WO2017012017A1 - Serveur de gestion de fonds, procédé de traitement de données et systèmes d'invitation à la délivrance de certificat - Google Patents

Serveur de gestion de fonds, procédé de traitement de données et systèmes d'invitation à la délivrance de certificat Download PDF

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Publication number
WO2017012017A1
WO2017012017A1 PCT/CN2015/084586 CN2015084586W WO2017012017A1 WO 2017012017 A1 WO2017012017 A1 WO 2017012017A1 CN 2015084586 W CN2015084586 W CN 2015084586W WO 2017012017 A1 WO2017012017 A1 WO 2017012017A1
Authority
WO
WIPO (PCT)
Prior art keywords
certificate
request
management server
fund management
account
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/CN2015/084586
Other languages
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 CA2993585A priority Critical patent/CA2993585C/fr
Priority to PCT/CN2015/084586 priority patent/WO2017012017A1/fr
Publication of WO2017012017A1 publication Critical patent/WO2017012017A1/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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Definitions

  • the present application relates to the technical field of computer data processing, and in particular, to a fund management server, a data processing method and system for an invitation certificate.
  • E-commerce uses the Internet platform to connect all parties involved in traditional business activities, such as buyers, sellers, logistics companies, financial institutions, etc., by networking, electronic, and informatizing the entire transaction process.
  • the transfer of funds mainly relies on the traditional electronic direct transfer payment method and the third-party payment method, and the payment method is single, and all before the demand side has not received the purchase of goods. , the demand side’s funds have been allocated to the account, unable to meet some potential business needs in the market, and increased security risks.
  • the present application provides a money management server, a data processing method and system for an invitation certificate.
  • the present application provides a data processing method for an offer, including: [0008] a provider generates an offer data, and sends the request data to a demanding party;
  • the demand side generates a certificate request according to the offer data, and sends the request to the fund management server; [0010] the fund management server determines whether the request for the certificate meets the certificate condition;
  • the fund management server freezes the credit amount or the credit limit in the account specified by the demanding party, and extracts the electronic voucher.
  • the fund management server determines whether the request for the certificate meets the certificate condition, and specifically includes: [0013] the server verifies the identity of the demander and/or whether the account meets the requirements of the certificate.
  • the fund management server determines whether the request for the certificate meets the certificate condition, and further includes: [0015] the fund management server calls the demander account information, and determines the amount of the funds in the account. Whether the credit line is greater than or equal to the amount of the payment requested in the request for the certificate.
  • the above method further includes: [0017] the money management server sends the generated electronic voucher information to the demand side;
  • the demander receives information generated by the fund management server to generate an electronic voucher.
  • the present application provides a data processing method for an offer, including:
  • the fund management server acquires a request for verification generated by the requester, generated by the provider, and generated by the demander according to the offer data;
  • the fund management server determines whether the request for the certificate meets the condition of the certificate
  • the fund management server freezes the credit amount or the credit limit in the demand side account, and extracts the electronic certificate.
  • the present application provides a data processing system for an offer, including a provider terminal, a demander terminal, and a fund management server, the fund management server including a receiving module, a determining module, and a processing Module
  • the provider terminal is configured to generate the invitation data and send the data to the demanding party
  • the demand side terminal is configured to generate a certificate request according to the offer data, and send the request to the fund management server;
  • the receiving module is configured to obtain the request for the certificate
  • the determining module is configured to determine whether the request for the certificate meets the condition of the certificate
  • the processing module is configured to: after the request for the certificate meets the certificate condition, freeze the credit amount or the credit line in the account specified by the demanding party, and extract the electronic certificate.
  • the above system is further configured to verify the identity of the demander and/or whether the account meets the requirements of the certificate.
  • the processing module is further configured to invoke information of the account, and determine whether the credit amount or the credit line in the account is greater than or equal to the payment amount requested in the request for the certificate.
  • the processing module is further configured to send the generated electronic voucher information to the demanding party terminal, and the demanding terminal is further configured to receive the information for generating the electronic voucher.
  • the present application provides a money management server including a memory and a processor for storing computer instructions for performing the following steps in accordance with the computer instructions:
  • the amount of the credit card or the credit line in the demand side account is frozen, and the electronic certificate is extracted.
  • the provider generates the offer data
  • the demand party generates the request for the certificate according to the offer data
  • the fund management server freezes the funds in the demand party account after the request for the certificate meets the testimony condition.
