Note: Descriptions are shown in the official language in which they were submitted.
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Title: Lending Method, And Data Interaction Processing Method, Terminal
And System
[1] [Technical Field]
[2] The present invention relates to the field of credit, especially, to a
repayment method, data
interaction processing method, terminal 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.
[5] 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 lending activities between
individuals and
individuals are usually the First Participant and Second Participant reach an
agreement
verbally or in writing form, after the Second Participant provides funds to
the First
Participant, because there is no compulsory repayment constraint, it brings a
great risk to
the Second Participant. Therefore, it needs to consider how to use the network
to achieve
borrowing and reduce risk.
[6] [Summary of the Invention]
[7] The main technical problem of the invention is to provide a repayment
method, a data
interaction processing method, a terminal and a system, which can reduce the
risk of
Second Participant.
[8] In order to solve the above technical problem, the first technical
solution adopted by the
present invention is: providing a repayment method, including:
[9] When the first Funds-Management server determines that second Funds-
Management
server fails to receive the loan returned by the First Participant on the
target date, and
maintain the frozen status of the funds of the Second Participant; wherein the
loan is issued
by the second Funds-Management server to the First Participant based on an
electronic
commitment payment certificate from a first Funds-Management server, the
electronic
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commitment payment certificate is opened by the first Funds-Management server
according to the application of Second Participant and freezing the funds of
the Second
Participant which amount is not less than the loan;
[10] The Second Participant delivers to the first Funds-Management server a
message of
agreeing to return the loan in place of the First Participant;
[11] The first Funds-Management server receives the message and pays the
frozen funds of the
Second Participant into the financial system of the second Funds-Management
server.
[12] In order to solve the above technical problem, the second technical
solution adopted by the
present invention is providing a repayment method, including:
[13] When the first Funds-Management server on the condition that second
Funds-Management
server fails to receive the loan returned by on the target date, and maintain
the frozen status
of the funds of the Second Participant; wherein the loan is issued by the
second
Funds-Management server to the First Participant based on an electronic
commitment
payment certificate from a first Funds-Management server, the electronic
commitment
payment certificate is opened by the first Funds-Management server according
to the
application of Second Participant and freezing the funds of the Second
Participant which
amount is not less than the loan;
[14] The first Funds-Management server receives a message that the Second
Participant agrees
to replace the First Participant to return and finishes the payment of the
frozen funds of the
Second Participant to the finance system of the second Funds-Management
server.
[15] In order to solve the above technical problem, a third technical
solution adopted by the
present invention is to provide a data interaction processing method, where
the method
includes the following steps:
[16] When the First Service Party determines that the data requester does
not add the first data
value to data unit of Second Service Party before the target date, keep the
locked status of
at least part of the data in the data unit of data initiator, wherein the
first data value is
delivered by the second service to the data requester according to the data
certificate from
the First Service Party, the data certificate is the application delivered by
the First Service
Party based on the data requester, open after locking the data in the data
unit of the data
initiator whose value is not less than the first data value;
[17] The data initiator delivers to the First Service Party a message that
agrees to add a first data
value to the data unit of the Second Service Party in place of the data
requester;
[18] The First Service Party receives the message and pays the locked data
of the data initiator
into the data unit of the Second Service Party, wherein the data value of the
payment is
equal to the value of the first data value and the value-added data of the
first data value.
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[19] In order to solve the above technical problem, a fourth technical
solution adopted by the
present invention is to provide a data interaction processing method, where
the method
including:
[20] When the First Service Party determines that the data requester does
not add the first data
value to data unit of Second Service Party before the target date, keep the
locked status of
the data in the data unit of data initiator is not less than the first data
value, wherein the first
data value is delivered by the second service to the data requester according
to the data
certificate from the First Service Party, the data certificate is the
application delivered by
the First Service Party based on the data requester, open after locking the
data in the data
unit of the data initiator whose value is not less than the first data value;
[21] When the First Service Party receives the notification delivered by
the data initiator that it
is determined to add the first data value to the data unit of the Second
Service Party in
place of the data requester, it will pay the locked data-initiator of the data
initiator to the
data unit of the Second Service Party, wherein the value of the data to be
paid including the
values of the first data value and the value-added data of the first data
[22] In order to solve the above technical problem, a fifth technical
solution adopted by the
present invention is to provide a data interaction processing system,
including: a data
request terminal, a data initiator terminal, a First Server, and a Second
Server, the server
[23] When the First Server determines that the data request terminal does
not add the first data
value to data unit of Second Server before the target date, keep the locked
status of at least
part of the data in the data unit of data initiator terminal, wherein the
first data value is
delivered by the Second Server to the data request terminal according to the
data certificate
from the First Server, the data certificate is the application delivered by
the First Server
based on the data request terminal, opens after locking the data in the data
unit of the data
initiator terminal whose value is not less than the first data value;
[24] The data initiator terminal delivers to the First Server a message
that agrees to add a first
data value to the data unit of the Second Server in place of the data request
terminal;
[25] The First Server receives the message and pays the locked data of the
data initiator
terminal into the data unit of the Second Server, wherein the data value of
the payment is
equal to the value of the first data value and the value-added data of the
first data value.
