WO2017045160A1

WO2017045160A1 - Method and device for data exchange processing and online funding method

Info

Publication number: WO2017045160A1
Application number: PCT/CN2015/089766
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-09-16
Filing date: 2015-09-16
Publication date: 2017-03-23
Also published as: CA3093994A1; CN106464662A; CA2997631A1; CA3093987A1

Abstract

Method and device for data exchange processing and an online funding method. the method for data exchange processing comprises: when responding to an exchange request transmitted by a second terminal, first terminals transmit first data certificates to the second terminal (S403); when the sum of data values represented by all of the first data certificates received by the second terminal in the preset time is no less than the size of the data value of the target data, the second terminal transmits notification information to the first server (S404); and the first server, in response to the notification information, adds data identical in the size of the data values of data represented by the first data certificates to the second terminal (S405). The described solution increases the security of data exchange.

Description

Data interaction processing method, device and online fundraising method

【技术领域】[Technical Field]

The present invention relates to the field of Internet data interaction technologies, and in particular, to a data interaction processing method, apparatus, and online fundraising method.

【背景技术】【Background technique】

With the development of Internet technologies, especially mobile Internet technologies, users can use the 2G, 3G, 4G or wifi to connect to the Internet for transactions, social activities, etc. Through Internet technology users can conveniently and effectively carry out online activities. It is an incomparable experience offline.

However, when users use the mobile Internet to conduct transactions, social activities, etc., their personal sensitive information is easy to be exposed and may be obtained by others during the interaction process, thereby using its information for illegal purposes, which will bring great benefits to network users. Big risk.

【发明内容】 [Summary of the Invention]

The object of the present invention is to provide a data interaction processing method and device, which transmits data in the form of data voucher in the process of data interaction, and completes data interaction when the terminal meets predetermined conditions, so as to improve the security of network data interaction. .

In order to solve the above problem, the first technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes: when the first terminal responds to the interaction request sent by the second terminal, sends the second terminal to the second terminal. a first data voucher; wherein the interaction request includes at least a data value of the target data and a preset time; the first data voucher is a first server that locks the first terminal in the first terminal according to the request of the first terminal Generating a data; when the sum of the data value values represented by all the first data voucher received by the second terminal within the preset time is not less than the data value size of the target data, The first server sends the notification information; the first server, in response to the notification information, adds data having the same data value as the data represented by the first data voucher to the second terminal.

In order to solve the above problem, the second technical solution adopted by the present invention is: providing a data interaction processing method, the method comprising: receiving, by the first terminal, an interaction request sent by the second terminal; wherein the interaction request includes at least a target a data value of the data and a preset time; the first terminal sends a first data credential to the second terminal when confirming the response to the interaction request; wherein the interaction request includes at least a data value of the target data and a pre- Setting the time; the first data credential is generated by the first server locking the first data in the first terminal according to the request of the first terminal.

In order to solve the above problem, the third technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes: the second terminal sends an interaction request for acquiring target data to the first terminal; wherein the interaction request At least the data value of the target data and the preset time; the second terminal receives the first data credential sent by the first terminal when confirming the response to the interaction request; wherein the first data credential is the first server lock And generating, by the first data in the first terminal, the sum of the data values represented by all the first data vouchers received by the second terminal in the preset time is not less than the data of the target data. When the value is small, the first server is notified to increase data with the same data value as the data represented by the first data voucher to the second terminal.

In order to solve the above problem, the fourth technical solution adopted by the present invention is to provide a data interaction processing device, the device includes a receiving module and a response module, and the receiving module is configured to receive an interaction request sent by the second terminal; The interaction request includes at least a data value of the target data and a preset time; the response module is configured to send the first data credential to the second terminal when confirming the response to the interaction request; wherein the interaction request And including at least the data value of the target data and the preset time; the first data credential is generated by the first server locking the first data in the first terminal according to the request of the first terminal.

In order to solve the above problem, the fifth technical solution adopted by the present invention is to provide a data interaction processing device, where the device includes a sending module, an obtaining module, an confirming module, and a notification module; the sending module is configured to the first terminal. Sending an interaction request for acquiring the target data; wherein the interaction request includes at least a data value of the target data and a preset time; the acquiring module is configured to receive, when the first terminal confirms the response to the interaction request sent by the sending module a first data voucher sent, wherein the first data voucher is generated by the first server locking the first data in the first terminal according to the request of the first terminal; the confirming module is configured to determine Whether the sum of the data value sizes represented by all the first data voucher received by the acquiring module is not less than the data value size of the target data in the preset time; the notification module is used when the confirmation module is used The result of the confirmation is that the sum of the data values represented by all the first data voucher is not less than the data value of the target data. Hours, the server notifies the first value of the same data size of the data represented by the first data to the second terminal credential increased.

In the above solution, when the first terminal responds to the interaction request sent by the second terminal, the first terminal sends the first data credential to the second terminal; and the sum of the data values represented by all the first data credentials received by the second terminal within the preset time When not less than the data value size of the target data, the notification information is sent to the first server to notify the first server to increase the data of the same size as the data value represented by the first data voucher to the second terminal. In the above manner, the data is transmitted in the form of a data credential during the data exchange process. When the first terminal meets the predetermined condition to complete the data interaction, the second terminal can successfully obtain the data provided by the first terminal, which can improve the security of the data interaction.

In order to solve the above problem, the sixth technical solution adopted by the present invention is to provide an online fundraising method, the method comprising: when the first terminal responds to the fundraising request sent by the second terminal, sending the second terminal to the second terminal a first electronic voucher; wherein the financing request includes at least target item information, a target fund amount, and a preset time; the first electronic voucher is a first server that freezes the first user's fund account according to the request of the first terminal And generating, by the first funds, an electronic credit commitment payment voucher for settlement of the first fund according to an agreed condition; the first server is an account management server of the first user; and the second terminal is in the pre- And sending, to the first server, notification information when the sum of the funds of all the first electronic voucher received in the set time is not less than the target fund amount; the first server responding to the notification information The funds represented by the first electronic voucher are transferred to the fund account of the second user.

In order to solve the above problem, the seventh technical solution adopted by the present invention is: providing an online fundraising method, the method comprising: receiving, by a first terminal, a fundraising request sent by a second terminal; wherein, the financing The request includes at least the target item information, the target fund amount, and the preset time; the first terminal sends the first electronic credential to the second terminal when confirming the response to the financing request; wherein the first electronic credential is The first server generates an electronic credit commitment payment voucher that is generated according to the request of the first terminal to freeze the first fund in the first user's fund account, and commits to settle according to the agreed condition; the first server is the first user Account management server.

