PROCEDE, SYSTEME ET APPAREIL POUR CONFIGURER DES CERTIFICATS ELECTRONIQUES ET TRAITER UN ECHANGE DE DONNEES

METHOD, SYSTEM, AND APPARATUS FOR SETTING UP ELECTRONIC CERTIFICATES AND PROCESSING DATA EXCHANGE

Abrégé français

La présente invention concerne un procédé, un système et un appareil pour configurer des certificats électroniques et traiter un échange de données, le procédé comprenant les opérations suivantes : un premier terminal envoie à un second terminal un premier message de requête pour recevoir un certificat électronique ; le second terminal répond au premier message de requête, configurant un second serveur de gestion d'argent pour recevoir un certificat électronique et configurant un compte d'argent stocké dans le second serveur de gestion d'argent pour recevoir de l'argent d'une valeur équivalente à celle du certificat électronique, et sur la base de la configuration mentionnée ci-dessus, génère un second message de requête pour recevoir un certificat électronique et envoie ledit second message de requête au second serveur de gestion d'argent ; le second serveur de gestion d'argent répond au second message de requête, reçoit le certificat électronique, et sur la base du second message de requête, met à jour les informations du second serveur de gestion d'argent et le compte d'argent sur le certificat électronique. La présente invention permet à un second terminal de configurer librement un serveur pour recevoir des certificats électroniques et un compte pour recevoir de l'argent, de telle sorte que des certificats peuvent être reçus de manières plus diversifiées, ce qui est bénéfique pour améliorer l'efficacité de l'échange d'argent entre deux parties.

Abrégé anglais

Disclosed are methods, systems, and devices for setting up electronic
certificates and processing
data exchange. A first terminal delivers first request information for
receiving an electronic
certificate to a second terminal. In response, the second terminal sets a
second Funds-Management
server to receive the electronic certificate and set up a funds account to
receive the funds equal to
the amount of the electronic certificate, generates second request
information, and delivers the
second request information to the second Funds-Management server. The second
Funds-
Management server receives the electronic certificate, and updates the second
Funds-Management
server and the funds account to the electronic certificate according to the
second request
information. The above method, enables the second terminal user to arbitrarily
set a server for
receiving an electronic certificate and an account for receiving funds, so as
to diversify the forms
of collection of receipts and increase the interaction efficiency between the
two parties.

Revendications

Claims:
1. A computer implemented system for setting an electronic certificate in an
electronic
transaction, the system comprising:
a first terminal configured to deliver a first request for receiving an
electronic certificate
for the electronic transaction to a second terminal directly via financial
institutions of
two parties when the first terminal does not know a fund account of the second
terminal,
wherein the first request includes the identification information of the
electronic
certificate at least, wherein the electronic certificate is issued by a first
Funds-
Management server based on the balance amount or a credit loan limit as a
margin in the
first terminal's financial account;
the second terminal configured to:
configure a second Funds-Management server for receiving the electronic
certificate in response to the first request when receiving the first request
from
the first terminal;
configure the fund account in the second Funds-Management server for
receiving an amount of funds equal to the corresponding amount of the funds
in the electronic certificate; and
generate and deliver a second request for receiving the electronic certificate
based on the above setting to the second Funds-Management server for
increasing flexibility of changing a receiving server and a receiving fund
account by a receiver to improve the efficiency of funds transfer in the
electronic transaction between the first terminal and the receiving server,
wherein the second request includes the identification information of the
electronic certificate at least;
the second Funds-Management server configured to:
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receive the electronic certificate in response to the second request; and
update the configuration information of the second Funds-Management server
and the fund account to the electronic certificate according to the second
request.
2. The system of claim 1, wherein the second Funds-Management server is
further configured
to deliver the received electronic certificate and the feedback information
for updating the
electronic certificate to the second terminal.
3. The system of claim 1, wherein the first Funds-Management server is
configured a server in a
first bank.
4. The system of claim 1, wherein the second Funds-Management server is
configured a server
in a second bank.
5. The system of claim 1, wherein the identification information of the
electronic certificate
includes a serial number of the electronic certificate.
6. The system of any one of claims 1 and 5, wherein the identification
information of the
electronic certificate includes QR code information representing the specific
electronic
certificate.
7. The system of any one of claims 1 to 6, wherein the identification
information of the
electronic certificate is configured to be searched out the corresponding
electronic certificate
by the second Funds-Management server in a database.
8. The system of any one of claims 1 to 7, wherein the electronic certificate
further includes
information of the first terminal.
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9. The system of any one of claims 1 to 8, wherein the electronic certificate
further includes
information of the first Funds-Management server.
10. The system of any one of claims 1 to 9, wherein the electronic certificate
further includes
credit limit information of the electronic certificate.
11. The system of any one of claims 1 to 10, wherein the electronic
certificate further includes
the clearing information.
12. A computer implemented method for setting an electronic certificate in an
electronic
transaction, the method comprising:
a first terminal delivers a first request for receiving an electronic
certificate to a second
terminal for the electronic transaction to the second terminal directly via
financial
institution of two parties when the first terminal does not know a fund
account of the
second terminal, wherein the first request includes the identification
information of the
electronic certificate at least, wherein the electronic certificate is issued
by a first Funds-
Management server based on the balance amount or a credit loan limit as a
margin in the
first terminal's financial account;
the second terminal configures a second Funds-Management server for receiving
the
electronic certificate in response to the first request when receiving the
first request from
the first terminal;
the second terminal configures the fund account in the second Funds-Management
server
for receiving an amount of funds equal to the corresponding amount of the
funds in the
electronic certificate;
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the second terminal generates and delivers a second request for receiving the
electronic
certificate based on the above setting to the second Funds-Management server
for
increasing flexibility of changing a receiving server and a receiving fund
account by a
receiver to improve the efficiency of funds transfer in the electronic
transaction between
the first terminal and the receiving server, wherein the second request
includes the
identification information of the electronic certificate at least; and
the second Funds-Management server receives the electronic certificate in
response to the
second request and updates the configuration information of the second Funds-
Management server and the fund account to the electronic certificate according
to the
second request.
13. The method of claim 12, wherein the second Funds-Management server is
further configured
to deliver the received electronic certificate and the feedback information
for updating the
electronic certificate to the second terminal.
14. The method of claim 12, wherein the first Funds-Management server is
configured a server
in a first bank.
15. The method of claim 12, wherein the second Funds-Management server is
configured a
server in a second bank.
16. The method of claim 12, wherein the identification information of the
electronic certificate
includes a serial number of the electronic certificate.
17. The method of any one of claims 12 and 16, wherein the identification
information of the
electronic certificate includes QR code information representing the specific
electronic
certificate.
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18. The method of any one of claims 12 to 17, wherein the identification
information of the
electronic certificate is configured to be searched out the corresponding
electronic certificate
by the second Funds-Management server in a database.
19. The method of any one of claims 12 to 18, wherein the electronic
certificate further includes
information of the first terminal.
20. The method of any one of claims 12 to 19, wherein the electronic
certificate further includes
information of the first Funds-Management server.
21. The method of any one of claims 12 to 20, wherein the electronic
certificate further includes
credit limit information of the electronic certificate.
22. The method of any one of claims 12 to 21, wherein the electronic
certificate further includes
the clearing information.
23. A computer implemented method for setting an electronic certificate in an
electronic
transaction, applied in a second terminal, the method comprising:
receiving a first request for receiving an electronic certificate from a first
terminal for the
electronic transaction to the second terminal directly via financial
institution of two
parties when the first terminal does not know a fund account of the second
terminal,
wherein the first request includes the identification information of the
electronic
certificate at least, wherein the electronic certificate is issued by a first
Funds-
Management server based on the balance amount or a credit loan limit as a
margin in the
first terminal's financial account;
configuring a second Funds-Management server for receiving the electronic
certificate in
response to the first request;
Date Recue/Date Received 2021-06-07

