WO2017152400A1

WO2017152400A1 - Data processing method and apparatus

Info

Publication number: WO2017152400A1
Application number: PCT/CN2016/075994
Authority: WO
Inventors: 张毅
Original assignee: 深圳市星电商科技有限公司
Priority date: 2016-03-09
Filing date: 2016-03-09
Publication date: 2017-09-14
Also published as: CA3024766A1; CA3113522A1

Abstract

A data processing method and apparatus. The method is applied to a server and comprises the following steps: a terminal acquiring a first sub-file of a source file (S101); the terminal sending to a server an acquisition request for acquiring a second sub-file of the source file according to the first sub-file (S102); the server receiving the acquisition request (S103); the server sending the second sub-file of the source file to the terminal according to the acquisition request (S104); and the terminal receiving the second sub-file of the source file (S105). Thus, by providing a source file that lacks a second sub-file, and sending the second sub-file according to a request of the receiver of the source file only after a receiver of the source file receives a first sub-file of the source file, during the period from an issuer generating the source file to the receiver acquiring the second sub-file of the source file, a capital resource of the source file is not frozen in the resource file, but still in the issuer's account, and the capital resource can be used continuously flexibly, thereby effectively improving the utilization efficiency of resources.

Description

Title of Invention: Data Processing Method and Apparatus

Technical field

[0001] The present invention relates to the field of electronic information technology, and in particular, to a data processing method and apparatus.

Background technique

[0002] With the rapid development of the Internet, a wave of electronic red packets has emerged on the Internet. The current red envelope is issued as follows: First, the red envelope is filled with a certain amount of funds to generate a red envelope, and then the red envelope receiver receives the red envelope. Finally, the red envelope recipient receives the red envelope and receives the red envelope for the medium amount of funds. During the period when the issuer generates the red envelope and the recipient receives the red envelope, the funds charged in the red envelope are frozen and cannot be used again. As a result, the red envelope issuer has a large amount of funds that are frozen and idle, and cannot be effectively utilized, which seriously affects the utilization efficiency of resources. Peer-to-peer affects the flexibility of the terminal to send and receive resources.

technical problem

[0003] A main object of the present invention is to provide a data processing method and apparatus, which are directed to solving the above technical problems, improving resource utilization efficiency, and improving flexibility of a terminal to transmit and receive resources.

Problem solution

Technical solution

[0004] In order to achieve the above object, the present invention provides a data processing method applied to a terminal, the method comprising the following steps:

[0005] obtaining a first subfile of the resource file;

[0006] sending, according to the first subfile, an acquisition request for acquiring a second subfile of the resource file to a server

Receiving a second subfile of the resource file sent by the server according to the acquisition request.

The present invention also provides a data processing method applied to a server, where the method includes the following steps: [0009] sending a first subfile of a resource file to a terminal;

Receiving, by the terminal, an acquisition request for acquiring a second subfile of the resource file according to the first subfile of the resource file;

[0011] transmitting, according to the obtaining request, the second of the resource file to an account of the terminal or the terminal user sub file.

[0012] The present invention provides a data processing apparatus applied to a terminal, where the apparatus includes:

[0013] an obtaining module, configured to acquire a first subfile of the resource file;

[0014] the requesting module is configured to send, according to the first subfile, an acquisition request for acquiring a second subfile of the resource file to the server;

[0015] The receiving module is configured to receive a second subfile of the resource file sent by the server according to the obtaining request.

[0016] The present invention also provides a data processing apparatus applied to a server, the apparatus comprising:

[0017] a resource file sending module, configured to send a first subfile of the resource file to the terminal;

[0018] The acquisition request receiving module is configured to receive an acquisition request of the second sub-file for acquiring the resource file sent by the terminal according to the first sub-file;

And [0019] the processing module is configured to send, according to the obtaining request, a second subfile of the resource file to an account of the terminal or the terminal user.

[0020] The present invention also provides a data processing method, including the following steps:

[0021] the first bank server generates an electronic red envelope according to the user request of the first terminal, and sends the envelope of the electronic red envelope to the second terminal;

[0022] the second terminal sends a request for obtaining a silver credit to the second bank server according to the envelope of the electronic red envelope;

[0023] the first bank server receives the request for acquiring the silver credit card forwarded by the second bank server, and freezes the amount of the corresponding electronic red envelope in the bank account of the first terminal user according to the request to generate silver Lettering, and transmitting the silver credit to the second bank server;

[0024] the second terminal receives the silver credential sent by the second bank server, and sends a withdrawal request for the electronic red envelope to the second bank server according to the silver credential;

[0025] the second bank server notifies the first bank server to unfreeze the frozen amount in the bank account of the first terminal user according to the withdrawal request, and the bank account of the first terminal user is The amount corresponding to the electronic red envelope is transferred to the bank account of the second terminal user.

Advantageous effects of the invention

Beneficial effect [0026] A data processing method provided by the present invention, by setting a resource file lacking a second subfile, only when the resource file receiver receives the first subfile of the resource file, is received according to the resource file. The party's request sends a second subfile, so that the issuer generates the resource file until the receiver obtains the second subfile of the resource file, the resource resource of the resource file is not frozen in the resource file, but is still in the issuer's In the account, the funds can continue to be used flexibly, thereby effectively avoiding the generation of resource files, the resources are frozen, and the resources are not thawed until the resources are received, thereby effectively improving the utilization efficiency of resources, and improving the terminal transmission. And the flexibility of receiving resources.

Brief description of the drawing

DRAWINGS

1 is a flowchart of a data processing method according to a first embodiment of the present invention;

2 is a flowchart of a data processing method applied to a terminal according to a first embodiment of the present invention;

3 is a flowchart of a data processing method applied to a server according to a first embodiment of the present invention;

4 is a flowchart of a data processing method according to a second embodiment of the present invention;

5 is a flowchart of a data processing method applied to a terminal according to a second embodiment of the present invention;

6 is a flowchart of a data processing method applied to a server according to a second embodiment of the present invention;

7 is a flowchart of a data processing method according to a third embodiment of the present invention;

8 is a flowchart of a data processing method applied to a terminal according to a third embodiment of the present invention;

9 is a flowchart of a data processing method according to a fourth embodiment of the present invention;

10 is a flowchart of a data processing method applied to a terminal according to a fourth embodiment of the present invention;

11 is a flowchart of a data processing method according to a fifth embodiment of the present invention;

12 is a schematic diagram of information exchange of an electronic red envelope according to an embodiment of the present invention;

13 is a schematic diagram of information interaction of each subject based on an electronic red envelope according to an embodiment of the present invention;

[0040] FIG. 14 is an information interaction diagram of an electronic red envelope in the prior art;

[0041] FIG. 15 is a schematic diagram of information interaction of each subject based on an electronic red envelope in the prior art;

16 is a schematic diagram of still another information interaction of each subject based on an electronic red envelope according to an embodiment of the present invention;

17 is a block diagram showing a data processing system of a sixth embodiment of the present invention;

18 is a block diagram of a server of the data processing system of FIG. 17;

19 is a block diagram showing a data processing apparatus applied to a terminal according to a seventh embodiment of the present invention; 20 is a block diagram of a request module of the data processing apparatus of FIG. 19;

21 is a block diagram showing a data processing apparatus applied to a server according to an eighth embodiment of the present invention.

