verification party [0045] a certificate request generation module, configured to generate a certificate carrying the identification information and the modification information request; [0046] The certificate request sending module is configured to send the certificate request to the certificate server.

[0047] The present application provides another data interaction processing apparatus, including:

[0048] an information obtaining module, configured to acquire a request for a certificate sent by the data requesting terminal, where the request for the certificate carries the identification information of the electronic certificate requested by the witness and the modification information for modifying the electronic certificate;

[0049] a voucher calling module, configured to call up an electronic voucher corresponding to the identification information;

[0050] The certificate module is configured to modify the electronic certificate according to the modification information to establish a new electronic certificate.

[0051] In the data interaction processing method, apparatus and system provided above, the verification party may submit a request for copying the electronic voucher, and the data requesting terminal calls the first corresponding to the electronic voucher requested by the prosecution party to request the copy from the standby certificate request a request for modification of the first authentication request input by the witnessing party; the data requesting terminal generates a second authentication request based on the first authentication request according to the modification information, and the second The request for the certificate is sent to the certificate server; the certificate server sets up a new electronic certificate according to the second certificate request. Alternatively, the verification party submits a request for copying the electronic voucher, and the data requesting terminal acquires the identification information of the electronic voucher and the modification information input by the verification party for modifying the electronic voucher; the data requesting terminal sends the identification information and the modification information to the file. The certificate server sends out an electronic voucher corresponding to the identification information, and modifies the electronic voucher according to the modification information to establish a new electronic voucher. By means of the above method, the witnesses can realize the electronic voucher by copying, avoiding the input of duplicate information by the witnesses, saving the process of the testimony, high efficiency of the testimony, and achieving the purpose of quickly establishing the electronic voucher.

BRIEF DESCRIPTION OF THE DRAWINGS

1 is a schematic structural diagram of a data interaction processing system according to an embodiment of the present application;

2 is a schematic flowchart of a data interaction processing method according to an embodiment of the present application;

[0055] FIG. 3 is a schematic flowchart of a method for verifying an electronic voucher in an embodiment of the present application;

4 is a schematic structural diagram of a data interaction processing apparatus according to an embodiment of the present application;

5 is a schematic structural diagram of a data interaction processing system according to another embodiment of the present application;

6 is a schematic flowchart of a data interaction processing method in another embodiment of the present application;

7 is a schematic flowchart of a method for verifying an electronic voucher in another embodiment of the present application;

[0060] FIG. 8 is a schematic structural diagram of a data interaction processing apparatus as a data requesting terminal (a client client) according to another embodiment of the present application; [0061] FIG. 9 is a schematic structural diagram of a data interaction processing apparatus as a server (a server) of another embodiment of the present application.

DETAILED DESCRIPTION

[0063] The electronic voucher mentioned in the embodiment of the present application is based on the core principle of the international letter of credit, and combines the advantages of many financial products such as a bank promissory note, a guarantee letter, a bank acceptance bill, an electronic letter of credit, and the like, and is combined with Internet technology. A new financial tool that fully adapts to and meets the needs of the Internet economy, with broad applicability across platforms, across banks, across the globe, and across the entire spectrum. Specifically, the electronic voucher mentioned in this application refers to the fact that the prosecution party (buyer) is guaranteed by its bank account funds or credit line (credit card credit or loan amount), and the bank promises to pay and pay according to the payment conditions. Settlement of electronic credit commitment payment vouchers. The electronic voucher mentioned in this program is mainly a product for buyers. The seller downloads the cashier access interface, the buyer completes the e-voucher certificate, the seller completes the certificate and fulfills the contract, applies for the payment, and the electronic voucher. If the settlement condition is reached, it will be automatically paid. E-vouchers can be purchased not only with merchandise, but also for mortgage guarantees, such as an individual who can use an electronic voucher to the bank as a guarantee for loan to others.

[0064] That is, the electronic voucher is a kind of request issued by the bank according to the prosecution, and the fund or credit of the procurator is used as a basis, and the credit of the bank is carried, and the change is stored in digital form. , to achieve the flow of electronic commitment credit commitment payment vouchers.

[0065] The bank freezes the funds in its account or uses the credits in its account according to the application of the witness to generate an electronic voucher with a payment function. Electronic vouchers have a payment function in e-commerce activities to purchase goods. The user purchases the goods using the electronic voucher, and the merchant obtains the electronic voucher, and after fulfilling the transaction transaction obligation, obtains the amount of the sold goods by releasing the frozen funds included in the electronic voucher or using the credit. In daily life, the recipient obtains the e-voucher to complete the payment conditions, and can obtain the frozen funds of the electronic voucher or the credit (such as transfer, red envelope).