[26] In order to solve the above technical problem, a sixth technical
solution adopted by the
present invention is: it is provides a server which includes a locking module,
a receiving
module and delivery module,
[27] The delivery module is used for When the First Server determines that
the data request
terminal does not add the first data value to data unit of Second Server
before the target
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date, keep the locked status of at least part of the data in the data unit of
data initiator
terminal, wherein the first data value is delivered by the Second Server to
the data request
terminal according to the data certificate from the First Server, the data
certificate is the
application delivered by the First Server based on the data request terminal,
opens after
locking the data in the data unit of the data initiator terminal whose value
is not less than
the first data value;
[28] The receiving module is used to receive a notification delivered by
the data initiating
terminal that it is willing to add a first data value to the data unit of the
Second Server in
place of the data requesting terminal;
[29] The delivery module is further used to pay the locked data of the data
initiating terminal to
the data unit of the Second Server, wherein the data value of the payment is
equal to the
value of the first data value and the value-added data of the first data
value.
[30] The beneficial effects of the present invention is to distinguish from
the existing
technology.
[31] The first Funds-Management server in this example determines that the
second
Funds-Management server maintains a frozen state of a part of the funds of the
Second
Participant when the second Funds-Management server does not receive the First
Participant loan within a target date; the Second Participant sends the first
Funds-Management server a message that is willing to return the loan in place
of the First
Participant; the first Funds-Management server receives the message and pays
the frozen
funds of the Second Participant to the financial system of the second Funds-
Management
server, so that the repayment method is flexible. In addition, by interposing
the first
Funds-Management server and the second Funds-Management server into the loans
of the
First Participant and the Second Participant, the risk of the loan can be
effectively reduced,
and the safety of the funds can be guaranteed.
[32] [Brief Description]
[33] Figure 1 is a schematic flow chart of an example of a repayment method
according to the
present invention;
[34] Figure 2 is a schematic flow chart of another example of the repayment
method according
to the present invention;
[35] Figure 3 is a schematic flow chart of a data interaction processing
method in example one
of the present invention;
[36] Figure 4 is a schematic flow chart of a data interaction processing
method another example
of the present invention;
[37] Figure 5 is a schematic structural diagram of an example of First
Server according to the
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present invention;
[38] Figure 6 is a schematic structural diagram of a data interaction
processing system in an
example of the present invention.
[39] [Description of the Preferred Examples]
[40] Please referring to Figure 1, it is a schematic flowchart of an
example of a repayment
method according to the present invention. The repayment method of this
example includes
the following steps:
[41] 101: When the first Funds-Management server determines that the second
Funds-Management server does not receive the loan returned by the First
Participant within
the target date, keeps the part of the funds frozen of the Second Participant.
[42] Wherein the loan is issued by the second Funds-Management server to
the First Participant
based on an electronic commitment payment certificate from the first Funds-
Management
server, the electronic commitment payment certificate is opened by the first
Funds-Management server according to the application of the Second
Participant, the
Funds-Management server, freezes the funds amount of the Second Participant
which value
is not less than the loan amount.
[43] The First Participant makes a request for the loan to the Second
Participant, the Second
Service Party applies to the Funds-Management server for opening the
electronic
commitment payment certificate; wherein the electronic commitment payment
certificate is
issued by the Second Participant to the first Funds-Management server and
opened by the
first Funds-Management server as the guarantee of the account funds or credit
line.
[44] The first Funds-Management server, based on the electronic commitment
payment
certificate issued by the first Funds-Management server, freezes part of the
funds of the
Second Participant, and delivers the electronic commitment payment certificate
to the
second Funds-Management server, and the second Funds-Management server
delivers the
loan to the First Participant and issuing the loan and notify the First
Participant to return
the loan on the target date at the same time
[45] Wherein, when determining that the funds of account or credit line of
the Second
Participant in the financial system of the Second Participant is not less than
the loan
amount of the First Participant, the first Funds-Management server issues the
electronic
commitment payment certificate which the value is equal to the loan to the
Second
Participant.
