CN104917738A - Finance platform data processing method and system - Google Patents
Finance platform data processing method and system Download PDFInfo
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- CN104917738A CN104917738A CN201410096222.8A CN201410096222A CN104917738A CN 104917738 A CN104917738 A CN 104917738A CN 201410096222 A CN201410096222 A CN 201410096222A CN 104917738 A CN104917738 A CN 104917738A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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- E—FIXED CONSTRUCTIONS
- E05—LOCKS; KEYS; WINDOW OR DOOR FITTINGS; SAFES
- E05G—SAFES OR STRONG-ROOMS FOR VALUABLES; BANK PROTECTION DEVICES; SAFETY TRANSACTION PARTITIONS
- E05G7/00—Safety transaction partitions, e.g. movable pay-plates; Bank drive-up windows
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/70—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
- G06F21/78—Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer to assure secure storage of data
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/02—Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]
Abstract
The invention provides a finance platform data processing method. The method comprises the following steps: a finance platform of a first party generates protocol information and/or capital detail information according to a capital request initiated by a terminal of a second party, and stores the protocol information and/or the capital detail information; the finance platform generates a copy of the protocol information and/or a copy of the capital detail information and sends the generated copies to a notarization platform of a third party; and the notarization platform obtains the copies stores the copies and provides a query interface of the stored copies. According to the finance platform data processing method, a user can search the copy of the protocol information and/or the copy of the capital detail information at any time through the query interface provided by the notarization platform, and makes a comparison with the protocol information and/or capital detail information stored on the finance platform to prevent the protocol information and/or capital detail information from being modified maliciously. The invention also provides a finance platform data processing system.
Description
Technical field
The present invention relates to the Internet technical field of financial safety, particularly relate to a kind of financial platform data processing method and system.
Background technology
The fast development in recent years of the Internet finance, in the ascendant, there is various financial platform.Internet technology is applied to financial field by this kind of financial platform, is medium with the Internet, utilizes the known property of the Internet to attract fund to invest miscellaneous service or project from the public, and this participates in national economic development to promotion non-governmental capital and has quite positive effect.
But, due to the Internet finance Fang Xing soon, the various financial platform occurred at present are very different, and supervision disappearance, exists potential safety hazard.The electronic protocol information that such as financial platform produces and fund managing detailed catalogue are stored in financial platform, if manager's malice of these financial platform closes platform, or the content of malicious modification electronic protocol information, or financial platform suffers assault to cause data to be lost etc., this all will cause the user using this financial platform to take a bath, if and be modified due to electronic protocol information, be also difficult to safeguard self legitimate rights and interests by legal means.
Summary of the invention
Based on this, be necessary to be stored in for the electronic protocol information that above-mentioned financial platform produces and fund managing detailed catalogue technical problem financial platform existing potential safety hazard, a kind of financial platform data processing method and system are provided.
A kind of financial platform data processing method, described method comprises:
The funds request that the financial platform of first party is initiated according to the terminal of second party generates protocol information and/or fund managing detailed catalogue, and stores described protocol information and/or fund managing detailed catalogue;
Described financial platform generates the copy of described protocol information and/or fund managing detailed catalogue, and the copy of described generation is sent to third-party notarization platform;
Described notarization platform obtains described copy, stores described copy, and provides the query interface of the copy to described storage.
A kind of financial platform data handling system, described system comprises: the financial platform of first party and third-party notarization platform;
Described financial platform, generates protocol information and/or fund managing detailed catalogue for the funds request of initiating according to the terminal of second party, and stores described protocol information and/or fund managing detailed catalogue;
Described financial platform, also for generating the copy of described protocol information and/or fund managing detailed catalogue, and sends to described notarization platform by the copy of described generation;
Described notarization platform, for obtaining described copy, stores described copy, and provides the query interface of the copy to described storage.