[0048] The implementation, functional features, and advantages of the present invention will be further described with reference to the accompanying drawings.

Embodiments of the invention

The specific embodiments described herein are intended to be illustrative only and not to limit the invention. It is understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

[0050] In the embodiment of the present invention, the resource file refers to an electronic file capable of distributing resources on the network, where the resource file includes a first subfile and a second subfile disposed in the first subfile, where the first file is usually provided. The second sub-file includes the resources of the resource file. For example, the red envelope electronic file is a typical resource file. The red envelope electronic file can be used to issue financial resources such as electronic voucher and electronic coupon. The red envelope electronic file usually includes an envelope (ie, the first subfile) and the content set in the envelope. The object (ie, the second sub-file), the envelope is usually provided with a seal, and the seal on the cover can obtain the content, which is a resource such as an electronic voucher and an electronic coupon. Electronic vouchers include silver letters, physical evidence or other electronic vouchers. Electronic coupons can be coupons, discount coupons, group coupons, redemption coupons, vouchers, and the like.

[0051] wherein, the bank credit certificate refers to an electronic credit certificate with a payment function generated by a resource management institution (such as a bank) according to the application of the witness to freeze the credit limit or a certain amount of funds in the account; After receiving the electronic voucher, the resource management institution binds the electronic voucher to the certificate holder to complete the receipt. After the certificate is received, the certificate holder can apply for withdrawal, and after receiving the withdrawal request, the collection institution (such as the collection bank) and the certification institution ( If the bank transfers funds, the recipient can get the funds that the witnesses have frozen through the electronic certificate. In the bank version of the electronic red envelope (ie, the red envelope electronic file) scenario, the witness is applying to the bank for an electronic red envelope. After receiving the electronic red envelope, the user enters his bank account information at the recipient of the bank letter and applies to the bank for the receipt. The bank transfers the funds to the collection account within the agreed time.

[0052] The business process of the bank letter is as follows:

[0053] 1.1. The witnesses apply for a testimony from the bank through the Internet or in other ways;

[0054] 1.2, the bank confirms the identity of the bank, the account information is accepted, the audit confirms the conditions of the certificate, and freezes After the payment of funds, a bank letter will be issued;

[0055] 1.3, the recipient through the Internet or other means to the collection bank to apply for a certificate;

[0056] 1.4, the receiving bank confirms the identity, the account information is accepted, and the acceptance is received (or according to the setting of the recipient, the collection bank automatically receives the certificate);

[0057] 1.5. After the certificate holder fulfills the basic transaction obligation under the bank letter, submit the performance information (usually used in the e-commerce field, the certificate holder is the merchant, after fulfilling the delivery obligation, submit the delivery information, in the field of electronic red envelopes) Since the witness is transferred to the recipient free of charge, there is no need to perform the trading obligation);

[0058] 1.6, the recipient or the designated third party will send the application to send the information to the bank to apply for settlement (in the field of electronic red envelopes, the recipient will automatically apply for payment after completing the receipt);

[0059] 1.7. The bank will release the bank letter and transfer the funds to the receiving bank, and the receiving bank will transfer the funds to the receiving account.

[0060] A physical evidence is a documented transaction information record voucher, and is a standardized, generalized network electronic document that records and disseminates information on goods (including services). The material certificate integrates all the necessary skills for e-commerce. Once triggered, the preset process can be started. For example, the supplier shipment, logistics and distribution, bank card payment, etc. will be started according to the preset program and transaction rules. Process. The physical evidence can be distributed, transferred and traded across the entire domain. The physical evidence includes at least an item attribute having a name and an amount and settlement information having at least one account. The material certificate is provided by the product supplier, and the collection account is the product supplier account. When the content of the resource file is a physical evidence card, it may be a physical information certificate provided by the merchant with a preferential price or a price of zero (ie, free gift), and the user may use the purchase function of the physical information certificate to be lower. The price completes the purchase of the item.

[0061] The resource file described in the embodiment of the present invention is different from the traditional resource file in that the resource file of the present application lacks the second subfile. Taking a red envelope electronic file as an example, a conventional red envelope electronic file includes an envelope (first sub-file) and a content (second sub-file) accommodated in the envelope. The red envelope electronic file in the embodiment of the present invention includes only an envelope, and the envelope No stuff was inserted. That is to say, in the embodiment of the present invention, after generating the red envelope electronic file, the content is not immediately inserted into the envelope as in the prior art, but after the receiving end receives the red envelope electronic file, according to the request of the receiving end, The receiving party sends the content, so that the issuing party generates the red envelope electronic file until the receiving party obtains the content, the funds resource of the red packet electronic file is not frozen in the red envelope electronic file, but is still in the issuing party's account, Live use, thereby improving the efficiency of resource utilization.

[0062] The resource file in the embodiment of the present invention is preferably a resource management institution bound to the enterprise (or merchant)

(such as a bank) application, generated by the resource management agency's resource file generator. The generated resource file usually consists of two parts: the first subfile and the second subfile. The first sub-file includes a cover and a seal, and the second sub-file (electronic voucher, e-voucher, etc.) can be obtained by sealing the snore. After the enterprise generates the resource file, it can set different snoring conditions on the seal, and can satisfy the condition of the smashing seal, and then obtain the second sub-file. For example, each word set to click on the corporate slogan is used to satisfy the corporate's promotional needs.

Embodiment 1

[0064] In this embodiment, the second subfile of the resource file includes an electronic coupon.

[0065] Referring to FIG. 1, a data processing method according to a first embodiment of the present invention is proposed. The method includes the following steps:

[0066] S101. The terminal acquires a first subfile of the resource file.

[0067] In the embodiment of the present invention, the issuer generates the resource file, only the first subfile, but does not set the second subfile in the first subfile, and the first subfile includes a cover and a seal. The server sends the first sub-file of the resource file to the terminal. After the terminal obtains the resource file sent by the issuer, the terminal obtains only the first sub-file, that is, the resource file that does not carry the second sub-file.

[0068] S102. The terminal sends, to the server, an acquisition request for acquiring a second subfile of the resource file according to the first subfile.

[0069] Specifically, the terminal generates an acquisition request for acquiring a second subfile of the resource file according to an operation of the user, such as an operation of clicking a cover or a seal of the first subfile of the resource file or other operations, and sending the acquisition to the server. request.

[0070] S103. The server receives the acquisition request.

[0071] The server may be a server of an enterprise or a merchant, or may be a server of a resource management institution (such as a bank) bound by an enterprise or a merchant.

[0072] S104. The server sends the second subfile of the resource file to the terminal according to the acquisition request.

[0073] Specifically, the server obtains the terminal information and the resource file information according to the acquisition request, and accordingly sends the second subfile of the resource file to the terminal. The resource quota of the second subfile is determined according to a preset rule, which is set by the generated resource file, if some resource files are quotad, and some resource files are random. Generate a quota.

