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 respectively submits a first
borrowing request and a
second borrowing request; a Third Participant receives the first borrowing
request and a second
borrowing request respectively, a Fourth Participant receives the first
borrowing request and a
second borrowing request, then the Third Participant and Fourth Participant
respectively submits
the first credit certificate application and second credit certificate
application to first Funds-
Management server; the first Funds-Management server based on the first credit
certificate open
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application generates the corresponding first credit certificate and second
credit certificate, then
freezes the first funds and second funds which equal to borrowing limit of
first credit certificate
and second credit certificate in the Third Participant, and freezes the third
funds and fourth funds
which equal to the borrowing limit of third certificate and fourth certificate
in the Fourth
Participant, and deliver the first, second, third and fourth credit
certificate to the second Funds-
Management server; after the second Funds-Management server received the
first, second, third
and fourth credit certificate, deliver the funds which equal to the borrowing
limit of first borrowing
request to First Participant and deliver the funds which equal to the
borrowing limit of second
borrowing request to Second Participant; wherein, the second Funds-Management
server set the
repayment time of delivered funds, and monitor the repayment data of First
Participant and Second
Participant; the first Funds-Management server is the account management
server of Third
Participant and Fourth Participant, the second Funds-Management server is the
account
management server of First Participant and Second Participant.
[0007] An online lending method provided by the present invention, the
method includes: a
First Funds-Management server receive the open application of first credit
certificate and the Third
Participant based on the First Participant and Second Participant respectively
submit the first
borrowing request and second borrowing request, and receive the Fourth
Participant based on the
request of first borrowing request and second borrowing request initiates the
second credit
certificate open application; based on the first credit certificate open
application generates the
corresponding third credit certificate and fourth credit certificate, then
freeze the first funds and
second funds which equal to the borrowing request of first credit certificate
and second credit
certificate, deliver the first, second, third and fourth credit certificate to
the second Funds-
Management server, making the second Funds-Management server receives the
first, second, third
and fourth credit certificate, deliver the funds which equal to the borrowing
limit of second
borrowing request to Second Participant; wherein, the second Funds-Management
set the
repayment time of delivered funds, and monitor the repayment date of First
Participant and Second
Participant; the first Funds-Management server is the account management
server of Third
Participant and Fourth Participant, the second Funds-Management server is the
account
management server of First Participant and Second Participant.
[0008] Another online lending method provided by the present invention
includes: the second
Funds-Management server receives the first, second, third and fourth credit
certificate; wherein,
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the first credit certificate and second credit certificate is the first Funds-
Management server
receives the Third Participant based on the First Participant and Second
Participant respectively
submits the first borrowing request and second borrowing request and initiates
the first credit
certificate open application, the third credit certificate and fourth credit
certificate is the first
Funds-Management server receives the Fourth Participant based on the First
Participant and
Second Participant respectively submit the first borrowing request and second
borrowing request
and initiates the second credit certificate open application; and deliver the
funds which equal to
the borrowing limit of second borrowing request to Second Participant;
wherein, the second Funds-
Management server set the repayment time of the delivered funds, and monitor
the repayment date
of First Participant and Second Participant; the first Funds-Management server
is the account
management server of the Third Participant and Fourth Participant, the second
Funds-Management
server is the account management server of the First Participant and Second
Participant.
[0009] In the aforesaid on-line lending method, the Third and Fourth
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 four parties, the Third and Fourth
Participant guarantee
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; a
second data requester initiates a second data request that needs to add a
second data value to its
data unit; the first data requester receives the first data request and second
data request, submit the
open application of second data certificate to second data initiator, submit
the open application of
second data certificate to First Service Party; the First Service Party based
on the open application
of first data certificate generates the corresponding first data certificate
and second data certificate,
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and locks the first data which equal to the data value represented by the
first data certificate in the
data unit of first data initiator and the second data which equal to the data
value represented by the
second data certificate, and locks the third data which equal to the data
value represented by the
third data certificate in the data unit of second data initiator and fourth
data which equal to the data
value represented by the fourth certificate, and deliver the first, second,
third and fourth data
certificate to Second Service Party; the Second Service Party received the
first, second, third and
fourth data certificate add the data value which equal to the first data in
the data unit of first data
initiator and add the data value which equal to the first data in the data
unit of first data requester;
wherein, the Second Service Party set the that the first data requester and
second data requester
corresponding add the data value which equal to the first data and second data
in the data unit of
Second Service Party within the scheduled time.