[46] Wherein, the first Funds-Management server and the second Funds-
Management server are
banks or other financial institutions, and they can be the same institution or
be different
institutions respectively. When the first Funds-Management server and the
second
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Funds-Management server is a different institutions, the loan and lending
process can be
realized by the way in this example.
[47] If the second Funds-Management server receives the loan returned by
the First Participant
within the target date, and the second Funds-Management server delivers a
notification to
the first Funds-Management server that the First Participant of the first
Funds-Management
server had returned the loan. The first Funds-Management server, in accordance
with the
above notification, release the amount of the funds equal to the loan of the
second
participant.
[48] If the first Funds-Management server fails to receive the notification
of the first participant
returning the loan from the second Funds-Management server at the end of the
target date,
it is determined that the second Funds-Management server does not receive the
loan
returned by the First Participation within the target date, the first Funds-
Management
server maintaining at least part of the funding of the Second Participant are
frozen.
[49] 102, the Second Participant delivers to the first Funds-Management
server a message of
agreeing to return the loan in place of the First Participant.
[50] The Second Participant still fails to detect that the first Funds-
Management server
unfreezes the Second Participant's money equivalent to the loan at the end of
the target
date, and to avoid affecting creditworthiness, a message is sent to the first
Funds-Management server that is intended to replace the First Participant to
return the
loan.
[51] 103, the first Funds-Management server receives the message and
delivers the frozen funds
of the Second Participant into the financial system of the second Funds-
Management
server.
[52] Specifically, since this loan is equal to the loan directly issued by
the second
Funds-Management server to the First Participant, the First Participant needs
to pay the
second Funds-Management server the loan interest payable during the loan
period.
[53] Thus, the first Funds-Management server pays the Second Participant's
frozen funds which
equal to the loan and its loan interest into the financial system of the
second
Funds-Management server.
[54] In addition, although part of the funds of the Second Participant is
frozen during the loan of
the First Participant, it is still stored in the financial system of the first
Funds-Management
server, that is, the deposit status, and the first Funds-Management server
gives the Second
Participant the benefit of the Second Participant by issuing the frozen funds
during the
frozen period, which increases the benefit of the Second Participant.
[55] In addition, since the Second Participant take place of the First
Participant to return the
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loan issued by the second Funds-Management server within a target date, it is
an act of
integrity. The first Funds-Management server includes the timely repayment
record of the
Second Participant in the bank credit system and enhance the ranking of the
Second
Participant in the bank integrity system to facilitate participation of the
Second Participant
in other activities of the Funds-Management server.
[56] In addition, the second Funds-Management server reduces the credit
level of the First
Participant in the bank credit system as the First Participant fails to return
the loan within
the target date.
[57] Since the first participant fails to return the loan on the target
date, the second
Funds-Management server imposes deferred fine on the First Participant,
wherein the
deferred penalty is an increase in interest on loans extended during the
deferral of late fees
or/and deferred repayment. Correspondingly, the first Funds-Management server
pays the
Second Participant's funds which equal to the loan, interest of loan and
deferred fine into
the financial system of the second Funds-Management server.
[58] In another example, if the First Participant returns the loan to the
second
Funds-Management server on the target date, the second Funds-Management server
receives the loan returned by the First Participant and delivers a
notification to the first
Funds-Management server that the First Participant has returned the loan to
the first
Funds-Management server, and the first Funds-Management server receives the
notification delivered by the second Funds-Management server and release the
funds of
Second Participant's equal to the loan.
[59] Different from the existing technology, the first Funds-Management
server in this example
determines that the second Funds-Management server maintains a frozen state of
a part of
the funds of the Second Participant when the second Funds-Management server
does not
receive the First Participant loan within a target date; the Second
Participant sends the first
Funds-Management server a message that is willing to return the loan in place
of the First
Participant; the first Funds-Management server receives the message and pays
the frozen
funds of the Second Participant to the financial system of the second Funds-
Management
server. By interposing the first Funds-Management server and the second
Funds-Management server into the loans of the First Participant and the Second
Participant, the risk of the loan can be effectively reduced, and the safety
of the funds can
be guaranteed.
