WO2017011999A1

WO2017011999A1 - Online funds management method, and data interaction processing method and device

Info

Publication number: WO2017011999A1
Application number: PCT/CN2015/084566
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2017-01-26
Also published as: CA2993528A1; CA2993528C

Abstract

An online funds management method, and a data interaction processing method and device. The online funds management method comprises: a first participant sends a request to freeze account funds of a second participant to a first funds management server (S101); in response to the request, the first funds management server performs first participant identity checking (S102); when the first participant identity information checking is passed, upon confirming that the funds to be frozen comprise at least a portion of funds of an electronic certificate of the second participant, the first funds management server freezes funds not greater than an electronic certificate limit, and sends information of the electronic certificate having undergone funds freezing to a second funds management server (S103); the second funds management server sends the received information of the electronic certificate to a third participant (S104); the third participant obtains the information of the electronic certificate (S105). The method effectively ensures that the interests of the third participant are not harmed, and effectively prevents the problem of risk to the data security of a third interacting party.

Description

Online fund management method, data interaction processing method and device

【技术领域】[Technical Field]

The present invention relates to the field of electronic commerce, and in particular, to an online fund management method, a data interaction processing method and apparatus.

【背景技术】【Background technique】

The current online electronic payment or online payment methods mainly include bank online banking payment (including credit card payment) and third party payment. In the existing online electronic payment or online payment, the risk in the form of a third-party payment company guarantee is small.

However, in the form of a third-party payment company guarantee, for the paying party customer or the payer, when the goods are not received, the funds have been paid to the third-party payment company, and once the third-party payment company has problems, the payer's customer or The funds of the payer are not guaranteed. Therefore, in the form of a third-party payment company guarantee, the funds of the paying party customer or the payer still have a greater risk. In particular, when the payment of the payment by the paying party customer or the payer is abnormal, the third-party company cannot intervene and prevent it in a timely and effective manner, and the commodity provider cannot obtain the funds for selling the commodity. For example, the paying party customer or the payer may not be able to properly pay the commodity provider the amount corresponding to the purchased product due to a civil economic dispute.

Further, since the user can implement data interaction in various ways through the Internet, it is necessary to provide an online data interaction processing method.

【发明内容】 [Summary of the Invention]

The object of the present invention is to provide an online fund management method, a data interaction processing method, device and system, which can effectively ensure that the interests of the goods/service providers are not impaired when the payment flow of the payer is abnormal.

In order to solve the above technical problem, the first technical solution adopted by the present invention is to provide an online fund management method, the method comprising: the first participating party sends a request for freezing the funds of the second participant account to the first fund management server. The request includes at least a frozen account, a quota of funds to be frozen, and a freeze deadline; the first fund management server performs identity verification on the first participant in response to the request; the first fund management The server freezes funds not greater than the electronic voucher amount when the server verifies that the identity information of the first party is passed, and confirms that the funds to be frozen include at least part of the funds of the second party's electronic voucher; Sending the electronic voucher information after the funds are frozen to the second fund management server; the second fund management server transmitting the received electronic voucher information to the third party; the third party obtaining the site The electronic voucher information; wherein the electronic voucher information includes at least a fund amount that can be used, the first capital Management server to the second participant's account management server, the second fund management server to the third party account management server.

In order to solve the above technical problem, the second technical solution adopted by the present invention is to provide an online fund management method, the method comprising: receiving, by the first fund management server, the frozen second participant account fund sent by the first participant a request to perform identity verification on the first party; wherein the request includes at least a frozen account number, a fund amount to be frozen, and a freeze period; the identity verification is passed, and the funds that need to be frozen are included When at least part of the funds of the second party's electronic voucher, the funds that are not greater than the electronic voucher amount are frozen; the electronic voucher information after the funds are frozen is sent to the second fund management server; wherein the electronic voucher information At least the available funds amount is included, the first fund management server is an account management server of the second participant, and the second fund management server is an account management server of the third participant.

In the above solution, when the flow of funds of the second participant is abnormal, the first participating party requests the second party's account management server to request to freeze at least part of the funds of the second party account; after successfully freezing the funds, the second party's The account management server notifies the third party of the information of the second party's electronic voucher through the third party's account management server, and can notify the third party in time when the second participant's money flow is abnormal, effectively guaranteeing the first party The financial interests of the three parties are not impaired. The account management server of the second party may also notify the third party through the account management server of the third party when the freezing period expires and the frozen funds in the electronic certificate are thawed, so as to ensure that the third party knows in real time Dynamic information of the electronic credentials of the two participants.