[0066] The following is a description of the periods often involved in conducting electronic commerce activities using electronic vouchers.

[0067] The main periods involved in the use of electronic voucher for e-commerce activities include the prosecution period, the collection period, the performance period, the signing period, the disbursement period, and the liquidation period. The relevant explanations for each period are as follows:

[0068] 1. Defamation period

[0069] After the two parties form an order, the company will apply for a certificate from the bank. Of course, the prosecution party can form The specific transaction order shall apply for the certificate; or if the transaction order is not formed, the witness shall voluntarily apply for the certificate. In the course of the transaction, the electronic voucher can be either a buyer’s certificate (empty certificate) or a seller’s certificate (single certificate).

[0070] After accepting the bank, the bank will hold an electronic certificate. The amount recorded in the electronic voucher shall be treated as a corresponding reservation in the fund account of the bank, which is generally understood as freezing funds or granting credit. In actual use, the use of credit can be divided into two situations: One is to start calculating the interest from the beginning of the credit, that is, the credit card is used by the witness; the other is from the recipient. After the amount corresponding to the credit line, the bank begins to calculate the interest, that is, from the time when the card holder uses the credit card to the time when the bank receives the funds, it is considered that the bank has not invoked the credit line granted by the bank.

[0071] 2. Period of receipt

[0072] The certificate holder applies to the collection bank for the receipt, and the length of the collection period can be set to 1 day or customized.

[0073] 3. Performance period

[0074] The verification information of the bank is correct, after the transaction is confirmed, the certificate is received, and the electronic certificate enters the performance period. The length of the performance period can be set to 7 days or customized.

[0075] The certificate holder performs performance during the performance period and sends the performance information to the collection bank. If the merchant sends the goods, the contractor can be considered to have performed the contract, and the performance information may be the logistics order number of the delivery.

[0076] 4. Signing period

[0077] The receiving bank obtains the performance information, changes the status of the electronic voucher, enters the electronic receipt, waits for the delivery of the goods, and signs the goods. The length of the signing period can be set to 7 days or customized.

[0078] 5, the release period

[0079] During the signing period, the card issuing party signs the goods, that is, after the card holder completes the trading conditions corresponding to the electronic voucher according to the payment conditions of the electronic voucher, the card issuing bank is entrusted to the bank to apply for settlement, and the length of the payment period is long. Can be set to 1 day.

[0080] 6. Liquidation period

[0081] After the bank has judged that the settlement conditions have been reached, the bank will release the funds from the bank account, transfer the funds to the collection bank, and the collection bank will transfer the funds to the collection account designated by the recipient (also known as the collection account designated by the recipient). Receiving account

[0082] According to the above description, after the electronic certificate is established, the validity period can be divided into three segments, and the time limit is in the electronic The certificate is stated as the time limit for the recipient to receive the certificate, perform the contract, and apply for the settlement. If the corresponding action is not made within the time limit, the electronic certificate will be invalid.

[0083] The period of receipt is the time limit for the certificate applicant to apply for the certificate, and the electronic certificate is invalid if the certificate is not received within the time limit. After the receipt of the certificate, the electronic certificate will enter the performance period.

[0084] The performance period is the time limit for the recipient to submit performance information (such as shipping information), and if the deadline is not submitted, the electronic certificate will be invalid. After the recipient submits the performance information, the electronic voucher enters the signing period.

[0085] The receipt period is the time limit for the issuer to apply for settlement, and if the application for cancellation information (such as the receipt information) is not submitted within the time limit, the electronic certificate is invalid. After the recipient applies for payment, the electronic voucher enters the settlement period.

[0086] It should be understood that the above is only one way of applying the electronic voucher, and may also be an application electronic voucher purchase service. In the purchase service, such as the hotel transaction scenario, the hotel room reservation is successful, that is, the hotel has fulfilled the contract, the content of the performance information is the information that the reservation has been successful, and the customer is required to apply for payment.

[0087] Of course, the electronic voucher can also be applied to allocating funds. In different situations, the understanding of performance and receipt has also changed. That is to say, when a merchant provides a commodity or service, it may directly cause the status of the electronic voucher to flow through the performance period and the receipt period, and directly enter the settlement period, such as a face-to-face transaction.