[0074] S105. The terminal receives the second subfile of the resource file.

[0075] The terminal receives the second subfile of the resource file, and successfully acquires the second subfile of the resource file.

[0076] Optionally, the server may also send the second subfile of the resource file to the account of the terminal user, for example: the server directly registers the second subfile of the resource file under the account of the end user, or the second sub The file is bound to the end user's account.

[0077] Referring to FIG. 2, a data processing method applied to a terminal according to a first embodiment of the present invention is proposed, and the method includes the following steps:

[0078] S101. Acquire a first subfile of the resource file.

[0079] S102. Send an acquisition request for acquiring a second subfile of the resource file to the server according to the first subfile.

[0080] S105. Receive a second subfile of the resource file sent by the server according to the acquisition request.

Referring to FIG. 3, a data processing method applied to a server according to a first embodiment of the present invention is proposed. The method includes the following steps:

[0082] S103. The receiving terminal acquires an acquisition request of the second subfile of the resource file according to the first subfile of the resource file.

[0083] Specifically, after the server sends the first sub-file of the resource file to the terminal, the receiving terminal acquires the second sub-file of the resource file according to the first sub-file of the resource file.

[0084] S104. Send a second subfile of the resource file to the account of the terminal or the terminal user according to the acquisition request.

[0085] The data processing method of this embodiment, by setting a resource file that lacks the second subfile, only after the resource file receiver receives the first subfile of the resource file, according to the request of the resource file receiver Sending the second subfile, so that the issuer generates the resource file to the receiving party to obtain the second subfile of the resource file, the resource resource of the resource file is not frozen in the resource file, but is still in the issuer's account. The financial resources can continue to be flexibly used, thereby effectively improving the utilization efficiency of resources, and improving the flexibility of the terminal to send and receive resources.

[0086] Embodiment 2

[0087] In this embodiment, the second subfile of the resource file includes an electronic coupon.

[0088] Referring to FIG. 4, a data processing method according to a second embodiment of the present invention is proposed. The method includes the following steps:

[0089] S201. The terminal acquires a first subfile of the resource file. [0090] In the embodiment of the present invention, the issuer generates the resource file, only the first subfile, but does not set the second subfile in the first subfile. The server sends the first sub-file of the resource file to the terminal. After the terminal obtains the resource file sent by the issuer, the terminal obtains only one first sub-file, that is, the resource file that does not carry the second sub-file.

[0091] S202. The terminal receives a trigger instruction of the user on the first subfile of the resource file, and acquires a data value after the trigger instruction is executed.

Specifically, when the user performs any one of the following operations or at least two operations, the terminal determines that the triggering instruction is received, and the operations include: closing the sealing of the first subfile, speaking the specified information, clicking the first A specified pattern or text on a subfile. Similarly, the terminal acquires the data value after the execution of the trigger instruction, and the data value includes: the speed of the seal of the first subfile by the user, the size or/and the clarity of the sound of the specified information, and clicking on the first subfile Any one of the operational values such as the specified pattern or the speed of the text, or a combination of at least two.

[0093] For example: the first sub-file has a slider on the seal, the user slides the slider from one end to the other end to seal the seal, and the terminal detects the speed at which the slider slides, and the speed at which the slider slides is used as a seal. The speed of the snoring; the first sub-file prompts the user to say a slogan and detects the size or/and the clarity of the voice of the slogan; the first sub-file displays a plurality of advertising patterns or/and advertising text on the cover , ask the user to click on the ad design or / and ad text, and detect the speed of the user's click (can measure the speed by detecting the time spent by the click).

[0094] S203. The terminal generates an acquisition request according to the triggering instruction.

[0095] After receiving the trigger instruction, the terminal immediately generates an acquisition request.

[0096] S204. The terminal carries the data value in the acquisition request and sends the data value to the server.

[0097] In this embodiment, the acquiring request sent by the terminal to the server includes the data value of the triggering command detected by the terminal.

[0098] S205. The server receives the acquisition request.

[0099] The server may be a server of an enterprise or a merchant, or may be a server of a resource management institution (such as a bank) bound by an enterprise or a merchant.

[0100] S206. The server determines, according to the data value carried in the acquisition request, the resource quota of the second subfile.

[0101] Specifically, the server acquires terminal information, resource file information, and data values according to the obtaining request, according to The data value determines the resource amount of the second subfile.

[0102] In a specific implementation, the resource limit of the second sub-file may be set in the resource file, and the resource quota of the second sub-file is determined according to the data value in the upper and lower limits of the quota, for example, the larger the data value The amount is also larger. For example, the faster the speed of the seal of the first subfile is, the larger the resource amount of the second subfile is; the greater the sound or the clearer the sound of the specified information is, the more the resource amount of the second subfile is. Large; The faster the speed of the specified pattern or text on the first subfile is clicked, the greater the resource amount of the second subfile.

[0103] S207. The server sends the second subfile of the resource file to the terminal.

[0104] The second subfile in this embodiment may be one of the electronic coupons or a combination of the two.

[0105] S208. The terminal receives the second subfile of the resource file.

[0106] The terminal receives the second subfile of the resource file, and successfully acquires the second subfile.

[0107] Optionally, the server may also send the second subfile of the resource file to the account of the terminal user, for example: the server directly registers the second subfile of the resource file under the account of the terminal user, or the second sub The file is bound to the end user's account.

[0108] Referring to FIG. 5, a data processing method applied to a terminal according to a second embodiment of the present invention is proposed. The method includes the following steps:

[0109] S201. Acquire a first subfile of the resource file.

[0110] S202. Receive a trigger instruction of the user on the first subfile of the resource file, and detect a data value after the trigger instruction is executed.

[0111] S203. Generate an acquisition request according to the trigger instruction.

[0112] S204. Carry a data value in the acquisition request and send the data to the server, so that the server determines the resource quota of the second subfile according to the data value.

[0113] S208. The second subfile of the resource file sent by the receiving server according to the acquisition request.

[0114] Referring to FIG. 6, a data processing method applied to a server according to a second embodiment of the present invention is proposed. The method includes the following steps:

[0115] S205. The receiving terminal acquires an acquisition request of the second subfile of the resource file according to the first subfile of the resource file. The data request is carried in the acquisition request.

[0116] Specifically, after the server sends the first subfile of the resource file to the terminal, the receiving terminal according to the resource text The first subfile of the piece sends an acquisition request for the second subfile of the resource file.

[0117] S206. Determine a resource quota of the second subfile according to the data value carried in the acquisition request.

[0118] S207. Send a second subfile of the resource file to the account of the terminal or the end user.

[0119] The data processing method of the embodiment determines the resource quota of the second subfile of the resource file by the trigger operation of the user, and the introduction of the uncertain factor improves the playability and the fun, which greatly stimulates The enthusiasm of users to participate has improved the promotion effect of advertising and marketing by enterprises and merchants by sending resource files.

