Note: Descriptions are shown in the official language in which they were submitted.
Online Lending Method, and Data Interaction Processing Method, Device And
System
[1] [Technical Field]
[2] The present invention relates to the field of credit, and in
particular, to a borrowing
method, data interaction processing method, device and system.
[3] [Background Technology]
[4] 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.
[5] 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.
[6] Further, since users can realize various ways of data interaction
through the Internet, it
is necessary to provide an online data interaction processing method.
[7] [Summary of the Invention]
[8] It is an object of the present invention to provide an online lending
method.
[9] An online lending method provided in the present invention, the method
includes: a
First Participant submits a loan request; a Second Participant receives the
loan request
of the First Participant and submits credit certificate opening application to
the first
Funds-Management server; the first Funds-Management server opens an
application to
generate a credit certificate according to the said credit certificate, and
freezes the funds
equal to the loan amount of the First Participant from the Second Participant
and sends
the credit certificate to the second Funds-Management server; after receiving
the credit
certificate, the second Funds-Management server issues the First Participant
equal funds
to the First Participant; wherein the second Funds-Management server sets the
repayment time of the issued funds and monitors the repayment date of the
First
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Participant.
[10] Another online lending method provided by the present invention
includes: a first
Funds-Management server receives, an application for opening a credit by a
Second
Participant according to a loan request of a First Participant; based on the
credit
certificate opening application, generate a credit certificate and the funds
in the Second
Participant equal to the loan amount of the First Participant are frozen;
sending the
credit certificate to the second Funds-Management server; after receiving the
credit
certificate, the Second Funds-Management server issues the first equal amount
of funds
to the First Participant, wherein the second Funds-Management server sets the
repayment time of the issued funds and monitors the First Participant's
repayment dates.
[11] Another aspect of the present invention provides an online lending
method. The method
includes: a second Funds-Management server receives a credit certificate;
wherein the
first certificate is a document received by a first Funds-Management server
according to
a First Participant loan request; and issuing a fund equal to the frozen funds
to the First
Participant, wherein the frozen funds allow the first Funds-Management server
to freeze
funds of the Second Participant equal to the First Participant's borrowing
amount;
wherein the second Funds-Management server sets the repayment time of the
issued
funds and monitors the repayment date of the First Participant.
[12] In the aforesaid on-line lending method, the Second Participant
applies to the first
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 Participant based on the credit certificate. As a result, the Funds-
Management
server is used as an intermediary platform for the two parties, the Second
Participant
guarantees the first Funds-Management server, and the associated second Funds-
Management server issues the loan to the First Participant, thereby
facilitating the First
Participant applies loan online; in addition, the second Funds-Management
server
monitors the repayment date of the First Participant, thereby reducing the
loan risk of
the loan initiator.
[13] Another object of the present invention is to provide a data
interaction processing
method, a data interaction system, and a data processing device.
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[14] The present invention provides a data interaction processing method,
in which a data
requester initiates a data request that needs to add a first data value to a
data unit
thereof; a data initiator receives the data request from the data requester
and submits to a
server the First Service Party opens an application to generate a data
certificate
according to the data certificate and locks the first data in the data unit of
the data
initiator that is equal to the data value requested by the data requesting
party, and send
the data certificate to a Second Service Party side; and after receiving the
data
certificate, the Second Service Party side adds a data value equal to the
first data size to
the data requester data unit; Wherein the Second Service Party sets that the
data
requester should add a data value equal to the first data size to the Second
Service Party
data unit within a predetermined time.
[15] Another data interaction processing method provided in the present
invention includes:
receiving, a First Service Party receives an application from a data initiator
according to
a data certificate proposed by a data request from a data requester; wherein
the data
request is that the data requester initiates a request for adding a first data
value to a data
unit thereof; opening an application and generating data certificate according
to the data
certificate and locking the data requested by the data requester from the data
unit of the
data initiator and sending the data certificate to a Second Service Party, so
that after
receiving the data certificate, the Second Service Party adds the data value
that is the
same as the first data size; wherein the Second Service Party sets that the
data requester
should add a data value equal to the first data size to the Second Service
Party data unit
within a predetermined time.