[0088] The present application will be further described in detail below with reference to the accompanying drawings.

[0089]

[0090] Embodiment 1

[0091] This embodiment provides a method for authenticating an electronic voucher, a data interaction processing method, an apparatus, and a system.

Referring to FIG. 1, the data interaction processing system provided by this embodiment includes a data requesting terminal 101 and a certificate server 102, and the data requesting terminal 101 and the authentication server 102 are communicatively connected, for example, via an Internet communication connection.

[0093] The data requesting terminal 101 is configured to, according to the copy electronic voucher request submitted by the witness, invoke the first authentication request corresponding to the electronic voucher to be copied from the standby authentication request. It should be noted that the "copy electronic voucher request" at the place refers to the information and format of the request to copy the existing electronic voucher, and the "alternative testimony request" mentioned in the place may be submitted by the former witness. That is, the card issuing party submits a request for the certificate to the database server through the data request terminal, and the data requesting terminal saves the request for the certificate as a backup request for the future verification of the card. In other embodiments, the alternate request is also available Therefore, some commonly used templates provided by the system, or a combination of the two, or the certificate party receives a request for a certificate corresponding to the electronic certificate transferred by another person. Specifically, the "alternative certificate request" refers to an existing electronic certificate, which may be an electronic certificate that has been issued by the party, or may be sent by another party received by the party. Electronic voucher.

[0094] The data requesting terminal 101 is further configured to obtain, by the verification party, modification information for modifying the first authentication request, and further configured to generate a second authentication certificate based on the first authentication request according to the modification information. The request is sent to the certificate server 102. The standby authentication request may be data stored on the data request terminal.

[0095] The certificate server 102 is configured to set up a new electronic voucher according to the second certificate request.

[0096] The system is further described below in conjunction with a data interaction processing method.

[0097] Please refer to FIG. 2, which is a schematic flowchart of a data interaction processing method, where the method includes the following steps:

[0098] Step 2.1: The data requesting terminal acquires a request for copying the electronic voucher submitted by the witness. Specifically, the data requesting terminal may obtain, by using a human-computer interaction interface, a request for copying the electronic voucher submitted by the witness.

[0099] Step 2.2: The data requesting terminal invokes the first authentication request corresponding to the electronic voucher requesting the copying from the standby certificate request.

[0100] Step 2.3: The data requesting terminal acquires the modification information input by the witness to modify the first request. Usually, the information of the call for the standby certificate and the request for the certificate will be different. Therefore, the call for the standby request needs to be modified. In this case, the data requesting terminal obtains the modification information input by the witnessing party for modifying the first authentication request through the human-machine interaction interface.

[0101] Step 2.4: The data requesting terminal generates a second authentication request based on the first authentication request according to the modification information.

[0102] Step 2.5: The data requesting terminal sends the second authentication request to the authentication server.

[0103] Step 2.6: The certificate server sets up a new electronic voucher according to the second certificate request.

[0104] Generally, the witness server can also be used to verify the identity of the witness before establishing a new electronic certificate to ensure that the witness has the right to stand for electronic credentials.

[0105] Of course, after step 2.6, the certificate server may return a message indicating that the certificate is successful to the data requesting terminal to notify the witness.

[0106] Preferably, in step 2.1, the second request for the data requesting terminal to send to the certificate server carries the defect The identity information of the witness, and the account information of the forensic account used to lock the data to establish the electronic voucher. In step 2.6, the certificate server establishes a new electronic certificate, specifically: the certificate server authenticates the card according to the identity information, and after the verification is passed, further determines the card according to the account information of the account. The data in the account is greater than or equal to the amount of the electronic voucher requesting the stand-up, and a new electronic voucher is established.

[0107] Please refer to FIG. 3, based on the data interaction processing method provided in this embodiment, the embodiment further provides a method for verifying an electronic certificate, including the following steps:

[0108] Step 3.1: The client of the witness obtains a request for copying the electronic voucher submitted by the witness. Specifically, the client can obtain the request for copying the electronic voucher submitted by the witness through a human-computer interaction interface.