In order to solve the above technical problem, the third technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes: the first interaction direction, the first service party, sending the frozen at least part of the data of the second interaction party data unit. a request for a data value; wherein the request includes at least a frozen data value and a freeze deadline; the first server performs identity verification on the first interacting party upon receiving the request; The service party freezes no more than the data voucher data value when the identity verification of the first interaction party passes and the data value that needs to be frozen is confirmed to include at least part of the data value of the data voucher of the second interaction party. The first data of the size, the data credential information that is frozen by the first data is sent to the second serving party; the second serving party sends the received data credential information to the third interacting party; The third interacting party obtains the data credential information.

In order to solve the above technical problem, the fourth technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: receiving, by the first servant, at least the frozen second interaction party data unit sent by the first interaction party The first interactive party performs identity verification on the request of the data value of the partial data; wherein the request includes at least an identifier of the data unit that needs to be frozen, a data value that needs to be frozen, and a freeze period; And confirming that the data value that needs to be frozen includes at least part of the data value of the data credential of the second interacting party, freezing the first data that is not greater than the data credential data value; The data voucher information is sent to the second servant.

In order to solve the above technical problem, the fifth technical solution adopted by the present invention is to provide a data interaction processing apparatus, where the apparatus includes a receiving module, configured to freeze at least part of the second interactive party data unit sent by the first interaction party. a request for the data value of the data, performing an identity check on the first interacting party, and confirming whether the data value to be frozen includes at least part of the data value of the data credential of the second interacting party; wherein the request includes at least An identifier of the data unit to be frozen, a data value to be frozen, and a freeze period; a verification module for performing identity verification on the first interaction party; and a processing module configured to identify the identity in the verification module Verifying the pass, and confirming that the data value to be frozen includes at least part of the data value of the data credential of the second interacting party, freezing the first data not greater than the data credential data value; the sending module is configured to pass The data credential information that freezes the first data is sent to the second servant.

In the above solution, when the data flow of the second interaction party is abnormal, the service party of the second interaction party of the first interaction direction requests to freeze the data value of at least part of the data of the data unit of the second interaction party; the service of the second interaction party After the party invokes the data voucher to successfully freeze the first data in the data voucher according to the request, the change information of the data credential of the second interacting party is notified to the third interacting party through the service party of the third interacting party, and the second interacting party can be When the data flow is abnormal, the third interaction party is notified in time, and the risk of data security of the third interaction party is effectively avoided.

The servant of the second interacting party may also notify the third interacting party through the servant of the third interacting party when the freezing data period expires and unfreeze the frozen data value in the data credential, so as to ensure that the third interacting party knows in real time Dynamic information of the data credentials of the two interacting parties.

【附图说明】 [Description of the Drawings]

1 is a schematic flow chart of an embodiment of an online fund management method according to the present invention;

2 is a schematic diagram of an online fund management relationship in an embodiment of the present invention;

3 is a schematic flow chart of another embodiment of an online fund management method of the present invention;

4 is a schematic flow chart of an embodiment of a data interaction processing method according to the present invention;

FIG. 5 is a schematic flowchart diagram of another embodiment of a data interaction processing method according to the present invention; FIG.

6 is a schematic structural diagram of an embodiment of a data interaction processing system according to the present invention;

FIG. 7 is a schematic structural diagram of an embodiment of a data interaction processing apparatus according to the present invention.

【具体实施方式】【detailed description】

The present invention will be described in detail below with reference to the accompanying drawings and embodiments.

Please refer to FIG. 1 , which is a schematic flowchart of an embodiment of an online fund management method according to the present invention. Please refer to FIG. 2 together. FIG. 2 is a schematic diagram of the relationship of online fund management according to an embodiment of the present invention. The online fund management method includes the following steps:

S101: The first participation direction sends a request for freezing the funds of the second participant account to the first fund management server.

When the second participant purchases the goods/services to the third party, and the capital flow of the second party account is abnormal (for example, the second participant is involved in a civil economic dispute), the first participant intervenes.

The first participation direction sends a request for freezing the funds of the second participant account to the first fund management server. The request includes at least a frozen account, a quota of funds to be frozen, and a freeze period. The first fund management server is an account management server of the second participant.