[16] Another aspect of the present invention provides a data interaction
processing method,
where the method includes: a Second Service Party receives a data certificate,
wherein,
the First Service Party receives the data request of the data initiator,
according to the
data of the data requester, raises the data certificate and open an
application to generate
the aforesaid data certificate, the said data request is initiated by the said
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; wherein, the
said first data is
that the said First Service Party locks data that equal to data value
requested by the data
requester in the said data initiator's data unit; wherein, the said Second
Service Party
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sets that the data requester should add a data value equal to the first data
size to the
Second Service Party data unit within a predetermined time.
[17] An example of the present invention provides a data interaction
processing system,
including: a data requesting terminal, configured to initiate a data request
that needs to
add a first data value to a data unit thereof; a data initiating terminal,
configured to
receive the data. A First Server, configured to open an application to
generate a data
certificate according to the data certificate, and lock the data in the data
unit of the data
initiator with the data request. A Second Server, configured to add a data
value equal to
the first data size to the data requester data unit after receiving the data
certificate;
wherein the Second Service Party sets the data requester to add a data value
equal to the
first data size to the Second Service Party data unit within a predetermined
time.
[18] 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 a data initiator according to a data request of a data
requester; wherein
the data request is that the data requester initiates a request for adding a
first data value
to a data unit thereof; a processing module, configured to open an application-
generated
data certificate according to the data certificate and lock the data in the
data unit of the
data initiator with the data and a payment module, configured to send the data
certificate
to a Second Service Party, so that after receiving the data certificate, the
Second Service
Party requests the data requester data unit, wherein the device is set to
increase the data
size of the first data size to the second data size of the second data unit by
a
predetermined time equal data value.
[19] Another data interaction processing device provided in the present
invention includes: a
receiving module, configured to receive a data certificate; wherein the data
certificate is
used by a First Service Party to receive data from a data initiator according
to a data
requester that request to submit a request for data certificate creation, the
data request
initiating a request for the data requester to add a first data value to its
data unit; and an
issuing module for issuing a request to the data requester data unit. Wherein
the first
data is data in which the First Service Party locks the data unit of the data
initiator equal
to the data value requested by the data requester; wherein the device is
arranged to add
the data value equal to the first data size to the Second Service Party data
unit within a
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predetermined time by the data requester.
[20] 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 first value to a data unit thereof after
receiving a data
request, the First Service Party opens the data certificate according to the
request of the
data initiator and locks the corresponding first data so that the Second
Service Party
adds the value of the first data to the data requester according to the data
certificate and
requests the data requester adds the value of the first 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.
[21] [Brief Description]
[22] Figure 1 is a lending method in a first example of the present
invention;
[23] Figure 2 is a schematic diagram of lending relationship in the example
of the present
invention;
[24] Figure 3 is a schematic flowchart of a lending method in a second
example of the
present invention;
[25] Figure 4 is a schematic flowchart of a lending method in a third
example of the present
invention;
[26] Figure 5 is a schematic flowchart of a lending method in a fourth
example of the present
invention;
[27] Figure 6 is a schematic flow chart of a data interaction processing
method in a first
example of the present invention;
[28] Figure 7 is a schematic diagram of data interaction in an example of
the present
invention;
[29] Figure 8 is a schematic flowchart of a data interaction processing in
a second example
of the present invention;
[30] Figure 9 is a schematic flowchart of a data interaction processing
method in a third
example of the present invention;
[31] Figure 10 is a schematic structural diagram of a data interaction
processing system in an
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example of the present invention;
[32] Figure 11 is a schematic diagram of a connection relationship of data
interaction in an
example of the present invention;
[33] Figure 12 is a flow chart of a data interaction processing device in a
first example of the
present invention;
[34] Figure 13 is a schematic flowchart of a data interaction processing
device in a second
example of the present invention;
[35] [Description of the Preferred Examples]
[36] The present invention will be described in detail below with reference
to the
accompanying drawings and examples.
[37] 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:
[38] Step S10, the First Participant submits a loan request.
[39] 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.
[40] In step Sll, the Second Participant receives the loan request of the
First Participant, and
then submits the credit application to the first Funds-Management server.
[41] Referring to Figure 3, further, step S10, that is, submitting a loan
request by a First
Participant is specifically implemented through the following steps:
[42] Step SlOa, the First Participant initiates the lending request through
the First Server
platform.
[43] Wherein, the server platform can be an e-commerce platform, and the
First Participant
may also visit the e-commerce platform through an application installed in an
intelligent
terminal to complete the initiation of a lending request.