In order to solve the above problem, the eighth technical solution adopted by the present invention is to provide an online fundraising method, the method comprising: the second terminal sending a financing request to the first terminal; wherein the financing request Include at least the target item information, the target fund amount, and the preset time; the second terminal receives the first electronic credential sent by the first terminal when confirming the response to the financing request; wherein the first electronic credential is the first server And an electronic credit commitment payment voucher generated by freezing the first fund in the first user's fund account according to the request of the first terminal, and committing to settle according to the agreed condition; the first server is the first user An account fund management server; when the sum of funds of all the first electronic voucher received by the second terminal within the preset time is not less than the target fund amount, sending notification information to the first server The notification information is used to notify the first server to transfer the funds represented by the first electronic voucher to the first Users capital account.

In the above solution, when the first terminal confirms the response to the fundraising request sent by the second terminal, the first terminal sends the first electronic voucher to the second terminal, and the second terminal receives the funds of all the first electronic voucher within the preset time. And not less than the target fund amount, sending the notification information to the first server, and the first server, in response to the notification information, transfers the funds represented by the first electronic voucher to the fund account of the second terminal. In the above manner, the funds represented by the electronic voucher are transmitted in the financing process, and when the second terminal meets the predetermined conditions to complete the fundraising, the second user can obtain the funds represented by the electronic voucher, thereby improving the security of the network financing. And the funds represented by the first electronic voucher during the fund-raising period can also generate interest rates and increase the profit of the second user.

【附图说明】 [Description of the Drawings]

1 is a schematic flow chart of an embodiment of an online fundraising method of the present invention;

2 is a schematic flow chart of another embodiment of an online fundraising method of the present invention;

3 is a schematic flow chart of still another embodiment of an online fundraising method of the present invention;

4 is a schematic flow chart of an embodiment of a data interaction processing method according to the present invention;

FIG. 5 is a schematic flowchart diagram of another embodiment of a data interaction processing method according to the present invention; FIG.

6 is a schematic flowchart of still another embodiment of a data interaction processing method according to the present invention;

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

FIG. 8 is a schematic structural diagram of another embodiment of a data interaction processing apparatus according to the present invention; FIG.

9 is a schematic structural diagram of still another embodiment of a data interaction processing apparatus according to the present invention;

FIG. 10 is a schematic structural diagram of still another embodiment of a data interaction processing apparatus according to the present invention.

【具体实施方式】【detailed description】

In the following description, for purposes of illustration and description, reference However, it will be apparent to those skilled in the art that the present invention may be practiced in other embodiments without these specific details. In other instances, detailed descriptions of well-known devices, circuits, and methods are omitted so as not to obscure the description of the invention.

Referring to FIG. 1, FIG. 1 is a schematic flow chart of an embodiment of an online fundraising method of the present invention. The online financing method of this embodiment includes the following steps:

S101: The second terminal sends a financing request of the target item to the first terminal.

When the second terminal needs to initiate fundraising for the target item, a funding request is sent to the plurality of first terminals.

The financing request includes at least the target project information, the target fund amount, and the preset time. The information of the target project is the information of the project that needs to raise funds. The target fund quota is the funds needed to start or complete the target project, and the preset time is the fundraising period.

Further, the target project information may further include a return method, that is, a manner of returning the object that agrees to the fundraising after the target project is started or completed, and the return method may be a cash method or a non-cash method, for example, equity, Dividends, membership privileges, etc., there are no restrictions here.

It can be understood that the financing request may be that the second terminal sends the first terminal directly to the qualified first terminal, or the second terminal sends the financing request to the e-commerce platform, and the e-commerce platform selects the first terminal that meets the condition, and The fundraising request is sent to the first terminal that meets the conditions, and no limitation is made here. The e-commerce platform is a server that integrates e-commerce functions. The e-commerce platform can be integrated with the first server or two independent servers.

It can be understood that, in this embodiment, the fundraising request may be sent in the form of information, a webpage link, or may be sent in the form of an electronic credential, which is not limited herein.

Further, when the second terminal sends the financing request in the form of an electronic credential, step S101 is specifically:

The second terminal generates a plurality of second electronic vouchers according to the fundraising request information of the target item, and sends the plurality of second electronic vouchers to the second server; the second server sends the received plurality of second electronic vouchers to the plurality of first terminal.

The second electronic voucher includes at least a fund amount represented by the second electronic voucher, target item information, a target fund amount, and a preset time. The sum of the fundraising quotas represented by the plurality of second electronic voucher is greater than or equal to the target fund amount.

The second electronic voucher may be a physical evidence, and the physical evidence is an integrated project identification code and an e-commerce function, and an electronic voucher capable of recording the project information.

S102: The first terminal receives the fundraising request, and confirms whether to respond to the fundraising request.

The first terminal receives the fundraising request sent by the second terminal, and confirms whether to respond to the fundraising request according to the information included in the fundraising request.

Further, when the second terminal sends the financing request in the form of an electronic credential, step S102 is specifically: the first terminal receives the plurality of second electronic credentials sent by the second terminal, and confirms whether to accept at least one according to the second electronic credential information. The second electronic voucher.

When the first terminal confirms the response to the fundraising request, step S102 is performed; when the first terminal confirms that the fundraising request is not responded, the process ends.

S103: The first terminal sends the first electronic credential to the second terminal when confirming the response to the financing request.

When the first terminal confirms the response to the fundraising request sent by the second terminal, the first electronic credential is sent to the second terminal.

The first electronic voucher is generated by the first server freezing the first fund in the fund account of the first user according to the request of the first terminal, and committing to settle the electronic credit commitment payment voucher of the first fund according to the agreed condition. The first user is the user of the first terminal, the amount of funds represented by the first electronic voucher is the first fund amount, and the first server is the account management server of the first user.

Further, when the second terminal sends the financing request in the form of an electronic credential, step S103 is specifically: the first terminal sends the first electronic credential to the second terminal when confirming that the at least one second electronic credential is accepted; wherein, the first terminal The sum of the investment amount represented by the electronic voucher and the fundraising amount represented by the at least one second electronic voucher accepted by the second terminal are equal.

S104: When the sum of the funds quotas of all the first electronic vouchers received by the second terminal in the preset time is not less than the target fund quota, the notification information is sent to the first server.

For example, when the second terminal confirms that the sum of the funds of all the first electronic vouchers received within the preset time is greater than or equal to the target fund amount, the fundraising for the target item is successful, and the second terminal receives the first The first server corresponding to the electronic voucher sends the notification information.

Further, when the second terminal confirms that the sum of the funds of all the first electronic vouchers received within the preset time is less than the target fund amount, the financing for the target item fails. The second terminal sends an instruction for failing to raise funds to the first server corresponding to the received first electronic voucher, and sends the received first electronic voucher to the corresponding first server.

When the first server receives the instruction for financing failure sent by the second terminal and the first electronic certificate, in response to the instruction of the financing failure, all the received first electronic voucher are thawed to return the funds represented by the first electronic voucher To the fund account of the first terminal.

