WO2017101001A1

WO2017101001A1 - Data exchange processing method, server, terminal device, and online transaction method

Info

Publication number: WO2017101001A1
Application number: PCT/CN2015/097391
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-12-15
Filing date: 2015-12-15
Publication date: 2017-06-22
Also published as: CA2995916A1

Abstract

A data exchange processing method, server (80, 90), terminal device (100, 110) and online transaction method, said data exchange processing method comprising: a first server generating a first data certificate relating to a target (S10, S20, S30, S50); a device corresponding to a second account receiving the first data certificate according to an agreement so as to acquire a second data certificate information (S11, S21, S31). The second data certificate information is saved within the first data certificate, and comprises at least a first predetermined data value from a first account; the second data certificate is generated in order for the first predetermined data value from the first account to be locked by a second server (80), used for adding the first predetermined data value to the second account when the first account fails to transmit the target to the second account according to the agreement. By means of the described method, it is possible to prevent the wasting of network resources by violating target/data exchange agreements, thereby increasing the efficiency of target/data exchanges.

Description

Data interaction processing method, server, terminal device and online transaction 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, a server, a terminal device, and an online transaction 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 a user conducts transactions, social activities, etc. through the mobile Internet, there is often a situation in which the transaction party cancels the transaction in violation of the agreement, which wastes network resources and reduces interaction efficiency.

【发明内容】 [Summary of the Invention]

The technical problem to be solved by the present invention is to provide a data interaction processing method, a server and a terminal device, and generate corresponding data credentials before the target interaction to ensure the efficiency of data interaction.

The present invention provides a data interaction processing method, the method comprising: a first server generating a first data credential associated with a target; and a device corresponding to the second account receiving the first data credential according to an agreement to obtain a second data credential Information; wherein the second data credential information is stored in the first data credential, and includes at least a first predetermined data value in the first account; and the second data credential is locked in the first account by the second server And generating, by the first predetermined data value, the first predetermined data value when the device corresponding to the first account does not send the target to the device corresponding to the second account according to the agreement Added to the second account.

The present invention also provides a data interaction processing method, including: the first server generates a first data credential associated with the target; the device corresponding to the second account receives the first data credential according to the agreement, and sends the first data credential to the third server a third data voucher open request; wherein the first data voucher includes an offer opening request, the solicitation request includes a second predetermined data value; and the third data voucher open request is corresponding to the second account And generating, by the third server, the second predetermined data value in the second account to generate the third data credential in response to the third data credential opening request Transmitting, to the second server, the information of the third data voucher, wherein the third data voucher is used to accept the first account corresponding to the device corresponding to the second account according to the agreement The second predetermined data value is added to the first account when the device transmits the target.

The present invention also provides a data interaction processing method, which is applied to a second server, the method comprising: the second server receiving a second data credential open request sent by the first server; wherein the second data credential is opened Is issued when the first server generates the first data credential associated with the target, or the first server sends the first data credential to the second account according to the agreement; the second data credential is opened The request includes a first predetermined data value; and generating the second data credential in response to the second data credential open request to lock the first predetermined data value in the first account; wherein the second data credential And adding, when the device corresponding to the first account does not send the target to the second account according to the agreement, adding the first predetermined data value to the second account.

The present invention further provides a data interaction processing method, which is applied to a third server, and the method includes: the third server receiving, when the device corresponding to the second account receives the first data credential sent by the first server according to the agreement a three data voucher open request; wherein the first data voucher includes an offer opening request, the solicitation request includes a second predetermined data value; and the third data voucher open request is responded by the second account Generating the solicitation request; and in response to the request, locking the second predetermined data value in the second account to generate the third data credential; wherein the third data credential is used in the The second predetermined data value is added to the first account when the device corresponding to the second account does not accept the target sent by the device corresponding to the first account according to the agreement.

The present invention also provides a server, comprising: a communication module, configured to receive a second data credential open request issued by a first server; wherein the second data credential open request is generated and targeted by the first server Is issued when the associated first data voucher is issued, or the first server sends the first data voucher to the second account according to the agreement; the second data voucher open request includes the first predetermined data value; a second data credential generating module, configured to generate the second data credential in response to the second data credential opening request to lock the first predetermined data value in the first account; and an executing module, configured to respond to the first request Unlocking the first predetermined data value; further for unlocking the first predetermined data value in response to the second request and transmitting the first predetermined data value to a third server associated with the second account to The first predetermined data value is added to the second account; wherein the first request is that the first server determines that the device corresponding to the first account is in accordance with the agreement When the target is sent to the device corresponding to the second account, the second requesting that the first server determines that the device corresponding to the first account does not send the target to the second according to the agreement Occurs when the device corresponds to the account.

The present invention further provides a server, comprising: a communication module, configured to receive a third data credential opening request sent by a device corresponding to the second account when receiving the first data credential sent by the first server according to the agreement; The first data voucher includes an offer opening request, where the solicitation request includes a second predetermined data value; and the third data voucher open request is generated by the second account in response to the offer request; and a three-data voucher generating module, configured to lock the second predetermined data value in the second account to generate the third data voucher in response to the request; and an execution module, configured to unlock the second in response to the third request a predetermined data value; further configured to unlock the second predetermined data value in response to the fourth request and send the second predetermined data value to a second server associated with the first account to view the second predetermined data Adding a value to the first account; wherein the third request is generated when the second account accepts the target according to the agreement; the fourth request is the first Determines that the service account corresponding to the second device does not accept the target is generated in accordance with said convention.

The present invention also provides a terminal device comprising: one or more processors; a memory; a plurality of applications; and one or more programs, wherein the one or more programs are stored in the memory and Configuring to be executed by the one or more processors, the one or more programs comprising instructions for: the second server to receive a second data credential open request issued by the first server; And the second data credential opening request is sent when the first server generates the first data credential associated with the target, or the first server sends the first data credential according to the agreement to the second account. The second data credential open request includes a first predetermined data value; and generating the second data credential in response to the second data credential open request to lock the first predetermined data value in the first account; The second data voucher is configured to: when the device corresponding to the first account does not send the target to the second account according to the agreement, the first pre- Data value increases to the second account.

