Note: Descriptions are shown in the official language in which they were submitted.
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Money Management Server, And Data Processing Method And System For
Issuing Inter-Bank Electronic Certificate
Technical Field
[0001] This application relates to the technical field of computer data
processing, and in particular
to a data processing method and system for Funds-Management server, electronic
certificate inter-bank.
[0002] Background Technology
[0003] With the continuous development of computers, networks and modern
communication
technology, E-commerce applications have also gradually entered into tens of
thousands of
households and become one of the familiar transactions. E-commerce using the
Internet
platform to connect the parties involved in traditional business activities
(buyers, sellers,
logistics companies, financial institutions, etc.), the whole transaction
process is
networked, electronically and informatization, reducing the cost of the
transaction and
improving the efficiency of the transaction.
[0004] However, in the current application of E-commerce, the transfer of
funds mainly depends
on the traditional way of electronic direct transfer payment and third-party
payment. The
transaction form is too simple and some potential business needs in the market
cannot be
met. Therefore, in order to better develop E-commerce, it is urgent to develop
new
financial payment tools.
[0005] However, when the existing electronic certificate is opened, the first
Funds-Management
server and the second Funds-Management server must be the same bank, which
brings
inconvenience to the users who handle the electronic certificate.
[0006] Summary of the Invention
[0007] The present application provides a Funds-Management server, inter-bank
open electronic
certificate data processing methods and systems.
[0008] According to a first aspect of the present application, the present
application provides a
data processing method for opening an electronic certificate across a bank,
its characteristic
is that, including:
[0009] The first Funds-Management server generates pre-issuing data
information and delivers it
to the second Funds-Management server;
[0010] After the first Funds-Management server receives the information that
the second
Funds-Management server froze the account opening credit amount or the credit
limit, it
opens an electronic certificate.
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[0011] In the above method, before the first Funds-Management server generates
pre-issuing data
information and delivers the pre-issuing data to the second Funds-Management
server, the
method further includes: the first Funds-Management server receives the data
information
of the issuing request delivered by the client and generates the pre-issuing
data information
according to the data information of the issuing request.
[0012] According to a second aspect of the present application, the present
application provides a
data processing method for an inter-bank electronic certificate, including:
[0013] The first Funds-Management server generates pre-issuing data
information and delivers it
to the second Funds-Management server;
[0014] The second Funds-Management server receives the pre-issuing card data
delivered by the
first Funds-Management server;
[0015] The second Funds-Management server freezes the amount of the opening
credits or the
credit limit;
[0016] The second Funds-Management server notifies the first Funds-Management
server of the
information of freezing the amount of the account opening certificate or the
credit limit of
the credit;
[0017] After the first Funds-Management server receives the information that
the second
Funds-Management server froze the account opening credit amount or the credit
limit, it
opens an electronic certificate.
[0018] In the above method, before the first Funds-Management server generates
the pre-issuing
certification data information and delivers the information to the second
Funds-Management server, the method further includes:
[0019] The client generates the issuing request data information and delivers
it to the first
Funds-Management server;
[0020] The first Funds-Management server generates the pre-issuing
certification data information
according to the issuing certification data information.
[0021] In the above method, the second Funds-Management server freezing the
amount of the
opening credits or the credit limit, specifically includes:
[0022] The second Funds-Management server determines whether the account has
sufficient funds
or credit limits;
[0023] If yes, issue a request for freezing the amount of the credit card
issuing account or the
credit limit to the client;
[0024] The client agrees to notify the second Funds-Management server;
[0025] The second Funds-Management server receives an instruction that the
client agrees to
freeze the amount of the account opening credit or the credit limit of the
account, and then
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freeze the account opening amount or the credit limit of the credit.
[0026] According to a third aspect of the present application, the present
application provides a
data processing method for an interbank electronic certificate, including:
[0027] The issuing bank generates pre-issuing data information and deliver it
to the paying bank;
[0028] The payment bank receives the pre-issuing data information delivered by
the issuing bank;
[0029] The payment bank to freeze the account opening amount or credit limit
of the account
opened by the payment bank;
[0030] The payment bank notify the issuing bank of the amount of the funds for
the freezing of the
account or the information of the credit limit.
