Note: Descriptions are shown in the official language in which they were submitted.
LENDING METHOD, AND DATA INTERACTION PROCESSING METHOD, DEVICE AND
SYSTEM
Technical Field
[0001] The present invention relates to the field of credit, and in
particular, to a borrowing
method, data interaction processing method, device and system.
Background Technology
[0002] With the 2G / 3G eras upon us and the 4G era coming, as well as the
widespread of
availability of WiFi hotspots, the advent of the era of big data is today. All
the user's daily
behaviour can theoretically achieve processing a variety of data by means of
the network
constructed by mobile data networks provided by major operators, wireless
local area networks
such as WiFi and Internet technology. Therefore, the network environment has
advantages over
the offline environment present in the real world in terms of user-
friendliness. However, there is
no effective solution as to how to use the network to guarantee data
interactions and reduce risks.
[0003] 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 executed between individuals or an individual may
borrow from a
bank. However, the borrowing activity between individuals is usually agreed
upon by the
borrower and the lender through oral or written agreement. After the borrower
provides the
borrower's assets, due to the lack of financial guarantee and regulatory
mechanism, the lender
may be subjected to great risk. Additionally, the problems of the loan
activity between
individuals and banks are complex processes of collecting individual
information, which require
manual intervention and the bearing of financial risk by banks. Therefore,
there is a need to
provide a new borrowing method and data interaction processing mechanisms to
meet users'
needs for online borrowing.
Summary
[0004] 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).
[0005] In order to solve the above technical problem, one technical solution
adopted by the
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present invention is to provide a lending method, which includes: the First
Participant based on
the Second Participant and Third Participant belongs to the same project
initiates the first
borrowing request and second borrowing request, and respectively applies to
the first Funds-
Management server for opening an electronic commitment payment certificate;
wherein a
borrowing value is less than a borrowing value of the first and second
borrowing request, the
sum is respectively more than a first borrowing value and the second borrowing
request; the
electronic commitment payment certificate applied to the first Funds-
Management server based
on the account funds or the credit limit thereof as a guarantee of the First
Participant and opened
by the first Funds-Management server; The first Funds-Management server,
according to the
electronic commitment payment certificate opened by the first Funds-Management
server, froze
the funds of the First Participant which value equal to the electronic
commitment payment
certificate; The second Funds-Management server receives the electronic
commitment payment
certificate opened by the first Funds-Management server and issues the first
part of the funds of
the borrowing value in the first borrowing request which equal to the frozen
funds delivered by
the Second Participate, and delivers the funds of the second part in the
frozen funds delivered by
the Third Participant; wherein, the total value of funds in the first part and
the second part is
equal to the frozen funds, and the funds value in the second part is less than
the borrowing value
of the second borrowing request; and the second Funds-Management sever based
on the
remaining loan request initiated by the Third Participant delivered the third
funds to the Third
Participant; wherein, the total value of the funds in the second and third
part is equal to
borrowing value of the second borrowing request, and the funds in the first,
second and third part
is returned by the second Funds-Management sever within the scheduled time.
[0006] 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 First Participant's application according to the first
borrowing request and the
second borrowing request initiated by the Second Participant and the Third
Participant
respectively and opens the corresponding electronic commitment payment
certificate and the
electronic commitment payment certificate. The value of electronic commitment
payment
certificate is less than the borrowing value of the first and second borrowing
request, and the sum
is respectively more than borrowing value of the first borrowing request and
the borrowing value
of the second borrowing request; The electronic promise payment certificate is
that the First
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Participant applies to the first Funds-Management server with its account fund
or credit limit as a
guarantee and is opened by the first Funds-Management server; according to the
electronic
commitment payment certificate, the First Participant's funds equal to the
value of the electronic
commitment payment certificate are frozen. Delivered the electronic payment
commitments to
second Funds-Management server, making the second Funds-Management server
issues the first
part of the borrowing value of the frozen funds equal to the first borrowing
request in the frozen
fund to the Second Participant, and issues the second part of the funds in the
frozen fund to the
Third Participant. The total value of the first part of the funds and the
second part of the funds is
equal to the freezing funds, and the second part of the funds value is less
than the second
borrowing request borrowing value; wherein, the first, second part of the
funds is set up by the
second Fund-Management server to be returned within the scheduled time.
