CA3063551C - Data processing method and system for substituted issuing of electronic certificate, and money management server - Google Patents

Data processing method and system for substituted issuing of electronic certificate, and money management server Download PDF

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CA3063551C
CA3063551C CA3063551A CA3063551A CA3063551C CA 3063551 C CA3063551 C CA 3063551C CA 3063551 A CA3063551 A CA 3063551A CA 3063551 A CA3063551 A CA 3063551A CA 3063551 C CA3063551 C CA 3063551C
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information
data
funds
computer server
request
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CA3063551A1 (en
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Yi Zhang
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10353744 Canada Ltd
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10353744 Canada Ltd
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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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

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

Abstract

Disclosed is a data processing method comprising: a first money management server sends to a data request terminal a first data message for pre-issuing a certificate; the first money management server receives a second data request message requesting payment by another party returned by the data request terminal and generated on the basis of the first data request for pre-issuing a certificate; and after receiving from a second money management server a message that an account is frozen or line of credit is expended to the value of issued certificate, first money management server issues an electronic certificate. Also disclosed are a data processing system for substituted issuing of an electronic certificate and a first money management server.
Technical solution includes issuance of an electronic certificate on the basis of freezing the account money or line of credit of another party, thereby improving the user experience.

Description

DATA PROCESSING METHOD AND SYSTEM FOR SUBSTITUTED ISSUING OF
ELECTRONIC CERTIFICATE, AND MONEY MANAGEMENT SERVER
Technical Field [0001] The present application relates to the technical field of computer data processing, and in particular, to a data processing method and system for opening electronic certificate and a Funds-Management server.
[0002] Background Technology
[0003] With the continuous development of computers, networks and modern communication technology, E-commerce applications have also gradually entered into tens of thousands of households and become one of the familiar transactions. E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informatization, reducing the cost of the transaction and improving the efficiency of the transaction.
[0004] However, in the current application of E-commerce, the transfer of funds mainly depends on the traditional way of electronic direct transfer payment and third-party payment. The transaction is too single and some of the potential business needs in the market cannot be met. In E-commerce business, when the third party is willing to pay for the purchase of electronic bills by the buyer, the procedure is complicated and inconvenient to the user.
[0005] Summary of the Invention
[0006] The present application provides a data-processing method, system and Funds-Management server on behalf of open electronic certificate.
[0007] According to a first aspect of the present application, the present application provides a data processing method on behalf of an electronic certificate, including:
[0008] The first Funds-Management server delivers the pre-issuing card first data information to the data requesting terminal;
[0009] The first Funds-Management server receives the second request data received by the data requesting terminal, which is generated by the pre-opening first data information, and is paid by others.
[0010] The first Funds-Management server receives the frozen account issued by the second Funds-Management server to open the credit line or to use the credit line information to issue the electronic certificate.
[0011] In the above method, the first Funds-Management server delivers the pre-issuing card-first data information to the issuing terminal, and further includes:
[0012] The first Funds-Management server receives the issuing request data information delivered by the data requesting terminal, and the first data information is generated according to the data information of the issuing request.
[0013] According to a second aspect of the present application, the present application provides a data processing method for opening an electronic certificate, including:
[0014] The first Funds-Management server delivers the pre-issuing card first data information to the data requesting terminal;
[0015] The data requesting terminal generates second request data information for requesting payment from another user according to the pre-issuing first data information, and delivers the second request data information to the first Funds-Management server, where the second request data information includes the amount of payment requested by others;
[0016] The data requesting terminal generates information to notify other people and delivers it to the data processing terminal.
[0017] The data processing terminal is entrusted with the second Funds-Management server for payment;
[0018] The second Funds-Management server freezes the amount of the opening credits or the credit limit, and generates the first Funds-Management server;
[0019] The first Funds-Management server receives the frozen information and opens an electronic certificate.