The present invention also provides a terminal device comprising: one or more processors; a memory; a plurality of applications; and one or more programs, wherein the one or more programs are stored in the memory and Configuring to be executed by the one or more processors, the one or more programs comprising instructions for: the third server receiving the device corresponding to the second account to receive the first server to send according to the agreement a third data voucher open request sent by the first data voucher; wherein the first data voucher includes an offer opening request, the solicitation request includes a second predetermined data value; and the third data voucher is opened The request is generated when the second account responds to the solicitation request; and the second predetermined data value in the second account is locked in response to the request to generate the third data voucher; wherein the The third data voucher is configured to: when the device corresponding to the second account does not accept the target sent by the device corresponding to the first account according to the agreement, the second predetermined data value Was added to the first account.

In the above data interaction processing method, the information of the second data voucher is recorded in the first data voucher associated with the target, and the first data voucher including the second data voucher information is sent to the second account requesting the interaction target. The second data voucher is configured to add the first predetermined data value to the second account when the first account does not deliver the target to the second account according to the agreement. Therefore, in the target/data interaction process, the first predetermined data value is not sent according to the predetermined interaction target/data, and the network resource is wasted without arbitrarily violating the target/data interaction convention, thereby improving the efficiency of the target/data interaction.

Another object of the present invention is to provide an online transaction method for recording electronic voucher information for compensating for the other party when the transaction fails in the electronic commitment voucher before the transaction to improve the transaction success rate.

The invention provides an online transaction method, comprising: a first server generating an electronic commitment voucher; wherein the electronic commitment voucher is a network electronic document integrating an essential function of a target commodity/service e-commerce; The device receives the electronic commitment voucher according to the agreement to obtain the first electronic voucher information; wherein the first electronic voucher information is saved in the electronic commitment voucher, and includes at least a first predetermined amount of the first account; The electronic voucher is generated by the second server freezing the first predetermined amount of funds in the first account, and the second account is not provided in the first account according to the agreement At the time, the first predetermined amount of funds is transferred to the second account.

The present invention also provides an online transaction method, comprising: a first server generating an electronic commitment voucher; wherein the electronic commitment voucher is a network electronic document integrating an essential function of a target goods/service e-commerce; and a second account Receiving the electronic commitment voucher according to the agreement, and sending a second electronic voucher open request to the third server; wherein the electronic commitment voucher includes an offer opening request, where the offer request includes a second predetermined amount; a second electronic voucher open request is generated when the second account responds to the offer open request; and the third server freezes the second account in the second account in response to the second electronic voucher open request Refining the amount of funds to generate the second electronic voucher and transmitting the information of the second electronic voucher to the second server; wherein the second electronic voucher is used in the second account Adding the second predetermined amount of funds to the first account when the agreement accepts the target goods/services provided by the first account.

In the above online trading method, the electronic voucher is accompanied by an electronic voucher for the deposit in the first account and/or the second account. When either party fails to perform the agreement, the deposit is released to the other party for the guarantee transaction. Performance and protection of the interests of both parties. Further, the deposit does not need to be paid to the other party in advance, nor does it need to be handed over to a third party for custody, thereby avoiding the situation that the payer cannot recover the deposit after the performance of the contract, thereby ensuring the fair rights and interests of both parties to the network and promoting the development of e-commerce.

【附图说明】 [Description of the Drawings]

1 is a schematic flowchart of a data interaction processing method in a first embodiment of the present invention;

2 is a schematic diagram of data interaction relationship in an embodiment of the present invention;

3 is a schematic flowchart of a data interaction processing method in a second embodiment of the present invention;

4 is a schematic flowchart of a data interaction processing method in a third embodiment of the present invention;

FIG. 5 is a schematic flowchart diagram of a data interaction processing method in a fourth embodiment of the present invention; FIG.

6 is a schematic flowchart of a data interaction processing method in a fifth embodiment of the present invention;

7 is a schematic flowchart of a data interaction processing method in a sixth embodiment of the present invention;

8 is a schematic structural diagram of a server in a first embodiment of the present invention;

9 is a schematic structural diagram of a server in a second embodiment of the present invention;

FIG. 10 is a schematic structural diagram of a terminal device according to a first embodiment of the present invention; FIG.

11 is a schematic structural diagram of a terminal device according to a second embodiment of the present invention;

12 is a schematic flow chart of an online transaction method in a first embodiment of the present invention;

FIG. 13 is a flow chart showing an online transaction method in a second embodiment of the present invention.

【具体实施方式】【detailed description】

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all embodiments. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

1 is a schematic flowchart of a data interaction processing method according to a first embodiment of the present invention. Please refer to the data interaction relationship diagram shown in FIG. 2, where the first server is used to generate, manage, update, and save. a first data voucher; the second server is associated with the first account for managing data in the first account; and the third server is associated with the second account for managing data in the second account. The method flow shown in this embodiment includes:

In step S10, the first server generates a first data credential associated with the target.

Step S11: The device corresponding to the second account receives the first data credential according to the agreement to obtain the second data credential information.

The second data voucher information is stored in the first data voucher and includes at least a first predetermined data value in the first account. The second data voucher is generated by the second server locking the first predetermined data value in the first account, and is configured to: when the device corresponding to the first account does not send the target to the device corresponding to the second account according to the agreement, A predetermined data value is added to the second account.

In an embodiment, the second data credential is generated by the first server while the first server generates the first data credential. Specifically, the first server sends a second data credential open request to the second server, so that the second server locks the first predetermined data value in the first account in response to the request, and generates the second data credential. Further, the first server obtains information of the second data credential, records the information of the second data credential in the first data credential, and publishes the first data credential through the network for other terminal/account interaction.

