Note: Descriptions are shown in the official language in which they were submitted.
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Lending Method, and Data Interaction Processing Method, Device And
System
[1] [Technical Field]
[2] The present invention relates to the field of credit, and in
particular, to a borrowing method,
data interaction processing method, device and system.
[3] [Background Technology]
[4] With the 2G / 3G and even the 4G era is coming, as well as the
widespread of WiFi
hotspot, it marks the advent of the era of big data today. All the user's
daily behaviour can
theoretically achieve processing a variety of data by means of the network
constructed by
mobile data network provided by major operators, wireless local area networks
such as
WiFi and Internet technology. Therefore, the network environment has
advantages over the
offline in the real world in terms of user-friendliness, but how to use the
network to
guarantee data interaction and reduce risks, there is no effective solution.
[51 Take a user processing the data in his daily life as an example,
when a user applies for a
loan, a loan may be directly borrowed between an individual and individual or
an
individual borrows from a bank. However, the borrowing activity between
individuals and
individuals is usually agreed by the borrower and the lender through the oral
or written
agreement. After the borrower provides the borrower's assets, due to the lack
of financial
guarantee and regulatory mechanism, it have brought great risk to the lender.
And the
problems of the loan activity between individuals and banks are complex
process of
collecting individual information, more manual intervention and banks also
need to bear
the financial risk. Therefore, it is need to provide a new borrowing method
and data
interaction processing mechanism to meet users' needs for online borrowing.
[6] [Summary of the Invention]
[7] The main technical problem of the invention is to provide a borrowing
method, a data
interaction processing method, an apparatus and a system, which can reduce the
risk of
data interaction (loan).
[8] In order to solve the above technical problems, a technical solution
adopted in this
invention is to provide a lending method, including: According to a loan
request of a
Second Participant, a First Participant applies to a first Funds-Management
server for
opening the electronic commitment payment certificate; Wherein the value of
the
electronic commitment payment certificate is less than the value of the loan
requested by
the Second Participant, and the First Participant use the account funds or the
credit limit as
the deposit to apply to the first Funds-Management server and the first Funds-
Management
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server set the account; the first Funds-Management server freeze the equal
value funds of
the electronic commitment payment certificate which the First Participant is
involved
according to the electronic commitment payment certificate opened by the First
Funds-Management server; The Second Funds-Management server receives the
electronic
commitment payment certificate opened by the first Funds-Management server and
issuing
the first fund with equal value to the electronic commitment payment
certificate to the
Second Participant; wherein, A first fund is set by the second Funds-
Management server to
be returned within a predetermined time; and a Third Participant transfers the
funds to the
Second Participant through third Funds-Management server according to the
remaining
loan request delivered by Second Participant, and issuing a second funds to
the Second
Participant through a third Funds-Management server, wherein the sum of the
first funds
and the second funds is equal to the loan value requested, and the first funds
and the second
funds have set the predetermined repay time by the second Funds-Management
server.
[91 In order to solve the above technical problem, another technical
solution adopted by the
present invention is to provide a borrowing method, including: the first Funds-
Management
server receives the electronic commitment payment certificate which the First
Participant
has applied for and is less than the loan value requested by the Second
Participant based on
the loan request; wherein the accounts funds and credit line of the electronic
commitment
payment certificate are used as the deposit to apply to the first Funds-
Management server
for opening by the first Funds-Management server; according to the electronic
commitment
payment certificate, the funds of First Participant is equal to the value of
the electronic
commitment payment certificate; sending the electronic commitment payment
certificate to
the second Funds-Management server, making the second Funds-Management server
issuing the first funds equal value to the electronic commitment payment
certificate to the
Second Participant; wherein, the first fund issued by the second Funds-
Management server
is set to returned within a scheduled time.
[10] In order to solve the above technical problem, another technical
solution adopted by the
present invention is to provide a lending method, where the method including:
the second
Funds-Management server receives the electronic commitment payment certificate
issued
by first Funds-Management server according to an application of a First
Participant; And
the application is issued to the first Funds-Management server for the loan
request of the
Second Participant, the value of the electronic commitment payment certificate
is less than
the borrowed value requested by the Second Participant and the accounts funds
and credit
line of the First Participant are used as the deposit to apply to the first
Funds-Management
server for opening by the first Funds-Management server, making the Second
Participant
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issuing the first funds equal value to the electronic commitment payment
certificate;
according to the remaining loan request of the Second Participant, issue the
second funds
to the Second Participant; wherein the sum of the first funds and the second
funds is equal
to the loan value of the said loan request, and the first funds and the second
funds have set
the predetermined repay time by the said Funds-Management server.
