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Online funds management method, data interaction processing method, and device and system therefor

A fund management and data technology, applied in the credit field, can solve problems such as refunding funds, and achieve the effect of simplifying refund operations and ensuring account information security.

Inactive Publication Date: 2017-02-22
SHENZHEN CIFPAY NETWORK BANK TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, during the online transaction, if the transaction cannot be completed due to goods or other reasons, the paid funds need to be refunded

Method used

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  • Online funds management method, data interaction processing method, and device and system therefor
  • Online funds management method, data interaction processing method, and device and system therefor
  • Online funds management method, data interaction processing method, and device and system therefor

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Embodiment Construction

[0025] In order to describe the technical content, structural features, objectives and effects of the present invention in detail, the present invention will be described in detail below in conjunction with the accompanying drawings and embodiments.

[0026] see figure 1 , is a schematic flowchart of an online fund management method according to the first embodiment of the present invention. Please also see figure 2 , combined with the schematic structural diagram of the online fund management system, the method flow shown in this embodiment includes the following steps:

[0027] S11. The first terminal sends a request for generating a refund voucher of the bank-credit card to the first fund management server.

[0028] Among them, the bank letter certificate is an electronic credit commitment payment that the second terminal applies to the second fund management server with the user's account funds or credit line as a deposit and is generated by the second fund management s...

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Abstract

Disclosed are an online funds management method, and a data interaction processing method, device and system. According to the online funds management method, a first terminal sends a generation request for a refund certificate for a bank credit certificate to a first funds management server; in response to the generation request, the first funds management server freezes funds in an account of a first terminal user which are equal to the value of the bank credit certificate; the first funds management server generates the refund certificate which is equal in value to the bank credit certificate; the first terminal receives refund certificate information sent by the first funds management server. By the means, the return of transaction funds is implemented when a transaction fails, and neither of the parties of the transaction is required to provide account information of the other party.

Description

technical field [0001] The invention relates to the field of credit, in particular to an online fund management method, a data interaction processing method, a device and a system thereof. Background technique [0002] With the development of Internet technology, especially mobile Internet technology, users can use 2G, 3G, 4G or wifi to connect to the Internet through mobile devices to conduct transactions, social activities, etc. Through Internet technology, users can carry out online activities conveniently and effectively. This is an experience that cannot be compared offline. However, during the online transaction, if the transaction cannot be completed due to goods or other reasons, the paid funds need to be refunded. Therefore, it is necessary to provide an online-based transaction method, and to be able to return transaction funds when the transaction fails. [0003] Further, since users can realize data interaction in various ways through the Internet, it is necess...

Claims

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Application Information

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IPC IPC(8): G06Q20/40
CPCG06Q20/00G06Q20/407G06Q20/401
Inventor 张毅
Owner SHENZHEN CIFPAY NETWORK BANK TECH