Further, the first party is a third party institution, and the third party institution has the authority to freeze funds. The third party institution is at least one of the public security organs, the procuratorate, the court, the security agency, the military security department, the prison security department, the customs, and the tax, but it is not limited to this, and may also be other institutions with the authority to freeze funds. There are no restrictions.

S102: The first fund management server performs identity verification on the first participant in response to the request.

After receiving the first participant and the sent request, the first fund management server performs identity verification on the identity information of the first participant in response to the request to confirm whether the identity information of the first participant is authentic and valid, and confirms Whether the funds that need to be frozen include at least part of the funds of the electronic credentials of the second party.

Wherein, when the first fund management server confirms that the funds other than the electronic voucher in the second participant account are smaller than the funds that need to be frozen, the funds that need to be frozen include at least part of the funds of the electronic credentials of the second participant.

When the first fund management server confirms that the identity information of the first participant is not authentic, the identity error prompt information is sent to the first participant to prompt the first participant identity information to be incorrect.

When the first fund management server confirms that the identity information of the first participant is authentic and confirms that the funds to be frozen include at least part of the funds of the electronic credentials of the second participant, step S103 is performed.

S103: The first fund management server freezes the identity information of the first participant and confirms that the fund to be frozen includes at least part of the funds of the electronic certificate of the second participant, the freeze is not greater than And the electronic voucher information is sent to the second fund management server.

When the first fund management server confirms that the identity information of the first party is authentic and confirms that the funds to be frozen include at least part of the funds of the second party's electronic certificate, calling the pre-stored electronic certificate of the second participant, To read the information in the electronic voucher and freeze the funds not greater than the electronic voucher amount to suspend the second party to use at least part of the frozen funds in the electronic voucher. After that, the electronic voucher information after the funds are frozen is sent to the second fund management server.

It can be understood that all the funds corresponding to the electronic voucher can be frozen, and only a part of the funds in the electronic voucher can be frozen, which is not limited herein.

The electronic voucher involved in the embodiment of the present invention may be referred to as a “silver letter certificate”. The silver letter certificate is an electronic credit commitment payment certificate that the fund management institution freezes the applicant's funds or the credit line according to the application of the applicant (second party) and opens the bank in the name of the bank, and promises to settle according to the agreed conditions.

The electronic voucher includes at least the amount of funds. The electronic voucher information includes at least the amount of funds available for use. The second fund management server is an account management server of the third party. The second fund management server is an account management server of the third party.

Further, the first fund management server is the fund management server of the first bank, the second fund management server is the fund management server of the second bank; the thawed fund is the deposit of the second party in the first fund management server, or the first A fund management server gives the credit amount of the second participant or the funds corresponding to the real property mortgaged by the second party at the first fund management server.

Further, in another embodiment, the first money management server and the second money management server may be the same money management server.

Further, after freezing the funds not greater than the electronic voucher amount, the fund freezing information is recorded. The information of the fund freezing includes at least the amount of funds available, and may also include information of the first party requesting the freezing of the funds, the amount of the frozen funds, and the like.

Further, after the first fund management server sends the electronic voucher information after the funds are frozen to the second fund management server, the first fund management server determines whether the freezing period of the electronic certificate expires, and confirms whether the first participation is received. A request sent by the party to continue freezing the funds of the second participant's account.

When the first fund management server determines that the freezing period of the electronic voucher expires and receives the request from the first party to continue to freeze the funds of the second party account, the process returns to step S102 to perform identity verification on the first party.

When the first fund management server determines that the freezing period of the electronic voucher expires and does not receive the request of the first party to continue to freeze the funds of the second party account, the frozen funds in the electronic voucher are unfrozen and the funds are released. The subsequent electronic voucher information is sent to the second money management server.

S104: The second fund management server sends the received electronic voucher information to a third party.

The second fund management server sends the received electronic voucher information sent by the first fund management server to the third party.

S105: The third participant obtains the electronic voucher information.

After obtaining the electronic voucher information sent by the second fund management server, the third party acquires the available fund amount of the electronic voucher, and confirms whether to continue the transaction with the second party.

For example, when the third party obtains the amount of funds in the electronic voucher of the second participant that is less than the amount corresponding to the goods/services purchased by the second party, the third party refuses to continue the transaction with the second party. The third party may not ship the second party or recall the goods that have already been issued.