[11] In order to solve the above technical problem, another technical
solution adopted by the
present invention is to provide a data interaction processing method, where
the method
including: the first data initiator initiates a request that needs to add a
first data value to its
data unit to the First Service Party based on the first data initiator and the
First Service
Party opens a data certificate smaller than the first data value according to
an application of
the first data initiator; wherein the data certificate is a quantitative tool
of a pre-established
data association relationship between the first data initiator and the First
Service Party; the
First Service Party based on the data certificate opened by the First Service
Party locks the
data unit of the first data initiator and the first part of the data which is
equal to the data
value represented by the data certificate; a Second Service Party receiving
the data
certificate opened by the First Service Party and adding data values equal to
the data of the
first part to the data requested party data unit; the Second Service Party is
set to add data
values equal to the data size of the first part of the data unit to the second
service data unit
within the scheduled time; the Second Service Party requests data requests for
data value
equal to the data size of the second part based on the data requested by the
data requestor;
the data unit of the data requestor add the value equal to the data of the
second part;
wherein, the sum of the data valuesof the first part data and the second part
data is the first
data value.
[12] In order to solve the above technical problem, another technical
solution adopted by the
present invention is to provide a data interaction processing system, where
the system
including: the data request terminal, configured to initiate a first data
request that needs to
add a first data value to its data unit; the first data initiator terminal is
used to request a
First Service Party to open a data certificate based on the first data
request; the First Server
is used to open a data certificate that the value is less than the first data
according to the
application. Based on the established data certificate, locking the first part
of data which is
equal to the data value represented by data certificate in the data unit of
first data initiator
terminal; wherein the data certificate is a quantitative tool of a pre-
established data
association relationship between the first data initiator terminal and the
First Server; the
Second Server is used to receive the data certificate opened by the First
Server and adding
data values equal to the data of the first part to the data unit of the data
requester; the
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request is that adding data values equal to the data of the second part to the
data unit of the
data requester, according to the request, add the data value that is equal to
data of the
second part to the data unit of the data requester; wherein, the sum of the
first part data and
the second part data is the first data value; the Second Server sets that the
data requester
shall add the data value that is equal to the first data size to the data unit
of the Second
Server within the predetermined time.
[13] In order to solve the above technical problem, another technical
solution adopted by the
present invention is to provide a data interaction processing method, where
the method
including: according to the data requestor received by the First Service
Party, the First
Service party initiates a first data request to add a first data value to its
data unit and open a
data certificate which value is less than the first data; wherein the data
certificate is a
quantitative tool of a pre-established data association relationship between
the first data
initiator and the First Service Party; based on the data certificate opened by
the First
Service Party locks the data unit of the first data requestor and the first
part of the data
which is equal to the data value represented by the data certificate; and the
data certificate
is delivered to the Second Service Party to increase the data value which is
equal to the
data in the first part to the data unit in the data requestor, the Second
Service Party is set to
add data value equal to the data of the first part of the data unit to the
second service data
unit within the scheduled time.
[14] In order to solve the above technical problem, another technical
apparatus adopted by the
present invention is to provide a data interaction processing apparatus, where
the apparatus
including: according to the data requestor received by the First Service
Party, the First
Service party initiates a first data request to add a first data value to its
data unit and open a
data certificate which value is less than the first data; wherein the data
certificate is a
quantitative tool of a pre-established data association relationship between
the first data
requestor and the First Service Party; based on the data certificate opened by
the First
Service Party locks the data unit of the first data initiator and the first
part of the data which
is equal to the data value represented by the data certificate; and the data
certificate is
delivered to the Second Service Party to increase the data value which is
equal to the data
in the first part to the data unit in the data requestor, the Second Service
Party is set to add
data value equal to the data of the first part of the data unit to the second
service data unit
within the scheduled time.