[0109] Step 3.2: The client client calls the first certificate request corresponding to the electronic certificate requested by the witness from the backup certificate request. The alternate authentication request may be data stored on the client of the witness, which may be preset. Preferably, the request for the standby certificate is submitted by the former party, that is, the card is submitted to the server of the bank through the client of the card, and the client of the card saves the request. As a request for an alternate certificate, it will be used for the future verification of the card. The standby certificate request may also be a request for a certificate corresponding to the electronic certificate that the other party has transferred.

[0110] Step 3.3: The client client obtains the modification information input by the witness to modify the first certificate request. Usually, the information of the call for the standby certificate and the request for the certificate will be different. Therefore, the call for the standby request needs to be modified. In this case, the client of the witness obtains the modification information input by the witness to modify the first request through the human-machine interface.

[0111] Step 3.4: The client client generates a second certificate request based on the first authentication request according to the modification information.

[0112] Step 3.5: The client client sends a second certificate request to the bank server.

[0113] Step 3.6: The server of the securities bank freezes the corresponding funds or grants credit according to the request of the second certificate to establish a new electronic certificate.

[0114] Of course, after step 3.6, the server can return a successful message to the client.

, to inform the party.

[0115] Generally, the bank's server can also be used to verify the identity of the witness before establishing a new electronic certificate to ensure that the party has the right to stand for electronic credentials. [0116] In a specific application example, the second authentication request carries the identity information of the witness and the account information used to freeze the funds or use the credit to establish the electronic certificate, and the account information server To verify the identity information of the witness, in order to determine whether the witness has the right to testify, you can use the following methods

[0117] (1) According to the identity information, for example, the ID card number of the (certificate of the card), verify whether the card has the account information at the current bank, and if so, that the card has the authority of the card, otherwise It is believed that the prosecution party does not have the authority to prosecute.

[0118] (2) According to the identity information, for example, the account used by the witness to log in to the client, check whether the account has completed the real-name authentication, and if so, that the party has the authority to prove the certificate, otherwise, the card holder does not have the defect. Permission authority. Under this type of verification, it is not necessary to require the witness to have a door-to-door information at the bank.

[0119] (3) According to the identity information, the identity information may be any information that uniquely identifies the identity of the witness, and determines whether the witness has a bad credit record, for example, whether the witness is a whitelist user or black. List of users. If it is determined that the prosecution party belongs to the whitelist user, it is considered that the prosecution party has the right of defamation; if it is judged that the defamation party belongs to the blacklist user, it is considered that the prosecution party does not have the prosecution authority.

[0120] (4) The identity information of the witness is the dynamic code returned to the mobile phone number by the server of the witness according to the request of the second certificate. Under this type of inspection, before the documentary party submits the card information, it needs to step through the data interaction step, that is: the client of the card first sends the mobile phone number entered by the witness to the bank of the bank, and the card is issued. The line server sends a dynamic code to the mobile number. When the 证行服务器 server determines that the dynamic code entered by the 幵方 party is consistent with the previously sent 吋 , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , In addition, the mobile phone number can also be a mobile phone number bound to the credit card account.

[0121] Of course, in other application examples, the server of the securities bank performs verification according to the identity information of the witness, to determine whether the party has the authority of the certificate, and may also adopt other methods. In this embodiment, only the column is listed. There are several better ways.

[0122] When the server of the securities bank determines that the witness has the authority of the certificate, it may further determine whether the funds or credits in the account are greater than or equal to the amount of the electronic certificate requested to stand. If the funds or credits in the certificate account are greater than or equal to the amount of the electronic certificate requesting the standing, continue with the following steps; Then, the server of the securities bank can directly return the message of the failure of the certificate to the client of the witness, or return the message requesting the party to modify the request of the second certificate.

[0123] Please refer to FIG. 4, the embodiment further provides a data interaction processing apparatus, including a calling module 401.

The information obtaining module 402, the certificate request generating module 403, and the certificate request sending module 404 are modified.

[0124] The calling module 401 is configured to, according to the request for copying the electronic voucher submitted by the witness, invoke the first authentication request corresponding to the electronic voucher requesting the copying from the backup certificate request.

[0125] The modification information obtaining module 402 is connected to the calling module 401, and is configured to obtain modification information input by the witness for modifying the first authentication request.

[0126] The certificate request generation module 403 is connected to the modification information acquisition module 402, and is configured to generate a second certificate request based on the first certificate request according to the modification information.

[0127] The authentication request sending module 404 is connected to the authentication request generating module 403 for transmitting the second authentication request to the authentication server.

[0128] The data interaction processing device can be used as a data requesting terminal (specifically, a client), and specifically, it can be a computer, a tablet, a mobile phone, or the like.