Embodiment 3

[0121] In this embodiment, the second sub-file of the resource file includes an electronic credential (such as a silver credential), and the obtaining the second sub-file of the resource file is a request for obtaining an electronic credential, and the server includes the first resource management. Server and second resource management server. The first resource management server is a server of a first resource management organization (such as a bank) bound by a resource file issuer (such as a business or a merchant), and the first resource management institution is a certification authority (such as a bank The second resource management server is a server of a second resource management organization (such as a bank) bound by the resource file receiver, and the second resource management institution is a collection authority (such as a collection bank). The resource management authority bound by the resource file issuer and the resource file receiver may be the same institution or a different institution, that is, the first resource management organization and the second resource management organization may be the same or different, and the corresponding first resource The management server and the second resource management server may be the same server or different servers.

[0122] Referring to FIG. 7, a data processing method according to a third embodiment of the present invention is proposed. The method includes the following steps:

[0123] S301. The terminal acquires a first subfile of the resource file.

[0124] The second subfile of the resource file in this embodiment includes an electronic voucher. The resource file issuer may apply to the first resource management institution bound to the resource management file by using the resource file generator of the first resource management organization to generate the resource file, only the first subfile, but not in the first subfile. The second subfile including the electronic voucher is set. The first resource management server sends the first sub-file of the resource file to the terminal. After receiving the resource file sent by the first resource management server, the terminal obtains only one first sub-file, that is, the resource file that does not contain the electronic credential.

[0125] S302. The terminal sends a request for acquiring an electronic voucher to the second resource management server according to the first subfile.

[0126] Specifically, the terminal operates according to a user's operation, such as clicking a cover or a seal of the first subfile or It operates to generate a request to obtain an electronic credential and send the request to the second resource management server.

[0127] S303. The second resource management server receives the request for acquiring the electronic voucher, and forwards the request to the first resource management server.

[0128] Specifically, the second resource management server obtains the terminal information according to the request for acquiring the electronic voucher, obtains the recipient information according to the terminal information, and the recipient is the resource file receiver, and then sends the request to the first resource management server.

[0129] S304. The first resource management server receives a request for acquiring an electronic voucher, and sends an electronic voucher to the second resource management server according to the request.

[0130] Specifically, the second resource management server obtains terminal information and resource file information according to the request for acquiring the electronic voucher, obtains the recipient information according to the terminal information, and obtains the witness information according to the resource file information, where the witness is the resource file issuer. According to this, the electronic certificate is sent to the recipient, and the electronic certificate that is sent out is sent to the second resource management server.

[0131] S305. The second resource management server receives the electronic credential and sends the electronic credential to the terminal. specific

After receiving the electronic credential, the second resource management server sends the electronic credential to the terminal. further

The feedback information of the electronic voucher is also fed back to the terminal.

[0132] S306. The terminal receives the electronic voucher.

[0133] After the recipient (ie, the recipient of the resource file) obtains the electronic voucher, the terminal can apply for withdrawal (resolving the electronic voucher) to the second resource management server, and the second resource management server receives the request for withdrawal and the first The resource management server performs fund transfer, that is, the second resource management server receives the funds associated with the electronic voucher allocated by the first resource management server and transfers them to the account of the recipient, and the recipient can obtain the funds frozen by the witnesses through the electronic voucher. .

[0134] Optionally, the second resource management server may also send the electronic credential to the account of the end user, for example: the second resource management server directly registers the electronic credential under the account of the end user, or the electronic credential and the end user Account binding.

[0135] Referring to FIG. 8, a data processing method applied to a terminal according to a third embodiment of the present invention is proposed, and the method includes the following steps:

[0136] S301. Acquire a first subfile of the resource file.

[0137] S302. Send a request for acquiring an electronic voucher to the second resource management server according to the first subfile. thereby So that the second resource management server forwards the request to the first resource management server and receives the electronic certificate sent by the first resource management server according to the request.

[0138] S306. Receive an electronic credential sent by the second resource management server.

[0139] The data processing method in this embodiment uses the electronic credential as the second subfile of the resource file. After the resource file receiver receives the resource file, the resource management server sets the electronic credential according to the request of the resource file receiver. The resource file receiver, so that the issuer generates the resource file until the receiver obtains the second subfile of the resource file, the resource resource of the resource file is not frozen in the resource file, but is still in the issuer's account, Continue to use this financial resource flexibly, which effectively improves the efficiency of resource utilization and improves the flexibility of the terminal to send and receive resources.

Embodiment 4

[0141] In this embodiment, the second subfile of the resource file includes an electronic credential, and the obtaining the second subfile of the resource file is a request for obtaining an electronic credential, and the server includes the first resource management server and the second resource management. server. The first resource management server is a server of a first resource management organization (such as a bank) bound by a resource file issuer (such as a business or a merchant), and the first resource management institution is a certification authority (such as a bank The second resource management server is a server of a second resource management organization (such as a bank) bound by the resource file receiver, and the second resource management institution is a collection authority (such as a collection bank). The resource management authority bound by the resource file issuer and the resource file receiver may be the same institution or a different institution, that is, the first resource management organization and the second resource management organization may be the same or different, and the corresponding first resource The management server and the second resource management server may be the same server or different servers.

[0142] Referring to FIG. 9, a data processing method according to a fourth embodiment of the present invention is proposed. The method includes the following steps:

[0143] S401. The first subfile of the terminal resource file.

[0144] The second subfile of the resource file in this embodiment includes an electronic voucher. The resource file issuer may apply to the first resource management institution bound to the resource management file by using the resource file generator of the first resource management organization to generate the resource file, only the first subfile, but not in the first subfile. The second subfile including the electronic voucher is set. After receiving the resource file sent by the first resource management server, the terminal obtains only one first sub-file, that is, the resource file that does not contain the electronic credential.

[0145] S402. The terminal receives a trigger instruction of the user on the first subfile of the resource file, and acquires a trigger instruction. The data value after execution.

[0146] Specifically, when the user performs any one of the following operations or at least two operations, the terminal determines that the triggering instruction is received, where the operation includes: opening the sealing of the first subfile, speaking the specified information, clicking the first A specified pattern or text on a subfile. Similarly, the terminal acquires the data value after the execution of the trigger instruction, and the data value includes: the speed of the seal of the first subfile by the user, the size or/and the clarity of the sound of the specified information, and clicking on the first subfile Any one of the operational values such as the specified pattern or the speed of the text, or a combination of at least two.

[0147] For example: the first sub-file has a slider on the seal, the user slides the slider from one end to the other end to seal the seal, and the terminal detects the speed at which the slider slides, and the speed at which the slider slides is used as a seal. The speed of the snoring; the first sub-file prompts the user to say a slogan and detects the size or/and the clarity of the voice of the slogan; the first sub-file displays a plurality of advertising patterns or/and advertising text on the cover , ask the user to click on the ad design or / and ad text, and detect the speed of the user's click (can measure the speed by detecting the time spent by the click).

[0148] S403. The terminal generates a request for acquiring an electronic voucher according to the triggering instruction.

[0149] After receiving the triggering instruction, the terminal immediately generates a request for acquiring the electronic voucher.

[0150] S404. The terminal carries the data value in the request for acquiring the electronic voucher and sends the data value to the second resource management server.

[0151] In this embodiment, the request for acquiring the electronic voucher sent by the terminal to the server includes the data value after the execution of the trigger instruction detected by the terminal.