[15] In order to solve the above technical problem, another technical
solution adopted by the
present invention is to provide a data interaction processing method, where
the method
includes: the data certificate requested and set by the Second Service Party
based on the
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First Service Party; wherein the application is issued for the first data
initiator to receive
that the data requester is requested to add a first data value to its data
unit, the value of the
data certificate is smaller than the first data and are quantitative tools for
the
pre-established data association relationship between the first data initiator
and the First
Service Party; adding the data which is equal to data in the first part data
to the data unit of
data requester; adding the data which is equal to data in the second part data
to the data unit
of data requester, according to the data request, add the data which is equal
to data in the
second part data to the data unit of data requester; wherein the sum of the
first part data and
the second part data is the first data value; the Second Server is set that
the data requester
shall add the data value that is equal to the first data size to the data unit
of the Second
Server.
[16] In order to solve the above technical problem, another technical
solution adopted by the
present invention is to provide a data interaction processing device, where
the device
includes: the receiving module, is used to receive the data certificate
requested and set by
the Second Service Party based on the application of the first data initiator;
wherein the
application is issued for the first data initiator to receive that the data
requester is requested
to add a first data value to its data unit, the value of the data certificate
is smaller than the
first data and are quantitative tools for the pre-established data association
relationship
between the first data initiator and the First Service Party; the issuing
module, is used for
adding the data which is equal to data in the first part data to the data unit
of data requester;
adding the data value that is equal to the data size of the second part,
according to the data
request initiated by the data requester, add the data value that is equal to
the data size of the
second part; wherein the sum of the first part data and the second part data
is the first data
value; the Second Server is set to add data value equal to the data of the
first data unit to
the Second Server data unit within the scheduled time.
[17] In the above scheme, during the data interaction process, since the
service party is added to
the data initiator (loan requester) and the data requestor (borrower), and the
relationship
between data initiator and the service party, the service party and the data
requestor are
established, it provides data monitoring and data feedback for the data
interaction between
the data initiator and the data requestor so as to improve data security and
data exchange
stability.
[18] [Brief Description]
[19] Figure 1 is a lending method in a first example of the present
invention;
[20] Figure 2 is a schematic flowchart of a lending method in a second
example of the present
invention;
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[21] Figure 3 is a schematic flowchart of a lending method in a third
example of the present
invention;
[22] Figure 4 is a schematic flowchart of a lending method in a fourth
example of the present
invention;
[23] Figure 5 is a schematic flow chart of a data interaction processing
method in a first
example of the present invention;
[24] Figure 6 is a schematic flowchart of a data interaction processing in
a second example of
the present invention;
[25] Figure 7 is a schematic flowchart of a data interaction processing
method in a third
example of the present invention;
[26] Figure 8 is a schematic structural diagram of a data interaction
processing system in an
example of the present invention;
[27] Figure 9 is a schematic structural diagram of a data interaction
processing device in a first
example of the present invention;
[28] Figure 10 is a schematic structural diagram of a data interaction
processing device in a
second example of the present invention.
[29] [Description of the Preferred Examples]
[30] The present invention will be described in detail below with reference
to the accompanying
drawings and examples.
[31] Referring to Figure 1, it is a schematic flowchart of a borrowing
method according to a
first example of the present invention. The method flow shown in this example
includes the
following steps:
[32] Step S 10, the First Participant applies to the first Funds-Management
server for opening an
electronic commitment payment certificate according to the borrowing request
of the
Second Participant. Wherein the value of the electronic commitment payment
certificate is
less than the value of the borrowing requested by the Second Participant and
the First
Participant applies to the first Funds-Management server for its account funds
or credit line
as a guarantee and is opened by the first fund Funds-Management server.
[33] In the method of the present invention, the First Participant is a
loan initiator, and the
Second Participant is a borrower.
[34] Referring to Figure 2, further, step S10, that is, the First
Participant applies to the first
Funds-Management server for opening the electronic commitment payment
certificate
according to the borrowing request of the Second Participant, specifically by
the following
steps:
[35] Step SlOa, the Second Participant initiates the borrowing request
through a server platform.
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[36] Wherein, the server platform can be an e-commerce platform, and the
borrower may also
visit the e-commerce platform through an application installed in an
intelligent terminal to
complete the initiation of a borrowing request.
[37] Step SlOb, the First Participant receives the borrowing request, and
applies to the first
Funds-Management server according to the borrowing request, and opens the
electronic
commitment payment certificate by the first Funds-Management server.
[38] The loan initiator can also visit the server platform to find and
receive the borrowing
request of the borrower. Further, the loan initiator can check loan requests
initiated by a
several borrowers through the server platform, and select a suitable request
to receive.
[39] Step S11, the first Funds-Management server, according to the
electronic commitment
payment certificate opened by the first Funds-Management server, freezes the
value of
First Participant's funds which is equal to the electronic commitment payment
certificate.
