Note: Descriptions are shown in the official language in which they were submitted.
ONLINE 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
[0002] Private lending is divided into private personal loans and loans
between citizens and
financial enterprises. As private lending is mostly conducted in the semi-
public or even secret
circumstances, both the borrower and the lender generally test the so-called
reputation
maintenance, incomplete credit procedures, lack of secured mortgages and
unreliable legal
guarantees. In the event of a change of circumstances, the lender is very
likely that the money lent
to the borrower will not be recoverable.
[0003] With the development of Internet technology and especially mobile
Internet
technology, users can connect to the Internet through mobile devices using 2G,
3G, 4G or WiFi to
conduct transactions and social activities. Users can conveniently and
effectively perform online
activities, this is an incomparable experience with offline. As a result, it
is necessary to provide an
online-based loan method.
[0004] Further, since users can realize various ways of data interaction
through the Internet, it
is necessary to provide an online data interaction processing method.
Summary
[0005] It is an object of the present invention to provide an online
lending method.
[0006] An online lending method provided by the present invention, the
method includes: a
First Participant and a Second Participant submits a first loan request and a
second loan request; a
Third Participant receives the first loan request and a second loan request
respectively, thereafter
respectively submitting a credit certificate application to the first Funds-
Management server;
according to the said credit certificate; the first Funds-Management server
applies an application
to generate corresponding first credit certificate and second credit
certificate, and then freezing the
Third Participant's first funds that equal to borrowing limit of the first
loan request and freezing
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the second funds that equal to the borrowing limit of the second loan request;
the said first credit
certificate and the second credit certificate are sent to the second Funds-
Management server; after
receiving the said first credit certificate and the second credit certificate,
the second Funds-
Management server issues the First Participant funds that equal to the first
funds and funds that
equal to the second funds; wherein the second Funds-Management server sets the
repayment time
of the issued funds and monitors the repayment date of the First Participant
and the Second
Participant; the first Funds-Management server is the account management
server for the Third
Participant, and the second Funds-Management server is an account management
server for the
First Participant and the Second Participant.
[0007] Another online lending method provided by the present invention
includes: a first
Funds-Management server receives, an application for opening a credit by a
First Participant and
Second Participant according to a first loan request and a second loan request
of a First Participant
and a Second Participant; based on the credit certificate opening application,
generate a first credit
certificate and a second credit certificate, and then freezing the Third
Participant's first funds that
equal to borrowing limit of the first loan request and freezing the second
funds that equal to the
borrowing limit of the second loan request; the said first credit certificate
and the second credit
certificate are sent to the second Funds-Management server; after receiving
the said first credit
certificate and the second credit certificate, the second Funds-Management
server issues the First
Participant funds that equal to the first funds and issues the Second
Participant funds that equal to
the second funds; wherein the second Funds-Management server sets the
repayment time of the
issued funds and monitors the repayment date of the First Participant and the
Second Participant;
the first Funds-Management server is the account management server for the
Third Participant,
and the second Funds-Management server is an account management server for the
First
Participant and the Second Participant.
[0008] Another online lending method provided by the present invention
includes: the second
Funds-Management server receives the said first credit certificate and the
second credit certificate;
wherein, the first credit certificate and the second credit certificate are
generated correspondingly
after the first Funds-Management server receives the Third Participant's first
loan request and
second loan request submitted according to the First Participant and the
Second Participant, issues
the First Participant funds that equal to the first funds and issues the
Second Participant funds that
equal to the second funds; wherein the second Funds-Management server sets the
repayment time
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of the issued funds and monitors the repayment date of the First Participant;
the first Funds-
Management server is the account management server for the First Participant
and the Second
Participant, the first Funds-Management server is an account management server
for the Third
Participant. And the second Funds-Management server is an account management
server for the
First Participant and the Second Participant.
[0009] In the aforesaid on-line lending method, the Third Participant
applies to the First and
Second Participant Funds-Management server for issuing the credit certificate
when receiving the
loan request of the First Participant, and the first Funds-Management server
freezes the
corresponding fund. The second Funds-Management server issues the frozen funds
to the First and
Second Participant based on the credit certificate. As a result, the Funds-
Management server is
used as an intermediary platform for the three parties, the Third Participant
guarantees the first
Funds-Management server, and the associated second Funds-Management server
issues the loan
to the First and Second Participant, thereby facilitating the First and Second
Participant applies
loan online; in addition, the second Funds-Management server monitors the
repayment date of the
First and Second Participant, thereby reducing the loan risk of the loan
initiator.
