CN106372932A - Online fund management method, apparatus and system, and data interaction processing method, apparatus and system - Google Patents
Online fund management method, apparatus and system, and data interaction processing method, apparatus and system Download PDFInfo
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- CN106372932A CN106372932A CN201510431891.0A CN201510431891A CN106372932A CN 106372932 A CN106372932 A CN 106372932A CN 201510431891 A CN201510431891 A CN 201510431891A CN 106372932 A CN106372932 A CN 106372932A
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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
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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
The invention discloses an online fund management method, apparatus and system, and a data interaction processing method, apparatus and system. The online fund management method comprises the following steps: a first terminal sending a generation request of a refund certificate of a bank credit certificate to a first fund management server; the first fund management server, in response to the generation request, freezing a fund equal to the value of the bank credit certificate in an account of a first terminal user; the first fund management server generating the refund certificate whose value is equal to the bank credit certificate; and the first terminal receiving information of the refund certificate sent by the first fund management server. Through such a mode, a transaction fund can be returned when a transaction fails, and two transaction sides do not have to provide account information of the opposite side.
Description
Technical field
The present invention relates to fund management method, data are handed in e-commerce field, more particularly to line
Mutually processing method and its device, system.
Background technology
With the development of Internet technology especially development of Mobile Internet technology, user can be by moving
Equipment using the modes such as 2g, 3g, 4g or wifi connect the Internet be traded, the activity such as social activity,
By Internet technology, user easily and effectively can carry out Above-the-line, and this is cannot to compare under line
The experience intended.But, during carrying out online trading, due to commodity or other reasonses and not
When can complete transaction, need to return the fund of payment.Thus it is necessary to provide based on the friendship on line
Easily method, and transaction funds can be returned in Fail Transaction.
Further, because user can realize the data interaction of various ways by the Internet, by
This is it is necessary to provide based on the data interactive processing method on line.
Content of the invention
It is an object of the invention to provide fund management method and relevant apparatus, system, energy on line
Enough realizations return transaction funds in Fail Transaction, and both parties need not provide reciprocal account to believe
Breath.
Fund management method on a kind of line that the present invention provides, methods described includes: first terminal to
First capital management server sends the generation request of the reimbursement voucher of silver letter card, wherein, described silver
Letter card is provided as guarantee fund to second using the account fund of its user or the accrediting amount for second terminal
Golden management server application and by second capital management server generate；Described first capital management
Server responds described generation and asks, and freezes demonstrate,proving with described silver letter in the account of first terminal user
Equipollent fund；Described first capital management server generating value and described silver letter card phase
Deng described reimbursement voucher；And described first terminal receives described first capital management server and sends out
The information of the described reimbursement voucher sending.
Fund management method on another kind of line that the present invention provides, methods described includes: the first fund
Management server receives the generation request of the reimbursement voucher of silver letter card that first terminal sends, wherein,
Described silver letter card for second terminal using the account fund of its user or the accrediting amount as guarantee fund to
Second capital management server application and by second capital management server generate；Respond described life
Become request, freeze the equipollent money with described silver letter card in the account of first terminal user
Gold；The generating value described reimbursement voucher equal with described silver letter card, and send out to described first terminal
Send the information of described reimbursement voucher.
Fund management system on a kind of line that the present invention provides, described system includes: second terminal,
For using the account fund of its user or the accrediting amount as guarantee fund to the second capital management service
Device application silver letter card；Described second capital management server, for responding the Shen of described second terminal
Please, generate described silver letter card；First terminal, described for sending to the first capital management server
The generation request of the reimbursement voucher of silver letter card；Described first capital management server, for responding
State generation request, freeze equipollent with described silver letter card in the account of first terminal user
Fund, and the generating value described reimbursement voucher equal with described silver letter card, to described first terminal
Send the information of described reimbursement voucher.
Capital management server on a kind of line that the present invention provides, described server includes: receives mould
Block, for receiving the generation request of the reimbursement voucher of the silver letter card of first terminal transmission, wherein, institute
State silver letter card for second terminal using the account fund of its user or the accrediting amount as guarantee fund to the
Two capital management server applications and by second capital management server generate；Set up module, use
Ask in responding described generation, freeze the valency with described silver letter card in the account of first terminal user
It is worth equal fund；Generation module, for the generating value described reimbursement equal with described silver letter card
Voucher, and the information of described reimbursement voucher is sent to described first terminal.
To reach the standard grade in upper fund management method and its relevant apparatus, system, first terminal can receive
To after the fund of the corresponding silver letter card of second terminal, generating to the first capital management server transmission should
The request of the reimbursement voucher of silver letter card, the first capital management server responds this generation request, freezes
Believe with this silver in the account of first terminal user and demonstrate,prove equipollent fund, and generate and this silver letter card
The reimbursement voucher of equal value, so that second terminal can obtain first terminal according to this reimbursement voucher move back
The fund of corresponding silver letter card also, therefore achieve and can return transaction funds in Fail Transaction, and
In product return process, first terminal need not understand the information of second terminal user, directly by capital management
Server generates the reimbursement voucher for second terminal according to silver letter card information intelligent, therefore ensure that the
First, the accounts information safety of second terminal, and simplify reimbursement operation.