[0020] In the above method, the first Funds-Management server delivers the pre-issuing card-first data information to the issuing terminal, and further includes:
[0021] The first Funds-Management server receives the issuing request data information delivered by the issuer and generates the pre-issuing certification first data information according to the issuing request data information.
[0022] In the above method, before the data processing terminal entrusts the second Funds-Management server to pay for it, the method specifically includes:
[0023] The data processing terminal confirms whether to agree to the payment;
[0024] If yes, the data processing terminal is entrusted with the second Funds-Management server for payment;
[0025] Otherwise, the process ends.
[0026] In the above method, after receiving the freeze information, the first Funds-Management server further includes:
[0027] Enter the second Funds-Management server information, the data is synchronized to the data processing terminal and data requesting terminal.
[0028] According to a third aspect of the present application, the present application provides a data processing method for opening an electronic certificate, including:
[0029] The issuing bank delivers the pre-issuing card first data information to the data requesting terminal;
[0030] The data requesting terminal generates second request data information for requesting payment from another person according to the pre-issuance first data information, and delivers the second request data information to the issuing bank, where the second request data information includes the amount of payment requested by others;
[0031] The data requesting terminal generates information to notify other people and delivers it to the data processing terminal.
[0032] The data processing terminal entrusts others to pay on behalf of the payment line;
[0033] The other person pays the amount of the fund or the amount of the credit for the freezing account, and generates the issuing bank of the freezing information notice;
[0034] The issuing bank receives the frozen information and opens electronic certificate.
[0035] According to a fourth aspect of the present application, the present application provides a golden management server, which includes a delivering module, a receiving module, and a processing module. The delivering module is used to deliver pre-issuing card first data information to a data requesting terminal; the receiving module is used to receive the second request data information that is requested to be paid by another person and delivered by the data requesting terminal and generated according to the pre-opening certification first data information; and the processing module is used to receive the frozen account opening amount or the credit line information delivered by second Funds-Management server, and issue electronic certificate.
[0036] According to a fifth aspect of the present application, the present application provides a data processing system for opening an electronic certificate, including a first Funds-Management server, a data requesting terminal, a second Funds-Management server and payment terminals of others;
[0037] The first Funds-Management server is used to deliver pre-issuing card first data information to the data requesting terminal;
[0038] The data requesting terminal is used to generate second request data information for requesting payment from another user according to the pre-issuing first data information, and delivers the second request data information to the first Funds-Management server, where the second request data information includes the amount of payment requested by others;
[0039] The data requesting terminal is used for generating information to other people and delivers it to the data processing terminal;
[0040] The data processing terminal is used to entrust with the second Funds-Management server for payment;
[0041] The second Funds-Management server is used to freeze the amount of the opening credits or the credit limit, and generates the first Funds-Management server;
[0042] The first Funds-Management server receives the frozen information and opens an electronic certificate.
[0043] In the above system, the data processing terminal is also used to confirm whether the consent payment is accepted, and if yes, the data processing terminal entrusts the second Funds-Management server to pay for it; otherwise, the process ends.
[0044] As a result of the adoption of the above technical scheme, the beneficial effect of this application is that:
[0045] In the example of the present application, since the first Funds-Management server receives data requesting terminal delivers the request of others pay the second request data information, after receiving the amount of the frozen account issued by the second Funds-Management server and the credit line information, open an electronic certificate, and the user of the application applies for the establishment of an electronic certificate.
However, on the basis of freezing funds or credit under other accounts, the issuer and the payer must have the same problem in opening electronic payment bills in the existing technology. The applicant is different from the payer, which facilitates users and improves user experience.
[0046] Brief Description
[0047] Figure 1 is a flow chart of an example of an electronic certificate data processing method of the present application;
[0048] Figure 2 is a flow chart of another example of the data processing method of the present application for opening an electronic certificate;
[0049] Figure 3 is a flow chart of another example of the data processing method of the present invention for opening an electronic certificate;
[0050] Figure 4 is a flow chart of another example of the data processing method of the present invention for opening an electronic certificate;
[0051] Figure 5 is a flowchart of a Funds-Management server according to an example of the present application;
[0052] Figure 6 is a schematic structural diagram of the data processing system of the present application for opening an electronic certificate in an implementation manner.
