Note: Descriptions are shown in the official language in which they were submitted.
Lending Method, and Data Interaction Processing Method, Device And
System
[1] Technical Field
[2] The present invention relates to the field of credit, and in particular,
to a borrowing method,
data interaction processing method, device and system.
[3] Background Technology
[4] 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.
[5] 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.
[6] Summary of the Invention
[7] 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).
[8] In order to solve the above technical problems, a technical solution
adopted in this invention
is to provide a lending method, including: the First Participant and Second
Participant applies to
the first Funds-Management server for issuing the corresponding first
electronic commitment
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payment certificate and second electronic commitment payment certificate
respectively
according to the borrowing request of Third Participant, wherein the value sum
of the first
electronic commitment payment certificate and the second electronic commitment
payment
certificate is less than the value of the borrowing requested by the Third
Participant, and the first
electronic commitment certificate is issued by the first Funds-Management
server based on the
deposit balance or credit limit in the First Participant's account as the
guarantee funds, the
second electronic commitment certificate is issued by the first funds-
Management server based
on the deposit balance or credit limit in the Second Participant's account as
the guarantee funds;
the first Funds-Management server, based on the issued first electronic
commitment payment
certificate and the second electronic commitment payment certificate,
respectively freezes first
funds in the first participant's account, and second funds on the second
participant's account.
Wherein the value of the first funds is equal to the value of the first
electronic commitment
payment certificate of the First Participant, and the value of the second
funds is equal to the
value of second electronic commitment payment certificate of the Second
Participant; the second
Funds-Management server receives the first electronic commitment payment
certificate and the
second commitment payment certificate together and releases the first funds
and second funds
together to the Third Participant. Wherein the electronic commitment payment
certificate is
issued by the first Funds-Management server and includes information of the
first electronic
commitment payment certificate and the second electronic commitment payment
certificate
together. Wherein the value of the released funds is equal to the value sum of
the first electronic
commitment payment certificate and second electronic commitment payment
certificate, and the
value of the released funds is less than the value of the borrowing request.
Wherein the value of
the released funds is equal to the value sum of the first electronic
commitment payment
certificate and second electronic commitment payment certificate; and the
second Funds-
Management server releases third funds to the Third Participant according to a
remaining
borrowing request initiated by the third participant. Wherein the value sum of
the first funds, the
second funds and the third funds are equal to the value of the borrowing
request. and a
repayment time is set up by the second Funds-Management server for the first
funds, the second
funds and third funds to make sure the borrower repays the first funds, second
funds and the third
funds within the repayment time.
[9] In order to solve the above technical problem, another technical solution
adopted by the
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present invention is to provide a borrowing method, including: the first Funds-
Management
server issues a first electronic commitment payment certificate and a second
electronic
commitment payment certificate according to a request for issuing a first
electronic commitment
payment certificate applied by a First Participant, and a request for issuing
a second electronic
commitment payment certificate applied by a Second Participant respectively,
when the First
Participant and the Second Participant respectively receive a borrowing
request delivered by a
Third Participant and the First Participant delivers a request for issuing the
first electronic
commitment payment certificate and the Second Participant delivers the request
for issuing the
first electronic commitment payment certificate; Wherein the value sum of the
first electronic
commitment payment certificate and the second electronic commitment payment
certificate is
less than the value of the borrowing requested by the Third Participant, and
the first electronic
commitment certificate is issued by the first Funds-Management server based on
the deposit
balance or credit limit in the First Participant's account as the guarantee
funds, the second
electronic commitment certificate is issued by the first funds-Management
server based on the
deposit balance or credit limit in the Second Participant's account as the
guarantee funds; the
first Funds-Management server, based on the issued first electronic commitment
payment
certificate and the second electronic commitment payment certificate,
respectively freezes the
first funds on the first participant's account, and second funds on the second
participant's
account. Wherein the value of the first funds is equal to the value of the
first electronic
commitment payment certificate of the First Participant, and the value of the
second funds is
equal to the value of second electronic commitment payment certificate of the
Second
Participant; and the first Funds-Management server delivers the first
electronic commitment
payment certificate and the second electronic commitment payment certificate
to the second
Funds-Management server, to enable the second Funds-Management server to
release the funds
to the Third Participant. Wherein the value of the released funds is equal to
the value sum of the
first electronic commitment payment certificate and second electronic
commitment payment
certificate. A repayment time is set up by the second Funds-Management server
for the first
funds, the second funds and third funds to make sure the borrower repays the
first funds, second
funds and the third funds within the repayment time.
[10]In order to solve the above technical problem, another technical solution
adopted by the
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present invention is to provide a lending method, where the method including:
the second Funds-
Management server receives a first electronic commitment payment certificate
and a second
electronic commitment payment certificate delivered by the first Funds-
management server,
wherein the first electronic commitment payment certificate and the second
electronic
commitment payment certificate are issued by the first Funds-Management server
according to a
request for issuing a first electronic commitment payment certificate applied
by a First
Participant and a request for issuing a second electronic commitment payment
certificate applied
by a Second Participant respectively. Wherein the value sum of the first
electronic commitment
payment certificate and the second electronic commitment payment certificate
is less than the
value of the borrowing requested by the Third Participant, and the first
electronic commitment
certificate is issued by the first Funds-Management server based on the
deposit balance or credit
limit in the First Participant's account as the guarantee funds, the second
electronic commitment
certificate is issued by the first funds-Management server based on the
deposit balance or credit
limit in the Second Participant's account as the guarantee funds as the
guarantee funds; the
second Funds-Management server releases the funds to the Third Participant.
Wherein the value
of the released funds is equal to the value sum of the first electronic
commitment payment
certificate and second electronic commitment payment certificate; and the
second Funds-
Management server releases third funds to the Third Participant according to a
remaining
borrowing request initiated by the third participant. Wherein the value sum of
the first funds, the
second funds and the third funds are equal to the value of the borrowing
request, and the
repayment time is set up by the second Funds-Management server for the first
funds, the second
funds and third funds to make sure the borrower repays the first funds, second
funds and the third
funds within the repayment time.
