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WO2017011999A1 - Procédé de gestion de fonds en ligne, ainsi que procédé et dispositif de traitement d'interaction de données - Google Patents

Procédé de gestion de fonds en ligne, ainsi que procédé et dispositif de traitement d'interaction de données Download PDF

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Publication number
WO2017011999A1
WO2017011999A1 PCT/CN2015/084566 CN2015084566W WO2017011999A1 WO 2017011999 A1 WO2017011999 A1 WO 2017011999A1 CN 2015084566 W CN2015084566 W CN 2015084566W WO 2017011999 A1 WO2017011999 A1 WO 2017011999A1
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WO
WIPO (PCT)
Prior art keywords
data
party
management server
frozen
funds
Prior art date
Application number
PCT/CN2015/084566
Other languages
English (en)
Chinese (zh)
Inventor
张毅
Original Assignee
深圳市银信网银科技有限公司
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 深圳市银信网银科技有限公司 filed Critical 深圳市银信网银科技有限公司
Priority to CA2993528A priority Critical patent/CA2993528C/fr
Priority to PCT/CN2015/084566 priority patent/WO2017011999A1/fr
Publication of WO2017011999A1 publication Critical patent/WO2017011999A1/fr

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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

Definitions

  • 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.
  • the current online electronic payment or online payment methods mainly include bank online banking payment (including credit card payment) and third party payment.
  • bank online banking payment including credit card payment
  • third party payment In the existing online electronic payment or online payment, the risk in the form of a third-party payment company guarantee is small.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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
  • 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.
  • FIG. 1 is a schematic flow chart of an embodiment of an online fund management method according to the present invention.
  • FIG. 2 is a schematic diagram of an online fund management relationship in an embodiment of the present invention.
  • FIG. 3 is a schematic flow chart of another embodiment of an online fund management method of the present invention.
  • FIG. 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.
  • FIG. 1 is a schematic flowchart of an embodiment of an online fund management method according to the present invention.
  • 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:
  • the first participation direction sends a request for freezing the funds of the second participant account to the first fund management server.
  • 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.
  • 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.
  • the first fund management server 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.
  • the funds that need to be frozen include at least part of the funds of the electronic credentials of the second participant.
  • the identity error prompt information is sent to the first participant to prompt the first participant identity information to be incorrect.
  • step S103 is performed.
  • 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.
  • 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.
  • 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.
  • 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
  • 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.
  • first money management server and the second money management server may be the same money management server.
  • 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.
  • 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.
  • the process returns to step S102 to perform identity verification on the first party.
  • 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.
  • 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.
  • the third party 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.
  • the third party 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.
  • 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.
  • 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:
  • 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.
  • the first participant intervenes.
  • the first fund management server 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.
  • the funds that need to be frozen include at least part of the funds of the electronic credentials of the second participant.
  • the identity error prompt information is sent to the first participant to prompt the first participant identity information to be incorrect.
  • step S202 is performed.
  • 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.
  • 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.
  • S203 Send the electronic voucher information after the funds are frozen to the second fund management server.
  • 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.
  • 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.
  • 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.
  • the process returns to step S201 to perform identity verification on the first party.
  • 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.
  • 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.
  • 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.
  • 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:
  • 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.
  • 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.
  • the first servant 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.
  • the data value that needs to be frozen includes the data certificate of the second interaction party. At least part of the data value.
  • the identity error prompt information is sent to the first participant to prompt the first interaction party identity information to be incorrect.
  • step S303 is performed.
  • 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.
  • the first data may be the data value of the data voucher or may be smaller than the data value of the data voucher.
  • 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.
  • 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.
  • 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.
  • 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 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
  • 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.
  • 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.
  • 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.
  • 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 are possible.
  • the requested data may also be text data, audio data, video data, program data, or financial data in the financial field.
  • capital data such as funds
  • 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
  • the second servant is the second fund management server, for example, the bank.
  • 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
  • the server is a music website server.
  • 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
  • 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.
  • 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:
  • 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.
  • 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.
  • the first servant 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.
  • the data value that needs to be frozen includes the data certificate of the second interaction party. At least part of the data value.
  • the identity error prompt information is sent to the first participant to prompt the first interaction party identity information to be incorrect.
  • step S402 is performed.
  • the data credential information includes at least a data value.
  • the first server freezes the first data that is not larger than the data voucher data value.
  • 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.
  • 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.
  • 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.
  • 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.
  • the first service party when the data flow of the second interaction party is abnormal, 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.
  • 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 .
  • 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.
  • 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.
  • the first service party when the data flow of the second interaction party is abnormal, 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.
  • 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 .
  • 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 are 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.
  • 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;
  • 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;
  • the data and control sending module 740 sends the data credential information after the first data is thawed to the second server.
  • 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.