[0053] Description of the Preferred Examples
[0054] The present application will be further described in detail below with reference to the accompanying drawings through specific examples.
[0055] The electronic certificate is the electronic commitment payment certificate which the bank undertakes to pay the funds according to the agreed terms, it refers to the electronic certificate issued by the bank according to the amount of funds or credit limit required by the application of the applicant, and the bank undertakes to handle the payment and settlement in accordance with the agreed terms.
[0056] The usual business process for electronic certificate is the issuing bank freeze the required amount of funds in accordance with the issuer's application to open an electronic certificate, and after receiving the certificate from the receiving bank, the issuing bank pay and settle the payment by the issuing bank to the receiving bank.
[0057] Example 1:
[0058] As shown in Figure 1, the data processing method of the present application for opening an electronic certificate, an example of the data processing method includes the following steps:
[0059] Step 102: the first Funds-Management server delivers the pre-issuing card-first data information to the data requesting terminal. The first Funds-Management server is a bank issuing bank server, and the first data information of the pre-issuing card is generated according to the issuing terminal data of the issuing request.
[0060] The issuing request includes the issuer's identity information and payment account information. It can also include information such as the recipient's name, cellphone, email, ID card, WeChat, QQ number and other information that can be used by the recipient, the recipient's account (deposit account), so that facilitate the recipient to receive timely electronic certificate.
[0061] Step 104: the first Funds-Management server receives the second request data information that is delivered by the requesting terminal and is requested to be paid by another person according to the pre-opening verification first data information. The second request data information includes an amount for requesting payment from another person and other people's account information.
[0062] On the basis of On the basis of the first opening data, input other people's information, such as mobile phone number, mailbox, WeChat and so on, which can connect other people's communication information, so as to generate second request data for others to pay. Specifically, the second request data information may include an amount for requesting payment.
[0063] Step 106: the first Funds-Management server receives the frozen account issued by the second Funds-Management server to open the credit line or to use the credit line information to issue the electronic certificate.
[0064] In an implementation manner, before step 102, the method further includes the following steps:
[0065] The first Funds-Management server receives the issuing request data information delivered by the issuer and generates the pre-issuing certification first data information according to the issuing request data information.
[0066] Example 2:
[0067] As shown in Figure 2, the data processing method of the present application for opening an electronic certificate, an example of the data processing method includes the following steps:
[0068] Step 202: the first Funds-Management server delivers the pre-issuing card-first data information to the data requesting terminal.
[0069] Step 204: the data requesting terminal generates second request data information for requesting payment from another user according to the pre-issuing first data information, and delivers the second request data information to the first Funds-Management server, where the second request data information includes the amount of payment requested by others.
[0070] Step 206: the data requesting terminal generates the information to notify other people and delivers it to the data processing terminal.
[0071] Step 208: the data processing terminal is entrusted with the second Funds-Management server for payment.
[0072] In an implementation manner, step 208 may specifically include:
[0073] The data processing terminal confirms whether to agree to the payment;
[0074] If yes, the data processing terminal is entrusted with the second Funds-Management server for payment;
[0075] Otherwise, the process ends.
[0076] Step 210: the second Funds-Management server freezes the amount of the opening credits or the credit limit, and generates the first Funds-Management server.
[0077] Step 212: the first Funds-Management server receives the frozen information and opens an electronic certificate.
[0078] After receiving the freeze information, the first Funds-Management server may further include the following steps: entering the second Funds-Management server information, the data is synchronized to the data processing terminal and data requesting terminal.
[0079] In an implementation manner, before step 202, the method may further include:
[0080] The first Funds-Management server receives the issuing request data information delivered by the issuer and generates the pre-issuing certification first data information according to the issuing request data information. As shown in Figure 3, another example of the data processing method of the present invention for opening an electronic certificate includes the following steps:
[0081] Step 302: the data requesting terminal generates the issuing request.
[0082] In general, the data requesting terminal is the terminal used by the buyer. The issuing request may include the issuer's identity information and payment account information.
It can also include the information of the designated collector, such as the recipient's name, mobile phone, email, ID card, micro-signal, QQ number and other information corresponding to the receiver, the receiver's account number, such as the deposit account number, through this collection of information, it is convenient for the issuer to receive electronic certificate in time. The buyer may also not specify the recipient, so that anyone who obtains the electronic certificate can receive the electronic certificate.
[0083] Step 304: the issuing bank receives the issuing request data information, obtains the information in the data information, generates the pre-issuing card first data information, and delivers it to the data requesting terminal. The issuing bank verifies the issuer's identity information in advance. The verification at this place may have the following situations: the first verification situation refers to whether the issuer has the account opening information at the issuing bank, and the second verification situation refers to whether the issuing applicant is valid or not, that is, real-name certification, it does not require the issuer in the first Funds-Management server must have an account;
the third verification refers to determine whether the applicant has a bad credit record. Is it a white list or a blacklist user, etc.
[0084] Step 306: the data requesting terminal receives the pre-issuing card first data information.
[0085] On the basis of pre-issuing of the first data information, input other people's information, such as mobile phone number, mailbox, WeChat and so on, which can connect other people's communication information, so as to generate second request data for others to pay. The second request data information may include information such as the amount requested to be paid.
[0086] Step 308: the data requesting terminal generates the information that notifications other people's payment and notifications to others through the communication information of others. The notification information here can be a link, an image or an audio file.
[0087] Step 310: the data processing terminal receives the notification message and decides whether to agree on behalf of the payment? If yes, then step 312 is executed.
On the contrary, the process is ended, and the result is fed back to the client or the data processing terminal is reselected, and then it is determined whether to agree to pay.
[0088] Step 312: the data processing terminal selects the second Funds-Management server, and requests the second Funds-Management server to pay for it. The entrustment information may include the amount of the entrusted payment. An understandable form in which the payer has been authenticated, password operated, and fully authorized to operate the payment line.
[0089] Step 314: the second Funds-Management server receives the entrustment information of the data processing terminal, freezes the credit limit of the opening of the account or supports the credit line, generates the frozen information, and delivers the frozen information to the first Funds-Management server. If debit card is used, the funds in the debit card will be frozen, such as the use of credit cards, and the credit card is frozen for use.
[0090] Step 316: the first Funds-Management server receives the freezing information of the payment line, inputs the payment line information, and synchronizes the data to all parties, and at the same time, issues an electronic certificate.
[0091] After receiving the electronic certificate, the user fulfils the conditions attached by the electronic certificate and can request the payment bank to be defrosted and allocated. If the payment bank cannot be carried out in time, the bank is paid by the issuing bank, and the first Funds-Management server will be recourse to the payment bank.
[0092] If a user goes to a bank and requests for deposit funds or credit lines under others' accounts as a basis, the deposit funds or credit lines in his account are frozen and an electronic certificate is opened. To put it simply, let others create electronic certificate on behalf of. The user may need to spend money at the time when he or she doesn't have any funds or credit card amount at the time, so friends are required to pay for it in the form of electronic certificate, on the one hand, make sure that when the transaction is not completed, the amount of funds or credit card is in the friend's account, and maximize the loss of savings of friends. On the other hand, because friends know the true use of funds, they may be more willing to help turn around in this form.
Or parents make good financial habits for their children, and when they need to buy commodity, this kind of payment can be made on behalf of another person by paying the electronic certificate, so that children can avoid squandering and help parents guide children to establish good spending habits.
