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Data processing method and system capable of making electronic certificates, and fund management server

A data processing system and capital management technology, applied in the field of computer data processing, can solve problems such as complicated procedures, inconvenience for users, and inability to meet business needs, so as to improve user experience and facilitate users.

Inactive Publication Date: 2016-11-16
SHENZHEN CIFPAY NETWORK BANK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The transaction form is too single, and some potential business needs in the market cannot be met
In e-commerce, when a third party is willing to use electronic bills to pay for the buyer, the procedures are complicated and inconvenient to the user

Method used

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  • Data processing method and system capable of making electronic certificates, and fund management server
  • Data processing method and system capable of making electronic certificates, and fund management server
  • Data processing method and system capable of making electronic certificates, and fund management server

Examples

Experimental program
Comparison scheme
Effect test

Embodiment approach

[0054] Such as figure 1 As shown, the data processing method for issuing electronic vouchers of the present application, an implementation thereof, includes the following steps:

[0055] Step 102: The first fund management server sends the first pre-issuing data information to the data requesting terminal. The first fund management server is the server of the issuing bank, and the first pre-issuing data information is generated according to the issuing request data information of the issuing terminal.

[0056] The issuing request includes the identity information of the issuer and the payment account information. It can also include the information of the designated recipient, such as the recipient's name, mobile phone, email address, ID card, WeChat ID, QQ number and other information that can correspond to the recipient, the recipient's account number (deposit account), etc., through the recipient's information , so that the recipient can receive the electronic certificate...

Embodiment 2

[0063] Such as figure 2 As shown, another implementation of the data processing method for issuing electronic vouchers of the present application includes the following steps:

[0064] Step 202: The first fund management server sends the first pre-issuing data information to the data requesting terminal.

[0065] Step 204: The data request terminal generates second request data information requesting payment from others according to the first pre-issuance data information, and sends it to the first fund management server. The second request data information includes the amount requested to be paid by others.

[0066] Step 206: The data requesting terminal generates information notifying others to pay and sends it to the data processing terminal.

[0067] Step 208: The data processing terminal entrusts the second fund management server to pay on its behalf.

[0068] In one embodiment, step 208 may specifically include:

[0069] The data processing terminal confirms whether ...

Embodiment 3

[0091] Such as Figure 4 As shown, another embodiment of the data processing method for issuing electronic vouchers of the present application includes the following steps:

[0092] Step 402: The issuing bank sends the first pre-issuing data information to the issuing terminal.

[0093] Step 404: The issuing terminal generates second request data information requesting payment from others according to the first pre-issuance data information, and sends it to the issuing bank.

[0094] Step 406: The issuing terminal generates information notifying others to pay and sends it to the other person's payment terminal.

[0095] Step 408: The other person's payment terminal entrusts the other person's payment bank to make the payment.

[0096] Step 410: The other party's payment bank freezes the amount of funds issued by the account or draws the credit line, generates freezing information and notifies the issuing bank.

[0097] Step 412: The issuing bank receives the information abo...

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PUM

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Abstract

The invention discloses a data processing method for capable of making electronic certificates. The data processing method includes that: a first fund management servers sends first data information to be issued to a data request terminal; the first fund management server receivies second request data information for requesting payment of other people which is generated according to the first data information to be issued and fed back by the data request terminal; the first fund management server receives frozen account issuing fund limit or payment credit line information sent by the second fund management server, and make an electronic certificate. The invention also discloses a data processing system capable of making electronic certificates and a first fund management server. According to the technical scheme, a user applies for making an electronic certificate on the basis of freezing fund or credit of accounts of other people; the problem that an issue people and a payment people muste be the same during making of the electronic payment bill in the prior art can be solved; and the issue people and the payment people may be different, the user is facilitated, and the user experience can be improved.

Description

technical field [0001] The present application relates to the technical field of computer data processing, in particular to a data processing method, system and fund management server for issuing electronic vouchers. Background technique [0002] With the increasing development of computer, network and modern communication technology, the application of e-commerce has gradually entered thousands of households and become one of the familiar transaction methods. E-commerce uses the Internet platform to connect all parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), and reduces transaction costs by making the entire transaction process networked, electronic, and informatized , Improved transaction efficiency. [0003] However, in the current e-commerce application, the transfer of funds mainly depends on the traditional electronic direct transfer payment method and the third-party payment method. The form o...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38G06Q20/12
CPCG06Q20/12G06Q20/3821G06Q20/38215G06Q20/42G06Q30/06G06Q20/24
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH
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