[60] In other example of the present invention, if the First Participant
fails to return the loan to
the second Funds-Management server within the target date, the second
Funds-Management server delivers a payment notification to return the loan to
the second
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Funds-Management server on the Second target date; and the First Participant
receives the
notification of payment and return the loan to the second Funds-Management
server on the
Second target date; the second Funds-Management server receives the loan
retuned by First
Participant and delivers the notification that the First Participant has
returned the loan to
the first Funds-Management server; the first Funds-Management server receives
the
notification delivered by the second Funds-Management server and releases the
frozen
funds of Second Participant.
[61] In another example, if the First Participant fails to return the loan
to the second
Funds-Management server on the target date, the second Funds-Management server
notifies the failure of the First Participant to repay on time to the first
Funds-Management
server, the first Funds-Management server reminds the Second Participant
whether to agree
to pay the First Participant's loan and loan interest instead of the First
Participant. The
Second Participant is willing to pay the First Participant's loan and the loan
interest instead
of the First Participant and the first Funds-Management server pays out the
frozen funds of
the Second Participant to the second Funds-Management server in the financial
system.
[62] Please refer to Figure 2, Figure 2 is a schematic flow chart of
another example of a
repayment method according to the present invention. The method of First
Participant of
this example includes the following steps:
[63] 201: When the first Funds-Management server on the condition that the
second
Funds-Management server does not receive the loan within the target date,
keeps the part
of the funds frozen of the Second Participant.
[64] Wherein the loan is issued by the second Funds-Management server to
the First Participant
based on an electronic commitment payment certificate from the first Funds-
Management
server, the electronic commitment payment certificate is opened by the first
Funds-Management server according to the application of the Second
Participant, the
Funds-Management server, freezes the funds amount of the Second Participant
which value
is not less than the loan amount.
[65] Wherein the loan is issued by the second Funds-Management server to
the First Participant
based on an electronic commitment payment certificate from the first Funds-
Management
server, the electronic commitment payment certificate is opened by the first
Funds-Management server according to the application of the Second
Participant, the
Funds-Management server, freezes the funds amount of the Second Participant
which value
is not less than the loan amount.
[66] The First Participant makes a request for the loan to the Second
Participant, the Second
Service Party applies to the Funds-Management server for opening the
electronic
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commitment payment certificate; wherein the electronic commitment payment
certificate is
issued by the Second Participant to the first Funds-Management server and
opened by the
first Funds-Management server as the guarantee of the account funds or credit
line.
[67] The first Funds-Management server, based on the electronic commitment
payment
certificate issued by the first Funds-Management server, freezes part of the
funds of the
Second Participant, and delivers the electronic commitment payment certificate
to the
second Funds-Management server, and the second Funds-Management server
delivers the
loan to the First Participant and issuing the loan and notify the First
Participant to return
the loan on the target date at the same time
[68] Wherein, when determining that the funds of account or credit line of
the Second
Participant in the financial system of the Second Participant is not less than
the loan
amount of the First Participant, the Funds-Management server issues the
electronic
commitment payment certificate which the value is equal to the loan to the
Second
Participant.
[69] Wherein, the first Funds-Management server and the second Funds-
Management server are
banks or other financial institutions, and they can be the same institution or
be different
institutions respectively. When the first Funds-Management server and the
second
Funds-Management server is a different institutions, the loan and lending
process can be
realized by the way in this example.
[70] If the second Funds-Management server receives the loan returned by
the First Participant
within the target date, and the second Funds-Management server delivers a
notification to
the first Funds-Management server that the First Participant of the first
Funds-Management
server had returned the loan. The first Funds-Management server, in accordance
with the
above notification, release the amount of the funds equal to the loan of the
second
participant.
[71] If the first Funds-Management server fails to receive the notification
of the first participant
returning the loan from the second Funds-Management server at the end of the
target date,
it is determined that the second Funds-Management server does not receive the
loan
returned by the First Participation within the target date, the first Funds-
Management
server maintaining at least part of the funding of the Second Participant are
frozen.
[72] 202: the first Funds-Management server receives a message that the
Second Participant
agrees to replace the First Participant in return and pays the frozen funds of
the Second
Participant to the second Funds-Management server in the financial system.
[73] The Second Participant still fails to detect that the first Funds-
Management server
unfreezes the frozen money to the loan at the end of the target date, and to
avoid affecting
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creditworthiness, a message is sent to the first Funds-Management server that
is intended to
replace the First Participant to return the loan. The first Funds-Management
server receives
the message and delivers the frozen funds of the Second Participant into the
financial
system of the second Funds-Management server.