[0007] In order to solve the above technical problem, another technical
solution adopted by the
present invention is to provide a lending method, wherein the method includes:
the second
Funds-Management server received the electronic commitment payment certificate
opened by
the request of the First Participant; wherein the application is issued by the
First Participant to
the first Funds-Management server according to the first borrowing request and
the second
borrowing request initiated by the Second Participant and the Third
Participant respectively in
the same project, wherein the value of the electronic commitment payment
certificate is less than
a borrowing value of the first and second borrowing request, the sum is
respectively more than a
first borrowing value and the second borrowing request; The electronic
commitment payment
certificate applied to the first Funds-Management server based on the account
funds or the credit
limit thereof as a guarantee of the First Participant and opened by the first
Funds-Management
server; the first Funds-Management server, according to the electronic
commitment payment
certificate, and issues the first part of the funds of the borrowing value in
the first borrowing
request which equal to the frozen funds delivered by the Second Participate,
and delivers the
funds of the second part in the frozen funds delivered by the Third
Participant; wherein, the total
value of funds in the first part and the second part is equal to the frozen
funds, and the funds
value in the second part is less than the borrowing value of the second
borrowing request; and
based on the remaining loan request initiated by the Third Participant
delivered the third funds to
the Third Participant; wherein, the total value of the funds in the second and
third part is equal to
borrowing value of the second borrowing request, and the funds in the first,
second and third part
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is returned by the second Funds-Management sever within the scheduled time.
[0008] 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 data initiator separately applies to the First Service Party
according to the first
data requester and the second data requester respectively initiated by the
first data requester and
the second data requester regarding obtaining the same target data. The First
Service Party opens
the corresponding data certificate; wherein, the data value represented by the
data certificate is
less than the first and second data value, and respectively more than data
value of first data and
second data; the data certificate is a quantitative tool for the pre-
established data association
relationship between the data initiator and the service party. The First
Service Party, according to
the data certificate issued by the first party, locks the data in the data
unit of the data initiator and
the data value of the data represented by the data certificate. The Second
Server receives the data
certificate issued by the First Server and adds a first part data value of the
data value in the first
data which equal to the data unit in the first data requester unit and add the
second part of the
data value to the second data unit data unit; wherein the sum of the first
part data value and the
second part data value is equal to the data value of the locked data and the
second part data value
is less than the data value of the second data; and the Second Service Party
adds the data value
equal to the data size of the third part according to the data requester
initiated by the second data
requester to increase the data value equal to the data size of the third part
of the data requester,
and adds the data value to the second data requester party data unit; wherein
a sum of data values
of the first, second, and third part data is the first data value and is set
by the Second Service
Party to be returned within a scheduled time.
[0009] In order to solve the technical problem, another technical solution
adopted by the
present invention is to provide a data interaction processing system,
including: a first data
requesting terminal is used to initiate a first data requester to its data
unit to increase the value of
the first data of the first data requester; The second data requesting
terminal is used to initiate a
second data requester that needs to add a second data value to its data unit;
wherein, the first data
value and the second data value belongs to the same target data; The data
initiating terminal is
used for the application of the data certificate in accordance with the first
data requester and the
second data requester; The First Server is used for issuing data certificate
based on the data
initiating terminal. According to the data certificate issued by the data
unit, locked the data
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which equal to sum of the data value represented by the data certificate in
the data unit of data
initiator; wherein, the data value represented by the data certificate is less
than the data value of
the first and second data, the sum is respectively more than data value of
first data and second
data; the data certificate is a quantitative tool for the pre-established data
association relationship
between the data initiator and the service party; the Second Server is used
for receiving the data
certificated opened by First Service Party, and add the first data value which
equal to the data
value of first data to data unit of first data requester, and add the second
data value which equal
to the data value of second data to data unit of second data requester; and
based on the data
request adding the data value which equal to the third part data to second
data requester, and add
the data value which equal to the third part data to data unit of second data
requester; wherein the
sum of the first part data value and the second part data value is equal to
the data value of the
locked data, and the second part data value is less than the data value of the
second data; and the
first, second and third part data. The sum of the data values of the first,
second, and third part
data is the first data value and is set by the Second Service Party to be
returned within a schedule
time.