S105: The first server sends the funds represented by the first electronic voucher to the fund account of the second user in response to the notification information.

When receiving the notification information sent by the second terminal, the first server thaws the funds represented by the first electronic voucher in response to the notification information, and transfers the thawed funds from the first user's fund account to the second user's fund account. . The second user is the user of the second terminal.

The first server may directly transfer the thawed funds to the fund account of the second user, or may transfer the thawed funds to the fund account of the second terminal by other means, and there is no limitation here.

Further, the step of the first server responding to the notification information and transferring the funds represented by the first electronic voucher to the fund account of the second user is specifically:

Responding to the notification information, the first server transfers the funds represented by the first electronic voucher to the fund account of the third server; after the first server transfers the funds represented by the first electronic voucher to the fund account of the third server, The third server is notified to transfer funds not less than the target fund amount to the fund account of the second user, so that the second terminal can start the target project by using the raised funds.

In the above solution, when the first terminal confirms the response to the fundraising request sent by the second terminal, the first terminal sends the first electronic voucher to the second terminal, and the amount of funds of all the first electronic voucher received by the second terminal within the preset time is And not less than the target fund amount, sending the notification information to the first server, and the first server, in response to the notification information, transfers the funds represented by the first electronic voucher to the fund account of the second user. In the above manner, the funds represented by the electronic voucher are transmitted in the financing process, and when the second terminal meets the predetermined conditions to complete the fundraising, the second user can obtain the funds represented by the electronic voucher, thereby improving the security of the network financing. And the funds represented by the first electronic voucher during the fund-raising period can also generate interest rates and increase the income of the first user.

Please refer to FIG. 2. FIG. 2 is a schematic flow chart of another embodiment of the online fundraising method of the present invention. The execution body of this embodiment is a second terminal. The online financing method of this embodiment includes the following steps:

S201: The second terminal sends a financing request of the target item to the first terminal.

When the second terminal needs to initiate fundraising for the target item, the second terminal sends a fundraising request to the plurality of first terminals.

Further, when the second terminal sends the financing request in the form of an electronic credential, step S201 is specifically:

The second electronic voucher includes at least a fund amount represented by the second electronic voucher, target item information, a target fund amount, and a preset time. The sum of the fundraising quotas represented by the plurality of second electronic voucher is greater than or equal to the target fund amount. The second electronic voucher may be a physical evidence, and the physical evidence is an integrated project identification code and an e-commerce function, and an electronic voucher for recording the project information.

S202: The second terminal receives the first electronic credential sent by the first terminal when confirming the response to the financing request.

The first electronic credential is sent by the first terminal to the second terminal when confirming the response to the second terminal, and the financing request includes at least the target item information, the target fund amount, and the preset time. The information of the target project is the information of the project that needs to raise funds. The target fund quota is the funds needed to start or complete the target project, and the preset time is the fundraising period.

When the second terminal sends the fundraising request in the form of an electronic credential, step S202 is specifically: the second terminal receives the first electronic credential sent when the first terminal confirms accepting the at least one second electronic credential.

The second electronic voucher is generated by the second terminal according to the target item information, and the number of the second electronic voucher is plural.

The sum of the frozen funds represented by the first electronic voucher and the fundraising amount represented by the second electronic voucher accepted by the first terminal are equal.

S203: When the sum of the funds quotas of all the first electronic vouchers received by the second terminal in the preset time is not less than the target fund quota, the notification information is sent to the first server.

For example, when the second terminal confirms that the sum of the funds of all the first electronic vouchers received within the preset time is greater than or equal to the target fund amount, the fundraising for the target item is successful, and the second terminal receives the first The first server corresponding to the electronic voucher sends the notification information to notify the first server to unfreeze the funds represented by the first electronic voucher and transfer the thawed funds to the fund account of the second user, so that the second user can utilize the raised funds. Start the target project. The second user is the second terminal user.

The first server may directly transfer the thawed funds to the fund account of the second terminal, and may also allocate the thawed funds to the fund account of the second terminal by other means, and there is no limitation here.

Further, when the sum of the funds amount of all the first electronic vouchers received by the second terminal in the preset time is less than the target fund amount, the first server sends an instruction for failing to raise funds.

For example, when the second terminal confirms that the fund amount of all the first electronic voucher received within the preset time is less than the target fund amount, the financing for the target item fails. The second terminal sends an instruction for financing failure to the first server corresponding to the received first electronic voucher, and sends the received first electronic voucher to the corresponding first server, so that the first server receives the financing When the failed instruction and the first electronic voucher are in response to the financing failure instruction, all the received first electronic voucher are thawed to return the funds represented by the first electronic voucher to the second user's fund account.

In the above solution, the second terminal sends the financing information to the plurality of first terminals, and receives the first electronic voucher sent by the first terminal when confirming the response to the financing request; and all the first electronic devices received by the second terminal within the preset time. Sending the notification information to the first server when the sum of the funds of the voucher is greater than or equal to the target fund amount; wherein the notification information is used to notify the first server to transfer the funds represented by the first electronic voucher to the first Second terminal fund account. In the above manner, the funds represented by the electronic voucher are transmitted in the financing process, and when the second terminal meets the predetermined conditions to complete the fundraising, the second user can obtain the funds represented by the electronic voucher, thereby improving the security of the network financing. And the funds represented by the first electronic voucher during the fund-raising period can also generate interest rates and increase the income of the first user.

Please refer to FIG. 3. FIG. 3 is a schematic flowchart diagram of still another embodiment of the online fundraising method of the present invention. The execution body of this embodiment is the first terminal. The online financing method of this embodiment includes the following steps:

S301: The first terminal receives the fundraising request sent by the second terminal.

The first terminal receives a funding request initiated by the second terminal for the target item. The financing request includes at least the target project information, the target fund amount, and the preset time. The information of the target project is the information of the project that needs to raise funds. The target fund quota is the funds needed to start or complete the target project, and the preset time is the fundraising period.

Further, when the second terminal sends the financing request in the form of an electronic credential, step S301 is specifically:

The first terminal receives the plurality of second electronic credentials sent by the second terminal through the second server.

The plurality of second electronic voucher is generated by the second terminal according to the financing request information of the target item. The second electronic voucher includes at least a fund amount represented by the second electronic voucher, target project information, a target fund amount, and a preset time. The sum of the fundraising quotas represented by the plurality of second electronic voucher is greater than or equal to the target fund amount. The second electronic voucher may be a physical evidence, and the physical evidence is an integrated project identification code and an e-commerce function, and an electronic voucher for recording the project information.

S302: The first terminal sends the first electronic credential to the second terminal when confirming the response to the financing request.