[0152] S405. The second resource management server receives the request for acquiring the electronic voucher, and forwards the request to the first resource management server.

Specifically, the second resource management server obtains the terminal information according to the request for acquiring the electronic voucher, obtains the recipient information according to the terminal information, and the recipient is the resource file receiver, and then sends the request to the second resource management server.

[0154] S406. The first resource management server receives a request for acquiring an electronic voucher, and sends an electronic voucher to the second resource management server according to the request.

[0155] Specifically, the server obtains the resource file information, the terminal information, and the data value according to the request for acquiring the electronic voucher, determines the credit amount of the electronic voucher according to the data value, and obtains the information of the certificate according to the terminal information, and the root According to the resource file information, the witness information is obtained, and the witness is the resource file issuer, according to which the electronic certificate is issued to the certificate holder, and the electronic certificate issued is sent to the second resource management server.

[0156] Regarding the determination of the amount of the credit card, the upper and lower limits of the credit amount can be set in the resource file, and the credit limit is determined according to the data value in the upper and lower limits of the credit. If the data value is larger, the quota is larger. . For example, the faster the sealing of the resource file is, the greater the amount of the certificate; the greater the sound or the clearer the sound of the specified information, the greater the amount of the certificate; click on the specified pattern on the resource file or The faster the text, the greater the amount of evidence.

[0157] S407. The second resource management server receives the electronic voucher and sends the electronic voucher to the terminal.

[0158] Specifically, after receiving the electronic credential, the second resource management server sends the electronic credential to the terminal.

Further, the receipt information of the electronic voucher can also be fed back to the terminal.

[0159] S408. The terminal receives the electronic voucher.

[0160] After the recipient (ie, the resource file receiver) obtains the electronic voucher, the terminal can apply for withdrawal (delivery of the electronic voucher) to the second resource management server, and the second resource management server receives the withdrawal request and the first The resource management server performs fund transfer, that is, the second resource management server receives the funds associated with the electronic voucher allocated by the first resource management server and transfers them to the account of the recipient, and the recipient can obtain the funds frozen by the witnesses through the electronic voucher. .

[0161] Optionally, the second resource management server may also send the electronic credential to the account of the end user, for example: the second resource management server directly registers the electronic credential under the account of the end user, or the electronic credential and the end user Account binding.

Referring to FIG. 10, a data processing method applied to a terminal according to a fourth embodiment of the present invention is proposed. The method includes the following steps:

[0163] S401. Acquire a first subfile of the resource file.

[0164] S402. Receive a trigger instruction of the user on the first subfile of the resource file, and acquire a data value after the trigger instruction is executed.

[0165] S403. Generate a request for acquiring an electronic voucher according to the triggering instruction.

[0166] S404. Carry a data value in the request for acquiring the electronic voucher and send the data value to the second resource management server.

[0167] S408. Receive an electronic credential sent by the second resource management server.

[0168] The data processing method in this embodiment determines the electronic voucher in the resource file by the trigger operation of the user. The introduction of such uncertain factors has increased the playability and interest, greatly stimulated the enthusiasm of users to participate, and improved the publicity effect of advertising marketing by enterprises and merchants by sending resource files.

Embodiment 5

[0170] Referring to FIG. 11, a data processing method according to a fifth embodiment of the present invention is proposed. In this embodiment, a resource file is an electronic red envelope (ie, a red envelope electronic file), the content is a silver credit card, and the resource management institution is a bank. In detail, the first resource management server and the second resource management server are the first bank server and the second bank server, respectively, and the method includes the following steps:

[0171] S501. The first bank server generates a data packet of the electronic red envelope according to the user request of the first terminal, where the electronic red envelope includes an envelope (the first subfile), but does not include the content (second subfile), the silver credit card. The first bank server then sends the envelope of the electronic red envelope to the second terminal. The first terminal is a terminal held by an electronic red envelope sender, and the second terminal is a terminal held by an electronic red envelope receiver.

[0172] S502. The second terminal sends a request for obtaining a silver credit to the second bank server according to the envelope of the electronic red envelope.

[0173] S503. The first bank server receives a request for acquiring a silver credit of the second terminal forwarded by the second bank server, and according to the request, the corresponding electronic red envelope in the bank account of the first terminal user (ie, the electronic red envelope issuer) The amount is frozen to generate a silver letter and the bank letter is sent to the second bank server.

[0174] S504. The second terminal receives the silver credit sent by the second bank server, and sends a withdrawal request for the electronic red envelope to the second bank server according to the silver credit.

[0175] S505. The second bank server notifies the first bank server to unfreeze the frozen amount of the electronic red envelope in the bank account of the first terminal user according to the withdrawal request, and corresponds to the electronic red envelope in the bank account of the first terminal user. The amount is transferred to the bank account of the second end user (ie, the electronic red envelope recipient).

[0176] It should be noted that the electronic red envelope in the present invention is different from the electronic red envelope in the prior art.

[0177] In the embodiment of the present invention, as shown in FIG. 12 and FIG. 13, after receiving the request for generating an electronic red envelope submitted by the first terminal, the first bank server generates an electronic red envelope of the A amount, and freezes the first terminal user. A amount in the bank account. The first terminal or the first bank server sends the generated electronic red envelope or the address information of the generated electronic red envelope to the domain. After the second terminal user consults the electronic red envelope, on the second terminal The operation of robbing the electronic red envelope, receiving the electronic red envelope, disassembling the electronic red envelope, and leading the electronic red envelope, wherein, after confirming the electronic red envelope, the second terminal notifies the second bank server, the second bank server performs verification, and confirms to the first bank. The server sends a defrosting request, and the first bank server unfreezes the A amount frozen in the bank account of the first terminal user, and transfers the A amount from the bank account of the first terminal user to the bank account of the second terminal user.

[0178] In the prior art, the electronic red envelope, as shown in FIG. 14 and FIG. 15, the user 3 logs in to the platform at the terminal 3, and sends an electronic red envelope (the amount is B) to the user 4 of the same platform, and the user 4 is at the terminal 4. Log in to the platform to receive an electronic red envelope. The server of the platform executes the platform account of user 3 (user 3 is in the platform's electronic account, pre-associated with user 3's bank account) and user 4's platform account (user 4 is on the platform's electronic account, The electronic amount data is settled between the bank account of the user 4 in advance, that is, after receiving the red envelope request from the user 3 of the terminal 3, the platform background server generates a corresponding electronic red envelope and sends it to the user 4 of the terminal 4, and correspondingly The balance number of the platform account of the terminal 3 is subtracted from B, and the balance number of the platform account of the terminal 4 is added to B. The electronic account is limited to the data in the same platform, and the information cannot be exchanged from the platform. In fact, the bank server 3 transfers the amount in the bank account of the user 3 to the bank account of the platform (corresponding to the bank server 5) according to the request of the user 3. The electronic red envelope is sent through the amount in the platform account of the terminal 3, but before the user 4 redeems the electronic red envelope, the amount of the electronic wallet is still in the bank account of the platform. And if user 4 needs to redeem the captured electronic red envelope, you need to close the current electronic red envelope page, find the platform account 4 in the wallet menu bar, click the cash withdrawal button, and withdraw the amount to the associated bank account (corresponding to the bank server 4) in.

