WO2017011994A1 - Procédé, système et appareil pour configurer des certificats électroniques et traiter un échange de données - Google Patents

Procédé, système et appareil pour configurer des certificats électroniques et traiter un échange de données Download PDF

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Publication number
WO2017011994A1
WO2017011994A1 PCT/CN2015/084561 CN2015084561W WO2017011994A1 WO 2017011994 A1 WO2017011994 A1 WO 2017011994A1 CN 2015084561 W CN2015084561 W CN 2015084561W WO 2017011994 A1 WO2017011994 A1 WO 2017011994A1
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WO
WIPO (PCT)
Prior art keywords
terminal
request information
data
management server
server
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2015/084561
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English (en)
Chinese (zh)
Inventor
张毅
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Shenzhen Cifpay Network Bank Technology Co Ltd
Original Assignee
Shenzhen Cifpay Network Bank Technology Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Shenzhen Cifpay Network Bank Technology Co Ltd filed Critical Shenzhen Cifpay Network Bank Technology Co Ltd
Priority to CN201580012820.5A priority Critical patent/CN106415629A/zh
Priority to CA2993243A priority patent/CA2993243C/fr
Priority to PCT/CN2015/084561 priority patent/WO2017011994A1/fr
Publication of WO2017011994A1 publication Critical patent/WO2017011994A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems

Definitions

  • the present invention relates to the field of electronic commerce, and in particular, to a method, system and device for electronic voucher setting and data interaction processing.
  • E-commerce has become more and more widely used in various commercial trade activities.
  • the so-called e-commerce refers to the online shopping of consumers based on browser and server applications in the open Internet environment of commercial trade activities.
  • the current online electronic payment (network payment) methods mainly include bank online banking payment (including credit card payment) and third party payment.
  • bank online banking payment including credit card payment
  • third party payment third party payment.
  • the credit bottleneck in the settlement process of online electronic payment (network payment) is always an obstacle in the development of e-commerce.
  • the form of third-party payment company guarantee is less risky.
  • the payee will not be able to make changes to the receiving bank until the recipient receives the funds, and cannot change the receiving bank due to abnormal circumstances.
  • the main object of the present invention is to provide a method, system and device for electronic voucher setting and data interaction processing, which can enable a fund or data receiver to set up a server for receiving electronic voucher or data voucher and an account for receiving funds or data, which is beneficial to Improve the efficiency of data interaction.
  • a technical solution adopted by the present invention is to provide a method for setting an electronic voucher, the method comprising: the first terminal transmitting, to the second terminal, first request information for receiving the electronic voucher; wherein the electronic voucher is the first terminal user and the account thereof The funds or the credit line is used as the deposit to apply for the electronic commitment payment certificate generated by the first fund management server and generated by the first fund management server; the second terminal responds to the first request information, sets the second fund management server to receive the electronic certificate, and sets the storage.
  • the funds account of the second fund management server receives the funds equal to the electronic voucher amount, generates the second request information for receiving the electronic voucher according to the above setting, and sends the second request information to the second fund management server; the second fund management server And responding to the second request information, receiving the electronic voucher, and updating the information of the second fund management server and the fund account to the electronic voucher according to the second request information.
  • Another technical solution adopted by the present invention is to provide an electronic voucher setting method, which is applied to a second terminal, and the method includes: receiving, by the second terminal, first request information of the electronic voucher sent by the first terminal; wherein, the electronic credential Providing, by the first terminal user, an electronic commitment payment certificate that is applied to the first fund management server and generated by the first fund management server with the account fund or the credit line of the first terminal user; the second terminal responds to the first request information, and sets the second fund management server Receiving an electronic voucher, and setting a fund account stored in the second fund management server to receive funds equal to the electronic voucher amount, generating second request information for receiving the electronic voucher according to the above setting, and transmitting the second request to the second fund management server Request information.