In another embodiment, the second data credential is generated after the first server generates the first data credential, and the device corresponding to the second account receives the first data credential according to the agreement. That is, after the first server generates the first data credential, and receives the request for acquiring the first data credential sent by the second account, the second data credential is generated. The first server issues the first data credential through the network, and when the second account needs to obtain the target associated with the first data credential, sends an interaction request to the first server, so that the first server sends the first request to the second server in response to the interaction request. Two data voucher open request. The second server locks the first predetermined data value in the first account in response to the request, and generates the second data credential. Further, the first server obtains the information of the second data credential, records the information of the second data credential in the first data credential, and sends the first data credential containing the second data credential information to the second Account.

Specifically, the agreement described in step S11 may include a predetermined time, an interaction rule of the target, and a communication rule. The information of the second data credential includes at least a first predetermined data value size, and may further include information of an expiration date, a status parameter, and a first data credential, wherein the first data credential information may be a name of the target, a data format of the target, or the like.

Further, the device corresponding to the second account further requests the third server to verify the second data voucher according to the second data credential information. The third server verifies the second data credential according to the second data credential information, specifically: the third server verifies whether the information of the second data credential meets the predetermined requirement, for example, verifying whether the validity period of the second data credential has passed, or its status Whether the parameter is identifiable.

Further, after verifying that the information of the second data voucher meets the predetermined requirement, the third server further modifies the status parameter in the information of the second data voucher as the received certificate, and sends the modified second data voucher information to the second server. . After receiving the modified second data credential information, the second server modifies the original second data credential information stored by the second server according to the modified content.

In the above solution, the information of the second data voucher is recorded in the first data voucher associated with the target, and the first data voucher containing the second data voucher information is sent to the second account requesting the interaction target. The second data voucher is configured to add the first predetermined data value to the second account when the device corresponding to the first account does not send the target to the device corresponding to the second account according to the agreement. Therefore, in the target/data interaction process, the first predetermined data value is not sent according to the agreed interaction target/data, and the network resource is wasted to avoid the random violation of the target/data interaction, thereby improving the efficiency of the target/data interaction.

FIG. 3 is a schematic flowchart of a data interaction processing method according to a second embodiment of the present invention. The method shown in this embodiment further includes the following steps with respect to the method shown in FIG. 1 :

In step S22, the first server determines whether the second account generates a request to reject the target according to the agreement. If yes, go to step S23, otherwise, go to step S24.

Specifically, when determining that the third server verifies that the second data credential is valid, the first server determines whether the second account generates a request to reject the target according to the agreement.

In step S23, the first server requests the second server to unlock the first predetermined data value. Then the process ends.

Specifically, in the embodiment, the second data voucher is generated by locking the first predetermined data value in the first account, and the device corresponding to the first account does not send the target to the device corresponding to the second account according to the agreement. The first predetermined data value is added to the second account. If the second account first generates a request to refuse to accept the target according to the agreement, determining that the second account violates the contract, and does not need to increase the first predetermined data value to the second account, directly unlocking the first predetermined data value, and still save In the first account.

Step S24: The first server determines whether the device corresponding to the first account sends the target to the device corresponding to the second account according to the agreement. If yes, go to step S25; otherwise, go to step S26.

In step S25, the first server requests the second server to unlock the first predetermined data value. Then the process ends.

Step S26, the first server requests the second server to unlock the first predetermined data value, and sends the first predetermined data value to the third server to add the first predetermined data value to the second account. Then the process ends.

Referring to FIG. 4, a data interaction processing method according to a third embodiment of the present invention, the method flow shown in the implementation manner includes:

In step S30, the first server generates a first data credential associated with the target.

Step S31: The device corresponding to the second account receives the first data credential according to the agreement to obtain the second data credential information.

In an embodiment, the second data credential is generated by the first server while the first server generates the first data credential.

In another embodiment, the second data credential is generated after the first server generates the first data credential, and the device corresponding to the second account receives the first data credential according to the agreement.

Step S32, the device corresponding to the second account sends a third data credential open request to the third server. The first data voucher includes an offer opening request, and the offer opening request includes a second predetermined data value. The third data voucher open request is generated when the device corresponding to the second account responds to the offer request for issuance.

Step S33, the third server locks the second predetermined data value in the second account in response to the request to generate the third data credential, and sends the information of the third data credential to the second server.

Further, the third server further requests the second server to verify the third data voucher according to the information of the third data voucher.

The third data voucher is configured to add the second predetermined data value to the first account when the device corresponding to the second account does not accept the target sent by the device corresponding to the first account.

In this embodiment, the first account provides the second data voucher that locks the first predetermined data value, and the second account also provides the third data voucher that locks the second predetermined data value, so as to interact with the target/data. Both are constrained. Of course, in other embodiments, the second data voucher may be provided only by the first account, or the third data voucher may be provided only by the second account, and correspondingly only the first account or the second account of the target/data interaction is performed. constraint.

In step S34, the first server determines whether the second account has a request to reject the acceptance of the target according to the agreement. If yes, go to step S35; otherwise, go to step S36.

Specifically, when the first server determines that the second server verifies that the third data credential is valid and the third server verifies that the second data credential is valid, determining whether the second account generates a request to reject the target according to the agreement.

Step S35, the first server requests the second server to unlock the first predetermined data value, and requests the third server to unlock the second predetermined data value, and sends the second predetermined data value to the second server to increase the second predetermined data value. To the first account. Then the process ends.

At step S35, since the second account refuses to accept the target according to the agreement, the second predetermined data value in the second account needs to be added to the first account.

Step S36: The first server requests the third server to unlock the second predetermined data value, and determines whether the device corresponding to the first account sends the target to the device corresponding to the second account according to the agreement. If yes, go to step S37; otherwise, go to step S38.

In step S37, the first server requests the second server to unlock the first predetermined data value. Then the process ends.

