Note : Les descriptions sont présentées dans la langue officielle dans laquelle elles ont été soumises.
A DATA INTERACTION PROCESSING SYSTEM AND METHOD FOR IMPROVING DATA
SECURITY AND DATA EXCHANGE STABILITY
[1] [Technical Field]
[2] The present invention relates to the field of credit, and in
particular, to a repayment
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 lending activities between
individuals
and individuals are usually the First Participant and Second Participant reach
an
agreement verbally or in writing form, after the Second Participant provides
funds to the
First Participant, because there is no compulsory repayment constraint, it
brings a great
risk to the Second Participant. Therefore, it needs to consider how to use the
network to
achieve borrowing and reduce risk.
[6] [Summary of the Invention]
[7] The main technical problem of the invention is to provide a repayment
method, a data
interaction processing method, a device and a system, which can reduce the
risk of
Second Participant.
[8] In order to solve the above technical problem, the first technical
solution adopted by the
present invention is: providing a repayment method, including:
[9] When the second Funds-Management server fails to receive the loan
returned by the
First Participant on the first target date, it issues a payment notice to the
First Participant
that the loan to be returned within a Second target date; wherein the loan is
issued by the
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second Funds-Management server to the First Participant based on an electronic
commitment payment certificate from a first Funds-Management server, the
electronic
commitment payment certificate is opened by the first Funds-Management server
according to the application of Second Participant and freezing the funds of
the Second
Participant which amount is not less than the loan;
[10] The First Participant receives the payment notice and returns a loan
to the second
Funds-Management server within the second target date;
[11] The second Funds-Management server receives the loan returned by the
First
Participant; and delivers a notification to the first Funds-Management server
informing
the first Funds-Management server that the First Participant has returned
loan;
[12] The first Funds-Management server receives the notification delivered
by the second
Funds-Management server, and releases the funds which is equal to the loan of
the
Second Participant.
[13] In order to solve the above technical problem, the second technical
solution adopted by
the present invention is providing a repayment method, including:
[14] The first Funds-Management server receives a notification that the
First Participant has
returned the loan and is delivered by the second Funds-Management server;
wherein the
loan is issued by the second Funds-Management server to the First Participant
based on
an electronic commitment payment certificate from a first Funds-Management
server,
the electronic commitment payment certificate is opened by the first
Funds-Management server according to the application of Second Participant and
freezing the funds of the Second Participant which amount is not less than the
loan;
[15] The first Funds-Management server releases the funds which is equal to
the loan of the
Second Participant.
[16] In order to solve the above technical problem, the third technical
solution adopted by the
present invention is providing a repayment method, including:
[17] When the second Funds-Management server fails to receive the loan
returned by the
First Participant on the first target date, it issues a payment notification
to the First
Participant that the loan to be returned on Second target date; and maintain
the frozen
status of the funds which the value is equal to the Second Participant.
Wherein the loan
is issued by the second Funds-Management server to the First Participant based
on an
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electronic commitment payment certificate from a first Funds-Management
server, the
electronic commitment payment certificate is opened by the first Funds-
Management
server according to the application of Second Participant and freezing the
funds of the
Second Participant which amount is not less than the loan;
[18] Receiving the loan returned by the First Participant on the first
target date; and
delivering a notification to the first Funds-Management server informing the
first
Funds-Management server that the First Participant has returned the loan so
that the first
Funds-Management server release the funds of the Second Participant that are
equal to
the loan.
[19] In order to solve the above technical problem, a fourth technical
solution adopted by the
present invention is to provide a data interaction processing method, where
the method
including:
[20] When the Second Service Party detects that the data requested by the
data requester
does not add the first data value to the data unit of the Second Service
Party, and
delivers a notification to the data requester to add a first data value to the
data unit of the
Second Service Party on the second target date; wherein the first data value
is delivered
by the second service to the data requester according to the data certificate
from the
First Service Party, the data certificate is the application delivered by the
First Service
Party based on the data requester, open after locking the data in the data
unit of the data
initiator whose value is not less than the first data value;
[21] The data requester receives the notification and adds a first data
value to the data unit of
the Second Service Party on the second target date;
[22] The Second Service Party delivers a notification to the First Service
Party informing
that the data requester has added a first data value;
[23] The First Service Party receives the notification delivered by the
Second Service Party
and releases the data in the data unit of the data initiator whose value is
equal to the first
data value.
[24] In order to solve the above technical problem, a fifth technical
solution adopted by the
present invention is to provide a data interaction processing method, where
the method
including:
[25] The data unit delivered by the First Service Party to the Second
Service Party has added
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a first data value notification to the data unit of the Second Service Party;
wherein the
first data value is delivered by the second service to the data requester
according to the
data certificate from the First Service Party, the data certificate is the
application
delivered by the service party based on the data requester, open after locking
the data in
the data unit of the data initiator whose value is not less than the first
data value;
[26] Releases the data in the data unit of the data initiator whose value
is equal to the first
data value.
[27] In order to solve the above technical problem, a sixth technical
solution adopted by the
present invention is to provide a data interaction processing method, where
the method
including:
[28] When the Second Service Party detects that the data requested by the
data requester
does not add the first data value on the first target date to the data unit of
the Second
Service Party, and delivers a notification to the data requester to add a
first data value to
the data unit of the Second Service Party on the second target date; wherein
the first data
value is delivered by the second service to the data requester according to
the data
certificate from the First Service Party, the data certificate is the
application delivered by
the First Service Party based on the data requester, open after locking the
data in the
data unit of the data initiator whose value is not less than the first data
value;
[29] When detecting that the data requester adds the first data value to
the data unit of the
Second Service Party on the second target date, the Second Service Party
delivers a
notification to the First Service Party informing that the first data value
has been added
to the First Service Party, making the First Service Party to release the data
in the data
unit of the data initiator whose data value is equal to the first data value.
