WO2019007336A3 - 数据处理方法、装置和设备 - Google Patents

数据处理方法、装置和设备 Download PDF

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Publication number
WO2019007336A3
WO2019007336A3 PCT/CN2018/094318 CN2018094318W WO2019007336A3 WO 2019007336 A3 WO2019007336 A3 WO 2019007336A3 CN 2018094318 W CN2018094318 W CN 2018094318W WO 2019007336 A3 WO2019007336 A3 WO 2019007336A3
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WO
WIPO (PCT)
Prior art keywords
cost
sub
user
resource
payment
Prior art date
Application number
PCT/CN2018/094318
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English (en)
French (fr)
Other versions
WO2019007336A2 (zh
Inventor
崔志伟
Original Assignee
阿里巴巴集团控股有限公司
崔志伟
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 阿里巴巴集团控股有限公司, 崔志伟 filed Critical 阿里巴巴集团控股有限公司
Publication of WO2019007336A2 publication Critical patent/WO2019007336A2/zh
Publication of WO2019007336A3 publication Critical patent/WO2019007336A3/zh
Priority to US16/716,992 priority Critical patent/US20200126069A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3676—Balancing accounts
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

本申请实施例公开了一种数据处理方法、装置和设备，该方法包括：代价平衡子系统将关于用户的认证请求发送给代价转移子系统，该认证请求用于请求对该用户进行认证；该代价转移子系统根据认证结果，向该用户的客户端发送定向电子凭证，该定向电子凭证用于作为该用户的定向资源代价的支付凭证；资源子系统根据该用户的客户端出示的该定向电子凭证，通过该代价转移子系统向该代价平衡子系统发送支付请求，该支付请求用于请求支付该用户的资源代价；该代价平衡子系统确认该支付请求，并通过该代价转移子系统将该用户的资源代价转移到该资源子系统中。
PCT/CN2018/094318 2017-07-03 2018-07-03 数据处理方法、装置和设备 WO2019007336A2 (zh)

Priority Applications (1)

Application Number Priority Date Filing Date Title
US16/716,992 US20200126069A1 (en) 2017-07-03 2019-12-17 Data processing method, apparatus and device

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CN201710532441.XA CN107527201A (zh) 2017-07-03 2017-07-03 数据处理方法、装置和设备
CN201710532441.X 2017-07-03

Related Child Applications (1)

Application Number Title Priority Date Filing Date
US16/716,992 Continuation US20200126069A1 (en) 2017-07-03 2019-12-17 Data processing method, apparatus and device

Publications (2)

Publication Number Publication Date
WO2019007336A2 WO2019007336A2 (zh) 2019-01-10
WO2019007336A3 true WO2019007336A3 (zh) 2019-01-31

Family

ID=60748220

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2018/094318 WO2019007336A2 (zh) 2017-07-03 2018-07-03 数据处理方法、装置和设备

Country Status (4)

Country Link
US (1) US20200126069A1 (zh)
CN (1) CN107527201A (zh)
TW (1) TW201907345A (zh)
WO (1) WO2019007336A2 (zh)

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107527201A (zh) * 2017-07-03 2017-12-29 阿里巴巴集团控股有限公司 数据处理方法、装置和设备
CN112258178B (zh) * 2018-01-23 2024-01-26 创新先进技术有限公司 支付卡的绑定方法、信任评估方法、装置和电子设备
CN109522387B (zh) * 2018-10-27 2023-07-14 平安医疗健康管理股份有限公司 基于数据处理的腰椎盘突出资质认证方法、设备及服务器
CN110349035B (zh) * 2019-05-30 2023-11-21 创新先进技术有限公司 业务处理系统以及方法
CN118014576A (zh) * 2020-08-05 2024-05-10 支付宝（中国）网络技术有限公司 支付数据处理方法、装置及电子设备
CN113221762B (zh) * 2021-05-17 2024-07-02 蚂蚁胜信(上海)信息技术有限公司 代价平衡决策方法、保险理赔决策方法、装置和设备
CN116664132A (zh) * 2021-05-25 2023-08-29 支付宝(杭州)信息技术有限公司 基于报销码的代扣处理方法及装置

Citations (3)

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CN104838402A (zh) * 2014-09-12 2015-08-12 深圳市银信网银科技有限公司 一种基于电子凭证的物品流通系统
CN104838400A (zh) * 2014-09-12 2015-08-12 深圳市银信网银科技有限公司 一种基于电子凭证的资金收付系统
CN107527201A (zh) * 2017-07-03 2017-12-29 阿里巴巴集团控股有限公司 数据处理方法、装置和设备

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US6125349A (en) * 1997-10-01 2000-09-26 At&T Corp. Method and apparatus using digital credentials and other electronic certificates for electronic transactions
JP5550630B2 (ja) * 2011-12-28 2014-07-16 楽天株式会社 電子マネーサーバ、電子マネー処理方法及び電子マネー処理プログラム
CN103295126A (zh) * 2012-03-02 2013-09-11 刘家焜 可被信任的交易凭证方法
CN103489104A (zh) * 2013-09-18 2014-01-01 俞强华 安全支付方法及系统
WO2015153474A1 (en) * 2014-03-31 2015-10-08 Monticello Enterprises LLC System and method for providing a single input field having multiple processing possibilities
CN105427169B (zh) * 2014-09-17 2021-05-11 中国银联股份有限公司 用于资源转移的安全性信息交互方法
US20180089688A1 (en) * 2016-09-27 2018-03-29 Mastercard International Incorporated System and methods for authenticating a user using biometric data

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104838402A (zh) * 2014-09-12 2015-08-12 深圳市银信网银科技有限公司 一种基于电子凭证的物品流通系统
CN104838400A (zh) * 2014-09-12 2015-08-12 深圳市银信网银科技有限公司 一种基于电子凭证的资金收付系统
CN107527201A (zh) * 2017-07-03 2017-12-29 阿里巴巴集团控股有限公司 数据处理方法、装置和设备

Also Published As

Publication number Publication date
TW201907345A (zh) 2019-02-16
CN107527201A (zh) 2017-12-29
US20200126069A1 (en) 2020-04-23
WO2019007336A2 (zh) 2019-01-10

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