[0179] The sending, robbing, and robbing of the electronic red envelope in the prior art are all based on the platform, and the detachment from the platform cannot be realized, and the electronic red envelope amount is stored in the platform account, and the sending/receiving of the electronic wallet is only the amount data in the platform system. The transfer and markup, the actual amount of the user is deposited in the platform account, brings the security problem of the fund data, there is a third-party platform capital risk, and the cash withdrawal operation steps in the prior art are cumbersome. Peer, when the issuer generates a red envelope until the recipient receives the red envelope, the funds charged in the red envelope are frozen and can no longer be used. As a result, the red envelope issuer has a large amount of funds that are frozen and idle, cannot be effectively utilized, and seriously affect resources. With efficiency, peers affect the flexibility of the terminal to send and receive resources. .

[0180] The implementation of the electronic red envelope in the embodiment of the present invention does not need to be implemented based on a third-party platform. After the user sends an electronic red envelope, the corresponding amount is still frozen in the bank account of the red envelope, until other users confirm receipt of the electricity. After the child red envelope, the corresponding electronic red envelope amount is unfrozen from the bank account of the red envelope and transferred to the bank account of the red envelope holder. The embodiment of the present invention does not have the security problem of the funds on the third-party platform. In the embodiment of the present invention, the actual amount of the electronic wallet flows directly in the bank account, which is required to be transferred and cumbersome in the platform account compared with the prior art. The withdrawal step is simple and safe in the embodiment of the present invention. In the embodiment of the present invention, the issuer generates the electronic red envelope, and may not charge the content. Only when the receiver receives the electronic red envelope, the content of the electronic red envelope is sent according to the request of the receiver, thereby effectively avoiding The funds generated by the electronic red envelope are frozen until the funds are thawed after the electronic red envelope is received, which effectively improves the utilization efficiency of resources, and improves the flexibility of the terminal to send and receive resources.

[0181] The electronic red envelope in the embodiment of the present invention implements cross-platform transmission, and the electronic red envelope data in the prior art can only be transmitted and processed within the same platform such as instant communication, e-commerce platform, etc., the electronic in the embodiment of the present invention Red card distribution and collection are not limited to the same platform, supporting data transmission, interaction and processing between different platforms. Moreover, the embodiments of the present invention can effectively improve the utilization efficiency of resources and improve the flexibility of the terminal to send and receive resources.

[0182] In order to better illustrate the technical advantages of the embodiments of the present invention, with reference to FIG. 16, the transmitting end of the electronic red envelope issues an electronic red envelope, and the receiving end 1, the receiving end 2, the receiving end n receives the electronic red envelope. After receiving the electronic red envelope, it is not necessary to collect it on the same platform as the sender sends the electronic red envelope. In the prior art, both the red envelope and the collar red envelope need to be performed on the same platform system. In the embodiment of the present invention, the receiving end 1 and the receiving end 2...

The receiving red envelope in the receiving end n can be a different platform system, such as a mobile client of each bank. In the embodiment of the present invention, the receiving end 1, the receiving end 2, the receiving end n can also send the electronic red envelope receiving request directly to the bank server of the receiving user's bank account, without being based on any platform system. Therefore, the electronic red envelope is transmitted and received across platforms through the embodiment of the present invention. In this way, the scope and frequency of the electronic red envelope are expanded.

Embodiment 6

Referring to FIG. 17, a data processing system according to a sixth embodiment of the present invention is proposed. The system includes a server 10 and a terminal 20, wherein:

[0185] The terminal 20 is configured to acquire a first subfile of the resource file, and send, according to the first subfile, an acquisition request for acquiring the second subfile of the resource file to the server 10, and the receiving server 10 sends the request according to the acquisition request. The second subfile of the source file. Among them, the second sub-file includes an electronic coupon.

[0186] The server 10 is configured to send the first sub-file of the resource file to the terminal 20, and the receiving terminal 20 obtains the second sub-file obtaining request of the resource file according to the first sub-file, and sends the request to the terminal 20 or the terminal according to the obtaining request. The account of 20 sends the second subfile of the resource file.

[0187] Further, the terminal 20 is further configured to: receive a trigger instruction of the user on the first subfile of the resource file.

And obtaining a data value after the execution of the trigger instruction, generating an acquisition request according to the data instruction, carrying the data value in the acquisition request, and sending the data value to the server 10; the server 10 is further configured to: determine the resource quota of the second subfile according to the data value.

[0188] wherein, the data value comprises: a speed at which the user hits the seal of the first subfile, the size or/and the clarity of the sound of the specified information, and the speed of clicking the specified pattern or text on the first subfile Any one or a combination of at least two.

[0189] Further, in some embodiments, the second sub-file of the resource file may also include an electronic credential, and the request for sending the e-voucher sent by the terminal 20 is received, and the server 10 is included as shown in FIG. 18. The first resource management server 101 and the second resource management server 102, the first resource management server 101 is a server of the first resource management organization bound to the resource file issuer, and the second resource management server 102 is tied to the resource file receiver The server of the second resource management organization; the resource management authority bound by the resource file issuer and the resource file receiver may be the same institution or a different institution, that is, the first resource management institution and the second resource management institution may The same may also be different, and the corresponding first resource management server 101 and second resource management server 102 may be the same server or different servers. among them:

[0190] The terminal 20 is configured to: receive the first sub-file of the resource file sent by the first resource management server 101, send a request for acquiring the electronic credential of the resource file to the second resource management server 102, and receive the request sent by the second resource management server 102. Electronic voucher.

[0191] The second resource management server 102 is configured to: receive a request for acquiring the electronic voucher sent by the terminal 20, and forward the request to the first resource management server 101, and receive the electronic voucher sent by the first resource management server 101 according to the request. And transmitting the electronic voucher to the account of the terminal 20 or the terminal 20.

[0192] The first resource management server 101 is configured to: send a first subfile of the resource file to the terminal 20, receive a request for acquiring the electronic credential sent by the second resource management server 102, and set up the electronic credential according to the request. And sending the electronic voucher to the first resource management server 101.

[0193] Further, the first resource management server 101 further generates a resource file that lacks the second subfile according to the application of the resource file issuer, that is, only the first subfile of the resource file is generated.

[0194] Further, when the request for acquiring the electronic voucher carries the data value 吋, the first resource management server 10 1 further determines the credit amount according to the data value, and sets the electronic voucher according to the determined credit amount.

[0195] The data processing system of the embodiment of the present invention, by setting a resource file that lacks the second subfile, sends the second sub-request according to the request of the resource file recipient only after the resource file receiver receives the resource file. a file, so that the issuer generates the resource file until the recipient obtains the second subfile of the resource file, the resource resource of the resource file is not frozen in the resource file, but is still in the issuer's account, and can continue to be flexibly used. The funds and resources have effectively improved the efficiency of resource utilization.