[30] In order to solve the above technical problem, a seventh technical
solution adopted by
the present invention is to provide a data interaction processing system,
including: a data
requesting terminal, a data initiating terminal, a First Server, and a Second
Server;
[31] When the Second Server detects that the data requested by the data
requesting terminal
does not add the first data value on the First target date to the data unit of
the second
serve, and delivers a notification to the data requesting terminal to add a
first data value
to the data unit of the Second Server on the second target date; wherein the
loan is
delivered by the Second Server to the data requester according to the data
certificate
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from the first server, the data certificate is the application delivered by
the first server
based on the data requesting terminal, open after locking the data in the data
unit of the
data initiator whose value is not less than the funds of the loan amount;
[32] The data requesting terminal receives the notification and adds a
first data value to the
data unit of the Second Server on the Second target date;
[33] The Second Server delivers a notification to the first server
informing that the data
requesting terminal has added a first data value;
[34] The First Server receives the notification delivered by the Second
Server and releases
the data in the data unit of the data initiator whose value is equal to the
first data value.
[35] In order to solve the above technical problem, an eighth technical
solution adopted by
the present invention is: it is provides a server which includes a receiving
module and an
unlocking module,
[36] The data unit delivered by the receiving module to the Second Server
has added a first
data value notification to the data unit of the second service terminal;
wherein the first
data value is delivered by the Second Server to the data requesting terminal
according to
the data certificate from the first server, the data certificate is the
application delivered
by the first server based on the data requesting terminal, open after locking
the data in
the data unit of the data initiator terminal whose value is not less than the
first data
value;
[37] The unlocking module is used to release the data in the data unit of
the data initiator
whose value is equal to the first data value.
[38] In order to solve the above technical problem, a ninth technical
solution adopted by the
present invention is: it is provides a server which includes a detecting
module and a
delivery module,
[39] The delivery module is used to detect that the data requested by the
data requesting
terminal does not add the first data value on the First target date to the
data unit of the
Second Server, and delivers a notification to the data requester to add a
first data value
to the data unit of the Second Server on the Second target date; wherein the
first data
value is delivered by the Second Server to the data requesting terminal
according to the
data certificate from the First Server, the data certificate is the
application delivered by
the First Server based on the data requesting terminal, opens after locking
the data in the
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data unit of the data initiator whose value is not less than the first data
value;
[40] The delivery module is used to when the detecting module detect that
the data
requesting terminal adds the first data value to the data unit of the Second
Server before
the second target date, the Second Server delivers a notification to the First
Server
informing that the data requesting terminal has added the first data value
added to the
First Server, making the First Server to release the data in the data unit of
the data
initiator terminal whose data value is equal to the first data value.
[41] The beneficial effects of the present invention is to distinguish from
the existing
technology.
[42] When the second Funds-Management server does not receive the loan
returned by the
First Participant on the first target date, it issues a payment notice to the
First Participant
that the loan needs to be returned on the second target date, the First
Participant receives
the payment notification and returns a loan to the second Funds-Management
server on
the second target date; and the second Funds-Management server receives the
loan
returned by the First Participant and delivering a notification to the first
Funds-Management server that the First Participant has returned the loan to
the first
Funds-Management server; and the first Funds-Management server receives the
notification delivered by the second Funds-Management server and releases the
funds
opened by the Second Participant whose value is equal to the electronic
commitment
payment certificate. By involving the first Funds-Management server and the
second
Funds-Management server into the loans of the First Participant and the Second
Participant, it can effectively reduce the risk of loans and ensure the
circulation of the
funds flow stably.
[43] [Brief Description]
[44] Figure 1 is a schematic flow chart of an example of a repayment method
according to
the present invention;
[45] Figure 2 is a schematic flow chart of another example of the repayment
method
according to the present invention;
[46] Figure 3 is a schematic flow chart of the third example of the
repayment method
according to the present invention;
[47] Figure 4 is a schematic flow chart of a data interaction processing
method in example
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one of the present invention;
[48] Figure 5 is a schematic flow chart of a data interaction processing
method in a another
example of the present invention;
[49] Figure 6 is a flow chart of a data interaction processing in a third
example of the present
invention;
[50] Figure 7 is a schematic structural diagram of a data interaction
processing system in an
example of the present invention;
[51] Figure 8 is a schematic structural diagram of an example of First
Server according to the
present invention;
[52] Figure 9 is a schematic structural diagram of another example of a
server according to
the present invention.
[53] [Description of the Preferred Examples]
[54] Please referring to Figure 1, it is a schematic flowchart of an
example of a repayment
method according to the present invention. The repayment method of this
example
includes the following steps:
[55] 101: When the second Funds-Management server does not receive the loan
returned by
the First Participant on the first target date, it issues a payment
notification to the First
Participant that the loan needs to be returned on the second target date.
[56] Wherein the loan is issued by the second Funds-Management server to
the First
Participant based on an electronic commitment payment certificate from a first
Funds-Management server, the electronic commitment payment certificate is
opened by
the first Funds-Management server according to the application of Second
Participant
and freezing the funds of the Second Participant not less than the loan
amount;
[57] The First Participant makes a request for the loan to the Second
Participant, the Second
Service Party applies to the Funds-Management server for opening the
electronic
commitment payment certificate; wherein the electronic commitment payment
certificate is issued by the Second Participant to the first Funds-Management
server and
opened by the first Funds-Management server as the guarantee of the account
funds or
credit line.
[58] The first Funds-Management server, based on the electronic commitment
payment
certificate issued by the first Funds-Management server, freezes part of the
funds of the
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Second Participant, and delivers the electronic commitment payment certificate
to the
second Funds-Management server, and the second Funds-Management server
delivers
the loan to the First Participant and issuing the loan and notify the First
Participant to
return the loan on the target date at the same time
[59] Wherein, when determining that the funds of account or credit line of
the Second
Participant in the financial system of the Second Participant is not less than
the loan
amount of the First Participant, the Funds-Management server issues the
electronic
commitment payment certificate which the value is equal to the loan to the
Second
Participant.