[0012]
The present invention provides a data interaction processing method,
including: the
First Service Party the first data initiator based on the first data request
and second data request
and submit the data certificate open application, and receive the second data
initiator based on the
first data request and second data request respectively submit the data
certificate open application;
wherein, the first data request is request that the first data requester
initiates to add the request of
first data value to its data unit, the second data request is request that the
second data requester
initiates to add the request of second data value to its data unit; based on
the first data certificate
open application generates the corresponding first data certificate and second
data certificate,
based on the second data certificate open application generates the
corresponding third data
certificate and fourth data certificate, and locks the first data which equal
to the data value
represented by first data certificate in the data unit of first data initiator
and second data which
equal to the data value represented by the second data certificate, and locks
the third data which
equal to the data value represented by the third data certificate in the data
unit of second data
initiator and fourth data which equal to the data value represented by the
fourth data certificate;
and deliver the first, second, third and fourth data certificate to the Second
Service Party, making
the Second Service Party received the first, second, third and fourth data
certificate add the data
value which equal to first data in the data unit of first data requester and
add the data value which
equal to second data in the data unit of second data requester; wherein, the
Second Service Party
set that the first data requester and second data requester shall respectively
add the data value
which equal to the first data and second data in the data unit of Second
Service Party within the
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scheduled time.
[0013] A data interaction processing method of the present invention
including: a Second
Service Party receives the first, second, third and fourth certificate;
wherein, the first data
certificate and second data certificate is generated by the First Service
Party receive the first data
initiator based on the first data request and second data request initiates
the first data certificate
open application, the third data certificate and fourth data certificate is
generated by the First
Service Party receive the second data initiator based on the first data
request and second data
request initiates the second data certificate open application, the first data
request is that the first
data requester initiates to add the first data value to its data unit, the
second data request is that the
second data requester initiates to add the second data value to its data unit;
and add the data value
which equal to the first data to its data unit of first data requester and add
the data value which
equal to the second data to its data unit of second data requester; wherein,
the Second Service Party
set within the scheduled time that the first data requester and second data
requester shall add the
data value which equal to the first data and second data to its data unit of
Second Service Party.
[0014] The present invention provides a data interaction processing method,
including: the
first data requesting terminal is used to request to add the first data value
of first data value to its
data unit; the second requesting terminal is used to request to add the second
data value of second
data value to its data unit; the first data initiating terminal is used to
receive the first data request
and second data request, and submit the first data certificate open
application; the second data
initiating terminal is used to receive the first data request and second data
request, and deliver the
second data certificate open application; the First Server is used based on
the first data request and
second data request respectively submit the data certificate open application,
based on the first
data certificate open application generate corresponding first data
certificate and second data
certificate, based on the second data certificate open application generate
the corresponding third
data certificate and fourth data certificate, and locks the first data which
equal to the data value
represented by the first data certificate in the data unit of first data
initiator and second data which
equal to the data value represented by the second data certificate, and locks
the third data which
equal to the data value represented by the third data certificate in the data
unit of second data
initiator and fourth data which equal to the data value represented by the
fourth data certificate,
and deliver the first, second, third and fourth data certificate to the Second
Service Party; and the
Second Server is used to receive the first, second, third and fourth data
certificate, and add the data
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value which equal to the first data in the data unit of first data requester
and add the data value
which equal to the second data in the data unit of second data requester;
wherein, the Second
Service Party is set within the scheduled time that the first data requester
and second data requester
shall respectively add the data value which equal to the first data and second
data to the data unit
of Second Service Party.
