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
[0002] With the 2G / 3G and even the 4G era is coming, as well as the
widespread of WiFi
hotspot, it marks the advent of the era of big data today. All the user's
daily behaviour can
theoretically achieve processing a variety of data by means of the network
constructed by mobile
data network provided by major operators, wireless local area networks such as
WiFi and Internet
technology. Therefore, the network environment has advantages over the offline
in the real world
in terms of user-friendliness, but how to use the network to guarantee data
interaction and reduce
risks, there is no effective solution.
[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 borrowed between an individual and individual
or an individual
borrows from a bank. However, the borrowing activity between individuals and
individuals is
usually agreed by the borrower and the lender through the oral or written
agreement. After the
borrower provides the borrower's assets, due to the lack of financial
guarantee and regulatory
mechanism, it have brought great risk to the lender. And the problems of the
loan activity between
individuals and banks are complex process of collecting individual
information, more manual
intervention and banks also need to bear the financial risk. Therefore, it is
need to provide a new
borrowing method and data interaction processing mechanism to meet users'
needs for online
borrowing.
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 problems, a technical solution
adopted in this
invention is to provide a lending method, including: According to a loan
request of a Second
1
Date Recue/Date Received 2022-03-02
Participant, a First Participant applies to a first Funds-Management server
for generating and
issuing an electronic commitment payment certificate; Wherein the value of the
electronic
commitment payment certificate is less than the value of the loan requested by
the Second
Participant, and the First Participant use the account funds or the credit
limit as the deposit to apply
to the first Funds-Management server and the first Funds-Management server set
the account; the
first Funds-Management server freeze the equal value funds of the electronic
commitment
payment certificate which the First Participant is involved according to the
electronic commitment
payment certificate opened by the First Funds-Management server; The Second
Funds-
Management server receives the electronic commitment payment certificate
opened by the first
Funds-Management server and issuing the first fund with equal value to the
electronic commitment
payment certificate to the Second Participant; wherein, A first fund is set by
the second Funds-
Management server to be returned within a predetermined time; and a Third
Participant transfers
the funds to the Second Participant through third Funds-Management server
according to the
remaining loan request delivered by Second Participant, and issuing a second
funds to the Second
Participant through a third Funds-Management server, wherein the sum of the
first funds and the
second funds is equal to the loan value requested, and the first funds and the
second funds have set
the predetermined repay time by the second Funds-Management server.
[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 electronic commitment payment certificate which the First
Participant has
applied for and is less than the loan value requested by the Second
Participant based on the loan
request; wherein the accounts funds and credit line of the electronic
commitment payment
certificate are used as the deposit to apply to the first Funds-Management
server for opening by
the first Funds-Management server; according to the electronic commitment
payment certificate,
the funds of First Participant is equal to the value of the electronic
commitment payment certificate;
sending the electronic commitment payment certificate to the second Funds-
Management server,
making the second Funds-Management server issuing the first funds equal value
to the electronic
commitment payment certificate to the Second Participant; wherein, the first
fund issued by the
second Funds-Management server is set to returned within a scheduled time.
[0007] In order to solve the above technical problem, another technical
solution adopted by
the present invention is to provide a lending method, where the method
including: the second
2
Date Recue/Date Received 2022-03-02
Funds-Management server receives the electronic commitment payment certificate
issued by first
Funds-Management server according to an application of a First Participant;
And the application
is issued to the first Funds-Management server for the loan request of the
Second Participant, the
value of the electronic commitment payment certificate is less than the
borrowed value requested
by the Second Participant and the accounts funds and credit line of the First
Participant are used
as the deposit to apply to the first Funds-Management server for opening by
the first Funds-
Management server, making the Second Participant issuing the first funds equal
value to the
electronic commitment payment certificate; according to the remaining loan
request of the Second
Participant, issue the second funds to the Second Participant; wherein the sum
of the first funds
and the second funds is equal to the loan value of the said loan request, and
the first funds and the
second funds have set the predetermined repay time by the said Funds-
Management server.