[0010] Another object of the present invention is to provide a data
interaction processing
method, a data interaction system, and a data processing device.
[0011] The present invention provides a data interaction processing method,
in which a first
data requester initiates a first data request that needs to add a first data
value to its data unit thereof;
a second data requester initiates a second data request that needs to add a
second data value to its
data unit thereof; the data initiator receives the first data request and the
second respectively, and
submits the data certificate opening application to the First Service Party;
the First Service Party
opens application and generates the first data certificate and the second data
certificate
correspondingly according to the data certificate and locks the first data in
the data unit of the said
data initiator that is equal to the first data value and locks the second data
that is equal to the second
data value, and send the first data certificate and the second data
certificate to a Second Service
Party; after receiving the first data certificate and the second data
certificate, the Second Service
Party adds a data value equal to the first data size to the first data
requester data unit and the data
value equal to the second data size to the second data requester; Wherein the
Second Service Party
sets that the first data requester and the second data requester should add a
data value equal to the
first data and the second data to the Second Service Party data unit
respectively a predetermined
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time.
[0012] Another data interaction processing method provided in the present
invention includes:
the First Service Party receives the respective opening application of the
data initiator according
to the submitted data of the first data request and the second data request;
wherein, the first data
request is the request that the first data requester initiates and requires to
add the first data value to
its data unit; the second data requester initiates and requires to add the
second data value to its data
unit; according to the date certificate, open application and generate
respective first data certificate
and second data certificate, lock the first data in the data unit of the data
initiator and the first data
is equal to the first data value, and lock the second data in the data unit of
the data initiator and the
second data is equal to the second data value; send the first data certificate
and the second data
certificate to the Second Service Party, after the Second Service Party
receives the first data
certificate and the second data certificate, add the data value that equals to
the first data size in
data unit of the first data requester and add the data value that equal to the
second data size in the
data unit of the second data requester; wherein the Second Service Party sets
that the first data
requester and the second data requester should add a data value equal to the
first data and the
second data to the Second Service Party data unit within a predetermined time.
[0013] Another aspect of the present invention provides a data interaction
processing method,
where the method includes: a Second Service Party receives a first data
certificate and a second
data certificate, wherein, the First Service Party receives the first data
request of the first data
initiator, according to the data of the first data requester, raises the data
certificate and open an
application to generate the first data certificate; the First Service Party
receives the first data
request of the second data initiator, according to the data of the first data
requester, raises the data
certificate and open an application to generate the second data certificate;
the first data request is
initiated by the data requester, and shall add the request of the first data
value in its data unit; add
a data value equal to the first data size in the data unit of the said data
requester and the data value
equal to the said second data size; wherein, the said Second Service Party
sets that the first data
requester and the second data requester should add a data value equal to the
first data and the
second data to the Second Service Party data unit within a predetermined time.
[0014] An example of the present invention provides a data interaction
processing system,
including: a first data request terminal, configured to initiate a first data
request that needs to add
a first data value to a data unit thereof; a second data request terminal,
configured to initiate a
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second data request that needs to add a second data value to a data unit
thereof; a first data initiating
terminal, configured to receive the first data request and the second data
request, and submit the
data certificate opening application; a First Server, configured to open an
application to generate
a first data certificate and a second data certificate according to the data
certificate, lock the first
data in the data unit of the first data initiating terminal and the first data
is equal to the data value
represented by the first data certificate, and lock the second data in the
data unit of the second data
initiating terminal and the second data is equal to the data value represented
by the second data
certificate. A Second Server, configured to add a data value equal to the
first data size and the
second data size to the data requester data unit after receiving the first
data certificate and the
second data certificate respectively; wherein the Second Server sets the data
request terminal to
add a data value equal to the first data size and the second data size to the
Second Server data unit
within a predetermined time.