Above-mentioned financial platform data processing method and system, first the terminal of second party initiates funds request, and the financial platform of first party generates and stores protocol information and/or fund managing detailed catalogue according to this funds request.Then financial platform generates the copy of protocol information and/or fund managing detailed catalogue, and this copy is sent to third-party notarization platform.Notarization platform stores the copy that financial platform sends, and provides the query interface of the copy to this storage.Such notarization platform is that third party provides, and effectively can avoid the independent stored protocol information of the financial platform of first party and/or fund managing detailed catalogue and the potential safety hazard existed.And the copy of user's query interface that can be provided by notarization platform vlan query protocol VLAN information and/or fund managing detailed catalogue at any time, and compare with the protocol information that stores in financial platform and/or fund managing detailed catalogue, to prevent protocol information and/or fund managing detailed catalogue by malicious modification.
Accompanying drawing explanation
Fig. 1 is the schematic flow sheet of financial platform data processing method in an embodiment;
Fig. 2 is the structure chart of financial platform data handling system in an embodiment;
Fig. 3 is the structure chart of financial platform data handling system in another embodiment.
Embodiment
In order to make object of the present invention, technical scheme and advantage clearly understand, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein only in order to explain the present invention, be not intended to limit the present invention.
As shown in Figure 1, in one embodiment, provide a kind of financial platform data processing method, the method comprises the following steps:
Step 102, the funds request that the financial platform of first party is initiated according to the terminal of second party generates protocol information and/or fund managing detailed catalogue, and stored protocol information and/or fund managing detailed catalogue.
In the present embodiment, first party refers to provides financial platform, to provide a side of the Internet financial service; Second party refers to the side using the Internet financial service, and can be natural person, also can be investment institution.Financial platform, can be P2P(Peer to Peer, individual is to individual) net borrows platform, P2P equity investment platform, the Internet project investment platform, directed fund platform, risk investment platform, local financing platform, financing platform, personalized lending platform etc., or can also be the combination of segmentation pattern mutation or more various ways of above various platform.
The terminal of second party can be the terminal arbitrarily with connecting Internet function, and in one embodiment, the terminal of second party is computer, mobile phone, panel computer, television set, intelligent box, Set Top Box or solid (3D) imaging device.Intelligence box refers to the device that can be connected to realize with display unit the function of intelligent television.
The Internet financial service of user by having used first party to provide since various terminal utilizable in daily life, and the Internet financial service that first party provides is supervised.
Funds request refers to the request relevant to fund, represents the various operation requests of the increase to fund, minimizing and transfer.The terminal of second party can be supplemented event, investment operation event or fund event etc. of withdrawing deposit with money by detection fund and be triggered corresponding funds request.
Protocol information is the information that first party and second party are arranged about the banking operation occurred in financial platform, comprises investment target item specific, investment cycle, agreement income, investment risk information, investment amount etc.Fund managing detailed catalogue refers to that the increase of the fund of user in financial platform, minimizing and transfer equal the relevant detailed information of fund variation.Store after the financial platform generation protocol information of first party and/or fund managing detailed catalogue, obtain when needed with standby user.
In one embodiment, also comprise the user ID of second party in funds request, then the step of stored protocol information and/or fund managing detailed catalogue comprises: by the user ID of second party and protocol information and/or fund managing detailed catalogue corresponding stored.The user ID of second party can be made up of any character, the registration interface that second party can be provided by financial platform in advance carries out registering the user ID obtaining second party, financial platform can when second party uses the Internet financial service the user ID of stochastic generation second party.
Step 104, financial platform generates the copy of protocol information and/or fund managing detailed catalogue, and the copy of generation is sent to third-party notarization platform.
Third party is the side being different from first party and second party, and third party is a side with public credibility, and can be that government sponsors or the side for judicial expertise of certification, also can be that independent platform gets involved the side sponsored jointly in many ways.Notarization platform is used for notarizing to the copy that second party provides.
Financial platform generates protocol information and/or fund managing detailed catalogue and stores, the protocol information of this storage and/or fund managing detailed catalogue are generated the copy of protocol information and/or fund managing detailed catalogue as original, the content of this copy and original is completely the same, finally the copy of this generation is sent to third-party notarization platform.Financial platform initiatively can generate the copy of protocol information and/or fund managing detailed catalogue, and the copy of generation is sent to third-party notarization platform; Or financial platform can answer the copy of third-party notarization platform to obtain request, generates the copy of protocol information and/or fund managing detailed catalogue, and the copy of generation is sent to third-party notarization platform.