  • an electronic voucher setting system which includes a first terminal, a second terminal, a first fund management server, and a second fund management server; the first terminal is used to the second terminal Sending the first request information for receiving the electronic voucher; wherein the electronic voucher is an electronic commitment payment voucher that the first end user applies to the first fund management server and is generated by the first fund management server with the account fund or the credit line as the margin;
  • the second terminal is configured to respond to the first request information, set the second fund management server to receive the electronic voucher, and set the fund account stored in the second fund management server to receive the fund equal to the electronic voucher amount, and generate the receiving electronic voucher according to the above setting.
  • the second request information and sending the second request information to the second fund management server;
  • the second fund management server is configured to receive the electronic voucher in response to the second request information, and send the second fund management server and the fund according to the second request information.
  • the account information is updated to the electronic voucher.
  • Another technical solution adopted by the present invention is to provide an electronic voucher setting device, which is applied to a second terminal, the device includes a receiving module, a setting module, a generating module, and a sending module, and the receiving module is configured to receive the receiving sent by the first terminal.
  • the first request information of the electronic voucher wherein the electronic voucher is an electronic commitment payment voucher that is applied by the first fund management server to the first fund management server by using the account fund or credit line of the first terminal user; And in response to the first request information, setting a second fund management server to receive the electronic voucher, and setting a fund account stored in the second fund management server to receive funds equal to the electronic voucher amount; and generating a module for generating the receiving electronic according to the foregoing setting
  • the second request information of the voucher; the sending module is configured to send the second request information to the second fund management server.
  • Another technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the first terminal sending, to the second terminal, first request information for receiving the data credential; wherein the data credential is initiated by the first terminal as data a quantification tool for pre-established data association relationship between the party and the first server; the second terminal responding to the first request information, setting the second server to receive the data voucher, and setting the data account stored in the second server to receive the data voucher Corresponding data, according to the second request information set to receive the data voucher, and sending the second request information to the second server; the second server responds to the second request information, receives the data voucher, and according to the second request information The information of the second server and the data account is updated to the data certificate.
  • Another technical solution adopted by the present invention is to provide a data interaction processing method, which is applied to a second terminal, where the method includes: receiving, by the second terminal, first request information of the received data credential sent by the first terminal; wherein, the data credential Is a quantization tool of the first terminal as a pre-established data association relationship between the data initiator and the first server; the second terminal responds to the first request information, sets the second server to receive the data certificate, and sets the storage in the second server.
  • the data account receives the data corresponding to the data voucher, and sets the second request information to receive the data voucher according to the foregoing, and sends the second request information to the second server.
  • Another technical solution adopted by the present invention is to provide a data interaction processing system, where the system includes a first terminal, a second terminal, a first server, and a second server; the first terminal is configured to send and receive data credentials to the second terminal.
  • the first request information wherein the data credential is a quantification tool of the first terminal as a pre-established data association relationship between the data initiator and the first server;
  • the second terminal is configured to respond to the first request information, and set the second server to Receiving a data voucher, and setting a data account stored in the second server to receive data corresponding to the data voucher, according to the second request information set to receive the data voucher, and transmitting the second request information to the second server;
  • the server is configured to receive the data credential in response to the second request information, and update the information of the second server and the data account to the data credential according to the second request information.
  • a data interaction processing device which is applied to a second terminal
  • the device includes a receiving module, a setting module, a generating module, and a sending module
  • the receiving module is configured to receive the receiving sent by the first terminal.
  • the first request information of the data credential wherein the data credential is a quantification tool of the first terminal as a pre-established data association relationship between the data initiator and the first server
  • the setting module is configured to set the second server in response to the first request information
  • generating a second request information configured to receive the data voucher according to the above
  • the sending module is configured to send to the second server Send the second request message.
  • the first terminal sends the first request information for receiving the electronic credential to the second terminal;
  • the second terminal responds to the first request information, sets the second fund management server to receive the electronic credential, and sets The funds account stored in the second fund management server receives the funds equal to the electronic voucher amount, generates the second request information for receiving the electronic voucher according to the above setting, and sends the second request information to the second fund management server;
  • the second fund management The server receives the electronic voucher and updates the information of the second fund management server and the fund account to the electronic voucher according to the second request information.
  • the present invention enables the second terminal user to arbitrarily set the server that receives the electronic voucher and the account that receives the funds, so that the form of the certificate is more diversified, which is beneficial to improving the interaction efficiency of both parties.