[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 first data initiator initiates a request that needs to add a
first data value to its data
unit to the First Service Party based on the first data initiator and the
First Service Party opens a
data certificate smaller than the first data value according to an application
of the first data initiator;
wherein the data certificate is a quantitative tool of a pre-established data
association relationship
between the first data initiator and the First Service Party; the First
Service Party based on the data
certificate opened by the First Service Party locks the data unit of the first
data initiator and the
first part of the data which is equal to the data value represented by the
data certificate; a Second
Service Party receiving the data certificate opened by the First Service Party
and adding data values
equal to the data of the first part to the data requested party data unit; the
Second Service Party is
set to add data values equal to the data size of the first part of the data
unit to the second service
data unit within the scheduled time; the Second Service Party requests data
requests for data value
equal to the data size of the second part based on the data requested by the
data requestor; the data
unit of the data requestor add the value equal to the data of the second part;
wherein, the sum of
the data valuesof the first part data and the second part data is the first
data value.
[0009] In order to solve the above technical problem, another technical
solution adopted by
the present invention is to provide a data interaction processing system,
where the system including:
the data request terminal, configured to initiate a first data request that
needs to add a first data
value to its data unit; the first data initiator terminal is used to request a
First Service Party to open
3
Date Recue/Date Received 2022-03-02
a data certificate based on the first data request; the First Server is used
to open a data certificate
that the value is less than the first data according to the application. Based
on the established data
certificate, locking the first part of data which is equal to the data value
represented by data
certificate in the data unit of first data initiator terminal; wherein the
data certificate is a
quantitative tool of a pre-established data association relationship between
the first data initiator
terminal and the First Server; the Second Server is used to receive the data
certificate opened by
the First Server and adding data values equal to the data of the first part to
the data unit of the data
requester; the request is that adding data values equal to the data of the
second part to the data unit
of the data requester, according to the request, add the data value that is
equal to data of the second
part to the data unit of the data requester; wherein, the sum of the first
part data and the second
part data is the first data value; the Second Server sets that the data
requester shall add the data
value that is equal to the first data size to the data unit of the Second
Server within the
predetermined time.
[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: according to the data requestor received by the First Service
Party, the First Service
party initiates a first data request to add a first data value to its data
unit and open a data certificate
which value is less than the first data; wherein the data certificate is a
quantitative tool of a pre-
established data association relationship between the first data initiator and
the First Service Party;
based on the data certificate opened by the First Service Party locks the data
unit of the first data
requestor and the first part of the data which is equal to the data value
represented by the data
certificate; and the data certificate is delivered to the Second Service Party
to increase the data
value which is equal to the data in the first part to the data unit in the
data requestor, the Second
Service Party is set to add data value equal to the data of the first part of
the data unit to the second
service data unit within the scheduled time.
[0011] In order to solve the above technical problem, another technical
apparatus adopted by
the present invention is to provide a data interaction processing apparatus,
where the apparatus
including: according to the data requestor received by the First Service
Party, the First Service
party initiates a first data request to add a first data value to its data
unit and open a data certificate
which value is less than the first data; wherein the data certificate is a
quantitative tool of a pre-
established data association relationship between the first data requestor and
the First Service Party;
4
Date Recue/Date Received 2022-03-02
based on the data certificate opened by the First Service Party locks the data
unit of the first data
initiator and the first part of the data which is equal to the data value
represented by the data
certificate; and the data certificate is delivered to the Second Service Party
to increase the data
value which is equal to the data in the first part to the data unit in the
data requestor, the Second
Service Party is set to add data value equal to the data of the first part of
the data unit to the second
service data unit within the scheduled time.
[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 includes:
the data certificate requested and set by the Second Service Party based on
the First Service Party;
wherein the application is issued for the first data initiator to receive that
the data requester is
requested to add a first data value to its data unit, the value of the data
certificate is smaller than
the first data and are quantitative tools for the pre-established data
association relationship between
the first data initiator and the First Service Party; adding the data which is
equal to data in the first
part data to the data unit of data requester; adding the data which is equal
to data in the second part
data to the data unit of data requester, according to the data request, add
the data which is equal to
data in the second part data to the data unit of data requester; wherein the
sum of the first part data
and the second part data is the first data value; the Second Server is set
that the data requester shall
add the data value that is equal to the first data size to the data unit of
the Second Server.
