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WO2017011992A1 - Procédé de réglage de certificat électronique, et procédé, dispositif et système de traitement d'interaction de données - Google Patents

Procédé de réglage de certificat électronique, et procédé, dispositif et système de traitement d'interaction de données Download PDF

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Publication number
WO2017011992A1
WO2017011992A1 PCT/CN2015/084558 CN2015084558W WO2017011992A1 WO 2017011992 A1 WO2017011992 A1 WO 2017011992A1 CN 2015084558 W CN2015084558 W CN 2015084558W WO 2017011992 A1 WO2017011992 A1 WO 2017011992A1
Authority
WO
WIPO (PCT)
Prior art keywords
request
data
opening
opening date
reset
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/CN2015/084558
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 CA2993027A priority Critical patent/CA2993027A1/fr
Priority to PCT/CN2015/084558 priority patent/WO2017011992A1/fr
Priority to CA3224039A priority patent/CA3224039A1/fr
Publication of WO2017011992A1 publication Critical patent/WO2017011992A1/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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • 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
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to the field of online transaction technology, and in particular, to an electronic voucher setting method, a data interaction processing method, device and system.
  • the Internet connects traditional buyers, buyers, logistics, finance, etc., forming a network, electronic, and informational process of the entire transaction process, reducing the cost of transactions and improving transactions. effectiveness.
  • the delivery methods used in the commodity trading process still rely on traditional payment methods, such as bank transfers and third-party payments.
  • the traditional payment method has the following shortcomings.
  • the form of direct transfer between individuals is very risky to the buyer after the buyer transfers to the seller because there is no constraint to force the transaction; the third party payment form, the buyer’s funds are paid in advance.
  • the third party when the buyer and the seller complete the transaction, the funds are frozen, so that the buyer and the seller lose corresponding income. Therefore, the payment method used in the e-commerce application has a single form and lacks personalized customization, and cannot flexibly customize the payment method, payment time, and the like.
  • the purpose of the embodiments of the present invention is to provide an electronic voucher setting method, a data interaction processing method, a device and a system, which are beneficial to the first participant to rationally arrange the fund application, improve the experience, and enrich the diversity of online transactions, enriching the means of transaction.
  • the first technical solution adopted by the embodiment of the present invention is to provide a method for setting an electronic voucher, comprising: after the first participation direction fund management server sends the first request for opening the electronic voucher, to the The fund management server sends a second request to reset the electronic voucher opening date; wherein the second request includes resetting an opening date of the electronic voucher; the first request includes configuring a quota of the electronic voucher ;
  • the money management server determines whether the reset opening date meets a predetermined setting condition
  • the fund management server resets the opening date of the electronic voucher, and when the reopened opening date arrives, freezes the first participant in the designated account and the first The request includes an equal amount of funds or a credit equal to the amount included in the first request, and the electronic voucher is opened.
  • the second technical solution adopted by the embodiment of the present invention is to provide an electronic voucher setting method, where the method includes: the fund management server receives the opening electronic voucher sent by the first participant Receiving, after a request, a second request for resetting an electronic voucher opening date sent by the first participant; wherein the second request includes resetting an opening date of the electronic voucher; the first request includes Configuring a quota of the electronic voucher;
  • the fund management server resets the opening date of the electronic voucher, and when the reset opening date arrives, freezing the first participant specifying account and the first request includes The funds of equal amount or the credits equivalent to the amount included in the first request are used, and the electronic voucher is opened.
  • the first participant may reset the electronic voucher according to the needs of the user to meet the opening date of the preset time range of the fund management server, which is beneficial to the first participant to rationally arrange the fund application. Improve the experience. And based on the strength and counter-force of the fund management server, the self-discipline of the first participant will be strengthened to match the entire process, and the risk will be further reduced. In addition, the present invention also enriches the way in which online transactions are conducted.
  • the third technical solution adopted by the embodiment of the present invention is to provide a data interaction method, where the method includes: after the first terminal sends a first request for opening a data credential to the server, to the The server sends a second request to reset the data voucher opening date, wherein the second request includes resetting an opening date of the data voucher; the first request includes configuring a value of the data voucher;
  • the server If the predetermined setting condition is met, the server resets the opening date of the data voucher, and locks the permission of the data of the first terminal to the data of the same size when the reset opening date arrives And generating the data credentials.
