CA2993532A1 - Online funds management method, data interaction processing method, and device and system therefor - Google Patents
Online funds management method, data interaction processing method, and device and system therefor Download PDFInfo
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- 238000007726 management method Methods 0.000 title claims abstract description 157
- 230000003993 interaction Effects 0.000 title claims abstract description 35
- 238000003672 processing method Methods 0.000 title claims abstract description 16
- 230000004044 response Effects 0.000 claims abstract description 28
- 238000000034 method Methods 0.000 claims description 37
- 238000012545 processing Methods 0.000 claims description 14
- 230000008014 freezing Effects 0.000 claims description 5
- 238000007710 freezing Methods 0.000 claims description 5
- 238000013139 quantization Methods 0.000 claims description 4
- 238000010586 diagram Methods 0.000 description 8
- 230000008569 process Effects 0.000 description 8
- 238000005516 engineering process Methods 0.000 description 4
- 239000003999 initiator Substances 0.000 description 4
- 238000011002 quantification Methods 0.000 description 3
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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
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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
- G06Q20/38—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
- G06Q20/407—Cancellation of a transaction
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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
- G06Q20/38—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
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Abstract
Disclosed are an online funds management method, and a data interaction processing method, device and system, the online funds management method comprising: a first terminal sends a generation request for a refund certificate for a bank credit certificate to a first funds management server; in response to the generation request, the first funds management server freezes funds in an account of a first terminal user which are equal to the value of the bank credit certificate; the first funds management server generates the refund certificate which is equal in value to the bank credit certificate; the first terminal receives refund certificate information sent by the first funds management server. The described means implement the return of transaction funds when a transaction fails, and neither of the parties of the transaction is required to provide account information of the other party.
Description
Online Funds Management Method, Data Interaction Processing Method, And Device And System Therefor [1] [Technical Field]
[2] The present invention relates to the field of electronic commerce, and in particular, to an online fund management method, a data interaction processing method, a device and its equipment and system.
[3] [Background Technology]
[4] With the development of Internet technology and especially mobile Internet technology, users can connect to the Internet through mobile devices using 2G, 3G, 4G or WiFi to conduct transactions and social activities. Users can conveniently and effectively perform online activities, this is an incomparable experience with offline. However, in the process of conducting online transactions, the payment of funds is required due to the failure of commodities or other reasons to complete the transaction. Therefore, it is necessary to provide an online transaction method and be able to return the transaction funds when the transaction fails.
[5] Further, since users can realize various ways of data interaction through the Internet, it is necessary to provide an online data interaction processing method.
[6] [Summary of the Invention]
[7] The object of the present invention is to provide an online fund management method and related device and system, which can return the transaction funds when the transaction fails, and the transaction parties do not need to provide counterparty account information.
[8] An online fund management method provided by the present invention, the method includes: the first terminal delivers a request for generating a refund certificate of a Bank Credit Certificate to the first Funds-Management server, where the Bank Credit Certificate is requested by a second terminal from a second Funds-Management server with a guarantee of its user's account or a credit line and generated by a second Funds-Management server; and the first Funds-Management server responds to the generated request, freezing the value of the Bank Credit Certificate in the account of the first terminal user; and the first terminal receives the refund information about the refund document delivered by the first Funds-Management server.
[9] Another online fund management method provided by the present invention includes: the first Funds-Management server receives the refund Certificate of the Bank Credit Certificate delivered by the first terminal, wherein the Bank Credit Certificate is requested by a second terminal from a second Funds-Management server as a guarantee of its user's account or a credit limit and generated by a second Funds-Management server;
and in response to the generated request, the funds in the account of the first terminal user are equal to the value of the Bank Credit Certificate, generate the refund certificate equal to the Bank Credit Certificate, and deliver the information of the refund certificate to the first terminal.
and in response to the generated request, the funds in the account of the first terminal user are equal to the value of the Bank Credit Certificate, generate the refund certificate equal to the Bank Credit Certificate, and deliver the information of the refund certificate to the first terminal.
[10] An online fund management system provided by the present invention includes: a second terminal is used to apply for bank credit certificate to a second Funds-Management server by using a user's account funds or a credit limit as a deposit; a second Funds-Management server is used to generate the Bank Credit Certificate in response to an application of the second terminal; the first terminal is used to generate the request for a refund certificate for the Bank Credit Certificate to the first Funds-Management server; the first Funds-Management server is used to freeze, in response to the generation request, funds equal to the value of the Bank Credit Certificate in the account of the first terminal user and generate a value equal to the value of the Bank Credit Certificate equal to the refund credential, deliver the refund credential information to the first terminal.
[11] An online Funds-Management server provided by the present invention includes: a receiving module is used to receive a request for generating a refund certificate of a Bank Credit Certificate delivered by the first terminal, wherein the Bank Credit Certificate is requested by a second terminal from a second Funds-Management server as a guarantee of its user's account or a credit limit and generated by a second Funds-Management server;
and an establishing module is used to freeze funds in the account of the first terminal user equal to the value of the Bank Credit Certificate in response to the generation request; a generating module is used to generate the refund certificate equivalent to the Bank Credit Certificate and to deliver the information of the refund certificate to the first terminal.
and an establishing module is used to freeze funds in the account of the first terminal user equal to the value of the Bank Credit Certificate in response to the generation request; a generating module is used to generate the refund certificate equivalent to the Bank Credit Certificate and to deliver the information of the refund certificate to the first terminal.
[12] In the above online funds management method and related devices and systems, after receiving the funds of the corresponding Bank Credit Certificate of the second terminal, the first terminal may deliver a request for generating a refund certificate of the Bank Credit Certificate to the first Funds-Management server, in response to the generate request, the first Funds-Management server will freeze funds in the account of the first terminal user equal to the value of the Bank Credit Certificate and generate a refund certificate of the same value as the Bank Credit Certificate, so that the second terminal can obtain the funds of the corresponding Bank Credit Certificate returned by the first terminal according to the refund credential, so that the transaction funds can be returned when the transaction fails and the first terminal in the return process does not need to know the information of the second terminal users, the Funds-Management server intelligently generates the refund certificate for the second terminal according to the Bank Credit Certificate information, so that the account information of the first and second terminals is secured and the refund operation is simplified.