Step S38, the first server requests the second server to unlock the first predetermined data value, and sends the first predetermined data value to the third server to increase the first predetermined data value in the second account.

In the above solution, the first predetermined data value and the second predetermined data value in the first account and the second account are respectively locked, and the second data certificate and the third data certificate are generated accordingly. When the first account violates the agreement, the first predetermined data value is added to the second account according to the second data voucher; when the second account violates the agreement, the second predetermined data value is added to the third data voucher according to the third data voucher In an account. Thus, in the target/data interaction process, if either party does not follow the predetermined interaction target/data, the predetermined data value is added to the other party account according to the corresponding data voucher.

Further, the second predetermined data value is divided into a first sub-data value and a second sub-data value. When the device corresponding to the second account does not accept the target sent by the device corresponding to the first account according to the agreement, only the first The sub data value is added to the first account.

Further, when it is determined that the device corresponding to the first account sends the target to the device corresponding to the second account according to the agreement, the third server further determines whether the un-locked data value in the second account is not less than the data value of the target. If so, the third server sends the target data value to the second server and adds it to the first account. Otherwise, the third server unlocks the second predetermined data value and sends the target data value to the second server for addition to the first account.

FIG. 5 is a data interaction processing method according to a fourth embodiment of the present invention. The method shown in this embodiment includes the following steps:

In step S50, the first server generates a first data credential associated with the target.

Step S51: The device corresponding to the second account receives the first data certificate according to the agreement, and sends a third data certificate opening request to the third server.

The first data voucher includes a solicitation request, and the solicitation request includes a second predetermined data value. The third data voucher open request is generated when the device corresponding to the second account responds to the offer request for issuance.

Step S52, the third server locks the second predetermined data value in the second account in response to the third data credential opening request to generate a third data credential, and sends the information of the third data credential to the second server.

Further, the method further includes:

In step S53, the first server determines whether the second account generates a request to reject the target according to the agreement. If yes, the process proceeds to step S54. Otherwise, step S55 is performed.

Step S54, the first server requests the third server to unlock the second predetermined data value, and sends the second predetermined data value to the second server to add the second predetermined data value to the first account.

In step S55, the first server requests the third server to unlock the second predetermined data value.

Please refer to FIG. 6 , which is a data interaction processing method according to a fifth embodiment of the present invention. The method shown in this embodiment is applied to a second server, and includes the following steps:

Step S60: The second server receives the second data credential open request sent by the first server.

The second data credential open request is sent when the first server generates the first data credential associated with the target, or the first server sends the first data credential to the second account according to the agreement. The second data voucher open request includes a first predetermined data value.

Step S61, generating a second data credential in response to the second data credential opening request to lock the first predetermined data value in the first account.

The second data voucher is configured to add the first predetermined data value to the second account when the device corresponding to the first account does not send the target to the second account according to the agreement.

Further, the second server unlocks the first predetermined data value in response to the first request; unlocks the first predetermined data value in response to the second request and transmits the first predetermined data value to a third server associated with the second account And adding the first predetermined data value to the second account.

The first request is generated when the first server determines that the device corresponding to the first account sends the target to the device corresponding to the second account according to the agreement; the second request determines the first account by the first server. The corresponding device is not generated when the target is sent to the device corresponding to the second account according to the agreement.

FIG. 7 is a data interaction processing method according to a sixth embodiment of the present invention. The method shown in this embodiment is applied to a third server, and includes the following steps:

Step S70: The third server receives the third data credential opening request sent by the device corresponding to the second account when receiving the first data credential sent by the first server according to the agreement.

The first data voucher includes a solicitation request, and the solicitation request includes a second predetermined data value. The third data voucher open request is generated when the second account responds to the offer request for issuance.

Step S71, in response to the request, locking the second predetermined data value in the second account to generate a third data credential.

Further, the third server further sends the third data credential information to the second server associated with the first account, and requests the second server to verify the third data credential according to the third data credential information.

Further, the third server unlocks the second predetermined data value in response to the third request; unlocks the second predetermined data value in response to the fourth request and transmits the second predetermined data value to the second server associated with the first account And adding the second predetermined data value to the first account.

The third request is generated when the second account accepts the target according to the agreement; the fourth request is generated when the first server determines that the device corresponding to the second account does not accept the target according to the agreement.

FIG. 8 is a schematic structural diagram of a server according to a first embodiment of the present invention. The server 80 includes a communication module 81, a second data credential generation module 82, and an execution module 83. In the present embodiment, the server 80 is a second server.

The communication module 81 is configured to receive a second data credential open request sent by the first server. The second data credential open request is sent when the first server generates the first data credential associated with the target, or the first server sends the first data credential to the second account according to the agreement. The second data voucher open request includes a first predetermined data value.

The second data credential generating module 82 is configured to generate a second data credential in response to the second data credential opening request to lock the first predetermined data value in the first account. The second data voucher is configured to add the first predetermined data value to the second account when the device corresponding to the first account does not send the target to the second account according to the agreement.

The execution module 83 is configured to unlock the first predetermined data value in response to the first request; and further configured to unlock the first predetermined data value and send the first predetermined data value to the second account associated with the second account in response to the second request The third server increases the first predetermined data value into the second account.

FIG. 9 is a schematic structural diagram of a server according to a second embodiment of the present invention. The server 90 includes a communication module 91, a third data credential generation module 92, and an execution module 93. In the present embodiment, the server 90 is a third server.

The communication module 91 is configured to receive a third data credential open request sent by the device corresponding to the second account when receiving the first data credential sent by the first server according to the agreement.

The third data credential generation module module 92 is configured to lock the second predetermined data value in the second account to generate the third data credential in response to the request. The third data voucher is configured to add the second predetermined data value to the first account when the device corresponding to the second account does not accept the target sent by the device corresponding to the first account.