[0010] 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 Service Party based on the received by data initiator
that the first data
requesting initiates to the data unit to add the first data requester of first
data and the second data
requester initiates the request to the data unit to add the second data
requester of the second data
value and opens the data certificate; wherein the data value of the first and
second data belongs
to the same target data; the data value represented by data certificate is
less than the first and
second data value, the sum is more than data value of first data and second
data; the data
certificate is a quantitative tool for the pre-established data association
relationship between the
data initiator and the service party. According to the data certificate issued
by the first party,
locks the data in the data unit of the data initiator and the data value of
the data represented by
the data certificate; and delivers the data certificate to the Second Service
Party, making the
Second Service Party adds a first part data value of the data value in the
first data which equal to
the data unit in the first data requester unit and add the second part of the
data value to the
second data unit data unit; wherein the sum of the first part data value and
the second part data
value is equal to the data value of the locked data and the second part data
value is less than the
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data value of the second data.
[0011] 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 including:
The data initiator opening module is used to according to the data initiator
receive the first data
requester and initiates the request to add the first data requester of the
first data value to its data
unit and the second data requester initiates the request to the data unit to
add the second data
requester of the second data value to its data unit and opens the data
certificate; wherein, the first
data value and the second data value belongs to the same target data; the data
value represented
by the data certificate is less than the data value of the first and second
data, the sum is
respectively more than the data of the first data value and the data of the
second data value; the
data certificate is a quantitative tool for the pre-established data
association relationship between
the data initiator and the service party. The process module, according to the
data certificate
issued by the first party, locks the data in the data unit of data requester
which equal to the data
value requested by the data certificate; and the delivery module is used to
deliver the data
certificate to the Second Service Party, making the Second Service Party adds
a first part data
value of the data value in the first data which equal to the data unit in the
first data requester unit
and add the second part of the data value to the second data unit data unit;
wherein the sum of the
first part data value and the second part data value is equal to the data
value of the locked data
and the second part data value is less than the data value of the second data.
[0012] 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 Second Service Party receives the First Service Party to
correspondingly open the
data certificate based on the application of the data initiator. Wherein, the
request is the data
initiator respectively receives the first initiator initiates the request to
its data unit to add the first
data value of the first data requester and the second data requester initiates
the request to its data
unit to add the second data vale of the second data requester, the first data
value and the second
data value belongs to the same data; wherein the data value represented by
data certificate is less
than the data value of the first and second data, the sum is more than the
data of the first data
value and the data of the second data value; the data certificate is a
quantitative tool for the pre-
established data association relationship between the data initiator and the
service party. Adds a
first part data value of the data value in the first data which equal to the
data unit in the first data
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requester unit and add the second part of the data value to the second data
unit data unit; wherein
the sum of the first part data value and the second part data value is equal
to the data value of the
locked data and the second part data value is less than the data value of the
second data; and
increases the data value equal to the data size of the third part according to
the data requester
initiated by the second data requester to increase the data value equal to the
data size of the third
part of the data requester, and increases the data value to the second data
requester party data
unit; wherein a sum of data values of the first, second, and third part data
is the first data value
and is set by the Second Service Party to be returned within a scheduled time.