[13] Another object of the present invention is to provide a data interaction processing method, a data interaction processing system, and a data interaction processing device.
[14] A data interaction processing method provided by the present invention, the method includes: the first terminal delivers a request for generating a second data certificate corresponding to the first data certificate to the First Server, where the first data certificate is the quantitative tool for the pre-established data association relationship between the Second terminal and Second Server; and the First Server responds to the generated request and establishes the data association relation with the data value of the First data certificate, which is equal to the data value of the First data certificate; he First Server generates the second data certificate that is equal in size to the data value of the first data certificate; and the First terminal receives the information of the second data certificate delivered by the First Server.
[15] Another data interaction processing method provided by the present invention, the method includes: The First Server receives a request for generating a second data certificate corresponding to a first data certificate delivered by a first terminal, where the first data certificate is a quantization tool that is a pre-established data association relationship between a second terminal and a Second Server; In response to the generation request, establishing a data association with the data size of the first data certificate that is equal to the data value of the first data certificate; and generating the second data certificate with the same data value as the first data certificate, and delivers the information of the second data certificate to the first terminal.
[16] An example of the present invention provides a data interaction processing system, where the system includes: a second terminal is used apply for a first data certificate from a Second Server; the Second Server, in response to an application from the second terminal, establish a data association relationship with the second terminal, and generate the first data certificate whose data value is equal to a data value of the establishment association of the second terminal; and a first terminal is used to deliver the generation request of the second data certificate corresponding to the First data certificate to First Server, First Server is used to respond to the generated request and establish data association relation between the data value of the first terminal and the first data certificate and generates the second data certificate which is equal to the data value of the first data certificate, and delivers the information of the second data certificate to the first terminal.
[17] A device for data interaction processing provided by the present invention includes: a receiving module is used to receive a generation request of the second data certificate corresponding to the first data certificate delivered by the first terminal, wherein the first data certificate is a quantification tool that is a pre-established data association relationship between a second terminal and a Second Server; and an establishing module, configured to, in response to the generation request is used to establish a data association with the first terminal equal to a data value of the first data certificate in response to the generation request; A generating module is used to generate the second data certificate that is equal in size to the data value of the first data certificate, and deliver the second data certificate to the first terminal Information.
[18] In the above data interaction processing method, the data interaction system, and the data processing device, after receiving the data corresponding to the first data certificate applied for by the second terminal, the first terminal may deliver the data generated by the first terminal to the First Server to generate the first data certificate corresponding to the second data certificate request, the First Server establishes a data association with the second terminal equal to the data value of the first data certificate in response to the generation request, and generates a second data equivalent value so that the second terminal can obtain the data returned by the first terminal according to the second data certificate so that data interaction between the first terminal and the second terminal is achieved and the first terminal does not need to provide the second terminal during the refunding process, First Server directly generates a second data certificate for the second terminal according to the first data certificate, thereby ensuring the user information of the first terminal and the second terminal are secure, and the operation is simplified.
[19] [Brief Description]
[20] Figure 1 is a schematic flowchart of an online fund management method in a first example of the present invention.
[21] Figure 2 is a schematic structural diagram of an online fund management system in an example of the present invention;
[22] Figure 3 is a flow chart of a method for online fund management in a second example of the present invention;
[23] Figure 4 is a flow chart of sub-steps of the method step S12 shown in Figure 3;
[24] Figure 5 is a schematic structural diagram of a funds management service in the first example of the present invention;
[25] Figure 6 is a schematic flow chart of a data interaction processing method in a first example of the present invention;
[26] Figure 7 is a schematic structural diagram of a data interaction processing system in an example of the present invention;
[27] Figure 8 is a schematic flowchart of a data interaction processing in a second example of the present invention;
[28] Figure 9 is a schematic structural diagram of a data interaction processing device in a first example of the present invention;
[29] [Description of the Preferred Examples]
[30] In the following description, in order to illustrate, not to qualify, specific details such as specific system structure, interfaces, and technology are presented to make a thorough understanding of this application. However, technical personnel in this field should be aware that this application can be implemented in other implementation ways without these specific details. In other instances, omit the detailed instructions on the well-known devices, circuits, and methods to avoid unnecessary details that prevent the description of the application.
[31] Please refer to Figure 1, which is a schematic flowchart of an online fund management method according to a first example of the present invention. Please refer to Figure 2, in combination with the schematic diagram of the structure of the online funds management system, the method flow shown in this example includes the following steps:
[32] S11: the first terminal delivers a request for generating a refund certificate for a Bank Credit Certificate to the first Funds-Management server.
[33] Wherein, the Bank Credit Certificate applies to the second Funds-Management server by the second terminal with its user's account funds or credit line as the guarantee and is generated by the second Funds-Management server, and payment certificate of electronic credit commitment is committed to settle according to the agreed conditions.
The credit limit may be, for example, a credit limit granted by the second Funds-Management server to a second terminal user or a real fund corresponding to the second terminal user's mortgage on the second Funds-Management server.
The credit limit may be, for example, a credit limit granted by the second Funds-Management server to a second terminal user or a real fund corresponding to the second terminal user's mortgage on the second Funds-Management server.
[34] The Bank Credit Certificate is used for online fund management of the first terminal and the second terminal. The second terminal delivers the Bank Credit Certificate to the first Funds-Management server and designates the first terminal as the acquirer to obtain the corresponding. If the transaction succeeds, the first terminal requests for solution, and the second Funds-Management server responds to the settlement request to equalize the value of the second terminal frozen by the first Funds-Management server with the value of the Bank Credit Certificate. The funds are transferred to the first terminal user's account through the first Funds-Management server.