[0015] The present invention provides a data interaction processing device,
including: the
receiving module is used to receive the first data initiator based on the
first data request and second
data request and submit the data certificate open application, and receive the
second data initiator
based on the first data request and second data request respectively submit
the data certificate open
application; wherein, the first data request is request that the first data
requester initiates to add the
request of first data value to its data unit, the second data request is
request that the second data
requester initiates to add the request of second data value to its data unit;
the processing module is
used based on the first data certificate open application generates the
corresponding first data
certificate and second data certificate, based on the second data certificate
open application
generates the corresponding third data certificate and fourth data
certificate, and locks the first data
which equal to the data value represented by first data certificate in the
data unit of first data
initiator and second data which equal to the data value represented by the
second data certificate,
and locks the third data which equal to the data value represented by the
third data certificate in
the data unit of second data initiator and fourth data which equal to the data
value represented by
the fourth data certificate; and delivery module is used to deliver the first,
second, third and fourth
data certificate to the Second Service Party, making the Second Service Party
received the first,
second, third and fourth data certificate add the data value which equal to
first data in the data unit
of first data requester and add the data value which equal to second data in
the data unit of second
data requester; wherein, the Second Service Party set that the first data
requester and second data
requester shall respectively add the data value which equal to the first data
and second data in the
data unit of Second Service Party within the scheduled time.
[0016] A data interaction processing device of the present invention
including: the receiving
module is used to receive the first, second, third and fourth certificate;
wherein, the first data
certificate and second data certificate is generated by the First Service
Party receive the first data
initiator based on the first data request and second data request initiates
the first data certificate
open application, the third data certificate and fourth data certificate is
generated by the First
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Service Party receive the second data initiator based on the first data
request and second data
request initiates the second data certificate open application, the first data
request is that the first
data requester initiates to add the first data value to its data unit, the
second data request is that the
second data requester initiates to add the second data value to its data unit;
and delivery module is
used to add the data value which equal to the first data to its data unit of
first data requester and
add the data value which equal to the second data to its data unit of second
data requester; wherein,
the Second Service Party set within the scheduled time that the first data
requester and second data
requester shall add the data value which equal to the first data and second
data to its data unit of
Second Service Party.
[0017] The above data interaction processing method, the data interaction
system, and the data
processing device provided by the present invention, when first and second
data initiator received
the first and second data initiator initiates a data request that needs to add
value to a data unit 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 data so that the Second
Service Party based on the
data certificate add the locked data value corresponding to the first and
second data requester, and
request the first, second data requester add the data value to the data unit
in the Second Service
Party within the schedule 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;
[0022] Figure 5 is a schematic flowchart of a lending method in a fourth
example of the present
invention;
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[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; and
[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, the Fourth Participant receives the first loan request and the second
loan request, and then
the Second Participant and the Fourth Participant submitted the first credit
certificate opening
application and the second credit certificate opening application to the first
Funds-Management
server respectively.
[0035] This letter of credit is a Bank Credit Certificate, opened for the
loan initiator with his
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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.
[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 S1 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 borrowing request.
[0039] Step 11, that is, the Third Participant receives the first loan
request and the second loan
request, and the Fourth Participant receives the first loan request and the
second loan request.
Afterwards, the Third Participant and the Fourth Participant submits the
application for opening
the first credit certificate and the second credit certificate to the first
Funds-Management server
respectively through the following steps:
[0040] Step S 11a, the Third Participant receives the first loan request
and the second loan
request through the server platform, and the Fourth Participant receives the
first loan request and
the second loan request through the server platform, and after that, the Third
Participant and the
Fourth Participant submit the first credit certificate application and the
second credit certificate
application to the first Funds-Management server respectively.
[0041] The Third and Fourth Participant can also visit the server platform
to find and receive
the lending request of the First Participant and the Second Participant.
[0042] In 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, based on the
second credit certificate open application generates corresponding first
credit certificate and
second credit certificate, based on the second certificate open application
generates the
corresponding third credit certificate and fourth credit certificate, then
freezes the first funds and
second funds which equal to the borrowing limit of first credit certificate
and second credit
certificate, and freeze the third credit certificate and fourth credit
certificate in the Fourth
Participant, and deliver the first, second, third and fourth credit
certificate to the second Funds-
Management server.
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[0043] Step S13, after receiving the first, second, third and fourth credit
certificate, deliver the
funds which equal to the borrowing limit of first borrowing request to First
Participant and deliver
the funds which equal to the borrowing limit of second borrowing request to
the Second
Participant. 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.
[0044] Wherein the second Funds-Management server sets the repayment time
of the issued
funds and monitors the repayment date of the First and Second Participant.
[0045] The first Funds-Management server is an account management server of
the Third
Participant and Fourth Participant, and the second Funds-Management server is
an account
management server of the First Participant and the Second Participant.
[0046] 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 and
Fourth Participant in
the first Funds-Management server or a credit limit given by the first Funds-
Management server
to the Third Participant and Fourth Participant, or the Third Participant and
Fourth Participant
mortgages the real estate to the first Funds-Management server.