In one embodiment, financial platform can will send to third-party notarization platform after the duplicate cryptographic of generation.Can ensure so maliciously not stolen in the process of transfer copies, distort.The encrypting module that financial platform can call third party to be provided sends to third-party notarization platform to after the duplicate cryptographic generated.Can ensure that first party cannot know cipher mode like this, avoid protocol information and/or fund managing detailed catalogue to be tampered to a certain extent.
In one embodiment, the first notarization request that financial platform can be initiated according to the terminal of second party, generates the copy of protocol information and/or fund managing detailed catalogue, and the copy of generation is sent to third-party notarization platform.
In one embodiment, the second notarization request that financial platform can be initiated according to the terminal of second party, generates the copy of protocol information and/or fund managing detailed catalogue, and the copy of generation is sent to one or more third-party notarization platform.
In one embodiment, the 3rd notarization request that financial platform can be initiated according to the terminal of second party, generates the copy of protocol information and/or fund managing detailed catalogue, and the copy of generation is sent to the third-party notarization platform of specifying in the 3rd notarization request.
In one embodiment, the 4th notarization request that financial platform can be initiated according to the terminal of second party, generate the copy of the partial content of protocol information and/or the fund managing detailed catalogue of specifying in the 4th notarization request, and the copy of generation is sent to third-party notarization platform.
Step 106, notarization platform obtains copy, stored copies, and provides the query interface to the copy stored.
Notarization platform, after the copy receiving protocol information and/or fund managing detailed catalogue, stores this copy, and provides the query interface of the copy to this storage.The query interface that the terminal of second party can be provided by third-party notarization platform inquires about this copy, and compare with the protocol information that stores in financial platform and/or fund managing detailed catalogue, to prevent protocol information and/or fund managing detailed catalogue by malicious modification.
Above-mentioned financial platform data processing method, first the terminal of second party initiates funds request, and the financial platform of first party generates and stores protocol information and/or fund managing detailed catalogue according to this funds request.Then financial platform generates the copy of protocol information and/or fund managing detailed catalogue, and this copy is sent to third-party notarization platform.Notarization platform stores the copy that financial platform sends, and provides the query interface of the copy to this storage.Such notarization platform is that third party provides, and effectively can avoid the independent stored protocol information of the financial platform of first party and/or fund managing detailed catalogue and the potential safety hazard existed.And the copy of user's query interface that can be provided by notarization platform vlan query protocol VLAN information and/or fund managing detailed catalogue at any time, and compare with the protocol information that stores in financial platform and/or fund managing detailed catalogue, to prevent protocol information and/or fund managing detailed catalogue by malicious modification.
In one embodiment, the method also comprises: financial platform provides the query interface of the original to protocol information and/or fund managing detailed catalogue; Notarization platform obtains the content of original by query interface, and original content is compared with copy content, when inconsistent, send indicating risk.
Particularly, financial platform provides the query interface to original, and second party or third party can be inquired about by the content of this query interface to original.Notarization platform is after the copy receiving financial platform transmission also stores, the query interface to original provided by financial platform obtains original content, thus original content and copy content are compared, terminal then to second party when inconsistent sends indicating risk, notices that the content of protocol information and/or fund managing detailed catalogue is tampered to remind second party.Even if notarization platform can send indicating risk by the E-mail address preset or phone number or communication user mark to the terminal of second party.
In the present embodiment, notarization platform, by original and copy being compared, sends indicating risk when inconsistent, sends to notarization platform after distorting copy content to prevent financial platform again, ensures the correctness of notarization platform notarization content.
In one embodiment, the quantity of notarization platform is multiple.This financial platform data processing method also comprises: multiple notarization platforms exchange the copy of storage each other, and compares exchanging the copy obtained with the local copy stored, when inconsistent, send indicating risk.
Financial platform have sent copy to multiple notarization platform, makes the copy multiple notarization platform all storing protocol information and/or fund managing detailed catalogue.The copy of storage can be exchanged each other between multiple notarization platform, wherein exchange copy and refer to the copy that each notarization copy of platform this locality stores, and the copy copied being sent to nonself notarization platform in multiple notarization platform, each like this notarization platform can receive the copy that other each notarization platform sends.