[60] Wherein, the first Funds-Management server and the second Funds-
Management server
are banks or other financial institutions, and they can be the same
institution or be
different institutions respectively. When the first Funds-Management server
and the
second Funds-Management server is a different institutions, the loan and
lending
process can be realized by the way in this example.
[61] For example, the First Participant delivers a loan request for
borrowing 100,000 to the
Second Participant, the Second Participant requests to the first Funds-
Management
server after receiving the borrowing request, and the first Funds-Management
server
issues 100,000 electronic commitment payment certificate, the first
Funds-Management server freezes part of the funds of the Second Participant in
this
Funds-Management server, such as 120,000, of which the value of the frozen
funds is
not less than the value of electronic commitment payment certificate. Then,
the first
Funds-Management server delivers the electronic commitment payment certificate
to
the second Funds-Management server. After receiving the electronic commitment
payment certificate, the second Funds-Management server issues a loan of
100,000 to
the First Participant and the First Participant repay the loan within 6
months.
[62] If the First Participant fails to return the loan to the second Funds-
Management server
on the first target date, if the First Participant fails to return 100,000 of
the loan within
6 months, the second Funds-Management server delivers a payment notification
to the
First Participant requiring the return of the loan on the second target date.
[63] It should be noted that if the First Participant fails to return the
loan to the second
Funds-Management server on the first target date, the first Funds-Management
server
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does not receive the second Funds-Management server although the first target
date has
arrived, the Funds-Management server did not receive the notification from the
second
Funds-Management server that the First Participant had return the loan and the
first
Funds-Management server still maintains the frozen funds of Second
Participant's
frozen status not less than the loan amount.
[64] Since the First Participant fails to return the loan to the second
Funds-Management
server on the first target date, it has violated the stipulation of the loan,
the second
Funds-Management server imposes deferred fine on the First Participant
wherein, the
deferred penalty is an increase in interest on loans extended during the
deferral of delay
fee or/and deferred repayment.
[65] 102: The First Participant receives the payment notification and
returns a loan to the
second Funds-Management server on the second target date.
[66] In addition, since this loan is equivalent to the loan directly issued
by the second
Funds-Management server to the First Participant, the First Participant needs
to pay the
second Funds-Management server the loan interest payable during the loan
period.
[67] 103: The second Funds-Management server receives the loan returned by
the First
Participant; and delivers a notification to the first Funds-Management server
to inform
the first Funds-Management server that the First Participant had returned the
loan.
[68] The second Funds-Management server receives the loan, loan interest
and deferred
penalty returned by the First Participant, and delivers a notification to the
first
Funds-Management server that the First Participant of the first Funds-
Management
server had returned the loan.
[69] For the borrower, it borrows from the Second Participant instead of
borrowing from the
Funds-Management server or 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 Second Participant to complete
the whole
borrowing process and also further reduces the loan risk of the Second
Participant. And
because the bank's strength has made it easier to borrow money, the First
Participant can
easily borrow money.
[70] For the banks, the borrowed funds of 100000 borrowed by the Second
Participant
were frozen 100,000 as a guarantee of storage, the risk is not borne by the
bank only,
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and because of its solid strength and counter-force, and it can guarantee the
smooth
completion of the loan process to some extent. After the successful
completion, it can
increase the potential customers, obtain more customer information, and can
also gain
additional benefits during the lending process.
[71] 104: The first Funds-Management server receives the notification
delivered by the
second Funds-Management server, and releases the funds equal to the loan of
the
Second Participant.
[72] After receiving the notification delivered by the second Funds-
Management server, the
first Funds-Management server confirms that the First Participant has returned
the loan
on schedule, and releases the funds of the Second Participant that are equal
to the loan.
[73] In addition, although part of the funds of the Second Participant is
frozen during the
loan of the First Participant, it is still stored in the financial system of
the first
Funds-Management server, that is, the deposit status, and the first Funds-
Management
server gives the Second Participant the benefit of the Second Participant by
issuing the
frozen funds during the frozen period, which increases the benefit of the
Second
Participant.
[74] In this loan, for the Second Participant, the deposit of 100,000 in
the bank are not
borrowed to the First Participant by the bank, but simply frozen by the bank.
The
100,000 deposits are still in the account of the Second Participant and
belong to the
Second Participant. 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, the
deposit
interest in the present example can be current interest or regular interest.
[75] In another example, if the first Funds-Management server and the
second
Funds-Management server are the same financial institution, the financial
institution
freezes part of the funds of the Second Participant after the Second Service
Party
delivers the application to the financial institution and issues the loan to
the First
Participant. The First Participant returns the loan directly to the financial
institution
before the on the Second target date. After receiving the loan returned by the
First
Participant, the financial institution releases the funds of the Second
Participant equal to
the loan.
[76] Different from the existing technology, when the second Funds-
Management server in
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the present example does not receive the loan returned by the First
Participant on the
First target date, the second Funds-Management server delivers a payment
notification
to return the loan to the second Funds-Management server on the Second target
date;
and the First Participant receives the notification of payment and return the
loan to the
second Funds-Management server on the Second target date; the second
Funds-Management server receives the loan retuned by First Participant and
delivers the
notification that the First Participant has returned the loan to the first
Funds-Management server; the first Funds-Management server receives the
notification
delivered by the second Funds-Management server and releases the funds equal
to the
value of the electronic commitment payment certificate opened by the Second
Participant. By involving the first Funds-Management server and the second
Funds-Management server into the loans of the First Participant and the Second
Participant, it can effectively reduce the risk of loans and ensure the
circulation of the
funds flow stably.
[77] In addition, after the first Funds-Management server releases the
funds of Second
Participant equal to the loan, issuing the loan interest to the Second
Participant during
the frozen period, it can further ensure that the Second Participant's
ownership of funds
and increases the benefit of the Second Participant. In addition, the second
Funds-Management server itself can also obtain the loan interest paid by the
First
Participant to increase revenue.
