CA2987453A1 - Repayment method, and data interaction processing method, terminal and system - Google Patents

Repayment method, and data interaction processing method, terminal and system

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Publication number
CA2987453A1
CA2987453A1 CA2987453A CA2987453A CA2987453A1 CA 2987453 A1 CA2987453 A1 CA 2987453A1 CA 2987453 A CA2987453 A CA 2987453A CA 2987453 A CA2987453 A CA 2987453A CA 2987453 A1 CA2987453 A1 CA 2987453A1
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data
value
funds
participant
management server
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CA2987453A
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French (fr)
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Yi Zhang
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10353744 Canada Ltd
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10353744 Canada Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Technology Law (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A repayment method, and a data interaction processing method, terminal and system. The repayment method comprises: when a first funds management server determines that a second funds management server has not received a loan returned by a first participant within a scheduled date, the first funds management server sends a notification to a second participant asking the second participant whether to return the loan instead of the first participant, and maintains a portion of funds of the second participant in a frozen state (101), the loan being granted by the second funds management server to the first participant according to an electronic commitment payment certificate from the first funds management server; the second participant receives the notification, and sends a message to the first funds management server replying with an agreement to repay (102); the first funds management server receives the message, and pays the frozen funds of the second participant into a financial system of the second funds management server (103). The method reduces the lending risk for the second participant.

Description

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Title: Repayment Method, And Data Interaction Processing Method, Terminal And System [1] [Technical Field]
[2] The present invention relates to the field of credit, especially, to a repayment method, data interaction processing method, terminal 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 terminal 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 first Funds-Management server determines that 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 inquire the Second Participant that whether the Second Participant returned the loan in place of the First Participant; and maintain the frozen status of the funds of the Second Participant; 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;
[10] The Second Participant receives the notification and replies to the first Funds-Management server a message of agreeing to return the loan in place of the First Participant;
[11] The first Funds-Management server receives the message and pays the frozen funds of the Second Participant into the financial system of the second Funds-Management server.
[12] In order to solve the above technical problem, the second technical solution adopted by the present invention is providing a repayment method, including:
[13] When the second Funds-Management server fails to receive the loan on the target date, first Funds-Management server issues a payment notification to inquire the Second Participant that whether the Second Participant returned the loan in place of the First Participant; and maintains part of the frozen status of the funds of the Second Participant;
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;
[14] The first Funds-Management server receives a message that the Second Participant agrees to replace the First Participant to return and finishes the payment of the frozen funds of the Second Participant to the finance system of the second Funds-Management server.
[15] In order to solve the above technical problem, a third technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes the following steps:
[16] When the First Service Party determines that the data requester does not add the first data value before the target date to the data unit of the Second Service Party, and delivers a notification to the data initiator whether the data initiator take place of data requester to add the first data value to the data unit in the Second Service Party and keep pat of the data is locked in the data unit of data initiator; wherein the first data value is delivered by the Second Service Party 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;
[17] The data initiator receives the notification and replies to the First Service Party a message that agrees to add a first data value to the data unit of the Second Service Party in place of the data requester;
[18] The server receives the message and pays the locked data of the data initiator into the data unit of the Second Service Party, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.
[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 First Service Party determines that the data requester does not add the first data value before the target date to the data unit of the Second Service Party, and delivers a notification to the data initiator whether the data initiator take place of data requester to add the first data value to the data unit in the Second Service Party and keep pat of the data is locked in the data unit of data initiator; wherein the first data value is delivered by the Second Service Party 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 First Service Party adds a notification of adding the first data value to the data unit of the Second Service Party in place of the data requester delivered by the data initiator and paying the frozen funds of the Second Participant to the financial system of the second Funds-Management server.
[22] In order to solve the above technical problem, a fifth technical solution adopted by the present invention is to provide a data interaction processing system, the server including: a data requesting terminal, a data initiating terminal, a First Server, and a Second Server;
[23] When the First Server determines that the data requesting terminal does not add the first data value before the target date to the data unit of the Second Server, and delivers a notification to the data initiating terminal whether the data initiating terminal take place of data requesting terminal to add the first data value to the data unit in the Second Server and keep pat of the data is locked in the data unit of data initiating 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 initiating terminal whose value is not less than the first data value;
[24] The data initiating terminal receives the notification and replies to the First Server a message that agrees to add a first data value to the data unit of the Second Server in place of the data requesting terminal;
[25] The First Server receives the message and pays the locked data of the data initiating terminal into the data unit of the Second Server, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.