The copy that the copy and this notarization platform this locality that exchange acquisition store compares by each notarization platform, and the terminal then to second party when inconsistent sends indicating risk, notices that the content of protocol information and/or fund managing detailed catalogue is tampered to remind second party.Even if notarization platform can send indicating risk by the E-mail address preset or phone number or communication user mark to the terminal of second party.
In the present embodiment, easily cause losing the problem of notarization ability because of fault for overcoming single notarization platform, financial platform sends the copy of protocol information and/or fund managing detailed catalogue to multiple notarization platform and stores, even if single notarization platform breaks down and also there are other notarization platforms and notarize, notarization ability can not be lost.And carry out checking of the copy that multiple notarization platform stores by exchanging copy between multiple notarization platform, to ensure the consistency of the copy that each notarization platform stores, when inconsistent, indicating risk can be sent to the terminal of second party, notice that to remind second party the content of protocol information and/or fund managing detailed catalogue is tampered.
In one embodiment, this financial platform data processing method also comprises: the every Preset Time point of financial platform, or every prefixed time interval, or when the variation of described protocol information and/or fund managing detailed catalogue being detected, or according to the backup request that the terminal of second party sends, more new funds managing detailed catalogue, and the copy sending the fund managing detailed catalogue upgraded to notarization platform, make the copy of notarization platform storage update.
The investment behavior of the Internet finance can cause the frequent variation of fund, and the fund of user even can occur repeatedly to change within one day, and therefore financial platform can every Preset Time point, such as every afternoon five point; Or every prefixed time interval, such as every 12 hours or week about; Or when the variation of protocol information and/or fund managing detailed catalogue be detected, the amendment etc. of the increase of such as fund or minimizing, protocol information; Or after the backup request that the terminal receiving second party sends, according to this backup request more new funds managing detailed catalogue, generate the copy of the fund managing detailed catalogue upgraded, and send the copy of the fund managing detailed catalogue upgraded to notarization platform, make the copy of notarization platform storage update.Notarization platform can cover the copy of the local fund managing detailed catalogue stored with the copy of the fund managing detailed catalogue upgraded, or the copy of the fund managing detailed catalogue at every turn received can be stored respectively.
In one embodiment, notarization platform obtains the copy upgraded, and is associated by the copy of renewal and stores with the copy stored, and provides the query interface to the copy upgraded.
In the present embodiment, after notarization platform receives the copy of renewal at every turn, the copy of renewal be associated with the copy stored and store, copy all association store that such notarization platform receives at every turn, forming continuous print historical data.The terminal of second party by the copy of this query interface inquiry renewal, thus can be checked historical data, forms the notarization continued to whole investment process.
In one embodiment, this financial platform data processing method also comprises step 11) ~ step 12):
Step 11), the circumstantial evidence request that the terminal that notarization platform receives second party sends, circumstantial evidence request comprises the user ID in four directions.
The notarization service that third-party notarization platform provides can ensure the confidence level of notarizing in a degree, but still there is first party and third party gangs up or by the possibility of coercing.Therefore, in the present embodiment, introduce the concept of circumstantial evidence, introduce four directions and come further to notarize as circumstantial evidence.The user ID in four directions is provided by second party, and second party can increase public trust and the reliability of this notarization by providing the user ID in four directions trusty as circumstantial evidence.
Wherein the user ID in four directions can be one or more user ID that notarization platform is registered, and can be natural person, the user ID registered on this notarization platform of investment institution, appraisal organization, other financial platform.The user ID in four directions can also be the platform identification corresponding to other notarization platform except this notarization platform.The user ID in four directions can also be the E-mail address account that second party provides.The user ID in four directions can also be the platform identification of another one independently financial platform.With reference to the financial platform data handling system in figure 2, Fig. 2, using other notarization platform as circumstantial evidence to notarize.
In one embodiment, step 11) can replace with: notarization platform obtains presets circumstantial evidence configuration information, and described circumstantial evidence configuration information comprises the user ID in four directions.
First party, second party or third party can pre-configured circumstantial evidence configuration informations, and directly obtain default circumstantial evidence configuration information when needing, this circumstantial evidence configuration information comprises the user ID in four directions.