When receiving the fundraising request sent by the second terminal, the first terminal confirms whether to respond to the fundraising request, and sends a first electronic credential to the second terminal when confirming the response to the fundraising request sent by the second terminal.

Further, the step 302 is specifically: when the first terminal confirms the response to the fundraising request sent by the second terminal, the first terminal sends a request for generating the first electronic voucher to the first server; wherein the request includes at least The frozen first funds information; the first terminal sends the first electronic voucher to the second terminal when receiving the first electronic voucher sent by the first server.

Further, when the second terminal sends the financing request in the form of an electronic credential, step S302 is specifically: the first terminal sends the first electronic credential to the second terminal when confirming that the at least one second electronic credential is accepted; wherein, the first terminal The sum of the investment amount represented by the electronic voucher and the fundraising amount represented by the at least one second electronic voucher accepted by the second terminal are equal.

In the above solution, the second terminal sends the first electronic credential to the first terminal when confirming the response to the fundraising request sent by the first terminal. In the above manner, the funds represented by the electronic voucher are transmitted in the financing process, and when the second terminal meets the predetermined conditions to complete the fundraising, the second user can obtain the funds represented by the electronic voucher, thereby improving the security of the network financing. And the funds represented by the first electronic voucher during the fund-raising period can also generate interest rates and increase the profit of the second user.

Please refer to FIG. 4. FIG. 4 is a schematic flowchart diagram of an embodiment of a data interaction processing method according to the present invention. The data interaction processing method of this embodiment includes the following steps:

S401: The second terminal sends an interaction request for acquiring target data to the multiple first terminals.

When the second terminal needs to acquire the target data, the second terminal sends an interaction request for acquiring the target data to the plurality of first terminals. The interaction request includes at least a data value of the target data and a preset time.

It can be understood that the interaction request can be sent in the form of information, but is not limited thereto, and can also be sent in the form of data credentials, which is not limited herein.

When the interaction request is sent in the form of a data credential, step S401 is specifically:

The second terminal generates a plurality of second data credentials according to the interaction request of the target data, and sends the plurality of second data credentials to the second server, where the second server sends the received multiple second data credentials to the plurality of first terminals. .

The second data voucher includes at least data represented by the second data voucher, data values of the target data, and a preset time, and the sum of the data values of the data represented by the plurality of second data voucher is greater than or equal to the sum of the data values of the target data. The second data voucher represents that the data is the first data of the target data.

S402: The first terminal receives the interaction request, and confirms whether to respond to the interaction request.

When receiving the interaction request sent by the second terminal, the first terminal confirms whether to respond to the interaction request. Further, when the interaction request is sent in the form of a data credential, step S402 is specifically: the first terminal receives the plurality of second data credentials sent by the second terminal, and confirms to accept the at least one second data credential according to the second data credential information. .

When responding to the interaction request, step S403 is performed; when the interaction request is not responded, the process is ended.

S403: The first terminal sends the first data credential to the second terminal when responding to the interaction request sent by the second terminal.

The first data credential is generated by the first server locking the first data in the first terminal according to the request of the first terminal.

Further, when the interaction request is sent in the form of a data credential, step S403 is specifically: the first terminal sends the first data credential to the second terminal when confirming that the at least one second data credential is accepted.

The data value of the locked data represented by the first data voucher is equal to the sum of the data values of the data represented by the second data voucher accepted by the first terminal.

S404: Send, to the first server, when the sum of the data value values of all the first data vouchers received by the second terminal in the preset time is not less than the data value size of the target data. Notification information.

For example, when the second terminal confirms that the sum of the data values represented by all the first data voucher received in the preset time is greater than or equal to the data value of the target data, the first corresponding to the received first data voucher is obtained. The server sends a notification message to the first server that the target data interaction is successful. The notification information includes at least the first data credential information.

Further, when the second terminal confirms that the sum of the data value values of all the first data vouchers received in the preset time is smaller than the data value of the target data, the method further includes: The terminal sends an instruction that the target data interaction fails to the first server; wherein the instruction that the interaction fails is used to notify the first server to unlock all the first data credentials.

For example, when the second terminal confirms that the sum of the data values represented by all the first data vouchers received within the preset time is smaller than the data value of the target data included in the interaction request, the acquisition of the target data fails, and the received data is received. The first server corresponding to the first data certificate sends an instruction that the target data interaction fails, and sends the received first data certificate to the corresponding first server.

When the first server receives the instruction of the interaction failure sent by the second terminal and the first data credential, in response to the instruction that the interaction fails, unlocking the received first data credential and increasing the data represented by the first data credential to The first terminal.

S405: The first server adds data with the same data value as the data represented by the first data voucher to the second terminal in response to the notification information.

When receiving the notification information sent by the second terminal, the first server, in response to the notification information, unlocks data with the same data value of the data represented by the first data voucher, and adds the unlocked data to the second terminal.

The first server may directly add the unlocked data to the second terminal, and may also add the unlocking data to the second terminal by other means, which is not limited herein.

The data interaction processing method in the embodiment of the present invention is exemplified below.

For example, the first terminal is user B, the second terminal is user C, and the first terminal is multiple, that is, B1, B2, ..., Bn. User B is the administrator of multiple clients and has a corresponding password for each client to perform administrator privileges. The client can be a device such as a personal computer, a tablet, a smart phone, or the like that can perform data interaction with the server through a network. The user C initiates an interaction request for the target data to the user B, where the target data includes the first data, the second data, the ..., the nth data, and the first data is a password for requesting the administrator authority of one of the clients. The second data is a password that requests management rights of another client. For example, the user C requests the password of the administrator authority of the client 2 from the user B1, and the password of the administrator authority to the client B2 client 3.

When the user B determines an interaction request in response to the acquisition target data sent by the user C, the user B issues a data voucher to the user C through the first server, and transmits the data voucher to the user C. The user C can set a preset time that requires the user B to respond to the interaction request. For example, user C sets user B to send the administrator rights of clients 2 and 3 to user B within 1 month.

The administrator password of the user B is saved in the first service party, and the importance level of the corresponding administrator authority is different for each client. For example, client 1 is a company server, client 2 is a tablet, and client 3 is a personal computer. Therefore, the importance level of the administrator authority of the client 1 needs to be set to be the highest, the importance level of the administrator authority of the client 3 is second, and the importance level of the administrator authority of the client 2 is the last.

When the user B1 agrees to hand over the administrator authority of the client 2 to the user C, the corresponding data certificate is provided to the first server. The data credential may be an operation log when the user B1 manages the client 2 to prove the security and reliability of the user B1.

When the user B2 agrees to hand over the administrator authority of the client 3 to the user C, the corresponding data certificate is provided to the first server. The data credential may be an operation log when the user B2 manages the client 3 to prove the security and reliability of the user B2.