In the above solution, when the flow of funds of the second participant is abnormal, the first participating party requests the second party's account management server to request to freeze at least part of the funds of the second party account; after successfully freezing the funds, the second party's The account management server notifies the third party of the information of the second party's electronic voucher through the third party's account management server, and can notify the third party in time when the second participant's money flow is abnormal, effectively guaranteeing the first party The financial interests of the three parties are not impaired.

The account management server of the second party may also notify the third party through the account management server of the third party when the freezing period expires and the frozen funds in the electronic certificate are thawed, so as to ensure that the third party knows in real time Dynamic information of the electronic credentials of the two participants.

Please refer to FIG. 3. FIG. 3 is a schematic flowchart diagram of an embodiment of an online fund management method according to the present invention. The execution subject of this embodiment is the first fund management server. The online fund management method in this embodiment includes the following steps:

S201: The first fund management server receives a request for freezing the second participant account fund sent by the first participant, and performs identity verification on the first participant.

When the first participation direction first fund management server sends a request to freeze the funds of the second participant account, the first fund management server receives the request, and performs identity verification on the first participant to confirm the identity information of the first participant. Whether it is true and legal, and whether the funds that need to be frozen include at least part of the funds of the second party's electronic certificate.

The request includes at least a frozen account, a quota of funds to be frozen, and a freeze period. The first fund management server is an account management server of the second participant.

When the first fund management server confirms that the funds other than the electronic voucher in the second participant account are smaller than the funds that need to be frozen, the funds that need to be frozen include at least part of the funds of the electronic credentials of the second participant.

When the first fund management server confirms that the identity information of the first party is authentic and confirms that the funds to be frozen include at least part of the funds of the second party's electronic certificate, step S202 is performed.

S202: When the identity verification is passed, and the funds that need to be frozen are included to include at least part of the funds of the second participant's electronic voucher, the funds not greater than the electronic voucher amount are frozen.

When the first fund management server confirms that the identity information of the first participant is authentic, the pre-stored electronic certificate of the second participant is invoked to read the information in the electronic voucher, and the funds not greater than the electronic voucher amount are frozen to suspend The second party uses at least a portion of the frozen funds in the electronic voucher. It can be understood that all the funds corresponding to the electronic voucher can be frozen, and only a part of the funds in the electronic voucher can be frozen, which is not limited herein.

The electronic voucher involved in the embodiment of the present invention may be referred to as a “silver letter certificate”. The silver letter certificate is an electronic credit commitment payment certificate that the fund management institution freezes the applicant's funds or the credit line according to the application of the applicant (second party) and opens the bank in the name of the bank, and promises to settle according to the agreed conditions. The basic business process of the Bank's letter of credit: The issuing bank freezes the required amount of funds according to the application of the issuer to open a bank letter. When the agreed settlement conditions are met, the issuing bank will settle the funds for payment settlement.

The electronic voucher includes at least the amount of funds. The second fund management server is an account management server of the third party. The second fund management server is an account management server of the third party.

S203: Send the electronic voucher information after the funds are frozen to the second fund management server.

After the first fund management server freezes the funds not greater than the electronic voucher amount according to the request, the electronic voucher information after the funds are frozen is sent to the second fund management server, so that the second fund management server sends the received electronic voucher information to the first The third party, so that the third party, after obtaining the electronic voucher information, confirms whether to continue the transaction with the second party.

The electronic voucher information includes at least an available fund amount, and the second fund management server is an account management server of the third party.

When the first fund management server determines that the freezing period of the electronic voucher expires and receives the request from the first party to continue to freeze the funds of the second party account, the process returns to step S201 to perform identity verification on the first party.

In the above solution, when the flow of funds of the second participant is abnormal, the first fund management server responds to the request of the first party to freeze the funds of the second party account; and successfully freezes the second party according to the request of the request. After the account funds, the electronic voucher information of the second party account is notified to the third party through the account management server of the third party, and the third party can be notified in time when the flow of funds of the second party is abnormal, and the guarantee is effectively guaranteed. The interests of the third party are not impaired.

The first fund management server may also notify the third party through the account management server of the third party when the frozen period expires and the frozen funds in the electronic certificate are thawed, so as to ensure that the third party participates in the second participation in real time. Dynamic information of the party's electronic voucher.