configuring the fund account in the second Funds-Management server for
receiving an
amount of funds equal to the corresponding amount of the funds in the
electronic
certificate; and
generating and delivering a second request for receiving the electronic
certificate based
on the above setting to the second Funds-Management server for increasing
flexibility of
changing a receiving server and a receiving fund account by a receiver to
improve the
efficiency of funds transfer in the electronic transaction between the first
terminal and
the receiving server, wherein the second request includes the identification
information
of the electronic certificate at least.
24. The method of claim 23, wherein the second Funds-Management server is
further configured
to deliver the received electronic certificate and the feedback information
for updating the
electronic certificate to the second terminal.
25. The method of claim 23, wherein the first Funds-Management server is
configured a server
in a first bank.
26. The method of claim 23, wherein the second Funds-Management server is
configured a
server in a second bank.
27. The method of claim 23, wherein the identification information of the
electronic certificate
includes a serial number of the electronic certificate.
28. The method of any one of claims 23 and 27, wherein the identification
information of the
electronic certificate includes QR code information representing the specific
electronic
certificate.
29. The method of any one of claims 23 to 28, wherein the identification
information of the
electronic certificate is configured to be searched out the corresponding
electronic certificate
by the second Funds-Management server in a database.
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30. The method of any one of claims 23 to 29, wherein the electronic
certificate further includes
information of the first terminal.
31. The method of any one of claims 23 to 30, wherein the electronic
certificate further includes
infonnation of the first Funds-Management server.
32. The method of any one of claims 23 to 31, wherein the electronic
certificate further includes
credit limit information of the electronic certificate.
33. The method of any one of claims 23 to 32, wherein the electronic
certificate further includes
the clearing information.
34. A computer device for setting an electronic certificate in an electronic
transaction, the device
comprising:
a receiving module configured to receive a first request for receiving an
electronic
certificate from a first terminal for the electronic transaction to the second
terminal
directly via financial institution of two parties when the first terminal does
not know a
fund account of the second terminal, wherein the first request includes the
identification
information of the electronic certificate at least, wherein the electronic
certificate is
issued by a first Funds-Management server based on the balance amount or a
credit loan
limit as a margin in the first terminal's financial account;
a setting module configured to:
configure a second Funds-Management server for receiving the electronic
certificate in response to the first request;
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configure the fund account in the second Funds-Management server for
receiving an amount of funds equal to the corresponding amount of the funds
in the electronic certificate;
a generating module configured to generate a second request for receiving the
electronic
certificate based on the above setting, wherein the second request includes
the
identification information of the electronic certificate at least; and
a sending module configured to deliver the second request to the second Funds-
Management server for increasing flexibility of changing a receiving server
and a
receiving fund account by a receiver, to improve the efficiency of funds
transfer in the
electronic transaction between the first terminal and the receiving server.
35. The device of claim 34, wherein the second Funds-Management server is
further configured
to deliver the received electronic certificate and the feedback information
for updating the
electronic certificate to the second terminal.
36. The device of claim 34, wherein the first Funds-Management server is
configured a server in
a first bank.
37. The device of claim 34, wherein the second Funds-Management server is
configured a server
in a second bank.
38. The device of claim 34, wherein the identification information of the
electronic certificate
includes a serial number of the electronic certificate.
39. The device of any one of claims 34 and 38, wherein the identification
information of the
electronic certificate includes QR code information representing the specific
electronic
certificate.
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40. The device of any one of claims 34 to 39, wherein the identification
information of the
electronic certificate is configured to be searched out the corresponding
electronic certificate
by the second Funds-Management server in a database.
41. The device of any one of claims 34 to 40, wherein the electronic
certificate further includes
information of the first terminal.
42. The device of any one of claims 34 to 41, wherein the electronic
certificate further includes
information of the first Funds-Management server.
43. The device of any one of claims 34 to 42, wherein the electronic
certificate further includes
credit limit information of the electronic certificate.
44. The device of any one of claims 34 to 43, wherein the electronic
certificate further includes
the clearing information.
45. A data interaction processing system of computers for an electronic
transaction, the system
comprising:
a first terminal configured to deliver a first request for receiving a data
certificate to a
second terminal for the data transaction to the second terminal directly via
servers of two
parties when the first terminal does not know a fund data unit of the second
terminal,
wherein the first request includes the identification information of the data
certificate at
least, wherein the data certificate is issued by a first server based on the
data value as a
margin in the first terminal's data unit;
a second terminal configured to:
configure a second server for receiving the data certificate in response to
the
first request when receiving the first request from the first terminal;
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configure the fund data unit in the second server for receiving data value
equal
to the corresponding data value in the data certificate; and
generate and deliver a second request for receiving the data certificate based
on
the above setting to the second server for increasing flexibility of changing
a
receiving server and a receiving data unit by a receiver to improve the
efficiency of data interaction in the electronic transaction between the first
terminal and the receiving server, wherein the second request includes the
identification information of the data certificate at least;
the second server configured to:
receive the data certificate in response to the second request; and
update the configuration information of the second server and the fund data
unit to the data certificate according to the second request, .
46. The system of claim 45, wherein the second server is further configured to
deliver the
received data certificate and the feedback information for updating the data
certificate to the
second terminal.
47. The system of claim 45, wherein the first server is configured a server in
a first bank.
48. The system of claim 45, wherein the second server is configured a server
in a second bank.
49. The system of claim 45, wherein the identification information of the data
certificate
includes a serial number of the data certificate.
50. The system of any one of claims 45 and 49, wherein the identification
information of the data
certificate includes QR code information representing the specific data
certificate.
Date Recue/Date Received 2021-06-07