[11] 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: a first data initiator and a second data initiator, based on a data
request for processing
a subtotal data value initiated by a data requester, respectively initiates a
request for processing a
data value on a first data unit and a request for processing a second data
value on a second data
unit, to enable a First Server to issue a first data certificate and a second
data certificate; wherein
the first data certificate corresponds to the request for processing the first
data value on the first
data unit, and the second data certificate corresponds to the request for
processing the second
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data value on the second data unit; wherein the sum of the numeric data on the
first data
certificate and the numeric data on second data certificate is less than a
numeric data of the
subtotal in the data request by the data requestor; wherein the data value sum
of the first data
certificate and the second data certificate represents a numeric data
corresponding to a total
amount of funds provided by first co-lender and the second co-lender; where
the first data
certificate is a quantitative tool that pre-establishing a data association
relationship between the
first data initiator and the First Server, and the second data certificate is
a quantitative tool that
pre-establishing a data association relationship between the second data
initiator and the First
Server; the First Server, based on the issued first data certificate, locks a
first numeric data on the
first initiator's data unit, wherein the first numeric data is equal to the
numeric data on the first
data certificate, and the First Server, based on the issued second data
certificate, locks a second
numeric data on the second initiator's data unit, wherein the second numeric
data is equal to the
numeric data on the second data certificate; and the Second Server receives
the first data
certificate and second data certificate issued by the First Server, and
processes a subtotal data
value on the data requestor's data unit; wherein the subtotal data value is
equal to the sum of the
first numeric data on the first data certificate and the second numeric data
on the second data
certificate.
[12]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:
a data request terminal configured to initiate a data request for processing a
subtotal data value
on a data requestor's data unit; a first data initiator terminal configured to
apply a request for
processing a data value on a first data unit based on the data request for
processing the subtotal
data value initiated by the data requesting terminal; the second data
initiator terminal configured
to apply to a request for processing a data value on a second data unit based
on the data request
for processing the subtotal data value initiated by the data requesting
terminal; the first server
configured to, based on the issued first data certificate and second data
certificate, lock a first
numeric data on the first initiator's data unit and lock a second numeric data
on the second
initiator's data unit, wherein the first numeric data is equal to the numeric
data on the first data
certificate, wherein the second numeric data is equal to the numeric data on
the second data
certificate; wherein the sum of the numeric data on the first data certificate
and the numeric data
on second data certificate is less than a numeric data of the subtotal data
value in the data request
Date Recue/Date Received 2022-09-28
by the data requestor; wherein the first data certificate is a quantitative
tool that pre-establishing
a data association relationship between the first data initiator and the First
Server, and the second
data certificate is a quantitative tool that pre-establishing a data
association relationship between
the second data initiator and the First Server; the Second Server configured
to receive the first
data certificate and second data certificate issued by the First Server and
process a subtotal data
value on the data requestor's data unit, wherein the subtotal data value is
equal to the sum of the
first numeric data on the first data certificate and the second numeric data
on the second data
certificate; and the Second Server further configured to process a third data
value on the data
requestor's data unit when receiving an additional data request initiated by
the data requestor;
wherein the additional data request is used for processing the third data on
the data requestor's
data unt; wherein the third data value is equal to a numeric data in the
additional data request;
wherein the sum of the subtotal data value and the third data value processed
by the Second
Server is equal to the numeric data in the data request.
[13]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: a First Server respectively issues a first data certificate and a
second data certificate
when receiving a request for processing a data value on a first data unit and
a request for
processing a second data value on a second data unit. Wherein the request for
processing the data
value on the first data unit is initiated by a first data initiator based on a
data request for
processing a subtotal data value initiated by a data requester; wherein the
sum of the numeric
data on the first data certificate and the numeric data on second data
certificate is less than a
numeric data of the subtotal data value in the data request by the data
requestor; where the first
data certificate is a quantitative tool that pre-establishing a data
association relationship between
the first data initiator and the First Server, and the second data certificate
is a quantitative tool
that pre-establishing a data association relationship between the second data
initiator and the
First Server; the First Server, based on the issued first data certificate,
locks a first numeric data
on the first initiator's data unit, wherein the first numeric data is equal to
the numeric data on the
first data certificate, and the First Server, based on the issued second data
certificate, locks a
second numeric data on the second initiator's data unit, wherein the second
numeric data is equal
to the numeric data on the second data certificate; and the First Server
delivers the first data
certificate and second data certificate to the Second Server, to enable the
Second Server to
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process the subtotal data value on the data requestor's data unit and set up a
scheduled time to
make sure the subtotal data value on the Second Server's data unit processed
by the data
requestor within the scheduled time; wherein the subtotal data value is equal
to the sum of the
first numeric data on the first data certificate and the second numeric data
on the second data
certificate.
[14]In order to solve the above technical problem, another technical solution
adopted by the
present invention is to provide a data interaction processing device, where
the device including: a
data certificate issuing module configured to respectively issue a first data
certificate and a
second data certificate when receiving a request for processing a data value
on a first data unit
and a request for processing a second data value on a second data unit;
wherein the sum of the
numeric data on the first data certificate and the numeric data on second data
certificate is less
than a numeric data of the subtotal data value in the data request by the data
requestor; wherein
the first data certificate is a quantitative tool that pre-establishing a data
association relationship
between the first data initiator and the First Server, and the second data
certificate is a
quantitative tool that pre-establishing a data association relationship
between the second data
initiator and the First Server; a processing module configured to, based on
the issued first data
certificate, lock a first numeric data on the first initiator's data unit,
wherein the first numeric
data is equal to the numeric data on the first data certificate, and the
processing module 82 is
further configured to, based on the issued second data certificate, lock a
second numeric data on
the second initiator's data unit, wherein the second numeric data is equal to
the numeric data on
the second data certificate; and a delivery module configured to deliver the
first data certificate
and second data certificate to the Second Server, to enable the Second Server
to process the
subtotal data value on the data requestor's data unit and set up a scheduled
time to make sure the
subtotal data value on the Second Server's data unit processed by the data
requestor within the
scheduled time; wherein the subtotal data value is equal to the sum of the
first numeric data on
the first data certificate and the second numeric data on the second data
certificate.