  • the fourth technical solution adopted by the embodiment of the present invention is: providing a data interaction processing method, the method comprising: receiving, by the server, the first request for opening the data credential sent by the first terminal, receiving a second request for resetting a data credential opening date sent by the first terminal, wherein the second request includes a reset date of resetting the data credential; the first request includes configuring the data credential Numerical value
  • the server If the predetermined setting condition is met, the server resets the opening date of the data voucher, and locks the permission of the data of the first terminal to the data of the same size when the reset opening date arrives And generating the data credentials.
  • the fifth technical solution adopted by the embodiment of the present invention is to provide a data interaction processing system, where the data interaction system includes: a first terminal and a server, where the first terminal is used to send to the server After opening the first request for the data credential, sending a second request to the server to reset the data credential opening date, wherein the second request includes resetting an opening date of the data credential; the first The request includes a value that configures the data voucher;
  • the server is configured to determine whether the reset opening date meets a predetermined setting condition
  • the server is further configured to reset an opening date of the data voucher when the reset opening date meets a predetermined setting condition, and lock the data of the first terminal when the reset opening date arrives
  • the authority of the data in the unit that is equal in size to the value and generates the data credential.
  • the sixth technical solution adopted by the embodiment of the present invention is to provide a server, where the server includes: a receiving module, a processing module, and an executing module, where the receiving module is configured to receive the sending by the first terminal.
  • the server includes: a receiving module, a processing module, and an executing module, where the receiving module is configured to receive the sending by the first terminal.
  • the processing module is configured to determine whether the reset opening date is in accordance with a predetermined setting condition
  • the execution module is configured to: when the reset opening date meets the predetermined setting condition, resetting the opening date of the data credential to lock the data unit of the first terminal and the data credential value are equal in size The permissions of the data and generate the data credentials.
  • the first terminal re-sets the opening date of the valid data credential according to the user requirement, and the server locks the data of the first terminal and the data of the same size as the value of the data, and Opening the data credential to the first terminal facilitates the overall arrangement and use of the data by the first terminal, thereby improving data utilization.
  • FIG. 1 is a schematic flow chart of an embodiment of an electronic voucher setting method according to the present invention.
  • FIG. 2 is a schematic flow chart of another embodiment of an electronic voucher setting method according to the present invention.
  • FIG. 3 is a schematic flowchart of an embodiment of a data interaction processing method according to the present invention.
  • FIG. 4 is a schematic flowchart of another embodiment of a data interaction processing method according to the present invention.
  • FIG. 5 is a schematic structural diagram of an embodiment of a data interaction system according to the present invention.
  • FIG. 6 is a schematic structural diagram of an embodiment of a server according to the present invention.
  • the electronic voucher mentioned in this application refers to the electronic certificate promised by the issuer with the guarantee of the bank account fund or credit line (credit card quota or loan amount) as the guarantee, and the bank promises to settle the payment and settlement according to the settlement conditions. It is an Internet innovation basic financial instrument paid by bank credit commitment.
  • FIG. 1 is a schematic flow chart of an embodiment of an electronic voucher setting method according to the present invention.
  • the electronic voucher setting method of this embodiment includes the following steps:
  • the first participation direction fund management server sends the first request for opening the electronic voucher, sending a second request for resetting the electronic voucher opening date to the fund management server; wherein the second request includes a resetting Declaring an opening date of the electronic voucher; the first request includes a quota for configuring the electronic voucher.
  • the money management server is usually installed in a financial institution such as a bank.
  • the electronic voucher means that the bank freezes the funds or uses the credit line according to the application of the issuer (the first party of the invention) and opens the bank in the name of the bank (the fund management server in the invention), and promises to proceed according to the agreed conditions. Settlement of electronic credit commitment payment vouchers.
  • Basic business process of electronic voucher The issuing bank freezes the required amount of funds according to the application of the issuer to open the electronic voucher. When the agreed payment conditions are fulfilled, the issuing bank will release the funds for payment settlement.
  • the first request further includes identity information of the first party.
  • the first request further includes receiving the identity information of the second party of the electronic voucher corresponding to the funds or the credit to facilitate the second party to receive.
  • the first party is usually a buyer and the second party is usually a provider.