Step 12), the copy that notarization platform stores on the terminal transmission notarization platform in four directions according to the user ID in four directions.
The user ID in the four directions that notarization platform provides according to second party, the terminal to four directions sends the copy that notarization platform stores, thus makes the notarization of four directions participation to copy, increases public trust and the reliability of notarization process.
In one embodiment, this financial platform data processing method also comprises: the copy of generation is sent to the terminal of second party by financial platform according to predetermined manner.And/or the copy that this locality stores is sent to the terminal of second party by notarization platform according to predetermined manner.
Predetermined manner can be Email, short postal, voice, image, video, 3D scanning, micro-letter or note etc.In the present embodiment, second party self can store the copy of a protocol information and/or fund managing detailed catalogue, two to send out or the information of tripartite is checked can be carried out when needed, notarization platform fault when being used alone notarization platform if prevent and the disabled risk of notarization that causes.
As shown in Figure 3, in one embodiment, provide a kind of financial platform data handling system 300, this system 300 comprises: the financial platform 302 of first party and third-party notarization platform 304.
Financial platform 302, generates protocol information and/or fund managing detailed catalogue for the funds request of initiating according to the terminal of second party, and stored protocol information and/or fund managing detailed catalogue.
In one embodiment, also comprise the user ID of second party in funds request, then financial platform 302 is also for by the user ID of second party and protocol information and/or fund managing detailed catalogue corresponding stored.The user ID of second party can be made up of any character, the registration interface that second party can be provided by financial platform 302 in advance carries out registering the user ID obtaining second party, and financial platform 302 may be used for the user ID of the stochastic generation second party when second party uses the Internet financial service.
Financial platform 302, also for generating the copy of protocol information and/or fund managing detailed catalogue, and sends to notarization platform 304 by the copy of generation.
Third party is the side being different from first party and second party, and third party is a side with public credibility, and can be that government sponsors or the side for judicial expertise of certification, also can be that independent platform gets involved the side sponsored jointly in many ways.Notarization platform 304 is notarized for the copy provided second party.
Financial platform 302 is for generating protocol information and/or fund managing detailed catalogue and storing, the protocol information of this storage and/or fund managing detailed catalogue are generated the copy of protocol information and/or fund managing detailed catalogue as original, the content of this copy and original is completely the same, and last financial platform 302 is for sending to third-party notarization platform 304 by the copy of this generation.Financial platform 302 may be used for the copy initiatively generating protocol information and/or fund managing detailed catalogue, and the copy of generation is sent to third-party notarization platform 304; Or financial platform 302 may be used for answering the copy of third-party notarization platform 304 to obtain request, generates the copy of protocol information and/or fund managing detailed catalogue, and the copy of generation is sent to third-party notarization platform 304.
In one embodiment, third-party notarization platform 304 is sent to after the duplicate cryptographic that financial platform 302 may be used for generation.Can ensure so maliciously not stolen in the process of transfer copies, distort.The encrypting module that financial platform 302 may be used for calling third party and provides sends to third-party notarization platform 304 to after the duplicate cryptographic generated.Can ensure that first party cannot know cipher mode like this, avoid protocol information and/or fund managing detailed catalogue to be tampered to a certain extent.
In one embodiment, financial platform 302 may be used for the first notarization request initiated according to the terminal of second party, generates the copy of protocol information and/or fund managing detailed catalogue, and the copy of generation is sent to third-party notarization platform 304.
In one embodiment, financial platform 302 may be used for the second notarization request initiated according to the terminal of second party, generates the copy of protocol information and/or fund managing detailed catalogue, and the copy of generation is sent to one or more third-party notarization platform 304.
In one embodiment, financial platform 302 may be used for the 3rd notarization request initiated according to the terminal of second party, generate the copy of protocol information and/or fund managing detailed catalogue, and the copy of generation is sent to the third-party notarization platform 304 of specifying in the 3rd notarization request.
In one embodiment, financial platform 302 may be used for the 4th notarization request initiated according to the terminal of second party, generate the copy of the partial content of protocol information and/or the fund managing detailed catalogue of specifying in the 4th notarization request, and the copy of generation is sent to third-party notarization platform 304.
Notarization platform 304, for obtaining copy, stored copies, and the query interface to the copy stored is provided.
