Note: Descriptions are shown in the official language in which they were submitted.
DATA PROCESSING METHOD AND SYSTEM FOR SUBSTITUTED ISSUING OF
ELECTRONIC CERTIFICATE, AND MONEY MANAGEMENT SERVER
Technical Field
[0001] The present application relates to the technical field of computer data
processing, and in
particular, to a data processing method and system for opening electronic
certificate and
a Funds-Management server.
[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 is too single and some of the potential business
needs in the
market cannot be met. In E-commerce business, when the third party is willing
to pay
for the purchase of electronic bills by the buyer, the procedure is
complicated and
inconvenient to the user.
[0005] Summary of the Invention
[0006] The present application provides a data-processing method, system and
Funds-Management server on behalf of open electronic certificate.
[0007] According to a first aspect of the present application, the present
application provides a
data processing method on behalf of an electronic certificate, including:
[0008] The first Funds-Management server delivers the pre-issuing card first
data information
to the data requesting terminal;
[0009] The first Funds-Management server receives the second request data
received by the
data requesting terminal, which is generated by the pre-opening first data
information,
and is paid by others.
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[0010] The first Funds-Management server receives the frozen account issued by
the second
Funds-Management server to open the credit line or to use the credit line
information to
issue the electronic certificate.
[0011] In the above method, the first Funds-Management server delivers the pre-
issuing
card-first data information to the issuing terminal, and further includes:
[0012] The first Funds-Management server receives the issuing request data
information
delivered by the data requesting terminal, and the first data information is
generated
according to the data information of the issuing request.
[0013] According to a second aspect of the present application, the present
application provides
a data processing method for opening an electronic certificate, including:
[0014] The first Funds-Management server delivers the pre-issuing card first
data information
to the data requesting terminal;
[0015] The data requesting terminal generates second request data information
for requesting
payment from another user according to the pre-issuing first data information,
and
delivers the second request data information to the first Funds-Management
server,
where the second request data information includes the amount of payment
requested by
others;
[0016] The data requesting terminal generates information to notify other
people and delivers it
to the data processing terminal.
[0017] The data processing terminal is entrusted with the second Funds-
Management server for
payment;
[0018] The second Funds-Management server freezes the amount of the opening
credits or the
credit limit, and generates the first Funds-Management server;
[0019] The first Funds-Management server receives the frozen information and
opens an
electronic certificate.
[0020] In the above method, the first Funds-Management server delivers the pre-
issuing
card-first data information to the issuing terminal, and further includes:
[0021] The first Funds-Management server receives the issuing request data
information
delivered by the issuer and generates the pre-issuing certification first data
information
according to the issuing request data information.
[0022] In the above method, before the data processing terminal entrusts the
second
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Funds-Management server to pay for it, the method specifically includes:
[0023] The data processing terminal confirms whether to agree to the payment;
[0024] If yes, the data processing terminal is entrusted with the second Funds-
Management
server for payment;
[0025] Otherwise, the process ends.
[0026] In the above method, after receiving the freeze information, the first
Funds-Management
server further includes:
[0027] Enter the second Funds-Management server information, the data is
synchronized to the
data processing terminal and data requesting terminal.
[0028] According to a third aspect of the present application, the present
application provides a
data processing method for opening an electronic certificate, including:
[0029] The issuing bank delivers the pre-issuing card first data information
to the data
requesting terminal;
[0030] The data requesting terminal generates second request data information
for requesting
payment from another person according to the pre-issuance first data
information, and
delivers the second request data information to the issuing bank, where the
second
request data information includes the amount of payment requested by others;
[0031] The data requesting terminal generates information to notify other
people and delivers it
to the data processing terminal.
[0032] The data processing terminal entrusts others to pay on behalf of the
payment line;
[0033] The other person pays the amount of the fund or the amount of the
credit for the
freezing account, and generates the issuing bank of the freezing information
notice;
[0034] The issuing bank receives the frozen information and opens electronic
certificate.
[0035] According to a fourth aspect of the present application, the present
application provides
a golden management server, which includes a delivering module, a receiving
module,
and a processing module. The delivering module is used to deliver pre-issuing
card first
data information to a data requesting terminal; the receiving module is used
to receive
the second request data information that is requested to be paid by another
person and
delivered by the data requesting terminal and generated according to the pre-
opening
certification first data information; and the processing module is used to
receive the
frozen account opening amount or the credit line information delivered by
second
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Funds-Management server, and issue electronic certificate.