[0013] In order to solve the technical problem, another technical solution
adopted by the
present invention is to provide a data interaction processing device,
including: receiving module
is used to receive the First Service Party based on the request of the data
initiator and opens the
corresponding data certificate; wherein, the request is the data initiator
respectively receive the
request of first data requester to add the first data value of the first data
requester to its data unit
and the second data initiator initiates the request to its data unit to add
the second data value of
the second data requester. The first data value and the second data value
belongs to the same
target data; wherein the data value represented by the data certificate is
less than the first and
second data value, the sum is more than the data of the first data value and
the data of the second
data value; the data certificate is a quantitative tool for the pre-
established data association
relationship between the data initiator and the service party. The delivery
module adds a first part
data value of the data value in the first data which equal to the data unit in
the first data requester
unit and add the second part of the data value to the second data unit data
unit; wherein the sum
of the first part data value and the second part data value is equal to the
data value of the locked
data and the second part data value is less than the data value of the second
data; and increases
the data value equal to the data size of the third part according to the data
requester initiated by
the second data requester to increase the data value equal to the data size of
the third part of the
data requester, and increases the data value to the second data requester
party data unit; wherein
a sum of data values of the first, second, and third part data is the first
data value and is set by the
Second Service Party to be returned within a scheduled time.
[0014] 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
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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.
Brief Description of the Drawings
[0015] Figure 1 is a lending method in a first example of the present
invention;
[0016] Figure 2 is a schematic flowchart of a lending method in a second
example of the
present invention;
[0017] Figure 3 is a schematic flowchart of a lending method in a third
example of the present
invention;
[0018] Figure 4 is a schematic flowchart of a lending method in a fourth
example of the
present invention;
[0019] Figure 5 is a schematic flow chart of a data interaction processing
method in a first
example of the present invention;
[0020] Figure 6 is a schematic flowchart of a data interaction processing in a
second example
of the present invention;
[0021] Figure 7 is a schematic flowchart of a data interaction processing
method in a third
example of the present invention;
[0022] Figure 8 is a schematic structural diagram of a data interaction
processing system in an
example of the present invention;
[0023] Figure 9 is a schematic structural diagram of a data interaction
processing device in a
first example of the present invention;
[0024] Figure 10 is a schematic structural diagram of a data interaction
processing device in a
second example of the present invention.
Detailed Description
[0025] The present invention will be described in detail below with reference
to the
accompanying drawings and examples.
[0026] 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:
[0027] Step S10, the First Participant based on the Second Participant and
Third Participant
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which belongs to the same project and initiates the first borrowing request
and second borrowing
request, and applies to the first Funds-Management server for opening an
electronic commitment
payment certificate. Wherein the value of the electronic commitment payment
certificate is less
than the sum of the loan values requested by the first and the second borrower
and respectively
greater than the borrowing value of the first borrowing request and the
borrowing value of the
second borrowing request. 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 limit
as a guarantee and is opened by the first fund Funds-Management server.
[0028] In the method of the present invention, the First Participant is a loan
initiator, and the
Second and Third Participant is a borrower.
[0029] Please refer to Figure 2, further, step S10, that is, the First
Participant based on the
Second Participant and Third Participant which belongs to the same project and
initiates the first
borrowing request and second borrowing request, and applies to the first Funds-
Management
server for opening an electronic commitment payment certificate, the concrete
steps are achieved
through the following steps:
[0030] Step SlOa, the Second Participant and the third Participant
respectively initiate the first
borrowing request and the second borrowing request under the same project
through a server
platform.
[0031] 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.
[0032] 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. The First
Participant
receives the first borrowing request and second borrowing request, and applies
to the first Funds-
Management server according to the first borrowing request and second
borrowing request, and
opens the electronic commitment payment certificate by the first Funds-
Management server.
[0033] 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.
[0034] Step 511, the first Funds-Management server, according to the
electronic commitment
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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.
[0035] 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.
[0036] Step S12, the second Funds-Management server receives the electronic
promised
payment certificate opened by the first Funds-Management server and issues the
first part of the
funds in the frozen funds corresponding to the borrowing value of the first
borrowing request to
the Second Participant, the third party issues the second part of the frozen
funds. Wherein the
sum of the value of the first part of the funds and the second part of the
funds corresponds to the
frozen funds, and the value of the second part of the funds is less than the
value of the second
borrowing request.
[0037] 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.
[0038] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[0039] Step S13, the second Funds-Management server issues a third fund to the
Third
Participant according to the remaining loan request initiated by the third
party. Wherein the sum
of the value of the second part of funds and the third fund is equal to the
value of the second
borrowing request, the first, second part of the funds and third funds are set
up by the second
Funds-Management server to be returned within a schedule time.