[0031] After receiving the information on the amount of the funds or the
amount of the credit, the
issuing bank opens electronic certificate.
[0032] According to a fourth aspect of the present application, the present
application provides a
Funds-Management server, including a delivering module and a processing
module;
[0033] The delivering module is used to generate pre-issuing data information
and deliver it to the
second Funds-Management server;
[0034] The processing module is used to open an electronic certificate after
receiving the second
Funds-Management server information of freezing funds or credit of the
account.
[0035] According to a fifth aspect of the present application, the present
application provides a
data processing system for electronic certificate inter-bank communication,
including a
first Funds-Management server and a second Funds-Management server;
[0036] The first Funds-Management server is used to generate pre-issuing data
information and
delivers it to the second Funds-Management server;
[0037] The second Funds-Management server is used to receive the pre-issuing
certification data
delivered by the first Funds-Management server, freeze the amount of the
account opening
certificate or the credit limit, and informing the first Funds-Management
server of the
information of freezing the amount of the account opening certificate or the
credit limit of
the account;
[0038] The first Funds-Management server is also used to issue an electronic
certificate after
receiving the information that the second Funds-Management server froze the
account
opening amount of the account or the credit limit used.
[0039] The above system, also includes a client;
[0040] The second Funds-Management server is also used to confirm whether the
account has a
sufficient amount of funds or a credit limit, and if yes, issue a request for
freezing the
amount of the credit card issuance account or the credit limit for credit
limit to the client;
[0041] The client is used to notify the second Funds-Management server after
the consent of the
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freezing account opening amount or the credit limit.
[0042] The second Funds-Management server is further configured to freeze the
account funds or
credit after receiving an instruction that the client agrees to freeze the
account opening
credit limit or the credit limit.
[0043] According to a sixth aspect of the present application, the present
application provides a
data processing system for electronic certificate inter-banking, including a
first
Funds-Management server and a second Funds-Management server; the first
Funds-Management server includes a first memory and a first processor, the
first memory
is used to store first computer instructions, the second Funds-Management
server includes
a second memory and a second processor, and the second memory is used to store
a second
computer. The first processor is used to execute, according to the first
computer instruction,
the second processor according to the second computer instruction to execute
the following
step:
[0044] The first Funds-Management server generates pre-issuing data
information and delivers it
to the second Funds-Management server;
[0045] The second Funds-Management server receives the pre-issuing card data
delivered by the
first Funds-Management server;
[0046] The second Funds-Management server freezes the amount of the opening
credits or the
credit limit;
[0047] The second Funds-Management server notifies the first Funds-Management
server of the
information of the frozen account;
[0048] After the first Funds-Management server receives the information that
the second
Funds-Management server froze the account opening credit amount or the credit
limit, it
opens an electronic certificate.
[0049] As a result of the adoption of the above technical scheme, the
beneficial effect of this
application is that:
[0050] In the example of the present application, since the first Funds-
Management server
generates the pre-issuing certification data and delivers it to the second
Funds-Management
server, the first Funds-Management server receives the information of the
second
Funds-Management server to freeze the account and then opens an electronic
certificate.
This application enriches the application scenarios of financial payment
instruments by
facilitating the application of an electronic certificate at a bank and
designating another
bank as the second Funds-Management server, which is convenient for users and
improves
the user experience.
[0051] Brief Description
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[0052] Figure 1 is a flow chart of an example of a data processing method for
inter-bay electronic
certificate application according to the present application;
[0053] Figure 2 is a flow chart of another example of the data processing
method for inter-bank
electronic certificate according to the present application;
[0054] Figure 3 is a flow chart of another example of the data processing
method for opening an
electronic certificate in this application;
[0055] Figure 4 is a flow chart of another example of the data processing
method for opening an
electronic certificate in this application;
[0056] Figure 5 is a schematic structural diagram of a Funds-Management server
according to an
example of the present application;
[0057] Figure 6 is a schematic structural diagram of an example of a data
processing system for
opening an interbank electronic certificate according to the present
application;
[0058] Figure 7 is a schematic diagram of another structure of an example of a
data processing
system for cross-opening electronic certificate according to the present
application.