Please refer to FIG. 4. FIG. 4 is a schematic flowchart diagram of an embodiment of a data interaction processing method according to the present invention. The data interaction processing method in this embodiment includes the following steps:

S301: The first servant receives the request of the first interaction party to freeze the data value of the at least part of the data of the second interaction party data unit, and performs identity verification on the first interaction party.

When the second interaction party performs data interaction with the third interaction party, and the data unit of the second interaction party is abnormal, the first interaction direction sends the data value of the at least part of the data of the second interaction party data unit. request. The request includes at least an identifier of a data unit that needs to be frozen, a data value that needs to be frozen, and a freeze period.

S302: The first serving party performs identity verification on the first interacting party when receiving the request.

When receiving the request, the first servant performs identity verification on the identity information of the first interacting party to confirm whether the identity information of the first interacting party is authentic, and whether the data value that needs to be frozen includes the second interacting party. At least part of the data value of the data credential.

Wherein, when the first service party confirms that the data value other than the data value of the data voucher in the second interaction party data unit is smaller than the data value that needs to be frozen, the data value that needs to be frozen includes the data certificate of the second interaction party. At least part of the data value.

When the first servant confirms that the identity information of the first interaction party is not authentic, the identity error prompt information is sent to the first participant to prompt the first interaction party identity information to be incorrect.

When the first servant confirms that the identity information of the first interacting party is true, and the data value to be frozen needs to include at least part of the data value of the data credential of the second interacting party, step S303 is performed.

S303: When the first service party passes the identity verification of the first interaction party, and confirms that the data value that needs to be frozen includes at least part of the data value of the data identifier of the second interaction party, the freeze is not greater than The first data of the data voucher data value.

When the first servant confirms that the identity information of the first interacting party is true, and confirms whether the data value that needs to be frozen includes at least part of the data value of the data vouchers of the second interacting party, calling the data vouchers of the second interacting party saved in advance And acquiring the information included in the data voucher, and freezing the first data not greater than the data voucher data value to suspend the second interaction party to use the frozen first data. It can be understood that the first data may be the data value of the data voucher or may be smaller than the data value of the data voucher.

Thereafter, the data credential information of the frozen first data is sent to the second servant. The data credential information includes at least a data value that is not frozen.

Further, after the step of the first servant transmitting the data credential information of the frozen first data to the second servant, the first servant further determines whether the freezing period of the data credential expires and whether the first interacting party is received A request to continue freezing the data value of at least a portion of the data of the second interactive party data unit.

When the first servant determines that the freeze period of the data credential expires and receives a request from the first interlocutor to continue freezing the data value of at least part of the data of the second interlocutor data unit, returning to step S302, the first interaction The party performs identity verification.

Decompressing the first data of the data voucher when the first servant determines that the freeze period of the data voucher has expired and does not receive a request from the first interlocutor to continue freezing the data value of at least part of the data of the second interlocutor data unit And sending the data credential information after the first data is thawed to the second servant.

S304: The second server sends the received data credential information to the third interacting party.

The second server sends the received data credential information to the third interacting party.

S305: The third interaction party obtains the data credential information.

The third interacting party obtains the data credential information sent by the second server, and further confirms whether to continue with the second interacting party.

The data interaction processing method in the embodiment of the present invention is exemplified below.

For example, the first interaction party is user A, the second interaction party is user B, user B corresponds to the first service party, the third interaction party is for C, and user C corresponds to the second service party. User B is the administrator of multiple clients and has a corresponding password for each client to perform administrator privileges. User A has higher administrative privileges than User B. 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.

When the user C obtains the password of the management authority of the client 2 from the user B, and applies for the data certificate of the user B through the second service direction, and the data flow of the user B is abnormal, the user A with the higher management authority intervenes. management. User A sends a request to the first servant to freeze the password for the administrative rights of at least part of the client B data unit.

The first servant invokes the data of the user B when the user A is authenticated and confirms that the password of the management authority of the client managed by the user B needs to be frozen, including the password of the management authority of at least part of the data of the user B. Credentials, to obtain the password of the administrative rights of all clients managed by User B, and to freeze the passwords of the administrative rights of some clients.

The first servant sends the change information of the data credential of the user B to the second servant, so that the second servant will notify the user C of the change information, so that after the user C obtains the change information of the data credential of the user B, It is possible to confirm whether or not the password for the management right of the client 2 can be obtained. When the password of the management right of the client 2 cannot be obtained, the data interaction with the user A is suspended. The change information of the data credential of the user B includes at least a password that is an administrative right of the frozen client.