[15]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:
a Second Server receives a first data certificate and a second data
certificate. The first data
certificate is issued by a First Server when receiving a request for
processing a data value on a
first data unit. The second data certificate is issued by the First Server
when receiving a request
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for processing a second data value on a second data unit; wherein the sum of
the numeric data on
the first data certificate and the numeric data on second data certificate is
less than a numeric
data of the subtotal data value in the data request by the data requestor;
wherein the first data
certificate is a quantitative tool that pre-establishing a data association
relationship between the
first data initiator and the First Server, and the second data certificate is
a quantitative tool that
pre-establishing a data association relationship between the second data
initiator and the First
Server; the Second Server processes a subtotal data value on the data
requestor's data unit. The
subtotal data value is equal to the sum of the first numeric data on the first
data certificate and
the second numeric data on the second data certificate; and the Second Server
processes a third
data value on the data requestor's data unit when receiving an additional data
request initiated by
the data requestor; wherein the additional data request is used for processing
the third data on the
data requestor's data unit; wherein the third data value is equal to a numeric
data in the additional
data request, wherein, the sum of the subtotal data value and the third data
value processed by
the Second Server is equal to the numeric data in the data request. A
scheduled time is set up by
the Second Server to make sure the subtotal data value on the Second Server's
data unit
processed by the data requestor within the scheduled time.
[16]In order to solve the above technical problem, another technical solution
adopted by the
present invention is to provide a receiving module configured to receive a
first data certificate
and second data certificate; wherein the sum of the numeric data on the first
data certificate and
the numeric data on second data certificate is less than a numeric data of the
subtotal data value
in the data request by the data requestor; where the first data certificate is
a quantitative tool that
pre-establishing a data association relationship between the first data
initiator and the First
Server, and the second data certificate is a quantitative tool that pre-
establishing a data
association relationship between the second data initiator and the First
Server; and a issuing
module configured to process a subtotal data value on the data requestor's
data unit, and process
a third data value on the data requestor's data unit when receiving an
additional data request
initiated by the data requestor; wherein the additional data request is used
for processing the third
data on the data requestor's data unit; wherein, the sum of the subtotal data
value and the third
data value processed by the Second Server is equal to the numeric data in the
data request; a
scheduled time is set up by the Second Server to make sure the subtotal data
value on the Second
Server's data unit processed by the data requestor within the scheduled time.
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[17]In the above scheme, due to participation of the first server and the
second server in the
process of data interaction, the data interaction relationships are
established between the data
initiator (co-lenders) and the servers, and between the servers and the data
requester (borrower)
in order to monitor the processing data and data feedback between the data
initiator and the data
requestor. Advantageously, processing data (or data association relationships)
can be restored
from other two parties when any one party fails to call data in the technical
problem. Therefore,
the present invention enriches the data interaction relationships to improve
data security and data
interaction stability.
[18]Brief Description of the Drawings
[19]Figure 1 is a lending method in a first example of the present invention;
[20]Figure 2 is a schematic flowchart of a lending method in a second example
of the present
invention;
[21]Figure 3 is a schematic flowchart of a lending method in a third example
of the present
invention;
[22]Figure 4 is a schematic flowchart of a lending method in a fourth example
of the present
invention;
[23]Figure 5 is a schematic flow chart of a data interaction processing method
in a first example
of the present invention;
[24]Figure 6 is a schematic flowchart of a data interaction processing in a
second example of the
present invention;
[25]Figure 7 is a schematic flowchart of a data interaction processing method
in a third example
of the present invention;
[26]Figure 8 is a schematic structural diagram of a data interaction
processing system in an
example of the present invention;
[27]Figure 9 is a schematic structural diagram of a first server embodied in
the data interaction
processing system of Figure 8 of the present invention;
[28]Figure 10 is a schematic structural diagram of a second server embodied in
the data
interaction processing system of Figure 8 of the present invention.
[29]Description of the Preferred Examples
[30]The present invention will be described in detail below with reference to
the accompanying
drawings and examples.
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[31]Referring to Figure 1, it is a schematic flowchart of a borrowing method
according to a first
example of the present invention. The method flow shown in this example
includes the following
steps:
[32] Step S10, the First Participant and Second Participant applies to the
first Funds-Management
server for issuing the corresponding first electronic commitment payment
certificate and second
electronic commitment payment certificate respectively according to the
borrowing request of
Third Participant.
[33]Wherein the value sum of the first electronic commitment payment
certificate and the
second electronic commitment payment certificate is less than the value of the
borrowing
requested by the Third Participant, and the first electronic commitment
certificate is issued by the
first Funds-Management server based on the deposit balance or credit limit in
the First
Participant's account as the guarantee funds, the second electronic commitment
certificate is
issued by the first funds-Management server based on the deposit balance or
credit limit in the
Second Participant's account as the guarantee funds.
[34]In the method of the present invention, the First Participant and Second
Participant are co-
lenders, and Third Participant is a borrower.
[35]Please refer to Figure 2, further, step S10, that is, the First
Participant and Second Participant
respectively applies to the Funds-Management server for issuing the first
electronic commitment
payment certificate and second electronic commitment payment certificate
according to the
borrowing request of the Third Participant, the following steps are as
followed:
[36] Step SlOa, the Third Participant initiates the borrowing request through
a server platform.
[37]Wherein, the server platform can be an e-commerce platform, and the
borrower may also
visit the e-commerce platform through an application to complete the
initiation of a borrowing
request, the application is installed on an intelligent terminal.
[38] Step SlOb, the First Participant and Second Participant respectively
receives the borrowing
request initiated by the third participant, and the first participant applies
an request for issuing the
first electronic commitment payment certificate to the first Funds-Management
server according
to the borrowing request, and the second participant applies an request for
issuing the second
electronic commitment payment certificate to the first Funds-Management
server, wherein the
first electronic commitment payment certificate and second electronic
commitment payment
certificate are both issued by the first Funds-Management server.