[78] In another example, if the First Participant returns the loan and loan
interest to the
second Funds-Management server on the First target date, the second
Funds-Management server receives the loan returned by the First Participant
and
delivers a notification to the first Funds-Management server that the First
Participant has
returned the loan to the first Funds-Management server, and the first
Funds-Management server receives the notification delivered by the second
Funds-Management server and release the funds of Second Participant's equal to
the
loan.
[79] In another example, if the First Participant fails to return the loan
to the second
Funds-Management server on the target date, the second Funds-Management server
notifies the failure of the First Participant to repay on time to the first
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Funds-Management server, the first Funds-Management server reminds the Second
Participant whether to agree to pay the First Participant's loan and loan
interest instead
of the First Participant. The Second Participant agrees to pay the First
Participant's loan
and the loan interest instead of the First Participant, and the Second
Participant pays the
loan and the loan interest equal to the funds asset to the second Funds-
Management
server's financial system.
[80] In addition, by introducing the credit function, when the First
Participant is unable to
repay the remaining repayments and the Second Participant helps the First
Participant to
repay the remaining repayments, the second Funds-Management server reduce the
credit
rating of the First Participant, so as to increase the default cost of the
First Participant,
and reduce the risk of default, and further guarantee the interests of the
Second
Participant or creditors. In addition, the first Funds-Management server can
also be
involved in the Second Participant's helping the First Participant to pay
timely and the
repayment records were included into the bank credit system, and enhance the
grade of
Second Participants in the bank credit system.
[81] Please refer to Figure 2, Figure 2 is a schematic flow chart of
another example of a
repayment method according to the present invention. The repayment method of
this
example includes the following steps:
[82] 201: The first Funds-Management server receives the notification
delivered by the
second Funds-Management server that the First Participant has return the loan.
[83] Wherein, the first Funds-Management server and the second Funds-
Management server
are banks or financial institutions.
[84] Wherein the loan is issued by the second Funds-Management server to
the First
Participant based on an electronic commitment payment certificate from the
first
Funds-Management server, the electronic commitment payment certificate is
opened by
the first Funds-Management server according to the application of the Second
Participant, the Funds-Management server, freezes the funds amount of the
Second
Participant which value is not less than the loan amount.
[85] Wherein, the amount of the electronic commitment payment certificate
is equal to the
amount requested by the First Participant. The electronic commitment payment
certificate is opened by the first Funds-Management server to the Second
Participant
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based on the Second Participant's account funds or credit line in its
financial system as a
guarantee.
[86] The first Funds-Management server, based on the electronic commitment
payment
certificate issued by the first Funds-Management server, freezes part of the
funds of the
Second Participant, and delivers the electronic commitment payment certificate
to the
second Funds-Management server, and the second Funds-Management server
delivers
the loan to the First Participant and issuing the loan and notify the First
Participant to
return the loan on the first target date at the same time In addition, the
First Participant
needs to pay the second Funds-Management server the loan interest payable
during the
loan period.
[87] When the First Participant returns the loan and the interest on the
loan to the second
Funds-Management server within the time limit, the second Funds-Management
server
receives the loan and loan interest returned by the First Participant, and
delivers the loan
to the first Funds-Management server informing the first Funds-Management
server of
the notification that the First Participant has returned the loan, and
correspondingly, the
first Funds-Management server receives the notification.
[88] In addition, since the First Participant returned the loan issued by
the second
Funds-Management server within a predetermined time, it is an act of
integrity. The
second Funds-Management server includes the timely repayment record of the
First
Participant in the bank credit system and enhance the ranking of the First
Participant in
the bank integrity system to facilitate participation of the First Participant
in other
activities of the Funds-Management server.
[89] 202: The first Funds-Management server releases the Second
Participant's funds equal
to the loan.
[90] After receiving the notification delivered by the second Funds-
Management server, the
first Funds-Management server confirms that the First Participant has returned
the loan
on schedule, and releases the funds of the Second Participant that are equal
to the loan.
[91] In addition, although part of the funds of the Second Participant is
frozen during the
loan of the First Participant, it is still stored in the financial system of
the first
Funds-Management server, that is, the deposit status, and the first Funds-
Management
server gives the Second Participant the benefit of the Second Participant by
issuing the
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frozen funds during the frozen period, which increases the benefit of the
Second
Participant.
[92] Differing from the existing technology, after the first Funds-
Management server in the
example receives the notification that the First Participant has returned the
loan and is
delivered by the second Funds-Management server, the first Funds-Management
server
of the present example releases the funds of Second Participant's equal to the
loan. By
interposing the first Funds-Management server and the second Funds-Management
server into the loans of the First Participant and the Second Participant, the
risk of the
loan can be effectively reduced, and the safety of the funds can be
guaranteed.
[93] In addition, after the first Funds-Management server releases the
funds of Second
Participant equal to the loan, issuing the loan interest to the Second
Participant during
the frozen period, it can further ensure that the Second Participant's
ownership of funds
and increases the benefit of the Second Participant.
[94] In addition, the second Funds-Management server itself can also obtain
the loan interest
paid by the First Participant to increase revenue.
[95] Please refer to Figure 3, Figure 3 is a schematic flow chart of third
example of a
repayment method according to the present invention. The method of this
example
includes the following steps:
[96] 301: When the second Funds-Management server does not receive the loan
returned by
the First Participant on the first target date, it issues a payment
notification to the First
Participant that the loan needs to be returned on the second target date.
[97] Wherein the loan is issued by the second Funds-Management server to
the First
Participant based on an electronic commitment payment certificate from the
first
Funds-Management server, the electronic commitment payment certificate is
opened by
the first Funds-Management server according to the application of the Second
Participant, the Funds-Management server, freezes the funds amount of the
Second
Participant which value is not less than the loan amount.