[0047] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[0048] In the method of the present invention, the First Participant and
the Second Participant
are a borrower, and the Third and Fourth Participant are loan initiator.
[0049] For example, the first borrower issues a first borrowing request for
borrowing 100,000
and the second borrower issues a second borrowing request for borrowing
80,000, the first loan
initiator receive the two borrowing request and apply to the bank presenting
the first credit
certificate and second credit certificate, the second loan initiator receive
the two borrowing request
and present the third credit certificate and fourth credit certificate to the
first bank. The value
corresponding to the first, second, third, and fourth credit certificates may
be set according to the
credit of the initiating party of the situation and the funds allocation of
the borrower, and is not
specifically limited. For example, the value of the first credit certificate
is 20,000, the value of
the second credit certificate is 60,000, the value of the third credit
certificate is equivalent to
80,000, and the value of the fourth credit certificate is 20,000. In short,
the sum of the value of
the first second, third and fourth certificates is equal to 180,000. The
first bank freezes the funds
Date Recue/Date Received 2022-09-28
in the first bank of the first loan initiator and the second loan initiator,
wherein the value of the
funds of the first loan freeze is equal to the sum of the first and second
credit certificates, and the
first bank is frozen. The value of the funds of the second loan initiator is
the same as the sum of
the third and fourth credit certificate. AP, respectively freezing 80,000 of
the first loan initiator in
bank deposits and 10,000 of the second loan initiator in bank deposits as a
guarantee for the loan
initiator. The second bank then disbursed 180,000 of the funds to the first
borrower and the second
borrower, and the borrowing by the first borrower and the second borrower
succeeded.
[0050] For the loan initiator, the second loan initiator, the deposit of
100,000 in the bank are
not lent to the borrower by the bank, but simply frozen by the bank. The
100,000 deposits are
still in the loan initiator'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 100,000
deposit still belongs
to himself. For the borrower, it borrows from the loan initiator instead of
borrowing from the bank,
but the actual fund comes from the bank, and the fund is still returned to the
bank. Based on the
bank's solid strength and counter-force, it will strengthen self-discipline to
match the loan initiator
to complete the whole borrowing process and also further reduces the loan
initiator'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 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.
[0051] In the aforesaid method, the Third and Fourth 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 four participants, the Third Participant and Fourth
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
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Second Participant, thereby reducing the loan risk of the loan initiator.
[0052] 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:
[0053] Step S20, the first Funds-Management server receives the Third
Participant's
application for opening the first credit certificate according to the first
borrowing request and the
second borrowing request of the First Participant and the Second Participant,
and receives the
Fourth Participant based on the first borrowing request and second borrowing
request to initiates
the second credit certificate open application.
[0054] Step S21, opens an application to generate a first credit
certificate and a second credit
certificate according to the first credit certificate, based on the second
credit certificate open
application generates corresponding first credit certificate and second credit
certificate, based on
the second certificate open application generates the corresponding third
credit certificate and
fourth credit certificate, then freezes the first funds and second funds which
equal to the borrowing
limit of first credit certificate and second credit certificate in the Third
Participant, and freeze the
third funds and fourth funds which equal to borrowing limit of the third
credit certificate and fourth
credit certificate
[0055] 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.
[0056] Step S22, deliver the first, second, third and fourth certificate to
the second Funds-
Management server, so that after receiving the first, second, third and fourth
credit certificate,
deliver the funds which equal to the borrowing limit of first borrowing
request to First Participant
and deliver the funds which equal to the borrowing limit of second borrowing
request to Second
Participant. 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.
[0057] The first Funds-Management server is an account management server of
the Third
Participant and Fourth Participant, and the second Funds-Management server is
an account
management server of the First Participant and the Second Participant.
[0058] 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 and
Fourth Participant in
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the first Funds-Management server or a credit limit given by the first Funds-
Management server
to the Third Participant and Fourth Participant, or the Third Participant and
Fourth Participant
mortgages the real estate to the first Funds-Management server.
[0059] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[0060] In the method of the present invention, the First Participant and
the Second Participant
are a borrower, and the Third and Fourth Participant are loan initiator.