Date Recue/Date Received 2022-09-28
[39]The first participant as a co-lender and second participant as a co-lender
can also
respectively visit the server platform directly to find and receive an
borrowing request of an
borrower on the server platform Further, the first participant and second
participant can check a
plurality of borrowing requests initiated by a plurality of borrowers through
the server platform,
and select a suitable borrowing request from the plurality of borrowing
requests to receive.
[40] Step Sll, the first Funds-Management server, based on the issued first
electronic
commitment payment certificate and the second electronic commitment payment
certificate,
respectively freezes first funds in the first participant's account, and
second funds on the second
participant's account. Wherein the value of the first funds is equal to the
value of the first
electronic commitment payment certificate of the First Participant, and the
value of the second
funds is equal to the value of second electronic commitment payment
certificate of the Second
Participant.
[41]The frozen funds include the first funds frozen on the first participant's
account and the
second funds frozen on the second participant's account. The first frozen
funds and/or the second
frozen funds may be deposit balances of the First Participant and/or Second
Participant on the
first Funds-Management server respectively, or may be credit limits of the
First Participant and
/or Second Participant respectively, or may be pledged real estate of the
first participant and/or
second participant ver. Wherein the credit limit is given by the first Funds-
Management server.
Wherein the real estate is pledged through the first Funds-Management server.
[42] Step S12, the second Funds-Management server receives the first
electronic commitment
payment certificate and the second commitment payment certificate together and
releases the
first funds and second funds together to the Third Participant. Wherein the
electronic
commitment payment certificate is issued by the first Funds-Management server
and includes
information of the first electronic commitment payment certificate and the
second electronic
commitment payment certificate together. Wherein the value of the released
funds is equal to the
value sum of the first electronic commitment payment certificate and second
electronic
commitment payment certificate, and the value of the released funds is less
than the value of the
borrowing request.
[43] In the present example, the first Funds-Management server is a first
Funds-Management
bank server operated on a banking system, and the second Funds-Management
server is a second
Funds-Management bank server operated on a banking system.
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Date Recue/Date Received 2022-09-28
[44]In other examples, the first Funds-Management server and the second Funds-
Management
server are the same Funds-Management bank server operated on a banking system.
[45] Step S13, the second Funds-Management server releases third funds to the
Third Participant
according to a remaining borrowing request initiated by the third participant.
Wherein the value
sum of the first funds, the second funds and the third funds are equal to the
value of the
borrowing request. and a repayment time is set up by the second Funds-
Management server for
the first funds, the second funds and third funds to make sure the borrower
repays the first funds,
second funds and the third funds within the repayment time.
[46]Further, the second Funds-Management server also performs credit
evaluation to the Third
Participant before releasing the third funds to the Third Participant, and
where if the result of
credit evaluation is qualified, the second Funds-Management server releases
the third funds to
the third participant.
[47]For example, the borrower submits a borrowing request for 100,000. After
receiving the
borrowing request, the first co-lender and the second co-lender respectively
apply for issuing the
first electronic commitment payment certificate and second electronic
commitment payment
certificate to the first bank server. Wherein, the value of first electronic
commitment payment
certificate is 20,000, the value of second electronic commitment payment
certificate is 60,000.
That is, the total value of the first electronic commitment certificate and
the second electronic
commitment certificate is less than 100,000. The first bank server freezes
the funds of the first
co-lender's account and the second co-lender's account together on the first
bank, wherein, the
value of the frozen funds is equal to the total value of first and second
electronic commitment
payment certificate. For example, freezing 20,000 deposit balance of the
first co-lender's
account on the first bank deposit balance and 60,000 of the deposit balance
on the second co-
lender's account on the first bank deposit balance as a guarantee for the co-
lenders. The second
bank server then receives first and second electronic commitment payment
certificates issued by
the first bank server and the second bank server releases 80,000 of the funds
to the borrower's
account. The borrower initiates an additional borrowing request to the bank
according to the
remaining 20,000 loans, then the second bank releases 20,000 funds to the
borrower when the
borrower is passed the credit evaluation by the second bank server, and the
loan was successfully
approved.
[48]For the lender side, 60,000 of the funds on the second co-lender's
account are not
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Date Recue/Date Received 2022-09-28
transferred to the borrower's account by the first bank server at the this
time, but simply frozen
for unavailability to use by the first bank server. The 60,000 deposit
balance of the funds are
still on the second co-lender's account and belong to the second co-lender. As
a result, the
financial risk is greatly reduced and the additional benefits may also be
gained because the
ownership of 60,000 deposit balance of the funds are still belong to the
second co-lender. For
the borrower side, the funds for borrowing are requested to individual lenders
instead of
borrowing from the bank, but the actual funds come from the bank, and the
funds should be
repaid to the bank through the bank server. Based on the bank's solid strength
and counter-force,
it will strengthen self-discipline to coordinate the lenders to complete the
whole lending process
and reduce the financial risk of the lender side. In addition, the
participation of bank enables the
lending process going smoothly for the borrower, the borrower can easily
borrow money. For the
bank side, the 60,000 of funds released to the borrower were based on the
frozen 60,000 as
guarantee funds, the financial risk of the lending money is not taken by the
bank side, and
because of bank's solid strength and counter-force, and bank can guarantee the
smooth
completion of the lending process to some extent. In this way, the lending
process is helpful to
explore more potential individual clients and obtain client information as
well as the additional
benefits.
[49]In the above solution, the First Participant and Second Participant
respectively applies for
issuing the first electronic commitment payment certificate and second
electronic commitment
payment certificate to First Funds-Management sever, when the First
Participant and Second
Participant receiving the borrowing request of a Third Participant; wherein,
the total value of first
electronic commitment payment certificate and the second electronic commitment
payment
certificate is less than the borrowing value of the Third Participant., the
first Funds-Management
server respectively freezes the first funds and second funds. Wherein the
value of the first funds
is which equal to the value of the first electronic commitment payment
certificate of the First
Participant, and the value of the second funds which is equal to the value of
second electronic
commitment payment certificate of the Second Participant., and the second
Funds-Management
server releases the funds to the Third Participant based on the first
electronic commitment
payment certificate and the second electronic commitment payment certificate
issued by the first
Funds-Management server, wherein the value of the released funds is equal to
the value sum of
the first electronic commitment payment certificate and second electronic
commitment payment
13
Date Recue/Date Received 2022-09-28
certificate; meanwhile the second Funds-Management server releases the
remaining funds for the
borrowing request to the Third Participant directly. Thus, as an intermediary
platform between
the Third Participant and other individual participants, the Funds-Management
servers releases
the funds for lending to the Third Participant based on the available funds of
the individuals as
guarantee funds, to reduce financial risk in the lending process.