  • the first terminal sends the first request information for receiving the data credential to the second terminal; the second terminal responds to the first request information, sets the second server to receive the data credential, and sets the data account stored in the second server.
  • the present invention can enable the second terminal to arbitrarily set the server that receives the data certificate and the account that receives the data, so that the form of the certificate is more diversified, and the interaction efficiency between the data interaction parties is improved.
  • FIG. 1 is a flow chart of a first embodiment of an electronic voucher setting method of the present invention
  • FIG. 2 is a schematic diagram showing the relationship between the first embodiment of the electronic voucher setting method of the present invention.
  • FIG. 3 is a flow chart of a second embodiment of an electronic voucher setting method of the present invention.
  • FIG. 4 is a schematic structural diagram of an embodiment of an electronic voucher setting system of the present invention.
  • FIG. 5 is a schematic structural diagram of a first embodiment of an electronic voucher setting apparatus according to the present invention.
  • FIG. 6 is a flowchart of a first embodiment of a data interaction processing method of the present invention.
  • FIG. 7 is a flowchart of a second embodiment of a data interaction processing method of the present invention.
  • FIG. 8 is a schematic structural diagram of an embodiment of a data interaction processing system according to the present invention.
  • FIG. 9 is a schematic structural diagram of a first embodiment of a data interaction processing apparatus according to the present invention.
  • FIG. 1 a flow chart of a first embodiment of an electronic voucher setting method of the present invention.
  • FIG. 2 a schematic diagram of a relationship between a first embodiment of an electronic voucher setting method according to the present invention includes:
  • Step 101 The first terminal sends the first request information for receiving the electronic credential to the second terminal.
  • the electronic voucher is an electronic commitment payment voucher that the first end user applies to the first fund management server and is generated by the first fund management server with the account fund or the credit line as the margin.
  • the electronic voucher refers to an electronic credit commitment payment voucher that the first fund management server freezes funds according to the application of the first terminal user or uses the credit line and generates in the name of the first fund management server, and promises to settle according to the agreed conditions.
  • the basic business process of the electronic voucher is: the first fund management server freezes the required amount of funds according to the application of the first terminal user to generate an electronic voucher, and when the agreed settlement condition is reached, the first fund management server releases the funds for payment settlement. .
  • the first terminal is the first request information for receiving the electronic voucher sent to the second terminal, where the first request information includes at least the identification information of the electronic voucher and the request for requesting the second terminal user to receive the electronic voucher.
  • the identification information of the electronic voucher may be an electronic voucher number, a name, or two-dimensional code information representing a specific electronic voucher.
  • the first fund management server sends the request information to the second terminal.
  • the first terminal or the first fund management server may send the first request information to the second terminal by using a short message or a mail, or may send a two-dimensional code information, or may be a first terminal user and a second terminal.
  • the user transmits in person, for example, the second terminal user scans the two-dimensional code generated on the first terminal by using the second terminal.
  • Step 102 The second terminal responds to the first request information, sets a second fund management server to receive the electronic voucher, and sets a fund account stored in the second fund management server to receive funds equal to the electronic voucher amount, and generates and receives according to the above setting.
  • the second request information of the electronic voucher and the second request information is sent to the second fund management server.
  • the second fund management server is configured to receive the electronic voucher
  • the setting of the fund account stored in the second fund management server to receive the funds equal to the electronic voucher amount may be the second terminal user passing the second
  • the terminal setting may also be that the server information for receiving the electronic voucher and the fund account information for receiving the funds equal to the electronic voucher amount are pre-stored in the second terminal, and when receiving the first request information, automatically the same as the set server
  • the money management server ie, the second money management server in the present embodiment
  • the setting process of the second terminal is only used to generate the second request information, and the information in the electronic voucher is not changed. The information of the subsequent update of the electronic voucher needs to be completed by the second step of the second fund management server.
  • the server information of the electronic terminal that is set by the second terminal and the receiving server that sends the second request information by the second terminal are the same fund management server, that is, the second money management server; therefore, in another embodiment
  • the second request information may not include the server information for receiving the electronic voucher.