[40] The frozen fund is a deposit of the Second Participant in the first
Funds-Management
server or a credit limit given by the first Funds-Management server to the
Second
Participant, or the Second Participant mortgage the real estate to the first
Funds-Management server.
[41] Step S12, the second Funds-Management server receives the electronic
commitment
payment certificate opened by the first Funds-Management server and issues the
first fund
to the equal value of the electronic commitment payment certificate to the
Second
Participant. Wherein the issued first fund is set by the second Funds-
Management server to
be returned within a predetermined time.
[42] In the present example, the first Funds-Management server is a first
bank
Funds-Management server, and the second Funds-Management server is a
Funds-Management server of a second bank.
[43] In other examples, the first Funds-Management server and the second
Funds-Management
server are the same Funds-Management server.
[44] Step S13, the second Funds-Management server issues the second fund to
the Second
Participant according to the remaining borrowing request initiated by the
Second
Participant. The sum of the value of the first fund and the second fund is
equal to the value
of the loan requested for borrowing. The first fund and the second fund are
set by the
second Funds-Management server to be returned within a predetermined time.
[45] Further, before the second Funds-Management server issues the second
fund to the Second
Participant, the Second Participant also conducts a credit evaluation and
issues a second
fund if the second Funds-Management server passes the assessment.
[46] For example, the borrower issues a borrowing request for a loan of
100,000. After
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receiving the borrowing request, the loan initiator applies to the first bank
for opening an
electronic commitment payment certificate and the value of the electronic
commitment
payment certificate issued by the application is only 60,000. The first bank
freezes the
funds of the loan initiator of the loan in this first bank, wherein the value
of the frozen
funds equal to the value of the electronic commitment payment certificate. For
example,
freezing V60,000 of the loan initiator in bank deposits as a guarantee for the
loan initiator.
The second bank then receives the electronic commitment payment certificate
issued by the
first bank and issues 60,000 of the funds to the borrower. The borrower
requests the
second bank for the remaining 40,000 loans, at which time the second bank
issues
40,000 to the borrower when the credit rating is passed.
[47] For the loan party, the deposit of 60,000 in the bank are not lent to
the borrower by the
bank, but simply frozen by the bank. The 60,000 deposits are still in the
loan party's
account and belong to the loan party. As a result, the risk is greatly reduced
and the
additional benefits may also be gained because the 60,000 deposit still
belongs to himself.
For the borrower, it borrows from the loaner instead of borrowing from the
bank, but the
actual fund comes from the bank, and the fund is still returned to the bank.
Based on the
bank's solid strength and counter-force, it will strengthen self-discipline to
match the
borrowers to complete the whole borrowing process and also further reduces the
loan risk.
And because the bank's strength has made it easier to borrow money, the
borrower can
easily borrow money. For the banks, the lent funds of 60000 borrowed by the
loan party
were frozen 60,000 as a guarantee of storage, the risk is not borne by the
bank only, and
because of its solid strength and counter-force, and it can guarantee the
smooth completion
of the loan process to some extent. After the successful completion, it can
increase the
potential customers, obtain more customer information, and can also gain
additional
benefits during the lending process.
[48] In the above solution, when receiving Second Participant's borrowing
request, the First
Participant applies to the first Funds-Management server for opening an
electronic
commitment payment certificate less than the requested borrowing value, the
first
Funds-Management server freezes the funds of the First Participant that is
less than the
value of the electronic commitment payment certificate, and the second
Funds-Management server issues funds to the Second Participant that is equal
to the
requested loan according to the electronic commitment payment certificate;
meanwhile, the
second Funds-Management server issues the remaining loan to the Second
Participant.
Thus, using the Funds-Management server as an intermediary platform between
the Second
Participant and the First Participant, the First Participant guarantees to the
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Funds-Management server and the Funds-Management server issues the loan to the
Second
Participant, thereby reducing the risk of the lending process.
[49] Please refer to Figure 3, it is a schematic flowchart of a borrowing
method in a third
example of the present invention. The method flow shown in this example
includes:
[50] Step S20, the first Funds-Management server receives the electronic
commitment payment
certificate that the First Participant requests to open a loan value less than
the Second
Participant's request according to the received loan request of the Second
Participant.
Wherein the value of the electronic commitment payment certificate is the
First Participant
applies to the first Funds-Management server for its account funds or credit
line as a
guarantee and is opened by the first fund Funds-Management server.