[26] In order to solve the above technical problem, a sixth technical solution adopted by the present invention is: it is providing a server which includes a delivery module and a locking module and receiving module,
[27] The delivery module is used for the First Server determines that the data requesting terminal does not add the first data value before the target date to the data unit of the Second Server terminal, and delivers a notification to the data initiating terminal whether the data initiating terminal take place of data requester to add the first data value to the data unit in the Second Service Party and keep part of the data is locked in the data unit of data initiator; wherein the first data value is delivered by the Second Server to the data requester 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 initiating terminal whose value is not less than the first data value;
[28] The receiving module is used to receive a notification delivered by the data initiating terminal that it is willing to add a first data value to the data unit of the Second Server in place of the data requesting terminal;
[29] The delivery module is further used to pay the locked data of the data initiating terminal to the data unit of the Second Server, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.
[30] The beneficial effect of the present invention is to distinguish the situation from the existing technology: when the First Service Party determines that the data requester fails to add the first data value to the data unit of the Second Service Party before a target date, whether to deliver a notification of adding a first data value to a data unit of the Second Service Party in place of the data requester to the data initiator and keep the locking status of the data value in the data unit of the data initiator is less than the data of the first data value, the data initiator receives the notification and replies to the First Service Party a message that agrees to add a first data value to the data unit of the Second Service Party in place of the data requester; and the server receives the message, and delivering the frozen funds of the Second Participant into the financial system of the second Funds-Management server. By interposing the first Funds-Management server and the second = CA 02987453 2017-11-28 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.
[31] [Brief Description]
[32] Figure 1 is a schematic flow chart of an example of a repayment method according to the present invention;
[33] Figure 2 is a schematic flow chart of another example of the repayment method according to the present invention;
[34] Figure 3 is a schematic flow chart of a data interaction processing method in example one of the present invention;
[35] Figure 4 is a schematic flow chart of a data interaction processing method another example of the present invention;
[36] Figure 5 is a schematic structural diagram of a data interaction processing system in an example of the present invention;
[37] Figure 6 is a schematic structural diagram of an example of First Server according to the present invention.
[38] [Description of the Preferred Examples]
[39] 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:
[40] 101, when the first Funds-Management server determines that the second Funds-Management server does not receive the loan returned by the First Participant within the target date, it delivers a notification to the Second Participant asking whether the Second Participant take replaces of the First Participant to return the loan.
[41] 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.
[42] 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.
[43] 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 first Funds-Management server issues the electronic commitment payment certificate which the value is equal to the loan to the Second Participant.
[44] 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 target date at the same time
[45] Wherein, the first Funds-Management server and the second Funds-Management server are banks or other fmancial 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.
[46] If the second Funds-Management server receives the loan returned by the First Participant within the target date, and the second Funds-Management server delivers a notification to the first Funds-Management server that the First Participant of the first Funds-Management server had returned the loan. The first Funds-Management server, in accordance with the above notification, release the amount of the funds equal to the loan of the second participant.
[47] If the first Funds-Management server fails to receive the notification of the first participant returning the loan from the second Funds-Management server at the end of the target date, it is determined that the second Funds-Management server does not receive the loan returned by the First Participation within the target date Party returned loan, delivering a Second Participant a notification asking whether the Second Participant returns the loan in place of the First Participant, the first Funds-Management server maintaining at least part of the funding of the Second Participant are frozen.
[48] 102, the Second Participant receives the notification, and replies to the first Funds-Management server a message of agreeing to return the loan in place of the First Participant.
[49] After receiving the above notification, the Second Participant replies to the first Funds-Management server with a message of agreeing to replace the First Participant to avoid affecting the creditworthiness.
[50] 103, the first Funds-Management server receives the message and delivers the frozen funds of the Second Participant into the financial system of the second Funds-Management server.