Another object of the present invention is to providing data interactive processing method, data interaction processing system
System and data interaction processing meanss.
A kind of data interactive processing method that the present invention provides, methods described includes: first terminal to
First server sends the generation request of the corresponding second data voucher of the first data voucher, wherein,
Described first data voucher is to be that the data pre-building between second terminal and second server is closed
The quantification tool of connection relation；The response of described first server is described to generate request, sets up and described the
The equal-sized data correlation relation of data value with described first data voucher between one terminal；
Described first server generates equal-sized with the data value of described first data voucher described the
Two data vouchers；And described first terminal receives described second number that described first server sends
Information according to voucher.
Another kind of data interactive processing method that the present invention provides, methods described includes: first service
Device receives the generation request of the corresponding second data voucher of the first data voucher that first terminal sends,
Wherein, described first data voucher is to be the number pre-building between second terminal and second server
Quantification tool according to incidence relation；Response is described to generate request, sets up and described first terminal between
The equal-sized data correlation relation of data value with described first data voucher；Generate with described
The equal-sized described second data voucher of the equal data value of first data voucher, and to described
One terminal sends the information of described second data voucher.
A kind of data interaction processing system that the present invention provides, described system includes: second terminal,
For to second server application the first data voucher；Described second server, described for responding
The application of second terminal, sets up the data correlation relation and described second terminal between, and generates number
It is equal to described first data of the data value setting up data correlation relation of described second terminal according to value
Voucher；First terminal, for sending described first data voucher corresponding second to first server
The generation request of data voucher；Described first server, asks for responding described generation, sets up
The equal-sized data of data value with described first data voucher and described first terminal between
Incidence relation, and generate described second number equal-sized with the data value of described first data voucher
According to voucher, send the information of described second data voucher to described first terminal.
A kind of data interaction processing meanss that the present invention provides, described device includes: receiver module,
Generation for receiving the corresponding second data voucher of the first data voucher of first terminal transmission please
Ask, wherein, described first data voucher is is to pre-build between second terminal and second server
Data correlation relation quantification tool；Set up module, ask for responding described generation, set up
The equal-sized data of data value with described first data voucher and described first terminal between
Incidence relation；Generation module, equal in magnitude with the data value of described first data voucher for generating
Described second data voucher, and to described first terminal send described second data voucher letter
Breath.
In data above interaction processing method, data interaction system and data processing equipment, the
One terminal can be after receiving the corresponding data of the first data voucher of second terminal application, to first
Server sends the request generating the corresponding second data voucher of this first data voucher, this first clothes
Business device responds this generation request, sets up the number with this first data voucher and this second terminal between
According to being worth equal-sized data correlation relation, and generate the second data voucher of identical data value, with
Make second terminal can obtain, according to the second data voucher, the data that first terminal is returned, therefore realize first
Data interaction between terminal and second terminal, and first terminal need not provide in product return process
The information of two terminals, directly has first server intelligently to be generated according to the first data voucher and is directed to second
Second data voucher of terminal is it is ensured that the user information safety of first, second terminal, and simplifies
Operation.
Brief description
Fig. 1 is that the flow process of fund management method on one of first embodiment of the invention line is illustrated
Figure；
Fig. 2 is the structural representation of fund management system on line in embodiment of the present invention；
Fig. 3 is that the flow process of fund management method on one of second embodiment of the invention line is illustrated
Figure；
Fig. 4 is the sub-step schematic flow sheet of the method and step s12 shown in Fig. 3；
Fig. 5 is the structural representation of the capital management service in first embodiment of the invention；
Fig. 6 is the schematic flow sheet of the data interactive processing method in first embodiment of the invention；
Fig. 7 is the structural representation of the data interaction processing system in embodiment of the present invention；
Fig. 8 is that the flow process of one of second embodiment of the invention data interactive processing method is illustrated
Figure；
Fig. 9 is the structural representation of one of first embodiment of the invention data interaction processing meanss
Figure.
Specific embodiment
By the technology contents of the detailed description present invention, structural features, realized purpose and effect, with
Under the present invention is described in detail in conjunction with the accompanying drawings and embodiments.
Refer to Fig. 1, be the stream of fund management method on a kind of line of first embodiment of the invention
Journey schematic diagram.Please refer to Fig. 2, the structural representation of fund management system on joint line, should
Method flow shown in embodiment comprises the following steps:
S11, first terminal sends the life of the reimbursement voucher of silver letter card to the first capital management server
Become request.
Wherein, this silver letter card is second terminal using the account fund of its user or the accrediting amount as guarantor
Card gold is to the second capital management server application and by the second capital management server generation, and holds
The electronic credit acceptance and guarantee voucher that promise is settled accounts according to agreed terms.This accrediting amount is, for example,
This second capital management server gives the credit line of second terminal user or this second terminal is used
The fund corresponding to real estate that family is mortgaged in this second capital management server.