Notarization platform 304, for after the copy receiving protocol information and/or fund managing detailed catalogue, stores this copy, and for providing the query interface of the copy to this storage.The query interface that the terminal of second party can be provided by third-party notarization platform 304 inquires about this copy, and compare with the protocol information that stores in financial platform 302 and/or fund managing detailed catalogue, to prevent protocol information and/or fund managing detailed catalogue by malicious modification.
Above-mentioned financial platform data handling system 300, first the terminal of second party is for initiating funds request, and the financial platform 302 of first party is for generating and storing protocol information and/or fund managing detailed catalogue according to this funds request.Then financial platform 302 is for generating the copy of protocol information and/or fund managing detailed catalogue, and this copy is sent to third-party notarization platform 304.The copy that notarization platform 304 sends for storing financial platform 302, and the query interface that the copy to this storage is provided.Such notarization platform 304 is that third party provides, and effectively can avoid the financial platform 302 of first party separately stored protocol information and/or fund managing detailed catalogue and the potential safety hazard that exists.And the copy of user's query interface that can be provided by notarization platform 304 vlan query protocol VLAN information and/or fund managing detailed catalogue at any time, and compare with the protocol information that stores in financial platform 302 and/or fund managing detailed catalogue, to prevent protocol information and/or fund managing detailed catalogue by malicious modification.
In one embodiment, financial platform 302 is also for providing the query interface of the original to protocol information and/or fund managing detailed catalogue; Original content also for being obtained the content of original by query interface, and is compared with copy content by notarization platform 304, when inconsistent, send indicating risk.
Particularly, financial platform 302 is for providing the query interface to original, and second party or third party can be inquired about by the content of this query interface to original.Notarization platform 304 for receive financial platform 302 send copy and store after, the query interface to original that can be used for being provided by financial platform 302 obtains original content, thus original content and copy content are compared, when inconsistent, then send indicating risk for the terminal to second party, notice that to remind second party the content of protocol information and/or fund managing detailed catalogue is tampered.Even if notarization platform 304 may be used for E-mail address by presetting or phone number or communication user mark send indicating risk to the terminal of second party.
In the present embodiment, notarization platform 304, by original and copy being compared, sends indicating risk when inconsistent, sends to notarization platform 304 after distorting copy content to prevent financial platform 302 again, ensures the correctness of notarization platform 304 notarization content.
In one embodiment, the quantity of notarization platform 304 is multiple.Multiple notarization platform 304 for exchanging the copy of storage each other, and is compared exchanging the copy obtained with the local copy stored, when inconsistent, send indicating risk.
Financial platform 302, for have sent copy to multiple notarization platform 304, makes the copy multiple notarization platform 304 all storing protocol information and/or fund managing detailed catalogue.Multiple notarization platform 304 is used in the copy exchanging storage each other, wherein exchange copy and refer to that each notarization platform 304 copies the local copy stored, and the copy copied is sent to nonself notarization platform 304 in multiple notarization platform 304, the copy that each like this notarization platform 304 sends for receiving other each notarization platform 304.
Each notarization platform 304 compares for the copy copy and this notarization platform 304 this locality that exchange acquisition stored, terminal then to second party when inconsistent sends indicating risk, notices that the content of protocol information and/or fund managing detailed catalogue is tampered to remind second party.Even if notarization platform 304 may be used for E-mail address by presetting or phone number or communication user mark send indicating risk to the terminal of second party.
In the present embodiment, easily cause losing the problem of notarization ability because of fault for overcoming single notarization platform 304, financial platform 302 sends the copy of protocol information and/or fund managing detailed catalogue to multiple notarization platform 304 and stores, even if single notarization platform 304 breaks down and also there are other notarization platforms 304 and notarize, notarization ability can not be lost.And carry out checking of the copy that multiple notarization platform 304 stores by exchanging copy between multiple notarization platform 304, to ensure the consistency of the copy that each notarization platform 304 stores, when inconsistent, indicating risk can be sent to the terminal of second party, notice that to remind second party the content of protocol information and/or fund managing detailed catalogue is tampered.