The user A has a higher management authority than the user B. When the account information of the user B is abnormal, the user A performs risk control on the data interaction between the user C and the user B, thereby preventing the user C from obtaining the client data. The situation and the risk of avoiding client data security.

Further, 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 interacting party is a third party authorized institution ( For example, the court, customs, tax agency, the second interacting party is the buyer, the third interacting party is the seller, the first servant is the first fund management server, and the second servant is the second fund management server, for example, the bank. If it is audio data, such as a song, the data requester and the data originator may be a client having a multimedia playing function such as a mobile phone, and the server is a music website server.

Referring to FIG. 5, FIG. 5 is a schematic flowchart diagram of another embodiment of a data interaction processing method according to the present invention. The execution subject of this embodiment is the first service party. The data interaction processing method in this embodiment includes the following steps:

S401: The first service party receives a request for the data value of the at least part of the data of the second interaction party data unit that is sent by the first interaction party, performs identity verification on the first interaction party, and performs the identity verification on the first interaction party. Identity verification.

When the second interaction party performs data interaction with the third interaction party, and the data unit of the second interaction party is abnormal, the first service party receives the first interaction direction, and the at least one of the frozen second interaction party data units sent by the first service party Request for data values for partial data. The request includes at least an identifier of a data unit that needs to be frozen, a data value that needs to be frozen, and a freeze period.

When receiving the request, the first servant performs identity verification on the first interaction party to confirm whether the identity information of the first interaction party is authentic, and confirms whether the data value that needs to be frozen includes the data of the second interaction party. At least part of the data value of the voucher.

When the first servant confirms that the identity information of the first interacting party is authentic, and confirms that the data value that needs to be frozen includes at least part of the data value of the data vouchers of the second interacting party, step S402 is performed.

S402: When the identity check is passed, and the data value that needs to be frozen is confirmed to include at least part of the data value of the data credential of the second interacting party, the first data that is not greater than the data credential data value is frozen.

When the first servant confirms that the identity information of the first interacting party is true, the data credential of the second interacting party saved in advance is invoked to obtain the information contained in the data credential. The data credential information includes at least a data value.

After acquiring the information contained in the data credential, the first server freezes the first data that is not larger than the data voucher data value. It can be understood that the first data may be the data value of the data voucher or may be smaller than the data value of the data voucher.

S403: Send the data credential information that has been frozen by the first data to a second serving party.

Afterwards, the first servant sends the data credential information of the frozen first data to the second servant, so that the third interacting party obtains the data when receiving the data credential information sent by the second servant. Voucher information, and then confirm whether to continue with the second interaction party. The data credential information includes at least a data value that is not frozen.

When the first servant determines that the freeze period of the data credential has expired, and receives a request from the first interlocutor to continue freezing the data value of at least part of the data of the second interlocutor data unit, returning to step S401, the first interaction The party performs identity verification.

In the above solution, when the data flow of the second interaction party is abnormal, the first service party receives the request of the first interaction party to freeze the data value of at least part of the data unit of the second interaction party; the first service party invokes After the data credential of the second interacting party is successfully frozen according to the data value of at least part of the data, the change information of the data credential of the second interacting party is notified to the third interacting party by the serving party of the third interacting party, and can be in the second When the data flow of the interaction party is abnormal, the third interaction party is notified in time, and the risk of data security of the third interaction party is effectively avoided.

The first servant may also notify the third interacting party through the third interacting party when the frozen data period expires and unfreeze the frozen data value in the data credential, so as to ensure that the third interacting party knows the second interacting party in real time. Dynamic information of the data credentials.

Please refer to FIG. 6. FIG. 6 is a schematic structural diagram of an embodiment of a data interaction processing system according to the present invention. The data interaction processing system in this embodiment includes a first interaction party, a second interaction party, a first service party, a second service party, and a third interaction party. Each of the interacting parties and the servant included in the data interaction processing system in this embodiment is used to execute the steps in the embodiment corresponding to FIG. 4 and FIG. 4 . For details, refer to the embodiment corresponding to FIG. 4 and FIG. 4 . Narration.

The first interacting party is configured to send a request to the first servant to freeze the data value of at least part of the data of the second interacting party data unit. The request includes at least an identifier of a data unit that needs to be frozen, a data value that needs to be frozen, and a freeze period.