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  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
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  • General Physics & Mathematics (AREA)
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  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
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Abstract

La présente invention concerne un procédé de gestion de fonds en ligne, ainsi qu'un procédé et un dispositif de traitement d'interaction de données. Le procédé de gestion de fonds en ligne comprend les étapes suivantes : un premier participant envoie, à un premier serveur de gestion de fonds, une demande pour geler des fonds de compte d'un deuxième participant (S101) ; en réponse à la demande, le premier serveur de gestion de fonds réalise un contrôle d'identité du premier participant (S102) ; lorsque le contrôle des informations d'identité du premier participant est réussi, lors de la confirmation que les fonds à geler comprennent au moins une partie de fonds d'un certificat électronique du deuxième participant, le premier serveur de gestion de fonds gèle les fonds qui ne sont pas supérieurs à une limite de certificat électronique et envoie des informations du certificat électronique ayant subi le gel des fonds à un second serveur de gestion de fonds (S103) ; le second serveur de gestion de fonds envoie les informations reçues du certificat électronique à un troisième participant (S104) ; le troisième participant obtient les informations du certificat électronique (S105). Le procédé assure efficacement que les intérêts du troisième participant ne sont pas lésés et empêche efficacement le problème lié au risque pour la sécurité des données d'une troisième partie interagissante.
PCT/CN2015/084566 2015-07-21 2015-07-21 Procédé de gestion de fonds en ligne, ainsi que procédé et dispositif de traitement d'interaction de données WO2017011999A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
CA2993528A CA2993528C (fr) 2015-07-21 2015-07-21 Procede de gestion de fonds en ligne, ainsi que procede et dispositif de traitement d'interaction de donnees
PCT/CN2015/084566 WO2017011999A1 (fr) 2015-07-21 2015-07-21 Procédé de gestion de fonds en ligne, ainsi que procédé et dispositif de traitement d'interaction de données

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PCT/CN2015/084566 WO2017011999A1 (fr) 2015-07-21 2015-07-21 Procédé de gestion de fonds en ligne, ainsi que procédé et dispositif de traitement d'interaction de données

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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
CN1996372A (zh) * 2006-12-31 2007-07-11 中国工商银行股份有限公司 一种实现代理申购金融产品的系统及方法
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
US20110010292A1 (en) * 2007-11-29 2011-01-13 Bank Of America Corporation Payment transactions using payee account aliases
CN103996139A (zh) * 2013-02-20 2014-08-20 深圳市亿商屋广告传媒有限公司 一种诚信自担保平台网站服务器、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
CN1996372A (zh) * 2006-12-31 2007-07-11 中国工商银行股份有限公司 一种实现代理申购金融产品的系统及方法
CN101377838A (zh) * 2007-08-30 2009-03-04 北京方维银通科技有限公司 一种数据安全处理方法
US20110010292A1 (en) * 2007-11-29 2011-01-13 Bank Of America Corporation Payment transactions using payee account aliases
CN103996139A (zh) * 2013-02-20 2014-08-20 深圳市亿商屋广告传媒有限公司 一种诚信自担保平台网站服务器、系统及方法

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