  • the amount of credit or credit line the electronic voucher.
  • the application initiates a solicitation request by the provider, which can be distributed to an unspecified buyer via the Internet or other means, and the demand side can apply for the electronic voucher to the bank where the payment account is located in combination with the offer information of the provider.
  • the application provides a brand new transaction method and experience, which is convenient and efficient, and provides a favorable tool for the mature development of e-commerce.
  • 1 is a flow chart of an embodiment of the data processing method of the solicitation certificate in an embodiment
  • FIG. 2 is a flowchart of another embodiment of a data processing method for an offer certificate according to the present application;
  • FIG. 3 is a data processing method of the present invention, in another embodiment. Flow chart
  • FIG. 4 is a schematic structural diagram of a fund management server of an application in an embodiment
  • FIG. 5 is a schematic structural diagram of a data processing system of the present invention in an embodiment.
  • the electronic voucher described in the present solution that is, the electronic credit commitment voucher that the bank promises to pay the funds according to the agreed conditions, means that the bank freezes the required amount of funds or uses the credit line according to the application of the witness, and promises to The electronic credit commitment payment voucher for payment settlement is agreed upon.
  • the usual business process of the electronic voucher mentioned in the present application is as follows: The bank of the securities bank freezes the required amount of funds according to the application of the witness to establish an electronic voucher, and the certificate is issued by the certificate receiving bank. After the payment conditions are fulfilled, the bank will pay the funds and pay the settlement to the recipient through the bank.
  • an embodiment of the data processing method of the solicitation certificate of the present application includes the following steps: [0050] Step 102: The provider generates the invitation data and sends the request data to the demand side.
  • the offer data includes the provider's payment account information and the price of the product, as well as the transaction conditions, etc., similar to an information notification, that is, in e-commerce, a commitment information issued by the provider: the provider can provide the goods, If the demand side wants to purchase, it needs to pay a certain amount of funds to the specific account.
  • the provider is the seller and the demand side is the buyer.
  • Step 104 The demand side generates a certificate request according to the offer data, and sends the request to the fund management server.
  • the money management server is the money management server of the bank.
  • Step 106 The fund management server determines whether the request for the certificate meets the condition of the certificate.
  • step 106 may specifically include the following steps: The server verifies the identity of the demanding party and/or whether the account meets the requirements of the certification.
  • step 106 may further include the following steps:
  • the fund management server invokes the information of the account specified by the demanding party, and determines whether the amount of the credit card or the credit line in the account is greater than or equal to the amount of the payment requested in the request for the certificate.
  • the account specified by the demand side may be an account that needs to be its own, or an account of another person who agrees to pay in lieu of the demander.
  • Step 108 If satisfied, the fund management server freezes the credit amount or the credit limit in the account specified by the demanding party, and extracts the electronic voucher.
  • step 108 may further include the following steps:
  • the fund management server sends the generated electronic voucher information to the demanding party; the demander receives the information generated by the fund management server for generating the electronic voucher.
  • a specific application example of the data processing method of the solicitation certificate of the present application includes the following steps:
  • Step 202 The provider generates the offer data.
  • the offer data includes at least the payment account of the provider, and may include the amount of the commodity, and may also include an instruction of the trusted receipt bank to receive the electronic voucher, that is, the receipt bank automatically receives the certificate.
  • the offer information may also be generated by a receipt bank entrusted by the seller, so that the demand party generates the electronic voucher through the bank, and the receiving bank can directly accept the electronic voucher without having to go through the confirmation of the provider. Save procedures and increase transaction efficiency.
  • Step 204 The demand side obtains the invitation data published by the seller, and generates a request for the certificate according to the data, and The request is sent to the bank.
  • the provider may present and broadcast the offer data. That is, the provider will make an invitation to the Internet, such as publishing on major e-commerce platforms, on various Weibo or forums, or by e-mail and other social software.
  • the demand side obtains the invitation data through the Internet or various communication methods. Of course, buyers can also get the data of the invitation through face-to-face.
  • the manner in which the provider generates the offer data may be: After the buyer and the seller negotiate, the offer data is generated by the provider.
  • Step 206 The bank receives the request for the claim from the demanding party (the witness).
  • Step 208 Determine whether the request for the request of the demand party meets the requirements of the certification. If it is allowed to perform step 210, on the contrary, the feedback result is sent to the demanding party to terminate the certificate or regenerate the request for confirmation.
  • the bank has verified the identity of the witness.