The first servant is configured to receive the request, perform identity verification on the first interacting party, pass the identity verification on the first interacting party, and confirm that the data value that needs to be frozen includes at least the data vouchers of the second interacting party. When the data value is partial, the first data that is not greater than the data voucher data value is frozen; wherein the data voucher includes at least the data value.

The second servant is configured to send the received data credential information to the third interacting party.

The third interacting party is used to obtain data credential information.

Please refer to FIG. 7. FIG. 7 is a schematic structural diagram of an embodiment of a data interaction processing apparatus according to the present invention. The modules included in the data interaction processing device in this embodiment are used to perform the steps in the embodiment corresponding to FIG. 5 and FIG. 5 . For details, refer to the embodiments in FIG. 5 and FIG. 5 , and details are not described herein. The data interaction processing apparatus 700 in this implementation includes a receiving module 710, a verification module 720, a processing module 730, and a sending module 740.

The receiving module 710 is configured to perform, by the first interaction party, a request for freezing the data value of the at least part of the data of the second interaction party data unit, and perform identity verification on the first interaction party, where the request includes at least an identifier of the data unit that needs to be frozen. The data values that need to be frozen and the freeze period.

The verification module 720 is configured to perform identity verification on the first interaction party, and confirm whether the data value that needs to be frozen includes at least part of the data value of the data certificate of the second interaction party.

The processing module 730 is configured to invoke the data of the second interaction party when the verification module 720 passes the identity verification and confirms that the data value that needs to be frozen includes at least part of the data value of the data identifier of the second interaction party. A credential that freezes the first data that is not greater than the data credential data value.

The sending module 740 is configured to send the data credential information of the frozen first data to the second server; wherein the data credential information includes at least a data value that is not frozen.

Further, the processing module 730 is further configured to: after the sending module 740 sends the data credential information of the frozen first data to the second serving party, determine whether the freezing period of the data credential expires, and determine whether the receiving module 710 receives the first a request sent by the interacting party to continue freezing the data value of at least part of the data of the second interacting party data unit;

When the processing module 730 determines that the freeze period of the data credential expires, and the receiving module 710 receives the request sent by the first interacting party to continue freezing the data value of at least part of the data of the second interacting party data unit, the identity of the first interacting party is performed. check;

When the processing module 730 determines that the freeze period of the data credential has expired, and the receiving module 710 does not receive the request from the first interlocutor to continue freezing the data value of at least part of the data of the second interlocutor data unit, the first of the defrosted data credential The data and control sending module 740 sends the data credential information after the first data is thawed to the second server.

In the above solution, when the data flow of the second interacting party is abnormal, the data interaction processing device receives a request sent by the first interacting party to freeze the data value of at least part of the data unit of the second interacting party; After the data credential is successfully frozen according to the data value of at least part of the data, the change information of the data credential of the second interacting party is notified to the third interacting party by the third interacting party, and the data of the second interacting party can be When the flow is abnormal, the third interaction party is notified in time, and the risk of data security of the third interaction party is effectively avoided.

The data interaction processing device may also notify the third interaction party through the service party of the third interaction party when the freeze data period expires and unfreeze the frozen data value in the data certificate, so as to ensure that the third interaction party knows the second interaction party in real time. Dynamic information of the data credentials.

The above is only the embodiment of the present invention, and is not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformations made by the description of the invention and the drawings are directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of the present invention.

Claims

An online fund management method, characterized in that the method comprises:

The first participation direction sends a request for freezing the funds of the second participant account to the first fund management server; wherein the request includes at least a frozen account, a quota of funds to be frozen, and a freeze period;

The first fund management server performs identity verification on the first participant in response to the request;

When the first fund management server verifies that the identity information of the first party is verified, and confirms that the funds to be frozen include at least part of funds of the electronic credentials of the second participant, the freeze is not greater than the The funds of the electronic voucher amount, and sending the electronic voucher information after the funds are frozen to the second fund management server;

Sending, by the second fund management server, the received electronic voucher information to a third participant;

The third participant obtains the electronic voucher information;

The electronic voucher information includes at least a usable fund amount, the first fund management server is an account management server of the second participant, and the second fund management server is an account of the third participant. Management server.
The online fund management method according to claim 1, wherein the first fund management server passes the verification of the identity of the first participant, and confirms that the funds that need to be frozen include the second After at least part of the funds of the electronic voucher of the participant, after the step of freezing the electronic voucher information after the funds are frozen to the second fund management server, the method further includes:

When the first fund management server determines that the freezing period of the electronic voucher expires, and receives a request from the first party to continue to freeze the funds of the second party account, performing the first participation The step of performing identity verification;

Unfreezing the electronic voucher when the first fund management server determines that the freezing period of the electronic voucher expires and does not receive the request from the first party to continue to freeze the funds of the second party account The funds are sent to the second fund management server by releasing the electronic voucher information after the funds are frozen.
The online money management method according to claim 1, wherein said first

The fund management server is a fund management server of the first bank, and the second fund management server is a fund management server of the second bank.
The online money management method according to claim 1, wherein said first

The fund management server and the second fund management server are the same fund management server.
The online fund management method according to claim 1, wherein the first party is a third party institution, and the third party institution is at least one of a public security organ, a procuratorate, a court, a customs, and a tax.
An online fund management method, characterized in that the method comprises:

The first fund management server receives a request for freezing the second participant account fund sent by the first participant, and performs identity verification on the first participant; wherein the request includes at least a frozen account, a quota of funds to be frozen, and Freezing period

When the identity verification is passed and it is confirmed that the funds to be frozen include at least part of the funds of the second participant's electronic voucher, the funds not greater than the electronic voucher amount are frozen;

Sending the electronic voucher information after the funds are frozen to the second fund management server;

The electronic voucher information includes at least a fund amount that can be used, the first fund management server is an account management server of the second participant, and the second fund management server is an account management server of the third participant. .
A data interaction processing method, the method comprising:

Transmitting, by the first serving party, a request for freezing the data value of at least part of the data of the second interactive party data unit; wherein the request includes at least an identifier of the data unit that needs to be frozen, a data value that needs to be frozen, and a freeze period;

When the first service party receives the request, performing identity verification on the first interaction party;

When the first servant passes the identity verification of the first interaction party and confirms that the data value to be frozen includes at least part of the data value of the data vouchers of the second interaction party, the freeze is not greater than the The first data of the data voucher data value size is sent to the second service party by the data credential information that freezes the first data; the second service party sends the received data voucher information to the third Interaction party

The third interacting party obtains the data credential information.
The data interaction processing method according to claim 7, wherein the first service party passes the identity verification of the first interaction party, and confirms that the data value that needs to be frozen includes the second interaction. When at least part of the data value of the party's data voucher is frozen, the first data that is not larger than the size of the data voucher data value is frozen, and after the step of transmitting the data voucher information of the first data to the second server is performed, The method further includes:

When the first server determines that the freeze period of the data credential has expired, and receives a request from the first interacting party to continue to freeze the data value of at least part of the data of the second interacting party data unit, executing a step of performing identity verification on the first interacting party;

When the first servant determines that the freeze period of the data credential has expired and does not receive a request from the first interlocutor to continue to freeze the data value of at least part of the data of the second interlocutor data unit, The first data of the data voucher is thawed, and the data voucher information after the first data is thawed is sent to the second server.
A data interaction processing method, the method comprising:

Receiving, by the first servant, a request for freezing, by the first interacting party, a data value of at least part of data of the second interacting party data unit, performing identity verification on the first interacting party; wherein the request includes at least The identity of the data unit, the data value that needs to be frozen, and the freeze period;

When the identity check passes, and confirms that the data value to be frozen includes at least part of the data value of the data credential of the second interacting party, freezing the first data that is not greater than the data credential data value;

The data credential information that has been frozen by the first data is sent to the second servant.
A data interaction processing device, characterized in that the device comprises:

a receiving module, configured to perform, by the first interacting party, a request for freezing data values of at least part of data of the second interactive party data unit, performing identity verification on the first interacting party; wherein the request includes at least The identity of the data unit, the data value that needs to be frozen, and the freeze period;

a verification module, configured to perform identity verification on the first interaction party, and confirm whether the data value that needs to be frozen includes at least part of a data value of the data certificate of the second interaction party;

a processing module, configured to invoke the second interaction when the verification module passes the identity check and confirms that the data value that needs to be frozen includes at least part of the data value of the data identifier of the second interaction party a data credential of the party, freezing the first data not greater than the data voucher data value;

And a sending module, configured to send the data credential information that has been frozen by the first data to a second serving party.