[51] In the method of the present invention, the First Participant is a
loan initiator, and the
Second Participant is a borrower.
[52] Step S21, the Funds-Management server, according to the electronic
commitment payment
certificate, freezes the value of First Participant's funds which is equal to
the electronic
commitment payment certificate.
[53] The frozen fund is a deposit of the Second Participant in the first
Funds-Management
server or a credit limit given by the first Funds-Management server to the
Second
Participant, or the Second Participant mortgage the real estate to the first
Funds-Management server.
[54] Step S22, send the electronic commitment payment certificate to the
second
Funds-Management server, making the second Funds-Management server issues a
first
fund equals to the value of electronic commitment payment certificate to the
Second
Participant. Wherein the issued first fund is set by the second Funds-
Management server to
be returned within a predetermined time.
[55] In the present example, the first Funds-Management server is a first
bank
Funds-Management server, and the second Funds-Management server is a
Funds-Management server of a second bank.
[56] In other examples, the first Funds-Management server and the second
Funds-Management
server are the same Funds-Management server.
[57] Further, the second Funds-Management server issues the second fund to
the Second
Participant according to the remaining borrowing request initiated by the
Second
Participant. The sum of the value of the first fund and the second fund is
equal to the value
of the loan requested for borrowing. The first fund and the second fund are
set by the
second Funds-Management server to be returned within a predetermined time.
[58] Referring to Figure 4, it is a schematic flowchart of a borrowing
method in a fourth
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example of the present invention. The method flow shown in this example
includes:
[59] Step S31, the second Funds-Management server receives the electronic
commitment
payment certificate opened by the first Funds-Management server according to
the
application of the First Participant. Wherein the application is delivered to
the first
Funds-Management server by the First Participant after receiving the borrowing
request
from the Second Participant and the value of the electronic commitment payment
certificate is less than the value of the borrowing requested by the Second
Participant and
the First Participant applies to the first Funds-Management server for its
account funds or
credit line as a guarantee and is opened by the first fund Funds-Management
server.
[60] Step S32, issues the value of first fund equal to the electronic
commitment payment
certificate to the Second Participant.
[61] Wherein the issued first fund is set by the second Funds-Management
server to be returned
within a predetermined time.
[62] In the present example, the first Funds-Management server is a first
bank
Funds-Management server, and the second Funds-Management server is a
Funds-Management server of a second bank.
[63] In other examples, the first Funds-Management server and the second
Funds-Management
server are the same Funds-Management server.
[64] Step S33, issue the second fund to the Second Participant according to
the remaining loan
request initiated by the Second Participant. Wherein the sum of the value of
the first fund
and the second fund is equal to the value of loan request, and the first fund
and the second
fund are set by the Funds-Management server to be returned within a
predetermined time.
[65] Please refer to Figure 5, it is a schematic flowchart of a data
interaction processing method
according to a first example of the present invention. The method flow shown
in this
example includes:
[66] Step S40, the first data initiator requests to the First Service Party
according to the data
request from the data requestor to add the first data value to its data unit,
and the First
Service Party initiates a data certificate which the value is less than the
first data according
to the first data initiator. Wherein the data certificate is a quantitative
tool of a
pre-established data association relationship between the first data initiator
and the First
Service Party.
[67] Step S41, the First Service Party locks, according to the data
certificate opened by the First
Server, a first part of data in the data unit of the first data initiator
equal to the data value
represented by the data certificate.
[68] Specifically, the first data initiator opens a data certificate that
is less than the first data
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value to the service party through the Second Server platform.
[69] Wherein, the First Server platform and the Second Server platform can
be the same server
platform or different server platforms.
[70] Further, the first server platform and the Second Server platform can
be an e-commerce
platform, and the data requesting party may also access the e-commerce
platform through
an application installed in the smart terminal to initiate the initiation of
the data request.
The first data initiator responds to the data request through the e-commerce
platform to
open the data certificate.
[71] Step S42, the Second Service Party receives the data certificate
opened by the First Service
Party and adds the data value that is equal to the data size of the first part
in the unit.
Wherein the Second Service Party is set to add data values equal to the data
size of the first
part in the data unit to the data unit in the Second Service Party within a
scheduled time.