  • the second fund management server is designated as the electronic voucher by default. Receive server.
  • the method may further include the step of: the second fund management server verifying the second request information, and after the verification is passed, proceeding to step 103.
  • the verifying the second request information may include: verifying whether the second terminal user is legal, whether the account information of the second terminal user is correct, or whether the account is stored in the second fund management server.
  • Step 103 The second fund management server receives the electronic certificate in response to the second request information, and updates the information of the second fund management server and the fund account to the electronic certificate according to the second request information.
  • the second request information includes at least the identification information of the electronic voucher, so that the second fund management server searches for the electronic voucher according to the identification information.
  • the search may be performed by searching in the database of each other fund management server, or by collecting the electronic voucher information held by each fund management server and searching.
  • step 103 after the second fund management server receives the electronic voucher, the status of the electronic voucher may also be verified. After the verification is passed, the information of the second fund management server and the fund account is updated to the electronic voucher according to the second request information. .
  • the status of the electronic voucher is electronic voucher information
  • the electronic voucher information may include information of the first terminal and the first fund management server.
  • the electronic voucher information may further include credit information, clearing information, and time of issuance of the electronic voucher.
  • Validity of course, the time and validity period of the issuance can also be directly replaced by the expiration time.
  • the status of the verification electronic certificate is specifically: the second fund management server determines whether the electronic certificate exceeds the validity period according to the time and validity period of the electronic certificate.
  • the method further includes the step of: the second fund management server transmitting, to the second terminal, feedback information that the electronic voucher is received and the electronic voucher information is updated.
  • the second fund management server receives the funds issued by the first money management server and equal to the value of the electronic certificate, the funds are transferred to the account set by the second terminal in step 102.
  • the first money management server is the money management server of the first bank
  • the second money management server is the money management server of the second bank.
  • the first terminal is the terminal A
  • the first terminal user is the user A
  • the second terminal is the terminal B
  • the second terminal user is the user B.
  • user A When user A needs to transfer 100,000 yuan to user B, user A does not know the account of user B. If the user's account information is queried by telephone or short message, the user A sends the account information directly to the first bank through terminal A. The application for the issuance of the certificate and the generation of the electronic voucher by the first bank, after the completion of the issuance of the certificate, the user A sends the first request information requesting the user B to receive the funds having the same value as the electronic voucher through the terminal A to the terminal B.
  • the terminal B After the terminal B receives the first request information, the user B sets the second bank of the collection behavior through the terminal B, the collection account is the account B, and sends a second request including the receipt information and the collection account information to the second bank. information.
  • the second bank performs the verification according to the second request information, and after receiving the electronic voucher, changes the receiving bank of the electronic voucher to the second bank, and changes the account receiving the funds equal to the electronic voucher amount to the account B.
  • the second bank When the second bank receives the funds issued by the first bank, the funds are transferred to the account B of the user B.
  • the first terminal sends the first request information for receiving the electronic voucher to the second terminal; wherein the electronic voucher is applied to the first fund management server by the first terminal user with the account fund or the credit line as the deposit, and is first An electronic commitment payment voucher generated by the fund management server; the second terminal responds to the first request information, sets a second fund management server to receive the electronic voucher, and sets a fund account stored in the second fund management server to receive the credit amount equal to the electronic voucher amount Funding, generating second request information for receiving the electronic voucher according to the above setting, and sending the second request information to the second fund management server; the second fund management server receives the electronic voucher, and according to the second request information, the second fund management server, The information of the fund account is updated to the electronic voucher.
  • the second end user when the first terminal needs to send the electronic credential to the second terminal, so that the second end user obtains the fund equal to the value of the electronic credential, the second end user can be arbitrarily set to the server that receives the electronic credential and Receiving the fund account of the fund avoids the cumbersome procedure of setting the account by the first terminal, and also ensures that the funds are not sent to the abnormal account by mistake, making the certificate more flexible, and facilitating the second terminal user to select the most convenient way to receive the account.
  • Capital has increased the efficiency of capital interaction.