[0040] Further, the second Funds-Management server also performs credit
evaluation on the
Third Participant before issuing the third fund to the Third Participant, and
issues the third fund
when the third fund is approved.
[0041] For example, the first borrower issues a first borrowing request of
lending 80,000, the
second borrower issues a second borrowing request of borrowing 100,000, and
the loan initiator
receives the first and second borrowing requests and applies to the first bank
for opening an
electronic commitment payment certificate. Wherein, the value of the
electronic commitment
payment certificate is equal to 150,000, which is less than the sum of the
loans of the first
borrowing request and the second borrowing request, and is greater than the
loan of first
Date Recue/Date Received 2022-03-04
borrowing request or second borrowing request. The first bank opens the
electronic commitment
payment certificate according to the application of the first loan initiator
and, according to the
electronic promised payment certificate, freeze the funds in the first bank of
the loan initiator,
wherein the value of the frozen funds is equal to the value of electronic
commitment payment
certificate. For example, freezing 150,000 of the loan initiator in bank
deposits as a guarantee
for the loan initiator. Then, the second bank receives the electronic
commitment payment
certificate opened by the first bank and allocates the 150,000 according to
the borrowing
requests of the first borrower and the second borrower, for example, 80,000
of the 150,000
funds to the first borrower, the remaining Y70,000 will be released to the
second borrower, the
first borrower succeeds in borrowing, and the second borrower requests the
bank for the
remaining part of the loan, and the bank gives 30,000 of the funds to the
second borrower when
the credit assessment of the second borrower is qualified. As another example,
for example, the
second bank issues 100,000 of the 150,000 funds to the second borrower and
the remaining
50,000 to the first borrower, the second borrower borrows successfully. The
first borrower
make a loan request separately for the remaining part of the loan to the bank,
the bank issues
30,000 funds to the first borrower when the first borrower's credit
evaluation is qualified.
[0042] For the loan, the deposit of 150,000 in the bank are not lent to the
borrower by the
bank, but simply frozen by the bank. The 150,000 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 150,000 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
borrowed 90,000
funds borrowed by the borrower were frozen 150,000 as a guarantee of storage,
the risk is not
borne by the bank, 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 borrowing is
successfully
completed, it can increase potential customers and obtain more information of
the customer, and
gain the additional benefits due to the whole loan process.
[0043] In the above solution, when receiving the borrower's borrowing request
of the Second
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and Third participant, the First Participant applies to the first Funds-
Management server for
opening a commitment payment certificate less than the sum of requested
borrowing value, and
after first Funds-Management server opens an electronic commitment payment
certificate,
freezes the funds of the First Participant and the second Funds-Management
server based on the
electronic commitment payment certificate delivers the funds which value is
equal to the
borrowing value of the Second and Third Participant, and at the same time the
second Funds-
Management server delivers the remaining loan directly to the Third
Participant. Thus, using the
Funds-Management server as an intermediary platform between the Third
Participant and
participant, the participant guarantees to the Funds-Management server and the
Funds-
Management server issues the loan to the Third Participant, thereby reducing
the risk of the
borrowing process.
[0044] 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:
[0045] Step S20, the first Funds-Management server receives an application
which the First
Participant based on the Second Participant and Third Participant which
belongs to the same
project and initiates the first borrowing request and second borrowing
request, and applies to
open an electronic commitment payment certificate. Wherein the value of the
electronic
commitment payment certificate is less than the sum of the loan values
requested by the first and
the second borrower and respectively greater than the borrowing value of the
first borrowing
request and the borrowing value of the second borrowing request. 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 limit as a guarantee and is opened by
the first fund Funds-
Management server.
[0046] In the method of the present invention, the First Participant is a loan
initiator, and the
Second and Third Participant is a borrower.
[0047] Step S21, the Funds-Management server, according to its electronic
commitment
payment certificate, freezes the value of First Participant's funds which is
equal to the electronic
commitment payment certificate.
[0048] The frozen fund is respectively 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
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server.