[98] The First Participant makes a request for the loan to the Second
Participant, the Second
Service Party applies to the Funds-Management server for opening the
electronic
commitment payment certificate; wherein the electronic commitment payment
certificate is issued by the Second Participant to the first Funds-Management
server and
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opened by the first Funds-Management server as the guarantee of the account
funds or
credit line.
[99] The first Funds-Management server, based on the electronic commitment
payment
certificate issued by the first Funds-Management server, freezes part of the
funds of the
Second Participant, and delivers the electronic commitment payment certificate
to the
second Funds-Management server, and the second Funds-Management server
delivers
the loan to the First Participant and issuing the loan and notify the First
Participant to
return the loan on the first target date at the same time
[100] Wherein, when determining that the funds of account or credit line of
the Second
Participant in the financial system of the Second Participant is not less than
the loan
amount of the First Participant, the Funds-Management server issues the
electronic
commitment payment certificate which the value is equal to the loan to the
Second
Participant.
[101] Wherein, the first Funds-Management server and the second Funds-
Management server
are banks or financial institutions, and both may be the same institution or
may be
different institutions respectively. When the first Funds-Management server
and the
second Funds-Management server is a different institution, the borrowing and
lending
process can be realized by the way of this example.
[102] When the second Funds-Management server does not receive the loan
returned by the
First Participant on the first target date, it issues a payment notification
to the First
Participant that the loan needs to be returned on the second target date.
[103] It should be noted that if the First Participant fails to return the
loan to the second
Funds-Management server on the first target date, the first Funds-Management
server
does not receive the second Funds-Management server although the first target
date has
arrived, the Funds-Management server did not receive the notification from the
second
Funds-Management server that the First Participant had return the loan and the
first
Funds-Management server still maintains the frozen funds of Second
Participant's
frozen status not less than the loan amount.
[104] Since the First Participant fails to return the loan to the second Funds-
Management
server on the first target date, it has violated the stipulation of the loan,
the second
Funds-Management server imposes deferred fine on the First Participant
wherein, the
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deferred penalty is an increase in interest on loans extended during the
deferral of delay
fee or/and deferred repayment.
[105] In addition, since this loan is equivalent to the loan directly issued
by the second
Funds-Management server to the First Participant, the first Funds-Management
server
also needs to pay the second Funds-Management server the loan interest payable
during
the loan period.
[106] 302: Receive the loan returned by the First Participant on a Second
target date; and
delivers a notification to the first Funds-Management server to notify the
first
Funds-Management server that the First Participant has returned the loan so as
to make
the first Funds-Management server release the funds of the Second Participant
that are
equal to the loan.
[107] If the second Funds-Management server returns a loan to the second
Funds-Management server on a Second target date, the second Funds-Management
server receives the loan, loan interest and deferred penalty returned by the
First
Participant, and delivers a notification to the first Funds-Management server
that the
First Participant of the first Funds-Management server had returned the loan.
[108] After receiving the notification delivered by the second Funds-
Management server, the
first Funds-Management server confirms that the First Participant has returned
the loan
on schedule, and releases the funds of the Second Participant that are equal
to the loan.
[109] In addition, although part of the funds of the Second Participant is
frozen during the
loan of the First Participant, it is still stored in the financial system of
the first
Funds-Management server, that is, the deposit status, and the first Funds-
Management
server gives the Second Participant the benefit of the Second Participant by
issuing the
frozen funds during the frozen period, which increases the benefit of the
Second
Participant.
[110] In another example, if the first Funds-Management server and the second
Funds-Management server are the same financial institution, the financial
institution
freezes part of the funds of the Second Participant after the Second Service
Party
delivers the application to the financial institution and issues the loan to
the First
Participant. The First Participant returns the loan directly to the financial
institution
before the on the Second target date. After receiving the loan returned by the
First
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Participant, the financial institution releases the funds of the Second
Participant equal to
the loan.
[111] Different from the existing technology, when the second Funds-Management
server in
the present example does not receive the loan returned by the First
Participant on the
First target date, the second Funds-Management server delivers a payment
notification
to return the loan to the second Funds-Management server on the Second target
date,
receiving the loan returned by the First Participant on the Second target
date; and
delivers the notification that the First Participant has returned the loan to
the first
Funds-Management server, making the first Funds-Management server release the
Second Participant's funds equal to the loan. By involving the first Funds-
Management
server and the second Funds-Management server into the loans of the First
Participant
and the Second Participant, it can effectively reduce the risk of loans and
ensure the
circulation of the funds flow stably.
[112] Please refer to Figure 4, Figure 4 is a schematic flow chart of third
example of a data
interaction processing method according to the present invention. The data
interaction
processing method in this present example includes:
[113] 401: When the Second Service Party detects that the data requester fails
to add the first
data value to the data unit of the Second Service Party, the service party
delivers to the
data requester an instruction that adding the first data value to the data
unit in the
Second Service Party on the Second target date.
[114] Wherein the first data value is delivered by the Second Service Party to
the data
requester according to a data certificate from a First Service Party, the data
certificate is
opened by the First Service Party according to the application of the data
initiator and
locks the data in the data unit of the data initiator that is not less than
the size of the first
data value.
[115] Specifically, the data requester initiates a data requester of
the first data through the First
Server platform to data initiator. The data certificate is applied by the
first initiator to the
First Service Party, wherein the data certificate is a quantitative tool of a
pre-established
data association relationship between the first data initiator and the First
Service Party.
[116] The First Service Party opens the data certificate and locks the data in
the data unit of
the data originator according to the data certificate whose value is not less
than the first
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data value, and delivers the data certificate to the Second Service Party.
After receiving
the data certificate, the Second Service Party delivers the first data to the
data requester,
and require the data requester to add the first data value to the data unit of
the Second
Service Party before the scheduled date.