51. The system of any one of claims 45 to 50, wherein the identification
information of the data
certificate is configured to be searched out the corresponding data
certificate by the second
server in a database.
52. The system of any one of claims 45 to 51, wherein the data certificate
further includes
information of the first terminal.
53. The system of any one of claims 45 to 52, wherein the data certificate
further includes
information of the first server.
54. A data interaction processing method in an electronic transaction, the
method comprising:
a first terminal delivers a first request for receiving a data certificate to
a second terminal
for the data transaction to the second terminal directly via servers of two
parties when
the first terminal does not know a fund data unit of the second terminal,
wherein the first
request includes the identification information of the data certificate at
least, wherein the
data certificate is issued by a first server based on the data value as a
margin in the first
terminal's data unit;
the second terminal configures a second server for receiving the data
certificate in
response to the first request when receiving the first request from the first
terminal;
the second terminal configures the fund data unit in the second server for
receiving data
value equal to the corresponding data value in the data certificate; and
the second terminal generates and delivers a second request for receiving the
data
certificate based on the above setting to the second server for increasing
flexibility of
changing a receiving server and a receiving data unit by a receiver to improve
the
efficiency of data interaction in the electronic transaction between the first
terminal and
the receiving server, wherein the second request includes the identification
information
of the data certificate at least; and
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the second server receives the data certificate in response to the second
request and
updates the configuration information of the second server and the fund data
unit to the
data certificate according to the second request.
55. The method of claim 54, wherein the second server is further configured to
deliver the
received data certificate and the feedback information for updating the data
certificate to the
second terminal.
56. The method of claim 54, wherein the first server is configured a server in
a first bank.
57. The method of claim 54, wherein the second server is configured a server
in a second bank.
58. The method of claim 54, wherein the identification information of the data
certificate
includes a serial number of the data certificate.
59. The method of any one of claims 54 and 58, wherein the identification
information of the
data certificate includes QR code information representing the specific data
certificate.
60. The method of any one of claims 54 to 59, wherein the identification
information of the data
certificate is configured to be searched out the corresponding data
certificate by the second
server in a database.
61. The method of any one of claims 54 to 60, wherein the data certificate
further includes
information of the first terminal.
62. The method of any one of claims 54 to 61, wherein the data certificate
further includes
information of the first server.
63. A data interaction processing method in an electronic transaction, applied
in a second
terminal, the method comprising:
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receiving a first request for receiving a data certificate to a second
terminal for the data
transaction to the second terminal directly via servers of two parties when a
first terminal
does not know a fund data unit of the second terminal, wherein the first
request includes
the identification information of the data certificate at least, wherein the
data certificate
is issued by a first server based on the data value as a margin in the first
terminal's data
unit;
configuring a second server for receiving the data certificate in response to
the first
request;
configuring the fund data unit in the second server for receiving data value
equal to the
corresponding data value in the data certificate; and
generating and delivering a second request for receiving the data certificate
based on the
above setting to the second server for increasing flexibility of changing a
receiving
server and a receiving fund account by a receiver to improve the efficiency of
data
interaction in the electronic transaction between the first terminal and the
receiving
server, wherein the second request includes the identification information of
the data
certificate at least.
64. The method of claim 63, wherein the second server is further configured to
deliver the
received data certificate and the feedback information for updating the data
certificate to the
second terminal.
65. The method of claim 63, wherein the first server is configured a server in
a first bank.
66. The method of claim 63, wherein the second server is configured a server
in a second bank.
67. The method of claim 63, wherein the identification information of the data
certificate
includes a serial number of the data certificate.
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68. The method of any one of claims 63 and 67, wherein the identification
information of the
data certificate includes QR code information representing the specific data
certificate.
69. The method of any one of claims 63 to 68, wherein the identification
information of the data
certificate is configured to be searched out the corresponding data
certificate by the second
server in a database.
70. The method of any one of claims 63 to 69, wherein the data certificate
further includes
information of the first terminal.
71. The method of any one of claims 63 to 70, wherein the data certificate
further includes
information of the first server.
72. A computer device for data interaction processing in an electronic
transaction, the device
comprising:
a receiving module configured to receive a first request for receiving a data
certificate
from a first terminal for the data transaction to the second terminal directly
via financial
institution of two parties when the first terminal does not know a fund
account of the
second terminal, wherein the first request includes the identification
information of the
electronic certificate at least, wherein the electronic certificate is issued
by a first Funds-
Management server based on the balance amount or a credit loan limit as a
margin in the
first terminal's financial account;
a setting module configured to:
configure a second server for receiving the data certificate in response to
the
first request;
configure the fund data unit in the second server for receiving data value
equal
to the corresponding data value in the data certificate;
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a generating module configured to generate a second request for receiving the
data
certificate based on the above setting, wherein the second request includes
the
identification information of the data certificate at least; and
a sending module configured to deliver the second request to the second server
for
increasing flexibility and efficiency of changing a receiving server and a
receiving fund
data unit by a receiver to improve the efficiency of data interaction in the
electronic
transaction between the first terminal and the receiving server.
73. The device of claim 72, wherein the second server is further configured to
deliver the
received data certificate and the feedback information for updating the data
certificate to the
second terminal.
74. The device of claim 72, wherein the first server is configured a server in
a first bank.
75. The device of claim 72, wherein the second server is configured a server
in a second bank.
76. The device of claim 72, wherein the identification information of the data
certificate includes
a serial number of the data certificate.
77. The device of any one of claims 72 and 76, wherein the identification
information of the data
certificate includes QR code information representing the specific data
certificate.
78. The device of any one of claims 72 to 77, wherein the identification
information of the data
certificate is configured to be searched out the corresponding data
certificate by the second
server in a database.
79. The device of any one of claims 72 to 78, wherein the data certificate
further includes
information of the first terminal.
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80. The device of any one of claims 72 to 79, wherein the data certificate
further includes
information of the first server.
31