[72] Step S43, according to the data request initiated by the data
requester for adding the data
value equal to the size of the second part of data, the Second Service Party
adds the data
value equal to the data in the second part to the data unit of the data
requester. Wherein, the
first data value is the sum of the data values of the first part data and the
second part data.
[73] Please refer to Figure 6, it is a data interaction processing method
according to the second
example of the present invention, the method and process including:
[74] Step S50, the First Service Party initiates an application that
requests a first data to add a
first data value to its data unit according to the data requestor received by
the first data
initiator and opens a data certificate which the values is less than the first
data. Wherein the
data certificate is a quantitative tool of a pre-established data association
relationship
between the first data initiator and the First Service Party.
[75] Specifically, the data requester initiates a data request of the first
data through the first
server platform. The first data initiator applies to the Service Party through
the Second
Server platform for opening a data certificate that the value is less than the
first data.
[76] Wherein, the First Server platform and the Second Server platform can
be the same server
platform or different server platforms.
[77] Further, the First Server platform and the Second Server platform can
be an e-commerce
platform, and the data requester may also access the e-commerce platform
through an
application installed in the smart terminal to initiate the initiation of the
data request. The
data initiator responds to the data request through the e-commerce platform to
open the
data certificate to the First Service Party.
[78] Step S51, according to the data certificate, locking the first part of
the data unit in the first
data initiator which the value is equal to the representative of data
certificate.
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[79] Step S52, send the data certificate to the Second Service Party,
making the Second Service
Party adds the data value equal to the data size of the first part to the data
requestor data
unit. Wherein the Second Service Party is set to add data values equal to the
data size of the
first part in the data unit to the data unit in the Second Service Party
within a scheduled
time.
[80] Please refer to Figure 7, it is a data interaction processing method
according to a third
example of the present invention. The method and process shown in this example
includes:
[81] Step S60, the Second Service Party receives the data certificate
opened by the First Service
Party according to the application of the first data initiator. Wherein the
application is
issued for the data requestor received by the first data initiator to add a
first data value to its
data unit, the value of data certificate is less than the first data and is a
quantitative tool of a
pre-established data association relationship between the first data initiator
and the First
Service Party.
[82] Step S61, adds the data value equal to the data size of the first part
to the data requestor
data unit.
[83] Step S43, according to the data request initiated by the data
requester for adding the data
value equal to the size of the second part of data, adds the data value equal
to the data in
the second part to the data unit of the data requester. Wherein the sum of the
first part data
and the second part data is the first data value; the Second Service Party is
set to add data
values equal to the data size of the first part in the data unit to the data
unit in the Second
Service Party within a scheduled time.
[84] Please refer to Figure 8, it is a schematic diagram of a data
interaction processing system
according to an example of the present invention. The System 70 shown in this
example
includes a data request Terminal 71, a data originator Terminal 72, a First
Server 73, and a
Second Server 74.
[85] This data request terminal 71 is used to initiate a first data request
that needs to add a first
data value to its data unit.
[86] Wherein, the data request terminal 71 initiates a first data request
of the first data through
the first server platform.
[87] The first data initiator terminal 72 is used to submit an application
for opening a data
certificate to the First Service Party according to the first data request.
[88] Specifically, the first data initiator terminal 72 opens the data
certificate to the first server
73 through the Second Server platform.
[89] Wherein, the First Server platform and the Second Server platform can
be the same server
platform or different server platforms.
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[90] Further, the first server platform and the Second Server platform can
be an E-commerce
platform, and the data request terminal 71 may also access the E-commerce
platform
through an application installed in the smart terminal to initiate the
initiation of the data
request. The first data initiator terminal 72 requests the first service
provider 73 to open the
data certificate through the E-commerce platform respond to data request.
Wherein the data
certificate is a quantitative tool of a pre-established data association
relationship between
the first data initiator terminal 72 and the first server 73.
[91] The first server 73 is used to open, according to an application of
the first data initiator
terminal 72, a data certificate which the value is less than the first data
and lock the data
which the value is equal to the represented data certificate in the first pat
in the data unit of
the first data initiator terminal 72 according to the data certificate opened
by the first
server. Wherein the data certificate is a quantitative tool of a pre-
established data
association relationship between the first data initiator terminal 72 and the
first server 73.
[92] The Second Server 74 is used to receive the data certificate opened by
the first server 73
and add a data value equal to the data size of the first part to the data
requestor 71. Wherein
the Second Server 74 is set to add data values equal to the data size of the
first part in the
data unit to the data unit in the Second Server 74 within a scheduled time.