For capital management on the line of first terminal and second terminal, second terminal is by silver for this silver letter card
Letter card is sent to the first capital management server and specifies first terminal to be to receive card side to obtain accordingly
Commodity or service, if concluding the business successfully, first terminal please solve pay, second capital management clothes
Business device responds this solution and pays request, the second terminal that this first capital management server is freezed with this
Silver letter is demonstrate,proved equipollent fund and is transferred to first terminal user by the first capital management server
Account in.
When first terminal is after receiving the fund of this second terminal, find that being unsatisfactory for it arranges bar
Part, when such as second terminal needs to return commodity, then can generate to the first capital management server request
The reimbursement voucher of this silver letter card.
In the present embodiment, this first capital management server is specially the account management of this first terminal
Server, this second capital management server is specially the account management server of this second terminal.
S12, the first capital management server response is described to generate request, freezes described first terminal
The equipollent fund with described silver letter card in the account of user.
Wherein, this generation request includes the information such as identification code of this silver letter card.First capital management
The information of all silver letter cards that the first terminal that is stored with server receives, including the mark of silver letter card
Know code, initiator, generation side and value etc., this value is the generation side of this silver letter card is to generate
The fund of promoter account or the accrediting amount that this silver letter is demonstrate,proved and freezed.First capital management server
Can determine that the silver letter card of this reimbursement voucher association according to the identification code in this generation request, that is, correspond to
The reimbursement voucher of which silver letter card.First capital management server is locally transferring the silver letter of this determination
Card value, and accordingly freeze in the account of first terminal user with this corresponding silver of reimbursement voucher
Equipollent fund demonstrate,proved by letter.
Alternatively, as shown in figure 3, above-mentioned s12 specifically includes following sub-step:
S121: the first capital management server responds this generation request, judges whether this silver letter card is located
Pay state in solution.
Wherein, this solution pays state is this first capital management server by this corresponding silver of reimbursement voucher
Letter is demonstrate,proved equipollent deblocking of funds and is transferred to the account of this first terminal user.First fund
The locally stored silver-colored status information believing that the information demonstrate,proved also includes this silver letter card of management server, first
Capital management server transfers the status information of this silver letter card, judges whether this silver letter card is in solution and pays
State, if be in, executes s122；If be not at, can send to this first terminal should
Reimbursement voucher corresponding silver letter card does not solve the notice paid.
S122: whether not this first capital management server judges the account fund of first terminal user
Value less than this silver letter card.If it is, execution s123；If it is not, then can be to this first end
End sends the notice of the account fund deficiency of this first terminal user.
S123: this first capital management server freeze in the account of this first terminal user with this
The equipollent fund of reimbursement voucher corresponding silver letter card.
S13, the described reimbursement equal with described silver letter card of the first capital management server generating value
Voucher.
In the account freezing this first terminal user, silver letter card corresponding with reimbursement voucher is worth phase
With fund after, the first capital management server then determine this first terminal user be this reimbursement with
Card provides cover, and generates the reimbursement voucher equal with the value of resource freezing.
And, the information that the first capital management server is demonstrate,proved according to corresponding silver letter, by this reimbursement voucher
Receipts demonstrate,prove server and be set to the generation side of corresponding silver letter card namely above-mentioned second capital management service
Device, the card side of receiving of this reimbursement voucher is set to the corresponding silver-colored initiator namely above-mentioned second believing card eventually
End or this second terminal user.
First capital management server, after generation completes this reimbursement voucher, sends through this reimbursement voucher
To first terminal.
S14: first terminal receives the letter of this reimbursement voucher of this first capital management server transmission
Breath.
This reimbursement voucher is same with the function phase of silver letter card.Receive the first capital management clothes in first terminal
After this reimbursement credential information that business device sends, this reimbursement credential information is sent to correspondence by first terminal
The initiator of silver letter card is second terminal.The generation side demonstrate,proving to corresponding silver letter in second terminal is second
When capital management server request solution is paid, the second capital management server responds this solution and pays request, leads to
Know this first capital management server thaw this first terminal user account in this reimbursement voucher
Equipollent fund, this fund thawed is passed through the second fund pipe by the first capital management server
Reason server is transferred in the account of this second terminal user, and then achieves first terminal to second
The reimbursement operation of terminal.
In such scheme, this first capital management server can be the capital management service of Bank One Corp.
Device, this second capital management server can be the capital management server of secondary bank.Or, should
First capital management server and this second capital management server can be also same fund pipe
Reason server.This first terminal and second terminal are a client or the end executing this client
End, accordingly, the account of this first terminal is the account of this first terminal user, second terminal
Account is the account of second terminal user.
In an Application Example, silver-colored Xin Zhengkezhi bank according to the application frozen capital of opener or
The accrediting amount of drawing simultaneously is generated with bank's name, and promise to undertake the electronics settled accounts according to agreed terms
Credit acceptance and guarantee voucher.Accordingly, this silver letter card basic service flow process: Opening Bank is according to opening
The application of witness freezes required number fund to generate silver letter card, when agreement solution is paid condition and is reached,
By Opening Bank, fund solution is paid and handle payment and settlement.