[50]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:
[51] Step S20, the first Funds-Management server issues a first electronic
commitment payment
certificate and a second electronic commitment payment certificate according
to a request for
issuing a first electronic commitment payment certificate applied by a First
Participant, and a
request for issuing a second electronic commitment payment certificate applied
by a Second
Participant respectively, when the First Participant and the Second
Participant respectively
receive a borrowing request delivered by a Third Participant and the First
Participant delivers a
request for issuing the first electronic commitment payment certificate and
the Second
Participant delivers the request for issuing the first electronic commitment
payment certificate.
certificate. the First Participant and Second Participant apply to the first
Funds-Management
server for issuing the corresponding first electronic commitment payment
certificate and second
electronic commitment payment certificate, respectively.
[52]Wherein the value sum of the first electronic commitment payment
certificate and the
second electronic commitment payment certificate is less than the value of the
borrowing
requested by the Third Participant, and the first electronic commitment
certificate is issued by the
first Funds-Management server based on the deposit balance or credit limit in
the First
Participant's account as the guarantee, the second electronic commitment
certificate is issued by
the first funds-Management server based on the deposit balance or credit limit
in the Second
Participant's account as the guarantee.[53] In the method of the present
invention, the First
Participant and Second Participant are co-lenders, and Third Participant is a
borrower.
[54] Step S21, the first Funds-Management server, based on the issued first
electronic
commitment payment certificate and the second electronic commitment payment
certificate,
respectively freezes the first funds on the first participant's account, and
second funds on the
second participant's account. Wherein the value of the first funds is equal to
the value of the first
14
Date Recue/Date Received 2022-09-28
electronic commitment payment certificate of the First Participant, and the
value of the second
funds is equal to the value of second electronic commitment payment
certificate of the Second
Participant.
[55]The frozen funds include the first funds frozen on the first participant's
account and the
second funds frozen on the second participant's account. The first frozen
funds and/or the second
frozen funds may be deposit balances of the First Participant and/or Second
Participant on the
first Funds-Management server respectively, or may be credit limits of the
First Participant and
/or Second Participant respectively, or may be pledged real estate of the
first participant and/or
second participant. Wherein the credit limit is given by the first Funds-
Management server.
Wherein the real estate is pledged through the first Funds-Management server.
[56] Step S22, the first Funds-Management server delivers the first electronic
commitment
payment certificate and the second electronic commitment payment certificate
to the second
Funds-Management server, to enable the second Funds-Management server to
release the funds
to the Third Participant. Wherein the value of the released funds is equal to
the value sum of the
first electronic commitment payment certificate and second electronic
commitment payment
certificate. A repayment time is set up by the second Funds-Management server
for the first
funds, the second funds and third funds to make sure the borrower repays the
first funds, second
funds and the third funds within the repayment time.
[57] In the present example, the first Funds-Management server is a first
Funds-Management
bank server operated on a banking system, and the second Funds-Management
server is a second
Funds-Management bank server operated on a banking system.
[58]In other examples, the first Funds-Management server and the second Funds-
Management
server are the same Funds-Management bank server operated on a banking system.
[59]Further, the second Funds-Management server releases third funds to the
Third Participant
according to a remaining borrowing request initiated by the third participant.
Wherein the value
sum of the first funds, the second funds and the third funds are equal to the
value of the
borrowing request. and a repayment time is set up by the second Funds-
Management server for
the first funds, the second funds and third funds to make sure the borrower
repays the first funds,
second funds and the third funds within the repayment time [60] Referring to
Figure 4, it is a
schematic flowchart of a borrowing method in a fourth example of the present
invention. The
Date Recue/Date Received 2022-09-28
method flow shown in this example includes:
[61] Step S30, the second Funds-Management server receives a first electronic
commitment
payment certificate and a second electronic commitment payment certificate
delivered by the
first Funds-Management server, wherein the first electronic commitment payment
certificate and
the second electronic commitment payment certificate are issued by the first
Funds-Management
server according to a request for issuing a first electronic commitment
payment certificate
applied by a First Participant and a request for issuing a second electronic
commitment payment
certificate applied by a Second Participant respectively.
[62]Wherein the request for issuing a first electronic commitment payment
certificate is
delivered by a First Participant and the request for issuing the second
electronic commitment
payment certificate is delivered by a Second Participant when the First
Participant and the
Second Participant respectively receives a borrowing request delivered by a
Third Participant.
Wherein the value sum of the first electronic commitment payment certificate
and the second
electronic commitment payment certificate is less than the value of the
borrowing requested by
the Third Participant, and the first electronic commitment certificate is
issued by the first Funds-
Management server based on the deposit balance or credit limit in the First
Participant's account
as the guarantee funds , the second electronic commitment certificate is
issued by the first funds-
Management server based on the deposit balance or credit limit in the Second
Participant's
account as the guarantee funds as the guarantee funds.
[63] Step S31, the second Funds-Management server releases the funds to the
Third Participant.
Wherein the value of the released funds is equal to the value sum of the first
electronic
commitment payment certificate and second electronic commitment payment
certificate.
[64] Step S32, the second Funds-Management server releases third funds to the
Third Participant
according to a remaining borrowing request initiated by the third participant.
Wherein the value
sum of the first funds, the second funds and the third funds are equal to the
value of the
borrowing request. And the repayment time is set up by the second Funds-
Management server
for the first funds, the second funds and third funds to make sure the
borrower repays the first
funds, second funds and the third funds within the repayment time.
[65]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
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Date Recue/Date Received 2022-09-28
includes:
[66] Step S40, a first data initiator and a second data initiator, based on a
data request for
processing a subtotal data value initiated by a data requester, respectively
initiates a request for
processing a data value on a first data unit and a request for processing a
second data value on a
second data unit. A First Server issues a first data certificate and a second
data certificate.