When the user C receives the data credential submitted by the user B1, the user B1 freezes the administrator authority of the client 2 according to the related content of the data credential submitted by the B1, that is, the user B1 cannot manage the client 2 by using the corresponding password. . When the first server receives the data credential submitted by the user B2, the user B2 freezes the administrator authority of the client 3 according to the content of the data credential submitted by the B2, that is, the user B2 cannot use the corresponding password to perform the client 3 management.

When the user C confirms that only the data certificate opened by the user B1 or the user B2 is acquired within the preset time, the acquisition of the target data fails. The user C notifies the first server to return the data certificate sent by B1 to the user B1 to return the password of the administrator authority of the client 2, and returns the data certificate sent by the B2 to the user B2 to return the password of the administrator authority of the client 3.

When the user C confirms that the data credentials opened by the users B1 and B2 are obtained within the preset time, the user C sends an instruction to obtain the target data successfully to the first server to notify the first server to acquire the client 2 and the client 3 The password of the administrator authority, and the password of the administrator authority of the client 2 and the client 3 is sent to the user C, and the permission of the first data in the client 2 and the second data in the client 3 are opened for the user C. permission.

In the above, when the user B (data provider) receives the request of the user C (data requester) to obtain the administrator authority password of the client 2, 3, the first server confirms whether to open the client for the user C according to the instruction sent by the user C. Administrator rights for terminals 2 and 3. On the one hand, the process in which the users B1 and B2 hand over the administrator authority to the user C is conducted through the first server for risk management, and the data credentials of the users B1 and B2 are required as guarantees so that the administrator rights are not arbitrarily transferred. On the other hand, the first server confirms that the user C sends the administrator authority of the client 2, 3 storing the target data to the user C when the target data is successful within a preset time; and when the target data fails to be acquired, The user B1 and B2 are returned to the administrator rights of the respective clients, so that the client has only one administrator right, so that the data management of the client is not confusing and the risk of client data security is avoided.

Further, the requested data may also be text data, audio data, video data, program data, or financial data in the financial field. If it is fund data, such as funds, then user B is the investor and user C is the fundraiser. The initiator, the server is a money management server, for example, a bank. If it is audio data, such as a song, the data requester and the data originator may be a client having a multimedia playing function such as a mobile phone, and the server is a music website server.

In the above solution, when the first terminal responds to the interaction request sent by the second terminal, the first terminal sends the first data credential to the second terminal; and the sum of the data values represented by all the first data credentials received by the second terminal within the preset time When the data value is greater than or equal to the data value of the target data, the notification information is sent to the first server to notify the first server to increase the data with the same data value as the data represented by the first data voucher to the second terminal. In the above manner, the data is transmitted in the form of a data credential during the data exchange process. When the first terminal meets the predetermined condition to complete the data interaction, the second terminal can successfully obtain the data provided by the first terminal, which can improve the security of the data interaction.

Referring to FIG. 5, FIG. 5 is a schematic flowchart diagram of another embodiment of a data interaction processing method according to the present invention. The execution body of this embodiment is a second terminal. The data interaction processing method of this embodiment includes the following steps:

S501: The second terminal sends an interaction request for acquiring target data to the multiple first terminals.

When the interaction request is sent in the form of a data credential, step S501 is specifically:

The second data voucher includes at least data represented by the second data voucher, data values of the target data, and a preset time, and the sum of the data values of the data represented by the plurality of second data voucher is greater than or equal to the sum of the data values of the target data. . The data represented by the second data voucher is the first data of the target data.

S502: The second terminal receives the first data credential sent by the first terminal.

The first data credential is sent by the first terminal to the second terminal when confirming the interaction request of the acquiring target data sent by the second terminal, where the target data includes at least the data value of the target data and the preset time, the first data credential. Generating for the first server to lock the first data in the first terminal according to the request of the first terminal.

Further, when the interaction request is sent in the form of a data credential, step S502 is specifically: the second terminal receives the first data credential sent by the first terminal when confirming acceptance of the at least one second data credential. The at least one second data credential is at least one of the plurality of second data credentials sent by the second server to the second terminal.

S503: notify the first server that the sum of the data value values represented by all the first data vouchers received by the second terminal within the preset time is not less than the data value size of the target data. Data of the same size as the data value of the data represented by the first data voucher is added to the second terminal.

For example, when the second terminal confirms that the sum of the data values represented by all the first data voucher received in the preset time is greater than or equal to the data value of the target data, the first corresponding to the received first data voucher is obtained. And sending, to the first server, notification information that the target data interaction is successful, to notify the first server to add data with the same data value as the data represented by the first data credential to the second terminal. The notification information includes at least the first data credential information.

In the above solution, the second terminal receives the first data credential sent by the first terminal, and confirms that the sum of the data values represented by all the first data credentials received within the preset time is not less than the data value of the target data, The first server adds data of the same size as the data value of the data represented by the first data voucher to the second terminal. In the above manner, the data is transmitted in the form of a data credential during the data interaction process, and the second terminal can successfully obtain the data provided by the first terminal when the first terminal meets the predetermined condition to complete the data interaction, thereby improving the security of the data interaction. .

Please refer to FIG. 6. FIG. 6 is a schematic flowchart diagram of still another embodiment of a data interaction processing method according to the present invention. The execution body of this embodiment is the first terminal. The data interaction processing method of this embodiment includes the following steps:

S601: The first terminal receives an interaction request sent by the second terminal.

The first terminal receives an interaction request for acquiring target data sent by the second terminal, and confirms whether to respond to the interaction request. The interaction request includes at least a data value of the target data and a preset time.

When the interaction request is sent in the form of the data credential, step S601 is specifically: the first terminal receives the plurality of second data credentials sent by the second terminal, and confirms whether to accept the at least one second data credential according to the second data credential information.

The second data credential is that the second terminal generates a plurality of second data credentials according to the interaction request of the target data, and sends the second data credential to the first terminal by using the second server.

The second data voucher includes at least data represented by the second data voucher, data values of the target data, and a preset time, and the sum of the data values of the data represented by the plurality of second data voucher is greater than or equal to the sum of the data values of the target data. The data represented by the second data voucher is the first data of the target data.

When responding to the interaction request, step S602 is performed; when the interaction request is not responded, the process is ended.

S602: The first terminal sends the first data credential to the second terminal when confirming the response to the interaction request.

The interaction request includes at least a data value of the target data and a preset time. The first data credential is generated by the first server locking the first data in the first terminal according to the request of the first terminal.

Further, when the interaction request is sent in the form of a data credential, step S602 is specifically: the first terminal sends the first data credential to the second terminal when confirming that the at least one second data credential is accepted.

Further, when the first terminal confirms the response to the interaction request, the step of sending the first data credential to the second terminal is specifically:

The first terminal sends a request for generating the first data credential to the first server when confirming the response to the interaction request sent by the second terminal; wherein the request for generating the first data credential includes at least information of the first data to be locked; When receiving the first data credential sent by the first server, the terminal sends the first data credential to the second terminal.