[0059] Description of the Preferred Examples
[0060] The present application will be further described in detail below with
reference to the
accompanying drawings through specific examples.
[0061] The electronic certificate is the electronic commitment payment
certificate which the bank
undertakes to pay the funds according to the agreed terms, it refers to the
electronic
certificate issued by the bank according to the amount of funds or credit
limit required by
the application of the applicant, and the bank undertakes to handle the
payment and
settlement in accordance with the agreed terms.
[0062] The usual business process for electronic certificate is the issuing
bank freeze the required
amount of funds in accordance with the issuer's application to open an
electronic
certificate, and after receiving the certificate from the receiving bank, the
issuing bank pay
and settle the payment by the issuing bank to the receiving bank.
[0063] Example 1:
[0064] As shown in Figure 1, an example of the data processing method for
interbank electronic
certificate application of the present application includes the following
steps:
[0065] Step 102: the first Funds-Management server generates pre-issuing data
information and
delivers it to the second Funds-Management server. The first Funds-Management
server is
an issuing bank server, and the second Funds-Management server is a payment
bank server.
In this example, an issuing bank and a bank with different payment behaviours
are
provided. The information of the pre-issuing card information at least
includes the issuing
account and the amount of the issuing or supporting credit.
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[0066] Step 104: After the first Funds-Management server receives the
information that the second
Funds-Management server froze the account opening credit amount or the credit
limit, it
opens an electronic certificate.
[0067] Wherein, before step 102, the following pre-process may further be
included:
[0068] The first Funds-Management server receives the issuing request data
information delivered
by the client and generates the pre-issuing certification data information
according to the
issuing request data information.
[0069] The issuing request data information includes the issuer's identity
information and payment
account information. It can also include information such as the recipient's
name,
cellphone, email, ID card, WeChat, QQ number and other information that can be
used by
the recipient, the recipient's account (deposit account), so that facilitate
the recipient to
receive timely electronic certificate. The buyer may also not specify the
recipient, so that
anyone who obtains the electronic certificate can receive the electronic
certificate.
[0070] Example 2:
[0071] As shown in Figure 2, an example of the data processing method for
interbank electronic
certificate application of the present application includes the following
steps:
[0072] Step 202: the first Funds-Management server generates pre-issuing data
information and
delivers it to the second Funds-Management server.
[0073] Step 204: the second Funds-Management server receives the pre-issuing
certification data
delivered by the first Funds-Management server.
[0074] Step 206: the second Funds-Management server freezes the amount of the
opening credits
or the credit limit.
[0075] Step 206 may specifically include:
[0076] The second Funds-Management server confirms whether the account has
sufficient funds
or credit;
[0077] If yes, a request for freezing the amount of the issuing bank account
or credit limit is issued
to the requesting terminal of the data; if the account does not have enough
funds or credit
to inform the data requesting terminal;
[0078] After requesting data terminal agreed to notify the new Funds -
Management server;
[0079] The second Funds-Management server freeze the account after receiving
the data
requesting terminal agreed to freeze the account opening amount of funds or
credit limit.
[0080] Step 208: the second Funds-Management server notifies the first Funds-
Management
server of the information of freezing the amount of the credit card account or
the credit
limit of the credit card.
[0081] Step 210: After the first Funds-Management server receives the
information that the second
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Funds-Management server froze the account opening credit amount or the credit
limit, it
opens an electronic certificate.
[0082] Before step 202, the following steps may also be performed:
[0083] The data requesting terminal generates the issuing request data
information and delivers it
to the first Funds-Management server. The data requesting terminal client, the
client
delivers the card request data information to the issuing bank through the
data requesting
terminal;
[0084] The issuing number generates the pre-issuing card data information
according to the
issuing request data information.
[0085] As shown in Figure 3, an example of the data processing method for
interbank electronic
certificate application of the present application includes the following
steps:
[0086] Step 302: the data requesting terminal generates the issuing request.
[0087] The issuing request includes the issuer's identity information and
payment account
information. It can also include information such as the recipient's name,
cellphone, email,
ID card, WeChat, QQ number and other information that can be used by the
recipient, the
recipient's account (deposit account), so that facilitate the recipient to
receive timely
electronic certificate. The buyer may also not specify the recipient, so that
anyone who
obtains the electronic certificate can receive the electronic certificate.