[0015] A device for data interaction processing provided by the present
invention includes: a
receiving module, configured to receive an application for opening a data
certificate that is
proposed by the data initiator according to a the first data request and a
second data request
respectively; wherein the first data request is that the first data requester
initiates a request for
adding a first data value to a data unit thereof; the second data request is
that the second data
requester initiates a request for adding a second data value to a data unit
thereof; a processing
module, configured to open an application and generate the first data
certificate and the second
data certificate according to the said data certificate; lock the first data
in the data unit of the said
data initiator and the first data is equal to the first data value and the
second data is equal to the
second data value; send the first data certificate and the second data
certificate to the Second
Service Party; the issuing module, configured to send the first data
certificate and the second data
certificate to a Second Service Party, so that after the Second Service Party
receives the first data
certificate and the second data certificate, add the data value equal to the
first data size in the data
unit and add the data value equal to second data size; wherein the Second
Server sets the first data
requester and the second data requester to add a data value equal to the first
data size and the
second data size to the Second Server data unit within a predetermined time.
[0016] Another data interaction processing device provided in the present
invention includes:
a receiving module, configured to receive a first data certificate and a
second data certificate;
wherein the first data certificate is used by a First Service Party to receive
data from a first data
Date Recue/Date received 2020-09-17
initiator according to the first data request, and the first data certificate
is generated based on the
raised data certificate opening application from the request; the second data
certificate is used by
a First Service Party to receive data from a data initiator according to the
second data request, and
the second data certificate is generated based on the raised data certificate
opening application
from the request; the first data request is that the first data requester
initiates a request for adding
a first data value to a data unit thereof; the second data requester initiates
a request for adding a
second data value to a data unit; the issuing module, adds the data value
equal to the first data size
in the data unit of the first data requester and add the data value equal to
second data size; wherein
the Second Server sets the first data requester and the second data requester
to add a data value
equal to the first data size and the second data size to the Second Server
data unit within a
predetermined time.
[0017] In the data interaction processing method, the data interaction
system, and the data
processing device, when a first data requester and a second data requester
initiate a data request
that needs to add a data value to a data unit thereof after receiving a data
request of the data initiator,
the First Service Party opens the data certificate according to the request of
the data initiator and
locks the corresponding first data and second data so that the Second Service
Party adds the value
of the first data and the second data to the data requester according to the
data certificate and
requests the data requester adds the value of the first data and the second
data to the Second Service
Party data unit within a predetermined time. Therefore, during the process of
data exchange, the
First and the Second Service Party are added into the interaction process.
After the data initiator
sends the server for credit guarantee, the server becomes the actual data
issuer, so that the data
interaction is more conveniently and safely handled.
Brief Description of the Drawings
[0018] Figure 1 is a lending method in a first example of the present
invention;
[0019] Figure 2 is a schematic diagram of lending relationship in the
example of the present
invention;
[0020] Figure 3 is a schematic flowchart of a lending method in a second
example of the
present invention;
[0021] Figure 4 is a schematic flowchart of a lending method in a third
example of the present
invention;
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[0022] Figure 5 is a schematic flowchart of a lending method in a fourth
example of the present
invention;
[0023] Figure 6 is a schematic flow chart of a data interaction processing
method in a first
example of the present invention;
[0024] Figure 7 is a schematic diagram of data interaction in an example of
the present
invention;
[0025] Figure 8 is a schematic flowchart of a data interaction processing
in a second example
of the present invention;
[0026] Figure 9 is a schematic flowchart of a data interaction processing
method in a third
example of the present invention;
[0027] Figure 10 is a schematic structural diagram of a data interaction
processing system in
an example of the present invention;
[0028] Figure 11 is a schematic diagram of a connection relationship of
data interaction in an
example of the present invention;
[0029] Figure 12 is a flow chart of a data interaction processing device in
a first example of
the present invention;
[0030] Figure 13 is a schematic flowchart of a data interaction processing
device in a second
example of the present invention;
Detailed Description
[0031] The present invention will be described in detail below with
reference to the
accompanying drawings and examples.
[0032] Referring to Figure 1, it is a schematic flowchart of a lending
method according to a
first example of the present invention. Please see Figure 2, at the same time,
combined with the
lending relationship diagram, the method flow shown in this example includes:
[0033] Step S10, the First Participant and Second Participant submit the
first loan request and
the second loan request, respectively.
[0034] Step S11, the Third Participant receives the first loan request and
the second loan
request, and then submits the credit application to the first Funds-Management
server.