[35] When the first terminal finds that the agreed condition is not satisfied after receiving the funds of the second terminal, the first terminal may request to the first Funds-Management server to generate the Bank Credit Certificate if it needs to return the commodity refund documents.
[36] In this example, the first Funds-Management server is specifically an account management server of the first terminal, and the second Funds-Management server is specifically an account management server of the second terminal.
[37] S12: In response to the generation request, the first Funds-Management server may freeze funds in the account of the first terminal user that is equal to the value of the Bank Credit Certificate.
[38] Wherein, the generation request includes the information of the Bank Credit Certificate such as an identification code. The first Funds-Management server stores information of all bank credit certificates received by the first terminal, including an identification code of the bank credit certificate, an initiator, a producer, and a value, and the value is the funds or credit limit for the sponsor's account that the producer of the Bank Credit Certificate has frozen for generating the Bank Credit Certificate. The first Funds-Management server can determine, according to the identification code in the generation request, a Bank Credit Certificate associated with the refund document, that is, a refund document corresponding to which Bank Credit Certificate. The first Funds-Management server retrieves the value of the determined Bank Credit Certificate locally and the funds that are equivalent to the Bank Credit Certificate corresponding to the refund certificate in the account of the first terminal user are frozen accordingly.
[39] Optionally, as shown in Figure 3, the foregoing S12 specifically includes the following substeps:
[40] S121: the first Funds-Management server determines whether the Bank Credit Certificate is in the settlement state in response to the generation request.
[41] Wherein, the solution status is that the first Funds-Management server unfreezes and allocates the equal value of the Bank Credit Certificate corresponding to the refund document to the account of the first terminal user. The information stored in the Bank Credit Certificate locally by the first Funds-Management server also includes the status information of the Bank Credit Certificate. The first Funds-Management server retrieves the status information of the Bank Credit Certificate and determines whether the Bank Credit Certificate is in the solution status , If yes, execute S122; if not, deliver a notification of bank credit certificate unpaid corresponding to the refund certificate to the first terminal.
[42] S122: the first Funds-Management server determines whether the account funds of the first terminal user is not less than the value of the Bank Credit Certificate. If yes, execute S123;
and if no, deliver a notification that the first terminal user has insufficient funds in the account to the first terminal.
and if no, deliver a notification that the first terminal user has insufficient funds in the account to the first terminal.
[43] S123: the first Funds-Management server freezes value of the Bank Credit Certificate corresponding to the refund certificate in the account of the first terminal user.
[44] S13: the first Funds-Management server generates the refund certificate with the same value as the Bank Credit Certificate.
[45] After freezing the funds of the first terminal user's account with the refund certificate corresponding to the value of the Bank Credit Certificate, the first Funds-Management server determines that the first terminal user has provided a guarantee for the refund document, and generates a refund certificate equal to the frozen value of the funds.
[46] Moreover, according to the corresponding Bank Credit Certificate, the collection server of the refund certificate is set to the producer of the corresponding Bank Credit Certificate, which is the second Funds-Management server, the receiver of the refund certificate is set as the initiator corresponding to the Bank Credit Certificate, that is, the second terminal or the second terminal user.
[47] After the first Funds-Management server generates the refund certificate, the first Funds-Management server delivers the refund certificate to the first terminal.
[48] S14: the first terminal receives the refund certificate delivered by the first Funds-Management server.
[49] This refund certificate functions in the same way as a Bank Credit Certificate. After the first terminal receives the refund certificate information delivered by the first Funds-Management server, the first terminal delivers the refund credential information to the second terminal corresponding to the initiator of the Bank Credit Certificate. When the second terminal requests payment from the second Funds-Management server corresponding to the Bank Credit Certificate, the second Funds-Management server responds to the request for the solution, notifying the first Funds-Management server to release the fund with the same value as the refund certificate in the account of the first terminal user. The first Funds-Management server transfers the unfrozen funds to the account of the second terminal user through the second Funds-Management server, thereby realizing the refund operation of the first terminal to the second terminal.
[50] In the above solution, the first Funds-Management server may be a Funds-Management server of a first bank, and the second Funds-Management server may be a Funds-Management server of a second bank. Alternatively, the first Funds-Management server and the second Funds-Management server may be the same Funds-Management server. The first terminal and the second terminal are a client or execute the client terminal.
Correspondingly, an account of the first terminal is an account of the first terminal user, and an account of the second terminal is an account of a second terminal user.
Correspondingly, an account of the first terminal is an account of the first terminal user, and an account of the second terminal is an account of a second terminal user.
[51] In an application example, a Bank Credit Certificate may refer to a payment certificate of electronic credit commitment that a bank may freeze on the issuer's account or use a credit limit and generate it in the name of a bank, and commits to settle on the agreed terms.
Correspondingly, the basic business process of Bank Credit Certificate: the issuing bank will freeze the required amount of funds according to the issuer's application to generate a Bank Credit Certificate. When the agreed terms for the settlement are reached, the issuing bank will settle the funds for payment settlement.
Correspondingly, the basic business process of Bank Credit Certificate: the issuing bank will freeze the required amount of funds according to the issuer's application to generate a Bank Credit Certificate. When the agreed terms for the settlement are reached, the issuing bank will settle the funds for payment settlement.
[52] For example, the first terminal user is the seller and the second terminal user is the buyer.
The first Funds-Management server corresponds to the Funds-Management server of the seller's account bank. The second Funds-Management server is the Funds-Management server of the buyer's account bank. When the seller deals with the buyer, the seller provides the buyer with the commodity or services, and accordingly, the buyer will apply to the bank for Bank Credit Certificate. For example, the buyer's bank may freeze the amount of funds in the buyer's account, for example 100,000, equal to the amount of the transaction and generate a Bank Credit Certificate. After the seller receives the collection certificate notification of the Bank Credit Certificate such as the receipt of the message, the mail or the dedicated client, the seller applies for a collection certificate from the seller's bank which obtains the Bank Credit Certificate delivered by the buyer's bank and delivers the Bank Credit Certificate information to the seller. After the transaction is completed, the seller applies for the Bank Credit Certificate, the buyer's Bank transfers 100,000 funds from the buyer's account to the seller's account through seller's Bank.