[0088] Step 304: the first Funds-Management server receives the issuing
request data information,
obtains the information in the data information, generates the pre-issuing
certification data
information, and delivers the information to the second Funds-Management
server.
[0089] The issuing bank verifies the identity card information of the issuer
in advance. The
verification at this place may have the following situations: the first
verification situation
refers to whether the issuer has the account opening information at the first
Funds-Management server, and the second verification situation refers to
whether the
issuing applicant is valid or not, that is, real-name certification, it does
not require the
issuer in the first Funds-Management server must have an account; the third
verification
refers to determine whether the applicant has a bad credit record. Is it a
white list or a
blacklist user.
[0090] Step 306: the second Funds-Management server receives the pre-issuing
card data
information, retrieves the account information of the card issuer, and
determines whether
the amount of the card issuance amount or the credit limit in the account is
enough? If not
enough, then the feedback results to the client. If enough, then step 308 is
performed.
[0091] Step 308: the second Funds-Management server generates an instruction
for freezing the
amount of the credit card issuance account or the credit limit of the account,
and delivers
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the instruction to the data requesting terminal. If debit card is used, the
funds in the debit
card will be frozen, such as the use of credit cards, and the credit card is
frozen for use.
[0092] Step 310: the data requesting terminal receives the freezing
information generated by the
second Funds-Management server, and determines whether the freezing
information is
agreed with. If yes, the second Funds-Management server is notified to execute
step 312;
otherwise, it ends.
[0093] Step 312: the second Funds-Management server obtains the confirmation
freeze
information of the requesting terminal, executes the freeze instruction, and
notifies the first
Funds-Management server of the freeze instruction.
[0094] Step 314: the first Funds-Management server, combined with the issuer's
request and the
information of the second Funds-Management server freezing the credit limit or
the credit
limit, and open an electronic certificate that carries the conditional
commitment to pay of
the first Funds-Management server and the second Funds-Management server.
[0095] After receiving the electronic certificate, the user fulfils the
conditions attached to the
electronic certificate and may request to be released and allocated to the
second
Funds-Management server. If the second Funds-Management server cannot be
executed in
time, the first Funds- Management server pay, and later the first Funds-
Management server
recovers to the second Funds-Management server.
[0096] If the user goes to ICBC and requests to freeze the deposit funds or
credit limit in his
account based on his own deposited funds or credit limit under the Ping An
Bank account,
and open an electronic certificate. In this way, it can be understood that the
user may
belong to the high-end customer base of Ping An Bank with various benefits; or
the user is
accustomed to Ping An Bank to provide financial payment service; or the user
only has an
account of Ping An Bank and so on.
[0097] Another example is the user's funds scattered in a number of bank
accounts, the funds of all
the accounts can be freely allocated according to the requirements of a bank,
and no need
to go through the Banks to open the certificate. That is, it is in a bank
window to complete
a number of banks to open the issuing business.
[0098] The entire program is like an interbank withdrawals situation. A new
program to open
electronic certificate is provided, which enriches the transaction methods in
modern
E-commerce.
[0099] Example 3:
[0100] As shown in Figure 4, an example of the data processing method for
interbank electronic
certificate application of the present application includes the following
steps:
[0101] Step 402: the issuing bank generates pre-issuing data information and
delivers it to the
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paying bank. Issuing bank and payment bank are different banks, the
information of the
pre-issuing card information at least includes the issuing account and the
amount of the
issuing or supporting credit.
[0102] 404: the payment bank receives the pre-issuing card data delivered by
the issuing bank.
[0103] Step 406: the payment bank froze the account issuing amount or credit
limit of the account.
[0104] Step 408: the payment bank notifies the issuing bank of the amount of
the funds for the
freezing of the account or the issuing bank is notified by the information of
the credit limit.
[0105] Step 410: after receiving the information on the amount of the funds or
the amount of the
credit, the issuing bank opens electronic certificate.