  • the identity information of the second party includes the account number of the second party, and may also include the identity information of the second party's name, contact number, email address, ID number, and the like, and may also include social activities such as a micro signal and a QQ number. The way is not limited here.
  • the first participating party sends a reset to the fund management server because the opening date set in the first request is unreasonable or other reasons.
  • the electronic voucher opens a second request for the date.
  • the second request includes an opening date for resetting the electronic voucher.
  • the fund management server receives the first request and the second request.
  • the fund management server parses the first request, acquires identity information of the first participant from the first request, and verifies the identity information of the first participant to determine the first The validity of the identity information of the participants. Specifically, if it is determined whether the identity information is authentic and valid, and whether there is a bad credit record, etc., the fund management server may further determine, according to the identity information of the first participant, whether the first participant belongs to a special group, such as a minor. When it belongs to a special group, whether the corresponding judgment meets the upper limit of the quota of the group, for example, the amount of the electronic certificate applied by the minor is prohibited to exceed 2000, and is not limited herein.
  • the fund management server sends a message to the first participant to pre-open the electronic certificate.
  • the first party After receiving the message, the first party sends a second request to reset the date of opening the electronic voucher to the fund management server.
  • the first participant may not send the second request for resetting the electronic voucher opening date to the fund management server only after receiving the message of the pre-opening electronic voucher sent by the fund management server, as long as Within the specified time range, the first participant may also actively send a second request for resetting the electronic voucher opening date to the fund management server, which is not limited herein.
  • the fund management server determines whether the reset opening date meets a predetermined setting condition.
  • the fund management server receives the second request sent by the first participant, parses the second request, obtains the opening date to be reset, and then further determines the validity of the opening date to be reset.
  • the fund management server determines whether the electronic certificate based on the first request sent by the first participant has been opened, and if it has been opened, the second request to reset the operation of the opening date is an invalid request.
  • the fund management server sends the notification information to the first participant.
  • the first participant recommendation may also be given, such as re-applying for opening the electronic certificate, and the like is not limited herein.
  • the fund management server determines whether the second request is real information, such as determining whether the second request is sent by the second participant itself, and determining the authenticity of the information, further determining the opening of the reset. Whether the date is within the valid time range, such as whether it is within the specified time limit, etc.
  • the fund management server further detects the reset opening date to determine whether it is within a preset time range, and if the reset opening date is not within the preset time range, in a preferred embodiment, the funds The management server sends feedback information to the first participant to remind the first participant to reset the opening date, which is not limited herein.
  • the determining step and the sequence of whether the resetting the opening date is valid is not limited to the above embodiment. In other embodiments, the process of determining whether the reset opening date is valid is The scope of the invention is not limited herein.
  • the fund management server If the reset opening date meets a predetermined setting condition, the fund management server resets an opening date of the electronic voucher, and freezes the first participant when the reset opening date arrives Specifying an account in the account equal to the amount included in the first request or using a credit equal to the amount included in the first request, and opening the electronic voucher.
  • the fund management server After determining, determining that the reset opening date is a valid opening date, the fund management server resets the opening date of the electronic voucher, and when the date arrives, further determining the first participant to specify the account funds or Whether the credit line is not less than the amount of the electronic voucher.
  • the first participant designated account is not limited to an account stored or opened by the fund management server.
  • the fund management server freezes the funds or the use of the electronic voucher amount corresponding to the first request by the first participant designated account.
  • the first request includes an equal amount of credit, and an electronic voucher is issued. If the amount of funds or credits of the first participant's designated account is less than the amount of the electronic voucher, the fund management server sends a feedback message to the first participant for reminding, which is not limited herein.
  • the fund management server sends the pre-freeze information to the first participant, and the first participant receives the pre-freeze information to determine to accept the frozen funds.
  • the confirmation message for responding to the pre-freeze information is sent to the fund management server, and after receiving the confirmation message, the fund management server freezes the funds or the expenditures of the first participant's designated account and the amount included in the first request.
  • the first request includes credits of equal amount and opens an electronic voucher. If the response notice of the first participant is not received within the predetermined time, the request to open the electronic voucher is invalid.
  • the frozen funds or the credit line used are the deposit of the first party to the first fund management server or other fund management server, or the credit line given to the first party, or The funds corresponding to the real estate mortgaged by the first participant.