[44] Step 11, that is, the Second Participant receives the loan request of
the First Participant,
and then submits the application for opening the credit certificate to the
first Funds-
Management server, specifically by the following steps:
[45] Step Sll a, the Second Participant receives the loan request through
the server platform
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and submits a credit application to the first Funds-Management server.
[46] The Second Participant can also visit the server platform to find and
receive the lending
request of the First Participant. Further, the Second Participant can check
loan requests
initiated by the First Participant through the server platform, and select a
suitable
request to receive.
[47] In step S12, the First Funds-Management server opens an application to
generate a
credit certificate according to the credit certificate, and then, the funds in
the Second
Participant equal to the loan amount of the First Participant are frozen, and
the credit
certificate is sent to the Second Funds-Management server.
[48] Step S13, after receiving the credit document, the second Funds-
Management server
issues the First Participant equal funds with the frozen funds. Wherein the
second
Funds-Management server sets the repayment time of the issued funds and
monitors the
repayment date of the First Participant.
[49] The first Funds-Management server is an account management server of
the Second
Participant, and the second Funds-Management server is an account management
server
of the First Participant.
[50] 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 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 mortgages the real
estate to
the first Funds-Management server.
[51] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[52] In the method of the present invention, the First Participant is a
borrower, and the
Second Participant is a loan initiator.
[53] For example, the borrower issues a loan request of 100,000
borrowings. After
receiving the loan request, the lender applies to the first bank to open a
credit certificate.
The first bank generates a credit certificate according to the application,
and then the
loan initiator is frozen this funds in the first bank, in which the funds of
the frozen funds
are equal to the funds of the credit certificates, that is, the amount of
funds frozen in the
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first bank deposit of the initiator of the loans is lifted as a guarantee of
the loan initiator
of the loans. Then, according to the credit certificate sent by the first
bank, the second
bank will issue 100,000 funds to the borrower, and the borrowing of the
borrower is
successful.
[54] For the first loan initiator, the deposit of 10,000 in the bank are
not lent to the borrower
by the bank, but simply frozen by the bank. The 10,000 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 10,000 deposit still
belongs to
himself. For the borrower, it borrows from the lender instead of borrowing
from the
bank, but the actual amount comes from the bank and the payment is still
returned to the
bank. Based on the bank's solid strength and counter-force, it will strengthen
self-
discipline to complete the entire lending process with the lender, it also
further reduces
the lender's risk and also facilitates the borrower's borrowing process as the
bank's
strength makes the borrowing process smoother. For the banks, the borrowed
100,000
funds borrowed by the initiate borrower were frozen 100,000 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.
[55] In the aforesaid method, the Second Participant applies to the first
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 of
the Second Participant. The second Funds-Management server issues the frozen
funds to
the First Participant based on the credit certificate. As a result, the Funds-
Management
server is used as an intermediary platform for the two parties, the Second
Participant
guarantees the first Funds-Management server, and the associated second Funds-
Management server issues a loan to the First Participant to facilitate the
First Participant
Loans online. In addition, the second Funds-Management server monitors the
repayment
date of the First Participant, thereby reducing the loan risk of the loan
initiator.
[56] Please refer to Figure 4, it is a schematic flowchart of a lending
method in a third
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example of the present invention. The method flow shown in this example
includes:
[57] Step S20, the first Funds-Management server receives the Second
Participant's
application for opening the credit certificate according to the loan request
of the First
Participant.
[58] Step S12, the First Funds-Management server opens an application to
generate a credit
certificate according to the credit certificate, and then, the funds in the
Second
Participant equal to the loan amount of the First Participant are frozen.
[59] 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.
[60] Step S22, send the credit certificate to a second Funds-Management
server, so that after
receiving the credit certificate, the second Funds-Management server issues
the First
Participant equal funds to the First Participant.
[61] Wherein the second Funds-Management server sets the repayment time of
the issued
funds and monitors the repayment date of the First Participant.
[62] The first Funds-Management server is an account management server of
the Second
Participant, and the second Funds-Management server is an account management
server
of the First Participant.
[63] 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 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 mortgages the real
estate to
the first Funds-Management server.
[64] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[65] In the method of the present invention, the First Participant is a
borrower, and the
Second Participant is a loan initiator.
[66] 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:
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[67] Step S30, the second Funds-Management server receives the credit
certificate. Wherein
the credit document is generated by the first Funds-Management server by
receiving the
credit application opening request submitted by the Second Participant
according to the
loan request of the First Participant.