However, the buyer's account funds are still frozen and cannot be used in his account and have not been transferred to the seller until after the seller receives the Bank Credit Certificate, the buyer can still obtain the interest from the frozen funds. Moreover, the Bank Credit Certificate is established in the bank to freeze the buyer's funds as a guarantee, so that the seller's transaction risk is greatly reduced.
The first Funds-Management server corresponds to the Funds-Management server of the seller's account bank. The second Funds-Management server is the Funds-Management server of the buyer's account bank. When the seller deals with the buyer, the seller provides the buyer with the commodity or services, and accordingly, the buyer will apply to the bank for Bank Credit Certificate. For example, the buyer's bank may freeze the amount of funds in the buyer's account, for example 100,000, equal to the amount of the transaction and generate a Bank Credit Certificate. After the seller receives the collection certificate notification of the Bank Credit Certificate such as the receipt of the message, the mail or the dedicated client, the seller applies for a collection certificate from the seller's bank which obtains the Bank Credit Certificate delivered by the buyer's bank and delivers the Bank Credit Certificate information to the seller. After the transaction is completed, the seller applies for the Bank Credit Certificate, the buyer's Bank transfers 100,000 funds from the buyer's account to the seller's account through seller's Bank.
However, the buyer's account funds are still frozen and cannot be used in his account and have not been transferred to the seller until after the seller receives the Bank Credit Certificate, the buyer can still obtain the interest from the frozen funds. Moreover, the Bank Credit Certificate is established in the bank to freeze the buyer's funds as a guarantee, so that the seller's transaction risk is greatly reduced.
[53] However, when the seller obtains the buyer's funds corresponding to the Bank Credit Certificate and the transaction fails due to a commodity reason or other reasons, the seller applies to his bank to generate a refund certificate of the Bank Credit Certificate. The seller's bank receives the seller's application and when it is determined that the seller has received the buyer's 100,000 funds and the account funds has exceeded 100,000, it will freeze the 100,000 funds of the seller's account equal to the value of the Bank Credit Certificate and generate a refund value of 100,000, wherein, the receiving bank of the refund certificate is the buyer's bank to ensure that the refund certificate can be refunded to the buyer of the transaction. In addition, during the process, the seller does not need to know any information about the buyer. The seller's bank obtains the buyer's information and sets the refund document directly according to the corresponding Bank Credit Certificate. This ensures the account privacy of the buyer and the seller and simplifies the operation.
[54] Please refer to Figure 4, which is a schematic flowchart of an online fund management method according to a second example of the present invention. This example is also based on the online funds management system shown in Figure 2. The method flow shown in this example includes:
[55] S41: the first Funds-Management server receives a request for generating a refund certificate of a Bank Credit Certificate delivered by the first terminal.
[56] S42. In response to the generation request, the first Funds-Management server may freeze funds in the account of the first terminal user that is equal to the value of the Bank Credit Certificate.
[57] S43: the first Funds-Management server generates the refund certificate equal to the Bank Credit Certificate and delivers the information of the refund certificate to the first terminal.
[58] Wherein, the Bank Credit Certificate applies to the second Funds-Management server by the second terminal with its user's account funds or credit line as the guarantee and is generated by the second Funds-Management server, and payment certificate of electronic credit commitment is committed to settle according to the agreed conditions.
The first Funds-Management server is specifically an account management server of the first terminal, and the second Funds-Management server is specifically an account management server of the second terminal.
The first Funds-Management server is specifically an account management server of the first terminal, and the second Funds-Management server is specifically an account management server of the second terminal.
[59] The above S42 specifically includes: in response to the generation request, the first Funds-Management server, in determining whether the Bank Credit Certificate is in the settlement state and whether the account funds of the first terminal user is not less than the value of the Bank Credit Certificate, freezing value of the Bank Credit Certificate corresponding to the refund certificate in the account of the first terminal user.
[60] In another example, the online funds management method may further include: when determining that the Bank Credit Certificate is not in the solution state, the first Funds-Management server delivers the refund certificate corresponding to the first terminal to the first terminal. When it is determined that the account funds of the first terminal user is less than the value of the Bank Credit Certificate, notifying the first terminal of the insufficient fund of the account of the first terminal user.
[61] In the above S43, according to the corresponding Bank Credit Certificate, the collection server of the refund certificate is set to the producer of the corresponding Bank Credit Certificate, which is the second Funds-Management server, the receiver of the refund certificate is set as the initiator corresponding to the Bank Credit Certificate, that is, the second terminal or the second terminal user.
[62] In the above solution, the first Funds-Management server and the second Funds-Management server may be Funds-Management servers of the same or different banks. The first terminal and the second terminal are a client or execute the client terminal.
Correspondingly, an account of the first terminal is an account of the first terminal user, and an account of the second terminal is an account of a second terminal user.
Correspondingly, an account of the first terminal is an account of the first terminal user, and an account of the second terminal is an account of a second terminal user.
[63] In an application example, the first terminal user is a seller and the second terminal user is a buyer.
[64] Please refer to Figure 2, which is a schematic structural diagram of an online fund management system according to an example of the present invention. Each device included in the online funds management system in this example is used to execute each step in the example corresponding to Figure 1. The system 20 shown in this example includes a second terminal 21, a first terminal 22, a first Funds-Management server 23 and a second Funds-Management server 24.
[65] The second terminal 21 is used to apply for Bank Credit Certificate to the second Funds-Management server 24 with its user's account funds or credit limit as the deposit.
[66] The second Funds-Management server 24 is used to generate the Bank Credit Certificate in response to the application of the second terminal 21.