[0061] 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:
[0062] Step S30, the second Funds-Management server receives the first,
second, third and
fourth credit certificate. Wherein, the first credit certificate and second
credit certificate is
generated by the first Funds-Management server and the first Funds-Management
server receives
the Third Participant based on the First Participant and Second Participant
respectively submit the
first borrowing request and second borrowing request and initiates the first
credit certificate, the
third credit certificate and fourth credit certificate is generated by the
first Funds-Management
server and the first Funds-Management server receives the Fourth Participant
based on the First
Participant and Second Participant respectively submit the first borrowing
request and second
borrowing request and initiates the second credit certificate.
[0063] Step S31, deliver the funds which equal to the borrowing limit of
first borrowing
request to First Participant and deliver the funds which equal to the
borrowing limit of second
borrowing request to the Second Participant. 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.
[0064] The first Funds-Management server is an account management server of
the Third
Participant and Fourth Participant, and the second Funds-Management server is
an account
management server of the First Participant and the Second Participant.
[0065] 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 and
Fourth Participant in
the first Funds-Management server or a credit limit given by the first Funds-
Management server
to the Third Participant and Fourth Participant, or the Third Participant and
Fourth Participant
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Date Recue/Date Received 2022-09-28
mortgages the real estate to the first Funds-Management server.
[0066] In other examples, the first Funds-Management server and the second
Funds-
Management server are the same Funds-Management server.
[0067] In the method of the present invention, the First Participant and
the Second Participant
are a borrower, and the Third and Fourth Participant are loan initiator.
[0068] 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:
[0069] 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;
[0070] Specifically, the first data requester and second data requester
initiates a data request
through the First Server platform.
[0071] Step S41, the first data initiator receives the first data request
and the second data
request, submits the first data certificate establishment request to the First
Service Party, and the
second data initiator receives the first data request and the second data
request submits the second
data certificate opening application to the First Service Party.
[0072] Specifically, the first data initiator and the second data initiator
open a data certificate
opening application through the Second Service Party platform.
[0073] Wherein, the First Server platform and the Second Server platform
can be the same
server platform or different server platforms.
[0074] 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 first data
initiator and the second data initiator respond to the data request through
the e-commerce platform
to open the data certificate.
[0075] 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, in the data
unit of the first data initiating party, the first data certificate
represented by the first data certificate,
and locking the second data in the data unit of the second data initiator
equal to the data value
represented by the second data certificate and sending the first data
certificate and the second data
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Date Recue/Date Received 2022-09-28
certificate to Second Service Party. Step S42, the First Service Party opens
an based on the first
data certificate open application generates the corresponding first data
certificate and second data
certificate, based on the second data certificate open application generates
the corresponding third
data certificate and fourth data certificate, and locks the first data which
equal to the data value
represented by the first data certificate in the data unit of first data
initiator and second data which
equal to the data value represented by the second data certificate, and locks
the third data which
equal to the data value represented by the third data certificate in the data
unit of second data
initiator and fourth data which equal to the data value represented by the
fourth data certificate,
and deliver the first, second, third and fourth data certificate to the Second
Service Party.
[0076] Step S43, the Second Service Party receives the first, second, third
and fourth data
certificate, adds the data value that is equal to the data value of the first
data in the data unit of the
first data requester, and adds the data value that is equal to the data value
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.
[0077] The data interaction processing method in the example of the present
invention is
described below by way of example.
[0078] For example, the first data requester is User Al, the second data
requester is User A2,
the first data initiator is User B 1, and the second data initiator is User
B2. User B 1, B2 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. When the User
Al, A2 initiates
a corresponding data request through the First Server platform, the first data
request is a partial
password for requesting administrator's authority of the Client 2, and the
second data request is
another partial password for requesting administrator's authority of the
Client 2.
[0079] When receiving the first data request, the User Bl and B2 apply to
the First Service
Party to open the data certificate through the Second Server platform.
Wherein, User Bl, B2'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
is a smart TV. Therefore, you need to set the importance level of the client's
administrator
Date Recue/Date Received 2022-09-28
privileges from high to low: Client 1, Client 3, Client 2, Client 4, Client 5.
When User Bl, B2
agrees to give the administrator rights of Client 2 to User Al, A2, the
corresponding data certificate
is provided to the First Service Party. The data certificate may be an
operation log when the User
Bl and B2 manage the Client 2, so as to prove the security and reliability of
the User Bl and B2.
