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Fund management server, and data processing method and system for inter-bank electronic certificate issuing

A data processing system and fund management technology, which is applied in the field of computer data processing, can solve the problems of user inconvenience and single transaction form of electronic vouchers, and achieve the effects of improving user experience, enriching application scenarios, and facilitating users

Inactive Publication Date: 2017-02-01
SHENZHEN CIFPAY NETWORK BANK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The form of transaction is too single, and some potential business needs in the market cannot be met. Therefore, in order to better develop e-commerce, it is urgent to enrich the way of fund transfer and develop new financial payment tools.
[0004] However, when the existing electronic certificates are issued, the first fund management server and the second fund management server must be the same bank, which brings inconvenience to users who handle electronic certificates

Method used

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  • Fund management server, and data processing method and system for inter-bank electronic certificate issuing
  • Fund management server, and data processing method and system for inter-bank electronic certificate issuing
  • Fund management server, and data processing method and system for inter-bank electronic certificate issuing

Examples

Experimental program
Comparison scheme
Effect test

Embodiment approach

[0060] Such as figure 1 As shown, the data processing method for issuing electronic vouchers across banks of the present application, an implementation thereof, includes the following steps:

[0061] Step 102: The first fund management server generates pre-issuance data information and sends it to the second fund management server. The first fund management server is the server of the issuing bank, and the second fund management server is the server of the paying bank. In this embodiment, the issuing bank and the bank with different payment behaviors. The pre-issuance data information includes at least the account for issuing the L / C and the amount of funds for L / C issuance or the credit line for disbursement.

[0062] Step 104: The first fund management server issues an electronic certificate after receiving the information that the second fund management server freezes the fund amount of the account issued or the credit limit.

[0063] Wherein, before step 102, the followi...

Embodiment 2

[0067] Such as figure 2 As shown, another implementation of the data processing method for cross-bank issuance of electronic vouchers of the present application includes the following steps:

[0068] Step 202: The first fund management server generates pre-issuance data information and sends it to the second fund management server.

[0069] Step 204: The second fund management server receives the pre-issuance data information sent by the first fund management server.

[0070] Step 206: The second fund management server freezes the account opening fund amount or draws the credit line.

[0071] Step 206 may specifically include:

[0072] The second fund management server confirms whether the account has sufficient funds or credit;

[0073] If so, send a request to the data requesting terminal to freeze the amount of funds for opening the account or draw the credit line; if the account does not have sufficient funds or credit, notify the data requesting terminal;

[0074] Af...

Embodiment 3

[0096] Such as Figure 4 As shown, another embodiment of the data processing method for issuing electronic vouchers across banks of the present application includes the following steps:

[0097] Step 402: The issuing bank generates pre-issuing data information and sends it to the paying bank. The issuing bank and the payment bank are different, and the pre-issuing data information includes at least the issuing account and the amount of funds issued or the credit line for disbursement.

[0098] Step 404: The paying bank receives the pre-issuing data information sent by the issuing bank.

[0099] Step 406: The paying bank freezes the capital limit for account issuance or draws the credit limit.

[0100] Step 408: The paying bank notifies the issuing bank of the information about the frozen account opening fund amount or credit line drawing.

[0101] Step 410: The issuing bank issues an electronic voucher after receiving the information about the capital limit for issuing the ...

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Abstract

The application discloses a data processing method for inter-bank electronic certificate issuing. The method comprises: a first fund management server generates pre-issuing data information and sends the information to a second fund management server; and after the first fund management server receives information of account freezing of the second fund management server, an electronic certificate is issued. In addition, the application also discloses a fund management server and a data processing system for inter-bank electronic certificate issuing. According to the invention, an application for issuing an electronic certificate is made at a bank and another bank is designated as a second fund management server, so that application scenes of financial payment tools are enriched, the user can carry out operation conveniently, and the user experience is improved.

Description

technical field [0001] The present application relates to the technical field of computer data processing, in particular to a fund management server, a data processing method and system for issuing electronic vouchers across banks. 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 meth...

Claims

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Application Information

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IPC IPC(8): G06Q20/38G06Q40/02
CPCG06Q20/3821G06Q40/02
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH