CN103605469A - Data information interaction method and system - Google Patents
Data information interaction method and system Download PDFInfo
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- CN103605469A CN103605469A CN201310644174.7A CN201310644174A CN103605469A CN 103605469 A CN103605469 A CN 103605469A CN 201310644174 A CN201310644174 A CN 201310644174A CN 103605469 A CN103605469 A CN 103605469A
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Abstract
The invention discloses a data information interaction method and system. The method includes the steps that a first platform server used for allowing a first user and a second user to conduct information interaction transmits data information needing to be exchanged between the first user and the second user to a second platform server after it is determined that the first user needs to establish a data information exchange relation with the second user; when it is confirmed that the first user has exchange capacity after the second platform server receives the data information needing to be exchanged, the second user is instructed to start data information exchange; after the second platform server receives the instruction of the first user to start data information exchange, the data information needing to be exchanged of the first user is exchanged to the second user. By the adoption of the data information interaction method and system, due to the fact that only a necessary data information interaction link is reserved in the data information interaction scheme, the security and immediacy of data information interaction can be improved.
Description
Technical field
The present invention relates to technical field of data processing, relate in particular to a kind of data message exchange method and system.
Background technology
Along with the development of ecommerce, O2O(Online To Offline particularly) proposition of business model, increasing people selects shopping online, consumption online, therefore, build a safety standard efficiently Payment System there is earth shaking realistic meaning.People mainly adopt third party's payment platform to realize the fund flow between consumer and businessman at present.Fig. 1 is the transaction flow schematic diagram under O2O business model, as shown in Figure 1, in process of consumption, both parties conclude the transaction after purpose by online interaction platform, consumer places an order and payment for goods is transferred to its third party's payment account from its bank account, third party pays consumer's received payment information notice businessman, after businessman is notified, according to order, sends goods or service is provided, consumer notifies third party to pay after confirming to receive, third party pays payment for goods is put under in third party's payment account of businessman, businessman's its bank account of from its third party's payment account, fund being withdrawn deposit again.
But, in the current above-mentioned flow process of third party's modes of payments, exist following not enough:
1, consumer need to open third party's payment account, and the bank account information of oneself is associated with third party's payment account, has information security hidden danger, needs bank account capital to proceed to third party's payment account in process of consumption, produces inconvenience.
2, businessman is after consumer confirms to receive, and the payment for goods of receiving still rests in its third party's payment account, needs businessman to withdraw deposit and just can proceed to own bank account, has certain defect on ageing.
3, third party pays qualification, prestige and the safety problem of company self.Meanwhile, third party pays to lack the prestige of consumer and businessman is passed judgment on to basis, cannot before and after the event process for risk trade, lacks constraining force.
Summary of the invention
The embodiment of the present invention provides a kind of data message exchange method, and in order to mutual security and the instantaneity of data message improving, the method comprises:
For supplying first user and the second user to carry out the first Platform Server of information interaction, at definite first user, need set up after data information exchange relation with the second user, the data information transfer that first user and the second user need be exchanged is given the second Platform Server;
The second Platform Server, after receiving the data message that needs exchange, when confirming that first user possesses exchange capacity, indicates the second user to start to carry out data information exchange;
The second Platform Server starts to carry out after data information exchange receiving first user indication, by the data information exchange of the need exchange of first user to the second user.
In an embodiment, the second Platform Server confirms that first user possesses exchange capacity, is to determine according to the record in the database of storing subscriber information.
In an embodiment, the method further comprises:
When first user and the second user carry out information interaction, to first user and/or the second user, provide first user in database and/or the second user's record.
In an embodiment, the method further comprises:
The user who stores in database is classified, and the data information exchange mode of determining correspondence of all categories;
The second Platform Server, according to the classification under first user, is determined the exchanged form to the second user by the data information exchange of the need exchange of first user.
In an embodiment, the method further comprises:
According to first user and the second user's data information exchange situation first user and the second user's user profile in new database more.
The embodiment of the present invention also provides a kind of data message interactive system, and in order to mutual security and the instantaneity of data message improving, this system comprises:
The first Platform Server, for carrying out information interaction for first user and the second user, need set up after data information exchange relation with the second user at definite first user, and the data information transfer that first user and the second user need be exchanged is to the second Platform Server;
The second Platform Server, for after receiving the data message that needs exchange, when confirming that first user possesses exchange capacity, indicates the second user to start to carry out data information exchange; Start to carry out after data information exchange receiving first user indication, by the data information exchange of the need exchange of first user to the second user.
In an embodiment, this system further comprises:
Database, for storing subscriber information;
The second Platform Server is further used for possessing exchange capacity according to the registration confirmed first user in database.
In an embodiment, database is further used for when first user and the second user carry out information interaction, and first user in database and/or the second user's record is provided to first user and/or the second user.
In an embodiment, the user that database is further used for storing in database classifies, and the data information exchange mode of determining correspondence of all categories;
The second Platform Server is further used for according to the classification under first user, determines the exchanged form to the second user by the data information exchange of the need exchange of first user.
In an embodiment, database is further used for according to first user and the second user's data information exchange situation first user and the second user's user profile in new database more.
In the embodiment of the present invention, owing to only having retained the mutual link of necessary data message in this data message interaction schemes, thereby can be so that being improved in security and instantaneity alternately of data message.
Accompanying drawing explanation
In order to be illustrated more clearly in the embodiment of the present invention or technical scheme of the prior art, to the accompanying drawing of required use in embodiment or description of the Prior Art be briefly described below, apparently, accompanying drawing in the following describes is only some embodiments of the present invention, for those of ordinary skills, do not paying under the prerequisite of creative work, can also obtain according to these accompanying drawings other accompanying drawing.In the accompanying drawings:
Fig. 1 is the transaction flow schematic diagram under O2O business model of the prior art;
Fig. 2 is the data message exchange method implementing procedure schematic diagram in the embodiment of the present invention;
Fig. 3 is that online interaction platform, credit interchange and the transaction platform in the embodiment of the present invention is related to schematic diagram;
Fig. 4 is the top-tier customer transaction implementing procedure schematic diagram in the embodiment of the present invention;
Fig. 5 is the implementing procedure schematic diagram of concluding the business of the common customer in the embodiment of the present invention;
Fig. 6 is the data message interactive system structural representation in the embodiment of the present invention.
Embodiment
For making object, technical scheme and the advantage of the embodiment of the present invention clearer, below in conjunction with accompanying drawing, the embodiment of the present invention is described in further details.At this, schematic description and description of the present invention is used for explaining the present invention, but not as a limitation of the invention.
A kind of data message exchange method is provided in the embodiment of the present invention, can as payment system, use for bank etc., in this data message interactive system, only retained the mutual link of necessary data message, make being improved alternately of data message in safety and instantaneity, when as payment system, can solve the some defects that exist in existing third party's payment platform, realize consumer's carefree payment, the carefree gathering of businessman.Particularly, in whole process of exchange, consumer, without at third party's payment platform application personal account, does not more need own bank account capital to transfer to third party's account.Businessman need to be in third party's payment platform application account yet, and payment for goods directly enters in the bank account of businessman, when credit grade acquires a certain degree, can enjoy the service of goods arrival payment of getting final product when goods sends to obtain.
Be specifically described below.
Fig. 2 is data message exchange method implementing procedure schematic diagram, as shown in Figure 2, can comprise the steps:
In enforcement, the second Platform Server confirms that first user possesses exchange capacity, is to determine according to the record in the database of storing subscriber information.
In enforcement, can further include: when first user and the second user carry out information interaction, to first user and/or the second user, provide first user in database and/or the second user's record.
In enforcement, can further include:
The user who stores in database is classified, and the data information exchange mode of determining correspondence of all categories;
The second Platform Server, according to the classification under first user, is determined the exchanged form to the second user by the data information exchange of the need exchange of first user.
In enforcement, can further include:
According to first user and the second user's data information exchange situation first user and the second user's user profile in new database more.
For ease of understanding, with data message exchange method, the use-case in bank payment system describes below.
For understanding better, the physical surroundings that the database of the first Platform Server, the second Platform Server, storing subscriber information is formed is called carefree payment platform, the total three parts of carefree payment platform form: online interaction platform (i.e. the first Platform Server), credit interchange (being the database of storing subscriber information) and transaction platform (i.e. the second Platform Server).Wherein transaction platform is basis and core, directly determines the success or failure of payment, and the first user and the second user that wherein participate in implementing are respectively consumer and businessman.In example:
1, online interaction platform: the interaction platform of consumer and businessman; Businessman can issue all kinds of trade companies or information on services; Consumer submits purchase intention to, also carries out information interaction; And credit situation that can this trading object of on-line evaluation.
2, credit interchange: Credit Evaluation Model, differentiate trade company and consumer credit grade, also the user who stores in database is classified.In example, being categorized as in credit interchange defines three large credit grades: top-tier customer, common customer, risk client.
3, transaction platform: the core of whole payment system and main body, for receiving online interaction platform consumer's order and payment authorization information, also receive the data message that needs exchange; The payment mode that determines consumer according to the information of user in credit interchange, the gathering mode of businessman, is also data information exchange mode.Directly and businessman and consumer place financial institution mutual, realize the circulation of fund, complete whole payment process.
In data information exchange mode, can establish:
Consumer's payment mode has two kinds: carefree payment under guarantee and dealing money freeze to pay.Carefree payment under guarantee refers to that consumer's bank account capital is unchanged before submitting order to and receiving commodity.Freeze dealing money and refer to that consumer submits to after order, freezes the dealing money in its bank account.
The gathering mode of businessman has three kinds: arrive in real time account, quasi real time arrive account, T+1 is to account.In real time to account, refer to that businessman is by after cargo delivery consumer, payment for goods proceeds in businessman's bank account in real time.Quasi real time refer to after cargo delivery, after being confirmed by consumer, payment for goods proceeds to businessman's bank account.T+1 refers to that to account consumer acknowledges receipt of next day on commodity date.
Fig. 3 is online interaction platform, and credit interchange and transaction platform are related to schematic diagram, as shown in Figure 3, online interaction platform, credit interchange and transaction platform interdepend, and form a complete closed loop, jointly complete perfect payment network of personal connections.
1, the relation of online interaction platform and credit interchange, transaction platform:
Credit interchange: online interaction platform can read the credit information of trading object in credit interchange, for both parties' inquiry; Meanwhile, in process of exchange, both parties all can evaluate the other side's credit situation, and online interaction platform pushes to credit interchange by evaluation information.
Transaction platform: online interaction platform is synchronized to transaction platform by consumer's sequence information.
2, the relation of transaction platform and online interaction platform, credit interchange:
Online interaction platform: transaction platform is pushed to online interaction platform by transaction results, for trading object inquiry.
Credit interchange: transaction platform receives the credit information of client in credit interchange, determines consumer's payment mode and the gathering mode of businessman.When consumer is top-tier customer, adopt carefree payment under guarantee mode; While being common customer, adopting and freeze the dealing money modes of payments; While being risk client, refusal transaction.Businessman and consumer are all that account is arrived in the payment for goods of top-tier customer Shi， businessman in real time; When businessman is top-tier customer, account is quasi real time arrived in payment for goods; When businessman is common customer, payment for goods T+1 is to account.
Below the mode of in fact executing is illustrated.
Fig. 4 is top-tier customer transaction implementing procedure schematic diagram, as shown in Figure 4, comprises the steps:
Step 401, consumer be interaction platform issue demand information on the net, or businessman interaction platform publishing commodity or information on services on the net.In reciprocal process, online interaction platform can provide the other side's Transaction Information situation for consumer and businessman, and both parties can, according to mutual situation and credit situation, reach final purchase intention.
Step 402, consumer on the net interaction platform submit sequence information to.Online interaction platform can be synchronized to transaction platform by both parties' wish information, indirectly consumer's payment authorization information is sent to transaction platform.
Step 404, transaction platform send " shipping order " to businessman.
Step 405, businessman receives after notice, carries out goods delivery.
Step 406, consumer are subject to after goods, confirm to receive.
Step 407, transaction system receive consumer and receive after confirmation, can send payment authorization information to the financial institution at consumer place.To credit card issuer, require to withhold.
Step 408, the consumer place financial institution confirmation of withholing sends to transaction system.
Step 409, carefree payment platform carry out the allocation of the funds to place financial institution of businessman.So far, whole transaction agent completes.
In enforcement, credit interchange can also carry out assessment and analysis to once transaction situation, upgrades user's credit information; Both parties also on the net interaction platform this transaction is evaluated.
Fig. 5 is the common customer implementing procedure schematic diagram of concluding the business, and as shown in Figure 5, comprises the steps:
Step 501, consumer be interaction platform issue demand information on the net, or businessman interaction platform publishing commodity or information on services on the net.In reciprocal process, online interaction platform can provide the other side's Transaction Information situation for consumer and businessman, and both parties can, according to mutual situation and credit situation, reach final purchase intention.
Step 502, consumer on the net interaction platform submit sequence information to.Online interaction platform can be synchronized to transaction platform by both parties' wish information, indirectly consumer's payment authorization information is sent to transaction platform.
Step 504, carefree payment platform send " freezing of funds " request to the financial institution at consumer place.Freeze the fund that this exchange of consumer needs.
Step 505, consumer place financial institution will freeze confirmation and send to carefree payment platform.
Step 506, transaction platform send " shipping order " to businessman.
Step 507, businessman receives after notice, carries out goods delivery.
Step 508, consumer are subject to after goods, confirm to receive.
Step 509, transaction system receive consumer and receive after confirmation, can send payment authorization information to the financial institution at consumer place.To credit card issuer, require to withhold.
Step 510, the consumer place financial institution confirmation of withholing sends to transaction system.
Step 511, carefree payment platform carry out the allocation of the funds to place financial institution of businessman.So far, whole transaction agent completes.
In enforcement, credit interchange can also carry out assessment and analysis to once transaction situation, upgrades user's credit information; Both parties also on the net interaction platform this transaction is evaluated.
In the above-described embodiment, web interaction platform can adopt internet site when implementing, and also can adopt all kinds of immediate communication tools, and for example QQ ，MSNDeng， user businessman or consumption release news thereon.Credit interchange is mainly used in differentiating user's class information, and while specifically implementing, each financial institution can be according to the system interface defining in carefree payment platform, separately self-defined credit grade.
Based on same inventive concept, a kind of data message interactive system is also provided in the embodiment of the present invention, because the principle that this system is dealt with problems is similar to data message exchange method, so the enforcement of this system can, referring to the enforcement of corresponding method, repeat part and repeat no more.
Fig. 6 is data message interactive system structural representation, as shown in Figure 6, in system, can comprise:
The first Platform Server 601, for carrying out information interaction for first user and the second user, at definite first user, need set up after data information exchange relation with the second user, the data information transfer that first user and the second user need be exchanged is given the second Platform Server;
The second Platform Server 602, for after receiving the data message that needs exchange, when confirming that first user possesses exchange capacity, indicates the second user to start to carry out data information exchange; Start to carry out after data information exchange receiving first user indication, by the data information exchange of the need exchange of first user to the second user.
In an embodiment, can further include:
The second Platform Server further can be for possessing exchange capacity according to the registration confirmed first user in database.
In an embodiment, database can be further used for when first user and the second user carry out information interaction, and first user in database and/or the second user's record is provided to first user and/or the second user.
In an embodiment, the user that database can be further used for storing in database classifies, and the data information exchange mode of determining correspondence of all categories;
The second Platform Server can be further used for according to the classification under first user, determines the exchanged form to the second user by the data information exchange of the need exchange of first user.
In an embodiment, database can be further used for according to first user and the second user's data information exchange situation first user and the second user's user profile in new database more.
From the explanation of above-described embodiment, when technical scheme provided by the invention during as payment system, provides a kind of brand-new absolutely safe payment to experience for bank etc.In whole payment process, consumer's fund, without transferring in third party's payment account, has been eliminated all eggs and has all been placed on the hidden danger in this basket of third party, to consumer, provides more convenience.The credit grade system construction of consumer and businessman, is associated virtual trading credit record on line with credit system in reality.Utilize existing credit record to control both parties' fund flow mode, and the credit record that transaction results is produced is updated in real credit record.Easily find out, this scheme can become a kind of new single business model of online receipts, will bring great benefit to each side such as consumer, businessman and banks.
First, for consumers, simplify transaction flow, remove the restriction of essential third party's account, only need to have a bank card to follow one's bent and carry out consumption online; What is more important, in whole process of exchange, in the bank account in oneself, until receive after goods, there is capital transfer in individual bankroll, greatly guaranteed consumer's fund security in shopping process on the net always just now.
Secondly, for businessman, change payment for goods in the past and to account, depended on the mode of the third-party institution, more given up the worry to third party's qualification.Owing to there being bank to assure, can guarantee closing under the condition of rule the keeping accounts in time of payment for goods.
Finally, for bank, the development of single business and hair fastener business will be promoted to receive.Because carefree payment platform derives from the bank of deposit of ，Dang businessman of bank and consumer's Kai Ka bank, be that same Shi， bank can also provide better service, for example client is without blocked funds, trade company can be real-time goods arrival payment etc.This will promote more trade company and holder to enter bank.