[0093] In this application, a user may apply for opening an electronic certificate at a bank and ask others to freeze the funds or credit under his account for payment. In this way, a new mode of payment has been added to boost the economic and social activities, provides an application scenario that enriches the financial payment tools and provides a favourable tool for the development of E-commerce. It should be noted that the first Funds-Management server and the second Funds-Management server in the office may be the same bank or not, that is to say, the first Funds-Management server and others freeze the funds or credit banks can be the same bank may not be the same bank.
[0094] Example 3:
[0095] As shown in Figure 4, another example of the data processing method of the present invention for opening an electronic certificate includes the following steps:
[0096] Step 402: the first data information of the pre-issuing card is delivered to the opening terminal by the issuing bank.
[0097] Step 404: the issuing terminal generates second request data information for requesting payment from another person according to the pre-issuing first data information, and delivers the second request data information to the issuing bank.
[0098] Step 406: the issuing terminal generates the information that notifies others to pay and delivers it to the other person's payment terminal.
[0099] Step 408: Others pay the terminal to entrust others to pay for the payment.
[0100] Step 410: the other person pays the amount of the fund or the amount of the credit for the freezing account, and generates the issuing bank of the freezing information notice.
[0101] Step 412: the issuing bank receives the information about the amount of the freezing and issuing funds or the credit limit information, and issues an electronic certificate.
[0102] Example 4:
[0103] Figure 5 is a flowchart of a Funds-Management server according to an example of the _ present application. In this example, the Funds-Management server is the first Funds-Management server, that is, the issuing bank server. The Funds-Management server 10 includes a delivering module 11, a receiving module 12 and a processing module 13. The delivering module 11 is used to deliver the pre-issuing first data information to a data requesting terminal. The receiving module 13 is used to receive second request data that is generated according to the pre-issuing first data information and is delivered by a requesting data terminal information, and the second request data information includes the amount of money requested to be paid by others; and the processing module 13 is used to receive the information of the amount of the credit card issuing limit or the credit limit information of the frozen account delivered by the second Funds-Management server and issue the electronic certificate.
[0104] In an implementation manner, the processing module 13 is also used to receive the issuing request data information delivered by the data requesting terminal, and generate the pre-issuing certification first data information according to the issuing request data information.
[0105] Example 5:
[0106] Figure 6 is a schematic structural diagram of the data processing system of the present application for opening an electronic certificate in an implementation manner.
It includes a first Funds-Management server 10, a data requesting terminal 30, a second Funds-Management server 20 and a data processing terminal 40. A first Funds-Management server 10 is used for delivering pre-issuing data information to a data requesting terminal; a data requesting terminal is used for generating second request data information for requesting payment from others according to the pre-issuing data information and delivering to the first Funds-Management server, the second request data information includes the amount requested to be paid by others. The data requesting terminal 30 is used to generate and notify the data processing terminal 40 of the information for notifying others of the payment. The data processing terminal 40 is used to entrust the second Funds-Management server 20 to pay for it. The second Funds-Management server20 is used to freeze the amount of the opening credits or the credit limit, and generates the first Funds-Management server. The first Funds-Management serverl 0 is also used for receiving the freezing information and issuing an electronic certificate.
[0107] In an implementation manner, the data processing terminal 10 is also used to confirm whether the consent payment is accepted, and if yes, the data processing terminal entrusts the second Funds-Management server 20 to pay on behalf of the terminal;
otherwise, the process ends.
[0108] In an implementation, the first Funds-Management server 10 is also used to receive the issuing request data information delivered by the data requesting terminal 30 and generate the pre-issuing certification first data information according to the issuing request data information.
[0109] The first Funds-Management server 10 can also be used for entering the second Funds-Management server 20 information and synchronizing the data to the data processing terminal 40 and the data requesting terminal 30.
[0110] The foregoing is a further detailed description of the present application in conjunction with specific implementation manners, and it should not be considered that the specific implementation of the present application is limited to these descriptions.
For the general technical personnel in the technical field of this application, a number of simple deduction or replacement can be made without leaving the application of the invention.