[0036] According to a fifth aspect of the present application, the present
application provides a
data processing system for opening an electronic certificate, including a
first
Funds-Management server, a data requesting terminal, a second Funds-Management
server and payment terminals of others;
[0037] The first Funds-Management server is used to deliver pre-issuing card
first data
information to the data requesting terminal;
[0038] The data requesting terminal is used to generate second request data
information for
requesting payment from another user according to the pre-issuing first data
information, and delivers the second request data information to the first
Funds-Management server, where the second request data information includes
the
amount of payment requested by others;
[0039] The data requesting terminal is used for generating information to
other people and
delivers it to the data processing terminal;
[0040] The data processing terminal is used to entrust with the second Funds-
Management
server for payment;
[0041] The second Funds-Management server is used to freeze the amount of the
opening
credits or the credit limit, and generates the first Funds-Management server;
[0042] The first Funds-Management server receives the frozen information and
opens an
electronic certificate.
[0043] In the above system, the data processing terminal is also used to
confirm whether the
consent payment is accepted, and if yes, the data processing terminal entrusts
the second
Funds-Management server to pay for it; otherwise, the process ends.
[0044] As a result of the adoption of the above technical scheme, the
beneficial effect of this
application is that:
[0045] In the example of the present application, since the first Funds-
Management server
receives data requesting terminal delivers the request of others pay the
second request
data information, after receiving the amount of the frozen account issued by
the second
Funds-Management server and the credit line information, open an electronic
certificate,
and the user of the application applies for the establishment of an electronic
certificate.
However, on the basis of freezing funds or credit under other accounts, the
issuer and
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the payer must have the same problem in opening electronic payment bills in
the
existing technology. The applicant is different from the payer, which
facilitates users
and improves user experience.
[0046] Brief Description
[0047] Figure 1 is a flow chart of an example of an electronic certificate
data processing
method of the present application;
[0048] Figure 2 is a flow chart of another example of the data processing
method of the present
application for opening an electronic certificate;
[0049] Figure 3 is a flow chart of another example of the data processing
method of the present
invention for opening an electronic certificate;
[0050] Figure 4 is a flow chart of another example of the data processing
method of the present
invention for opening an electronic certificate;
[0051] Figure 5 is a flowchart of a Funds-Management server according to an
example of the
present application;
[0052] Figure 6 is a schematic structural diagram of the data processing
system of the present
application for opening an electronic certificate in an implementation manner.
[0053] Description of the Preferred Examples
[0054] The present application will be further described in detail below with
reference to the
accompanying drawings through specific examples.
[0055] 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.
[0056] 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.
[0057] Example 1:
[0058] As shown in Figure 1, the data processing method of the present
application for opening
an electronic certificate, an example of the data processing method includes
the
CA 3063551 2019-12-03
following steps:
[0059] Step 102: the first Funds-Management server delivers the pre-issuing
card-first data
information to the data requesting terminal. The first Funds-Management server
is a
bank issuing bank server, and the first data information of the pre-issuing
card is
generated according to the issuing terminal data of the issuing request.
[0060] 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.
[0061] Step 104: the first Funds-Management server receives the second request
data
information that is delivered by the requesting terminal and is requested to
be paid by
another person according to the pre-opening verification first data
information. The
second request data information includes an amount for requesting payment from
another person and other people's account information.
[0062] On the basis of On the basis of the first opening data, input other
people's information,
such as mobile phone number, mailbox, WeChat and so on, which can connect
other
people's communication information, so as to generate second request data for
others to
pay. Specifically, the second request data information may include an amount
for
requesting payment.
[0063] Step 106: the first Funds-Management server receives the frozen account
issued by the
second Funds-Management server to open the credit line or to use the credit
line
information to issue the electronic certificate.
[0064] In an implementation manner, before step 102, the method further
includes the
following steps:
[0065] The first Funds-Management server receives the issuing request data
information
delivered by the issuer and generates the pre-issuing certification first data
information
according to the issuing request data information.
[0066] Example 2:
[0067] As shown in Figure 2, the data processing method of the present
application for opening
an electronic certificate, an example of the data processing method includes
the
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following steps:
[0068] Step 202: the first Funds-Management server delivers the pre-issuing
card-first data
information to the data requesting terminal.