[93] The Second Server 74 is used to add the data value which equal to the
data of the second
part initiated by the data request Terminal 71 data unit. Wherein the sum of
the first part
data and the second part data is the first data value; the Second Service
Party is set to add
data values equal to the data size of the first part in the data unit to the
data unit in the
Second Service Party within a scheduled time.
[94] In this example, the first server 73 is a first Funds-Management
server, which can be a
bank. The Second Server 74 is a second Funds-Management server, which can be a
bank.
The third server 76 is a third Funds-Management server, which can be a bank or
a
third-party payment platform.
[95] In other examples, the First Server 73 and the Second Server 74 are
first
Funds-Management server, which can be a bank.
[96] Please refer to Figure 9, it is a data interaction processing
apparatus according to a first
example of the present invention. The data interaction processing apparatus 80
includes a
data certificate opening module 81, a processing module 82 and an issuing
module 83. In
the present example, the Device 80 operates in a banking system.
[97] The data certificate issuing module 81 is used to initiate the first
data request of first data to
its data unit according to the data requestor received by the first data
initiator and opens the
data certificate which the value is less than first data. Wherein, the data
certificate is a
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quantitative tools of a pre-established data association relationship between
the first data
initiator terminal and the apparatus.
[98] Specifically, the data certificate opening module 81 receives the data
certificate opened by
the first data initiator terminal through a server platform.
[99] The processing module 82 is used to lock the first part of the data
units of the first data
initiator which the value is equal to the data represented by the data
certificate according to
the data certificate.
[100] The issuing module 83 is used to send the data certificate to the Second
Service Party,
making the Second Service Party adds the data value equal to the data size of
the first part
to the data requestor data unit. Wherein the Second Service Party is set to
add data values
equal to the data size of the first part in the data unit to the data unit in
the Second Service
Party within a scheduled time.
[101] Step S43, according to the data request initiated by the data
requester for adding the data
value equal to the size of the second part of data, the Second Service Party
adds the data
value equal to the data in the second part to the data unit of the data
requester for the
remaining data. Wherein the sum of the first part data and the second part
data is the first
data value; the Second Service Party is set to add data values equal to the
data size of the
first part in the data unit to the data unit in the Second Service Party
within a scheduled
time.
[102] Please refer to Figure 10, it is a data interaction processing
apparatus according to a second
example of the present invention. The data interaction processing apparatus 90
shown in
this example includes a receiving module 91 and an issuing module 92. In the
present
example, the Device 90 operates in a banking system.
[103] The receiving module 91 is used to receive the data certificate
opened by the First Service
Party according to the application of the first data initiator. Wherein the
application is
issued for the data requestor received by the first data initiator to add a
first data value to its
data unit, the value of data certificate is less than the first data and is a
quantitative tool of a
pre-established data association relationship between the first data initiator
and the First
Service Party.
[104] The issuing module 92 is configured to add a data value equal to the
size of the first part
data to the data requester data unit; and a data request initiated by the data
requester to
increase a data value equal to a size of the second part data, adding to the
data requester
data unit a data value equal to the second part data size.
[105] Wherein the sum of the first part data and the second part data is
the first data value; the
Second Service Party is set to add data values equal to the data size of the
first part to the
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data unit in the Second Service Party within a scheduled time.
[106] The present invention provides a borrowing method, a data interaction
processing method,
an apparatus, and a system. By pre-establish a data association relationship
between a data
initiator and a service party through a data certificate. When a data
initiator receives a data
request that the data requestor needs the first data, it opens a data
certificate which data
value is less than the first data to the service party, making the service
party freeze the data
association relationship represented by the data certificate and the data
initiator, the Second
Service Party can, according to the data certificate, add the corresponding
data value to the
data requestor. During the process of data interaction, since the service
party is added to the
data initiator First Participant) and the data requester (Second Participant),
and the
relationship of interaction between the data initiator and the service party,
the service party
and the data requester are established. Data interaction between the data
initiator and the
data requester is monitored and feed backed mutually. It adds the data
association,
enriching the content of data interaction, making if either side of the data
existing
problems, it can restore the corresponding data (or data association) by means
of the data
interaction between the other two parties to improve data security and data
interaction
stability.
[107] In the above examples, the present invention has been exemplary
described only, but
various modifications to the present invention can be made by those skilled in
the area after
reading this patent application without departing from the spirit and scope of
the present
invention.