[0035] This letter of credit is a Bank Credit Certificate, opened for the
loan initiator with his
bank account funds or credit lines as a guarantee, and the bank promises to
process payment and
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settlement of electronic credit certificates in accordance with the terms of
the settlement.
[0036] Referring to Figure 3, further, step S10, that is, submitting a
first loan request and a
second loan request by the First Participant and the Second Participant, which
is specifically
implemented through the following steps:
[0037] Step Si Oa, the First Participant and Second Participant submit the
first loan request and
the second loan request respectively through a server platform.
[0038] Wherein, the server platform can be an e-commerce platform, and the
First and Second
Participant may also visit the e-commerce platform through an application
installed in an
intelligent terminal to complete the initiation of a lending request.
[0039] Step 11, that is, the Third Participant receives the first loan
request and the second loan
request, and then submits the application for opening the credit certificate
to the first Funds-
Management server, specifically by the following steps:
[0040] Step S1 1 a, the Third Participant receives the first loan request
and the second loan
request through the server platform and submits a credit application to the
first Funds-Management
server.
[0041] The Third Participant can also visit the server platform to find and
receive the lending
request of the First Participant and the Second Participant.
[0042] Step S12, the First Funds-Management server opens an application to
generate a first
credit certificate and a second credit certificate according to the credit
certificate, and then, the
first funds in the Third Participant equal to the first loan request are
frozen; the second funds equal
to the loan amount of the second loan request are frozen, and the first credit
certificate and the
second credit certificate are sent to the Second Funds-Management server.
[0043] Step S13, after receiving the first credit certificate and a second
credit certificate, the
second Funds-Management server issues the funds equal to the first funds to
the First Participant
and the funds equal to the second funds.
[0044] Wherein the second Funds-Management server sets the repayment time
of the issued
funds and monitors the repayment date of the First Participant and the Second
Participant.
[0045] The first Funds-Management server is an account management server of
the Third
Participant,
[0046] The second Funds-Management server is an account management server
of the First
Participant and Second Participant.
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[0047] In the present example, the first Funds-Management server is the
first bank's Funds-
Management server, and the second Funds-Management server is the second bank's
Funds-
Management server. The frozen fund is a deposit of the Third Participant in
the first Funds-
Management server or a credit limit given by the first Funds-Management server
to the Third
Participant, or the Third Participant mortgages the real estate to the first
Funds-Management
server.
[0048] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[0049] In the method of the present invention, the First Participant and
the Second Participant
are a borrower, and the Third Participant is a loan initiator.
[0050] For example, the first borrower issues a first loan request for
borrowing 100,000 and
the second borrower issues a second loan request for borrowing 80,000. After
receiving the first
loan request and the second loan request, the loan initiator respectively
apply to the first bank for
presenting the first credit certificate and the second credit certificate.
Among them, the value of
the first credit merit 100,000, the second merit worth 80,000. Or, the value
of the first credit is
equivalent to 120,000, the value of the second credit is equal to 60,000. In
short, the sum of the
value of the first credit certificate and the second certificates is equal to
180,000, that is the sum
of the first loan request and the second loan request. The first bank freezes
the funds of the
originator of the loan in this first bank, wherein the sum of the value of the
frozen funds equals the
sum of the first and second certificates. For example, freezing 180,000 of
the loan initiator in
bank deposits as a guarantee for the loan initiator. Then, the second bank
allocates 180,000 of the
loan requests of the first borrower and the second borrower according to the
credit certificate sent
by the first bank, that is, 100,000 of the 180,000 funds are distributed to
the first borrower and
the remaining 80,000 were paid to the second borrower when the first borrower
and the second
borrower borrowed money successfully.
[0051] For the first loan initiator, the deposit of 180,000 in the bank
are not lent to the
borrower by the bank, but simply frozen by the bank. The 180,000 deposits are
still in the loan
initiator 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 180,000 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
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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 180,000 funds borrowed by the initiate borrower were frozen
180,000 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.
[0052] In the aforesaid method, the Third Participant apply to the first
Funds-Management
server for issuing the credit certificate when receiving the loan request of
the First and Second
Participant, and the first Funds-Management server freezes the corresponding
funds. The second
Funds-Management server issues the frozen funds to the First and Second
Participant based on the
credit certificate. As a result, the Funds-Management server is used as an
intermediary platform
for the three parties, the Third Participant guarantee the first Funds-
Management server, and the
associated second Funds-Management server issues a loan to the First and
Second Participant to
facilitate the First and Second Participant to apply loan online. In addition,
the second Funds-
Management server monitors the repayment date of the First and Second
Participant, thereby
reducing the loan risk of the loan initiator.