[0106] Example 4:
[0107] As shown in Figure 5, Figure 5 is a schematic structural diagram of a
Funds-Management
server in an implementation manner. In this example, the Funds-Management
server is the
issuing bank server, that is, the first Funds-Management server 10. In an
implementation
manner, the first Funds-Management server includes a delivering module 11 and
a
processing module 12. The delivering module 11 is used to generate pre-issuing
data
information and deliver the pre-issuing data to a second Funds-Management
server. The
processing module 12 is used to receive an electronic certificate after
receiving the second
Funds-Management server's information of freezing the account funds or credit.
[0108] In an implementation manner, the processing module 12 is also used to
receive the issuing
request data information delivered by the data requesting terminal, and
generate the
pre-issuing certification first data information according to the issuing
request data
information.
[0109] Example 5:
[0110] As shown in Figure 6, an example of a data processing system for
interbank electronic
certificate opening according to the present application includes a first
Funds-Management
server 10 and a second Funds-Management server 20. The first Funds-Management
server
is used to generate pre-issuing data information and deliver the pre-issuing
data to the
second Funds-Management server 20. The second Funds-Management server 20 is
used to
receive pre-issuing data information delivered by the first Funds-Management
server 10,
and freeze account, and notify the first Funds-Management server 10 of the
information of
the frozen account. The first Funds-Management server 10 may be also used to
issue
electronic certificate after receiving the information on the frozen account
of the second
Funds-Management server 20.
[0111] In an implementation manner, the data processing system for interbank
electronic
certificate of the present application may further include a data requesting
terminal 30. The
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second Funds-Management server 20 is also used to confirm whether the account
has
sufficient funds or credit, and if so, issue a request for freezing the
account to the
requesting terminal 30; a data requesting terminal 30 is used to notify the
second
Funds-Management server 20 after agreeing to freeze the account; the second
Funds-Management server 20 is also used to freeze the account after receiving
the data
requesting terminal 30 to freeze the account.
[0112] Example 6:
[0113] As shown in Figure 7, another example of a data processing system for
electronic
certificate interbank in this application includes a first Funds-Management
server 10 and a
second Funds-Management server 20. The first Funds-Management server 10
includes a
first memory 13 and a first processor 14. The first memory 13 is used to store
first
computer instructions. The second Funds-Management server 20 includes a second
memory 23 and a second processor 24. The second memory 23 is used to store a
second
computer instruction. The first processor 14 is used to, according to the
first computer
instruction, the second processor 24 is used to execute the following steps
according to the
second computer instruction with reference to Figure 2:
[0114] Step 202: the first Funds-Management server generates pre-issuing data
information and
delivers it to the second Funds-Management server.
[0115] Step 204: the second Funds-Management server receives the pre-issuing
certification data
delivered by the first Funds-Management server.
[0116] Step 206: the second Funds-Management server freezes the amount of the
opening credits
or the credit limit.
[0117] The step 206 may specifically include:
[0118] The second Funds-Management server confirms whether the account has
sufficient funds
or credit;
[0119] If yes, a request for freezing the amount of the issuing bank account
or the credit limit is
issued to the requesting terminal; if the account has insufficient funds or
credit, the client is
notified;
[0120] The client agrees to notify the second Funds-Management server;
[0121] After the second Funds-Management server receives an instruction that
the client agrees to
freeze the account, the second Funds-Management server may freeze the account
opening
amount or the credit limit of the account.
[0122] Step 208: the second Funds-Management server notifies the first Funds-
Management
server of the information of freezing the amount of the credit card account or
the credit
limit of the credit card;
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[0123] Step 210: the first Funds-Management server issue an electronic
certificate after receiving
the information of the second Funds-Management server frozen account.
[0124] Before step 202, the following steps may be further included:
[0125] The data requesting terminal generates the issuing request data
information and delivers it
to the first Funds-Management server;
[0126] The issuing number generates the pre-issuing card data information
according to the
issuing request data information.
[0127] The foregoing is a further detailed description of the present
application in conjunction
with specific implementation manners, and it should not be considered that the
specific
implementation of the present application is limited to these descriptions.
For the general
technical personnel in the technical field of this application, a number of
simple deduction
or replacement can be made without leaving the application of the invention.
Technical problem
Problem solving solution
The beneficial effect of the invention
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