  • the first participating party applies for the first request to open the 100,000 electronic voucher, wherein the first request includes the opening date of 20 days, and the first participant finds the current first request.
  • the opening date is unreasonable
  • the second request for resetting the electronic voucher opening date is sent to the fund management server, wherein the second request includes the opening date of the resetting is 10 days, and the fund management server receives the second request.
  • the first participant can freely reset the opening date of the electronic voucher within the specified conditions according to his own needs, which is beneficial for the first party to rationally arrange the fund application and improve the experience.
  • the self-discipline of the first participant will be strengthened to match the entire process, and the risk will be further reduced.
  • the present invention also enriches the way in which online transactions are conducted.
  • FIG. 2 is a schematic flowchart diagram of another embodiment of an electronic voucher setting method according to the present invention.
  • the electronic voucher setting method of this embodiment includes:
  • the fund management server After receiving the first request for opening the electronic voucher sent by the first participant, the fund management server receives a second request for resetting the electronic voucher opening date sent by the first participant; wherein, the The second request includes a date of opening the electronic voucher; the first request includes a quota for configuring the electronic voucher.
  • the money management server is usually installed in a financial institution such as a bank.
  • the electronic voucher means that the bank freezes the funds or uses the credit line according to the application of the issuer (the first party of the invention) and opens the bank in the name of the bank (the fund management server in the invention), and promises to proceed according to the agreed conditions. Settlement of electronic credit commitment payment vouchers.
  • Basic business process of electronic voucher The issuing bank freezes the required amount of funds according to the application of the issuer to open the electronic voucher. When the agreed payment conditions are fulfilled, the issuing bank will release the funds for payment settlement.
  • the request also includes identity information of the first party.
  • the request further includes acquiring the funds corresponding to the electronic voucher or the identity information of the second party of the credit, so as to facilitate the second party to collect the funds or the credit line corresponding to the electronic voucher.
  • the first party is usually a buyer and the second party is usually a provider.
  • the identity information of the second party includes the account number of the second party, and may also include the identity information of the second party's name, contact number, email address, ID number, and the like, and may also include social activities such as a micro signal and a QQ number. The way is not limited here.
  • the first request includes the opening date and the credit of the electronic voucher.
  • the first participating party funds management server sends a second request to reset the electronic voucher opening date because the opening date set in the first request is unreasonable or for other reasons.
  • the second request includes an opening date for resetting the electronic voucher.
  • the fund management server receives the first request and the second request.
  • the fund management server parses the first request, acquires identity information of the first participant from the first request, and verifies the identity information of the first participant to determine the first The validity of the identity information of the participants. Specifically, if it is determined whether the identity information is authentic and valid, and whether there is a bad credit record, etc., the fund management server may further determine, according to the identity information of the first participant, whether the first participant belongs to a special group, such as a minor. When it belongs to a special group, whether the corresponding judgment meets the upper limit of the quota of the group, for example, the amount of the electronic certificate applied by the minor is prohibited to exceed 2000, and is not limited herein.
  • the fund management server sends a message to the first participant to pre-open the electronic certificate.
  • the first party After receiving the message, the first party sends a second request to reset the date of opening the electronic voucher to the fund management server.
  • the first participant may not send the second request for resetting the electronic voucher opening date to the fund management server only after receiving the message of the pre-opening electronic voucher sent by the fund management server, as long as Within the specified time range, the first participant may also actively send a second request for resetting the electronic voucher opening date to the fund management server, which is not limited herein.
  • the fund management server receives the second request sent by the first participant, parses the second request, obtains the opening date to be reset, and then further determines the validity of the opening date to be reset.
  • the fund management server determines whether the electronic certificate based on the first request sent by the first participant has been opened, and if it has been opened, the second request to reset the opening date is an invalid request.
  • the fund management server sends the notification information to the first participant.
  • the first participant recommendation may also be given, such as re-applying for opening the electronic certificate, and the like is not limited herein.
  • the fund management server determines whether the second request is real information, such as determining whether the second request is sent by the second participant itself, and determining the authenticity of the information, further determining the opening of the reset. Whether the date is within the valid time range, if it is judged whether it is within the specified time limit, etc., it is not limited here.