[0013] In order to solve the above technical problem, another technical
solution adopted by
the present invention is to provide a data interaction processing device,
where the device includes:
the receiving module, is used to receive the data certificate requested and
set by the Second Service
Party based on the application of the first data initiator; wherein the
application is issued for the
first data initiator to receive that the data requester is requested to add a
first data value to its data
unit, the value of the data certificate is smaller than the first data and are
quantitative tools for the
pre-established data association relationship between the first data initiator
and the First Service
Party; the issuing module, is used for adding the data which is equal to data
in the first part data to
the data unit of data requester; adding the data value that is equal to the
data size of the second
part, according to the data request initiated by the data requester, add the
data value that is equal
to the data size of the second part; wherein the sum of the first part data
and the second part data
is the first data value; the Second Server is set to add data value equal to
the data of the first data
unit to the Second Server data unit within the scheduled time.
Date Recue/Date Received 2022-03-02
[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 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
6
Date Recue/Date Received 2022-03-02
a first example of the present invention. The method flow shown in this
example includes the
following steps:
[0027] Step S10, the First Participant applies to the first Funds-
Management server for opening
an electronic commitment payment certificate according to the borrowing
request of the Second
Participant. Wherein the value of the electronic commitment payment
certificate is less than the
value of the borrowing requested by the Second Participant and the First
Participant applies to the
first Funds-Management server for its account funds or credit line as a
guarantee and is opened by
the first fund Funds-Management server.
[0028] In the method of the present invention, the First Participant is a
loan initiator, and the
Second Participant is a borrower.
[0029] Referring to Figure 2, further, step S10, that is, the First
Participant applies to the first
Funds-Management server for opening the electronic commitment payment
certificate according
to the borrowing request of the Second Participant, specifically by the
following steps:
[0030] Step Si Oa, the Second Participant initiates the borrowing request
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 the electronic
commitment
payment certificate generated and issued 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 Sll, the first Funds-Management server, according to the
electronic commitment
payment certificate opened by the first Funds-Management server, freezes the
value of First
Participant's funds which is equal to the electronic commitment payment
certificate.
[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
commitment
7
Date Recue/Date Received 2022-03-02
payment certificate opened by the first Funds-Management server and issues the
first fund to the
equal value of the electronic commitment payment certificate to the Second
Participant. Wherein
the issued first fund is set by the second Funds-Management server to be
returned within a
predetermined time.
[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 the second fund
to the Second
Participant according to the remaining borrowing request initiated by the
Second Participant. The
sum of the value of the first fund and the second fund is equal to the value
of the loan requested
for borrowing. The first fund and the second fund are set by the second Funds-
Management server
to be returned within a predetermined time.
[0040] Further, the second Funds-Management server conducts a credit
evaluation for the
second participant. If the result of the credit evaluation is passed, the
second Funds-Management
server issues the second funds to the second participant.
[0041] For example, the borrower issues a borrowing request for a loan of
100,000. After
receiving the borrowing request, the loan initiator applies to the first bank
for opening an electronic
commitment payment certificate and the value of the electronic commitment
payment certificate
issued by the application is only 60,000. The first bank freezes the funds of
the loan initiator of
the loan in this first bank, wherein the value of the frozen funds equal to
the value of the electronic
commitment payment certificate. For example, freezing 60,000 of the loan
initiator in bank
deposits as a guarantee for the loan initiator. The second bank then receives
the electronic
commitment payment certificate issued by the first bank and issues 60,000 of
the funds to the
borrower. The borrower requests the second bank for the remaining 40,000
loans, at which time
the second bank issues 40,000 to the borrower when the credit rating is
passed.
[0042] For the loan party, the deposit of 60,000 in the bank are not lent
to the borrower by
the bank, but simply frozen by the bank. The 60,000 deposits are still in the
loan party's account
and belong to the loan party. As a result, the risk is greatly reduced and the
additional benefits may
also be gained because the 60,000 deposit still belongs to himself. For the
borrower, it borrows
8
Date Recue/Date Received 2022-03-02
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
enforcement, it is able
to discipline the entire lending process between a borrower and a lender under
the control to reduce
lender's risk. And because the bank's strength has made it easier to borrow
money, the borrower
can easily borrow money. For the banks, the lent funds of 60000 borrowed by
the loan party
were frozen 60,000 as a guarantee of storage, the risk is not borne by the
bank only, and because
of its solid strength and counter-force, and it can guarantee the smooth
completion of the loan
process to some extent. After the successful completion, it can increase the
potential customers,
obtain more customer information, and can also gain additional benefits during
the lending process.