  • the verification of the office may have the following situations: The first verification situation refers to whether the verification witness has the account information at the bank, and the second verification case refers to whether the applicant is true. Effective, that is, real-name authentication, does not require the witness to have a account number in the bank; the third verification case refers to whether the applicant has a bad credit record, whether it is a whitelist or a blacklist. ? Specific verification can be achieved by mobile phone dynamic code.
  • Step 210 The data bank calls the data in the demand side account to obtain funds or credit information, and determines whether the quota is sufficient. If sufficient, step 212 is performed, and vice versa, the feedback result is sent to the demand side, and the verification process is ended. It is not necessarily the case that the account information of the witness is called for comparison, and the account of another person can also be used to prove the card.
  • Step 212 When the funds or credits in the account are sufficient, the bank may freeze the funds or credit to generate an electronic voucher at the request of the witness, wherein if the demand party uses the debit card, the funds in the debit card are frozen, and the demand is If you use a credit card, you will freeze the credit card credit.
  • Step 214 Send information about generating an electronic voucher to the demanding party.
  • other electronic vouchers may be set in the process of falsification, such as fixed ⁇ , regular, A fixed amount of electronic vouchers.
  • the peer can also set the payment condition of the electronic voucher, such as setting the settlement fee 1J, setting the situation to be a one-time freeze and multiple settlements.
  • the seller announces the service or goods that can be provided, the product information and the account number to be sold are announced, and the seller wants to purchase the electronic voucher to the bank where the seller's account is located, and the electronic voucher indicates the seller's payment account number.
  • the buyer knows what kind of goods and services the seller can provide, and according to his own needs, he can purchase the electronic voucher in conjunction with the seller's collection account.
  • Embodiment 2 is a diagrammatic representation of Embodiment 1
  • an embodiment of the data processing method of the solicitation certificate of the present application includes the following steps:
  • Step 302 The fund management server acquires a request for verification generated by the demanding party, generated by the provider, and generated by the demanding party according to the offer data. That is, the party provider is provided to generate the invitation data, and after the demand party generates the request for the certificate according to the offer data, the request for the certificate is sent to the fund management server, and the fund management server obtains the request for the certificate.
  • Step 304 The fund management server determines whether the request for the certificate meets the condition of the certificate.
  • step 304 may specifically include the following steps: The server verifies the identity of the demanding party and/or whether the account meets the requirements of the certification.
  • step 304 may further include the following steps:
  • the fund management server calls the information of the account specified by the demanding party, and determines whether the amount of the credit card or the credit line in the demander account is greater than or equal to the amount of the payment requested in the request for the certificate.
  • Step 306 If yes, the fund management server freezes the credit amount or the credit limit in the account specified by the demanding party, and extracts the electronic voucher.
  • Embodiment 3 is a diagrammatic representation of Embodiment 3
  • the data processing system of the solicitation certificate of the present application includes a provider terminal 30, a demander terminal 20, and a fund management server 10, and the fund management server 10 is a bank server, and funds.
  • the management server 10 includes a receiving module 11, a judging module 12, and a processing module 13.
  • the provider terminal 30 is configured to generate the offer data and send it to the demanding party;
  • the demander terminal 20 is configured to obtain the offer data, generate a request for the certificate according to the offer data, and send the request to the receiving module 11;
  • the receiving module 11 For obtaining a request for a certificate;
  • the determining module 12 is configured to determine whether the request for the certificate meets the condition of the certificate;
  • the management module 13 is configured to freeze the credit amount or the credit line in the account specified by the demanding party after the request for the certificate is satisfied, and extract the electronic certificate.
  • the processing module 13 is further configured to verify whether the identity of the demanding party and/or the account meets the requirements of the certification. In another embodiment, the processing module 13 is further configured to invoke the demander account information to determine whether the credit amount or the credit line in the demander account is greater than or equal to the amount of the payment requested in the request.
  • the processing module 13 is further configured to send the generated electronic voucher information to the demanding terminal 20; and the demanding terminal 20 is further configured to receive the information for generating the electronic voucher.
  • the fund management server of the present application includes a memory and a processor, and the memory is used to store computer instructions. As shown in FIG. 3, the processor is configured to perform the following steps according to computer instructions:
  • Step 302 Obtain a request for a certificate generated by the demanding party, generated by the provider, and generated by the demanding party according to the offer data;
  • Step 304 determining whether the request for the certificate meets the condition of the certificate
  • Step 306 If yes, freeze the credit amount or the credit line in the demand side account, and extract the electronic certificate.