[51] Specifically, since this loan is equal 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.
[52] Thus, the first Funds-Management server pays the Second Participant's frozen funds which equal to the loan and its loan interest into the financial system of the second Funds-Management server.
[53] 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.
[54] In addition, since the Second Participant take place of the First Participant to return the loan issued by the second Funds-Management server within a target date, it is an act of integrity. The first Funds-Management server includes the timely repayment record of the Second Participant in the bank credit system and enhance the ranking of the Second Participant in the bank integrity system to facilitate participation of the Second Participant in other activities of the Funds-Management server.
[55] In addition, the second Funds-Management server reduces the credit level of the First Participant in the bank credit system as the First Participant fails to return the loan within the target date.
[56] Since the first participant fails to return the loan on the target date, 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 late fees or/and deferred repayment. Correspondingly, the first Funds-Management server pays the Second Participant's frozen funds which equal to the loan, interest of loan and deferred fine into the financial system of the second Funds-Management server.
[57] In another example, if the First Participant returns the loan to the second Funds-Management server on the 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.
[58] Different from the existing technology, when the First Service Party determines that the data requester fails to add the first data value to the data unit of the Second Service Party before a target date, whether to deliver a notification of adding a first data value to a data unit of the Second Service Party in place of the data requester to the data initiator and keep the locking status of the at least part of the data value in the data unit of the data initiator, the data initiator receives the notification and replies to the First Service Party a message that agrees to add a first data value to the data unit of the Second Service Party in place of the data requester; and the server receives the message, and delivering the frozen funds of the Second Participant into the financial system of the second Funds-Management server.
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.
[59] In other example of the present invention, if the First Participant fails to return the loan to the second Funds-Management server within the 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 frozen funds of Second Participant.
[60] 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 method of First Participant of this example includes the following steps:
[61] 201, the First Service Party determines that the data requester fails to add the first data value to the data unit of the Second Service Party before the target date, delivers to the data initiator a notification of whether to add a first data value to the data unit of the Second Server in place of the data requester and keeping a lock status of at least a part of the data within the data unit of the data initiator.
[62] 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.
[63] 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 first Funds-Management server issues the electronic commitment payment certificate which the value is equal to the loan to the Second Participant.
[64] 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 target date at the same time
[65] 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.
[66] If the second Funds-Management server receives the loan returned by the First Participant within the target date, and the second Funds-Management server delivers a notification to the first Funds-Management server that the First Participant of the first Funds-Management server had returned the loan. The first Funds-Management server, in accordance with the above notification, release the amount of the funds equal to the loan of the second participant.
[67] If the first Funds-Management server fails to receive the notification of the first participant returning the loan from the second Funds-Management server at the end of the target date, it is determined that the second Funds-Management server does not receive the loan returned by the First Participation within the target date Party returned loan, the first Funds-Management server delivering a Second Participant a notification asking whether the Second Participant returns the loan in place of the First Participant, the first Funds-Management server keeping at least part of the funding of the Second Participant are frozen.
[68] 203: the first Funds-Management server receives a message that the Second Participant agrees to replace the First Participant in return and pays the frozen funds of the Second Participant to the second Funds-Management server in the financial system.
[69] After receiving the above notification, the Second Participant replies to the first Funds-Management server with a message of agreeing to replace the First Participant to avoid affecting the creditworthiness.
[70] Correspondingly, the first Funds-Management server receives a message that the Second Participant agrees to replace the First Participant in return and pays the frozen funds of the Second Participant to the second Funds-Management server in the financial system.
[71] Specifically, since this loan is equal 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.
[72] Thus, the first Funds-Management server pays the Second Participant's frozen funds which equal to the loan and its loan interest into the financial system of the second Funds-Management server.
[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 addition, since the Second Participant take place of the First Participant to return the loan issued by the second Funds-Management server within a target date, it is an act of integrity. The first Funds-Management server includes the timely repayment record of the Second Participant in the bank credit system and enhance the ranking of the Second Participant in the bank integrity system to facilitate participation of the Second Participant in other activities of the Funds-Management server.