Continue with and with reference to example, fund management method on line of the present invention is illustrated, for example, the
One terminal use is the seller, and second terminal user is buyer, and the first capital management server corresponds to
The capital management server of the account bank of the seller, the second capital management server is the account of buyer
The capital management server of bank.When the seller and buyer are traded, sell direction by commodity or
Service is supplied to buyer, and correspondingly, buyer is to its bank application silver letter card.Buyer bank freezes to buy
The fund equal with dealing money for example, 100,000 in square account, and generate silver letter card.The seller receives
Demonstrate,prove after the collection information notifying as note, mail or special client to withholding of this silver letter card,
Receive card to selling bank application, selling bank obtains this silver letter that buyer bank sends and demonstrate,proves and by this silver
Letter card information is sent to the seller.After completion of transactions, this silver is believed card Xie Fuhou by seller's application, buys
100,000 funds under the buyer account freezing are transferred to the account of the seller by Fang Yinhang by selling bank
Under family.Wherein, before paying to application solution after the seller receives this silver letter card, the account money of buyer
Gold is still to be frozen in its account to use, and is not transferred to the seller, therefore buyer still can obtain jelly
The interest that knot fund is brought.And this silver letter card sets up the fund conduct in its bank freezing buyer
Ensure so that the transaction risk of the seller substantially reduces.
However, when the seller obtain buyer to should silver letter card fund after, due to commodity reason or
Other reasonses lead to Fail Transaction, then sell its bank of direction application generate this silver letter demonstrate,prove reimbursement with
Card, selling bank receive the seller application and determine the seller have been received by buyer 100,000 funds and
When its account fund is more than 100,000, freeze to demonstrate,prove equipollent 100,000 with this silver letter in seller account
Fund, and generate the reimbursement voucher of 100,000 value, wherein, the receipts card behavior of this reimbursement voucher is bought
Fang Yinhang, receipts witness is buyer, to guarantee that this reimbursement voucher being capable of the buyer that concludes the business to this of reimbursement.
And, in the process, the seller need not know any information of buyer, the direct basis of selling bank
Corresponding silver letter card obtains buyer data and is correspondingly arranged reimbursement voucher it is ensured that the account of both parties
Privacy, and simplify operation.
Refer to Fig. 4, be the flow process of fund management method on the line in second embodiment of the invention
Schematic diagram.This embodiment is equally based on fund management system on the line shown in Fig. 2, this embodiment party
Method flow shown in formula includes:
S41, the first capital management server receives the reimbursement voucher of the silver letter card that first terminal sends
Generation request.
S42, the first capital management server responds this generation request, freezes this first terminal user
Account in this silver letter card equipollent fund.
S43, the first capital management server generating value this reimbursement voucher equal with this silver letter card,
And the information of this reimbursement voucher is sent to this first terminal.
Wherein, this silver letter card is second terminal using the account fund of its user or the accrediting amount as guarantor
Card gold is to the second capital management server application and by the second capital management server generation, and holds
The electronic credit acceptance and guarantee voucher that promise is settled accounts according to agreed terms.This first capital management takes
Business implement body is the account management server of this first terminal, and this second capital management services implement body
Account management server for this second terminal.
Above-mentioned s42 specifically includes, and the first capital management server responds this generation request, is judging
This silver letter card is in solution pair state and whether the account fund of first terminal user is not less than this silver letter
During the value of card, freeze the silver letter corresponding with this reimbursement voucher in the account of this first terminal user
The equipollent fund of card.
In another embodiment, on this line, fund management method may also include that the first capital management
Server judge this silver letter card be not in solution pay state when, to this first terminal send this reimbursement with
Card corresponding silver letter card does not solve the notice paid；Being less than in the account fund judging first terminal user should
During the value of silver letter card, send the account fund deficiency of this first terminal user to this first terminal
Notify.
In above-mentioned s43, the information that the first capital management server is demonstrate,proved with specific reference to corresponding silver letter,
The receipts of this reimbursement voucher are demonstrate,proved the generation side namely above-mentioned second that server is set to corresponding silver letter card
Capital management server, the card side of receiving of this reimbursement voucher is set to the initiator that corresponding silver letter is demonstrate,proved
I.e. above-mentioned second terminal or second terminal user.
In such scheme, this first capital management server and the second capital management server can be phase
The capital management server of same or different bank.This first terminal and second terminal are a client
End or the terminal executing this client, accordingly, the account of this first terminal is this first terminal
The account of user, the account of second terminal is the account of second terminal user.
In an Application Example, this first terminal user is the seller, and this second terminal user is to buy
Side.
Refer to Fig. 2, be the structural representation of fund management system on the line of embodiment of the present invention.
Each device that on the line of the present embodiment, fund management system comprises is used for executing the corresponding embodiment of Fig. 1
In each step.System 20 shown in this embodiment includes: second terminal 21, first terminal 22,
First capital management server 23 and the second capital management server 24.
Second terminal 21 is used for using the account fund of its user or the accrediting amount as guarantee fund to the
Two capital management servers 24 apply for silver letter card.