[0080] When the First Service Party receives the data certificate submitted
by the User Bl,
B2, the First Service Party blocks the administrator right of the User B 1, B2
on the Client 2
according to the relevant contents of the data certificate, that is, the User
Bl, B2 can not use the
corresponding password to manage the Client 2. At the same time, the Second
Service Party sends
two passwords of the administrator's right of the Client 2 to the User Al, A2
according to the data
certificate sent by the First Service Party. And, the Service Party can set
the time when User Al
and A2 returns the administrator authority of Client 2 for two passwords, and
time for returning
the two passwords can be the same or different. For example, the Second
Service Party provider
sets User Al needs to return the part password of administrator right of
Client 2 to User Bl within
a month, and User A2 needs to return another password of administrator right
of Client 2 to User
B2 within four months.
[0081] When User Al and A2 return the administrator right of corresponding
client to the
Second Service Party within the specified time, the First Service Party
release User Bland B2 to
administrator right of Client 2, and User Al and A2 can no longer manage
Client 2 using the
corresponding password. When User Al and A2 does not return the administrator
authority of
client to the Service Party at the specified time, the Service Party sends a
notification to User Al
and A2 to prompt him to return the administrator's rights. If the Second
Service Party does not
receive the administrator rights of the client returned by the User Al, A2
over a certain period of
time, the User Bl, B2's administrator rights on the Client 2 are completely
cancelled.
[0082] In the above, when the User Bl, B2 (data initiator) receives a
request from the User
Al, 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 Bl, B2 sends client's password to User Al, A2. On the
one hand, User
Bland B2 give the administrator authority to User Al and A2 through the server
for risk control,
and User Bl, B2'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 return or fail
to return the
administrator rights on time, the server can notify User Al and A2 to promptly
return or cancel the
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Date Recue/Date Received 2022-09-28
User Bland B2's administrator rights so as to ensure every administrator's
safety of the client
terminal and not to cause the client's data Management confusion, and avoid
the risk of client data
security issues.
[0083] 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.
[0084] 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:
[0085] Step S50, the First Service Party receives an application for data
certificate separately
submitted by the first data initiator according to the first data request and
the second data request,
and receives the data certificate submitted by the second data initiator
according to the first data
request and the second data requests submitted separately for the data
certificate to open 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
[0086] Specifically, the data requester respectively initiates a data
request of the first and
second data through the First Server platform. The first data initiator and
the second data initiator
apply to the server through the Second Server platform for opening a data
certificate.
[0087] Wherein, the First Server platform and the Second Server platform
can be the same
server platform or different server platforms.
[0088] 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.
[0089] Step S42, based on the first data certificate open application
generates the
corresponding first data certificate and second data certificate, based on the
second data certificate
open application generates the corresponding third data certificate and fourth
data certificate, and
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Date Recue/Date Received 2022-09-28
locks the first data which equal to the data value represented by the first
data certificate in the data
unit of first data initiator and second data which equal to the data value
represented by the second
data certificate, and locks the third data which equal to the data value
represented by the first data
certificate in the data unit of second data initiator and fourth data which
equal to the data value
represented by the fourth data certificate.
[0090] Step S52, deliver the first, second, third and fourth data
certificate to the Second Service
Party, after the Second Service Party receives the first, second, third and
fourth data certificate,
adds the data value equal to the first data to the first data requester data
unit and adds the data value
equal to the second data 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.
[0091] 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:
[0092] In step S60, the Second Service Party receives the first, second,
third and fourth data
certificate. Wherein, the first data certificate and second data certificate
is generated by the First
Service Party and received the first data initiator based on the first data
request and second data
request initiates the first data certificate open application, the third data
certificate and fourth data
certificate is generated by the First Service Party and received the second
data initiator based on
the first data request and second data request initiates the second data
certificate open application,
the first data request is that the first data requester initiates the request
to add the request of first
data value to its data unit, the second data request is that the second data
requester initiates the
request to add the request of second data value to its data unit.
[0093] 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.
[0094] 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 requesting Terminal 71, a second data requesting
Terminal 72, a first
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Date Recue/Date Received 2022-09-28
data initiating Terminal 73, a second data initiating Terminal 74, and a First
Server 75 and Second
Sever 76.
[0095] 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.
[0096] 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.