[0196] It should be understood that the data processing system and the data processing method embodiment provided by the foregoing embodiments are in the same concept, and the specific implementation process is described in the method embodiment, and the technical features in the method embodiments are applicable in the system embodiment. , I won't go into details here.

Example 7

Referring to FIG. 19, a data processing apparatus applied to a terminal according to a seventh embodiment of the present invention is provided. The apparatus includes an obtaining module 21, a requesting module 22, and a receiving module 23, wherein:

[0199] The acquisition module 21: is set to acquire the first subfile of the resource file.

[0200] The requesting module 22: is configured to send an acquisition request of the second subfile of the resource file to the server according to the first subfile. The second sub-file includes an electronic coupon.

[0201] The receiving module 23: is configured to receive a second subfile of the resource file sent by the server according to the acquisition request.

[0202] Further, as shown in FIG. 20, the requesting module 22 includes a triggering unit 221, a generating unit 222, and a transmitting unit 223, where:

[0203] The trigger unit 221 is configured to receive a trigger instruction of the user on the first subfile of the resource file, and detect a data value after the trigger instruction is executed;

[0204] The generating unit 222 is configured to generate an acquisition request according to the triggering instruction;

[0205] The sending unit 223 is configured to carry the data value in the acquisition request and send the data to the server, so that the server determines the resource quota of the second subfile according to the data value.

[0206] The triggering unit 221 is configured to: acquire a speed of the sealing of the first subfile by the user, and specify the specified A combination of any one or at least two of the size or/and the definition of the sound of the information and the speed of the specified pattern or text on the first sub-file is taken as the data value.

[0207] Further, in some embodiments, the second subfile of the resource file includes an electronic credential, and the request for obtaining the e-voucher is requested by the first resource management server and the second resource management server, a resource management server is a server of the first resource management organization bound to the resource file issuer, and the second resource management server is a server of the second resource management organization bound to the resource file receiver; the resource file issuer and the resource file The resource management organization bound by the receiver may be the same organization or a different organization, that is, the first resource management organization and the second resource management organization may be the same or different, and the corresponding first resource management server and the second resource management The server may be the same server or a different server. currently:

[0208] The obtaining module 21 is configured to: receive the first subfile of the resource file sent by the first resource management server; [0209] the requesting module 22 is configured to: send a request for acquiring the electronic credential to the second resource management server, so that the first The second resource management server forwards the request to the first resource management server and receives the electronic certificate sent by the first resource management server according to the request;

[0210] The receiving module 23 is configured to: receive the electronic credential sent by the second resource management server.

[0211] The data processing apparatus of the embodiment of the present invention obtains a second resource file by using a resource file that lacks the second subfile, and only receives the second subfile obtaining the resource file after receiving the acquisition request of the resource file. a subfile, such that the issuer generates the resource file until the recipient obtains the second subfile of the resource file, the resource resource of the resource file is not frozen in the resource file, but is still in the issuer's account, and can continue to be flexible The use of this capital resources has effectively improved the efficiency of resource utilization.

Embodiment 8

Referring to FIG. 21, a data processing apparatus applied to a server according to an eighth embodiment of the present invention is provided. The apparatus includes a resource file sending module 11, an obtaining request receiving module 12, and a processing module 13, wherein:

[0214] the resource file sending module 11: is configured to send the first subfile of the resource file to the terminal,

[0215] The acquisition request receiving module 12: is configured to receive an acquisition request of the second subfile of the resource file sent by the terminal.

[0216] The processing module 13 is configured to send a second subfile of the resource file to the account of the terminal or the end user according to the acquisition request. Among them, the second sub-file includes an electronic coupon. [0217] Further, the data request is carried in the acquisition request, and the processing module 13 is further configured to: determine a resource quota of the second subfile according to the data value.

[0218] wherein, the data value comprises: a speed at which the user hits the seal of the first subfile, the size or/and the clarity of the sound of the specified information, and the speed of clicking the specified pattern or text on the first subfile Any one or a combination of at least two.

[0219] Further, in some embodiments, the second sub-file of the resource file may also include an electronic credential, and the request sent by the terminal is a request for acquiring an electronic credential, and the server includes a first resource management server and a second a resource management server, the first resource management server is a server of the first resource management organization bound to the resource file issuer, and the second resource management server is a server of the second resource management organization bound to the resource file receiver; the resource file The resource management organization bound by the issuer and the resource file receiver may be the same organization or a different organization, that is, the first resource management organization and the second resource management organization may be the same or different, and the corresponding first resource management server The second resource management server may be the same server or a different server. currently:

[0220] When the device is applied to the second resource management server, the processing module 13 is configured to: receive a request for acquiring the electronic voucher sent by the terminal, and forward the request to the first resource management server, and receive the first resource management server according to the The electronic voucher to be sent is sent and sent to the account of the terminal or end user.

[0221] When the device is applied to the first resource management server, the processing module 13 is configured to: receive a request for acquiring the electronic voucher sent by the second resource management server, set up the electronic voucher according to the request, and send the electronic voucher to the first Resource management server. Further, the processing module 13 may further send a resource file that lacks the second sub-file to the terminal. Further, the processing module 13 may further generate a resource file that does not carry the second sub-file according to the application of the resource file issuer, that is, only generate the resource file. The first sub-file of the resource file; further, when the data value is carried in the request, the processing module 13 further determines the credit amount according to the data value, and sets the electronic certificate according to the determined credit amount.

[0222] The data processing apparatus of the embodiment of the present invention, by setting a resource file that does not carry the second subfile, sends the second request according to the request of the resource file receiver only after the resource file receiver receives the resource file. a subfile, such that the issuer generates the resource file until the recipient obtains the second subfile of the resource file, and the resource resource of the resource file is not frozen in the resource file, but is still in the issuer's account In the household, the capital resources can continue to be flexibly used, thereby effectively improving the utilization efficiency of resources, and improving the flexibility of the terminal to send and receive resources.

[0223] It should be understood that the data processing apparatus and the data processing method embodiment provided by the foregoing embodiments are in the same concept, and the specific implementation process is described in detail in the method embodiment, and the technical features in the method embodiments are applicable in the device embodiments. , I won't go into details here.

[0224] Through the description of the above embodiments, those skilled in the art can clearly understand that the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former It is a better implementation. Based on such understanding, the technical solution of the present invention, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk, The optical disc includes a number of instructions for causing a terminal device (which may be a mobile phone, a computer, a server, or a network device, etc.) to perform the methods described in various embodiments of the present invention.

The preferred embodiments of the present invention have been described above with reference to the drawings, and are not intended to limit the scope of the invention.

A person skilled in the art can implement the invention in various modifications without departing from the scope and spirit of the invention. For example, the features of one embodiment can be used in another embodiment to obtain a further embodiment. Any modifications, equivalent substitutions and improvements made within the technical concept of the invention are intended to be within the scope of the invention.