[0049] Step S22, the electronic promised payment certificate delivered to the
second Funds-
Management server and issues the first part of the funds in the frozen funds
corresponding to the
borrowing value of the first borrowing request to the Second Participant, the
third party issues
the second part of the frozen funds. Wherein the total value of funds in the
first part and second
part is equal to the frozen funds, which is set by the second Funds-Management
server to be
returned within a schedule time.
[0050] 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.
[0051] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[0052] Further, the second Funds-Management server issues a third fund to the
Third
Participant according to the remaining borrowing request initiated by the
Third Participant.
Wherein the sum of the value of the first, second and third funds is equal to
the borrowing value
of the borrowing request, and first, second third funds are set up by the
second Funds-
Management server to be returned within a schedule time.
[0053] Referring to Figure 4, it is a schematic flowchart of a borrowing
method in a fourth
example of the present invention. The method flow shown in this example
includes:
[0054] Step S30, 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 First Participant based on the Second
Participant and Third
Participant initiates the first borrowing request and second borrowing request
and belongs to the
same project and the application is delivered by first Funds-Management
server, the value of the
electronic commitment payment certificate is less than the total value of the
first and second
borrower, and respectively more than the borrowing value of the first
borrowing request and
second borrowing request. 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 limit
as a guarantee and is opened by the first fund Funds-Management server.
[0055] Step S31, issues the first part of the funds in the frozen funds
corresponding to the
borrowing value of the first borrowing request to the Second Participant,
deliver the frozen funds
13
Date Recue/Date Received 2022-03-04
in the second part to the third party. Wherein the sum of the value of the
first part of the funds
and the second part of the funds corresponds to the frozen funds, and the
value of the second part
of the funds is less than the value of the second borrowing request.
[0056] Step S32, issues a third fund to the Third Participant according to the
remaining loan
request initiated by the third party. Wherein the sum of the value of the
second part of funds and
the third fund is equal to the value of the second borrowing request, the
first, second part of the
funds and third funds are set up by the second Funds-Management server to be
returned within a
schedule time.
[0057] 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:
[0058] Step S40, the data initiator separately applies to the First Service
Party according to the
first data requester and the second data requester respectively initiated by
the first data requester
and the second data requester for obtaining the same target data and the First
Service Party opens
data certificate. Wherein, the data value represented by the data certificate
is smaller than the
data value of the first data and the second data, and is greater than the data
value of the first data
and the data value of the second data respectively. The data certificate is a
quantitative tool of a
pre-established data association relationship between the data initiator and
the service party.
[0059] Step S41, the First Service Party locks, according to the data
certificate opened by the
First Server, the data in the data unit of the data initiator equal to the
data value represented by
the data certificate.
[0060] Specifically, the data requester initiates a data request of the first
and second data
through the First Server platform.
[0061] Step S42, the Second Service Party receives the data certificate opened
by the First
Service Party and add the first part of the data value in the data unit which
equal to the first data
value to the first data requester, and add the second part of the data value
of the data unit in the
second data requester. Wherein the sum of the first part data value and the
second part data value
is equal to the data value of the locked data, and the second part data value
is less than the data
value of the second data.
[0062] Specifically, the first data initiator opens a data certificate that is
less than the first data
value to the service party through the Second Server platform.
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Date Recue/Date Received 2022-03-04
[0063] Wherein, the First Server platform and the Second Server platform can
be the same
server platform or different server platforms.
[0064] Further, the First Server platform and the Second Server platform can
be an e-
commerce platform, and the data requestor may also access to 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.
[0065] In step S43, the Second Service Party based on the second data
requester initiates
adding the data requester which equal to the third part data value, adds the
data value which
equal to the third part data unit to the second data initiator. Wherein, the
sum of the data values
of the first, second, and third part data is the first data value, and is set
by the Second Service
Party to be returned within a schedule time.
[0066] 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:
[0067] Step S50, the First Service Party initiates, according to the first
data requester received
by the data initiator, a first data requester that needs to add a first data
value to its data unit and
the second data requester initiates a data certificate that requires a second
data requester to add a
second data value to its data unit. Wherein the first data value and second
data value belongs to
the same data, the data value represented by the data certificate is smaller
than the data value of
the first data and the second data, and is greater than the data value of the
first data and the data
value of the second data respectively. The data certificate is a quantitative
tool of a pre-
established data association relationship between the data initiator and the
service party.