Wherein the first data certificate corresponds to the request for processing
the first data value on
the first data unit, and the second data certificate corresponds to the
request for processing the
second data value on the second data unit. Wherein the sum of the numeric data
on the first data
certificate and the numeric data on second data certificate is less than a
numeric data of the
subtotal in the data request by the data requestor. Wherein the numeric data
on the first data
certificate corresponds to an amount of funds provided by a first co-lender
for the borrowing
request Wherein the numeric data on the second data certificate corresponds to
an amount of
funds provided by a second co-lender for the borrowing request. Wherein the
numeric data of the
subtotal in the data request corresponds an amount of funds for the borrowing
request. Where the
first data certificate is a quantitative tool that pre-establishing a data
association relationship
between the first data initiator and the First Server, and the second data
certificate is a
quantitative tool that pre-establishing a data association relationship
between the second data
initiator and the First Server.
[67] Step S41, the First Server, based on the issued first data certificate,
locks a first numeric data
on the first initiator's data unit, wherein the first numeric data is equal to
the numeric data on the
first data certificate, and the First Server, based on the issued second data
certificate, locks a
second numeric data on the second initiator's data unit, wherein the second
numeric data is equal
to the numeric data on the second data certificate.
[68] Specifically, the data requester initiates the data request of the
subtotal data through a First
Server platform.
[69] Step S42, the Second Server receives the first data certificate and
second data certificate
issued by the First Server, and processes a subtotal data value on the data
requestor's data unit.
The subtotal data value is equal to the sum of the first numeric data on the
first data certificate
and the second numeric data on the second data certificate.
[70] Specifically, the first data initiator and the second data initiator
respectively issue the first
data certificate and the second data certificate to the First Server through a
Second Server
17
Date Recue/Date Received 2022-09-28
platform.
[71]Wherein, the First Server platform and the Second Server platform can be
the same server
platform, or different server platforms.
[72]Further, the First Server platform and the Second Server platform can be
an e-commerce
platform, and the data requestor may also visit the e-commerce platform
through an application
to complete the initiation of the data request, the application is installed
on an intelligent
terminal.
[73] Step S43, the Second Server processes a third data value on the data
requestor's data unit
when receiving an additional data request initiated by the data requestor.
Wherein the additional
data request is used for processing the third data on the data requestor's
data unit. The third data
value is equal to a numeric data in the additional data request. Wherein the
sum of the subtotal
data value and the third data value processed by the Second Server is equal to
the numeric data in
the data request. .
[74]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:
[75] Step S50, a First Server respectively issues a first data certificate and
a second data
certificate when receiving a request for processing a data value on a first
data unit and a request
for processing a second data value on a second data unit. Wherein the request
for processing the
data value on the first data unit is initiated by a first data initiator based
on a data request for
processing a subtotal data value initiated by a data requester. Wherein the
request for processing
the second data value on the second data unit is initiated by the second data
initiator based on the
data request for processing the subtotal data value initiated by the data
requester. Wherein the
first data certificate corresponds to the request for processing the first
data value on the first data
unit, and the second data certificate corresponds to the request for
processing the second data
value on the second data unit. Wherein the sum of the numeric data on the
first data certificate
and the numeric data on second data certificate is less than a numeric data of
the subtotal data
value in the data request by the data requestor. Wherein the numeric data on
the first data
certificate corresponds to an amount of funds provided by a first co-lender
for the borrowing
request. Wherein the numeric data on the second data certificate corresponds
to an amount of
funds provided by a second co-lender for the borrowing request. Wherein the
numeric data of the
subtotal data value in the data request corresponds an amount of funds for the
borrowing request.
18
Date Recue/Date Received 2022-09-28
Where the first data certificate is a quantitative tool that pre-establishing
a data association
relationship between the first data initiator and the First Server, and the
second data certificate is
a quantitative tool that pre-establishing a data association relationship
between the second data
initiator and the First Server.
[76] Specifically, the data requester initiates the data request of the
subtotal data through a First
Server platform. The first data initiator and the second data initiator
respectively issue the first
data certificate and the second data certificate to the First Server through a
Second Server
platform.
[77]Wherein, the First Server platform and the Second Server platform can be
the same server
platform, or different server platforms.
[78]Further, the First Server platform and the Second Server platform can be
an e-commerce
platform, and the data requestor may also visit the e-commerce platform
through an application
to complete the initiation of the data request, the application is installed
on an intelligent
terminal. The first data initiator applies for issuing the first data
certificate to respond the data
request through the e-commerce platform, the second data initiator applies for
issuing the second
data certificate to respond the data request through the e-commerce platform.
[79] Step S51, the First Server, based on the issued first data certificate,
locks a first numeric data
on the first initiator's data unit, wherein the first numeric data is equal to
the numeric data on the
first data certificate, and the First Server, based on the issued second data
certificate, locks a
second numeric data on the second initiator's data unit, wherein the second
numeric data is equal
to the numeric data on the second data certificate.
[80] Step S52, the First Server delivers the first data certificate and second
data certificate to the
Second Server, to enable the Second Server to process the subtotal data value
on the data
requestor's data unit and set up a scheduled time to make sure the subtotal
data value on the
Second Server's data unit processed by the data requestor within the scheduled
time. The
subtotal data value is equal to the sum of the first numeric data on the first
data certificate and
the second numeric data on the second data certificate. .
[81]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:
[82] Step S60, the Second Server receives a first data certificate and a
second data certificate. The
first data certificate is issued by a First Server when receiving a request
for processing a data
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Date Recue/Date Received 2022-09-28
value on a first data unit. The second data certificate is issued by the First
Server when receiving
a request for processing a second data value on a second data unit. Wherein
the request for
processing the data value on the first data unit is initiated by a first data
initiator based on a data
request for processing a subtotal data value initiated by a data requester.
Wherein the request for
processing the second data value on the second data unit is initiated by the
second data initiator
based on the data request for processing the subtotal data value initiated by
the data requester.
