Online fund management method, and data interaction processing method and apparatus

Abstract

The invention discloses an online fund management method, and a data interaction processing method and apparatus. The online fund management method comprises the following steps: a first participant sending a request of freezing an account fund of a second participant to a first fund management server; the first fund management server, in response to the request, performing identity verification on the first participant; the first fund management server, when verification of identity information of the first participant succeeds and it is confirmed that the fund needing to be frozen comprises at least a part of a fund of an electronic certificate of the second participant, freezing a fund not greater than the quota of the electronic certificate, and sending the information of the electronic certificate after fund freezing to a second fund management server; the second fund management server sending the received information of the electronic certificate to a third participant; and the third participant obtaining the information of the electronic certificate. Through such a mode, it can be effectively ensured that benefits of the third participant are not damaged, and the problem of risks of data security of a third interaction side is effectively avoided.

Description

technical field [0001] The invention relates to the field of e-commerce, in particular to an online fund management method, a data interaction processing method and a device. Background technique [0002] The current online electronic payment or network payment methods mainly include bank online banking payment (including credit card payment) and third-party payment. In the existing online electronic payment or network payment, there is less risk in the form of guarantee by a third-party payment company. [0003] However, in the form of third-party payment company guarantee, for the payer customer or the payer, the funds have been paid to the third-party payment company when the goods have not been received. Once the third-party payment company has a problem, the payer customer or payer The payer's funds are not secured. Therefore, in the form of third-party payment company guarantee, there is still a relatively large risk in the funds of the payer's client or the payer. ...

AI Technical Summary

Problems solved by technology

[0003] However, in the form of third-party payment company guarantee, for the payer customer or the payer, the funds have been paid to the third-party payment company when the goods have not been received. Once the third-party payment company has a problem, the payer customer or payer Funds of the payer are not secured

Therefore, in the form of third-party payment company guarantee, there is still a relatively large risk of the payer's client or payer's funds

Especially when the payer's customer or the payer's funds flow is abnormal, the third-party company cannot intervene and stop it in a timely and effective manner, resulting in the commodity provider being unable to obtain the funds for the sale of the commodity

For example, the payer customer or the payer cannot normally pay the product provider the amount corresponding to the purchased product due to civil and economic disputes, etc.

Images