Description

CA 02993243 2018-01-22
= WO 2017/011994
PCT/CN2015/084561
Method, System, And Apparatus For Setting Up Electronic Certificates
And Processing Data Exchange
[1] [Technical Field]
[2] The present invention relates to the field of electronic commerce, and
in particular, to a
method, system and device for setting an electronic certificate and processing
data
interaction.
[3] [Background Technology]
[4] E-commerce has become increasingly widely used in a variety of
commercial trade
activities, the so-called E-commerce is a business operation model that based
on the
browser and server applications helps consumer realize online shopping, online
transactions between merchants and online electronic payments, as well as a
variety of
business activities, trading activities, financial activities and related
integrated service
activities in the commercial trade, and in the Internet open network
environment.
[5] The current online electronic payment or online payment methods mainly
include bank
online banking payment (including credit card payment) and third-party payment
However, the credit bottleneck in the settlement process of on-line electronic
payment
(network payment) is always an obstacle in the development process of E-
commerce.
[6] In the current on-line electronic payment method, it is less risky to
guarantee the company
with a third party payment company. However, in the form of guarantee by a
third-party
payment company, when the payer completes the payment operation, the payee
will not be
able to change the payee bank until the payee receives the funds, and the
payee bank
cannot be able to change the receivable bank, and cannot provide the way to
deal with the
change of the receivable bank because of the abnormal situation.
[7] In addition, with the development of Internet technology, especially
mobile Internet
technology, users can use the 2G, 3G, 4G or WiFi mobile devices to transmit
data and
interact with each other. In the process of data interaction, a similar
situation is also
encountered.
[8] [Summary of the Invention]
[9] The main object of the present invention is to provide a method, system
and device for
electronic certificate setting and data interaction processing, enabling a
fund or data
receiver to set a server for receiving electronic certificate or data
certificate and an account
for receiving funds or data, and improves the efficiency of data interaction.
[10] One technical solution adopted in the present invention is to provide
a method for setting

CA 02993243 2018-01-22
= WO 2017/011994
PCT/CN2015/084561
an electronic certificate, which includes: the first terminal delivers the
first request
information to the second terminal receiving electronic certificate; where the
electronic
certificate is an electronic commitment payment certificate that the first
terminal with his /
her account funds or credit limit as the guarantee; electronic certificate,
and setting a fund
account stored in the second Funds-Management server to receive funds equal to
the
amount of the electronic certificate, generating second request information
for receiving
the electronic certificate according to the settings, and delivering the
second request
message to the second Funds-Management server request information; the second
Funds-Management server receives the electronic certificate in response to the
second
request message, and updates the information of the second Funds-Management
server and
the funds account to the electronic certificate according to the second
request message.
[11] Another technical solution adopted by the present invention is: an
electronic certificate
setting method applied to a second terminal, where the method includes: the
second
terminal receives the first request information delivered by the first
terminal receiving
electronic certificate; wherein, where the electronic certificate is an
electronic commitment
payment certificate that the first terminal with his / her account funds or
credit limit as the
guarantee; electronic certificate, and setting a fund account stored in the
second
Funds-Management server to receive funds equal to the amount of the electronic
certificate, generating second request information for receiving the
electronic certificate
according to the settings, and delivering the second request message to the
second
Funds-Management server request information.
[12] Another technical solution adopted by the present invention is to
provide an electronic
certificate setting system, which includes a first terminal, a second
terminal, a first
Funds-Management server, and the first terminal delivers the first request
information to
the second terminal receiving electronic certificate; where the electronic
certificate is an
electronic commitment payment certificate that the first terminal with his /
her account
funds or credit limit as the guarantee; electronic certificate, and setting a
fund account
stored in the second Funds-Management server to receive funds equal to the
amount of the
electronic certificate, generating second request information for receiving
the electronic
certificate according to the settings, and delivering the second request
message to the
second Funds-Management server request information; the second Funds-
Management
server receives the electronic certificate in response to the second request
message, and
updates the information of the second Funds-Management server and the funds
account to
the electronic certificate according to the second request message.
1131 Another technical solution adopted by the present invention is: an
electronic certificate
2