[67] The first terminal 22 is used to deliver a request for generating a refund certificate of the Bank Credit Certificate to the first Funds-Management server 23.
[68] The first Funds-Management server 23 is used to respond to the generated request, freezing the funds in the account of the first terminal 22 users equal to the value of the Bank Credit Certificate, and generate a value of the refund Certificate equal to the Bank Credit Certificate, and deliver the information of the refund Certificate to the first terminal 22.
[69] Please refer to Figure 5, which is a Funds-Management server according to the first example of the present invention. Each module included in the Funds-Management server in this example is used to execute each step in the example corresponding to Figure 3. The Funds-Management server 50 shown in this example includes a receiving module 51, an establishing module 52, and a generating module 53. In this example, the Funds-Management server 50 corresponds to a first Funds-Management server in the foregoing example, and the Funds-Management server 50 may operate in a banking system.
[70] The receiving module 51 is used to receive a request for generating a refund certificate for a bank credit certificate delivered by a first terminal, where the Bank Credit Certificate is requested by the second terminal from the second Funds-Management server and generated by the second Funds-Management server with the user's account funds or credit limit as the second terminal.
[71] The establishing module 52 is used to freeze funds in the account of the first terminal user equal to the value of the Bank Credit Certificate in response to the generating request.
[72] The generating module 53 is used to generate the refund certificate whose value is equal to the Bank Credit Certificate, and deliver the information of the refund certificate to the first terminal.
[73] In the above online fund management solution, after receiving the funds of the corresponding Bank Credit Certificate of the second terminal, the first terminal may deliver a request for generating a refund certificate of the Bank Credit Certificate to the first Funds-Management server, in response to the generate request, the first Funds-Management server will freeze funds in the account of the first terminal user equal to the value of the Bank Credit Certificate and generate a refund certificate of the same value as the Bank Credit Certificate, so that the second terminal can obtain the funds of the corresponding Bank Credit Certificate returned by the first terminal according to the refund credential, so that the transaction funds can be returned when the transaction fails and the first terminal in the return process does not need to know the information of the second terminal users, the Funds-Management server intelligently generates the refund certificate for the second terminal according to the Bank Credit Certificate information, so that the account information of the first and second terminals is secured and the refund operation is simplified.
[74] Please refer to Figure 6, it is a schematic flowchart of a data interaction processing method according to a first example of the present invention. Please refer to Figure 7, which is a schematic structural diagram of a data exchange system. The method procedure shown in this example includes:
[75] S61. The first terminal delivers a request for generating a second data certificate corresponding to the first data certificate to the First Server.
[76] Wherein, the first data certificate is a quantitative tool for pre-established data association between the second terminal and Second Server. That is, the first data certificate indicates the data amount of the data association relationship established between the second terminal and the Second Server. The first data certificate is used when the first terminal obtains the first data certificate and delivers a request for obtaining data to the First Server, and the Second Server cancels the data size equal to the data value of the first data certificate with the second terminal and the data in the data unit of the second terminal that has been released from the association is transferred to the data unit of the first terminal by using the First Server.
[77] S62: In response to the generation request, the First Server establishes a data association with the first terminal that is equal in size to the data value of the first data certificate.
[78] Where the generation request includes the identifier of the first data certificate. The First Server stores information of all data certificates received by the first terminal, including the identifier of the data certificate, the data value, and the second terminal and the Second Server that establish the data certificate. The First Server determines a first data certificate associated with the second data certificate according to the identifier carried in the generation request and locally retrieves the data value of the first data certificate and establishes a value corresponding to the first data certificate. For example, the data size of the data unit of the first terminal is equal to the data value of the first data certificate.
[79] Specifically, the above S62 specifically includes: When the first data certificate is in the released state and the data value in the data unit of the first terminal is not less than the data value of the first data certificate, the First Server establishes a connection with the first terminal according to the generation request and the first data certificate data value equal to the size of the data association. Where the released state is a data association between the second terminal and the second terminal that is equal in size to the data value of the first data certificate and transfers the released data to the first terminal through the First Server unit.
[80] In another example, the data interaction method may further include:
When determining that the Bank Credit Certificate is not in the released state, the First Server delivers the first terminal the notification that the first data certificate is not released; and when determining that the data value in the data unit of the first terminal is smaller than the data of the first data certificate value, deliver a notification of insufficient data in the data unit of the first terminal to the first terminal.
When determining that the Bank Credit Certificate is not in the released state, the First Server delivers the first terminal the notification that the first data certificate is not released; and when determining that the data value in the data unit of the first terminal is smaller than the data of the first data certificate value, deliver a notification of insufficient data in the data unit of the first terminal to the first terminal.
[81] S63: the First Server generates the second data certificate that is equal in size to the data value of the first data certificate.
[82] In the above S63, the First Server sets the receiving server of the second data certificate as the second Funds-Management server according to the information corresponding to the first data certificate and sets the receiving terminal of the second data certificate as the Second Server.
[83] S64: the first terminal receives the information of the second data certificate that is delivered by the First Server.
[84] This second data certificate functions in the same way as the first data certificate. After the first terminal receives the second data certificate information delivered by the First Server, the first terminal delivers the second data certificate information to the second terminal.
When the second terminal requests to be disconnected from the Second Server, the Second Server responds to cancel the request, and notify the First Server to relieve the data association relation between the first terminal and the data value of the second data certificate, the First Server transfers the data of the disassociated relation in the data unit of the first terminal to the data unit of the second terminal through the second server, so as to implement data exchange and data refund of the first terminal to the second terminal.
When the second terminal requests to be disconnected from the Second Server, the Second Server responds to cancel the request, and notify the First Server to relieve the data association relation between the first terminal and the data value of the second data certificate, the First Server transfers the data of the disassociated relation in the data unit of the first terminal to the data unit of the second terminal through the second server, so as to implement data exchange and data refund of the first terminal to the second terminal.