[0053] Please refer to Figure 4, it is a schematic flowchart of a lending
method in a third
example of the present invention. The method flow shown in this example
includes:
[0054] Step S20, the first Funds-Management server receives the Third
Participant's
application for opening the credit certificate according to the first loan
request and the second loan
request of the First Participant and the Second Participant.
[0055] Step S12, open an application to generate a first credit certificate
and a second credit
certificate according to the credit certificate, and then, the first funds in
the Third Participant equal
to the loan amount of the first loan request are frozen; the second funds
equal to the loan amount
of the second loan request are frozen, and the first credit certificate and
the second credit certificate
are sent to the Second Funds-Management server.
[0056] This letter of credit is a Bank Credit Certificate, opened for the
loan initiator with his
bank account funds or credit lines as a guarantee, and the bank promises to
process payment and
settlement of electronic credit certificates in accordance with the terms of
the settlement.
Date Recue/Date received 2020-09-17
[0057] Step S22, send the first credit certificate and the second credit
certificate to a second
Funds-Management server, so that after receiving the first credit certificate
and the second credit
certificate, the second Funds-Management server issues the funds equal to the
first funds to the
First Participant and the funds equal to the second funds to the Second
Participant.
[0058] Wherein the second Funds-Management server sets the repayment time
of the issued
funds and monitors the repayment date of the First Participant and the Second
Participant.
[0059] The first Funds-Management server is an account management server of
the Third
Participant, and the second Funds-Management server is an account management
server of the
First Participant and the Second Participant.
[0060] In the present example, the first Funds-Management server is the
first bank's Funds-
Management server, and the second Funds-Management server is the second bank's
Funds-
Management server. The frozen fund is a deposit of the Third Participant in
the first Funds-
Management server or a credit limit given by the first Funds-Management server
to the Third
Participant, or the Third Participant mortgages the real estate to the first
Funds-Management
server.
[0061] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[0062] In the method of the present invention, the First and Second
Participant is a borrower,
and the Second Participant is a loan initiator.
[0063] Referring to Figure 5, it is a schematic flowchart of an online
lending method in a fourth
example of the present invention. The method flow shown in this example
includes:
[0064] Step S30, the second Funds-Management server receives the first
credit certificate and
the second credit certificate. Wherein the first credit certificate and the
second credit certificate are
generated by the first Funds-Management server by receiving the credit
application opening
request submitted by the Third Participant according to the first loan request
and the second loan
request of the First Participant and the Third Participant.
[0065] Step S31, issue the funds equal to the first funds to the First
Participant and the funds
equal to the second funds to the Second Participant.
[0066] Wherein the second Funds-Management server sets the repayment time
of the issued
funds and monitors the repayment date of the First Participant and the Second
Participant.
[0067] The first Funds-Management server is an account management server of
the Third
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Participant, and the second Funds-Management server is an account management
server of the
First Participant and the Second Participant.
[0068] In the present example, the first Funds-Management server is the
first bank's Funds-
Management server, and the second Funds-Management server is the second bank's
Funds-
Management server. The frozen fund is a deposit of the Third Participant in
the first Funds-
Management server or a credit limit given by the first Funds-Management server
to the Third
Participant, or the Third Participant mortgages the real estate to the first
Funds-Management
server.
[0069] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[0070] In the method of the present invention, the First Participant and
the Second Participant
are a borrower, and the Third Participant is a loan initiator.
[0071] Please refer to Figure 6, it is a schematic flowchart of a data
interaction processing
method according to a first example of the present invention. Please see
Figure 7 at the same time,
the data interaction relationship diagram. The method flow shown in this
example includes:
[0072] Step S40, the first data requester proposes a first data request
that needs to add a first
data value to its data unit and the second data requester proposes a second
data request that needs
to add a second data value to its data unit;
[0073] Specifically, the first data requester and the second data requester
initiate a data request
of the first data through the First Server platform.
[0074] Step S41, the data initiator receives the first data request and the
second data request,
and submits the data certificate open request to the First Service Party.