[75] In addition, the second Funds-Management server reduces the credit level of the First Participant in the bank credit system as the First Participant fails to return the loan within the target date.
[76] Since the first participant fails to return the loan on the target date, 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 late fees or/and deferred repayment. Correspondingly, the first Funds-Management server pays the Second Participant's frozen funds which equal to the loan, interest of loan and deferred fine into the financial system of the second Funds-Management server.
[77] In another example, if the First Participant returns the loan to the second Funds-Management server on the 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.
[78] Distinguish from the existing technology, when the second Funds-Management server does not receive the loan within a target date, the first Funds-Management server in the present example delivers a request to the Second Participant to inquire the Second Participant whether to replace the First Participant to return the loan, keeping a frozen status of a part of the funds of the Second Participant, the first Funds-Management server receiving the Second Participant's consent to return in place of the First Participant and pays the frozen funds of the Second Participant to the financial system of the second Funds-Management server.
[79] 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.
[80] Please refer to Figure 3, Figure 3 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:
[81] 301, the First Service Party determines that the data requester fails to add the first data value to the data unit of the Second Service Party before the target date, delivers to the data initiator a notification of whether to add a first data value to the data unit of the Second Server in place of the data requester and keeping a lock status of at least a part of the data within the data unit of the data initiator.
[82] 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.
[83] 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.
[84] 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, the First Service Party 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, wherein, the first data value is the value of the first data.
[85] 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.
[86] If the data requester adds a first data value to a data unit of a Second Service Party within a 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 data initiator has added the data value. The first Funds-Management server will pay the data whose size corresponds to the first data value in the data unit of the data initiator.
[87] If the first Funds-Management server does not receive a notification that the data requester delivered by the second Funds-Management server has added the first data value to the data unit of the Second Service Party at the end of the target date, the First Service Party is determined that the data requester does not add the first data value to the data unit of the Second Service Party before the scheduled date and delivers to the data initiator whether or not to add the first data value to the data unit of the Second Service Party in place of the data requester and keeps the locked state of the data in the data unit of the data initiator whose value is not less than the size of the first data value.
[88] 302, the data initiator receives the notification, and replies to the First Service Party a message that agrees to add a first data value to the data unit of the Second Service Party in place of the data requester.
[89] After receiving the notification, the data initiator in order to influence the reputation of the data, delivers a notification to the First Service Party that the data unit of the Second Service Party is willing to add the first data value in place of the data requester.
[90] 303, the service party receives the message and pays the locked data of the data initiator to the data unit of the Second Service Party, wherein the value of the payment data is equal to the first data value, and the value of the value-added data of the first data value.
[91] 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-added to the first data from the data unit.
Therefore, the number of locked value of the data initiator in First Service Party is equal to the first data value and the value-added data to the data unit of the Second Service Party.
[92] In addition, since the data requester fails to add a first data value to the data unit of the Second Service Party in the target date, the data requester also adds the delay data of the first data value due to the extended period to the data unit of the Second Service Party.
Therefore, the number of locked value of the First Service Party to the data initiator is equal to the first data value and the value-added data of the First Service Party and to the data unit of the Second Service Party.
[93] In another example, because the data initiator agrees to add the first data value to the data unit of the Second Server in place of the data requester, it is an act of honesty, in order to increase data interaction between the Second Server and the data initiator, the service party also includes the data initiator'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 initiator in the integrity system.
[94] 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.
[95] In another example, if the data initiator adds the first data value to the Second Service Party before the target date, the Second Service Party delivers a notification to the First Service Party that the First Service Party had added the first data value to the Second Service Party; the First Service Party receives the notification of the Second Service Party, and pays the data of the first data value which equal to the data in the data unit of the data initiator.
[96] Different from the existing technology, when the First Service Party of this example determines that the data requester fails to add the first data value to the data unit of the Second Service Party before a target date, the First Service Party of the present example delivers to the data initiator whether or not it is willing to replace the data requester to add a notification of the first data value to the data unit of the Second Service Party and keeps a lock status of at least part of the data in the data unit of the data initiator and the data initiator receives the notification and delivers the First Service Party a message of adding a first data value to the data unit of the Second Service Party in place of the data requester, the server receives the message and pays the locked data of the data initiator to the data unit of the Second Service Party. Through the above method, during the data interaction process between the data requester and the data initiator, the First Service Party and the Second Service Party were added, 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 preventing data loss and improve data security and data exchange stability.