In an embodiment, the first account provides a second data credential that locks the first predetermined data value, and the second account also provides a third data credential that locks the second predetermined data value to interact with the target/data Both are constrained. In other embodiments, the second data voucher may also be provided only by the first account, or the third data voucher may be provided only by the second account, and accordingly only the first account or the second account of the target/data interaction is constrained.

The executing module 93 is configured to unlock the second predetermined data value in response to the third request; and further configured to unlock the second predetermined data value in response to the fourth request and send the second predetermined data value to the first account associated with the first account And a second server to add the second predetermined data value to the first account.

FIG. 10 is a schematic structural diagram of a terminal device according to a first embodiment of the present invention. The terminal device 100 in this embodiment is a second server. The terminal device 100 includes a receiver 101, a processor 102, a transmitter 103, a read only memory 104, a random access memory 105, and a bus 106.

The receiver 101 is for receiving data.

The processor 102 controls the operation of the terminal device 100, and the processor 102 can also become a CPU (Central Processing Unit, central processing unit). The processor 102 may be an integrated circuit chip with signal processing capabilities. The processor 102 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.

The transmitter 103 is for transmitting data.

The memory can include read only memory 104 and random access memory 105 and provides instructions and data to processor 102. A portion of the memory may also include non-volatile random access memory (NVRAM).

The various components of the terminal device 100 are coupled together via a bus 106, wherein the bus 106 can 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 106 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 102 performs the following operations by calling an operation instruction stored in the memory, which can be stored in the operating system:

Receiving a second data credential open request issued by the first server. The second data credential open request is sent when the first server generates the first data credential associated with the target, or the first server sends the first data credential to the second account according to the agreement. The second data voucher open request includes a first predetermined data value. as well as

Generating a second data credential in response to the second data credential open request to lock the first predetermined data value in the first account. The second data voucher is configured to add the first predetermined data value to the second account when the device corresponding to the first account does not send the target to the second account according to the agreement.

Optionally, the processor 102 is further configured to: unlock the first predetermined data value in response to the first request; unlock the first predetermined data value in response to the second request, and send the first predetermined data value to the second A third server associated with the account to add the first predetermined data value to the second account.

FIG. 11 is a schematic structural diagram of a terminal device according to a second embodiment of the present invention. The terminal device 110 in this embodiment is a third server. The terminal device 110 includes a receiver 111, a processor 112, a transmitter 113, a read only memory 114, a random access memory 115, and a bus 116.

The receiver 111 is for receiving data.

The processor 112 controls the operation of the terminal device 110, and the processor 112 can also become a CPU (Central Processing Unit, central processing unit). The processor 112 may be an integrated circuit chip with signal processing capabilities. The processor 112 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.

The transmitter 113 is for transmitting data.

The memory can include read only memory 114 and random access memory 115 and provide instructions and data to processor 112. A portion of the memory may also include non-volatile random access memory (NVRAM).

The various components of the terminal device 110 are coupled together by a bus 116. The bus 116 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 116 in the figure.

In the embodiment of the present invention, the processor 112 performs the following operations by calling an operation instruction stored in the memory, which can be stored in the operating system:

Receiving a third data credential open request sent by the device corresponding to the second account when receiving the first data credential sent by the first server according to the agreement. The first data voucher includes a solicitation request, and the solicitation request includes a second predetermined data value. The third data voucher open request is generated when the second account responds to the offer request for issuance.

The second predetermined data value in the second account is locked in response to the request to generate the third data credential. The third data voucher is configured to add the second predetermined data value to the first account when the device corresponding to the second account does not accept the target sent by the device corresponding to the first account.

Further, the third data credential information is sent to the second server associated with the first account, and the second server is requested to verify the third data credential according to the third data credential information.

Optionally, the processor 112 is further configured to: unlock the second predetermined data value in response to the third request; unlock the second predetermined data value in response to the fourth request, and send the second predetermined data value to the first A second server associated with the account to add the second predetermined data value to the first account.

FIG. 12 is a schematic flowchart diagram of an online transaction method according to a first embodiment of the present invention. The method flow shown in the implementation manner includes:

In step S120, the first server generates an electronic commitment voucher.

The electronic commitment voucher is a network electronic document that integrates the essential functions of the target commodity/service e-commerce.

Step S121: The device corresponding to the second account receives the electronic commitment voucher according to the agreement to obtain the first electronic voucher information.

The first electronic voucher information is stored in the electronic commitment voucher and includes at least a first predetermined amount of the first account. The first electronic voucher is generated by the second server freezing the first predetermined amount of funds in the first account, for when the first account does not provide the target goods/services to the second account according to the agreement, The first predetermined amount of funds is transferred to the second account.

In an embodiment, the first electronic credential is requested by the first server to generate the electronic commitment voucher while the first e-voucher is generated.

In another embodiment, after the first electronic certificate is generated by the first server, the device corresponding to the second account is generated before receiving the electronic commitment voucher according to the agreement.

Specifically, the agreement described in step S121 may include a predetermined time, a transaction amount of the target item/service, a transaction rule, and the like. The information of the first electronic voucher includes at least a size of the first predetermined amount, and may further include information of an expiration date, a status parameter, and an electronic commitment voucher. In the present embodiment, the electronic commitment voucher information may be a voucher number, an amount of the target item, or the like.

Further, the device corresponding to the second account further requests the third server to verify the first electronic voucher according to the first electronic voucher information. The third server verifies the first electronic voucher according to the first electronic voucher information, specifically: the third server verifies whether the information of the first electronic voucher meets a predetermined requirement, for example, verifying whether the validity period of the first electronic voucher has passed, or its status Whether the parameter is identifiable. Further, after verifying that the information of the first electronic voucher meets the predetermined requirement, the third server further modifies the state parameter in the information of the first electronic voucher as the received certificate, and sends the modified first electronic voucher information to the second server. . After receiving the modified first electronic voucher information, the second server modifies the original first electronic voucher information stored by the second server according to the modified content. Further, the method further includes the following steps:

Step S122, the first server determines whether the second account generates a request to reject the target/commodity according to the agreement. If yes, go to step S123, otherwise, go to step S124.