  • a flowchart of a second embodiment of an electronic voucher setting method according to the present invention is applied to a second terminal, and the method includes:
  • Step 301 The second terminal receives the first request information of the received electronic credential sent by the first terminal.
  • the electronic voucher is an electronic commitment payment voucher that the first end user applies to the first fund management server and is generated by the first fund management server with the account fund or the credit line as the margin.
  • the electronic voucher refers to an electronic credit commitment payment voucher that the first fund management server freezes funds according to the application of the first terminal user or uses the credit line and generates in the name of the first fund management server, and promises to settle according to the agreed conditions.
  • the basic business process of the electronic voucher is: the first fund management server freezes the required amount of funds according to the application of the first terminal user to generate an electronic voucher, and when the agreed settlement condition is reached, the first fund management server releases the funds for payment settlement. .
  • Step 302 The second terminal responds to the first request information, sets a second fund management server to receive the electronic voucher, and sets a fund account stored in the second fund management server to receive funds equal to the electronic voucher amount, and generates and receives according to the above setting.
  • the second request information of the electronic voucher and the second request information is sent to the second fund management server.
  • the embodiment is based on the implementation of the second terminal in the first embodiment of the electronic voucher setting method, and the implementation manners of the second terminal are similar, and are not described herein again.
  • a schematic structural diagram of an embodiment of an electronic voucher setting system of the present invention includes a first terminal 401, a second terminal 402, a first fund management server 403, and a second money management server 404.
  • the first terminal 401 is configured to send, to the second terminal 402, the first request information for receiving the electronic voucher; wherein the electronic voucher is applied by the first terminal 401 to the first fund management server 403 by using the account fund or the credit line thereof as a deposit.
  • the electronic voucher refers to an electronic credit that the first fund management server 403 freezes funds or uses a credit line according to the application of the first terminal 401 and is generated by the first fund management server 403, and promises to settle according to the agreed conditions. Commit to paying the voucher.
  • the basic business process of the electronic voucher is: the first fund management server 403 freezes the required amount of funds according to the application of the user of the first terminal 401 to generate an electronic voucher, and when the agreed settlement condition is reached, the first fund management server 403 releases the funds. Handle payment settlement.
  • the second terminal 402 is configured to, in response to the first request information, set the second fund management server 404 to receive the electronic voucher, and set the fund account stored in the second fund management server 404 to receive funds equal to the electronic voucher amount, according to the above setting.
  • the second request information for receiving the electronic voucher is generated, and the second request information is transmitted to the second money management server 404.
  • the second fund management server 404 is configured to receive the electronic voucher in response to the second request information, and update the information of the second fund management server 404 and the fund account to the electronic voucher according to the second request information.
  • the present embodiment is a system based on the first embodiment of the electronic voucher setting method described above, and the implementation manners thereof are similar, and are not described herein again.
  • the device 500 is a schematic structural diagram of an embodiment of an electronic voucher setting device according to the present invention.
  • the device is a second terminal.
  • the device 500 includes a receiving module 501, a setting module 502, a generating module 504, and a sending module 503.
  • the receiving module 501 is configured to receive first request information that is sent by the first terminal to receive the electronic credential.
  • the electronic voucher is an electronic commitment payment voucher that the first end user applies to the first fund management server and is generated by the first fund management server with the account fund or the credit line as the margin.
  • the electronic voucher refers to an electronic credit commitment payment voucher that the first fund management server freezes funds according to the application of the first terminal user or uses the credit line and generates in the name of the first fund management server, and promises to settle according to the agreed conditions.
  • the basic business process of the electronic voucher is: the first fund management server freezes the required amount of funds according to the application of the first terminal user to generate an electronic voucher, and when the agreed settlement condition is reached, the first fund management server releases the funds for payment settlement. .
  • the setting module 502 is configured to set the module to respond to the first request information, set the second fund management server to receive the electronic voucher, and set the fund account stored in the second fund management server to receive the fund equal to the electronic voucher amount.
  • the generating module 503 is configured to generate second request information for receiving the electronic credential according to the foregoing setting.
  • the sending module 504 is configured to send the second request information to the second fund management server.