[0068] Specifically, the data requester initiates corresponding data request
of the first and
second data through the First Server platform. The first data initiator opens
a data certificate that
is less than the first data value to the service party through the Second
Server platform.
[0069] Wherein, the First Server platform and the Second Server platform can
be the same
server platform or different server platforms.
[0070] 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 data initiator responds to the data request through the e-commerce
platform to open the data
Date Recue/Date Received 2022-03-04
certificate to the First Service Party.
[0071] 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 represented by data
certificate.
[0072] Step S52, delivers the data certificate to the Second Service Party,
making the Second
Service Party adds the data value equal to the data of the first part to the
data requester data unit.
Wherein the sum of the first part data value and the second part data value is
equal to the data
value of the locked data, and the second part data value is less than the data
value of the second
data.
[0073] 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:
[0074] Step S60, the Second Service Party receives the data certificate opened
by the Service
Party according to the application of the first data initiator. Wherein, the
application receives the
first data requester respectively for the data requester initiates the first
data requester that needs
to add a first data value to its data unit and the second data requester
initiates the second data
requester that needs to add a second data value to its data unit issued by the
data requester, the
first data value and the second data value belong to a same target data, the
data value represented
by the data certificate is less than the total value of first and second data
value, and respectively
more than the data value of first data and second data. The data certificate
is a quantitative tool
of a pre-established data association relationship between the data initiator
and the service party.
[0075] Step S61, add a first part data value equal to the data value of the
first data to the first
data requester data unit, and add a second part data value to the second data
requester data unit.
Wherein the sum of the first part data value and the second part data value is
equal to the data
value of the locked data, and the second part data value is less than the data
value of the second
data.
[0076] Step S62, based on the second data requester initiates adding the data
requester which
equal to the third part data value, adds the data value which equal to the
third part data unit to the
second data requester. Wherein, the sum of the data values of the first,
second, and third part data
is the first data value, and is set by the Second Service Party to be returned
within a schedule
time.
[0077] 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
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Date Recue/Date Received 2022-03-04
includes a data requesting terminal 71, a second data initiating terminal 72,
data initiating
terminal 73, a first server 74, and a second server 75.
[0078] This first data requesting terminal 71 is used to initiate a first data
requester that needs
to add a first data value to its data unit.
[0079] This second data requesting terminal 72 is used to initiate a first
data requester that
needs to add a second data value to its data unit.
[0080] Wherein the first data value and the second data value belong to a same
target data.
[0081] The first data requesting terminal 71 and the second data requesting
terminal 72 initiate
a data requester through the first server platform.
[0082] The first data initiator terminal 73 is used to submit an application
for opening a data
certificate according to the first data requester and second data requester.
[0083] Specifically, the first data initiator terminal 73 opens the data
certificate to the first
server 74 through the second server platform.
[0084] Wherein, the First Server platform and the Second Server platform can
be the same
server platform or different server platforms.
[0085] Further, the first server platform and the second server platform can
be an E-commerce
platform, and the first data requesting terminal 71 and second data requesting
terminal 72 may
also access to the E-commerce platform through an application installed in the
smart terminal to
initiate the initiation of the data request. The data initiator terminal 73
requests the first service
provider 74 apply for the data certificate through the E-commerce platform
respond to data
request.
[0086] The First Server 74 is used to open correspondingly, according to an
application of the
data initiator terminal 73, a data certificate and lock the data which the
value is equal to the
represented data certificate in the data unit of the data initiator terminal
according to the data
certificate opened by the First Server. Wherein the data value represented by
the data certificate
is smaller than the data value of the first data and the second data, and is
greater than the data
value of the first data and the data value of the second data respectively.
The data certificate is a
quantitative tool of a pre-established data association relationship between
the data initiator and
the service party.