  • the fund management server further detects the reset opening date and determines whether it is within a preset time range, which is not limited herein. If the reset opening date is not within the preset time range, in a preferred embodiment, the fund management server sends feedback information to the first participant to remind the first participant to reset the opening date, where Not limited.
  • the fund management server If the reset opening date meets the predetermined setting condition, the fund management server resets the opening date of the electronic voucher, and freezes the first participant designated account when the reset opening date arrives The funds equal to the amount included in the first request or the credits equal to the amount included in the first request, and the electronic voucher is opened.
  • the fund management server resets the opening date of the electronic voucher, and when the date arrives, further determining the first participating party designated account Whether the amount of funds or credits is not less than the amount of the electronic voucher.
  • the first participant designated account is not limited to an account stored or opened by the fund management server.
  • the fund management server freezes the funds or the use of the electronic voucher amount corresponding to the first request by the first participant designated account.
  • the first request includes an equal amount of credit, and an electronic voucher is issued to the first party. If the amount of funds or credits of the first participant's designated account is less than the amount of the electronic voucher, the fund management server sends a feedback message to the first participant for reminding, which is not limited herein.
  • the fund management server sends the pre-freeze information to the first participant, and the first participant receives the pre-freeze information to determine that the freeze is accepted.
  • Sending a confirmation message to the fund management server in response to the pre-freeze information after receiving the confirmation message, the fund management server freezes the funds or the expenditures of the first participant-specified account and the first request to include the first request Include equal credits and open electronic vouchers. If the response notice of the first participant is not received within the predetermined time, the request to open the electronic voucher is invalid.
  • the frozen funds or the credit line used are the deposit of the first party to the first fund management server or other fund management server, or the credit line given to the first party, or The funds corresponding to the real estate mortgaged by the first participant.
  • the first participant can freely reset the opening date of the electronic voucher within the specified conditions according to his own needs, which is beneficial for the first party to rationally arrange the fund application and improve the experience.
  • the self-discipline of the first participant will be strengthened to match the entire process, and the risk will be further reduced.
  • the present invention also enriches the way in which online transactions are conducted.
  • FIG. 3 is a schematic flowchart of an embodiment of a data interaction processing method according to the present invention.
  • the data interaction processing method of this embodiment includes the following steps:
  • the first terminal After the first terminal sends the first request for opening the data credential to the server, sending, to the server, a second request for resetting the data credential opening date, where the second request includes the data credential reset Opening a date; the first request includes a value that configures the data credential.
  • the data credential is generated by the server according to the application of the first terminal, locking the right value of the data in the data unit of the first terminal and the data of the data credential value.
  • the request further includes identification information of the first terminal.
  • the first request further includes the identification information of the second terminal of the data credential interaction to facilitate the server to implement data interaction between the first terminal and the second terminal.
  • the first terminal sends a second reset to the server to reset the date of opening the data credential because the opening date set by the first terminal user is unreasonable.
  • a request wherein the second request includes an opening date for resetting the data voucher.
  • the server receives the first request and the second request.
  • the server parses the identifier information of the first terminal to determine whether the identifier information is valid information, and if the identifier information is valid information, and the value of the data certificate meets the requirements.
  • the server sends information to the first terminal that pre-generates the data certificate.
  • the first terminal After receiving the information, the first terminal sends a second request for resetting the data voucher opening date to the server according to the user demand.
  • the server determines whether the reset opening date meets a predetermined setting condition.
  • the server receives the second request sent by the first terminal, parses the second request, obtains the opening date to be reset, and further determines whether the opening date to be reset meets the predetermined setting condition. It should be noted that the opening date to be reset is the opening date of the reset data certificate included in the second request.
  • the server determines whether the data certificate based on the first request has been generated, and if it has been generated, the second request of the first terminal to reset the opening date is an invalid request.
  • the server sends the notification information to the first terminal.
  • the first terminal user recommendation may also be given, such as re-applying for opening the data certificate, and the like, which is not limited herein. If the current data voucher has not been generated, the server determines whether the second request is authentic information, and after determining the authenticity, further determines whether the reset opening date operation is in compliance with the regulations, such as whether within a prescribed time limit or the like.
  • the server sends the first terminal
  • the feedback information is used to remind the first terminal user to reset the opening date, which is not limited herein.