[0043] In the above solution, when receiving Second Participant's borrowing
request, the First
Participant applies to the first Funds-Management server for opening an
electronic commitment
payment certificate less than the requested borrowing value, the first Funds-
Management server
freezes the funds of the First Participant that is less than the value of the
electronic commitment
payment certificate, and the second Funds-Management server issues funds to
the Second
Participant that is equal to the requested loan according to the electronic
commitment payment
certificate; meanwhile, the second Funds-Management server issues the
remaining loan to the
Second Participant. Thus, using the Funds-Management server as an intermediary
platform
between the Second Participant and the First Participant, the First
Participant guarantees to the
Funds-Management server and the Funds-Management server issues the loan to the
Second
Participant, thereby reducing the risk of the lending 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 the electronic
commitment
payment certificate that the First Participant requests to open a loan value
less than the Second
Participant's request according to the received loan request of the Second
Participant. Wherein the
value of the electronic commitment payment certificate is the First
Participant applies to the first
Funds-Management server for its account funds or credit line as a guarantee
and is opened by the
first fund Funds-Management server.
[0046] In the method of the present invention, the First Participant is a
loan initiator, and the
Second Participant is a borrower.
[0047] Step S21, the Funds-Management server, according to the electronic
commitment
9
Date Recue/Date Received 2022-03-02
payment certificate, freezes the value of First Participant's funds which is
equal to the electronic
commitment payment certificate.
[0048] The frozen fund can be the amount of funds in the debit account of
the first participant
in the first funds-management server; or the amount for a line of credit
offered by the first funds-
management server to the first participant; or the amount of mortgage for a
real estate of the first
participant to the first funds-management server.
[0049] Step S22, send the electronic commitment payment certificate to the
second Funds-
Management server, making the second Funds-Management server issues a first
fund equals to the
value of electronic commitment payment certificate to the Second Participant.
Wherein the issued
first fund is set by the second Funds-Management server to be returned within
a predetermined
time.
[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 the second fund
to the Second
Participant according to the remaining borrowing request initiated by the
Second Participant. The
sum of the value of the first fund and the second fund is equal to the value
of the loan requested
for borrowing. The first fund and the second fund are set by the second Funds-
Management server
to be returned within a predetermined time.
[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 S31, the second funds-management server receives an electronic
commitment
payment certificate generated and issued by the first funds-management server
according to an
application of generating an electronic commitment payment certificate applied
by the first
participant. Therein, the application of generating an electronic commitment
payment certificate
is generated by the first participant when the first participant receiving a
loan request of the second
participant. The amount of the loan in the electronic commitment payment
certificate is less than
the amount of the loan request of the second participant, and the electronic
commitment payment
certificate is generated by the first funds-management based on the
application of generating an
Date Recue/Date Received 2022-03-02
electronic commitment payment certificate and a margin of the first
participant from the amount
of funds in the debit account of the first participant or the amount for a
line of credit.
[0055] Step S32, issues the value of first fund equal to the electronic
commitment payment
certificate to the Second Participant.
[0056] Wherein the issued first fund is set by the second Funds-Management
server to be
returned within a predetermined time.
[0057] 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.
[0058] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[0059] Step S33, issue the second fund to the Second Participant according
to the remaining
loan request initiated by the Second Participant. Wherein the sum of the value
of the first fund and
the second fund is equal to the value of loan request, and the first fund and
the second fund are set
by the Funds-Management server to be returned within a predetermined time.
[0060] 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:
[0061] Step S40, the first data initiator requests to the First Service
Party according to the data
request from the data requestor to add the first data value to its data unit,
and the First Service
Party initiates a data certificate which the value is less than the first data
according to the first data
initiator. Wherein the data certificate is a quantitative tool of a pre-
established data association
relationship between the first data initiator and the First Service Party.
[0062] Step S41, the First Service Party locks, according to the data
certificate opened by the
First Server, a first part of data in the data unit of the first data
initiator equal to the data value
represented by the data certificate.
[0063] 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.
[0064] Wherein, the First Server platform and the Second Server platform
can be the same
server platform or different server platforms.