In the above solution, when the first terminal confirms the interaction request sent by the second terminal, the first terminal sends the first data credential to the first terminal. In the above manner, the data is transmitted in the form of a data credential during the data interaction process, and the second terminal can successfully obtain the data provided by the first terminal when the first terminal meets the predetermined condition to complete the data interaction, thereby improving the security of the data interaction. .

Please refer to FIG. 7. FIG. 7 is a schematic structural diagram of an embodiment of a data interaction processing apparatus according to the present invention. Each of the modules included in the data interaction processing apparatus of this embodiment is used to perform the steps in the embodiment corresponding to FIG. 5 and FIG. 5. For details, refer to the related description of the embodiment corresponding to FIG. 5 and FIG. 5, and details are not described herein. The data interaction processing device of this embodiment is a second terminal. The data interaction processing apparatus of this embodiment includes a sending module 710, an obtaining module 720, a confirming module 730, and a notification module 740.

The sending module 710 is configured to send an interaction request for acquiring target data to the first terminal, where the interaction request includes at least a data value of the target data and a preset time.

The obtaining module 720 is configured to receive the first data credential sent by the first terminal, where the first data credential is sent by the first terminal when confirming an interaction request sent by the second terminal, where the interaction request includes at least a data value of the target data and a preset time, the first data credential being generated by the first server locking the first data in the first terminal.

Further, the obtaining module 720 is configured to receive a first data credential that is sent by the first terminal when confirming to accept the at least one second data credential; wherein the at least one second data credential is an interaction of the second terminal according to the target data. At least one of the generated plurality of second data credentials is requested and sent to the acquisition module 720 by the second server.

The confirmation module 730 is configured to determine whether the sum of the data value sizes represented by all the first data vouchers received by the obtaining module in the preset time is not less than the data value size of the target data.

The notification module 740 is configured to notify the first server that when the confirmation result of the confirmation module 730 is that the sum of the data value sizes represented by all the first data voucher is not less than the data value size of the target data. The data having the same data value of the data represented by the first data voucher is added to the data interaction processing device.

Further, the notification module 740 is further configured to: when the confirmation module 730 determines that the sum of the data value sizes of all the first data credentials received within the predetermined time is less than the data value size of the target data, The first server sends an instruction that the target data interaction fails, wherein the instruction that the interaction fails is used to notify the first server to unlock the first data credential.

In the above solution, the data interaction processing device receives the first data credential sent by the first terminal, and confirms that the sum of the data values represented by all the first data credentials received within the preset time is not less than the data value of the target data. The first server is notified to add data of the same size as the data value of the data represented by the first data voucher to the data interaction processing device. In the above manner, the data is transmitted in the form of a data credential during the data interaction process, and the second terminal can successfully obtain the data provided by the first terminal when the first terminal meets the predetermined condition to complete the data interaction, thereby improving the security of the data interaction. .

Please refer to FIG. 8. FIG. 8 is a schematic structural diagram of another embodiment of a data interaction processing apparatus according to the present invention. Each of the modules included in the data interaction processing apparatus of this embodiment is used to perform the steps in the embodiment corresponding to FIG. 6 and FIG. 6. For details, refer to the related description of the embodiment corresponding to FIG. 6 and FIG. 6, which are not described herein. The data interaction processing device of this embodiment is a first terminal. The data interaction processing apparatus of this embodiment includes a receiving module 810 and a response module 820.

The receiving module 810 is configured to receive an interaction request sent by the second terminal, where the interaction request includes at least a data value of the target data and a preset time.

The response module 820 is configured to send the first data credential to the second terminal when confirming the interaction request received by the response receiving module 810; wherein the interaction request includes at least a data value of the target data and a preset time; A data credential is generated by the first server locking the first data in the first terminal according to the request of the first terminal.

In the above solution, the data interaction processing device sends the first data credential to the first terminal when confirming the response to the interaction request sent by the second terminal. In the above manner, the data is transmitted in the form of a data credential during the data interaction process, and the second terminal can successfully obtain the data provided by the first terminal when the first terminal meets the predetermined condition to complete the data interaction, thereby improving the security of the data interaction. .

Referring to FIG. 9, FIG. 9 is a schematic structural diagram of still another embodiment of a data interaction processing apparatus according to the present invention. The data interaction processing device of this embodiment is a second terminal. The data interaction processing apparatus of this embodiment includes a receiver 910, a processor 920, a transmitter 930, a read only memory 940, a random access memory 950, and a bus 960.

Receiver 910 is configured to receive data.

The processor 920 controls the operation of the data interaction processing device, and the processor 920 may also be referred to as a CPU (Central). Processing Unit, central processing unit). Processor 920 may be an integrated circuit chip with signal processing capabilities. The processor 920 can also be a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), an off-the-shelf programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware component. . The general purpose processor may be a microprocessor or the processor or any conventional processor or the like.

Transmitter 930 is used to transmit data.

The memory can include read only memory 940 and random access memory 950 and provides instructions and data to processor 920. A portion of the memory may also include non-volatile random access memory (NVRAM).

The various components of the data interaction processing device are coupled together by a bus 960, which may include, in addition to the data bus, a power bus, a control bus, a status signal bus, and the like. However, for clarity of description, various buses are labeled as bus 960 in the figure.

The memory stores the following elements, executable modules or data structures, or a subset of them, or their extended set:

Operation instructions: include various operation instructions for implementing various operations.

Operating system: Includes a variety of system programs for implementing various basic services and handling hardware-based tasks.

In the embodiment of the present invention, the processor 920 performs the following operations by calling an operation instruction stored in the memory, which can be stored in the operating system:

The processor 920 is configured to control the receiver 910, the receiver 810 is configured to receive the first data credential sent by the first terminal, where the first data credential is when the first terminal confirms the response to the interaction request sent by the second terminal. And sending, the interaction request includes at least a data value of the target data and a preset time, where the first data credential is generated by the first server locking the first data in the first terminal according to the request of the first terminal;

The processor 920 is configured to determine whether a sum of data values represented by all the first data vouchers received by the acquiring module in the preset time is not less than a data value size of the target data;

The processor 920 is configured to notify the first server that the first data is to be used when the confirmation result is that the sum of the data value sizes represented by all the first data voucher is not less than the data value size of the target data. The data of the same data value size of the data represented by the voucher is added to the second terminal.

Further, the processor 920 is configured to control the receiver 910 receiver 810 to receive the first data credential sent by the first terminal when confirming acceptance of the at least one second data credential; wherein the at least one second data credential is the At least one of the plurality of second data credentials generated by the second terminal according to the interaction request of the target data, and sent by the second server to the acquiring module;

The processor 920 is further configured to: when the sum of the data value sizes of all the first data voucher received within the predetermined time is smaller than the data value size of the target data, the target data interaction failure is sent to the received first server. And the instruction that the interaction fails is used to notify the first server to unlock the first data credential.