[0075] Specifically, the data initiator open a data certificate opening
application through the
Second Service Party platform.
[0076] Wherein, the First Server platform and the Second Server platform
can be the same
server platform or different server platforms.
[0077] 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
certificate.
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[0078] Step S42, the First Service Party opens an application to generate a
corresponding first
data certificate and a second data certificate according to the data
certificate, and locks the first
data in the data unit of the data initiator, the first data is equal to the
first data value, and locks the
second data in the data unit, the second data is equal to the first data value
and sends the first data
certificate and the second data certificate to Second Service Party.
[0079] Step S43, the Second Service Party receives the first data
certificate and the second
data certificate, adds the data value that is equal to the data size of the
first data in the data unit of
the first data requester, and adds the data value that is equal to the data
size of the second data in
the data unit of the second data requester. Wherein, the Second Service Party
is set that the first
data requester and the second data requester shall add data values equal to
the data size of the first
data and the second data to the data unit in the Second Service Party within a
scheduled time.
[0080] The data interaction processing method in the example of the present
invention is
described below by way of example.
[0081] For example, the first data requester is User Al, the second data
initiator is User A2,
and the data initiator is User B. User B is an administrator for more than one
client and has a
corresponding password for each client for administrator privileges. Clients
can be personal
computers, tablets, smart phones and other devices that can exchange data with
servers through
the network. The User Al initiates a first data request that needs the first
data through the First
Server platform, and the User A2 initiates, by using the First Server
platform, a second data request
that needs the second data. The first data is a password for requesting
administrator rights of the
Client 2, and the second data is a password for requesting administrator
rights of the Client 5.
[0082] When receiving the first data request and the second data request,
the User B requests
the First Service Party to open the first data certificate and the second data
certificate through the
Second Server platform. Wherein, User B's administrator password is saved in
the Second Service
Party, and for each client, the corresponding administrator privileges have
different levels of
importance. For example, Client 1 is a corporate server, Client 2 is a tablet,
Client 3 is a personal
computer, Client 4 is a mobile phone, and Client 5 is a smart TV. Therefore,
you need to set the
importance level of the client's administrator privileges from high to low:
Client 1, Client 3, Client
2, Client 4, Client 5. When User B agrees to give the administrator rights of
Client 2 and 5 to User
Al and User A2, the corresponding data certificate is provided to the First
Service Party. The data
certificate may be an operation log when the User B manages the Client 2 and
Client 2, so as to
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prove the security and reliability of the User B.
[0083] When the First Service Party receives the data certificate submitted
by the User B, the
First Service Party blocks the administrator right of the User B on the Client
2 and Client 5
according to the relevant contents of the data certificate, that is, the User
B can not use the
corresponding password to manage the Client 2 and Client 5. At the same time,
the Second Service
Party sends the password of the administrator's right of the Client 2 and 5 to
the User Al, A2
according to the data certificate sent by the First Service Party. And, the
Second Service Party can
set the time when User Al returns the administrator authority of Client 2 and
set the time when
User A2 returns the administrator authority of Client 5. The two return
periods can be the same or
different. For example, the Second Service Party provider setts User Al needs
to return the
administrator right of Client 2 to User B within a month, and return the
administrator right of
Client 5 to User B within four months.
[0084] When User Al and A2 returns the administrator right of corresponding
client to the
Second Service Party within the specified time, the First Service Party
unfreezes User B to
administrator right of Client 2 and 5, and User Al and A2 can no longer manage
Client 2 and 5
using the corresponding password. When User Al or/and A2 does not return the
administrator
authority of client to the Second Service Party at the specified time, the
Second Service Party sends
a notification to User Al or/and A2 to prompt him to return the
administrator's rights. If the Service
Party does not receive the administrator rights of the client returned by the
User Al or/and A2 over
a certain period of time, the User B's administrator rights on the Client 2
or/and 5 are completely
cancelled.
[0085] In the above, when the User B (data initiator) receives a request
from the User Al and
A2 (data requester) for obtaining the administrator authority password of the
corresponding client,
the First Service Party notifies the Second Service Party according to the
data certificate submitted
by the User B sends client's password to User Al and A2. On the one hand, User
B gives the
administrator authority to User Al, A2 through the service side for risk
control, and User B's data
certificate is required as a guarantee that administrator rights will not be
arbitrarily transferred. On
the other hand, when User Al and A2 fails to return the administrator rights
on time, the server
can notify User Al and A2 to promptly return or cancel the User B's
administrator rights so as to
ensure that the client has only one administrator's authority so as not to
cause the client's data
Management confusion, and avoid the risk of client data security issues.