CA 02993243 2018-01-22
WO 2017/011994 PC 1 /C N2015/(184561
setting device, applied to a second terminal, including a receiving module, a
setting
module, a generating module and a delivering module; the receiving module is
used to
receive the first request information of receiving electronic certificate sent
by the first
terminal; wherein, electronic certificate is the first terminal user to apply
to the first
Funds-Management server and the electronic commitment payment certificate
generated by
the first Funds-Management server; the setting module is used to respond to
the first
request information, set the second Funds-Management server to receive
electronic
certificate, and set up the fund account stored in the second Funds-Management
server to
receive the same amount of Funds as the electronic certificate amount; the
generating
module is used to generate the second request information for receiving
electronic
certificate according to the above settings; the delivering module is used to
deliver a
second request message to the second Funds-Management server.
[14] Another technical solution adopted by the present invention is to
provide a data interaction
processing method, where the method includes: the first terminal delivers the
first request
information of receiving data certificate to the second terminal; wherein,
data certificate is
the quantitative tool of the first terminal as a pre-established data
association relationship
between data initiator and First Server; The second terminal responds to the
first request
message, sets the Second Server to receive the data certificate, and sets the
data account
stored in Second Server to receive data corresponding to the data certificate.
The Second
request information is set up to receive data certificate, and Second request
information is
delivered to Second Server; Second Server responds to the second request
information,
receives the data certificate, and updates the Second Server and data account
information to
the data certificate according to the Second request information.
[15] Another technical solution adopted by the present invention is to
provide a data interaction
processing method applied to a second terminal, where the method includes: the
first
terminal delivers the first request information of receiving data certificate
to the second
terminal; wherein, data certificate is the quantitative tool of the first
terminal as a
pre-established data association relationship between data initiator and First
Server; The
second terminal responds to the first request message, sets the Second Server
to receive the
data certificate, and sets the data account stored in Second Server to receive
data
corresponding to the data certificate. The Second request information is set
up to receive
data certificate, and Second request information is delivered to Second
Server; Second
Server responds to the first request information, set the Second Server to
receive the data
certificate, set the data account stored in the Second Server to receive the
data
corresponding to the data certificate, receiving the second request
information of the data
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=
certificate according to the above configuration, and delivering the second
request
information to the Second Server.
[16] Another technical solution adopted by the present invention is to
provide a data interaction
processing system, which includes a first terminal, a second terminal, a First
Server and a
Second Server. The first terminal is used to deliver and receive data to the
second terminal
certificate, wherein the data certificate is a quantitative tool used by the
first terminal as a
data association pre-established between the data initiator and the First
Server; the second
terminal is used to respond to the first request information and set a Second
Server to
receive data certificate, and setting a data account stored in the Second
Server to receive
data corresponding to the data certificate, and according to the second
request information
set as above to receive the data certificate, and delivering second request
information to the
Second Server; and the Second Server is used to respond to the second request
information,
receive data certificate, and updates the information of the Second Server and
the data
account to the data certificate according to the second request message.
[17] Another technical solution adopted by the present invention is to
provide a data interaction
processing device applied to a second terminal, where the device includes a
receiving
module, a setting module, a generating module, and a delivering module. The
receiving
module is used to receive the first terminal. Wherein the data certificate is
a quantitative
tool used by the first terminal as a data association relationship established
between the
data initiator and the First Server in advance; and the setting module is used
to, in response
to the first request message, set a Second Server to receive the data
certificate, and to set
the data account stored in the Second Server to receive the data corresponding
to the data
certificate; a generating module is used to receive second request information
of the data
certificate according to the above; and a delivering module is used to deliver
second
request information to Second Server.
[18] Different from the existing technology, in the present invention, a
first terminal delivers
first request information for receiving an electronic certificate to a second
terminal. In
response to the first request information, the second terminal sets a second
Funds-Management server to receive electronic certificate and set up a funds
account
stored in the second Funds-Management server to receive the funds equal to the
amount of
the electronic certificate, generate second request information for receiving
the electronic
certificate according to the settings, and deliver a second request to the
second
Funds-Management server information; the second Funds-Management server
receives the
electronic certificate, and updates the information of the second Funds-
Management server
and the funds account to the electronic certificate according to the second
request
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information. Through the above method, the present invention enables the
second terminal
user to arbitrarily set a server for receiving an electronic certificate and
an account for
receiving funds, so as to diversify the forms of collection of receipts and
increase the
interaction efficiency between the two parties. In the meantime, in the
present invention,
the first terminal delivers the first request information for receiving the
data certificate to
the second terminal. The second terminal responds to the first request
message, sets the
Second Server to receive the data certificate, and sets the data account
stored in Second
Server to receive data corresponding to the data certificate. The Second
request information
is set up to receive data certificate, and Second request information is
delivered to Second
Server; Second Server receives the data certificate, and updates the Second
Server and data
account information to the data certificate according to the Second request
information.
Through the above method, the present invention enables the second terminal to
arbitrarily
set a server that receives the data certificate and an account that receives
the data, so as to
diversify the form of collection of receipts and increase the interaction
efficiency between
the two parties.
[19] [Brief Description]
[20] Figure 1 is a flowchart of a first example of an electronic
certificate setting method
according to the present invention;
[21] Figure 2 is a schematic diagram of a relationship between a first
example of an electronic
certificate setting method according to the present invention;
[22] Figure 3 is a flow chart of a second example of an electronic
certificate setting method
according to the present invention;
1231 Figure 4 is a schematic structural view of an example of the
electronic certificate setting
system according to the present invention;
[24] Figure 5 is a schematic structural diagram of a first example of an
electronic certificate
setting device according to the present invention;
[25] Figure 6 is a flowchart of a first example of a data interaction
processing method according
to the present invention;
[26] Figure 7 is a flowchart of a second example of a data interaction
processing method
according to the present invention;
[27] Figure 8 is a schematic structural diagram of a data interaction
processing system in an
example of the present invention.
[28] Figure 9 is a schematic structural diagram of a first example of a
data interaction
processing device according to the present invention. Figure
[29] [Description of the Preferred Examples]