[85] Specifically, the first terminal and the second terminal can be a client or a terminal that executes the client. The First Server and Second Server are different servers or the same server. The first Second Server can also be an e-commerce server.
[86] The data interaction processing method in the example of the present invention is described below by way of example.
[87] For example, the first terminal is a terminal used by User A and the second terminal is a terminal used by User B. User B is an administrator for more than one client and has a corresponding password for each client for administrator privileges. Clients can be personal computers, tablets, smart phones and other devices that can exchange data with servers through the network. When User A requests to obtain the password of the administrator authority of one of clients B, such as Client 2, User B applies to Second Server for opening the first data certificate. Wherein, the administrator password of User B
is stored in the Second Server. The first data certificate may be the operation log of User B
when managing Client 2, such as the number of operations, which is used to prove the safety and reliability of user B.
is stored in the Second Server. The first data certificate may be the operation log of User B
when managing Client 2, such as the number of operations, which is used to prove the safety and reliability of user B.
[88] When the Second Server opens the first data certificate, according to the relevant contents of the first data certificate, freeze the user B's authority on client 2. That is, user B will not be able to manage the client 2 by using the corresponding password. At the same time, First Server delivers the first data certificate message to User A. When User A
needs a password for obtaining the administrator rights of Client 2, it delivers a request for obtaining a password to First Server. Second Server obtains the password of the administrator of Client 2 according to the content of the first data certificate, and delivers the password to user A
through the First Server.
needs a password for obtaining the administrator rights of Client 2, it delivers a request for obtaining a password to First Server. Second Server obtains the password of the administrator of Client 2 according to the content of the first data certificate, and delivers the password to user A
through the First Server.
[89] When User A no longer needs the password of the administrator rights of Client 2, it delivers a request to First Server to generate a second data certificate corresponding to the first data certificate. When the First Server determines that the password of the administrator rights of the Client 2 has been delivered to the user A
according to the data certificate and the password of the administrator rights of the Client 2 is stored in the user A, freeze user A's administrator rights on Client 2 and issue a second data certificate and deliver it to Second Server. Wherein, the second data certificate may be an operation log such as an operation count when the User A manages the Client 2.
according to the data certificate and the password of the administrator rights of the Client 2 is stored in the user A, freeze user A's administrator rights on Client 2 and issue a second data certificate and deliver it to Second Server. Wherein, the second data certificate may be an operation log such as an operation count when the User A manages the Client 2.
[90] When User B needs a password for obtaining the administrator privilege of the Client 2, the User B delivers a password obtaining request to Second Server, and the password for obtaining the administrator privilege of Client 2 by the First Server according to the content of the second data certificate, and delivered to User B through Second Server.
[91] Further, data associated with the First Server by the first terminal may also be text data, audio data, video data, program data or financial data in the financial field, etc. If the data is capital data, such as funds, then the first terminal may be a seller, the second terminal may be a buyer, and the server is a Funds-Management server, for example, a bank. If it is audio data, such as a song, the first terminal and the second terminal may be clients having multimedia playing functions such as a mobile phone, and the server is a music website server.
[92] Please refer to Figure 8, a data interaction processing method according to a second example of the present invention is also based on the data interaction processing system shown in Figure 7. The method procedure shown in this example includes:
[93] S81: the First Server receives a request for generating a second data certificate corresponding to the first data certificate delivered by the first terminal.
[94] Wherein, the data certificate is a quantitative tool for pre-established data association between the second terminal and the Second Server.
[95] S82: In response to the generation request, the First Server establishes a data association with the first terminal that is equal in size to the data value of the first data certificate.
[96] Specifically, when the first data certificate is in the released state and the data value in the data unit of the first terminal is not less than the data value of the first data certificate, the First Server establishes a connection with the first terminal according to the generation request and the first data certificate data value equal to the size of the data association, for example, locking the data in the data unit of the first terminal equal in size to the data value of the first data certificate.
[97] In another example, the data interaction method may further include:
When determining that the Bank Credit Certificate is not in the released state, the First Server delivers the first terminal the notification that the first data certificate is not released; and when determining that the data value in the data unit of the first terminal is smaller than the data of the first data certificate value, deliver a notification of insufficient data in the data unit of the first terminal to the first terminal.
When determining that the Bank Credit Certificate is not in the released state, the First Server delivers the first terminal the notification that the first data certificate is not released; and when determining that the data value in the data unit of the first terminal is smaller than the data of the first data certificate value, deliver a notification of insufficient data in the data unit of the first terminal to the first terminal.
[98] S83: the First Server generates the second data certificate that is equal in size to the data value of the first data certificate, and delivers the information of the second data certificate to the first terminal.
[99] Please refer to Figure 7, it is a schematic diagram of a data interaction processing system according to an example of the present invention. The system 70 shown in this example includes a second Terminal 71, a first Terminal 72, a First Server 73, and a Second Server 74.
[100] The second Terminal 71 is used to apply for a first data certificate from the Second Server 74.
[101] The Second Server 74 is used to respond to the application of the second terminal 71, establish data association relationship with the second terminal 71, and generate the first data certificate with the data value equal to the data value of the data association relation of the second terminal 71.
[102] Therefore, the first data certificate may be understood as a quantification tool of a pre-established data association relationship between the second Terminal 71 and the Second Server 74.
[103] The first Terminal 72 is used to deliver a request for generating a second data certificate corresponding to the first data certificate to the First Server 73.
[104] The First Server 73 is used to respond to the generation request, establishing with the first terminal 72 and the first data certificate data value data relationship in the same size, generates the second data certificate which is equal to the data value of the first data certificate, and delivers the information of the second data certificate to the first terminal 72.
[105] Specifically, the First Server and Second Server can be the same server or different servers.
Further, the First Server and Second Server may be an E-commerce Server.
Further, the First Server and Second Server may be an E-commerce Server.