  • the determining step and the sequence of the server for determining whether the reset opening date is valid is not limited to the above embodiment, and in other embodiments, the process of determining whether the reset opening date is valid is The scope of the invention is not limited herein.
  • the server if the predetermined setting condition is met, the server resets an opening date of the data credential, and locks data equal to the numerical value in the data unit of the first terminal when the reset opening date arrives Permissions and generate the data credentials.
  • the server determines that the reset data credential opening date is a valid opening date
  • the server resets the opening date of the data credential, and when the date arrives, further determines the first Whether the value of the data in the data unit of the terminal is not smaller than the size of the data included in the first request, and if not less, the server locks the permission of the data in the first terminal data unit that is equal in size to the value included in the request. And generate the data voucher.
  • the server when the value of the data of the data unit of the first terminal is not smaller than the value of the value included in the first request, the server sends the pre-lock information to the first terminal, where the first terminal receives the pre-lock information, and When the terminal user accepts the pre-lock message, the first terminal sends an acknowledgement message to the server in response to the pre-lock message, and the server receives the acknowledgement message, and locks the size of the data unit included in the first request and the first request. Equivalent permissions for the data and generate the data credentials.
  • the first terminal is user A and the server is user B.
  • User B is the administrator of multiple clients, and each client has a corresponding password for executing the administrator's authority, and for each client, the corresponding administrator authority has different levels of importance.
  • the client can be a device such as a personal computer, a tablet, a smart phone, or the like that can perform data interaction with the server through a network.
  • the first client is a company server
  • the second client is a tablet
  • the third client is a personal computer.
  • the user A sends a first request for opening a data credential to the user B, wherein the data credential includes a date of opening and a numerical value of the first data corresponding to the data credential, wherein the first data is a request for management of one of the clients.
  • Password for the privilege For example, User A requests User B a password for the administrator rights of the third client. User A needs to reset the opening date, and then sends a second request to user B to reset the data voucher opening date, wherein the second request includes the reset opening date.
  • the user B determines whether the opening date is a valid opening date, and when it is determined to be valid, on the date of the opening date, the user B determines that the current user A has the second customer. Whether the administrator rights of the terminal is not lower than the administrator rights of the requested third client, and when determining that the management rights of the third client are not lower than the administrator rights of the third client, the user rights of the third client are frozen and granted to the user A. Administrator rights for the third client. That is, User A will not be able to manage the third client using the corresponding password.
  • the requested data may also be text data, audio data, video data, program data, or financial data in the financial field. If it is capital data, such as funds, then the first terminal user is the first party, the server. It is a money management server, for example, a bank. If it is audio data, such as a song, the first terminal may be a client having a multimedia playing function such as a mobile phone, and the server is a music website server.
  • the first terminal re-sets the opening date of the valid data credential according to the user requirement, and the server locks the data of the first terminal and the data of the same size as the value of the data, and
  • the data voucher is generated, which facilitates the overall arrangement and use of the data by the first terminal, and improves the utilization of the data.
  • FIG. 4 is a schematic flowchart diagram of another embodiment of a data interaction processing method according to the present invention.
  • the data interaction processing method of this embodiment includes the following steps:
  • the server After receiving the first request for opening the data credential sent by the first terminal, the server receives a second request for resetting the data credential opening date sent by the first terminal, where the second request includes a resetting Determining a date of opening the data voucher; the first request includes configuring a value of the data voucher.
  • the data credential is generated by the server according to the application of the first terminal, locking the right value of the data in the data unit of the first terminal and the data of the data credential value.
  • the request further includes identification information of the first terminal.
  • the first request further includes the identification information of the second terminal of the data credential interaction to facilitate the server to implement data interaction between the first terminal and the second terminal.
  • the first terminal sends a second reset to the server to reset the date of opening the data credential because the opening date set by the first terminal user is unreasonable.
  • a request wherein the second request includes an opening date for resetting the data voucher.
  • the server receives the first request and the second request.
  • the server parses the identifier information of the first terminal to determine whether the identifier information is valid information, and if the identifier information is valid information, and the value of the data certificate meets the requirements.
  • the server sends information to the first terminal that pre-generates the data certificate.