[0129] The following embodiments are further described in a specific application scenario.

[0130] The buyer is the buyer. When the buyer makes a purchase on the e-commerce platform through the client, and the payment is made using the bank certificate, the buyer needs to generate a certificate request through the client. The client's client holds a request for a certificate of payment (used as the first testimony) before the buyer uses the electronic voucher to make a purchase. In this payment, the buyer chooses to copy a request for a certificate, and the client proves to the buyer all the previously used requests for the certificate and asks the buyer to select the closest one. After purchasing the selection, the client can display the content of the request to the buyer in the form of a form, and the buyer will make corresponding modifications according to the specific information of the purchase to generate a second request.

[0131] In addition, when the buyer spends multiple times in the same store, it is only necessary to call out the electronic voucher that has been established in the past, and the amount of the modification can be completed. Or, when the buyer first sets up an electronic voucher in one store and then goes to another store to set up an electronic voucher, the certificate process can be completed by simply modifying the amount of the recipient or the certificate.

[0132] With this form, the buyer can quickly complete the information filling request, and saves the need to fill in all the contents each time the electronic voucher is used. Therefore, the savings process has been greatly saved and improved. Payment efficiency, optimized payment scheme, can provide users with a new payment experience, and enrich the payment form of modern e-commerce.

[0133]

Embodiment 2

[0135] This embodiment provides a method for authenticating an electronic voucher, a data interaction processing method, an apparatus, and a system.

Referring to FIG. 5, the data interaction processing system provided by this embodiment includes a data requesting terminal 501 and a certificate server 502. The data requesting terminal 501 and the authentication server 502 are communicatively connected, for example, via an Internet communication connection.

[0137] The data requesting terminal 501 is configured to obtain the identification information of the electronic voucher according to the request for copying the electronic voucher submitted by the verification party; and further, to obtain the modification information for modifying the electronic voucher input by the verification party; The identification information and the modification information are sent to the identification server.

[0138] The certificate server 502 is configured to call up an electronic voucher corresponding to the identification information, and modify the electronic voucher according to the modification information to establish a new electronic voucher.

[0139] The system will be further described below in conjunction with the data interaction processing method.

[0140] Please refer to FIG. 6, which is a schematic flowchart of a data interaction processing method, where the method includes the following steps:

[0141] Step 6.1: The data requesting terminal acquires a request for copying the electronic voucher submitted by the witness. Specifically, the data requesting terminal may obtain, by using a human-computer interaction interface, a request for copying the electronic voucher submitted by the witness.

[0142] Step 6.2: The data requesting terminal acquires the identification information of the electronic voucher. Generally, the electronic certificate for copying is stored in the certificate server, and the identification information of the electronic certificate is obtained at the data requesting terminal, so that the server can find the corresponding electronic certificate according to the identification information, thereby achieving the purpose of copying.

[0143] Step 6.3: The data requesting terminal acquires modification information input by the witness for modifying the electronic certificate. Generally, the electronic voucher used for copying and the e-voucher that the prosecution party needs to stand up this time may have different information, and therefore, the electronic voucher used for copying needs to be modified. Thereafter, the data requesting terminal obtains the modification information input by the witnessing party for modifying the request for the certificate through the human-machine interaction interface.

[0144] Step 6.4: The data requesting terminal generates a request for the certificate carrying the identification information and the modification information.

[0145] Step 6.5: The data requesting terminal sends the certificate request to the certificate server.

[0146] Step 6.6: The certificate server invokes an electronic voucher corresponding to the identification information.

[0147] Step 6.7: The certificate server modifies the information to modify the electronic certificate. [0148] Step 6.8: The certificate server locks the corresponding data to establish a new electronic certificate.

[0149] Of course, after step 6.8, the certificate server may return a message indicating that the certificate is successful to the data requesting terminal to notify the witness.

[0150] Please refer to FIG. 7. The data interaction processing method provided by this embodiment is further provided. The embodiment further provides a method for verifying an electronic certificate, which includes the following steps:

[0151] Step 7.1: The client of the witness obtains a request for copying the electronic voucher submitted by the witness. Specifically, the client can obtain the request for copying the electronic voucher submitted by the witness through a human-computer interaction interface.