Wherein the first data certificate corresponds to the request for processing
the first data value on
the first data unit, and the second data certificate corresponds to the
request for processing the
second data value on the second data unit. Wherein the sum of the numeric data
on the first data
certificate and the numeric data on second data certificate is less than a
numeric data of the
subtotal data value in the data request by the data requestor. Wherein the
numeric data on the
first data certificate corresponds to an amount of funds provided by a first
co-lender for the
borrowing request. Wherein the numeric data on the second data certificate
corresponds to an
amount of funds provided by a second co-lender for the borrowing request.
Wherein the numeric
data of the subtotal data value in the data request corresponds an amount of
funds for the
borrowing request. Where the first data certificate is a quantitative tool
that pre-establishing a
data association relationship between the first data initiator and the First
Server, and the second
data certificate is a quantitative tool that pre-establishing a data
association relationship between
the second data initiator and the First Server.
[83] Step S61, the Second Server processes a subtotal data value on the data
requestor's data unit.
The subtotal data value is equal to the sum of the first numeric data on the
first data certificate
and the second numeric data on the second data certificate.
[84] Step S62, the Second Server processes a third data value on the data
requestor's data unit
when receiving an additional data request initiated by the data requestor.
Wherein the additional
data request is used for processing the third data on the data requestor's
data unit. The third data
value is equal to a numeric data in the additional data request. .
[85]Wherein, the sum of the subtotal data value and the third data value
processed by the Second
Server is equal to the numeric data in the data request. A scheduled time is
set up by the Second
Server to make sure the subtotal data value on the Second Server's data unit
processed by the
data requestor within the scheduled time.
[86]Please refer to Figure 8, it is a schematic diagram of a data interaction
processing system
Date Recue/Date Received 2022-09-28
according to an example of the present invention. The System 70 shown in this
example includes
a data requesting terminal 71, a first data initiator terminal 72, a second
data initiator terminal 73,
a First Server 74, and a Second Server 75.
[87]This data requesting terminal 71 is configured to initiate a data request
for processing a
subtotal data value on a data requestor's data unit.
[88]Wherein, the data request for processing the subtotal data value is
initiated by the data
requesting terminal 71 through a First Server platform.
[89]The first data initiator terminal 72 is configured to apply a request for
processing a data
value on a first data unit based on the data request for processing the
subtotal data value initiated
by the data requesting terminal 71.
[90]The second data initiator terminal 73 is configured to apply to a request
for processing a data
value on a second data unit based on the data request for processing the
subtotal data value
initiated by the data requesting terminal 71.
[91] Specifically, the first data initiator terminal 72 and the second data
initiator terminal 73
respectively issue the first data certificate and the second data certificate
to the First Server
through a Second Server platform.
[92]Wherein, the First Server platform and the Second Server platform can be
the same server
platform, or different server platforms.
[93]Further, the First Server platform and the Second Server platform can be
an e-commerce
platform, and the data requesting terminal 71 may also visit the e-commerce
platform through an
application to complete the initiation of the data request, the application is
installed on an
intelligent terminal. The first data initiator terminal 72 applies for issuing
the first data certificate
to respond the data request through the e-commerce platform, the second data
initiator terminal
73 applies for issuing the second data certificate to respond the data request
through the e-
commerce platform.
[94]The First Server 74 is configured to, based on the issued first data
certificate, lock a first
numeric data on the first initiator's data unit, wherein the first numeric
data is equal to the
numeric data on the first data certificate, and the First Server 74 is further
configured to, based
on the issued second data certificate, lock a second numeric data on the
second initiator's data
unit, wherein the second numeric data is equal to the numeric data on the
second data certificate.
Wherein the sum of the numeric data on the first data certificate and the
numeric data on second
21
Date Recue/Date Received 2022-09-28
data certificate is less than a numeric data of the subtotal data value in the
data request by the
data requestor. Wherein the numeric data on the first data certificate
corresponds to an amount of
funds provided by a first co-lender for the borrowing request. Wherein the
numeric data on the
second data certificate corresponds to an amount of funds provided by a second
co-lender for the
borrowing request. Wherein the numeric data of the subtotal data value in the
data request
corresponds an amount of funds for the borrowing request. Where the first data
certificate is a
quantitative tool that pre-establishing a data association relationship
between the first data
initiator and the First Server, and the second data certificate is a
quantitative tool that pre-
establishing a data association relationship between the second data initiator
and the First Server.
[95]The Second Server 75 is configured to receive the first data certificate
and second data
certificate issued by the First Server and process a subtotal data value on
the data requestor's
data unit. The subtotal data value is equal to the sum of the first numeric
data on the first data
certificate and the second numeric data on the second data certificate. The
Second Server 75 is
further configured to process a third data value on the data requestor's data
unit when receiving
an additional data request initiated by the data requestor. Wherein the
additional data request is
used for processing the third data on the data requestor's data unit. The
third data value is equal
to a numeric data in the additional data request. Wherein the sum of the
subtotal data value and
the third data value processed by the Second Server is equal to the numeric
data in the data
request. .
[96]In this example, the first server 74 is a first Funds-Management server,
which can be in a
banking system. The Second Server 75 is a second Funds-Management server,
which can be in a
banking system.
[97] In other examples, the First Server 74 and the Second Server 75 are the
same Funds-
Management server, which can be in a banking system.
[98]Referring to Figure 9, shown therein is a data interaction processing
device according to an
embodiment. The data interaction processing device may be the First Server 74
of the present
invention. The First Server 74 includes a data certificate initiating module
81, a processing
module 82 and an issuing module 83. In the present example, the First Server
74 operates in a
banking system.
[99]The data certificate initiating module 81 is configured to respectively
issue a first data
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Date Recue/Date Received 2022-09-28
certificate and a second data certificate when receiving a request for
processing a data value on a
first data unit and a request for processing a second data value on a second
data unit. Wherein the
request for processing the data value on the first data unit is initiated by a
first data initiator
based on a data request for processing a subtotal data value initiated by a
data requester. Wherein
the request for processing the second data value on the second data unit is
initiated by the second
data initiator based on the data request for processing the subtotal data
value initiated by the data
requester. Wherein the first data certificate corresponds to the request for
processing the first data
value on the first data unit, and the second data certificate corresponds to
the request for
processing the second data value on the second data unit. Wherein the sum of
the numeric data
on the first data certificate and the numeric data on second data certificate
is less than a numeric
data of the subtotal data value in the data request by the data requestor.