  • the first terminal After receiving the information, the first terminal sends a second request for resetting the data voucher opening date to the server according to the user demand.
  • the server receives the second request.
  • the server receives the second request sent by the first terminal, parses the second request, obtains the opening date to be reset, and further determines the validity of the opening date with the reset.
  • the server determines whether the data certificate based on the first request has been generated, and if it has been generated, the second request of the first terminal to reset the opening date is an invalid request.
  • the server sends the notification information to the first terminal.
  • the first terminal user recommendation may also be given, such as re-applying for opening the data certificate, and the like, which is not limited herein. If the current data voucher has not been generated, the server determines whether the second request is authentic information, and after determining the authenticity, further determines whether the reset opening date operation is in compliance with the regulations, such as whether within a prescribed time limit or the like.
  • the server sends the first terminal
  • the feedback information is used to remind the first terminal user to reset the opening date, which is not limited herein.
  • the determining step and the sequence of the server for determining whether the reset opening date is valid is not limited to the above embodiment, and in other embodiments, the process of determining whether the reset opening date is valid is The scope of the invention is not limited herein.
  • the server If the predetermined setting condition is met, the server resets an opening date of the data credential, and locks data equal to the numerical value in the data unit of the first terminal when the reset opening date arrives Permissions and generate the data credentials.
  • the server determines that the reset data credential opening date is a valid opening date
  • the server resets the opening date of the data credential, and when the date arrives, further determines the first Whether the value of the data in the data unit of the terminal is not smaller than the size of the data included in the first request, and if not less, the server locks the permission of the data in the first terminal data unit that is equal in size to the value included in the request. And generate the data voucher.
  • the server when the value of the data of the data unit of the first terminal is not smaller than the value of the value included in the first request, the server sends the pre-lock information to the first terminal, where the first terminal receives the pre-lock information, and When an end user accepts the freezing, the first terminal sends an acknowledgement message to the server in response to the pre-locking information, and the server receives the confirmation message, and locks the data in the data unit of the first terminal that is equal in size to the value included in the first request. Permissions and generate the data credentials.
  • the requested data may also be text data, audio data, video data, program data, or financial data in the financial field. If it is capital data, such as funds, then the first terminal user is the first party, the server. It is a money management server, for example, a bank. If it is audio data, such as a song, the first terminal may be a client having a multimedia playing function such as a mobile phone, and the server is a music website server.
  • the server generates a data credential according to the opening date of the first terminal reset data credential after locking the data of the data size corresponding to the data credential in the first terminal data unit, and
  • the first terminal is configured to reset the opening date of the data certificate that meets the preset date range of the server according to the user requirement, which is beneficial to the first terminal to arrange and use the data in an integrated manner, thereby improving data utilization.
  • FIG. 5 is a schematic structural diagram of an embodiment of a data interaction system according to the present invention.
  • the apparatus included in the data interaction processing system of this embodiment is used to execute the steps in the embodiment corresponding to FIG. 3.
  • the data interaction system of this embodiment includes a first terminal 501 and a server 502.
  • the first terminal 501 is configured to send the first request for opening the data credential to the server 502, send a second request for resetting the data credential opening date to the server 502, where the second request includes a reset a date of opening the data voucher; the first request includes a value of configuring the data voucher;
  • the server 502 is configured to determine whether the reset opening date meets a predetermined setting condition
  • the server 502 is further configured to reset an opening date of the data voucher when the reset opening date meets a predetermined setting condition, and lock the first terminal 501 when the reset opening date arrives
  • the data unit has the right to the same size as the value of the data and generates the data credential.
  • the first terminal re-sets a valid opening date according to the user requirement, and the server locks the authority of the data equal to the numerical value in the data unit of the first terminal, and generates the The data voucher is beneficial to the first end user to arrange and use the data to improve the utilization of the data.
  • FIG. 6 is a schematic structural diagram of an embodiment of a server according to the present invention.
  • the modules included in the server of this embodiment are used to perform the steps in the embodiment corresponding to FIG. 4 .
  • the server includes: a receiving module 601, a processing module 602, and an executing module 603.