[0087] The Second Server 75 is used to receive the data certificate opened by
the First Service
Party and add the first part of the data value in the data unit which equal to
the first data value to
17
Date Recue/Date Received 2022-03-04
the first data requester, and add the second part of the data value of the
data unit in the second
data requester. And based on the second data requester initiates adding the
data requester which
equal to the third part data value, adds the data value which equal to the
third part data unit to the
second data requester.
[0088] Wherein the sum of the first part data value and the second part data
value is equal to
the data value of the locked data, and the second part data value is less than
the data value of the
second data. The sum of the data values of the first, second, and third part
data is the first data
value, and is set by the Second Service Party to be returned within a schedule
time.
[0089] 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.
[0090] In other examples, the First Server 73 and the Second Server 74 are
first Funds-
Management server, which can be a bank.
[0091] Please refer to Figure 9, it is a data interaction processing device
according to an
example of the present invention. The data interaction processing Device 80
includes a data
certificate opening module 81, a processing module 82 and a delivery module
83. In the present
example, the Device 80 operates in a banking system.
[0092] The data certificate opening module 81 is used to according to the
first data requester
received by the data initiator, a first data requester that needs to add a
first data value to its data
unit and the second data requester initiates a corresponding data certificate
that requires a second
data requester to add a second data value to its data unit. Wherein the first
data value and second
data value belongs to the same data, the data value represented by the data
certificate is smaller
than the data value of the first data and the second data, and is greater than
the data value of the
first data and the data value of the second data respectively. The data
certificate is a quantitative
tool of a pre-established data association relationship between the data
initiator and the service
party.
[0093] Specifically, the data certificate opening module 81 receives the data
certificate opened
by the first data initiator terminal through a server platform.
[0094] The processing module 82 is used to 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 represented by data
certificate.
[0095] The issuing module 83 is used to deliver the data certificate to the
Second Service
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Date Recue/Date Received 2022-03-04
Party, making the Second Service Party adds the data value equal to the data
of the first part to
the data requester data unit. Wherein the sum of the first part data value and
the second part data
value is equal to the data value of the locked data, and the second part data
value is less than the
data value of the second data.
[0096] Further, for the remaining data, the Second Service Party based on the
second data
requesting terminal initiates adding the data requester which equal to the
third part data value,
adds the data value which equal to the third part data unit to the data
requester. Wherein, the sum
of the first, second and third data value is first data value. The Second
Server 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
within a scheduled time.
[0097] 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.
[0098] The receiving module 91 is used to receive the corresponding data
certificate opened by
the First Service Party according to the application of the data initiator.
Wherein, the application
receives the first data requester respectively for the data requester
initiates the first data requester
that needs to add a first data value to its data unit and the second data
requester initiates the
second data requester that needs to add a second data value to its data unit
issued by the data
requester, the first data value and the second data value belong to a same
target data, the data
value represented by the data certificate is less than the total value of
first and second data value,
and respectively more than the data value of first data and second data. The
data certificate is a
quantitative tool of a pre-established data association relationship between
the data initiator and
the service party.
[0099] The issuance module 92 is used to add a first part data value equal to
the data value of
the first data to the first data requester data unit, and add a second part
data value to the second
data requester data unit. And based on the second data requester initiates
adding the data
requester which equal to the third part data value, adds the data value which
equal to the third
part data unit to the second data requester.
[0100] Wherein the sum of the first part data value and the second part data
value is equal to
the data value of the locked data, and the second part data value is less than
the data value of the
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Date Recue/Date Received 2022-03-04
second data. The sum of the data values of the first, second, and third part
data is the first data
value, and is set by the Second Service Party to be returned within a schedule
time.
[0101] The present invention provides a borrowing method, a data interaction
processing
method, a device, 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 first and second data requester needs the first and second
data request, it opens
corresponding a data certificate and data value is less than the sum of first
and second data
initiator 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 first and
second data requester data
unit. During the process of data interaction, since the service provider is
added to the data
initiator (First Participant) and the data requester (Second and Third
Participant), and the
relationship of interaction between the data initiator and the service
provider, the service
provider and the data requester are established. 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.
[0102] 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.
Date Recue/Date Received 2022-03-04