Please refer to FIG. 10. FIG. 10 is a schematic structural diagram of still another embodiment of a data interaction processing apparatus according to the present invention. The data interaction processing device of this embodiment is the first terminal. The data interaction processing apparatus of this embodiment includes a receiver 1010, a processor 1020, a transmitter 1030, a read only memory 1040, a random access memory 1050, and a bus 1060.

Receiver 1010 is for receiving data.

The processor 1020 controls the operation of the data interaction processing device, and the processor 1020 may also be referred to as a CPU (Central). Processing Unit, central processing unit). Processor 1020 may be an integrated circuit chip with signal processing capabilities. The processor 1020 can also be a general purpose processor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), an off-the-shelf programmable gate array (FPGA), or other programmable logic device, discrete gate or transistor logic device, discrete hardware component. . The general purpose processor may be a microprocessor or the processor or any conventional processor or the like.

Transmitter 1030 is used to transmit data.

The memory can include read only memory 1040 and random access memory 1050 and provides instructions and data to processor 1020. A portion of the memory may also include non-volatile random access memory (NVRAM).

The various components of the data interaction processing device are coupled together by a bus 1060, which may include, in addition to the data bus, a power bus, a control bus, a status signal bus, and the like. However, for clarity of description, various buses are labeled as bus 1060 in the figure.

In the embodiment of the present invention, the processor 1020 performs the following operations by calling an operation instruction stored in the memory, which can be stored in the operating system:

The processor 1020 is configured to control the receiver 1010 to receive an interaction request sent by the second terminal, where the interaction request includes at least a data value of the target data and a preset time.

The processor 1020 is configured to: when the acknowledgment is responsive to the interaction request, control the sender 1030 to send the first data credential to the second terminal; where the interaction request includes at least a data value of the target data and a preset time; The first data credential is generated by the first server locking the first data in the first terminal according to the request of the first terminal.

Further, the processor 1020 is specifically configured to, when confirming the response to the interaction request, control the sender 1030 to send a request for generating the first data credential to the first server, and to receive the first server Sending the first data credential to the second terminal when the first data credential is sent; wherein the request includes at least information of the first data to be locked.

In the above solution, the data interaction processing device receives the interaction request sent by the second terminal, and sends a first data certificate to the second terminal when confirming the response to the interaction request. In the above manner, the data is transmitted in the form of a data credential during the data interaction process, and the second terminal can successfully obtain the data provided by the first terminal when the first terminal meets the predetermined condition to complete the data interaction, thereby improving the security of the data interaction. .

In the several embodiments provided by the present invention, it should be understood that the disclosed system, apparatus, and method may be implemented in other manners. For example, the device implementations described above are merely illustrative. For example, the division of the modules or units is only a logical function division. In actual implementation, there may be another division manner, for example, multiple units or components may be used. Combinations can be integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection through some interface, device or unit, and may be in an electrical, mechanical or other form.

The units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, may be located in one place, or may be distributed to multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of the present embodiment.

In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware or in the form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a standalone product, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention, which is essential or contributes to the prior art, or all or part of the technical solution, may be embodied in the form of a software product stored in a storage medium. A number of instructions are included to cause a computer device (which may be a personal computer, server, or network device, etc.) or a processor to perform all or part of the steps of the methods of the various embodiments of the present invention. The foregoing storage medium includes: a U disk, a mobile hard disk, a read only memory (ROM, Read-Only) Memory, random access memory (RAM), disk or optical disk, and other media that can store program code.

Claims

A data interaction processing method, the method comprising:

Transmitting, by the first terminal, the first data credential to the second terminal, in response to the interaction request sent by the second terminal, where the interaction request includes at least a data value of the target data and a preset time; the first data credential Generating, by the first server, the first data in the first terminal according to the request of the first terminal;

Sending, by the second terminal, the notification information to the first server when the sum of the data value values of all the first data vouchers received by the second terminal is not smaller than the data value of the target data. ;

The first server, in response to the notification information, adds data having the same data value as the data represented by the first data voucher to the second terminal.
The data interaction processing method according to claim 1, wherein the step of the first terminal transmitting the first data credential to the second terminal when the first terminal confirms the interaction request sent by the second terminal The method also includes:

The second terminal generates a plurality of second data credentials according to the interaction request of the target data, and sends the plurality of second data credentials to the second server; wherein the second data credentials include at least the target data Data values and the preset time;

The second server sends the received multiple second data credentials to the plurality of first terminals;

When the first terminal responds to the interaction request, the step of sending the first data credential to the second terminal is specifically:

And the first terminal sends the first data credential to the second terminal when confirming that the at least one second data credential is accepted.
The data interaction processing method according to any one of claims 1 to 2, wherein the second terminal determines that a sum of data values of all of the first data voucher received within a predetermined time is smaller than the target When the data value size of the data, the method further includes:

The second terminal sends an instruction that the target data interaction fails to the first server, where the instruction that the interaction fails is used to notify the first server to unlock the first data credential.
A data interaction processing method, the method comprising:

Receiving, by the first terminal, an interaction request sent by the second terminal, where the interaction request includes at least a data value of the target data and a preset time;

When the first terminal confirms the response to the interaction request, the first terminal sends a first data credential to the second terminal, where the interaction request includes at least a data value of the target data and a preset time; the first data credential And being generated by the first server locking the first data in the first terminal according to the request of the first terminal.
The method according to claim 4, wherein the step of the first terminal transmitting the first data credential to the second terminal when confirming the response to the interaction request is specifically:

When the first terminal confirms the response to the interaction request, the first terminal sends a request for generating the first data credential to the first server, where the request includes at least information of the first data to be locked;

Receiving, by the first terminal, the first data credential to the second terminal when receiving the first data credential sent by the first server.
A data interaction processing method, the method comprising:

The second terminal sends an interaction request for acquiring target data to the first terminal, where the interaction request includes at least a data value of the target data and a preset time;

Receiving, by the second terminal, the first data credential sent by the first terminal when confirming the response to the interaction request, where the first data credential is generated by the first server locking the first data in the first terminal ;

Notifying the first server that the first server will notify the first server if the sum of the data values represented by the first data voucher received by the second terminal within the preset time is not less than the data value of the target data. The data having the same data value of the data represented by the first data voucher is added to the second terminal.
The data interaction processing method according to claim 6, wherein the step of the second terminal transmitting an interaction request for acquiring target data to the first terminal is specifically:

The second terminal generates a plurality of second data credentials according to the interaction request of the acquisition target data, and sends a plurality of the second data credentials to the first terminal by using a second server; wherein, the second terminal The data voucher includes at least a data value of the target data and the preset time