  • a flowchart of a first embodiment of a data interaction processing method according to the present invention includes:
  • Step 601 The first terminal sends the first request information for receiving the data credential to the second terminal.
  • the data credential is a quantification tool of the first terminal as a pre-established data association relationship between the data initiator and the first server.
  • Step 602 The second terminal responds to the first request information, sets a second server to receive the data voucher, and sets a data account stored in the second server to receive data corresponding to the data voucher, according to the foregoing setting to receive the data voucher. Second, the information is requested, and the second request information is sent to the second server.
  • Step 603 The second server receives the data credential in response to the second request information, and updates the information of the second server and the data account to the data credential according to the second request information.
  • the user A can log in to the system through the password at the terminal 1 and have the management authority of the system.
  • the password may be continuous characters, codes, graphics, and the like, and the password is unique.
  • user A sends the password to user B
  • user A no longer owns the password.
  • the password needs to be sent to the user B, but the information such as the account that the user B receives the password can be performed in the following manner:
  • the user A requests the password authentication voucher based on the password to the server 1 through the terminal 1, and sends the first request information of the password voucher to the terminal 2 of the user B.
  • the user B passes the terminal through the terminal 2.
  • the setting server 2 receives the password certificate, and sets the account 2 to receive the password, and generates second request information according to the setting content, and sends the second request information to the server 2.
  • the server 2 receives the second request information, receives the password voucher according to the second request, and updates the password voucher according to the second request information.
  • the updated password credential includes at least the receiving end of the password credential as the server 2 and the receiving account of the password as the account 2.
  • the server 1 sends the password to the server 2
  • the server sends the password to the account 2 of the user B according to the password credential, and the user B can log in to the system through the password, and has the management authority of the system, and at the same time, the user A loses the system. Administrative rights.
  • the first terminal sends the first request information for receiving the data credential to the second terminal; the second terminal responds to the first request information, sets the second server to receive the data credential, and sets the storage to the second server.
  • the data account receives the data corresponding to the data voucher, sets the second request information to receive the data voucher according to the foregoing, and sends the second request information to the second server; the second server receives the data voucher, and according to the second request information, The information of the second server and the data account is updated to the data certificate.
  • the present invention can enable the second terminal to arbitrarily set the server that receives the data certificate and the account that receives the data, and prevent the data receiving account from being an abnormal account, so that the form of the certificate is more diversified, which is beneficial to improving the data interaction between the two parties. Interaction efficiency.
  • FIG. 7 a flowchart of a second embodiment of a data interaction processing method of the present invention is applied to a second terminal, where the method includes:
  • Step 701 The second terminal receives the first request information of the received data credential sent by the first terminal.
  • the data credential is a data credential that the first end user applies to the first server and is generated by the first server by using the account fund or the credit line as the margin.
  • Step 702 The second terminal responds to the first request information, sets a second server to receive the data voucher, and sets a data account stored in the second server to receive data corresponding to the data voucher, according to the foregoing setting to receive the data voucher. Second, the information is requested, and the second request information is sent to the second server.
  • This embodiment is based on the implementation manner of the second terminal in the first embodiment of the foregoing data interaction processing method, and the implementation is similar, and details are not described herein again.
  • FIG. 8 is a schematic structural diagram of an embodiment of a data interaction processing system according to the present invention, the system includes a first terminal 801, a second terminal 802, a first server 803, and a second server 804;
  • the first terminal 801 is configured to send, to the second terminal 802, first request information for receiving a data credential.
  • the data credential is a quantification tool that the first terminal 801 serves as a pre-established data association relationship between the data initiator and the first server 803.
  • the second terminal 802 is configured to, in response to the first request information, set the second server 804 to receive the data voucher, and set the data account stored in the second server 804 to receive data corresponding to the data voucher, and receive the data voucher according to the foregoing setting.
  • the second request information and send the second request information to the second server 804.
  • the second server 804 is configured to receive the data voucher in response to the second request information, and update the information of the second server 804 and the data account to the data voucher according to the second request information.
  • This embodiment is a system based on the first embodiment of the data interaction processing method described above, and its implementation is similar, and details are not described herein again.