[117] Wherein, the data certificate is equal to the first data value which
issued by the data
initiator to the data initiator after the First Service Party determines that
the data value in
the data unit of the data initiator is not less than the first data value, a
data certificate
equal to the first data value that is opened to the data initiator.
[118] When the data requester fails to add the first data value to the data
unit of the Second
Service Party before the First target date, the Second Service Party delivers
a
notification to the data requester that the first data value is added to the
data unit of the
Second Service Party on the Second target date,
[119] If the data requester adds the first data value to the data unit of the
Second Service Party
before a predetermined date, even though the First target date has arrived,
because the
First Service Party did not receive the notification that the data requester
delivered by
the Second Service Party has added a first data value to the data unit of the
Second
Service Party, as a result, the First Service Party maintains the status that
at least some
of the data in the data unit of the data initiator remains locked.
[120] 402: The data requester receives the notification, and adds a first data
value to the data
unit of the Second Service Party on the Second target date.
[121] In addition, since the data requester adds a first data value to the
data unit of the Second
Service Party by a predetermined date, the second service data requester
requests the
data requester to collect the second data value due to the extended period.
[122] In addition, since the first data delivered by the Second Service Party
directly to the data
requester, when the data requester needs to add the first data value to the
data unit of the
Second Service Party, the data requester needs to add the first data value to
the data unit,
at the same time it also need to increase the value of the first equity
relative to the first
data from the data unit.
[123] 403: The Second Service Party delivers a notification to the First
Service Party that the
data requester has added the first data value.
[124] 404: The First Service Party receives the notification delivered by the
Second Service
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Party, and unlocks the data whose size corresponds to the first data value in
the data unit
of the data initiator. After receiving the notification delivered by the
Second Service
Party, the First Service Party unlocks the data in the data unit of the data
initiator whose
value corresponds to the size of the first data value.
[125] In addition, although part of the data units in the data initiator are
locked, the data
initiator still owns them, and the First Service Party issues the data
initiator with added
value of frozen data during the freezing period.
[126] Different from the existing technology, when the Second Service Party of
this example
detects that the data requester fails to add the first data value to the data
unit of the
Second Service Party, the Second Service Party delivers a notification to the
data unit of
the data requester to add a first data value to the data unit of the Second
Service Party on
the Second target date, the data requester receives the notification, and adds
a first data
unit of the Second Service Party on the Second target date. The Second Service
Party
delivers a notification to the First Service Party to inform the First Service
Party that the
data requester has added the first data value to the data unit of the Second
Service Party.
The First Service Party receives the notification delivered by the Second
Service Party
and unlocks the data in the data unit of the data initiator whose value equal
to the size of
the first data value. Through the above method, the First Service Party and
the Second
Service Party are added to the data interaction process between the data
requester and
the data initiator, and data interaction occurs between both the data
requester and the
data initiator to additionally create at least two data relationship between
the two parties.
It increases the data relation and enriches the connotation of data
interaction so that
when any one of the data problems occur during the entire data interaction
process, the
corresponding data or data association relationship can still be restored by
means of the
data interaction between the other two parties. It is effectively prevent data
loss and
improve data security and data exchange stability.
[127] Please refer to Figure 5, Figure 5 is a schematic flow chart of another
example of a data
interaction processing method according to the present invention. The data
interaction
processing method in this example includes the following steps:
[128] 501: The First Service Party receives the data delivered by the Second
Service Party.
The requester has added the first data value notification to the data unit of
the Second
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Service Party.
[129] Wherein the first data value is delivered by the Second Service Party to
the data
requester according to a data certificate from a First Service Party, the data
certificate is
opened by the service party according to the application of the data initiator
and locks
the data in the data unit of the data initiator that is not less than the size
of the first data
value.
[130] Specifically, the data requester initiates a data requester of
the first data through the First
Server platform to data initiator. The data certificate is applied by the data
initiator to the
Second Service Party, wherein the data certificate is a quantitative tool of a
pre-established data association relationship between the data initiator and
the First
Service Party.
[131] The First Service Party opens the data certificate and locks the data in
the data unit of
the data originator according to the data certificate whose value is not less
than the first
data value, and delivers the data certificate to the Second Service Party.
After receiving
the data certificate, the Second Service Party delivers the first data to the
data requester,
and require the data requester to add the first data value to the data unit of
the Second
Service Party before the scheduled date.
[132] Wherein, the data certificate is equal to the first data value which
issued by the data
initiator to the data initiator after the First Service Party determines that
the data value in
the data unit of the data initiator is not less than the first data value, a
data certificate
equal to the first data value that is opened to the data initiator.
[133] If the data requester adds a first data value to a data unit of a Second
Service Party
within a predetermined date, the second Funds-Management server receives the
loan
returned by the First Participant; and delivers a notification to the first
Funds-Management server to inform the first Funds-Management server that the
First
Participant had returned the loan. Correspondingly, the First Service Party
receives the
above notification.
[134] In addition, since the first data delivered by the Second Service Party
directly to the data
requester, when the data requester needs to add the first data value to the
data unit of the
Second Service Party, the data requester needs to add the first data value to
the data unit,
at the same time it also need to increase the value of the first equity
relative to the first
CA 3068510 2020-01-17
data from the data unit.
[135] In another example, in order to increase data interaction between the
service party and
the data requester, the service party also includes the data requester's
record of adding
the first data value to the Second Service Party unit on time to the integrity
system, and
increase the grade of the data requester in the integrity system.
[136] 502: Unlocks the data whose size corresponds to the first data value in
the data unit of
the data initiator.
[137] After receiving the notification delivered by the Second Service Party,
the First Service
Party unlocks the data in the data unit of the data initiator whose value
corresponds to
the size of the first data value.
[138] In addition, although part of the data units in the data initiator are
locked, the data
initiator still owns them, The First Service Party unlocks the data in the
data unit of the
data initiator equal to the data value of the first data value, and the First
Service Party
issues the data initiator with added value of frozen data during the freezing
period.