[0097] The first data initiating Terminal 73 is used to receive the first
data request and the
second data request and submit a first data certificate opening application.
[0098] The second data initiating Terminal 74 is used to receive the first
data request and the
second data request and submit a second data certificate opening application.
[0099] 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.
[0100] The first data initiating Terminal 73 and the second data initiating
Terminal 74 are
configured to receive the data request from the data requester, and submit the
data certificate open
application to the server respectively.
[0101] Specifically, the first data initiating Terminal 73 and the second
data initiating Terminal
74 open the data certificate to the First Server 75 through the Second Server
platform.
[0102] Wherein, the First Server platform and the Second Server platform
can be the same
server platform or different server platforms.
[0103] Further, the First Server platform and the Second Server platform
can be an e-
commerce platform, and the first data requesting terminal 71 and the second
data requesting
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 first data
initiating Terminal 73 and the
second data initiating Terminal 74 respond to the data request through the e-
commerce platform to
open the data certificate.
[0104] The First Server 75 is used to receive an application for data
certificate separately
submitted by the first data initiating Terminal 73 according to the first data
request and the second
data request, and receive the data certificate application created by the
second data initiating
Terminal 74 according to the first data request and the second data request
separately submits the
data certificate opening application, the first data certificate opening
application is generated
corresponding to the first data certificate and the second data certificate,
and the second data
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Date Recue/Date Received 2022-09-28
certificate open application is generated corresponding to the third data and
the fourth data
certificate and locks the first data in the data unit of the first data
initiating Terminal 73 that is
equal to the data value represented by the first data certificate and the data
value that is equal to
the data value represented by the second data certificate, and fourth data
that locks in the data unit
of the second data initiating Terminal 74 equal to the data value represented
by the third data
certificate and fourth data equal to the data value represented by the fourth
data certificate, and
sends the first, second, third, fourth data certificate to the Second Server
76.
[0105] The Second Server 75 is used to receive the first, second, third and
fourth data
certificate and the second data certificate, and adds a data value equal to
the first data 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 76
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 76
within a scheduled
time.
[0106] 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.
[0107] The receiving module 81 is configured to receive an application for
data certificate
separately submitted by the first data initiator according to the first data
request and the second
data request, and receives the data certificate submitted by the second data
initiator according to
the first data request and the second data requests submitted separately for
the data certificate to
open 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
[0108] Specifically, the data certificate receiving module 81 receives the
data certificate
opened by the first data initiator through a server platform.
[0109] The First Server 82 is used based on the first data certificate open
application generates
the corresponding first data certificate and second data certificate, based on
the second data
certificate open application generates the corresponding third data
certificate and fourth data
certificate, and locks the first data which equal to the data value
represented by the first data
Date Recue/Date Received 2022-09-28
certificate in the data unit of first data initiator and second data which
equal to the data value
represented by the second data certificate, and locks the third data which
equal to the data value
represented by the first data certificate in the data unit of second data
initiator and fourth data
which equal to the data value represented by the fourth data certificate.
[0110] The issuing module 83 is used to deliver the first, second, third
and fourth data
certificate to the Second Service Party, after the Second Service Party
receives the first, second,
third and fourth data certificate, adds the data value equal to the first data
to the first data requester
data unit and adds the data value equal to the second data 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.
[0111] 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.
[0112] The receiving module 91 is used to receive first, second, third and
fourth data
certificates. Wherein, the first data certificate and second data certificate
is generated by the First
Service Party and received the first data initiator based on the first data
request and second data
request initiates the first data certificate open application, the third data
certificate and fourth data
certificate is generated by the First Service Party and received the second
data initiator based on
the first data request and second data request initiates the second data
certificate open application,
the first data request is that the first data requester initiates the request
to add the request of first
data value to its data unit, the second data request is that the second data
requester initiates the
request to add the request of second data value to its data unit.
[0113] 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.
[0114] 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
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Date Recue/Date Received 2022-09-28
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.
[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 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 schedule time. The above
data interaction
processing method, the data interaction system, and the data processing device
provided by the
present invention, when first and second data initiator received the first and
second data initiator
initiates a data request that needs to add value to a data unit 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 data so that the Second Service Party based on the data
certificate add the locked
data value corresponding to the first and second data requester, and request
the first, second data
requester add the data value to the data unit in the Second Service Party
within the schedule 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] 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 scope of the present
invention.
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