[0069] Step 204: the data requesting terminal generates second request data
information for
requesting payment from another user according to the pre-issuing first data
information, and delivers the second request data information to the first
Funds-Management server, where the second request data information includes
the
amount of payment requested by others.
[0070] Step 206: the data requesting terminal generates the information to
notify other people
and delivers it to the data processing terminal.
[0071] Step 208: the data processing terminal is entrusted with the second
Funds-Management
server for payment.
[0072] In an implementation manner, step 208 may specifically include:
[0073] The data processing terminal confirms whether to agree to the payment;
[0074] If yes, the data processing terminal is entrusted with the second Funds-
Management
server for payment;
[0075] Otherwise, the process ends.
[0076] Step 210: the second Funds-Management server freezes the amount of the
opening
credits or the credit limit, and generates the first Funds-Management server.
[0077] Step 212: the first Funds-Management server receives the frozen
information and opens
an electronic certificate.
[0078] After receiving the freeze information, the first Funds-Management
server may further
include the following steps: entering the second Funds-Management server
information,
the data is synchronized to the data processing terminal and data requesting
terminal.
[0079] In an implementation manner, before step 202, the method may further
include:
[0080] The first Funds-Management server receives the issuing request data
information
delivered by the issuer and generates the pre-issuing certification first data
information
according to the issuing request data information. As shown in Figure 3,
another
example of the data processing method of the present invention for opening an
electronic certificate includes the following steps:
[0081] Step 302: the data requesting terminal generates the issuing request.
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[0082] In general, the data requesting terminal is the terminal used by the
buyer. The issuing
request may include the issuer's identity information and payment account
information.
It can also include the information of the designated collector, such as the
recipient's
name, mobile phone, email, ID card, micro-signal, QQ number and other
information
corresponding to the receiver, the receiver's account number, such as the
deposit account
number, through this collection of information, it is convenient for the
issuer to receive
electronic certificate in time. The buyer may also not specify the recipient,
so that
anyone who obtains the electronic certificate can receive the electronic
certificate.
[0083] Step 304: the issuing bank receives the issuing request data
information, obtains the
information in the data information, generates the pre-issuing card first data
information, and delivers it to the data requesting terminal. The issuing bank
verifies the
issuer's identity information 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 issuing bank, 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, etc.
[0084] Step 306: the data requesting terminal receives the pre-issuing card
first data
information.
[0085] On the basis of pre-issuing of the first data information, input other
people's
information, such as mobile phone number, mailbox, WeChat and so on, which can
connect other people's communication information, so as to generate second
request
data for others to pay. The second request data information may include
information
such as the amount requested to be paid.
[0086] Step 308: the data requesting terminal generates the information that
notifications other
people's payment and notifications to others through the communication
information of
others. The notification information here can be a link, an image or an audio
file.
[0087] Step 310: the data processing terminal receives the notification
message and decides
whether to agree on behalf of the payment? If yes, then step 312 is executed.
On the
contrary, the process is ended, and the result is fed back to the client or
the data
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processing terminal is reselected, and then it is determined whether to agree
to pay.
[0088] Step 312: the data processing terminal selects the second Funds-
Management server,
and requests the second Funds-Management server to pay for it. The entrustment
information may include the amount of the entrusted payment. An understandable
form
in which the payer has been authenticated, password operated, and fully
authorized to
operate the payment line.
[0089] Step 314: the second Funds-Management server receives the entrustment
information of
the data processing terminal, freezes the credit limit of the opening of the
account or
supports the credit line, generates the frozen information, and delivers the
frozen
information to the first Funds-Management server. 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.
[0090] Step 316: the first Funds-Management server receives the freezing
information of the
payment line, inputs the payment line information, and synchronizes the data
to all
parties, and at the same time, issues an electronic certificate.
[0091] After receiving the electronic certificate, the user fulfils the
conditions attached by the
electronic certificate and can request the payment bank to be defrosted and
allocated. If
the payment bank cannot be carried out in time, the bank is paid by the
issuing bank,
and the first Funds-Management server will be recourse to the payment bank.
[0092] If a user goes to a bank and requests for deposit funds or credit lines
under others'
accounts as a basis, the deposit funds or credit lines in his account are
frozen and an
electronic certificate is opened. To put it simply, let others create
electronic certificate
on behalf of. The user may need to spend money at the time when he or she
doesn't have
any funds or credit card amount at the time, so friends are required to pay
for it in the
form of electronic certificate, on the one hand, make sure that when the
transaction is
not completed, the amount of funds or credit card is in the friend's account,
and
maximize the loss of savings of friends. On the other hand, because friends
know the
true use of funds, they may be more willing to help turn around in this form.