[106] In another example, each terminal of the system 70 and the server are respectively used to execute the steps of the above data interaction processing method, where the first terminal corresponds to the first terminal of the above method, and the second terminal corresponds to the above. The second terminal of the method corresponds to the First Server in the above method, and the Second Server corresponds to the Second Server in the above method.
[107] Please refer to Figure 9, which is a data interaction processing device according to a first example of the present invention. The data interaction processing Device 90 shown in this example includes a receiving module 91, an establishing module 92, and a generating module 93. In this example, the Device 90 corresponds to the First Server in the above example. The Device 90 can be used in a bank system.
[108] The receiving module 91 is used to receive a request for generating a second data certificate corresponding to the first data certificate delivered by the first terminal.
Wherein, the first data certificate is a quantification tool that is a pre-established data association relationship between the second terminal and the Second Server.
Wherein, the first data certificate is a quantification tool that is a pre-established data association relationship between the second terminal and the Second Server.
[109] The establishing module 92 is used to respond to the generation request, the First Server establishes a data association with the first terminal that is equal in size to the data value of the first data certificate.
[110] The generation module 93 is used to generate the second data certificate that is equal in size to the data value of the first data certificate, and deliver the information of the second data certificate to the first terminal.
[111] Optionally, the establishing module 92 is specifically used to respond to the generation request, and when it is determined that the first data certificate is in an unlocked state and the data value in the data unit of the first terminal is not less than the data value of the first data certificate, establish a data association with the first terminal that is equal in size to the data value of the first data certificate.
[112] In another example, the establishing module 92 is also used when determining that the Bank Credit Certificate is not in the released state, the First Server delivers the first terminal the notification that the first data certificate is not released; and when determining that the data value in the data unit of the first terminal is smaller than the data of the first data certificate value, deliver a notification of insufficient data in the data unit of the first terminal to the first terminal.
[113] In the solution above, after receiving the data corresponding to the first data certificate applied for by the second terminal, the first terminal may deliver the data generated by the first terminal to the First Server to generate the first data certificate corresponding to the second data certificate request, the First Server establishes a data association with the second terminal equal to the data value of the first data certificate in response to the generation request, and generates a second data equivalent value so that the second terminal can obtain the data returned by the first terminal according to the second data , certificate so that data interaction between the first terminal and the second terminal is achieved and the first terminal does not need to provide the second terminal during the refunding process, First Server directly generates a second data certificate for the second terminal according to the first data certificate, thereby ensuring the user information of the first terminal and the second terminal are secure, and the operation is simplified.
[114] The above is only an example of the present invention and is not intended to limit the scope of the invention as a matter of limitation, either by way of equivalent construction or equivalent process transformation using the present specification and the accompanying drawings, directly or indirectly used in other related technical fields, which are included in the scope of the patent protection of the present invention.
Claims (12)
- [Claim 1] An online fund management method, its characteristic is that, the method includes the following steps:
The first terminal delivers a request for generating a refund certificate of a Bank Credit Certificate to the first Funds-Management server;
Where the Bank Credit Certificate is requested by a second terminal from a second Funds-Management server and generated by the second Funds-Management server as a guarantee of its user account or credit limit as the second terminal;
In response to the generation request, the first Funds-Management server may freeze funds in the account of the first terminal user that is equal to the value of the Bank Credit Certificate;
The first Funds-Management server generates the refund certificate with the same value as the Bank Credit Certificate;
The first terminal receives the information of the refund certificate delivered by the first Funds-Management server. - [Claim 2] The method according to Claim 1, its characteristic is that, the first Funds-Management server responds to the generated request, and the steps to freeze the value equal to the Bank Credit Certificate in the account of the first end user include:
The first Funds-Management server, in response to the generation request, determines that the Bank Credit Certificate is already in the settlement state and the account funds of the first terminal user is not less than the value of the Bank Credit Certificate, and freeze the same amount of funds as the Bank Credit Certificate in the account of the first terminal user; wherein the solution status is that the first Funds-Management server unfreezes and allocates funds with equal value to the Bank Credit Certificate and transfer to the account of the first terminal user. - [Claim 3] According to any repayment method in Claim 2, the characteristic of repayment methods also includes:
When determining that the Bank Credit Certificate is not in the solution payment state, the first Funds-Management server delivers the first terminal a notification that the Bank Credit Certificate has not been solved;
The first Funds-Management server delivers a notification that the first terminal user has insufficient funds in the account to the first terminal when it is determined that the account of the first terminal user is less than the value of the Bank Credit Certificate. - [Claim 4] The method according to Claim 1, its characteristic is that, after the first Funds-Management server generates the value of the refund certificate equivalent to the Bank Credit Certificate, the method also includes:
The first Funds-Management server sets the receiving server of the refund document as the second Funds-Management server, and sets the acquirer of the refund certificate as the second terminal. - [Claim 5] The method according to any one of claims 1 to 4, its characteristic is that, wherein the first Funds-Management server is a Funds-Management server of a first bank, the second Funds-Management server is Second Bank's Funds-Management server.
- [Claim 6] An online fund management method, its characteristic is that, the method includes the following steps:
The first Funds-Management server receives a request for generating a refund certificate of a Bank Credit Certificate delivered by a first terminal, where the Bank Credit Certificate is requested by the second terminal from the second Funds-Management server and generated by the second Funds-Management server with the user's account funds or credit limit as the second terminal;
Freeze funds in the account of the first terminal user equal to the value of the Bank Credit Certificate in response to the generating request;
Generate the refund certificate whose value is equal to the Bank Credit Certificate, and deliver the information of the refund certificate to the first terminal. - [Claim 7] An online fund management system, its characteristic is that in that the system includes:
The second terminal is used to apply for Bank Credit Certificate to the second Funds-Management server by using the user's account funds or credit limit as the deposit.