In one embodiment, financial platform 302 is for every Preset Time point, or every prefixed time interval, or when the variation of described protocol information and/or fund managing detailed catalogue being detected, or according to the backup request that the terminal of second party sends, more new funds managing detailed catalogue, and the copy sending the fund managing detailed catalogue upgraded to notarization platform 304, make the copy of notarization platform 304 storage update.
The investment behavior of the Internet finance can cause the frequent variation of fund, and the fund of user even can occur repeatedly to change within one day, and therefore financial platform 302 can every Preset Time point, such as every afternoon five point; Or every prefixed time interval, such as every 12 hours or week about; Or when the variation of protocol information and/or fund managing detailed catalogue be detected, the amendment etc. of the increase of such as fund or minimizing, protocol information; Or after the backup request that the terminal receiving second party sends, according to this backup request more new funds managing detailed catalogue, generate the copy of the fund managing detailed catalogue upgraded, and send the copy of the fund managing detailed catalogue upgraded to notarization platform 304, make the copy of notarization platform 304 storage update.Notarization platform 304 may be used for using the copy of the fund managing detailed catalogue upgraded to cover the copy of the local fund managing detailed catalogue stored, or may be used for the copy of the fund managing detailed catalogue at every turn received to store respectively.
In one embodiment, the copy of renewal, for obtaining the copy of renewal, is associated with the copy stored and stores by notarization platform 304, and provides the query interface to the copy upgraded.
In the present embodiment, notarization platform 304 for receive renewal at every turn copy after, the copy of renewal be associated with the copy stored and store, copy all association store that such notarization platform 304 receives at every turn, forming continuous print historical data.The terminal of second party by the copy of this query interface inquiry renewal, thus can be checked historical data, forms the notarization continued to whole investment process.
In one embodiment, the circumstantial evidence request that notarization platform 304 sends for the terminal receiving second party, circumstantial evidence request comprises the user ID in four directions; The copy of notarization platform 304 for storing on the terminal transmission notarization platform 304 in four directions according to the user ID in four directions.
Wherein the user ID in four directions can be one or more user ID of registration on notarization platform 304, can be the user ID that natural person, investment institution, appraisal organization, other financial platform are registered on this notarization platform 304.The user ID in four directions can also be the platform identification corresponding to other notarization platform except this notarization platform 304.The user ID in four directions can also be the E-mail address account that second party provides.The user ID in four directions can also be the platform identification of another one independently financial platform.
The user ID in four directions of notarization platform 304 for providing according to second party, the terminal to four directions sends the copy that notarization platform 304 stores, thus the notarization making four directions participate in copy, increase public trust and the reliability of this notarization.
In one embodiment, notarization platform 304 is for obtaining default circumstantial evidence configuration information, and described circumstantial evidence configuration information comprises the user ID in four directions; The copy of notarization platform 304 for storing on the terminal transmission notarization platform 304 in four directions according to the user ID in four directions.
First party, second party or third party can pre-configured circumstantial evidence configuration informations, and directly obtain default circumstantial evidence configuration information when needing, this circumstantial evidence configuration information comprises the user ID in four directions.
In one embodiment, financial platform 302 is for sending to the terminal of second party by the copy of generation according to predetermined manner.And/or notarization platform 304 is for sending to the terminal of second party by the copy that this locality stores according to predetermined manner.
Predetermined manner can be Email, short postal, voice, image, video, 3D scanning, micro-letter or note etc.In the present embodiment, second party self can store the copy of a protocol information and/or fund managing detailed catalogue, two to send out or the information of tripartite is checked can be carried out when needed, notarization platform 304 fault when being used alone notarization platform 304 if prevent and the disabled risk of notarization that causes.
The above embodiment only have expressed several execution mode of the present invention, and it describes comparatively concrete and detailed, but therefore can not be interpreted as the restriction to the scope of the claims of the present invention.It should be pointed out that for the person of ordinary skill of the art, without departing from the inventive concept of the premise, can also make some distortion and improvement, these all belong to protection scope of the present invention.Therefore, the protection range of patent of the present invention should be as the criterion with claims.