Second capital management server 24 is used for responding the application of described second terminal 21, generates institute
State silver letter card.
First terminal 22 is used for sending the reimbursement of described silver letter card to the first capital management server 23
The generation request of voucher.
First capital management server 23 is used for responding described generation request, freezes first terminal 22
The equipollent fund with described silver letter card in the account of user, and generating value and described silver
The equal described reimbursement voucher of letter card, sends the letter of described reimbursement voucher to described first terminal 22
Breath.
Refer to Fig. 5, be a kind of capital management server of first embodiment of the invention.This reality
Apply each module that the capital management server of example comprises and be used for executing in the corresponding embodiment of Fig. 3 and respectively walk
Suddenly.Capital management server 50 shown in this embodiment includes receiver module 51, sets up module
52 and generation module 53.In the present embodiment, this capital management server 50 correspond to above-mentioned
The first capital management server in embodiment, and this capital management server 50 may operate at
In one banking system.
This receiver module 51 is used for receiving the generation of the reimbursement voucher of silver letter card of first terminal transmission
Request, wherein, described silver letter card is made with the account fund of its user or the accrediting amount for second terminal
For guarantee fund to the second capital management server application and by the second capital management server generation.
This is set up module 52 and is used for responding described generation request, freezes the account of first terminal user
In with described silver letter card equipollent fund.
This generation module 53 is used for the generating value described reimbursement voucher equal with described silver letter card,
And the information of described reimbursement voucher is sent to described first terminal.
In the scheme of capital management on above-mentioned line, first terminal can receive the correspondence of second terminal
After the fund of silver letter card, send the reimbursement voucher generating this silver letter card to the first capital management server
Request, the first capital management server respond this generation request, freeze the account of first terminal user
In family with this silver believe demonstrate,prove equipollent fund, and generate with this silver letter demonstrate,prove equal value reimbursement with
Card, so that second terminal can obtain, according to this reimbursement voucher, the corresponding silver letter card that first terminal is returned
Fund, therefore achieve and can return transaction funds in Fail Transaction, and first in product return process
Terminal need not understand the information of second terminal user, directly by capital management server according to silver letter card
Information intelligent generates the reimbursement voucher for second terminal, therefore ensure that the account of first, second terminal
Family information security, and simplify reimbursement operation.
Refer to Fig. 6, be a kind of stream of data interactive processing method of first embodiment of the invention
Journey schematic diagram.Please refer to Fig. 7, it is the structural representation of data interaction system, this embodiment party
Method flow shown in formula includes:
S61, first terminal to first server send corresponding second data of the first data voucher with
The generation request of card.
Wherein, this first data voucher is the number pre-building between second terminal and second server
Quantification tool according to incidence relation.That is, this first data voucher represents second terminal and second service
The data volume of built vertical data correlation relation between device.This first data voucher is used in first terminal
When obtaining this first data voucher and sending the request of acquisition data to first server, second service
Device releases the equal-sized number of data value with described first data voucher and second terminal between
According to incidence relation, and the data by the relation of disassociation above-mentioned in the data cell of this second terminal
It is transferred in the data cell of first terminal by first server.
S62, first server response is described to generate request, sets up and described first terminal between
The equal-sized data correlation relation of data value with described first data voucher.
Wherein, this generation request includes the mark of this first data voucher.Store in first server
There is the information of all data vouchers that first terminal receives, including the mark of this data voucher, number
The second terminal according to value and setting up this data voucher and second server.First server is according to this
Generate the mark carrying in request and determine the first data voucher associating with the second data voucher, and
Locally transfer the data value of this first data voucher, and accordingly set up and this first terminal between with
The equal-sized data correlation relation of data value of this first data voucher, for example, lock this first end
The equal-sized data of data value with this first data voucher in the data cell at end.
Specifically, above-mentioned s62 specifically includes: first server response is described to generate request, is judging
The data value that this first data voucher is in releasing state and the data cell of first terminal is not little
When the data value of this first data voucher, set up and this first terminal between with this first data
The equal-sized data correlation relation of data value of voucher.Wherein, this releasing state is second service
The data value with this first data voucher that device has released and this second terminal between is equal-sized
Data correlation relation, and the data that this is released is transferred to the number of first terminal by first server
According to unit.
In another embodiment, this data interactive method may also include that first server is judging
When this silver letter card is not in releasing state, sends this first data voucher to this first terminal and do not release
Notice；Data value in the data cell judging first terminal is less than this first data voucher
During data value, data deficiencies in the data cell sending from this first terminal to this first terminal logical
Know.
S63, first server generate equal-sized with the data value of this first data voucher this
Two data vouchers.
In above-mentioned s63, first server, will with specific reference to the information of corresponding first data voucher
This second data voucher receipts card server be set to this second capital management server, by this second
The receipts card terminal of data voucher is set to this second server.
S64, first terminal receives the letter of the described second data voucher that described first server sends
Breath.