[97] Different from the existing technology, when the data initiator fails to add the first data value to the unit of the Second Service Party before the target date, making the 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 pays the data in the data unit of the data initiator whose value equal to the size of the first data value.
[98] Please refer to Figure 4, Figure 4 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:
[99] 401, the First Service Party determines that the data requester fails to add the first data value to the data unit of the Second Service Party before the target date, delivers to the data initiator a notification of whether to add a first data value to the data unit of the Second Server in place of the data requester and keeping a lock status of at least a part of the data within the data unit of the data initiator.
[100] 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.
[101] 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.
[102] 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, the First Service Party 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, wherein, the first data value is the value of the first data.
[103] 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.
[104] If the data requester adds a first data value to a data unit of a Second Service Party within a 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 data initiator has added the data value. The first Funds-Management server will pay the data whose size corresponds to the first data value in the data unit of the data initiator.
[105] If the first Funds-Management server does not receive a notification that the data requester delivered by the second Funds-Management server has added the first data value to the data unit of the Second Service Party at the end of the target date, the First Service Party is determined that the data requester does not add the first data value to the data unit of the Second Service Party before the scheduled date and delivers to the data initiator whether or not to add the first data value to the data unit of the Second Service Party in place of the data requester and keeps the locked state of the data in the data unit of the data initiator whose value is not less than the size of the first data value.
[106] 402, the First Service Party, after receiving a notification delivered by the data initiator that it is willing to add a first data value to the data unit of the Second Service Party in place of the data requester, pays the locked data of the initiator to the data unit of the Second Service Party, wherein the value of the data to be paid equal to the values of the first data value and the value-added data of the first data value.
[107] After receiving the notification, the data initiator in order to influence the reputation of the data, delivers a notification to the First Service Party that the data unit of the Second Service Party is willing to add the first data value in place of the data requester.
[108] Correspondingly, the First Service Party receives the notification delivered by the data initiator and adds the data of the first data value which equal to the data in the data unit of data initiator to the data unit of the Second Service Party.
[109] 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-added to the first data from the data unit.
Therefore, the number of locked value of the data initiator in First Service Party is equal to the first data value and the value-added data to the data unit of the Second Service Party.
[110] In addition, since the data requester fails to add a first data value to the data unit of the Second Service Party in the target date, the data requester also adds the delay data of the first data value due to the extended period to the data unit of the Second Service Party.
Therefore, the number of locked value of the First Service Party to the data initiator is equal to the first data value and the value-added data of the First Service Party and to the data unit of the Second Service Party.
[111] In another example, because the data initiator agrees to add the first data value to the data unit of the Second Server in place of the data requester, it is an act of honesty, in order to increase data interaction between the Second Server and the data initiator, the service party also includes the data initiator'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 initiator in the integrity system.
[112] 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.
[113] Different from the existing technology, when the First Service Party of this example determines that the data requester fails to add the first data value to the data unit of the Second Service Party before a target date, the First Service Party of the present example delivers to the data initiator whether or not it is willing to replace the data requester to add a notification of the first data value to the data unit of the Second Service Party and keeps a lock status of at least part of the data in the data unit of the data initiator and the first Service Party receives the notification that the data initiator is willing to take place of data initiator to add the first data value to the data unit of the Second Service Party and pays the locked data of the data initiator to the data unit of the Second Service Party. 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.
[114] In another example, if the data initiator adds the first data value to the Second Service Party before the target date, the Second Service Party delivers a notification to the First Service Party that the First Service Party had added the first data value to the Second Service Party; the First Service Party receives the notification of the Second Service Party, and pays the data of the first data value which equal to the data in the data unit of the data initiator.
[115] Different from the existing technology, when the data initiator fails to add the first data value to the unit of the Second Service Party before the target date, making the 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 pays the data in the data unit of the data initiator whose value equal to the size of the first data value.