Wherein the numeric data
on the first data certificate corresponds to an amount of funds provided by a
first co-lender for
the borrowing request. Wherein the numeric data on the second data certificate
corresponds to an
amount of funds provided by a second co-lender for the borrowing request.
Wherein the numeric
data of the subtotal data value in the data request corresponds an amount of
funds for the
borrowing request. Where the first data certificate is a quantitative tool
that pre-establishing a
data association relationship between the first data initiator and the First
Server, and the second
data certificate is a quantitative tool that pre-establishing a data
association relationship between
the second data initiator and the First Server.
[100] Specifically, the data certificate initiating module 81 is configured
to receive the data
request of the first subtotal data through the First Server platform.
[101] The processing module 82 is configured to, based on the issued first
data certificate,
lock a first numeric data on the first initiator's data unit, wherein the
first numeric data is equal to
the numeric data on the first data certificate, and the processing module 82
is further configured
to, based on the issued second data certificate, lock a second numeric data on
the second
initiator's data unit, wherein the second numeric data is equal to the numeric
data on the second
data certificate. .
[102] The issuing module 83 is configured to deliver the first data
certificate and second data
certificate to the Second Server, to enable the Second Server to process the
subtotal data value on
the data requestor's data unit and set up a scheduled time to make sure the
subtotal data value on
the Second Server's data unit processed by the data requestor within the
scheduled time. The
23
Date Recue/Date Received 2022-09-28
subtotal data value is equal to the sum of the first numeric data on the first
data certificate and
the second numeric data on the second data certificate.
[103] Further, the Second Server processes a third data value on the data
requestor's data unit
when receiving an additional data request initiated by the data requestor.
Wherein the additional
data request is used for processing the third data on the data requestor's
data unit. The third data
value is equal to a numeric data in the additional data request. Wherein the
sum of the subtotal
data value and the third data value processed by the Second Server is equal to
the numeric data in
the data request. A scheduled time is set up by the Second Server to make sure
the subtotal data
value on the Second Server's data unit processed by the data requestor within
the scheduled time.
[104] Referring to Figure 10, shown therein is a data interaction processing
apparatus
according to an embodiment. The data interaction processing apparatus may be
the Second
Server 75. The Second Server 75 shown in this example includes a receiving
module 91 and an
issuing module 92. In the present example, the Second Server 75 operates in a
banking system.
[105] The receiving module 91 is configured to receive the first data
certificate and second
data certificate. Wherein the first data certificate is issued by a First
Server when receiving a
request for processing a data value on a first data unit. Wherein the second
data certificate is
issued by the First Server when receiving a request for processing a second
data value on a
second data unit. Wherein the request for processing the data value on the
first data unit is
initiated by a first data initiator based on a data request for processing a
subtotal data value
initiated by a data requester. Wherein the request for processing the second
data value on the
second data unit is initiated by the second data initiator based on the data
request for processing
the subtotal data value initiated by the data requester. Wherein the first
data certificate
corresponds to the request for processing the first data value on the first
data unit, and the second
data certificate corresponds to the request for processing the second data
value on the second
data unit. Wherein the sum of the numeric data on the first data certificate
and the numeric data
on second data certificate is less than a numeric data of the subtotal data
value in the data request
by the data requestor. Wherein the numeric data on the first data certificate
corresponds to an
amount of funds provided by a first co-lender for the borrowing request.
Wherein the numeric
data on the second data certificate corresponds to an amount of funds provided
by a second co-
lender for the borrowing request. Wherein the numeric data of the subtotal
data value in the data
request corresponds an amount of funds for the borrowing request. Where the
first data
24
Date Recue/Date Received 2022-09-28
certificate is a quantitative tool that pre-establishing a data association
relationship between the
first data initiator and the First Server, and the second data certificate is
a quantitative tool that
pre-establishing a data association relationship between the second data
initiator and the First
Server.,
[106] The issuing module 92 is configured to process a subtotal data value on
the data
requestor's data unit. The subtotal data value is equal to the sum of the
first numeric data on the
first data certificate and the second numeric data on the second data
certificate. And the issuing
module 92 is further configured to process a third data value on the data
requestor's data unit
when receiving an additional data request initiated by the data requestor.
Wherein the additional
data request is used for processing the third data on the data requestor's
data unit. The third data
value is equal to a numeric data in the additional data request.
[107] Wherein, the sum of the subtotal data value and the third data value
processed by the
Second Server is equal to the numeric data in the data request. A scheduled
time is set up by the
Second Server to make sure the subtotal data value on the Second Server's data
unit processed
by the data requestor within the scheduled time.
[108] The present invention provides a lending method, a data interaction
processing method,
device and system. By pre-establishing a data association relationship between
first, second data
initiator and a first server through data certificates. When the first and
second data initiator
receives the data request of first data initiated by a data requester,
respectively issue the first data
certificate and second data certificate to service party, the total value of
the first data certificate
and second data certificate is less than the first data value, the first
server, based on the issued
first data certificate and the second data certificate, respectively lock a
first numeric data on the
first initiator's data unit and a second numeric data on the second
initiator's data unit, to enable
the second server to process the subtotal data value on the data requestor's
data unit and set up a
scheduled time to make sure the subtotal data value on the second server's
data unit processed by
the data requestor within the scheduled time. . Due to participation of the
first server and the
second server in the process of data interaction, the data interaction
relationships are established
between the data initiator and the servers, and between the servers and the
data requester in order
to monitor the processing data and data feedback between the data initiator
and the data
requestor. Advantageously, processing data (or data association relationships)
can be restored
from other two parties when any one party fails to call data in the technical
problem. Therefore,
Date Recue/Date Received 2022-09-28
the present invention enriches the data interaction relationships to improve
data security and data
interaction stability.
[109] 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.
26
Date Recue/Date Received 2022-09-28