[0152] Step 7.2: The client client obtains the identification information of the electronic certificate. Generally, the electronic voucher for copying is stored in the server of the securities bank, and the identification information of the electronic voucher is obtained by the client of the witness, so that the server can find the corresponding electronic voucher according to the identification information, thereby realizing the copying. purpose.

[0153] Step 7.3: The witness client obtains modification information input by the witness for modifying the electronic certificate. Generally, the electronic voucher used for copying and the e-voucher that the prosecution party needs to stand up this time may have different information, and therefore, the electronic voucher used for copying needs to be modified. In this case, the client of the witness obtains the modification information input by the witness to modify the request of the certificate through the human-computer interaction interface.

[0154] Step 7.4: The client client generates a certificate request carrying the identification information and the modification information.

[0155] Step 7.5: The client client sends the certificate request to the bank server.

[0156] Step 7.6: The verification server sends out an electronic voucher corresponding to the identification information.

[0157] Step 7.7: The certificate server modification information modifies the electronic certificate.

[0158] Step 7.8: The bank server establishes a new electronic voucher.

[0159] Of course, after step 7.8, the server can return a successful message to the client.

, to inform the party.

[0160] Generally, the bank's server can also be used to verify the identity of the witness before establishing a new electronic certificate to ensure that the party has the right to stand for electronic credentials. When the bank's server determines that the party has the right to swear, it can further determine whether the funds or credits in the account are greater than or equal to the amount of the electronic certificate requested. In this embodiment, the verification of the identity of the witness and the verification of the funds or credits of the account are the same as those of the first embodiment, and will not be repeated here.

[0161] Referring to FIG. 8, the present embodiment further provides a corresponding data processing apparatus an interaction, including the identification information obtaining module _801, the modification information acquisition module 802, Jian certificate request generating module 803 and a request sending module card Jian 804.

[0162] The identification information obtaining module 801 is configured to obtain identification information of the electronic certificate according to the request for copying the electronic voucher submitted by the witness.

The modification information acquisition module 802 is connected to the identification information acquisition module 801 for obtaining modification information for modifying the electronic voucher input by the verification party.

[0164] The certificate request generation module 803 is connected to the modification information acquisition module 802, and is configured to generate a certificate request carrying the identification information and the modification information.

[0165] The authentication request sending module 804 is connected to the authentication request generating module 803 for transmitting the authentication request to the authentication server.

[0166] The data interaction processing device can be used as a data requesting terminal (specifically, a client), and specifically, it can be a computer, a tablet, a mobile phone, or the like.

[0167] Please refer to FIG. 9. This embodiment further provides another data interaction processing device as a certificate server (including a server), an information acquisition module 901, a certificate calling module 902, and a certificate module 903.

[0168] The information obtaining module 901 is configured to obtain the request for the certificate sent by the data requesting terminal, and the request for the certificate carries the identification information of the electronic certificate requested by the witness and the modification information for modifying the electronic certificate.

[0169] The voucher calling module 902 is connected to the information obtaining module 901, and is used to call up an electronic credential corresponding to the identification information.

[0170] The authentication module 903 is connected to the credential calling module 902 for modifying the electronic credential according to the modification information to establish a new electronic credential.

[0171] The present embodiment will be further described in the following specific application scenarios.

[0172] The seller is the seller, and the seller receives the electronic certificate of the other party, based on the refund request. The seller may, on the basis of the received electronic voucher, conduct a reverse custody test, and the information of the witness and the consignee will be exchanged to establish a new electronic voucher to realize the refund operation. Specifically, the electronic certificate received by the seller is used for copying, and the client of the witness sends the identification information of the electronic certificate and the modification information submitted by the seller (that is, the information of the witness and the recipient is exchanged) to the server of the securities bank. The server of the securities bank finds the corresponding electronic voucher according to the identification information, and then, according to the modification information, deletes the new electronic voucher, thereby realizing the refund operation of the seller. [0173] In this form, the seller can quickly implement the refund operation without performing a complete verification process, simplifying the operation, improving the efficiency and user experience, and enriching the payment form of modern e-commerce.

[0174] It can be understood by those skilled in the art that all or part of the steps of the various methods in the above embodiments may be completed by a program to instruct related hardware, and the program may be stored in a computer readable storage medium, and the storage medium may include: Read memory, random access memory, disk or CD, etc.