Claims (35)

CLAIMS:
1. A data processing system of computers, the system comprising:
a first funds management computer server;
a data requesting computer teiminal;
a second funds management computer server; and a data processing computer terminal;
wherein the first funds management computer server is configured to:
deliver pre-issuing first data information to the data requesting computer terminal;
receive a request for electronic payment that is generated according to the pre-issuing first data information and delivered by the data requesting computer terminal; and receive freeze information from the second funds management computer server to open an electronic certificate according to the freeze information;
wherein the data requesting computer terminal is configured to:
generate the request for electronic payment according to the pre-issuing first data information;
deliver the request for electronic payment to the first funds management computer server, wherein the request includes a payment amount;
receive information of at least one other person input by a buyer;
generate and deliver a notification to the data processing computer terminal to inform the at least one other person of the request for electronic payment;

wherein the data processing computer terminal is configured to commission the second funds management computer server to make an electronic payment on behalf of the at least one other person in response to receiving the notification; and wherein the second funds management computer server is configured to:
freeze a credit amount in an account of the at least one other person, generate the freeze information and transmit the freeze infounati on to the first funds management computer server in response to being commissioned by the data processing computer terminal; and unfreeze the credit amount to make the electronic payment when terms of the electronic certificate are met;
wherein if the second funds management server cannot make the electronic payment, the electronic payment is made by the first funds-management server according to the electronic certificate.
2. The system of claim 1 wherein the second funds management computer server is a paying bank computer server.
3. The system of claim 1 wherein the first funds management computer server is an issuing bank computer server.
4. The system of any one of claims 2 to 3 wherein the first funds management computer server and the second funds management computer server can be from the same bank or from different banks.
5. The system of claim 1 wherein the data processing computer terminal is further configured to confirm whether the electronic payment was accepted.
6. The system of claim 5 wherein the data processing computer terminal is configured to commission the second funds management computer server to make the electronic payment in response to confirming that that the electronic payment was accepted.
7. The system of claim 5 wherein when the electronic payment was not accepted the system stops.
8. The system of any one of claims 1 to 7 wherein the request for electronic payment includes an issuer's identity.
9. The system of any one of claims 1 to 8 wherein the request for electronic payment includes a payment account information.
10. The system of any one of claims 1 to 9 wherein the request for electronic payment includes a recipient name.
11. The system of any one of claims 1 to 10 wherein the request for electronic payment includes a recipient mobile phone number.
12. The system of any one of claims 1 to 11 wherein the request for electronic payment includes a recipient email address.
13. The system of any one of claims 1 to 12 wherein the request for electronic payment includes a recipient driver's license number.
14. The system of any one of claims 1 to 13 wherein the request for electronic payment includes a WeChat account number.
15. The system of any one of claims 1 to 14 wherein the request for electronic payment includes a recipient social media site's account.
16. The system of any one of claims 1 to 15 wherein the request for electronic payment includes a recipient debit account number.
17. The system of any one of claims 1 to 16 wherein the electronic certificate is an electronic commitment payment certificate.
18. The system of any one of claims 1 to 17 wherein the electronic certificate is used by a bank to undertake to pay electronic funds according to an agreed condition.
19. The system of any one of claims 1 to 18 wherein the request for electronic payment includes a recipient cell phone number.
20. The system of any one of claims 1 to 19 wherein the request for electronic payment includes a recipient mailbox.
21. The system of any one of claims 1 to 20 wherein the request for electronic payment includes a recipient chat account.
22. A funds management computer server comprising:
a delivering computer module;
a receiving computer module; and a processing computer module;
wherein the delivering computer module is configured to deliver pre-issuing first data information to a data requesting computer terminal;

wherein the receiving computer module is configured to receive a request for payment data information that is generated according to the pre-issuing first data information and delivered by the data requesting computer terminal;
wherein the processing computer module is configured to use a frozen account issued by a second funds management computer server to open a credit line and to use credit line information to issue an electronic certificate; and wherein if the second funds management server cannot make an electronic payment when terms of the electronic certificate are met, the electronic payment is made by a first funds-management server according to the electronic certificate.