[0065] Further, the first server platform and the Second Server platform
can be an e-commerce
11
Date Recue/Date Received 2022-03-02
platform, and the data requesting party may also access the e-commerce
platform through an
application installed in the smart terminal to initiate the initiation of the
data request. The first data
initiator responds to the data request through the e-commerce platform to open
the data certificate.
[0066] Step S42, the Second Service Party receives the data certificate
opened by the First
Service Party and adds the data value that is equal to the data size of the
first part in the unit.
Wherein the Second Service Party is set to add data values equal to the data
size of the first part in
the data unit to the data unit in the Second Service Party within a scheduled
time.
[0067] Step S43, according to the data request initiated by the data
requester for adding the
data value equal to the size of the second part of data, the Second Service
Party adds the data value
equal to the data in the second part to the data unit of the data requester.
Wherein, the first data
value is the sum of the data values of the first part data and the second part
data.
[0068] 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:
[0069] Step S50, the First Service Party initiates an application that
requests a first data to add
a first data value to its data unit according to the data requestor received
by the first data initiator
and opens a data certificate which the values is less than the first data.
Wherein the data certificate
is a quantitative tool of a pre-established data association relationship
between the first data
initiator and the First Service Party.
[0070] Specifically, the data requester initiates a data request of the
first data through the first
server platform. The first data initiator applies to the Service Party through
the Second Server
platform for opening a data certificate that the value is less than the first
data.
[0071] Wherein, the First Server platform and the Second Server platform
can be the same
server platform or different server platforms.
[0072] Further, the First Server platform and the Second Server platform
can be an e-
commerce platform, and the data requester may also access the e-commerce
platform through an
application installed in the smart terminal to initiate the initiation of the
data request. The data
initiator responds to the data request through the e-commerce platform to open
the data certificate
to the First Service Party.
[0073] 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.
[0074] Step S52, send the data certificate to the Second Service Party,
making the Second
12
Date Recue/Date Received 2022-03-02
Service Party adds the data value equal to the data size of the first part to
the data requestor data
unit. Wherein the Second Service Party is set to add data values equal to the
data size of the first
part in the data unit to the data unit in the Second Service Party within a
scheduled time.
[0075] 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:
[0076] Step S60, the Second Service Party receives the data certificate
opened by the First
Service Party according to the application of the first data initiator.
Wherein the application is
issued for the data requestor received by the first data initiator to add a
first data value to its data
unit, the value of data certificate is less than the first data and is a
quantitative tool of a pre-
established data association relationship between the first data initiator and
the First Service Party.
[0077] Step S61, adds the data value equal to the data size of the first
part to the data requestor
data unit.
[0078] Step S43, according to the data request initiated by the data
requester for adding the
data value equal to the size of the second part of data, adds the data value
equal to the data in the
second part to the data unit of the data requester. Wherein the sum of the
first part data and the
second part data is the first data value; the Second Service Party is set to
add data values equal to
the data size of the first part in the data unit to the data unit in the
Second Service Party within a
scheduled time.
[0079] Please refer to Figure 8, it is a schematic diagram of a data
interaction processing
system according to an example of the present invention. The System 70 shown
in this example
includes a data request Terminal 71, a data originator Terminal 72, a First
Server 73, and a Second
Server 74.
[0080] 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.
[0081] Wherein, the data request terminal 71 initiates a first data request
of the first data
through the first server platform.
[0082] The first data initiator terminal 72 is used to submit an
application for opening a data
certificate to the First Service Party according to the first data request.
[0083] Specifically, the first data initiator terminal 72 opens the data
certificate to the first
server 73 through the Second Server platform.
[0084] Wherein, the First Server platform and the Second Server platform
can be the same
13
Date Recue/Date Received 2022-03-02
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 data request terminal 71 may also access the E-commerce
platform through an
application installed in the smart terminal to initiate the initiation of the
data request. The first data
initiator terminal 72 requests the first service provider 73 to open the data
certificate through the
E-commerce platform respond to data request. Wherein the data certificate is a
quantitative tool of
a pre-established data association relationship between the first data
initiator terminal 72 and the
first server 73.
[0086] The first server 73 is used to open, according to an application of
the first data initiator
terminal 72, a data certificate which the value is less than the first data
and lock the data which the
value is equal to the represented data certificate in the first pat in the
data unit of the first data
initiator terminal 72 according to the data certificate opened by the first
server. Wherein the data
certificate is a quantitative tool of a pre-established data association
relationship between the first
data initiator terminal 72 and the first server 73.