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[30] In order to explain on the technical content, construction
characteristics, the purpose and
effect of the invention, the following combination of the attached drawings
and the
embodiment of the invention are explained in detail.
[31] Please refer to Figure 1, a flowchart of a first example of an
electronic certificate setting
method according to the present invention is shown. Please refer to Figure 2,
a schematic
diagram of a relationship of a first example of an electronic certificate
setting method
according to the present invention is shown. The method includes:
[32] Step 101: the first terminal delivers first request information for
receiving the electronic
certificate to the second terminal.
[33] Wherein, the electronic certificate is an electronic commitment
payment certificate that the
first terminal user applies to the first Funds-Management server and generates
the first
Funds-Management server with his / her account fund or credit limit as the
guarantee.
[34] Specifically, the electronic certificate refers to that the first
Funds-Management server
generates the funds in the name of the first Funds-Management server according
to the
request of the first terminal user to freeze funds or credit limit, and
commits to settle
according to the agreed conditions payment certificate of electronic credit
commitment.
The basic business process of the electronic certificate is as follows: the
first
Funds-Management server freezes the required amount of funds according to the
application of the first terminal user to open the electronic certificate.
When the agreed
settlement conditions are reached, the Funds-Management server will release
the funds to
handle payment and settlement.
[35] In this implementation manner, the first terminal is first request
information for receiving
an electronic certificate delivered to a second terminal, wherein the first
request
information includes at least identification information of the electronic
certificate and a
request for receiving the electronic information from a second terminal user
certificate
request. Wherein, the identification information of the electronic certificate
may be an
electronic certificate number, a name or QR code information representing a
specific
electronic certificate, and so on.
[36] In other examples, after the first terminal applies to the first Funds-
Management server and
the electronic certificate is generated by the first Funds-Management server,
the request
message may also be delivered by the first Funds-Management server to the
second
terminal.
[37] Wherein, the manner in which the first terminal or the first Funds-
Management server
delivers the first request information to the second terminal. For example,
the second
terminal user uses the second terminal to scan the QR code generated on the
first terminal.

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For example, the second terminal user can use the second terminal to scan the
QR code
generated on the first terminal.
[381 Step 102: the second terminal responds to the first request message,
sets a second
Funds-Management server to receive the electronic certificate, and sets a fund
account
stored in the second Funds-Management server to receive funds equivalent to
the amount
of the electronic certificate, generate second request information for
receiving the
electronic certificate according to the above setting, and deliver the second
request
information to the second Funds-Management server.
[39] In the present example, the second Funds-Management server receives
the electronic
certificate, and sets up the funds account stored in the second Funds-
Management server to
receive the same Funds as the electronic certificate quota. it can be set up
by second
terminal users through second terminals, or it can be stored in the second
terminal of the
electronic certificate server information and receive electronic certificate
amount equal to
the amount of funds account information, when the first request information is
received,
the same Funds-Management server (the second Funds-Management server in the
implementation mode) is delivered to the second request information
automatically. In
addition, the setting process of the second terminal is only used to generate
the second
request information, and the information in the electronic certificate is not
changed. The
subsequent updating of the information of the electronic certificate needs to
be completed
by the second Funds-Management server in the next step.
[40] Specifically, the server information for receiving the electronic
certificate set by the second
terminal and the receiving server for delivering the second request
information by the
second terminal are the same Funds-Management server, that is, they are all
second
Funds-Management servers: therefore, in another example, the second request
information
may not include the server information for receiving the electronic
certificate. When the
second terminal delivers the second request information to the second Funds-
Management
server, the second Funds-Management server is designated as the receiving
server of
electronic certificate.
1411 After step 102, the method may further include the following step: the
second
Funds-Management server verifies the second request information, and when the
verification passes, step 103 is performed.
[42] The verification of the second request information may include:
verifying whether the
second terminal user is valid, whether the account information of the second
terminal user
is correct, or whether the account is stored in the second Funds-Management
server.
[43] Step 103: the second Funds-Management server receives the electronic
certificate in
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response to the second request message, and updates the information of the
second
Funds-Management server and the funds account to the electronic certificate
according to
the second request message.
[44] Wherein, the second request information includes at least the
identification information of
the electronic certificate, so that the second Funds-Management server
searches for the
electronic certificate according to the identification information. The
searching method can
be searching in the database of each other Funds-Management server or
collecting and
searching the electronic certificate information held by each Funds-Management
server.
[45] In step 103, after receiving the electronic certificate, the second
Funds-Management server
may further verify the status of the electronic certificate. After
verification is passed, the
second Funds-Management server and funds account information will be updated
to
electronic certificate according to the second request information.
[46] Wherein, the status of the electronic certificate is electronic
certificate information, and the
electronic certificate information may include the information of the first
terminal and the
first Funds-Management server. Of course, the electronic certificate
information may
further include the credit information of the electronic certificate, the
clearing information,
and of course, the issuing time and the validity period can also be directly
replaced by the
expiration time.
[47] The status of the verification electronic certificate is specifically
as follows: the second
Funds-Management server determines whether the electronic certificate has
expired based
on the issuing time and expiration date of the electronic certificate.
[48] After step 103, the method may further include the step of the second
Funds-Management
server delivers feedback information to the second terminal receiving
electronic certificate
and updating electronic certificate information.
[49] After all the above steps are completed, if the second Funds-
Management server receives
the funds equal to the value of the electronic certificate issued by the first
Funds-Management server, the funds are allocated to the account set by the
second
terminal in step 102.
[50] In a specific example, the first Funds-Management server is the first
bank's
Funds-Management server, and the second Funds-Management server is the second
bank's
Funds-Management server. The first terminal is terminal A, the first terminal
user is User
A, the second terminal is terminal B, and the second terminal user is User B.
Here's an
example:
[51] When User A needs to transfer 100,000 to User B, User A does not know
the account of
User B and it is too troublesome to ask user B's account information by phone
or text. User
8