[74] Specifically, since this loan is equal to the loan directly issued by
the second
Funds-Management server to the First Participant, the First Participant needs
to pay the
second Funds-Management server the loan interest payable during the loan
period.
[75] Thus, the first Funds-Management server pays the Second Participant's
frozen funds which
equal to the loan and its loan interest into the financial system of the
second
Funds-Management server.
[76] In addition, although part of the funds of the Second Participant is
frozen during the loan of
the First Participant, it is still stored in the financial system of the first
Funds-Management
server, that is, the deposit status, and the first Funds-Management server
gives the Second
Participant the benefit of the Second Participant by issuing the frozen funds
during the
frozen period, which increases the benefit of the Second Participant.
[77] In addition, since the Second Participant take place of the First
Participant to return the
loan issued by the second Funds-Management server within a target date, it is
an act of
integrity. The first Funds-Management server includes the timely repayment
record of the
Second Participant in the bank credit system and enhance the ranking of the
Second
Participant in the bank integrity system to facilitate participation of the
Second Participant
in other activities of the Funds-Management server.
[78] Since the first participant fails to return the loan on the target
date, the second
Funds-Management server imposes deferred fine on the First Participant,
wherein the
deferred penalty is an increase in interest on loans extended during the
deferral of late fees
or/and deferred repayment. Correspondingly, the first Funds-Management server
pays the
Second Participant's frozen funds which equal to the loan, interest of loan
and deferred fine
into the financial system of the second Funds-Management server.
[79] Different from the existing technology, the first Funds-Management
server in this example
determines that the second Funds-Management server maintains a frozen state of
a part of
the funds of the Second Participant when the second Funds-Management server
does not
receive the First Participant loan within a target date; the first Funds-
Management server
receive a message that is willing to return the loan in place of the First
Participant; pays the
frozen funds of the Second Participant to the financial system of the second
Funds-Management server. By interposing the first Funds-Management server and
the
second Funds-Management server into the loans of the First Participant and the
Second
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Participant, the risk of the loan can be effectively reduced, and the safety
of the funds can
be guaranteed.
[80] Please refer to Figure 3, Figure 3 is a schematic flow chart of third
example of a data
interaction processing method according to the present invention. The data
interaction
processing method in this example includes the following steps:
[81] 301, the First Service Party determines that the data requester fails
to add the first data
value to the data unit of the Second Service Party before the target date,
keeping a lock
status of at least a part of the data within the data unit of the data
initiator.
[82] Wherein the first data value is delivered by the Second Service Party
to the data requester
according to a data certificate from a First Service Party, the data
certificate is opened by
the First Service Party according to the application of the data initiator and
locks the data in
the data unit of the data initiator that is not less than the size of the
first data value;
[83] Specifically, the data requester initiates a data requester of the
first data through the First
Server platform to data initiator. The data certificate is applied by the
first initiator to the
First Service Party, 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.
[84] The First Service Party opens the data certificate and locks the data
in the data unit of the
data originator according to the data certificate whose value is not less than
the first data
value, and delivers the data certificate to the Second Service Party. After
receiving the data
certificate, the Second Service Party delivers the first data to the data
requester, and require
the data requester to add the first data value to the data unit of the Second
Service Party
before the scheduled date.
[85] Wherein, the data certificate is equal to the first data value which
issued by the data
initiator to the data initiator after the First Service Party determines that
the data value in
the data unit of the data initiator is not less than the first data value, a
data certificate equal
to the first data value that is opened to the data initiator.
[86] If the data requester adds a first data value to a data unit of a
Second Service Party within a
target date, the Second Service Party receives the loan returned by the First
Participant; and
delivers a notification to the first Funds-Management server to inform the
first
Funds-Management server that the data initiator had returned the loan. The
First Service
Party will pay the data whose size corresponds to the first data value in the
data unit of the
data initiator.
[87] If the first Funds-Management server does not receive a notification
that the data requester
delivered by the second Funds-Management server has added the first data value
to the
data unit of the Second Service Party at the end of the target date, the First
Service Party is
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determined that the data requester does not add the first data value to the
data unit of the
Second Service Party before the target dated date and delivers to the data
initiator whether
or not and keeps the locked state of the data in the data unit of the data
initiator whose
value is not less than the size of the first data value.