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

Abstract

L'invention concerne un procédé de traitement de données destiné à l'invitation à la délivrance de certificat, comprenant : une partie fournisseur qui génère des données d'invitation et transmet à une partie demande ; la partie demande génère une requête de délivrance de certificat sur la base des données d'invitation et transmet à un serveur de gestion de fonds ; le serveur de gestion de fonds détermine si oui ou non la requête de délivrance de certificat satisfait à un critère de délivrance de certificat ; et si c'est le cas, le serveur de gestion de fonds gèle une quantité de fonds ou une ligne de crédit destinés à la délivrance de certificat sur un compte de la partie demande et délivre un certificat électronique. L'invention concerne également le serveur de gestion de fonds et un système de traitement de données d'invitation à la délivrance de certificat. Dans la présente invention, une requête d'invitation est lancée par la partie fournisseur et peut être communiquée à des acheteurs non spécifiques par l'intermédiaire d'Internet ou par d'autres moyens, et la partie demande peut combiner des informations d'invitation de la partie fournisseur afin de solliciter la délivrance d'un certificat électronique à une banque où la partie demande détient un compte de paiement. La présente invention concerne un nouveau moyen de transaction et d'expérience, est pratique et hautement efficace, et fournit un instrument favorable au développement de commerce électronique.
PCT/CN2015/084586 2015-07-21 2015-07-21 Serveur de gestion de fonds, procédé de traitement de données et systèmes d'invitation à la délivrance de certificat Ceased WO2017012017A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2993585A CA2993585C (fr) 2015-07-21 2015-07-21 Serveur de gestion de fonds, procede de traitement de donnees et systemes d'invitation a la delivrance de certificat
PCT/CN2015/084586 WO2017012017A1 (fr) 2015-07-21 2015-07-21 Serveur de gestion de fonds, procédé de traitement de données et systèmes d'invitation à la délivrance de certificat

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084586 WO2017012017A1 (fr) 2015-07-21 2015-07-21 Serveur de gestion de fonds, procédé de traitement de données et systèmes d'invitation à la délivrance de certificat

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WO2017012017A1 true WO2017012017A1 (fr) 2017-01-26

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PCT/CN2015/084586 Ceased WO2017012017A1 (fr) 2015-07-21 2015-07-21 Serveur de gestion de fonds, procédé de traitement de données et systèmes d'invitation à la délivrance de certificat

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WO (1) WO2017012017A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101231727A (zh) * 2008-02-20 2008-07-30 深圳矽感科技有限公司 一种电子支票支付方法及其实现系统
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
CN104301293A (zh) * 2013-07-19 2015-01-21 阿里巴巴集团控股有限公司 数据处理方法、装置和系统

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
CN101231727A (zh) * 2008-02-20 2008-07-30 深圳矽感科技有限公司 一种电子支票支付方法及其实现系统
CN104301293A (zh) * 2013-07-19 2015-01-21 阿里巴巴集团控股有限公司 数据处理方法、装置和系统

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Publication number Publication date
CA2993585C (fr) 2023-01-10
CA2993585A1 (fr) 2017-01-26

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