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A directly delivers the issuing application to the first bank through terminal
A and the
electronic certificate is generated by the first bank. After completing the
issuing of the
certificate, User A delivers a request to terminal B to terminal B through
terminal A for
requesting user B to receive the funds equal to the value of the electronic
certificate A
request for information.
[52] When the terminal B receives the first request information, the User B
sets the certificate
collecting behaviour second bank through the terminal B, the receiving account
is the
account B, and delivers the second request information to the second bank,
including the
issuing bank information and the account information.
[53] The second bank issues a receipt based on the second request message,
changes the receipt
of the electronic certificate to the second bank after receiving the
electronic certificate, and
the account that receives the funds equal to the electronic certificate amount
is changed to
the account B.
[54] When the second bank receives the funds issued by the first bank, it
is allocated to the User
B's account B.
[55] In the above solution, the first terminal delivers the first request
information to the second
terminal receiving electronic certificate; where the electronic certificate is
an electronic
commitment payment certificate that the first terminal with his / her account
funds or credit
limit as the guarantee; electronic certificate, and setting a fund account
stored in the second
Funds-Management server to receive funds equal to the amount of the electronic
certificate, generating second request information for receiving the
electronic certificate
according to the settings, and delivering the second request message to the
second
Funds-Management server request information; the second Funds-Management
server
receives the electronic certificate, and updates the information of the second
Funds-Management server and the funds account to the electronic certificate
according to
the second request message. In this way. when the first terminal needs to
deliver an
electronic certificate to the second terminal, so that the second terminal
user obtains the
funds equal to the value of the electronic certificate, the second terminal
user can arbitrarily
set a server that receives the electronic certificate and receiving the funds
account of the
fund, it avoids the cumbersome program of the first terminal setting account,
and also
guarantees that the funds will not be delivered to the abnormal accounts
wrongly, making
the certificate more flexible. It is beneficial for the second terminal users
to choose the
most convenient way to receive the funds and improve the efficiency of funds
interaction.
[56] Please refer to Figure 3, a flowchart of a second example of an
electronic certificate setting
method according to the present invention is applied to a second terminal. The
method
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includes:
[57] Step 301: the second terminal receives the first request message for
receiving the electronic
certificate delivered by the first terminal.
[58] Wherein, the electronic certificate is an electronic commitment
payment certificate that the
first terminal user applies to the first Funds-Management server and generates
the first
Funds-Management server with his / her account fund or credit limit as the
guarantee.
[59] Specifically, the electronic certificate refers to that the first
Funds-Management server
generates the funds in the name of the first Funds-Management server according
to the
request of the first terminal user to freeze funds or credit limit, and
commits to settle
according to the agreed conditions payment certificate of electronic credit
commitment.
The basic business process of the electronic certificate is as follows: the
first
Funds-Management server freezes the required amount of funds according to the
application of the first terminal user to open the electronic certificate.
When the agreed
settlement conditions are reached. the Funds-Management server will release
the funds to
handle payment and settlement.
[60] Step 302: the second terminal responds to the first request message,
sets a second
Funds-Management server to receive the electronic certificate, and sets a fund
account
stored in the second Funds-Management server to receive funds equivalent to
the amount
of the electronic certificate, generate second request information for
receiving the
electronic certificate according to the above setting, and deliver the second
request
information to the second Funds-Management server.
[61] This example is based on the implementation manner of the second
terminal in the first
example of the method for setting an electronic certificate mentioned above,
and the
implementation manner is similar, and details are not described herein again.
[62] Figure 4, an electronic certificate setting system according to an
example of the present
invention is structurally illustrated. The system 400 includes a first
terminal 401, a second
terminal 402, a first Funds-Management server 403, and a second Funds-
Management
server 404.
[63] The first terminal 401 is used to deliver first request information
for receiving an electronic
certificate to the second terminal 402, wherein the electronic certificate is
an electronic
commitment payment certificate that is applied to the first Funds-Management
server 403
by the user of the first terminal 401 and used by the first Funds-Management
server 403 for
the account funds or the credit limit of the first terminal 401.
[64] Specifically, the electronic certificate refers to that the first
Funds-Management server 403
generates, on behalf of the first Funds-Management server 403 according to the
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frozen funds or credit limit of the user of the first terminal 401 and commits
to make the
payment certificate of electronic credit commitment in accordance with the
agreed terms.
The basic business process of the electronic certificate is as follows: the
first
Funds-Management server 403, according to the application of the first
terminal user 401,
freezes the required amount of funds to open the electronic certificate. When
the agreed
settlement conditions are reached, the Funds-Management server 403 will
release the funds
Handle payment and settlement.
[65] The second terminal 402 is used to set up the second Funds-Management
server 404 to
receive the electronic certificate in response to the first request
information, and set a fund
account stored in the second Funds-Management server 404 to receive the funds
equal to
the amount of the electronic certificate, generates second request information
for receiving
the electronic certificate according to the above setting, and delivers the
second request
information to the second Funds-Management server 404.
[66] The second Funds-Management server 404 is used to receive the
electronic certificate in
response to the second request message, and update the information of the
second
Funds-Management server 404 and the funds account to the electronic
certificate according
to the second request message.
[67] This example is based on the system of the first example of the method
for setting an
electronic certificate mentioned above, and the implementation manner is
similar, and
details are not described herein again.
[68] Please refer to Figure 5, a schematic structural diagram of an example
of a device 500 for
setting an electronic certificate of the present invention, which is a second
terminal.
includes a receiving module 501, a setting module 502, a generating module
504. and a
delivering module 503.
[69] The receiving module 501 is used to receive first request information
for receiving an
electronic certificate delivered by a first terminal.
[70] Wherein, the electronic certificate is an electronic commitment
payment certificate that the
first terminal user applies to the first Funds-Management server and generates
the first
Funds-Management server with his / her account fund or credit limit as the
guarantee.
[71] Specifically, the electronic certificate refers to that the first
Funds-Management server
generates the funds in the name of the first Funds-Management server according
to the
request of the first terminal user to freeze funds or credit limit, and
commits to settle
according to the agreed conditions payment certificate of electronic credit
commitment.
The basic business process of the electronic certificate is as follows: the
first
Funds-Management server freezes the required amount of funds according to the
11