  • FIG. 9 is a schematic structural diagram of an embodiment of a data interaction processing apparatus according to the present invention.
  • the apparatus is applied to a second terminal, and the apparatus includes a receiving module 901, a setting module 902 generating module 903, and a sending module 904.
  • the receiving module 901 is configured to receive first request information of the received data credential sent by the first terminal.
  • the data credential is a data credential that the first end user applies to the first server and is generated by the first server by using the account fund or the credit line as the margin.
  • the setting module 902 is configured to, in response to the first request information, set the second server to receive the data voucher, and set the data account stored in the second server to receive the data corresponding to the data voucher.
  • the generating module 903 is configured to receive the second request information of the data voucher according to the foregoing.
  • the sending module 904 is configured to send second request information to the second server.
  • the embodiment is based on the implementation of the second terminal device in the first embodiment of the foregoing data interaction processing method, and the implementation is similar, and details are not described herein again.

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Abstract

La présente invention concerne un procédé, un système et un appareil pour configurer des certificats électroniques et traiter un échange de données, le procédé comprenant les opérations suivantes : un premier terminal envoie à un second terminal un premier message de requête pour recevoir un certificat électronique ; le second terminal répond au premier message de requête, configurant un second serveur de gestion d'argent pour recevoir un certificat électronique et configurant un compte d'argent stocké dans le second serveur de gestion d'argent pour recevoir de l'argent d'une valeur équivalente à celle du certificat électronique, et sur la base de la configuration mentionnée ci-dessus, génère un second message de requête pour recevoir un certificat électronique et envoie ledit second message de requête au second serveur de gestion d'argent ; le second serveur de gestion d'argent répond au second message de requête, reçoit le certificat électronique, et sur la base du second message de requête, met à jour les informations du second serveur de gestion d'argent et le compte d'argent sur le certificat électronique. La présente invention permet à un second terminal de configurer librement un serveur pour recevoir des certificats électroniques et un compte pour recevoir de l'argent, de telle sorte que des certificats peuvent être reçus de manières plus diversifiées, ce qui est bénéfique pour améliorer l'efficacité de l'échange d'argent entre deux parties.
PCT/CN2015/084561 2015-07-21 2015-07-21 Procédé, système et appareil pour configurer des certificats électroniques et traiter un échange de données Ceased WO2017011994A1 (fr)

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CN201580012820.5A CN106415629A (zh) 2015-07-21 2015-07-21 一种电子凭证设置及数据交互处理的方法、系统及装置
CA2993243A CA2993243C (fr) 2015-07-21 2015-07-21 Procede, systeme et appareil pour configurer des certificats electroniques et traiter un echange de donnees
PCT/CN2015/084561 WO2017011994A1 (fr) 2015-07-21 2015-07-21 Procédé, système et appareil pour configurer des certificats électroniques et traiter un échange de données

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PCT/CN2015/084561 WO2017011994A1 (fr) 2015-07-21 2015-07-21 Procédé, système et appareil pour configurer des certificats électroniques et traiter un échange de données

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110047593A1 (en) * 2007-10-03 2011-02-24 Michiel Reinier Ausems System and method for secure management of transactions
CN103827902A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种网络支付的方法及系统
US20150066651A1 (en) * 2013-09-04 2015-03-05 Mastercard International Incorporated Method and System for Secure Mobile Payment Processing and Data Analytics

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CN101567070A (zh) * 2008-04-24 2009-10-28 中国银联股份有限公司 一种交易数据处理方法、系统及一种支付系统
CN101853454A (zh) * 2009-04-01 2010-10-06 华为技术有限公司 一种电子凭证实现方法及装置
CN104751323B (zh) * 2013-12-31 2020-04-24 腾讯科技（深圳）有限公司 一种电子账户数据转移方法及相关设备、系统

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20110047593A1 (en) * 2007-10-03 2011-02-24 Michiel Reinier Ausems System and method for secure management of transactions
CN103827902A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种网络支付的方法及系统
US20150066651A1 (en) * 2013-09-04 2015-03-05 Mastercard International Incorporated Method and System for Secure Mobile Payment Processing and Data Analytics

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