  • the receiving module 601 is configured to receive, after receiving the first request for opening the data credential sent by the first terminal, a second request for resetting the data credential opening date sent by the first terminal, where the second request is And including a date of opening the data voucher; the first request includes configuring a value of the data voucher;
  • the processing module 602 is configured to determine whether the reset opening date meets a predetermined setting condition
  • the executing module 603 is configured to: when the reset opening date meets the predetermined setting condition, resetting the opening date of the data credential to lock the data unit of the first terminal and the data credential value are equal in size The permissions of the data and generate the data credentials.
  • the server after the server locks the data of the data size corresponding to the data voucher in the first terminal data unit according to the opening date reset by the first terminal, the server generates a data voucher, which can enable the first The terminal resets the opening date of the data certificate that meets the preset date range of the server according to the user's requirement, which is beneficial to the first terminal user to arrange and use the data in an integrated manner, thereby improving data utilization.

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Abstract

L'invention concerne un procédé de réglage de certificat électronique, ainsi qu'un procédé, un dispositif et un système de traitement d'interaction de données, le procédé de réglage de certificat électronique comprenant les opérations suivantes : après l'envoi d'une première requête pour ouvrir un certificat électronique à un serveur de gestion de fonds, un premier participant envoie une seconde requête pour réinitialiser une date d'ouverture du certificat électronique au serveur de gestion de fonds, la seconde requête comprenant une date d'ouverture réinitialisée du certificat électronique, la première requête comprenant une limite de certificat électronique réglée (101) ; le serveur de gestion de fonds détermine si la date d'ouverture réinitialisée satisfait ou non une condition de réglage prédéterminée (102) ; si la date d'ouverture réinitialisée satisfait la condition de réglage prédéterminée, le serveur de gestion de fonds, lorsque la date d'ouverture réinitialisée est atteinte, bloque des fonds dans un compte spécifié du premier participant qui sont égaux à la limite incluse dans la première requête ou prend en charge un crédit qui est égal à la limite incluse dans la première requête, et ouvre le certificat électronique (103). Le procédé est avantageux pour l'agencement raisonnable d'utilisation de fonds par le premier participant, améliore l'expérience, et enrichit les moyens de transaction en ligne.
PCT/CN2015/084558 2015-07-21 2015-07-21 Procédé de réglage de certificat électronique, et procédé, dispositif et système de traitement d'interaction de données Ceased WO2017011992A1 (fr)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CA2993027A CA2993027A1 (fr) 2015-07-21 2015-07-21 Procede de reglage de certificat electronique, et procede, dispositif et systeme de traitement d'interaction de donnees
PCT/CN2015/084558 WO2017011992A1 (fr) 2015-07-21 2015-07-21 Procédé de réglage de certificat électronique, et procédé, dispositif et système de traitement d'interaction de données
CA3224039A CA3224039A1 (fr) 2015-07-21 2015-07-21 Procede de reglage de certificat electronique, et procede, dispositif et systeme de traitement d'interaction de donnees

Applications Claiming Priority (1)

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PCT/CN2015/084558 WO2017011992A1 (fr) 2015-07-21 2015-07-21 Procédé de réglage de certificat électronique, et procédé, dispositif et système de traitement d'interaction de données

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WO (1) WO2017011992A1 (fr)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1540560A (zh) * 2003-10-27 2004-10-27 中国建设银行 网上银行办理转帐的方法及系统
CN103827903A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种利用网络支付的方法及系统
US20140214675A1 (en) * 2013-01-25 2014-07-31 Pankaj Sharma Push payment system and method
CN104579663A (zh) * 2013-10-24 2015-04-29 上海中移通信技术工程有限公司 用于限制数字凭证的有效性的方法
CN104735067A (zh) * 2015-03-24 2015-06-24 高艳芳 O2o实名登记准入系统及方法

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1540560A (zh) * 2003-10-27 2004-10-27 中国建设银行 网上银行办理转帐的方法及系统
US20140214675A1 (en) * 2013-01-25 2014-07-31 Pankaj Sharma Push payment system and method
CN103827903A (zh) * 2013-03-18 2014-05-28 深圳市银信网银科技有限公司 一种利用网络支付的方法及系统
CN104579663A (zh) * 2013-10-24 2015-04-29 上海中移通信技术工程有限公司 用于限制数字凭证的有效性的方法
CN104735067A (zh) * 2015-03-24 2015-06-24 高艳芳 O2o实名登记准入系统及方法

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