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application of the first terminal user to open the electronic certificate.
When the agreed
settlement conditions are reached, the Funds-Management server will release
the funds to
handle payment and settlement.
[72] The setting module 502 is used to set a module for setting a second
Funds-Management
server to receive the electronic certificate in response to the first request
information, and
setting a fund account stored in the second Funds-Management server to receive
Funds
equal to the electronic certificate amount.
[73] The generating module 503 is used to generate second request
information for receiving the
electronic certificate according to the above setting.
[74] The delivering module 504 is used to deliver the second request
information to the second
Funds-Management server.
[75] Please refer g to Figure 6, a flowchart of a first example of a data
interaction processing
method according to the present invention includes:
[76] Step 601: the first terminal delivers first request information for
receiving the data
certificate to the second terminal.
[77] Wherein, data certificate is a quantitative tool used by the first
terminal as the
pre-established data association between the data initiator and the First
Server.
[78] Step 602: In response to the first request information, the second
terminal sets the Second
Server to receive the data certificate, and sets the data account stored in
the Second Server
to receive the data corresponding to the data certificate. According to the
second request
information configured to receive the data certificate, and deliver the second
request
information to the Second Server.
[79] Step 603: Second Server responds to the second request message,
receives the data
certificate, and updates the information of the Second Server and the data
account to the
data certificate according to the second request message.
[80] Specifically, the data interaction processing method in the example of
the present invention
is illustrated below.
[81] For example, User A can log in to the system at terminal I by password
and have the
management authority of the system. Wherein, the password may be continuous
characters,
codes, graphics and so on, and the password is unique. For example, when the
User A
delivers the password to the User B, the User A no longer owns the password.
Specifically,
when the User A needs to transfer the management authority to the User B, the
user needs
to deliver the password to thc User B. However, the User B does not know that
the account
such as the password is received by the User B can be performed in the
following manner:
[82] The User A applies for the password certificate based on the password
to the server
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through the terminal 1, and delivers the first request message for receiving
the password
certificate to the terminal 2 of the User B. After the User B receives the
first request
message through the terminal 2, The server 2 is set by the terminal 2 to
receive the
password certificate, and the password of the account 2 is set, and the second
request
information is generated according to the setting content and delivered to the
server 2.
[83] The server 2 receives the second request information, receives the
password certificate
according to the second request, and updates the password certificate
according to the
second request information. The updated password certificate includes at least
the
receiving terminal requiring the password certificate as server 2 and the
password receiving
account as account 2.
[84] After the server I delivers the password to the server 2, the server
delivers the password to
the account 2 of the User B according to the password certificate. The User B
can log in to
the system by using the password and has the system management authority.
Meanwhile,
the User A lost the system management authority.
[85] In the above solution, in the present invention, the first terminal
delivers the first request
information for receiving the data certificate to the second terminal; the
second terminal
sets the Second Server to receive the data certificate in response to the
first request
message. According to the second request information configured to receive the
data
certificate and deliver the second request information to the Second Server;
the Second
Server receives the data certificate, and according to the second request
information, the
information of Second Server and data account is updated to data certificate.
In the above
manner, the present invention enables the second terminal to set up the server
that receives
the data certificate and the account of receiving data arbitrarily, prevents
the receiving
account of the data from being abnormal account, makes the collection form
more
diversified, and improves the interaction efficiency of the data interactive
party.
[86] Please refer to Figure 7, a flowchart of a second example of a data
interaction processing
method according to the present invention is applied to a second terminal. The
method
includes:
[87] Step 701: the second terminal receives first request information that
is delivered by the first
terminal and receives the data certificate.
[88] Where data certificate is the data certificate applied to First Server
and generated by First
Server by the first terminal user with his account fund or credit line as a
guarantee.
[89] Step 702: In response to the first request information, the second
terminal sets the Second
Server to receive the data certificate, and sets the data account stored in
the Second Server
to receive the data corresponding to the data certificate. According to the
second request
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information configured to receive the data certificate, and deliver the second
request
information to the Second Server.
[90] This example is based on the implementation manner of the second
terminal in the first
example of the data interaction processing method, and its implementation is
similar, and
details are not described herein again.
[91] Please refer to Figure 8, a schematic structural diagram of an example
of a data interaction
processing system according to the present invention includes a first terminal
801, a second
terminal 802, a First Server 803, and a Second Server 804.
[92] The first terminal 801 is used to deliver first request information
for receiving the data
certificate to the second terminal 802.
[93] Wherein, data certificate is a quantitative tool used by the first
terminal 801 as the
pre-established data association between the data initiator and the First
Server 803.
[94] The second terminal 802 is used to: in response to the first request
information, the second
terminal 802 sets the Second Server 804 to receive the data certificate, and
sets the data
account stored in the Second Server 804 to receive the data corresponding to
the data
certificate. According to the second request information configured to receive
the data
certificate, and deliver the second request information to the Second Server
804.
[95] Second Server 804 is used to receive the data certificate in response
to the second request
message, and update the information of Second Server 804 and the data account
to data
certificate according to the second request message.
[96] This example is a system based on the first example of the data
interaction processing
method. The implementation is similar, and details are not described herein
again.
[97] Please refer to Figure 9, a schematic structural diagram of an example
of a data interaction
processing device according to the present invention is applied to a second
terminal. The
device includes a receiving module 901, a setting module 902, a generating
module 903,
and a delivering module 904.
[98] The receiving module 901 is used to receive first request information
delivered by the first
terminal and used for receiving the data certificate.
[99] Where data certificate is the data certificate applied to First Server
and generated by First
Server by the first terminal user with his account fund or credit limit as a
guarantee.
[100] The setting module 902 is used to set up the Second Server to receive
the data certificate in
response to the first request message, and set the data account stored in the
Second Server
to receive the data corresponding to the data certificate.
[101] The generating module 903 is used to receive the second request
information of data
certificate according to the above.
14

[102] The delivering module 904 is used to deliver second request information
to the Second
Server.
[103] This example is based on the implementation manner of the second
terminal device in the
first example of the data interaction processing method, and its
implementation is similar,
and details are not described herein again.
[104] The above is only an example of the present invention and is not
intended to limit the scope
of the invention as a matter of limitation, either by way of equivalent
construction or
equivalent process transformation using the present specification and the
accompanying
drawings, directly or indirectly used in other related technical fields, which
are included in
the scope of the patent protection of the present invention.
Date Recue/Date Received 2020-12-16

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