Step S123, requesting the second server to thaw the funds of the first predetermined amount.

Step S124, the first server determines whether the first account provides the target/commodity to the second account according to the agreement. If yes, go to step S125, otherwise, go to step S126.

Step S125, the first server requests the second server to thaw the funds of the first predetermined amount. Then the process ends.

Step S126, the first server asks the second server to unfreeze the first predetermined amount of funds and transfer the funds to the third server to transfer the funds to the second account. Then the process ends.

Further, in an embodiment, the first account provides a first electronic voucher that freezes the first predetermined amount, and the second account also provides a second electronic voucher that freezes the second predetermined amount to perform on both sides of the transaction. constraint.

Specifically, the second account sends a second electronic credential open request to the third server, and the third server, in response to the request, freezes the second predetermined amount of funds in the second account to generate the second electronic credential, and the second electronic The information of the voucher is sent to the second server to request the second server to verify the second electronic voucher according to the information of the second electronic voucher. The second electronic voucher is configured to transfer the second predetermined amount of funds to the first account when the second account does not accept the target goods/services sent by the first account according to the agreement. And, the electronic commitment voucher includes an invitation to issue a certificate, and the invitation to issue the certificate includes a second predetermined amount. The second electronic voucher opening request is generated when the second account responds to the invitation to issue a certificate. Specifically, the second account applies to the third server to open the second electronic voucher according to the offer opening information included in the electronic commitment voucher. That is, the first account records the solicitation request in advance in the electronic commitment voucher. The invitation to open the certificate includes information such as the amount of the issuance, the period of validity, the bank that receives the certificate, and the account number of the certificate. After the second account obtains the invitation for the issuance of the certificate, it can be directly sent to the third server, and there is no need to fill in the content of the certificate. The second server information is included in the invitation requesting certificate, and the third server can directly send the certificate to the second server after the certificate is issued, and the second account is not required to be forwarded to the first account, and the first account is not required to be re-applied. certificate.

Further, in a case where the first account provides a first electronic voucher that freezes the first predetermined amount, and the second account also provides a second electronic voucher that freezes the second predetermined amount, the first server determines that the second account generates a rejection according to When agreeing to accept the target/commodity request, the first server requests the second server to unfreeze the first predetermined amount of funds, and requests the third server to unfreeze the second predetermined amount of funds, and transfers the second predetermined amount of funds to the second server. To transfer the second predetermined amount of funds to the first account. When the first server determines that the second account does not generate a request to reject the target/commodity according to the agreement, the first server requests the third server to unfreeze the second predetermined amount of funds. Moreover, when the first server simultaneously determines that the first account provides the target/commodity to the second account according to the agreement, the first server requests the second server to unfreeze the first predetermined amount of funds. Otherwise, the first server requests the second server to thaw the first predetermined amount of funds, and transfers the first predetermined amount of funds to the third server to increase the first predetermined amount of funds into the second account.

Further, when it is determined that the first account sends the target/item to the second account according to the agreement, the third server determines whether the amount of the unfrozen funds in the second account is not less than the target/commodity Amount: If yes, the funds equal to the amount of the target/commodity are transferred to the second server, and the funds are transferred to the first account; otherwise, the second predetermined amount of funds is thawed, and the target is The funds of the same amount of goods are transferred to the second server, and the funds are transferred to the first account.

Further, the second account cancels the transaction by submitting a request for returning the electronic commitment voucher to the first server, or by submitting a refund request to the third server, and further, when the third server pays the payment by the electronic voucher The refund request may be a request to withdraw the electronic voucher.

Further, the first server may directly send information to the third server that the first account has been sent to the second account according to the agreement, or may entrust a third party (such as a logistics company, a tenure registration authority, etc.) to send the information. .

Of course, in other embodiments, the second data voucher may be provided only by the first account, or the third data voucher may be provided only by the second account, and correspondingly only the first account or the second account of the target/data interaction is performed. constraint.

FIG. 13 is a schematic flowchart diagram of an online transaction method according to a second embodiment of the present invention. The method flow shown in the implementation manner includes:

Step S130, the first server generates an electronic commitment voucher.

Among them, the electronic commitment voucher is a network electronic document that integrates the necessary functions of the target goods/services e-commerce.

Step S131, the second account receives the electronic commitment voucher according to the agreement, and sends a second electronic voucher opening request to the third server.

The electronic commitment voucher includes an invitation to issue a certificate, and the invitation to issue the certificate includes a second predetermined amount. The second electronic voucher opening request is generated when the second account responds to the invitation to issue a certificate.

Step S132, the third server, in response to the second electronic voucher opening request, freezes the second predetermined amount of funds in the second account to generate a second electronic voucher, and transmits the information of the second electronic voucher to the second server.

The second electronic voucher is configured to add the second predetermined amount of funds to the first account when the second account does not accept the target goods/services provided by the first account according to the agreement.

In the above solution, the electronic voucher is accompanied by an electronic voucher for the deposit of the first account and/or the second account. When either party fails to perform the agreement, the deposit is released to the other party to ensure the performance of the transaction and Guarantee the interests of both parties. Further, the deposit does not need to be paid to the other party in advance, nor does it need to be handed over to a third party for custody, thereby avoiding the situation that the payer cannot recover the deposit after the performance of the contract, thereby ensuring the fair rights and interests of both parties to the network and promoting the development of e-commerce.

In the above-described embodiments, the present invention has been exemplarily described, and various modifications of the present invention may be made without departing from the spirit and scope of the invention.