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, a number of simple deductions or substitutions may be made without departing from the inventive concept. technical problem

Problem solution

Advantageous effects of the invention

Claims

Claim

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

The client of the witness party invokes the first certificate request corresponding to the electronic certificate requested by the witness party to be copied from the standby certificate request according to the request for copying the electronic voucher submitted by the witness; the client of the witness obtains the input of the witness Modification information for modifying the first request for confirmation;

The witness client generates a second certificate request based on the first certificate request according to the modification information, and sends the second certificate request to the bank server;

The bank server establishes a new electronic voucher according to the second certificate request.

[Claim 2] A data interaction processing method, comprising:

The data requesting terminal, according to the copying electronic voucher request submitted by the witness, calls the first authentication request corresponding to the electronic voucher requested by the procurator to be copied from the standby authentication request; the data requesting terminal acquires the input for the modification by the verification party The modification information data requesting terminal requested by the first authentication request generates a second authentication request based on the first authentication request according to the modification information, and sends the second authentication request to the authentication server; According to the second certificate request, a new electronic voucher is established.

[Claim 3] A data interaction processing method, comprising:

According to the copy electronic voucher request submitted by the witness, the first request for the certificate corresponding to the electronic certificate requested by the witness is copied from the standby certificate request;

Obtaining modification information input by the witness for modifying the first request for confirmation;

And generating, according to the modification information, a second certificate request based on the first certificate request, and sending the second certificate request to the certificate server.

[Claim 4] A data interaction processing method, comprising:

The data requesting terminal acquires the identification information of the electronic voucher according to the request for copying the electronic voucher submitted by the witnessing party;

The data requesting terminal acquires modification information for modifying the electronic voucher input by the witnessing party; the data requesting terminal generates a request for the certificate carrying the identification information and the modified information; The data requesting terminal sends the certificate request to the certificate server;

The verification server calls up the electronic voucher corresponding to the identification information, and modifies the electronic voucher according to the modification information to establish a new electronic voucher.

[Claim 5] A data interaction processing method, comprising:

Acquiring the identification information of the electronic voucher according to the request for copying the electronic voucher submitted by the witnessing party, and obtaining the modification information input by the witnessing party for modifying the electronic voucher;

Generating a request for carrying the identification information and the modification information; and sending the request for the certificate to the identification server.

[Claim 6] A data interaction processing method, comprising:

Obtaining a request for a certificate sent by the data requesting terminal, the certificate request carrying the identification information of the electronic certificate requested by the verification party and the modification information for modifying the electronic certificate, and calling the electronic certificate corresponding to the identification information ;

Modifying the electronic voucher according to the modification information to establish a new electronic voucher.

[Claim 7] The method according to claim 2 or 4, wherein the data requesting terminal sends the authentication request to the authentication server to carry the identity information of the witness, and is used to lock the data to stand up to the electronic Account information of the certificate account of the voucher;

The certificate server establishes a new electronic voucher, specifically: the certificate server authenticates the witness according to the identity information, and after verifying, further determines the location according to the account information of the account The data in the account is greater than or equal to the amount of the electronic voucher requesting to stand, and a new electronic voucher is established.

[Claim 8] A data interaction processing system, comprising: a data requesting terminal and a certificate server, wherein the data requesting terminal and the authentication server are in communication connection; and the data requesting terminal is configured to submit according to the Deleting an electronic voucher request, obtaining identification information of the electronic voucher; and further configured to obtain modification information input by the verification party for modifying the electronic voucher; and further configured to generate a certificate carrying the identification information and the modification information Request and send it to the 幵 server; The certificate server is configured to call up an electronic voucher corresponding to the identification information, and modify the electronic voucher according to the modification information to establish a new electronic voucher.

[Claim 9] A data interaction processing apparatus, comprising:

The identifier information obtaining module is configured to obtain the identifier information of the electronic credential according to the copy electronic voucher request submitted by the witnessing party;

And a modification information obtaining module, configured to obtain modification information input by the verification party for modifying the electronic voucher;

a certificate request generating module, configured to generate a certificate request carrying the identification information and the modification information;

The certificate request sending module is configured to send the certificate request to the certificate server.

[Claim 10] A data interaction processing apparatus, comprising:

An information obtaining module, configured to obtain a request for a certificate sent by the data requesting terminal, where the request for the certificate carries the identification information of the electronic certificate requested by the witness and the modification information for modifying the electronic certificate;

a voucher calling module, configured to call up an electronic voucher corresponding to the identification information; and a voucher module, configured to modify the electronic voucher according to the modification information to set up a new electronic voucher.