The function phase of this second data voucher and the first data voucher is same.Receive first in first terminal
After this second data credential information that server sends, first terminal is by this second data credential information
It is sent to second terminal.When second terminal is to second server request disassociation, second service
Device respond this releasing request, notify this first server release and this first terminal between with this second
The equal-sized data correlation relation of data value of data voucher, first server is by this first terminal
Data cell in the relation of disassociation data by second server be transferred to this second
In the data cell of terminal, and then achieve first terminal to the data interaction of second terminal and number
According to return.
Specifically, this first terminal and second terminal for a client or can execute this client
Terminal, this first server and second server are different servers, or for same service
Device.This first, second server can also be electric business server.
Below the data interactive processing method in embodiment of the present invention is illustrated.
For example, the terminal that this first terminal uses for user a, this second terminal uses for user b
Terminal.User b is the manager of multiple client, and has a phase for each client
The password answered is used for executing the authority of manager.Client can be personal computer, panel computer,
Smart mobile phone etc. can carry out the equipment of data interaction by network and server.As user a
When request obtains the one of client of the user b such as password of the administrator right of client 2, use
Family b outputs the first data voucher to second server application.Wherein, the administrator's password of user b
All it is saved in second server, when this first data voucher can be user's b management client 2
Operation Log such as number of operations, in order to prove the safe and reliable property of user b.
When second server outputs this first data voucher, the phase according to the first data voucher is inside the Pass
Hold and freeze the administrator right to client 2 for the user b, i.e. user b will be unable to using corresponding
Password is managed to client 2.Meanwhile, this first data credential information is sent out by first server
Give user a.When user a needs the password obtaining the administrator right of this client 2, to
First server sends the request obtaining password, and second server is according to the phase of this first data voucher
Close the password that content obtains the administrator right of client 2, and use is sent to by first server
Family a.
When user a is no longer necessary to the password of manager's claim of this client 2, to first service
Device sends the request generating the corresponding second data voucher of the first data voucher, and first server is being sentenced
Break and the password of manager's claim of this client 2 is sent to by this user a according to this data voucher
And when preserving the password of manager's claim of this client 2 in user a, freeze user a to visitor
The administrator right at family end 2, and output the second data voucher and be sent to second server.Wherein,
This second data voucher can be Operation Log such as number of operations during user's a management client 2.
When user b needs the password obtaining the administrator right of this client 2, to second service
Device sends the request obtaining password, and first server obtains according to the related content of this second data voucher
Obtain the password of the administrator right of client 2, and user b is sent to by second server.
Further, first terminal and first server are set up the data of incidence relation and be can also be literary composition
Funds data of digital data, voice data, video data, routine data or financial field etc., such as
Fruit is funds data, such as fund, then now first terminal can be the seller, and second terminal can be for buying
Side, server is capital management server, for example, bank.If voice data, such as sing
Song, now first terminal and second terminal can be the clients that mobile phone etc. has multi-media player function
End, server is music site server.
Refer to Fig. 8, be a kind of data interactive processing method of second embodiment of the invention, should
Embodiment is equally based on the data interaction processing system shown in Fig. 7, the side shown in this embodiment
Method flow process includes:
S81, first server receives corresponding second number of the first data voucher that first terminal sends
Generation request according to voucher.
Wherein, described data voucher is the data pre-building between second terminal and second server
The quantification tool of incidence relation.
S82, first server response is described to generate request, sets up and described first terminal between
The equal-sized data correlation relation of data value with described first data voucher.
Specifically, first server response is described generates request, is judging that this first data voucher is in
Data value in the data cell of releasing state and first terminal is not less than this first data voucher
During data value, set up the data value size phase with this first data voucher between this first terminal
Deng data correlation relation, for example lock in the data cell of this first terminal with this first data with
The equal-sized data of data value of card.
In another embodiment, this data interactive method may also include that first server is judging
When this silver letter card is not in releasing state, sends this first data voucher to this first terminal and do not release
Notice；Data value in the data cell judging first terminal is less than this first data voucher
During data value, data deficiencies in the data cell sending from this first terminal to this first terminal logical
Know.
S83, first server generates the equal-sized institute of data value with described first data voucher
State the second data voucher, and send the information of described second data voucher to described first terminal.
Refer to Fig. 7, be the structural representation of the data interaction processing system of embodiment of the present invention.
System 70 shown in this embodiment includes: second terminal 71, first terminal 72, first service
Device 73 and second server 74.
Second terminal 71 is used for applying for the first data voucher to second server 74.
Second server 74 is used for responding the application of described second terminal 71, sets up and described second
Data correlation relation between terminal 71, and generate data value building equal to described second terminal 71
The described first data voucher of the data value of vertical data correlation relation.
Therefore, described first data voucher can be understood as second terminal 71 and second server 74 it
Between the quantification tool of data correlation relation that pre-builds.
First terminal 72 is used for sending described first data voucher corresponding the to first server 73
The generation request of two data vouchers.
First server 73 be used for responding described generate request, set up with described first terminal 72 it
Between the equal-sized data correlation relation of data value with described first data voucher, and generate with
The equal-sized described second data voucher of data value of described first data voucher, to described first
Terminal 72 sends the information of described second data voucher.