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[0086] Further, the requested data may also be text data, audio data, video
data, program data
or financial data in the financial field. In the case of financial data, for
an example, funds, the data
requester is the borrower at this time, the data initiator is the lender of
the loan, and the server is
the Funds-Management server, for example, a bank. If it is audio data, such as
a song, the data
requester and the data initiator may be clients with multimedia playing
functions such as mobile
phones, and the server is a music website server.
[0087] Please refer to Figure 8, it is a data interaction processing method
according to the
second example of the present invention, the method and process including:
[0088] Step S50, the First Service Party receives the data certificate
submitted by the data
initiator according to the data request of the first data requester and the
second data requester and
opens the application. Wherein the first data request is a request from the
first data requester to
initiate the addition of the first data value to its data unit; the second
data request is a request from
the second data requester to initiate the addition of the second data value to
its data unit
[0089] Specifically, the first data requester and the second data initiator
initiate a first data
request and a second data request through the First Server platform. The data
initiator applies to
the service party through the Second Server platform for opening a data
certificate.
[0090] Wherein, the First Server platform and the Second Server platform
can be the same
server platform or different server platforms.
[0091] 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
certificate.
[0092] Step S51, opens an application to generate a corresponding first
data certificate and a
second data certificate according to the data certificate, and locks the first
data in the data unit of
the data initiator, the first data certificate is equal to the first data
value, and locks the second data
is equal to the second data value, and sending the first data certificate and
the second data
certificate to Second Service Party.
[0093] Step S52, send the first data certificate and the second data
certificate to the Second
Service Party, after the Second Service Party receives the first data
certificate and the second
certificate, the Second Service Party adds the data value equal to the first
data size to the first data
Date Recue/Date received 2020-09-17
requester data unit and adds the data value equal to the second data size to
the second data requester
data unit. Wherein, the Second Service Party is set that the first data
requester and the second data
requester shall add data values equal to the data size of the first data and
the second data to the
data unit in the Second Service Party within a scheduled time.
[0094] Please refer to Figure 9, 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:
[0095] Step S60, the Second Service Party receives the first data
certificate and the second
data certificate. Wherein the first data certificate is generated by the First
Service Party after
receiving the data certificate open application submitted by the second data
initiator according to
the first data request; the second data certificate is generated by the First
Service Party after
receiving the data certificate open application submitted by the second data
initiator according to
the data request; the first data request is initiated by the data requester
and needs to add the first
data value to the data unit; the second data request is initiated by the data
requester and needs to
add the second data value to the data unit.
[0096] Step S61, adds the data value equal to the data size of the first
data in the data unit of
the first data requester and add data value equal to the second data size in
the data unit of the
second data requester respectively. Wherein, the Second Service Party is set
that the first data
requester and the second data requester shall add data values equal to the
data size of the first data
and the second data to the data unit in the Second Service Party within a
scheduled time.
[0097] Please refer to Figure 10 and 11, it is a schematic diagram of a
data interaction
processing system according to an example of the present invention. The System
70 shown in this
example includes a first data request Terminal 71, a second data request
Terminal 72, a data
initiating Terminal 73, a First Server 74, and a Second Server 75.
[0098] This first data request Terminal 71 is used to initiate a first data
request that needs to
add a first data value to its data unit.
[0099] This second data request Terminal 72 is used to initiate a second
data request that needs
to add a second data value to its data unit.
[0100] Wherein, the first data request Terminal 71 and the second data
request Terminal 72
initiate a first data request of the first data through the First Server
platform.
[0101] The data initiating Terminal 73 is configured to receive the first
data request and the
second data request and submit a data certificate opening application.
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Date Recue/Date received 2020-09-17
[0102] Specifically, the data initiator terminal 72 opens the data
certificate to the first server
73 through the Second Server platform.
[0103] Wherein, the First Server platform and the Second Server platform
can be the same
server platform or different server platforms.