The second Funds-Management server is used to generate the Bank Credit Certificate in response to the application of the second terminal;
The first terminal is used to deliver a request for generating a refund certificate of a Bank Credit Certificate to the first Funds-Management server;
The first Funds-Management server is used to respond to the generated request, freezing the funds in the account of the first terminal users equal to the value of the Bank Credit Certificate, and generate a value of the refund Certificate equal to the Bank Credit Certificate, and deliver the information of the refund Certificate to the first terminal. - [Claim 8] A Funds-Management server, its characteristic is that, the server includes:
The receiving module is used to receive a request for generating a refund certificate for a bank credit certificate delivered by a first terminal, where the Bank Credit Certificate is requested by the second terminal from the second Funds-Management server and generated by the second Funds-Management server with the user's account funds or credit limit as the second terminal;
The establishing module is used to freeze funds in the account of the first terminal user equal to the value of the Bank Credit Certificate in response to the generating request;
The generating module is used to generate the refund certificate whose value is equal to the Bank Credit Certificate, and deliver the information of the refund certificate to the first terminal. - [Claim 9] A data interaction processing method, wherein the method comprises:
The First terminal delivers First Server the generation request of the second data certificate corresponding to the First data certificate, where the first data certificate is a quantization tool that is a pre-established data association relationship between the second terminal and the Second Server;
In response to the generation request, the First Server establishes a data association with the first terminal that is equal in size to the data value of the first data certificate;
The First Server generates the second data certificate that is equal in size to the data value of the first data certificate;
The first terminal receives the information of the second data certificate that is delivered by the First Server. - [Claim 10] A data interaction processing method, wherein the method comprises:
The First Server receives a request for generating a second data certificate corresponding to a first data certificate delivered by a first terminal, where the first data certificate is a quantization tool that is a pre-established data association relationship between a second terminal and a Second Server;
In response to the generation request, establishing a data association relationship with the first terminal that is equal in size to the data value of the first data certificate;
Generate the second data certificate that is equal in size to the data value that is equal to the first data certificate, and deliver the information of the second data certificate to the first terminal. - [Claim 11] A data interaction processing system, its characteristic is that, the system includes:
The second terminal is used to apply for the first data certificate from the Second Server;
The Second Server is used to respond to the application of the second terminal, establish data association relationship with the second terminal, and generate the first data certificate with the data value equal to the data value of the data association relation of the second terminal;
The first Terminal is used to deliver a request for generating a second data certificate corresponding to the first data certificate to the First Server;
The First Server is used to respond to the generation request, establishing a data association with the data size of the first data certificate that is equal to the data value of the first data certificate; and generating the second data certificate with the same data value as the first data certificate, and delivers the information of the second data certificate to the first terminal. - [Claim 12] A data interaction processing device, its characteristic is that, the device includes:
The receiving module is used to receive a request for generating a second data certificate corresponding to a first data certificate delivered by a first terminal, where the first data certificate is a quantization tool that is a pre-established data association relationship between a second terminal and a Second Server;
An establishment module is used to respond to the generation request, the First Server establishes a data association with the first terminal that is equal in size to the data value of the first data certificate;
The generation module is used to generate the second data certificate that is equal in size to the data value of the first data certificate, and deliver the information of the second data certificate to the first terminal.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084571 WO2017012004A1 (en) | 2015-07-21 | 2015-07-21 | Online funds management method, data interaction processing method, and device and system therefor |
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| CA2993532A Withdrawn CA2993532A1 (en) | 2015-07-21 | 2015-07-21 | Online funds management method, data interaction processing method, and device and system therefor |
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| CN (1) | CN106462855A (en) |
| CA (1) | CA2993532A1 (en) |
| WO (1) | WO2017012004A1 (en) |
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| CN112334937A (en) * | 2019-06-04 | 2021-02-05 | 海付移通科技香港有限公司 | Refund method, transaction system, account system and storage medium |
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| US6477513B1 (en) * | 1997-04-03 | 2002-11-05 | Walker Digital, Llc | Method and apparatus for executing cryptographically-enabled letters of credit |
| WO2002008980A1 (en) * | 2000-07-26 | 2002-01-31 | Fujitsu Limited | Electronic money transaction system |
| AU2003277346A1 (en) * | 2002-10-10 | 2004-05-04 | Intercomputer Corporation | Secure electronic payment messaging system with reconcilable finality |
| CN101567070A (en) * | 2008-04-24 | 2009-10-28 | ***股份有限公司 | Method and system for processing transaction data and payment system |
| CN102760259B (en) * | 2011-04-27 | 2016-05-11 | 阿里巴巴集团控股有限公司 | A kind of on-line payment method and apparatus |
| CN103186852A (en) * | 2011-12-31 | 2013-07-03 | 乐活在线（北京）网络技术有限公司 | Payment method, payment device and payment system of networked transaction |
| US8676709B2 (en) * | 2012-07-31 | 2014-03-18 | Google Inc. | Merchant category codes in a proxy card transaction |
| US20140143146A1 (en) * | 2012-11-20 | 2014-05-22 | Prakash George PASSANHA | Systems and methods for generating and using a token for use in a transaction |
| CN103841171B (en) * | 2012-11-27 | 2017-06-23 | 阿里巴巴集团控股有限公司 | A kind of method for processing business and equipment |
| CN103827903A (en) * | 2013-03-18 | 2014-05-28 | 深圳市银信网银科技有限公司 | Internet payment method and system |
| CN103942690A (en) * | 2014-04-25 | 2014-07-23 | 天地融科技股份有限公司 | Data security interactive system |
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- 2015-07-21 CA CA2993532A patent/CA2993532A1/en not_active Withdrawn
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112334937A (en) * | 2019-06-04 | 2021-02-05 | 海付移通科技香港有限公司 | Refund method, transaction system, account system and storage medium |
| CN112334937B (en) * | 2019-06-04 | 2024-05-24 | 海付移通科技香港有限公司 | Refund method, transaction system, account system and storage medium |
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| CN106462855A (en) | 2017-02-22 |
| WO2017012004A1 (en) | 2017-01-26 |
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