The step of the second terminal receiving the first data credential sent by the first terminal is specifically:

The second terminal receives the first data credential sent by the first terminal when confirming acceptance of at least one of the second data credentials.
The data interaction processing method according to claim 6, wherein when the sum of the data values of all the first data voucher received by the second terminal within a predetermined time is smaller than the data value of the target data The method further includes:

The second terminal sends an instruction that the target data interaction fails to the first server, where the instruction that the interaction fails is used to notify the first server to unlock the first data credential.
A data interaction processing device, characterized in that the device comprises a receiving module and a response module;

The receiving module is configured to receive an interaction request sent by the second terminal, where the interaction request includes at least a data value of the target data and a preset time;

The response module is configured to send a first data credential to the second terminal when the acknowledgment is responsive to the interaction request, where the interaction request includes at least a data value of the target data and a preset time; the first data The credential is generated by the first server locking the first data in the first terminal according to the request of the first terminal.
A data interaction processing device, comprising: a sending module, an obtaining module, a confirming module, and a notification module;

The sending module is configured to send an interaction request for acquiring target data to the first terminal, where the interaction request includes at least a data value of the target data and a preset time;

The acquiring module is configured to receive a first data credential that is sent by the first terminal when the acknowledgment is sent in response to the interaction request sent by the sending module, where the first data credential is a first server according to the first terminal Generating a first data in the first terminal to request to be locked;

The confirmation module is configured to determine whether a sum of data values represented by all the first data vouchers received by the acquiring module is not smaller than a data value of the target data in the preset time;

The notification module is configured to notify the first server that the first server will notify when the confirmation result of the confirmation module is that the sum of the data value sizes represented by all the first data voucher is not less than the data value size of the target data. The data having the same data value of the data represented by the first data voucher is added to the second terminal.
The data interaction processing apparatus according to claim 10, wherein the obtaining module is configured to receive a first data credential sent by the first terminal when confirming acceptance of the at least one second data credential; wherein the at least one The second data credential is at least one of the plurality of second data credentials generated by the second terminal according to the interaction request of the target data, and is sent to the acquiring module by the second server;

The notification module is further configured to: when the confirmation module determines that the sum of the data value sizes of all the first data voucher received within the predetermined time is less than the data value size of the target data, the receiving the A server sends an instruction that the target data interaction fails, wherein the instruction that the interaction fails is used to notify the first server to unlock the first data certificate.
An online fundraising method, characterized in that the method comprises:

Receiving, by the first terminal, the first electronic credential to the second terminal, in response to the financing request sent by the second terminal, where the financing request includes at least target item information, a target fund amount, and a preset time; The electronic voucher is generated by the first server freezing the first fund in the fund account of the first user according to the request of the first terminal, and committing to settle the electronic credit commitment payment voucher of the first fund according to the agreed condition; The server is an account management server of the first user;

And sending, by the second terminal, the notification information to the first server when the sum of the funds of all the first electronic vouchers received by the second terminal is not less than the target fund quota;

The first server, in response to the notification information, transfers funds represented by the first electronic voucher to a fund account of the second user.
The online fundraising method according to claim 12, wherein the method is: before the step of transmitting, by the first terminal, the first electronic voucher to the second terminal in response to the fundraising request sent by the second terminal, the method Also includes:

The second terminal generates a plurality of second electronic voucher according to the fundraising request information of the target item, and sends the plurality of second electronic voucher to the first server; wherein the second electronic voucher includes at least target item information and a fundraising amount , the target fund amount and the preset time;

Sending, by the first server, the received plurality of second electronic credentials to the plurality of first terminals;

The step of the first terminal sending the first electronic credential to the second terminal in response to the sending the fundraising request of the second terminal is specifically:

The first terminal sends the first electronic credential to the second terminal upon confirming acceptance of the at least one of the second electronic credentials.
The online fundraising method according to any one of claims 12 or 13, wherein the second terminal determines that the amount of funds of all the first electronic voucher received within a predetermined time is less than the target fund amount The method further includes:

Sending, by the second terminal, an instruction for failing to raise funds to the first server;

The first server responds to the financing failure command and thaws all of the first electronic credentials.
An online fundraising method, characterized in that the method comprises:

Receiving, by the first terminal, a financing request sent by the second terminal, where the financing request includes at least target item information, a target fund amount, and a preset time;

The first terminal sends a first electronic credential to the second terminal when confirming the response to the financing request; wherein the first electronic credential is that the first server freezes the funds of the first user according to the request of the first terminal An electronic credit commitment payment voucher generated by the first fund in the account and promised to be settled according to the agreed condition; the first server is an account management server of the first user.
The online fundraising method according to claim 15, wherein the step of the first terminal transmitting the first electronic voucher to the second terminal when the first terminal confirms the response to the fundraising request sent by the second terminal is:

The first terminal sends a request for generating the first electronic credential to the first server when confirming that the financing request is sent by the second terminal; wherein the request includes at least information of the first funds to be frozen;

Receiving, by the first terminal, the first electronic credential to the second terminal when receiving the first electronic credential sent by the first server.
An online fundraising method, characterized in that the method comprises:

The second terminal sends a fundraising request to the first terminal, where the financing request includes at least target item information, a target fund amount, and a preset time;

Receiving, by the second terminal, the first electronic credential sent by the first terminal when confirming the response to the financing request; wherein the first electronic credential is that the first server freezes the funds of the first user according to the request of the first terminal An electronic credit commitment payment voucher generated by the first fund in the account and promised to be settled according to the agreed condition; the first server is an account fund management server of the first user;

And sending, by the second terminal, notification information to the first server when a sum of funds of all the first electronic voucher received by the second terminal is not less than the target fund amount; The notification information is used to notify the first server to transfer the funds represented by the first electronic voucher to the fund account of the second user.
The online fundraising method according to claim 17, wherein the step of the second terminal transmitting a fundraising request to the first terminal is specifically: the second terminal generates a plurality of second electronic credentials according to the financing request And sending, by the second server, the plurality of the second electronic voucher to the first terminal; wherein the second electronic voucher includes at least target item information, a fundraising amount, a target fund amount, and a preset time;

The step of the second terminal receiving the first electronic credential sent by the first terminal when confirming the response to the financing request is specifically:

The second terminal receives a first electronic credential sent by the first terminal when confirming receipt of the at least one second electronic credential.
The online fundraising method according to any one of claims 17 or 18, wherein a sum of funds of all the first electronic voucher received by the second terminal within the preset time is less than When the target fund amount is stated, the method further includes:

The second terminal sends an instruction for failing to raise funds to the first server, where the instruction for failing to raise funds is used to notify the first server to respond to the financing failure instruction, and to thaw the first electronic certificate.