Specifically, this first server and second server can be identical server it is also possible to
It is different servers.Further, this first server and second server can be electric business
Server.
In another embodiment, each terminal server of system 70 be respectively used to execute above-mentioned
The step of data interactive processing method, wherein, this first terminal corresponds to the first end of said method
End, second terminal corresponds to the second terminal of said method, and this first server corresponds to above-mentioned side
First server in method, this second server corresponds to the second server in said method.
Refer to Fig. 9, be a kind of data interaction processing meanss of first embodiment of the invention, should
Data interaction processing meanss 90 shown in embodiment include receiver module 91, set up module 92 and
Generation module 93.In the present embodiment, this device 90 corresponds in above-mentioned embodiment
One server.Wherein, this device 90 may operate in a banking system.
This receiver module 91 is used for receiving the first data voucher corresponding second of first terminal transmission
The generation request of data voucher.Wherein, described first data voucher is to be second terminal and the second clothes
The quantification tool of the data correlation relation pre-building between business device.
This is set up module 92 and is used for responding described generation request, sets up and described first terminal between
The equal-sized data correlation relation of data value with described first data voucher.
It is equal-sized with the data value of described first data voucher that this generation module 93 is used for generation
Described second data voucher, and the information of described second data voucher is sent to described first terminal.
Alternatively, set up module 92 specifically for respond described generate request, judge this first
Data voucher be in data value in releasing state and the data cell of first terminal be not less than this
During the data value of one data voucher, set up and this first terminal between with this first data voucher
The equal-sized data correlation relation of data value.
In another embodiment, set up module 92 can be additionally used in judge this silver letter card be not in
During releasing state, send this undissolved notice of the first data voucher to this first terminal；Judging
When data value in the data cell of first terminal is less than the data value of this first data voucher, to this
First terminal sends the notice of the data deficiencies in the data cell of this first terminal.
In such scheme, first terminal can receive the first data voucher pair of second terminal application
After the data answered, to first server send generate this corresponding second data of the first data voucher with
Card request, this first server respond this generation request, set up and this second terminal between with
The equal-sized data correlation relation of data value of this first data voucher, and generate identical data value
The second data voucher so that second terminal can according to second data voucher obtain first terminal return
Data, therefore realize the data interaction between first terminal and second terminal, and in product return process
First terminal need not provide the information of second terminal, directly have first server according to the first data with
Card intelligence generates the second data voucher for second terminal it is ensured that the use of first, second terminal
Family information security, and simplify operation.
The foregoing is only embodiments of the present invention, not thereby limit the patent model of the present invention
Enclose, the equivalent structure that every utilization description of the invention and accompanying drawing content are made or equivalent process become
Change, or be directly or indirectly used in other related technical fields, all include in the same manner the present invention's
In scope of patent protection.
Claims (12)
1. on a kind of line fund management method it is characterised in that the method comprising the steps of:
The generation that first terminal sends the reimbursement voucher of silver letter card to the first capital management server please
Ask；Wherein, described silver letter card for second terminal using the account fund of its user or the accrediting amount as
Guarantee fund generates to the second capital management server application and by described second capital management server
's；
Described first capital management server response is described to generate request, freezes described first terminal and uses
The equipollent fund with described silver letter card in the account at family；
The described reimbursement equal with described silver letter card of described first capital management server generating value
Voucher；And
Described first terminal receives the described reimbursement voucher that described first capital management server sends
Information.
2. method according to claim 1 is it is characterised in that described first capital management takes
Being engaged in, device response is described to generate request, freezes believing with described silver in the account of described first terminal user
The step of the equipollent fund of card includes:
Described first capital management server response is described to generate request, judges that described silver letter card is located
Pay state in solution and the account fund of described first terminal user is not less than the value that described silver believes card
When, freeze the equipollent money with described silver letter card in the account of described first terminal user
Gold；Wherein, described solution pays state is that described silver letter card is worth by described first capital management server
Equal deblocking of funds is simultaneously transferred to the account of described first terminal user.
3. method according to claim 2 is it is characterised in that methods described also includes:
Judge described silver letter card be not in described solution pay state when, the first capital management server to
Described first terminal sends described silver letter card and does not solve the notice paid；
When the account fund judging described first terminal user is less than the value of described silver letter card, the
One capital management server sends the account fund of described first terminal user to described first terminal
Not enough notice.
4. method according to claim 1 is it is characterised in that described first capital management takes
After the step of the business device generating value described reimbursement voucher equal with described silver letter card, methods described
Also include:
The receipts of described reimbursement voucher card server is set to described the by the first capital management server
Two capital management servers, the receipts card side of described reimbursement voucher is set to described second terminal.
5. the method according to any one of claim 1-4 is it is characterised in that described first provides
Golden management server is the capital management server of Bank One Corp., described second capital management server
Capital management server for secondary bank.