[68] Step S31, issue the funds equal to the frozen funds to the First
Participant. Wherein the
frozen funds is the first Funds-Management server to freeze funds of the
Second
Participant equal to the loan amount of the First Participant.
[69] Wherein the second Funds-Management server sets the repayment time of
the issued
funds and monitors the repayment date of the First Participant.
[70] The first Funds-Management server is an account management server of
the Second
Participant, and the second Funds-Management server is an account management
server
of the First Participant.
[71] 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 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 mortgages the real
estate to
the first Funds-Management server.
[72] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[73] In the method of the present invention, the First Participant is a
borrower, and the
Second Participant is a loan initiator.
[74] 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:
[75] In step S40, this data requester is used to initiate a first data
request that needs to add a
first data value to its data unit.
[76] Specifically, the data requester initiates a data request of the first
data through the First
Server platform.
[77] Step S41, the data initiator receives the data request from the data
requester, and submits
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the data certificate open request to the First Service Party.
[78] 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.
[79] Wherein, the First Server platform and the Second Server platform can
be the same
server platform or different server platforms.
[80] 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.
[81] Step S42, the First Service Party opens an application generating data
certificate
according to the data certificate, locks the first data in the data unit of
the data initiating
party that is equal to the data value requested by the data requester, and
sends the data
certificate to the Second Service Party.
[82] Step S43, the Second Service Party receives the data certificate and
adds the data value
that is equal to the data size of the first data in the unit to the data
requester. Wherein the
Second Service Party is set to add data values equal to the data size of the
first part in
the data unit to the data unit in the Second Service Party within a scheduled
time.
[83] The data interaction processing method in the example of the present
invention is
described below by way of example.
[84] For example, the data requester is User A 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.
User A
initiates, through the First Server platform, a data request that needs first
data, where the
first data is a password for requesting administrator rights of one of the
clients. For
example, User A requests User B for the password of Client 2's administrator.
[85] When receiving the first data request, the User B requests the First
Service Party to open
the 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
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corporate server, Client 2 is a tablet, and Client 3 is a personal computer.
Therefore, you
need to set the highest level of administrator privileges for Client 1, the
most important
level for administrator permissions for Client 3, and secondly, the importance
level for
Client 2's administrator permissions. When User B agrees to give the
administrator
rights of Client 2 to User A, 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, so as to prove the security and reliability of the User B.
[86] 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 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. At the same time, the Second
Service
Party sends the password of the administrator's right of the Client 2 to the
User A
according to the data certificate sent by the First Service Party. And, the
Second Service
Party can set the time when User A returns the administrator authority of
Client 2. For
example, the Second Service Party provider setting User A needs to return the
administrator right of Client 2 to User B within a month.
[87] When User A returns the administrator right of Client 2 to the Second
Service Party
within a month's time, the First Service Party unfreezes User B's
administrator right of
Client 2, and User A can no longer Client 2 is managed using the corresponding
password. When User A does not return the administrator authority of Client 2
to the
Second Service Party at the expiration of one month, the Second Service Party
sends a
notification to User A to prompt him to return the administrator's rights. If
the Second
Service Party does not receive the administrator rights of the Client 2
returned by the
User A over a certain period of time, the User B's administrator rights on the
Client 2 are
completely cancelled.
[88] In the above, when the User B (data initiator) receives a request from
the User A (data
requester) for obtaining the administrator authority password of the Client 2,
the First
Service Party notifies the Second Service Party according to the data
certificate
submitted by the User B Party 2 sends Client 2's password to User A. On the
one hand,
User B gives the administrator authority to User A through the service side
for risk
control, and User B's data certificate is required as a guarantee that
administrator rights
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will not be arbitrarily transferred. On the other hand, when User A returns or
fails to
return the administrator rights on time, the service side can notify User A 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.
[89] 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.
[90] 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:
[91] Step S50, the First Service Party receives the data certificate
submitted by the data
initiator according to the data request of the data requester and opens the
application.
The data request is initiated by the data requester and needs to add the first
data to the
data unit thereof the value request.
[92] Specifically, the data requester initiates a data request of the first
data through the first
server platform. The first data initiator applies to the service party through
the Second
Server platform for opening a data certificate that the value is equal to the
first data.
[93] Wherein, the First Server platform and the Second Server platform can
be the same
server platform or different server platforms.
[94] 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.