[88] 302: The data initiator delivers to the First Service Party a message
that agrees to add a first
data value to the data unit of the Second Service Party in place of the data
requester;
[89] If at least part of the funds locked in the data requester's data unit
has not been settled at the
end of the target date, the data requester determines that the data requester
did not add the
first data value to the data unit of the Second Service Party prior to the
target date. To avoid
affecting creditworthiness, the data initiating party sends to the First
Service Party a
notification that is willing to add the first data value to the data unit of
the Second Service
Party in place of the data request.
[90] 303: the First Service Party receives the message and pays the locked
data of the data
initiator into the data unit of the Second Service Party, wherein the data
value of the
payment is equal to the value of the first data value and the value-added data
of the first
data value.
[91] In addition, since the first data delivered by the Second Service
Party directly to the data
requester, when the data requester needs to add the first data value to the
data unit of the
Second Service Party, the data requester needs to add the first data value to
the data unit, at
the same time it also need to increase the value-added to the first data from
the data unit.
Therefore, the number of locked value of the data initiator in First Service
Party is equal to
the first data value and the value-added data to the data unit of the Second
Service Party.
[92] In addition, since the data requester fails to add a first data value
to the data unit of the
Second Service Party in the target date, the data requester also adds the
delay data of the
first data value due to the extended period to the data unit of the Second
Service Party.
Therefore, the number of locked value of the First Service Party to the data
initiator is
equal to the first data value and the value-added data of the First Service
Party and to the
data unit of the Second Service Party.
[93] In another example, because the data initiator actively agrees to add
the first unit value to
the data unit of the Second Service Party in place of the data requester, it
is an act of
honesty, in order to increase data interaction between the Second Server and
the data
initiator, the service party also includes the data initiator's record of
adding the first data
value to the Second Service Party unit on time to the integrity system, and
increase the
grade of the data initiator in the integrity system.
[94] In addition, although part of the data units in the data initiator are
locked, the data initiator
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still owns them, and the First Service Party issues the data initiator with
added value of
frozen data during the freezing period.
[95] In another example, if the data initiator adds the first data value to
the Second Service
Party before the target date, the Second Service Party delivers a notification
to the First
Service Party that the First Service Party had added the first data value to
the Second
Service Party; the First Service Party receives the notification of the Second
Service Party,
and pays the data of the first data value which equal to the data in the data
unit of the data
initiator.
[96] Different from the existing technology, when the First Service Party
of this example
determines that the data requester fails to add the first data value to the
data unit of the
Second Service Party before a target date, the First Service Party of the
present example
and keeps a lock status of at least part of the data in the data unit of the
data initiator and
data initiator delivers the First Service Party a message of willing to add a
first data value
to the data unit of the Second Service Party in place of the data requester,
the fist service
party receives the message and pays the locked data of the data initiator to
the data unit of
the Second Service Party. Through the above method, the First Service Party
and the
Second Service Party are added to the data interaction process between the
data requester
and the data initiator, and data interaction occurs between both the data
requester and the
data initiator to additionally create at least two data relationship between
the two parties. It
increases the data relation and enriches the connotation of data interaction
so that when any
one of the data problems occur during the entire data interaction process, the
corresponding
data or data association relationship can still be restored by means of the
data interaction
between the other two parties. It is effectively prevent data loss and improve
data security
and data exchange stability.
[97] Different from the existing technology, when the data initiator fails
to add the first data
value to the unit of the Second Service Party before the target date, making
the delivers a
notification to the data unit of the data requester to add a first data value
to the data unit of
the Second Service Party on the Second target date, the data requester
receives the
notification, and adds a first data unit of the Second Service Party on the
Second target
date. The Second Service Party delivers a notification to the First Service
Party to inform
the First Service Party that the data requester has added the first data value
to the data unit
of the Second Service Party. The First Service Party receives the notification
delivered by
the Second Service Party and pays the data in the data unit of the data
initiator whose value
equal to the size of the first data value.
[98] Please refer to Figure 4, Figure 4 is a schematic flow chart of
another example of a data
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interaction processing method according to the present invention. The data
interaction
processing method in this example includes the following steps:
[99] 401, the First Service Party determines that the data requester fails
to add the first data
value to the data unit of the Second Service Party before the target date,
keeping a locking
status of at least a part of the data within the data unit of the data
initiator.
[100] Wherein the first data value is delivered by the Second Service Party
to the data requester
according to a data certificate from a First Service Party, the data
certificate is opened by
the First Service Party according to the application of the data initiator and
locks the data in
the data unit of the data initiator that is not less than the size of the
first data value;
[101] Specifically, the data requester initiates a data requester of the
first data through the First
Server platform to data initiator. The data certificate is applied by the
first initiator to the
First Service Party, 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.