Claims

A data interaction processing method, wherein the method comprises:

The first server generates a first data credential associated with the target;

Receiving, by the device corresponding to the second account, the first data voucher according to the agreement to obtain the second data voucher information;

The second data credential information is stored in the first data credential, and includes at least a first predetermined data value in the first account; the second data credential is a second server locking the first account. And generating, by the first predetermined data value, when the device corresponding to the first account does not send the target to the device corresponding to the second account according to the agreement, adding the first predetermined data value to In the second account.
The data interaction processing method according to claim 1, wherein the second data voucher is requested by the first server while the first server generates the first data voucher, or in the After the server generates the first data credential, the device corresponding to the second account is generated before receiving the first data credential according to the contract.
The data interaction processing method according to claim 1, wherein the method further comprises:

Determining, by the first server, whether the second account generates a request to reject the target according to the agreement;

When it is determined that the second account generates the request, the first server requests the second server to unlock the first predetermined data value; otherwise, the first server determines whether the device corresponding to the first account is Sending the target to the device corresponding to the second account according to the agreement;

When it is determined that the device corresponding to the first account sends the target to the device corresponding to the second account according to the agreement, the first server requests the second server to unlock the first predetermined data value; Otherwise, the first server requests the second server to unlock the first predetermined data value and send the first predetermined data value to the third server to increase the first predetermined data value to the In the second account.
The data interaction processing method according to claim 1, wherein the method further comprises:

The device corresponding to the second account sends a third data credential open request to the third server, where the first data credential includes an offer request for issuance, and the solicitation request includes a second predetermined data value; The third data credential open request is generated when the device corresponding to the second account responds to the offer request for issuance;

The third server responds to the third data credential open request to lock the second predetermined data value to generate the third data credential, and send the information of the third data credential to the second server; The third data voucher is configured to: when the device corresponding to the second account does not accept the target sent by the device corresponding to the first account according to the agreement, increase the second predetermined data value to In the first account.
The data interaction processing method according to claim 4, wherein the method further comprises:

Determining, by the first server, whether the second account generates a request to reject the target according to the agreement;

When it is determined that the second account generates the request, the first server requests the second server to unlock the first predetermined data value, and requests the third server to unlock the second predetermined data value, and Transmitting the second predetermined data value to the second server to add the second predetermined data value to the first account; otherwise, the first server requests the third server to unlock the a second predetermined data value, and determining whether the device corresponding to the first account sends the target to the device corresponding to the second account according to the agreement;

When it is determined that the device corresponding to the first account sends the target to the device corresponding to the second account according to the agreement, the first server requests the second server to unlock the first predetermined data value; Otherwise, the first server requests the second server to unlock the first predetermined data value, and sends the first predetermined data value to the third server to increase the first predetermined data value to In the second account.
The data interaction processing method according to claim 4 or 5, wherein the second predetermined data value includes a first sub-data value and a second sub-data value, and the device corresponding to the second account does not follow the agreement When accepting the target sent by the device corresponding to the first account, the first sub-data value is added to the first account.
The data interaction processing method according to claim 6, wherein when the device corresponding to the first account is determined to send the target to the device corresponding to the second account according to the agreement, the method further includes:

Determining, by the third server, whether the data value that is not locked in the second account is not less than a data value of the target;

And when the unlocked data value is not less than the data value of the target, the third server sends the data value of the target to the second server, and increases the data value of the target to the first In the account; otherwise, the third server unlocks the second predetermined data value, and sends the data value of the target to the second server, adding the data value of the target to the first account .
A data interaction processing method, wherein the method comprises:

The first server generates a first data credential associated with the target;

Receiving, by the device corresponding to the second account, the first data voucher according to the agreement, and sending a third data voucher open request to the third server; wherein the first data voucher includes an offer request for issuance, the solicitation request Include a second predetermined data value; the third data voucher open request is generated by a device corresponding to the second account in response to the offer request; and

The third server, in response to the third data credential open request, locks the second predetermined data value in the second account to generate the third data credential, and sends the information of the third data credential to The second server; wherein the third data voucher is configured to: when the device corresponding to the second account does not accept the target sent by the device corresponding to the first account according to the agreement; The predetermined data value is added to the first account.
The data interaction processing method according to claim 8, wherein the method further comprises:

Determining, by the first server, whether the second account generates a request to reject the target according to the agreement;

When it is determined that the second account generates the request, the first server requests the third server to unlock the second predetermined data value, and sends the second predetermined data value to the second server, The second predetermined data value is added to the first account; otherwise, the first server requests the third server to unlock the second predetermined data value.
A data interaction processing method is applied to a second server, where the method includes:

Receiving, by the second server, a second data credential open request sent by the first server, where the second data credential open request is sent when the first server generates the first data credential associated with the target, or Transmitting, when the first server sends the first data credential to the second account according to the convention; the second data credential opening request includes the first predetermined data value;

Generating the second data credential in response to the second data credential open request to lock the first predetermined data value in the first account; wherein the second data credential is for use in the first account When the device does not send the target to the second account according to the agreement, the first predetermined data value is added to the second account.
A data interaction processing method is applied to a third server, where the method includes:

Receiving, by the third server, a third data credential opening request sent by the device corresponding to the second account when receiving the first data credential sent by the first server according to the agreement; wherein the first data credential includes an invitation to issue a certificate, where The request for the issuance of the certificate includes a second predetermined data value; the third data voucher opening request is generated by the second account in response to the solicitation request;

Responding to the request to lock the second predetermined data value in the second account to generate the third data credential; wherein the third data credential is used by the device corresponding to the second account not according to the The second predetermined data value is added to the first account when the agreement is accepted by the device corresponding to the device corresponding to the first account.
A server, wherein the server comprises:

a communication module, configured to receive a second data credential open request sent by the first server, where the second data credential open request is sent when the first server generates a first data credential associated with the target, or The first server sends the first data voucher to the second account according to the agreement; the second data voucher open request includes the first predetermined data value;

a second data credential generating module, configured to generate the second data credential in response to the second data credential opening request to lock the first predetermined data value in the first account;