[95] Step S51, according to the data certificate, locking the first part of
the data unit in the
first data initiator which the value is equal to the representative of data
certificate.
[96] Step S52, send the data certificate to the Second Service Party,
making the Second
Service Party adds the data value equal to the data size of the first part to
the data
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requester data unit.
[97] Wherein the Second Service Party is set to add data values equal to
the data size of the
first part in the data unit to the data unit in the Second Service Party
within a scheduled
time.
[98] 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:
[99] In step S60, the Second Service Party receives the data certificate.
Wherein the data
certificate is generated by the First Service Party receiving the data
certificate open
application submitted by the data initiator according to the data request of
the data
requester and the data request is initiated by the data supplicant and needs
to add the
first data to the data unit thereof Value request.
[100] Step S61, adds the data value equal to the data size of the first data
to the data requester
data unit. The first data is data in which the First Service Party locks the
data unit
requested by the data requester in the data unit of the data initiator.
[101] Wherein the Second Service Party is set to add data values equal to the
data size of the
first part in the data unit to the data unit in the Second Service Party
within a scheduled
time.
[102] 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 data requesting Terminal 71, a data
originating
Terminal 72, a First Server 73, and a Second Server.
[103] This data request Terminal 71 is used to initiate a first data request
that needs to add a
first data value to its data unit.
[104] Wherein, the data request Terminal 71 initiates a first data request of
the first data
through the First Server platform.
[105] The data originating Terminal 72 is configured to receive the data
request from the data
requester, and submit the data certificate open application to the server.
[106] Specifically, the first data initiator Terminal 72 opens the data
certificate to the First
Server 73 through the Second Server platform.
[107] Wherein, the First Server platform and the Second Server platform can be
the same
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server platform or different server platforms.
[108] Further, the First Server platform and the Second Server platform can be
an e-commerce
platform, and the data requesting Terminal 71 may also access the e-commerce
platform
through an application installed in the smart terminal to initiate the
initiation of the data
request. The data initiator Terminal 72 responds to the data request through
the e-
commerce platform to open the data certificate.
[109] The First Server 73 is configured to open an application generating data
certificate
according to the data certificate and lock the first data in the data unit of
the data
initiating party that is equal to the data value requested by the data
requesting Terminal
71.
[110] The Second Server 74 is used to receive the data certificate and add a
data value equal
to the data size of the first part to the data requester. Wherein the Second
Service Party
is set to add data values equal to the data size of the first part in the data
unit to the data
unit in the Second Service Party within a scheduled time.
[111] 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.
[112] The receiving module 81 is configured to receive an application for
establishing a data
certificate submitted by a data initiator according to a data request from a
data requester.
The data request is initiated by the data requester and needs to add the first
data to the
data unit thereof the value request.
[113] Specifically, the data certificate receiving module 81 receives the
data certificate opened
by the first data initiator terminal through a server platform.
[114] The processing module 82 is used to lock the data units of the first
data initiator which
the value is equal to the first data represented by the data certificate
according to the
data certificate.
[115] The issuing module 83 is used to send the data certificate to the Second
Service Party,
making the Second Service Party adds the data value equal to the data size of
the first
part to the data requester data unit.
[116] Wherein the Second Service Party is set to add data values equal to the
data size of the
Date Recue/Date Received 2021-03-19
first part in the data unit to the data unit in the Second Service Party
within a scheduled
time.
[117] 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.
[118] The receiving module 91 is configured to receive data certificates.
Wherein the data
certificate is generated by the First Service Party receiving the data
certificate open
application submitted by the data initiator according to the data request of
the data
requester and the data request is initiated by the data supplicant and needs
to add the
first data to the data unit thereof Value request.
[119] The issuing module 92 is used to add a data value equal to the data size
of the first part
to the data requester data unit. The first data is data in which the First
Service Party
locks the data unit requested by the data requester in the data unit of the
data initiator.
[120] Wherein the Second Service Party is set to add data values equal to the
data size of the
first part in the data unit to the data unit in the Second Service Party
within a scheduled
time.
[121] 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 first value to a data unit thereof after
receiving a data
request, the First Service Party opens the data certificate according to the
request of the
data initiator and locks the corresponding first data so that the Second
Service Party
adds the value of the first data to the data requester according to the data
certificate and
requests the data requester adds the value of the first 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.
[122] 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
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ideas, mere schemes, plans, rules, or mental processes that do not include
computer
elements are expressly excluded from this application.
[123] 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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