[139] Different from the existing technology, after the First Service Party
receiving the data
delivered by the Second Service Party, it delivers the first data value
notification to the
data unit of the Second Service Party, after the First Service Party receives
the first data
value notification, the First Service Party unlocks the data in the data unit
of the data
initiator whose value corresponds to the size of the first data value. Through
the above
method, the First Service Party and the Second Service Party are added to the
data
interaction process between the data requester and the data initiator, and
data interaction
occurs between both the data requester and the data initiator to additionally
create at
least two data relationship between the two parties. It increases the data
relation and
enriches the connotation of data interaction so that when any one of the data
problems
occur during the entire data interaction process, the corresponding data or
data
association relationship can still be restored by means of the data
interaction between
the other two parties. It is effectively prevent data loss and improve data
security and
data exchange stability.
[140] Please refer to Figure 6, Figure 6 is a schematic flow chart of third
example of a data
interaction processing method according to the present invention. The data
interaction
processing method in this example includes the following steps:
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[141] 601: When the Second Service Party detects that the data requester fails
to add the first
data value to the data unit of the Second Service Party on the First target
date, the
service party delivers to the data requester an instruction that adding the
first data value
to the data unit in the Second Service Party on the Second target date.
[142] Wherein the first data value is delivered by the Second Service Party to
the data
requester according to a data certificate from a First Service Party, the data
certificate is
opened by the service party according to the application of the data initiator
and locks
the data in the data unit of the data initiator that is not less than the size
of the first data
value.
[143] Specifically, the data requester initiates a data requester of
the first data through the First
Server platform to data initiator. The data certificate is applied by the data
initiator to the
Second Service Party, wherein the data certificate is a quantitative tool of a
pre-established data association relationship between the data initiator and
the First
Service Party.
[144] The First Service Party opens the data certificate and locks the data in
the data unit of
the data originator according to the data certificate whose value is not less
than the first
data value, and delivers the data certificate to the Second Service Party.
After receiving
the data certificate, the Second Service Party delivers the first data to the
data requester,
and require the data requester to add the first data value to the data unit of
the Second
Service Party before the scheduled date.
[145] Wherein, the data certificate is equal to the first data value which
issued by the data
initiator to the data initiator after the First Service Party determines that
the data value in
the data unit of the data initiator is not less than the first data value, a
data certificate
equal to the first data value that is opened to the data initiator.
[146] When the data requester fails to add the first data value to the data
unit of the Second
Service Party before the First target date, the Second Service Party delivers
a
notification to the data requester that the first data value is added to the
data unit of the
Second Service Party on the Second target date,
[147] If the data requester adds the first data value to the data unit of the
Second Service Party
before a predetermined date, even though the First target date has arrived,
because the
First Service Party did not receive the notification that the data requester
delivered by
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the Second Service Party has added a first data value to the data unit of the
Second
Service Party, as a result, the First Service Party maintains the status that
the data whose
value in the data unit of the data initiator is not less than the first data
value remains
locked.
[148] In addition, since the data requester adds a first data value to the
data unit of the Second
Service Party by a predetermined date, the second service data requester
requests the
data requester to collect the second data value due to the extended period.
[149] In addition, since the first data delivered by the Second Service Party
directly to the data
requester, when the data requester needs to add the first data value to the
data unit of the
Second Service Party, the data requester needs to add the first data value to
the data unit,
at the same time it also need to increase the value of the first equity
relative to the first
data from the data unit.
[150] 602: When the Second Service Party detecting the data unit of the Second
Service Party
to add the first data value to the data unit of the Second Service Party
before the Second
target date, The data requester adds a notification of the first data value to
enable the
First Service Party to unlock the data in the data unit of the data initiator
whose value is
equal to the first data value.
[151] After receiving the notification delivered by the Second Service Party,
the First Service
Party unlocks the data in the data unit of the data initiator whose value
corresponds to
the size of the first data value.
[152] In addition, although some of the data units in the data initiator are
in a locked state,
they still have the ownership. The First Service Party releases the data
relationship
between the server represented by the data certificate and the data initiator.
It is also
necessary to issue the second rights of frozen data to the data originator
during the
freezing period.
[153] Different from the existing technology, when the Second Service
Party of this example
detects that the data requester fails to add the first data value to the data
unit of the
Second Service Party on the First target date, the Second Service Party
delivers a
notification to the data unit of the data requester to add a first data value
to the data unit
of the Second Service Party before the Second target date. When detecting the
data
requester add the first data value to the data unit of the Second Service
Party before the
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Second target date, a notification is delivered to the First Service Party to
inform the
First Service Party that the data requester has added the first data value to
the data unit
of the Second Service Party, and unlocks the data in the data unit of the data
initiator
whose value equal to the size of the first data value. Through the above
method, the
First Service Party and the Second Service Party are added to the data
interaction
process between the data requester and the data initiator, and data
interaction occurs
between both the data requester and the data initiator to additionally create
at least two
data relationship between the two parties. It increases the data relation and
enriches the
connotation of data interaction so that when any one of the data problems
occur during
the entire data interaction process, the corresponding data or data
association
relationship can still be restored by means of the data interaction between
the other two
parties. It is effectively prevent data loss and improve data security and
data exchange
stability.
[154] Please refer to Figure 7, Figure 7 is a schematic structural diagram of
an example of a
data interaction processing system according to the present invention. The
data
interaction system in this example includes a data requesting Terminal 701, a
data
initiating Terminal 702, a First Server 703, and a Second Server 704,
[155] The Second Server 704 is used to detect that the data requesting
Terminal 701 does not
increase the first data value to the data unit of the Second Server 704 on the
First target
date, A notification of adding the first data value to the data unit of the
Second Server
704 is delivered to the data requesting Terminal 704 on the Second target
date.