[116] Please refer to Figure 5, Figure 5 is a schematic structural diagram of an example of a data interaction processing system according to the present invention. The data interaction processing system in this example includes a data requesting Terminal 501, a data initiating Terminal 502, a First Server 503, and a Second Server 504,
[117] The First Server 503 is used to determine when data requesting terminal 501 fails to add the first data value in the data unit of Second Server 504 before the target date, it delivers the notification to data initiating terminal 502 asking if it is willing to take place of data requesting terminal 501 to add the first data value in the data unit to the data initiator terminal 504, and keeps the part of the data were locked in the data unit of data initiating terminal 502.
[118] Wherein, the first data value is delivered by the Second Server 504 to the data requester 501 according to the data certificate from the First Server 503, where the data certificate is delivered by the First Server 503 according to the data initiating terminal 502 apply for and lock the data in the data unit of the data initiating terminal 502 after the data whose value is not less than the size of the first data value is opened.
[119] The data initiating terminal 502 is used to receive the notification, and replies to the First Service Party a message that agrees to add a first data value to the data unit of the Second Server 504 in place of the data requesting terminal 501.
[120] The First Server 503 is also used to receive the message and lock the locked data of the data initiating terminal 502 to the data unit of the Second Server 504, wherein the data value of the payment is equal to the first data value and the data of value-added in the first data.
[121] Different from the existing technology, in the example of present example, the First Server determines that the data requester fails to add the first data value to the data unit of the Second Server before the target date, delivers to the data initiating terminal a notification of whether to add a first data value to the data unit of the Second Server in place of the data requesting terminal and keeping a lock status of at least a part of the data within the data unit of the data initiating terminal. After receiving the notification, the data initiating terminal, replies to the First Server with a message of adding a first data value to the data unit of the Second Server in place of the data requesting terminal; and the First Server is also used to receive the message and paying the locked data of the data initiating terminal into the data unit of the Second Server, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value. Through the above method, during the data interaction process between the data requester terminal and data initiating terminal, the First Server and the Second Server are added, making the First Server and Second Server respectively interact with the data initiating terminal and data requesting terminal, and 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 preventing data loss and improve data security and data exchange stability.
[122] Please refer to Figure 6, it is a schematic structural diagram of an example of a server according to the present invention. The server in this example includes a delivery module 601, a locking module 602, and a receiving module 603,
[123] When the First Server is determining that the data requesting terminal fails to add the first data value to the data unit in the second service terminal, the delivery module 601 is used to deliver a notification to data initiating terminal whether it is willing to replace the data requester to add the first data value to the data unit in the Second Server, he locking module is used to keeping at least some parts in the data unit of data initiating terminal are locked.
[124] The first data value is sent by the Second Server to the data requester 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.
[125] The receiving module 602 is used to receive a notification delivered by the data initiating terminal that it is willing to add a first data value to the data unit of the Second Server in place of the data requesting terminal;
[126] The delivery module 603 is also used to pay the locked data of the data initiating terminal to the data unit of the Second Server, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.
[127] Different from the existing technology, the sever of the delivery module in the present invention is that when the First Server is determines that the data requesting terminal fails to add the first data value to the data unit in the second service terminal, the delivery module is used to deliver a notification to data initiating terminal whether it is willing to replace the data requester to add the first data value to the data unit in the Second Server, the locking module is keeping at least some parts in the data unit of data initiating terminal are locked. When the receiving module receives the notification delivered by the data initiating terminal that it is determined to add the first data value to the data unit of the Second Server in place of the data requesting terminal, the delivery module will release the locked data-initiating terminal of the data initiating terminal to the data unit of the Second Server, wherein the value of the data to be paid equal to the values of the first data value and the value-added data of the first data value. Through the above method, during the data interaction process between the data requester terminal and data initiating terminal, the First Server and the Second Server are added, making the First Server and Second Server respectively interact with the data initiating terminal and data requesting terminal, and 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 preventing data loss and improve data security and data exchange stability.
[128] 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.