6. on a kind of line fund management method it is characterised in that the method comprising the steps of:
First capital management server receives the life of the reimbursement voucher of silver letter card that first terminal sends
Become request, wherein, described silver letter card is for second terminal with the account fund of its user or the accrediting amount
Generate to the second capital management server application and by the second capital management server as guarantee fund
's；
Respond described generation to ask, freeze what being believed with described silver in the account of first terminal user was demonstrate,proved
Equipollent fund；
The generating value described reimbursement voucher equal with described silver letter card, and send out to described first terminal
Send the information of described reimbursement voucher.
7. on a kind of line fund management system it is characterised in that described system includes:
Second terminal, for using the account fund of its user or the accrediting amount as guarantee fund to second
Capital management server application silver letter card；
Described second capital management server, for responding the application of described second terminal, generates institute
State silver letter card；
First terminal, for sending the reimbursement voucher of described silver letter card to the first capital management server
Generation request；
Described first capital management server, asks for responding described generation, freezes first terminal
The equipollent fund with described silver letter card in the account of user, and generating value and described silver
The equal described reimbursement voucher of letter card, sends the information of described reimbursement voucher to described first terminal.
8. a kind of capital management server is it is characterised in that described server includes:
Receiver module, the generation for receiving the reimbursement voucher of the silver letter card of first terminal transmission please
Ask, wherein, described silver letter card for second terminal using the account fund of its user or the accrediting amount as
Guarantee fund is to the second capital management server application and by the second capital management server generation；
Set up module, ask for responding described generation, freeze in the account of first terminal user
Equipollent fund with described silver letter card；
Generation module, for the generating value described reimbursement voucher equal with described silver letter card, and to
Described first terminal sends the information of described reimbursement voucher.
9. a kind of data interactive processing method is it is characterised in that methods described includes:
First terminal sends the corresponding second data voucher of the first data voucher to first server
Generate request, wherein, described first data voucher is to be pre- between second terminal and second server
The quantification tool of the data correlation relation first set up；
The response of described first server is described to generate request, set up and described first terminal between with
The equal-sized data correlation relation of data value of described first data voucher；
Described first server generates the equal-sized institute of data value with described first data voucher
State the second data voucher；And
Described first terminal receives the letter of the described second data voucher that described first server sends
Breath.
10. a kind of data interactive processing method is it is characterised in that methods described includes:
First server receive first terminal send corresponding second data of the first data voucher with
The generation request of card, wherein, described first data voucher is be second terminal with second server it
Between the quantification tool of data correlation relation that pre-builds；
Response described generate request, set up and described first terminal between with described first data with
The equal-sized data correlation relation of data value of card；
Generate data value equal-sized described second data equal with described first data voucher
Voucher, and the information of described second data voucher is sent to described first terminal.
A kind of 11. data interaction processing systems are it is characterised in that described system includes:
Second terminal, for second server application the first data voucher；
Described second server, for responding the application of described second terminal, sets up and described second
Data correlation relation between terminal, and generate data value be equal to described second terminal set up data
The described first data voucher of the data value of incidence relation；
First terminal, for sending corresponding second number of described first data voucher to first server
Generation request according to voucher；
Described first server, for respond described generate request, set up with described first terminal it
Between the equal-sized data correlation relation of data value with described first data voucher, and generate with
The equal-sized described second data voucher of data value of described first data voucher, to described first
Terminal sends the information of described second data voucher.
A kind of 12. data interaction processing meanss are it is characterised in that described device includes:
Receiver module, for receiving corresponding second data of the first data voucher of first terminal transmission
The generation request of voucher, wherein, described first data voucher is is second terminal and second server
Between the quantification tool of data correlation relation that pre-builds；
Set up module, for respond described generate request, set up and described first terminal between with
The equal-sized data correlation relation of data value of described first data voucher；
Generation module, equal-sized described with the data value of described first data voucher for generating
Second data voucher, and the information of described second data voucher is sent to described first terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510431891.0A CN106372932A (en) | 2015-07-21 | 2015-07-21 | Online fund management method, apparatus and system, and data interaction processing method, apparatus and system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510431891.0A CN106372932A (en) | 2015-07-21 | 2015-07-21 | Online fund management method, apparatus and system, and data interaction processing method, apparatus and system |
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| Publication Number | Publication Date |
|---|---|
| CN106372932A true CN106372932A (en) | 2017-02-01 |
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|---|---|---|---|
| CN201510431891.0A Pending CN106372932A (en) | 2015-07-21 | 2015-07-21 | Online fund management method, apparatus and system, and data interaction processing method, apparatus and system |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111752942A (en) * | 2019-10-28 | 2020-10-09 | 国网天津市电力公司 | Unknown fund management method and platform thereof |
| WO2020243904A1 (en) * | 2019-06-04 | 2020-12-10 | 海付移通科技香港有限公司 | Refund method, transaction system, account system, and storage medium |
-
2015
- 2015-07-21 CN CN201510431891.0A patent/CN106372932A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2020243904A1 (en) * | 2019-06-04 | 2020-12-10 | 海付移通科技香港有限公司 | Refund method, transaction system, account system, and storage medium |
| 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 |
| CN111752942A (en) * | 2019-10-28 | 2020-10-09 | 国网天津市电力公司 | Unknown fund management method and platform thereof |
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