[0104] Further, the First Server platform and the Second Server platform
can be an e-
commerce platform, and the first data request Terminal 71 and the second data
request terminal 72
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 Terminal 73
responds to the data request
through the e-commerce platform to open the data certificate.
[0105] The First Server 74 is configured to generate a corresponding first
data certificate and
a second data certificate according to the data certificate, and lock the
first data equal to the first
data value in the data unit of the data initiating terminal 73 and the second
data equal to the second
data value.
[0106] The Second Server 75 is used to receive the first data certificate
and the second data
certificate, and adds a data value equal to the first data size in the data
unit of the first data request
Terminal 71 and adds a data value equal to the second data size in the data
unit of the second data
request Terminal 72. Wherein the Second Server 75 is set to add data values
equal to the first data
size and the second data size to the data unit of the first data request
Terminal 71 and the second
data request Terminal 72 in the Second Server 75 within a scheduled time.
[0107] Please refer to Figure 12, which is a data interaction processing
device according to a
first example of the present invention. The data interaction processing Device
80 shown in this
example includes a receiving module 81, a processing module 82, and a
releasing module 83. In
the present example, the Device 80 operates in a banking system.
[0108] The receiving module 81 is configured to receive an application for
establishing a data
certificate submitted by a data initiator according to a first data request
and a second data request
from a data requester. Wherein the first data request is a request from the
first data requester to
initiate the addition of the first data value to its data unit; the second
data request is a request from
the second data requester to initiate the addition of the second data value to
its data unit
[0109] Specifically, the data certificate receiving module 81 receives the
data certificate
opened by the first data initiator terminal through a server platform.
[0110] The processing module 82 opens an application corresponding to the
data certificate to
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generate a corresponding first data certificate and a second data certificate,
and locks the data in
the data unit of the first data initiator equal to the data value represented
by the first data certificate.
A data and a second data that is locked in the data unit of the second data
initiator and is equal to
the data value represented by the second data certificate, and sends the first
data certificate and the
second data certificate to the Second Service Party
[0111] The issuing module 83 is used to send the first data certificate and
the second data
certificate to the Second Server, after the Second Server receives the first
data certificate and the
second data certificate, adds the data value equal to the first data size and
the second data size to
the data requester data unit respectively. Wherein, the Second Service Party
is set that the first data
requester and the second data requester shall add data values equal to the
data size of the first data
and the second data to the data unit in the Second Service Party within a
scheduled time.
[0112] Please refer to Figure 13, 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.
[0113] The receiving module 91 is configured to receive the first data
certificate and the second
data certificate. Wherein the first data certificate is generated by the First
Service Party after
receiving the data certificate open application submitted by the second data
initiator according to
the first data request; the second data certificate is generated by the First
Service Party after
receiving the data certificate open application submitted by the second data
initiator according to
the data request; the first data request is initiated by the data requester
and needs to add the first
data value to the data unit; the second data request is initiated by the data
requester and needs to
add the second data value to the data unit.
[0114] The issuing module 92 is used to add a data value equal to the first
data size and the
second data size to the data request terminal data unit. Wherein, the Second
Service Party is set
that the first data requester and the second data requester shall add data
values equal to the data
size of the first data and the second data to the data unit in the Second
Service Party within a
scheduled time.
[0115] In the data interaction processing method, the data interaction
system, and the data
processing device provided by the present invention, when a data initiator
initiates a data request
that needs to add a value to a data unit thereof after receiving a data
request from the first data
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Date Recue/Date received 2020-09-17
requester and the second data requester, the First Service Party opens the
data certificate according
to the request of the data initiator and locks the corresponding first data
and second data so that
the Second Service Party adds the value of the first data and the second data
to the first data
requester and the second data requester according to the data certificate and
requests the first data
requester and the second data requester to add the value of the first data and
the second data to the
Second Service Party data unit within a predetermined time. Therefore, during
the process of data
exchange, the First and the Second Service Party are added into the
interaction process. After the
data initiator sends the server for credit guarantee, the server becomes the
actual data issuer, so
that the data interaction is more conveniently and safely handled.
[0116] A person of skill in the art considers the problems disclosed herein
and sought to be
solved by the present disclosure to be exclusively computer problems and
contemplates only
solutions to those problems that include essential computer elements. Abstract
ideas, mere
schemes, plans, rules, or mental processes that do not include computer
elements are expressly
excluded from this application.
[0117] 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.
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