Claims (17)

    The Claims
  1. [Claim 1] A repayment method, including:
    The first Funds-Management server determines when the second Funds-Management server fails to receive the loan returned by the First Participant on the target date, it delivers a notification to Second Participant asking if the Second Participant whether it take place of the First Participant to return the loan and maintain part of 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 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;
    The Second Participant receives the notification, and replies to the first Funds-Management server a message of agreeing to return the loan in place of the First Participant;
    The first Funds-Management server receives the message and delivers the frozen funds of the Second Participant into the financial system of the second Funds-Management server.
  2. [Claim 2] The characteristic of method in Claim 1, is that the first Funds-Management server receives the message and delivers the frozen funds of the Second Participant into the financial system of the second Funds-Management server:
    The first Funds-Management server issues the Second Participant a deposit interest that has been frozen during the frozen period;
    Include the Second Participant's repayment record on schedule into the bank credit system;
    Increase the credit rating of the Second Participant in the bank integrity system.
  3. [Claim 3] The characteristic of the method in Claim 1, is that the first Funds-Management server receives the message and delivers the frozen funds of the Second Participant into the financial system of the second Funds-Management server:
    The second Funds-Management server reduces the credit rating of the First Participant in the bank integrity system.
  4. [Claim 4] According to any repayment method in Claim 1-4, the characteristic of repayment methods also includes:
    When the second Funds-Management server fails to receive repayment after the payment period, the second Funds-Management server shall impose a late penalty on the First Participant, wherein, the deferral penalty is an increase in the interest of the loan within the period of delay or late payment or/and extension of repayment.
  5. [Claim 5] A repayment method, including:
    The first Funds-Management server determines when the second Funds-Management server fails to receive the loan returned by the First Participant on the target date, it delivers a notification to Second Participant asking if the Second Participant whether it take place of the First Participant to return the loan and maintain part of 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 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;
    The first Funds-Management server receives a message that the Second Participant agrees to replace the First Participant in return and pays the frozen funds of the Second Participant to the second Funds-Management server in the financial system.
  6. [Claim 6] The characteristic of method in Claim 5, is that the first Funds-Management server receives the message and delivers the frozen funds of the Second Participant into the financial system of the second Funds-Management server:
    The first Funds-Management server issues the Second Participant a deposit interest that has been frozen during the frozen period;
    Including the Second Participant schedule repayment record into a bank integrity system; and increasing the Second Participant's credit rating in the bank integrity system.
  7. [Claim 7] A data interaction processing method, wherein the method comprises:
    When the first service party determines that the data requester does not add the first data value before the target date to the data unit of the Second Service Party, and delivers a notification to the data initiator whether the data initiator take place of data requester to add the first data value to the data unit in the Second Service Party and keep pat of the data is locked in the data unit of data initiator;
    wherein the first data value is delivered by the Second Service Party 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;
    The data initiator receives the notification and replies to the First Service Party a message that agrees to add a first data value to the data unit of the Second Service Party in place of the data requester;
    The First Service Party receives the message and paying the locked data of the data initiator into the data unit of the Second Service Party, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.
  8. [Claim 8] According to method in Claim 7, the characteristic is that the First Service Party receives the message and pays the locked data of the data initiator to the data unit of Second Service Party, also before or after the steps are:
    Add the value in the data unit of the data initiator to the first Service Party equal to the data value of the first data which the value-added data were produced in the locked period.
  9. [Claim 9] According to method in Claim 7, the characteristic is that the First Service Party receives the message and pays the locked data of the data initiator to the data unit of Second Service Party, also before or after the steps are:
    The Second Participant reduces the level of the data requesters in their credit system.
  10. [Claim 10] According to any repayment method in Claim 7-9, the characteristic of repayment methods also includes:
    When the data requester fails to add the first data value to the data unit of the Second Service Party within a target date, the Second Service Party imposes a delay on the data requester to the first data value generated due to the expiration Satisfied data
  11. [Claim 11] A data interaction processing method, wherein the method comprises:
    When the first service party determines that the data requester does not add the first data value before the target date to the data unit of the Second Service Party, and delivers a notification to the data initiator whether the data initiator take place of data requester to add the first data value to the data unit in the Second Service Party and keep pat of the data is locked in the data unit of data initiator;
    wherein the first data value is delivered by the Second Service Party 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;
    When the first service party receives the notification delivered by the data initiator that it is determined to add the first data value to the data unit of the Second Service Party in place of the data requester, it will pay the locked data-initiator of the data initiator to the data unit of the Second Service Party, wherein the value of the data to be paid equal to the values of the first data value and the value-added data of the first data value.