[102] The First Service Party opens the data certificate and locks the data
in the data unit of the
data originator according to the data certificate whose value is not less than
the first data
value, then delivers the data certificate to the Second Service Party. After
receiving the data
certificate, the Second Service Party delivers the first data to the data
requester, and require
the data requester to add the first data value to the data unit of the Second
Service Party
before the scheduled date, wherein, the first data value is the value of the
first data.
[103] Wherein, the data certificate is equal to the first data value which
issued by the data
initiator to the data initiator after the First Service Party determines that
the data value in
the data unit of the data initiator is not less than the first data value, a
data certificate equal
to the first data value that is opened to the data initiator.
[104] If the data requester adds a first data value to a data unit of a
Second Service Party within a
target date, the second Funds-Management server receives the loan returned by
the First
Participant; and delivers a notification to the first Funds-Management server
that the data
initiator has added the data value. The first Funds-Management server will pay
the data
whose size corresponds to the first data value in the data unit of the data
initiator.
[105] If the first Funds-Management server does not receive a notification
that the data requester
delivered by the second Funds-Management server has added the first data value
to the
data unit of the Second Service Party in the target date, the First Service
Party is
determined that the data requester does not before the target date and
delivers to the data
initiator whether or not and keeps the locked state of the data in the data
unit of the data
initiator whose value is not less than the size of the first data value.
[106] 402: the First Service Party, after receiving a notification
delivered by the data initiator that
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it is willing to add a first data value to the data unit of the Second Service
Party in place of
the data requester, pays the locked data of the initiator to the data unit of
the Second
Service Party, wherein the value of the data to be paid equal to the values of
the first data
value and the value-added data of the first data value.
[107] If at least part of the funds locked in the data requester's data
unit has not been settled at the
end of the target date, the data requester determines that the data requester
did not add the
first data value to the data unit of the Second Service Party prior to the
target date. To avoid
affecting creditworthiness, the data initiating party sends to the First
Service Party a
notification that is willing to add the first data value to the data unit of
the Second Service
Party in place of the data request.
[108] The First Service Party receives the message and delivers the frozen
funds of the data
initiator to the data unit of Second Service Party, wherein, the payment value
of data is
equal to the first data value and value-added data of first data value.
[109] In addition, since the first data delivered by the Second Service
Party directly to the data
requester, when the data requester needs to add the first data value to the
data unit of the
Second Service Party, the data requester needs to add the first data value to
the data unit, at
the same time it also need to increase the value-added to the first data from
the data unit.
Therefore, the number of locked value of the data initiator in First Service
Party is equal to
the first data value and the value-added data to the data unit of the Second
Service Party.
[110] In addition, since the data requester fails to add a first data value
to the data unit of the
Second Service Party in the target date, the data requester also adds the
delay data of the
first data value due to the extended period to the data unit of the Second
Service Party.
Therefore, the number of locked value of the First Service Party to the data
initiator is
equal to the first data value and the value-added data of the First Service
Party and to the
data unit of the Second Service Party.
[111] In another example, because the data initiator actively agrees to add
the first unit value to
the data unit of the Second Service Party in place of the data requester, it
is an act of
honesty, in order to increase data interaction between the Second Server and
the data
initiator, the service party also includes the data initiator's record of
adding the first data
value to the Second Service Party unit on time to the integrity system, and
increase the
grade of the data initiator in the integrity system.
[112] In addition, although part of the data units in the data initiator
are locked, the data initiator
still owns them, and the First Service Party issues the data initiator with
added value of
frozen data during the freezing period.
[113] Different from the existing technology, when the First Service Party
of this example
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determines that the data requester fails to add the first data value to the
data unit of the
Second Service Party before a target date, keeps a lock status of at least
part of the data in
the data unit of the data initiator and receives the notification that the
data initiator is
willing to take place of data initiator to add the first data value to the
data unit of the
Second Service Party, the First Service Party receives the notification and
pays the locked
data of the data initiator to the data unit of the Second Service Party.
Through the above
method, the First Service Party and the Second Service Party are added to the
data
interaction process between the data requester and the data initiator, and
data interaction
occurs between both the data requester and the data initiator to additionally
create at least
two data relationship between the two parties. It increases the data relation
and enriches the
connotation of data interaction so that when any one of the data problems
occur during the
entire data interaction process, the corresponding data or data association
relationship can
still be restored by means of the data interaction between the other two
parties. It is
effectively prevent data loss and improve data security and data exchange
stability.