Or parents
make good financial habits for their children, and when they need to buy
commodity,
this kind of payment can be made on behalf of another person by paying the
electronic
certificate, so that children can avoid squandering and help parents guide
children to
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establish good spending habits.
[0093] In this application, a user may apply for opening an electronic
certificate at a bank and
ask others to freeze the funds or credit under his account for payment. In
this way, a new
mode of payment has been added to boost the economic and social activities,
provides
an application scenario that enriches the financial payment tools and provides
a
favourable tool for the development of E-commerce. It should be noted that the
first
Funds-Management server and the second Funds-Management server in the office
may
be the same bank or not, that is to say, the first Funds-Management server and
others
freeze the funds or credit banks can be the same bank may not be the same
bank.
[0094] Example 3:
[0095] As shown in Figure 4, another example of the data processing method of
the present
invention for opening an electronic certificate includes the following steps:
[0096] Step 402: the first data information of the pre-issuing card is
delivered to the opening
terminal by the issuing bank.
[0097] Step 404: the issuing terminal generates second request data
information for requesting
payment from another person according to the pre-issuing first data
information, and
delivers the second request data information to the issuing bank.
[0098] Step 406: the issuing terminal generates the information that notifies
others to pay and
delivers it to the other person's payment terminal.
[0099] Step 408: Others pay the terminal to entrust others to pay for the
payment.
[0100] Step 410: the other person pays the amount of the fund or the amount of
the credit for
the freezing account, and generates the issuing bank of the freezing
information notice.
[0101] Step 412: the issuing bank receives the information about the amount of
the freezing and
issuing funds or the credit limit information, and issues an electronic
certificate.
[0102] Example 4:
[0103] Figure 5 is a flowchart of a Funds-Management server according to an
example of the
_
present application. In this example, the Funds-Management server is the first
Funds-Management server, that is, the issuing bank server. The Funds-
Management
server 10 includes a delivering module 11, a receiving module 12 and a
processing
module 13. The delivering module 11 is used to deliver the pre-issuing first
data
information to a data requesting terminal. The receiving module 13 is used to
receive
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second request data that is generated according to the pre-issuing first data
information
and is delivered by a requesting data terminal information, and the second
request data
information includes the amount of money requested to be paid by others; and
the
processing module 13 is used to receive the information of the amount of the
credit card
issuing limit or the credit limit information of the frozen account delivered
by the
second Funds-Management server and issue the electronic certificate.
[0104] In an implementation manner, the processing module 13 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.
[0105] Example 5:
[0106] Figure 6 is a schematic structural diagram of the data processing
system of the present
application for opening an electronic certificate in an implementation manner.
It
includes a first Funds-Management server 10, a data requesting terminal 30, a
second
Funds-Management server 20 and a data processing terminal 40. A first
Funds-Management server 10 is used for delivering pre-issuing data information
to a
data requesting terminal; a data requesting terminal is used for generating
second
request data information for requesting payment from others according to the
pre-issuing data information and delivering to the first Funds-Management
server, the
second request data information includes the amount requested to be paid by
others. The
data requesting terminal 30 is used to generate and notify the data processing
terminal
40 of the information for notifying others of the payment. The data processing
terminal
40 is used to entrust the second Funds-Management server 20 to pay for it. The
second
Funds-Management server20 is used to freeze the amount of the opening credits
or the
credit limit, and generates the first Funds-Management server. The first
Funds-Management serverl 0 is also used for receiving the freezing information
and
issuing an electronic certificate.
[0107] In an implementation manner, the data processing terminal 10 is also
used to confirm
whether the consent payment is accepted, and if yes, the data processing
terminal
entrusts the second Funds-Management server 20 to pay on behalf of the
terminal;
otherwise, the process ends.
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[0108] In an implementation, the first Funds-Management server 10 is also used
to receive the
issuing request data information delivered by the data requesting terminal 30
and
generate the pre-issuing certification first data information according to the
issuing
request data information.
[0109] The first Funds-Management server 10 can also be used for entering the
second
Funds-Management server 20 information and synchronizing the data to the data
processing terminal 40 and the data requesting terminal 30.
[0110] 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.
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