  12. [Claim 12] According to the method in Claim 11, the characteristic is that when the first service party receives the notification delivered by the data initiator that it is determined to add the first data value to the data unit of the Second Service Party in place of the data requester, it will pay the locked data-initiator of the data initiator to the data unit of the Second Service Party, wherein the value of the data to be paid equal to the values of the first data value and the value-added data of the first data value, before or after the steps also including:
    Add the value in the data unit of the data initiator to the first Service Party equal to the data value of the first data which the value-added data were produced in the locked period.
  13. [Claim 13] The characteristic of data processing system including that the data interaction system includes a data requesting terminal, a data initiating terminal, a First Server and a Second Server;
    When the First Server determines that the data requesting terminal does not add the first data value before the target date to the data unit of the Second Server, and delivers a notification to the data initiating terminal whether the data initiating terminal take place of data requesting terminal to add the first data value to the data unit in the Second Server and keep pat of the data is locked in the data unit of data initiating 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 initiating terminal whose value is not less than the first data value;
    The data initiating terminal receives the notification and replies to the First Server a message that agrees to add a first data value to the data unit of the Second Server in place of the data requesting terminal;
    The First Server receives the message and paying the locked data of the data initiating terminal into the data unit of the Second Server, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.
  14. [Claim 14] The characteristic of data interaction processing system according to Claim 13 is that wherein the First Server is also used to: when the First Server is also used to pay the locked data in the data initiating terminal to the data unit in the Second Server, add the data of value-added data produced in the locked period which equal to the first data value in the data unit of data initiating terminal.
  15. [Claim 15] According to the data interaction processing system in Claim 13, the characteristic is that wherein the Second Service Party is also used to: the data initiating terminal fails to add the first data value to the data unit to the Second Server before the target date, decrease the level of the data requesting terminal in its credit system.
  16. [Claim 16] The data interaction processing system according to Claim 13, the Second Service Party is also used to add a first data value to a data unit of the Second Service Party before the data requesting terminal fails to pay on the target date, the data request terminal is charged with a delay of the fist data value due to the overage.
  17. [Claim 17] The characteristic of a server is including a detecting module, locking module and a delivery module, The delivery module is used for the First Server determines that the data requesting terminal does not add the first data value before the target date to the data unit of the Second Server terminal, and delivers a notification to the data initiating terminal whether the data initiating terminal take place of data requester to add the first data value to the data unit in the Second Server and keep part of the data is locked in the data unit of data initiator; wherein the first data value is delivered by the Second Server to the data requester 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 initiating terminal whose value is not less than the first data value;
    The receiving module is used to receive a notification delivered by the data initiating terminal that it is willing to add a first data value to the data unit of the Second Server in place of the data requesting terminal;
    The delivery module is further used to pay the locked data of the data initiating terminal to the data unit of the Second Server, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.
CA2987453A 2015-05-29 2015-05-29 Repayment method, and data interaction processing method, terminal and system Pending CA2987453A1 (en)

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CN101122986A (en) * 2006-08-08 2008-02-13 阿里巴巴公司 Method and system for implementing debit and credit by network
US20080071654A1 (en) * 2006-08-28 2008-03-20 Jay Cohen Method, system, and apparatus for remittance processing over a network
CN101567071A (en) * 2008-04-21 2009-10-28 阿里巴巴集团控股有限公司 Data interactive processing method and device of online transaction system and bank system
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CN102034205A (en) * 2010-12-13 2011-04-27 苏州德融嘉信信用管理技术有限公司 Integrated account management system
CN102903056A (en) * 2011-07-27 2013-01-30 刘金衢 Method and system for debit and credit guarantee based on e-commerce platform
CN105096192A (en) * 2015-05-29 2015-11-25 深圳市银信网银科技有限公司 Loan repayment method, data interactive processing method, terminals and data interactive processing system
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