An execution module, configured to unlock the first predetermined data value in response to the first request; further configured to unlock the first predetermined data value and send the first predetermined data value to the second account in response to the second request An associated third server to add the first predetermined data value to the second account; wherein the first request determines, for the first server, that the device corresponding to the first account is in accordance with the agreement Generating the target to the device corresponding to the second account; the second requesting that the first server determines that the device corresponding to the first account does not send the target to the first according to the agreement Generated when the device corresponding to the second account.
A server, wherein the server comprises:

a communication module, configured to receive a third data credential open request sent by the device corresponding to the second account when receiving the first data credential sent by the first server according to the agreement; wherein the first data credential includes an offer request for issuance The request for the issuance of the certificate includes a second predetermined data value; the third data voucher opening request is generated by the second account in response to the request for the issuance of the certificate;

a third data credential generating module, configured to lock the second predetermined data value in the second account to generate the third data credential in response to the request;

An execution module, configured to unlock the second predetermined data value in response to the third request; further configured to unlock the second predetermined data value and send the second predetermined data value to the first account in response to the fourth request An associated second server to add the second predetermined data value to the first account; wherein the third request is generated when the second account accepts the target according to the agreement; The fourth request is generated when the first server determines that the device corresponding to the second account does not accept the target according to the agreement.
A terminal device, wherein the device includes:

One or more processors;

Memory

Multiple applications; and

One or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs comprising instructions Used for:

Receiving, by the second server, a second data credential open request sent by the first server, where the second data credential open request is sent when the first server generates the first data credential associated with the target, or Transmitting, when the first server sends the first data credential to the second account according to the convention; the second data credential opening request includes the first predetermined data value;

Generating the second data credential in response to the second data credential open request to lock the first predetermined data value in the first account; wherein the second data credential is for use in the first account When the device does not send the target to the second account according to the agreement, the first predetermined data value is added to the second account.
A terminal device, wherein the device includes:

One or more processors;

Memory

Multiple applications; and

One or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs comprising instructions Used for:

Receiving, by the third server, a third data credential opening request sent by the device corresponding to the second account when receiving the first data credential sent by the first server according to the agreement; wherein the first data credential includes an invitation to issue a certificate, where The request for the issuance of the certificate includes a second predetermined data value; the third data voucher opening request is generated by the second account in response to the solicitation request;

Responding to the request to lock the second predetermined data value in the second account to generate the third data credential; wherein the third data credential is used by the device corresponding to the second account not according to the The second predetermined data value is added to the first account when the agreement is accepted by the device corresponding to the device corresponding to the first account.
An online transaction method, wherein the method comprises:

The first server generates an electronic commitment voucher; wherein the electronic commitment voucher is a network electronic document that integrates a necessary function of the target commodity/service e-commerce;

Receiving, by the device corresponding to the second account, the electronic commitment voucher according to the agreement to obtain the first electronic voucher information;

The first electronic voucher information is stored in the electronic commitment voucher, and includes at least a first predetermined amount of the first account; the first electronic voucher is a second server that freezes the first account in the first account Generating a predetermined amount of funds for transferring the first predetermined amount of funds to the second when the first account fails to provide the second item to the target item/service according to the agreement In the account.
The online transaction method of claim 16, wherein the method further comprises:

Determining, by the first server, whether the second account generates a request to reject the target/commodity according to the agreement;

When it is determined that the second account generates the request, the first server requests the second server to thaw the first predetermined amount of funds; otherwise, the first server determines whether the first account is in accordance with Said to provide said target/goods to said second account;

When it is determined that the first account provides the target/commodity to the second account according to the agreement, the first server requests the second server to thaw the first predetermined amount of funds; otherwise, The first server requests the second server to unfreeze the first predetermined amount of funds and transfer the funds to the third server to transfer the first predetermined amount of funds into the second account.
The online transaction method of claim 16, wherein the method further comprises:

Sending, by the second account, a second electronic voucher open request to the third server, where the electronic commitment voucher includes an offer opening request, where the offer open request includes a second predetermined amount; the second electronic a voucher open request generated by the second account in response to the solicitation request; and

The third server, in response to the second electronic voucher open request, freezes the second predetermined amount of funds to generate the second electronic voucher, and transmits information of the second electronic voucher to the second server Wherein the second electronic voucher is configured to transfer the second predetermined amount of funds to the second account when the second account does not accept the target goods/services provided by the first account according to the agreement In the first account.
The online transaction method of claim 18, wherein the method further comprises:

Determining, by the first server, whether the second account generates a request to reject the target/commodity according to the agreement;

When it is determined that the second account generates the request, the first server requests the second server to thaw the first predetermined amount of funds, and requests the third server to thaw the second predetermined amount of funds And transferring the second predetermined amount of funds to the second server to transfer the second predetermined amount of funds to the first account; otherwise, the first server requests the third Determining, by the server, the funds of the second predetermined amount, and determining whether the first account provides the target/goods to the second account according to the agreement;

When it is determined that the first account provides the target/commodity to the second account according to the agreement, the first server requests the second server to thaw the first predetermined amount of funds; otherwise, Determining, by the first server, the second server to thaw the first predetermined amount of funds, and transferring the first predetermined amount of funds to the third server to increase the first predetermined amount of funds to In the second account.
An online transaction method, wherein the method comprises:

The first server generates an electronic commitment voucher; wherein the electronic commitment voucher is a network electronic document that integrates a necessary function of the target commodity/service e-commerce;

Receiving, by the second account, the electronic commitment voucher according to the agreement, and sending a second electronic voucher opening request to the third server; wherein the electronic commitment voucher includes an offer opening request, where the offer opening request includes a second predetermined amount The second electronic voucher open request is generated by the second account in response to the solicitation request;

The third server, in response to the second electronic voucher open request, freezes the second predetermined amount of funds in the second account to generate the second electronic voucher, and sends the information of the second electronic voucher To the second server; wherein the second electronic voucher is to use the second predetermined amount when the second account does not accept the target goods/services provided by the first account according to the agreement The funds are added to the first account.