[156] Wherein the loan is issued by the Second Server 704 to the First
Participant according to
the electronic commitment payment certificate from the First Server 703, and
the
electronic commitment payment certificate is opened and delivered by the First
Server
703 according to the application of the data initiating Terminal 702, freezing
the funds
of the data unit of the data initiating Terminal 702 which value is not less
than the loan
amount.
[157] The data requesting Terminal 701 is used to receive the notification and
add the first
data value to the data unit of the Second Server 704 on the Second target
date.
[158] The Second Server 704 is further used to send a notification to the
First Server 703 that
the data requesting Terminal 701 has added the first data value to the data
unit of the
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Second Server 704.
[159] The First Server 703 receives the notification delivered by the Second
Server 704 and
unlocks the data whose value in the data unit of the data initiating Terminal
702 is equal
to the size of the first data value.
[160] Different from the existing technology, when the Second Server of this
example detects
that the data requesting terminal fails to add the first data value to the
data unit of the
Second Server on the First target date, the Second Server delivers a
notification to the
data unit of the data requesting terminal to add a first data value to the
data unit of the
Second Server on the Second target date, the data requesting terminal receives
the
notification, and adds a first data unit of the Second Server on the Second
target date.
The Second Server delivers a notification to the First Server to inform the
First Server
that the data requesting terminal has added the first data value to the data
unit of the
Second Server. The First Server receives the notification delivered by the
Second Server
and unlocks the data in the data unit of the data initiating terminal whose
value equal to
the size of the first data value. Through the above method, the First Server
and the
Second Server are added to the data interaction process between the data
requesting
terminal and the data terminal, and data interaction occurs between both the
data
requesting terminal and the data initiating terminal to additionally create at
least two
data relationship between the two parties. It increases the data relation and
enriches the
connotation of data interaction so that when any one of the data problems
occur during
the entire data interaction process, the corresponding data or data
association
relationship can still be restored by means of the data interaction between
the other two
parties. It is effectively prevent data loss and improve data security and
data exchange
stability.
[161] Please refer to Figure 8, Figure 8 is a schematic structural diagram of
an example of a
server according to the present invention. The server in this example includes
a
receiving module 801 and an unlocking module 802.
[162] The receiving module 801 is used to receive the notification that the
data requesting
terminal delivered by the Second Server has adding the first data value to the
data unit
in the second service terminal.
[163] The first data value is sent by the Second Server to the data requesting
terminal
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according to the data credential from the First Server, where the data
credential is sent
by the First Server according to the data initiation terminal Apply for and
lock the data
in the data unit of the data initiating terminal after the data whose value is
not less than
the size of the first data value is opened.
[164] The unlocking module 802 is configured to unlock the data in the data
unit of the data
initiator that has a value corresponding to the size of the first data value.
[165] Different from the prior art, after the receiving module of the First
Server in this
example receives the data request sent by the Second Server and the terminal
has added
the first data value notification to the data unit of the Second Server
terminal, the
unlocking module parscs The data in the data unit of the data initiating
terminal equals
the data of the first data value to be unlocked. Through the above method, the
First
Server and the Second Server are added to the data interaction process between
the data
requesting terminal and the data terminal, and data interaction occurs between
both the
data requesting terminal and the data initiating terminal to additionally
create at least
two data relationship between the two parties. It increases the data relation
and enriches
the connotation of data interaction so that when any one of the data problems
occur
during the entire data interaction process, the corresponding data or data
association
relationship can still be restored by means of the data interaction between
the other two
parties. It is effectively prevent data loss and improve data security and
data exchange
stability.
[166] Please refer to Figure 9, Figure 9 is a schematic structural diagram of
another example
of a server according to the present invention. The server in this example
includes a
detection module 901 and a delivery module 902,
[167] The delivery module 901 is used for when the detecting module 902 detect
that data
requesting terminal is not increasing the first data value of the Second Serve
on the First
target date, and delivers a notification of the first data value to the data
unit of the
Second Server on the Second target date.
[168] The first data value is sent by the Second Server to the data requesting
terminal
according to the data credential from the First Server, where the data
credential is sent
by the First Server according to the data initiation terminal Apply for and
lock the data
in the data unit of the data initiating terminal after the data whose value is
not less than
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CA 3068510 2020-01-17
the size of the first data value is opened.
[169] The delivery module 901 is also used in the condition that when the
detecting module
902 detects that the data requesting terminal adds a first data value to the
data unit of the
Second Server before the Second target date, delivers the notification that
the data
requesting terminal has added the first data value to the data unit in the
Second Server to
the First Server; making the First Server locks the data of first data value
which is equal
to the data initiating terminal of the First Server.
[170] Different from the existing technology, when the delivery module of the
Server in this
example detects that the data requesting terminal fails to add the first data
value to the
data unit of the Second Server on the First target date, the Second Server
delivers a
notification to the data unit of the data requesting terminal to add a first
data value to the
data unit of the Second Server before the Second target date. When the
detecting module
detecting the data requesting terminal has added the first data value to the
data unit of
the Second Server before the Second target date, a notification is delivered
to the First
Server to inform the First Server that the data requesting terminal has added
the first
data value to the data unit of the Second Server, and unlocks the data in the
data unit of
the data initiating terminal whose value equal to the size of the first data
value. Through
the above method, the First Server and the Second Server are added to the data
interaction process between the data requesting terminal and the data
terminal, and data
interaction occurs between both the data requesting terminal and the data
initiating
terminal to additionally create at least two data relationship between the two
parties. It
increases the data relation and enriches the connotation of data interaction
so that when
any one of the data problems occur during the entire data interaction process,
the
corresponding data or data association relationship can still be restored by
means of the
data interaction between the other two parties. It is effectively prevent data
loss and
improve data security and data exchange stability.
[171] The above is only an example of the present invention and is not
intended to limit the
scope of the invention as a matter of limitation, either by way of equivalent
construction
or equivalent process transformation using the present specification and the
accompanying drawings, directly or indirectly used in other related technical
fields,
which are included in the scope of the patent protection of the present
invention.
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