Industrial applicability

[0226] A data processing method provided by the present invention, by setting a resource file that lacks the second subfile, is received only according to the resource file only after the resource file receiver receives the first subfile of the resource file. The party's request sends a second subfile, so that the issuer generates the resource file until the receiver obtains the second subfile of the resource file, the resource resource of the resource file is not frozen in the resource file, but is still in the issuer's In the account, the funds can continue to be used flexibly, thereby effectively avoiding the generation of resource files, the resources are frozen, and the resources are not thawed until the resources are received, thereby effectively improving the utilization efficiency of resources, and improving the terminal transmission. And the flexibility of receiving resources.

Claims

Claim

[Claim 1] A data processing method, applied to a server, includes the following steps:

Sending the first subfile of the resource file to the terminal;

Receiving an acquisition request of the second subfile of the resource file sent by the terminal according to the first subfile of the resource file;

Sending a second subfile of the resource file to the terminal or the end user's account according to the obtaining request.

[Claim 2] The data processing method according to claim 1, wherein the acquisition request carries a data value, and the method further includes:

Determining a resource quota of the second subfile according to the data value.

[Claim 3] The data processing method according to claim 2, wherein the data value comprises: a speed at which a user snipes a seal of the first subfile, and a size or/and a clear sound of the specified information And a combination of any one or at least two of the speeds of the specified pattern or text on the first sub-file.

[Claim 4] The data processing method according to any one of claims 1 to 3, wherein the second sub-file includes an electronic coupon.

The data processing method according to any one of claims 1 to 3, wherein the second subfile includes an electronic voucher, the obtaining request is a request for acquiring the electronic voucher, and the server includes The first resource management server and the second resource management server, the method further includes:

Receiving, by the second resource management server, a request for acquiring the electronic voucher sent by the terminal, forwarding the request to the first resource management server; the first resource management server receiving the request, according to the request Sending an electronic voucher to the second resource management server;

The second resource management server receives the electronic voucher and transmits the electronic voucher to an account of the terminal or the end user.

[Claim 6] A data processing method, applied to a terminal, includes the following steps:

Obtain the first subfile of the resource file; Sending, according to the first subfile, an acquisition request for acquiring a second subfile of the resource file to a server;

Receiving, by the second sub-file of the resource file that is sent by the server according to the obtaining request, the data processing method according to claim 6, wherein the sending, according to the first sub-file, the acquiring the resource file to the server The obtaining the second sub-file includes: receiving a trigger instruction of the user on the first sub-file of the resource file, and acquiring a data value after the triggering instruction is executed;

Generating the acquisition request according to the triggering instruction;

Carrying the data value in the obtaining request and sending the data to the server, so that the server determines the resource quota of the second subfile according to the data value.

The data processing method according to claim 7, wherein the obtaining the data value after the execution of the triggering instruction comprises: acquiring a speed at which the user hits the sealing of the first subfile, and speaking the size of the sound of the specified information Or / and sharpness and a combination of any one or at least two of the speeds of the specified pattern or text on the first sub-file.

The data processing method according to any one of claims 6 to 8, wherein the second sub-file includes an electronic coupon.

The data processing method according to any one of claims 6-8, wherein the second subfile includes an electronic credential, the obtaining request is a request for acquiring the electronic credential, and the server includes a first resource management server and a second The resource management server, the method further includes: sending a request for acquiring the electronic credential to the second resource management server, so that the second resource management server forwards the request to the first resource management server and receives the request An electronic voucher sent by the first resource management server;

Receiving the electronic voucher sent by the second resource management server.

A data processing device is applied to a server, including:

a resource file sending module, configured to send a first sub-file of the resource file to the terminal; and a request receiving module, configured to receive the second sub-file obtained by the terminal according to the first sub-file and acquiring the resource file request; And the processing module is configured to send, according to the obtaining request, a second subfile of the resource file to an account of the terminal or the terminal user.

The data processing apparatus according to claim 11, wherein the acquisition request carries a data value, and the processing module is configured to: determine a resource quota of the second subfile according to the data value.

The data processing device according to claim 12, wherein said data value comprises: a speed at which the user slams the seal of the resource file, a size or/and a definition of a sound of the specified information, and a click on the resource file Any one of the specified patterns or text speeds or a combination of at least two.

The data processing device according to any one of claims 11 to 13, wherein the second subfile includes an electronic coupon.

The data processing apparatus according to any one of claims 11 to 13, wherein the second subfile includes an electronic credential, the obtaining request is a request for acquiring the electronic credential, and the server includes a first resource management server And a second resource management server;

When the device is applied to the second resource management server, the processing module is configured to: forward a request for acquiring the electronic credential to the first resource management server, and receive the first resource management server according to the Requesting an electronic voucher to be sent, and transmitting the electronic voucher to an account of the terminal or the end user;

When the device is applied to the first resource management server, the processing module is configured to: receive a request for acquiring the electronic credential sent by the second resource management server, and send the request to the second resource according to the request The management server sends the electronic voucher.

A data processing device is applied to a terminal, including:

The obtaining module is set to obtain the first subfile of the resource file;

a requesting module, configured to send, according to the first subfile, an acquisition request for acquiring a second subfile of the resource file to a server;

And a receiving module, configured to receive a second subfile of the resource file sent by the server according to the obtaining request.

The data processing device according to claim 16, wherein the requesting module comprises: a triggering unit, configured to receive a trigger instruction of the user on the first subfile of the resource file, and obtain a data value after the trigger instruction is executed;

a generating unit, configured to generate the acquiring request according to the triggering instruction;

a sending unit, configured to carry the data value in the acquiring request and send the data to a server

And causing the server to determine a resource quota of the second subfile according to the data value. The data processing device according to claim 17, wherein the triggering unit is configured to: acquire a speed at which a user snipes a seal of the first subfile, and say a size or/and a definition of a sound of the specified information and a click Any one of the specified patterns or characters on the first subfile or a combination of at least two is used as the data value.

A data processing apparatus according to any one of claims 16 to 18, wherein said second subfile comprises an electronic coupon.

The data processing apparatus according to any one of claims 16 to 18, wherein the second subfile includes an electronic credential, the obtaining request is a request for acquiring the electronic credential, and the server includes a first resource management server And a second resource management server;

The requesting module is configured to: send a request for acquiring the electronic credential to the second resource management server, so that the second resource management server forwards the request to the first resource management server and receives the request An electronic certificate sent by a resource management server according to the request;

The receiving module is configured to: receive the electronic credential sent by the second resource management server.

A data processing method includes the following steps:

The first bank server generates an electronic red envelope according to the user request of the first terminal, and sends the envelope of the electronic red envelope to the second terminal;

Sending, by the second terminal, a request for obtaining a silver credit to the second bank server according to the envelope of the electronic red envelope;

Receiving, by the first bank server, the request for acquiring the silver credit, which is forwarded by the second bank server, and freezing the amount of the corresponding electronic red envelope in the bank account of the first terminal user according to the request, generating a silver credit card, And sending the silver letter to the second bank server Receiving, by the second terminal, the silver credit sent by the second bank server, sending a withdrawal request for the electronic red envelope to the second bank server according to the silver credit; the second banking server is configured according to The withdrawal request notifies the first bank server to unfreeze the frozen amount in the bank account of the first terminal user, and allocates the amount corresponding to the electronic red envelope in the bank account of the first terminal user Go to the bank account of the second end user.