[0087] The Second Server 74 is used to receive the data certificate opened
by the first server
73 and add a data value equal to the data size of the first part to the data
requestor 71. Wherein the
Second Server 74 is set to add data values equal to the data size of the first
part in the data unit to
the data unit in the Second Server 74 within a scheduled time.
[0088] The Second Server 74 is used to add the data value which equal to
the data of the second
part initiated by the data request Terminal 71 data unit. Wherein the sum of
the first part data and
the second part data is the first data value; the Second Service Party is set
to add data values equal
to the data size of the first part in the data unit to the data unit in the
Second Service Party within
a scheduled time.
[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. The third
server 76 is a third Funds-Management server, which can be a bank or a third-
party payment
platform.
[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
apparatus according to a first
example of the present invention. The data interaction processing apparatus 80
includes a data
14
Date Recue/Date Received 2022-03-02
certificate opening module 81, a processing module 82 and an issuing module
83. In the present
example, the Device 80 operates in a banking system.
[0092] The data certificate issuing module 81 is used to initiate the first
data request of first
data to its data unit according to the data requestor received by the first
data initiator and opens the
data certificate which the value is less than first data. Wherein, the data
certificate is a quantitative
tools of a pre-established data association relationship between the first
data initiator terminal and
the apparatus.
[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 lock the first part of the data
units of the first data
initiator which the value is equal to the data represented by the data
certificate according to the
data certificate.
[0095] The issuing module 83 is used to send the data certificate to the
Second Service Party,
making the Second Service Party adds the data value equal to the data size of
the first part to the
data requestor data unit. Wherein the Second Service Party is set to add data
values equal to the
data size of the first part in the data unit to the data unit in the Second
Service Party within a
scheduled time.
[0096] Step S43, according to the data request initiated by the data
requester for adding the
data value equal to the size of the second part of data, the Second Service
Party adds the data value
equal to the data in the second part to the data unit of the data requester
for the remaining data.
Wherein the sum of the first part data and the second part data is the first
data value; the Second
Service Party is set to add data values equal to the data size of the first
part in the data unit to the
data unit in the Second Service Party within a scheduled time.
[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 data certificate
opened by the First
Service Party according to the application of the first data initiator.
Wherein the application is
issued for the data requestor received by the first data initiator to add a
first data value to its data
unit, the value of data certificate is less than the first data and is a
quantitative tool of a pre-
Date Recue/Date Received 2022-03-02
established data association relationship between the first data initiator and
the First Service Party.
[0099] The issuing module 92 is configured to add a data value equal to the
size of the first
part data to the data requester data unit; and a data request initiated by the
data requester to increase
a data value equal to a size of the second part data, adding to the data
requester data unit a data
value equal to the second part data size.
[0100] Wherein the sum of the first part data and the second part data is
the first data value;
the Second Service Party is set to add data values equal to the data size of
the first part to the data
unit in the Second Service Party within a scheduled time.
[0101] The present invention provides a borrowing method, a data
interaction processing
method, an apparatus, and a system. By pre-establish a data association
relationship between a
data initiator and a service party through a data certificate. When a data
initiator receives a data
request that the data requestor needs the first data, it opens a data
certificate which data value is
less than the first data to the service party, making the service party freeze
the data association
relationship represented by the data certificate and the data initiator, the
Second Service Party can,
according to the data certificate, add the corresponding data value to the
data requestor. During the
process of data interaction, since the service party is added to the data
initiator First Participant)
and the data requester (Second Participant), and the relationship of
interaction between the data
initiator and the service party, the service party and the data requester are
established. Data
interaction between the data initiator and the data requester is monitored and
feed backed mutually.
Two advantages of adding a service party as a third party between a data
initiator and a data
requester include making the data association in one more way, and enriching
contents of data
interaction from various perspectives of the service party, the data initiator
and the data requester.
It enables the interacted data to be restored successfully from any other two
parties based on the
associated data relationships among these three parties when one party is
disabled for the data
interaction, so that the data security and the data stability are improved.
[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.
16
Date Recue/Date Received 2022-03-02