Claims (10)
1. a financial platform data processing method, described method comprises:
The funds request that the financial platform of first party is initiated according to the terminal of second party generates protocol information and/or fund managing detailed catalogue, and stores described protocol information and/or fund managing detailed catalogue;
Described financial platform generates the copy of described protocol information and/or fund managing detailed catalogue, and the copy of described generation is sent to third-party notarization platform;
Described notarization platform obtains described copy, stores described copy, and provides the query interface of the copy to described storage.
2. method according to claim 1, is characterized in that, the quantity of described notarization platform is multiple; Described method also comprises:
Multiple described notarization platforms exchange the copy of storage each other, and compare exchanging the copy obtained with the local copy stored, when inconsistent, send indicating risk.
3. method according to claim 1, is characterized in that, described method also comprises:
The every Preset Time point of described financial platform, or every prefixed time interval, or when the variation of described protocol information and/or fund managing detailed catalogue being detected, or according to the backup request that the terminal of described second party sends, upgrade described fund managing detailed catalogue, and the copy of the fund managing detailed catalogue upgraded is sent to described notarization platform, make described notarization platform store the copy of described renewal.
4. method according to claim 3, is characterized in that, described method comprises:
Described notarization platform obtains the copy of described renewal, is associated by the copy of described renewal and stores, and provide the query interface of the copy to described renewal with the copy stored.
5. method according to claim 1, is characterized in that, described method also comprises:
The circumstantial evidence request that the terminal that described notarization platform receives described second party sends, described circumstantial evidence request comprises the user ID in four directions; Described notarization platform sends the copy of described storage to the terminal in four directions according to the user ID in described four directions; Or,
Described notarization platform obtains presets circumstantial evidence configuration information, and described circumstantial evidence configuration information comprises the user ID in four directions; Described notarization platform sends the copy of described storage to the terminal in four directions according to the user ID in described four directions.
6. method according to claim 1, is characterized in that, described method also comprises:
The copy of described generation is sent to the terminal of second party by described financial platform according to predetermined manner; And/or,
The copy that this locality stores is sent to the terminal of second party by described notarization platform according to predetermined manner.
7. method according to claim 1, is characterized in that, the terminal of described second party is computer, mobile phone, panel computer, television set, intelligent box, Set Top Box or stereoscopic imaging apparatus.
8. a financial platform data handling system, is characterized in that, described system comprises: the financial platform of first party and third-party notarization platform;
Described financial platform, generates protocol information and/or fund managing detailed catalogue for the funds request of initiating according to the terminal of second party, and stores described protocol information and/or fund managing detailed catalogue;
Described financial platform, also for generating the copy of described protocol information and/or fund managing detailed catalogue, and sends to described notarization platform by the copy of described generation;
Described notarization platform, for obtaining described copy, stores described copy, and provides the query interface of the copy to described storage.
9. system according to claim 8, is characterized in that, the quantity of described notarization platform is multiple; Multiple described notarization platform also for exchanging the copy of storage each other, and is compared exchanging the copy obtained with the local copy stored, when inconsistent, send indicating risk.
10. system according to claim 8, it is characterized in that, described financial platform is also for upgrading described fund managing detailed catalogue, every Preset Time point, or every prefixed time interval, or when the variation of described protocol information and/or fund managing detailed catalogue being detected, or according to the backup request that the terminal of described second party sends, send the copy of the fund managing detailed catalogue upgraded to described notarization platform, make described notarization platform store the copy of described renewal.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410096222.8A CN104917738B (en) | 2014-03-14 | 2014-03-14 | Financial platform data processing method and system |
| PCT/CN2014/084919 WO2015135293A1 (en) | 2014-03-14 | 2014-08-21 | Financial platform data notarization method and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410096222.8A CN104917738B (en) | 2014-03-14 | 2014-03-14 | Financial platform data processing method and system |
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| CN104917738A true CN104917738A (en) | 2015-09-16 |
| CN104917738B CN104917738B (en) | 2018-03-16 |
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| CN201410096222.8A Expired - Fee Related CN104917738B (en) | 2014-03-14 | 2014-03-14 | Financial platform data processing method and system |
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| CN (1) | CN104917738B (en) |
| WO (1) | WO2015135293A1 (en) |
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| CN104917738B (en) | 2018-03-16 |
| WO2015135293A1 (en) | 2015-09-17 |
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