Those skilled in the art should understand, embodiments of the invention can be provided as method, system or computer program.Therefore, the present invention can adopt complete hardware implementation example, implement software example or in conjunction with the form of the embodiment of software and hardware aspect completely.And the present invention can adopt the form that wherein includes the upper computer program of implementing of computer-usable storage medium (including but not limited to magnetic disk memory, CD-ROM, optical memory etc.) of computer usable program code one or more.
The present invention is with reference to describing according to process flow diagram and/or the block scheme of the method for the embodiment of the present invention, equipment (system) and computer program.Should understand can be in computer program instructions realization flow figure and/or block scheme each flow process and/or the flow process in square frame and process flow diagram and/or block scheme and/or the combination of square frame.Can provide these computer program instructions to the processor of multi-purpose computer, special purpose computer, Embedded Processor or other programmable data processing device to produce a machine, the instruction of carrying out by the processor of computing machine or other programmable data processing device is produced for realizing the device in the function of flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame appointments.
These computer program instructions also can be stored in energy vectoring computer or the computer-readable memory of other programmable data processing device with ad hoc fashion work, the instruction that makes to be stored in this computer-readable memory produces the manufacture that comprises command device, and this command device is realized the function of appointment in flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame.
These computer program instructions also can be loaded in computing machine or other programmable data processing device, make to carry out sequence of operations step to produce computer implemented processing on computing machine or other programmable devices, thereby the instruction of carrying out is provided for realizing the step of the function of appointment in flow process of process flow diagram or a plurality of flow process and/or square frame of block scheme or a plurality of square frame on computing machine or other programmable devices.
Above-described specific embodiment; object of the present invention, technical scheme and beneficial effect are further described; institute is understood that; the foregoing is only specific embodiments of the invention; the protection domain being not intended to limit the present invention; within the spirit and principles in the present invention all, any modification of making, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (10)
1. a data message exchange method, is characterized in that, the method comprises:
For supplying first user and the second user to carry out the first Platform Server of information interaction, at definite first user, need set up after data information exchange relation with the second user, the data information transfer that first user and the second user need be exchanged is given the second Platform Server;
The second Platform Server, after receiving the data message that needs exchange, when confirming that first user possesses exchange capacity, indicates the second user to start to carry out data information exchange;
The second Platform Server starts to carry out after data information exchange receiving first user indication, by the data information exchange of the need exchange of first user to the second user.
2. the method for claim 1, is characterized in that, the second Platform Server confirms that first user possesses exchange capacity, is to determine according to the record in the database of storing subscriber information.
3. method as claimed in claim 2, is characterized in that, further comprises:
When first user and the second user carry out information interaction, to first user and/or the second user, provide first user in database and/or the second user's record.
4. method as claimed in claim 2, is characterized in that, further comprises:
The user who stores in database is classified, and the data information exchange mode of determining correspondence of all categories;
The second Platform Server, according to the classification under first user, is determined the exchanged form to the second user by the data information exchange of the need exchange of first user.
5. the method as described in as arbitrary in claim 1 to 4, is characterized in that, further comprises:
According to first user and the second user's data information exchange situation first user and the second user's user profile in new database more.
6. a data message interactive system, is characterized in that, comprising:
The first Platform Server, for carrying out information interaction for first user and the second user, need set up after data information exchange relation with the second user at definite first user, and the data information transfer that first user and the second user need be exchanged is to the second Platform Server;
The second Platform Server, for after receiving the data message that needs exchange, when confirming that first user possesses exchange capacity, indicates the second user to start to carry out data information exchange; Start to carry out after data information exchange receiving first user indication, by the data information exchange of the need exchange of first user to the second user.
7. system as claimed in claim 6, is characterized in that, further comprises:
Database, for storing subscriber information;
The second Platform Server is further used for possessing exchange capacity according to the registration confirmed first user in database.
8. system as claimed in claim 7, is characterized in that, database is further used for when first user and the second user carry out information interaction, and first user in database and/or the second user's record is provided to first user and/or the second user.
9. system as claimed in claim 7, is characterized in that, the user that database is further used for storing in database classifies, and the data information exchange mode of determining correspondence of all categories;
The second Platform Server is further used for according to the classification under first user, determines the exchanged form to the second user by the data information exchange of the need exchange of first user.
10. the system as described in as arbitrary in claim 6 to 9, is characterized in that, database is further used for according to first user and the second user's data information exchange situation first user and the second user's user profile in new database more.
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