23. The funds management computer server of claim 22 wherein the processing module is further configured to generate pre-issuing certification first data information.
24. The funds management computer server of claim 22 wherein the processing module is further configured to receive issuing request data information delivered by the data requesting computer terminal.
25. A data processing computer-implemented method for replacing an electronic certificate, the method comprising:
delivering first data information of pre-issuing certificate from a first funds management computer server to a data requesting computer tertninal;
receiving, at the first funds management computer server, a request for electronic payment from the data requesting computer terminal, wherein the request for electronic payment is created in accordance with the first data information of pre-issuing certificate;
at a second funds management computer server, freezing a credit amount in an account of the at least one person, generating freeze information and transmitting the freeze information to the first funds management computer server;
receiving the freeze information at the first funds management computer server;
opening an electronic certificate based on the freeze information; and unfreezing the credit amount to make an electronic payment when terms of the electronic certificate are met, wherein if the second funds management computer server cannot make the electronic payment when terms of the electronic certificate are met, the electronic payment is made by the first funds-management computer server according to the electronic certificate.
26. The method of claim 25 further comprising:
receiving, at the first funds management computer server, issuing request data information delivered by the data requesting computer terminal;
generating, at the first funds management computer server, the first data information of pre-issuing certificate according to the issuing request data informati on.
27. The method of any one of claims 25 to 26 wherein the first funds management computer server is an issuing bank computer server.
28. The method of any one of claims 25 to 27 wherein the electronic certificate is an electronic commitment payment certificate.
29. The method of any one of claims 25 to 28 wherein the electronic certificate is used by a bank to undertake to pay electronic funds according to an agreed condition.
30. A data processing computer-implemented method for replacing an electronic certificate, the method comprising:
delivering first data information of pre-issuing certificate from a first funds management computer server to a data requesting computer teirninal;
generating a request for payment data information at the data requesting computer terminal, wherein the request for payment data information is configured for requesting electronic payment according to the first data information of pre-issuing certificate;
delivering the request for payment data information from the data requesting computer terminal to the first funds management computer server;
receiving at the data requesting computer terminal, information of at least one other person input by a buyer generating a payment notification information at the data requesting computer terminal;
delivering the payment notification information from the data requesting computer terminal to a data processing computer terminal to inform the at least one other person of the request;
commissioning a second funds management computer server to make an electronic payment on behalf of the at least one other person from the data processing computer terminal;

freezing a credit amount in an account of the at least one other person at the second funds management computer server;
generating freeze information at the second funds management computer server;
transmitting the freeze information from the second funds management computer server to the first funds management computer server;
receiving the freeze information at the first funds management computer server;
opening an electronic certificate at the first funds management computer server based on the freeze information;
unfreezing the credit amount by the second funds management computer server to make the electronic payment when terms of the electronic certificate are met, wherein if the second funds management computer server cannot make the electronic payment, the electronic payment is made by the first funds-management computer server according to the electronic certificate.
31. The method of claim 30, wherein the payment notification infonnation is a link, an image or an audio file.
32. The method according to claim 30 further comprising:
receiving, at the first funds management computer server, issuing request data information delivered by the data requesting computer terminal;
generating, at the first funds management computer server, the first data information of pre-issuing certificate according to the issuing request data informati on.
33. The method of any one of claims 30 to 32 further comprising:
confirming the electronic payment at the data processing computer terminal and commissioning the second funds management computer server for electronic payment in response to the electronic payment being confirmed.
34. The method of any one of claims 30 to 32 further comprising:
attempting to confirm the electronic payment at the data processing computer terminal and ending a transaction when the electronic payment is not confirmed.
35. The method of claim 30 further comprising:
entering a second funds management computer server information;
synchronizing the second funds management computer server information to the data processing computer terminal and the data requesting computer terminal.
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