[114] Please refer to Figure 5, Figure 5 is a schematic structural diagram
of an example of a data
interaction processing system according to the present invention. The data
interaction
processing system in this example includes a data requesting Terminal 501, a
data initiating
Terminal 502, a First Server 503, and a Second Server 504,
[115] The First Server 503 determines that the data request terminal 501
fails to add the first data
value to the data unit of the Second Server 504 before the target date,
keeping a locking
status of at least a part of the data within the data unit of the data
initiator terminal 502.
[116] Wherein, the first data value is delivered by the Second Server 504
to the data requester
according to the data certificate from the First Server 503, where the data
certificate is
delivered by the First Server 503 according to the data initiating terminal
502 apply for and
lock the data in the data unit of the data initiating terminal 502 after the
data whose value is
not less than the size of the first data value is opened.
[117] The data initiator terminal 502 is used to deliver to the First
Server 503 a message that
agrees to add a first data value to the data unit of the Second Server 504 in
place of the data
request terminal 501.
[118] The First Server 503 is used to receive the message and pay the locked
data of the data
initiator terminal 502 to the data unit of the Second Server 504, wherein the
data value of
the payment is equal to the first data value and the data of value-added in
the first data.
[119] Different from the existing technology, the First Server in the
present invention determines
the data request terminal fails to add the first data value in the data unit
of Second Server
before the target date, keeping at least part of the data is locked in the
data unit of data
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initiator terminal, the data initiator terminal deliver the notification of
adding the first data
value to data unit of Second Server, the First Server receives the
notification and deliver
the locked data of data initiator terminal to the data unit of Second Server,
wherein, the
payment data value including the first data value and value-added data of
first data.
Through the above method, during the data interaction process between the data
requester
terminal and data initiating terminal, the First Server and the Second Server
are added,
making the server interact with the data initiating terminal and data
requesting terminal,
and additionally create at least two data relationship between the two
parties. It increases
the data relation and enriches the connotation of data interaction so that
when any one of
the data problems occur during the entire data interaction process, the
corresponding data
or data association relationship can still be restored by means of the data
interaction
between the other two parties. It is effectively preventing data loss and
improve data
security and data exchange stability.
[120] Please refer to Figure 6, it is a schematic structural diagram of an
example of a server
according to the present invention. The server in this example includes a
locking module
601, a receiving module 602, and a deliver module 603,
[121] The locking module 601 is used to when the First Server determines that
the data request
terminal fails to add the first data value to the data unit of the Second
Server before the
target date, keeping a locking status of at least a part of the data within
the data unit of the
data initiator terminal.
[122] The first data value is sent by the Second Server to the data requester
according to the data
credential from the First Server, where the data credential is sent by the
First Server
according to the data initiation terminal apply for and lock the data in the
data unit of the
data initiating terminal after the data whose value is not less than the size
of the first data
value is opened.
[123] The receiving module 602 is used to receive a notification delivered
by the data initiating
terminal that it is willing to add a first data value to the data unit of the
Second Server in
place of the data requesting terminal.
[124] Delivery module 603 is used to add the data of the first data value
which equal to the data
in the data unit of data initiator to the data unit of the second service
terminal.
[125] Different from the existing technology, the locking module is used to
when the First Server
determines that the data request terminal fails to add the first data value to
the data unit of
Second Server before the target date, keeping the value in the data unit of
data initiator
terminal not less than the locked status of first data value, the receiving
module is used to
receive the notification of willing to add the first data value to data unit
of Second Server
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in place of data request terminal, the delivery module is used to deliver the
locked data in
the data initiator terminal to the data unit of Second Server, wherein, the
payment data
value is equal to the first data value and value-added of first data value.
Through the above
method, the First Server and the Second Server are added to the data
interaction process
between the data requesting terminal and the data terminal, and data
interaction occurs
between both the data requesting terminal and the data initiating terminal to
additionally
create at least two data relationship between the two parties. It increases
the data relation
and enriches the connotation of data interaction so that when any one of the
data problems
occur during the entire data interaction process, the corresponding data or
data association
relationship can still be restored by means of the data interaction between
the other two
parties. It is effectively prevent data loss and improve data security and
data exchange
stability.
[126] The above is only an example of the present invention and is not
intended to limit the
scope of the invention as a matter of limitation, either by way of equivalent
construction or
equivalent process transformation using the present specification and the
accompanying
drawings, directly or indirectly used in other related technical fields, which
are included in
the scope of the patent protection of the present invention.
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