CA2987499C - Online lending method, and data interaction processing method, device and system - Google Patents

Abstract

Disclosed are an online lending method, and a data interaction processing method, device and system. The online lending method comprises: a second participant and a third participant respectively receive a borrowing request of a first participant, and respectively submit an application to open a credit certificate to a first funds management server; the first funds management server generates a corresponding first credit certificate and a corresponding second credit certificate, and freezes first funds of the second participant which are equal to a first credit certificate borrowing limit and second funds of the third participant which are equal to a second credit certificate borrowing limit; according to the first and second credit certificates, a second funds management server grants funds to the first participant which are equal to the first and second funds, and also sets a repayment time for the granted funds, and monitors a repayment date of the first participant. The present invention reduces the lending risk for a loan initiator.

Description

Online Lending Method, and Data Interaction Processing Method Device And System [1] [Technical Field]

[2] The present invention relates to the field of credit, and in particular, to a borrowing method, data interaction processing method, device and system.

[3] [Background Technology]

[4] Private lending is divided into private personal loans and loans between citizens and financial enterprises. As private lending is mostly conducted in the semi-public or even secret circumstances, both the borrower and the lender generally test the so-called reputation maintenance, incomplete credit procedures, lack of secured mortgages and unreliable legal guarantees. In the event of a change of circumstances, the lender is very likely that the money lent to the borrower will not be recoverable.

[5] With the development of Internet technology and especially mobile Internet technology, users can connect to the Internet through mobile devices using 2G 3G, 4G or WiFi to conduct transactions and social activities. Users can conveniently and effectively perform online activities, this is an incomparable experience with offline. As a result, it is necessary to provide an online-based loan method.

[6] Further, since users can realize various ways of data interaction through the Internet, it is necessary to provide an online data interaction processing method.

[7] [Summary of the Invention]

[8] It is an object of the present invention to provide an online lending method.

[9] An online lending method provided by the present invention, the method includes: a First Participant submits a loan request; a Second Participant and a third party respectively receive the loan request of the First Participant, thereafter respectively submitting a credit certificate application to the first Funds-Management server; according to the said credit certificate, the first Funds-Management server applies an application to generate corresponding first credit certificate and second credit certificate, and then freezing the Second Participant's first funds that equal to borrowing limit of the first credit certificate and freezing the Third Participant's second funds that equal to the borrowing limit of the second credit certificate; the said first credit certificate and the second credit certificate are sent to the second Funds-Management server; Wherein the sum of the loan amounts of the first credit certificate and the second credit certificate is equal to the loan amount requested by the borrower of the First Participant; after receiving the said first credit certificate and the second credit certificate, the second Funds-Management server issues the First Participant funds that equal to the first funds and funds that equal to the second funds;
wherein the second Funds-Management server sets the repayment time of the issued funds and monitors the repayment date of the First Participant; the first Funds-Management server is the account management server for the Second and Third Participant, and the second Funds-Management server is an account management server for the First Participant.

[10] Another online lending method provided by the present invention includes: a first Funds-Management server receives, an application for opening a credit by a Second and Third Participant according to a loan request of a First Participant; based on the credit certificate opening application, generate a first credit certificate and a second credit certificate, and then freezing the Second Participant's first funds that equal to borrowing limit of the first credit certificate and freezing the Third Participant's second funds that equal to the borrowing limit of the second credit certificate; the said first credit certificate and the second credit certificate are sent to the second Funds-Management server; after receiving the said first credit certificate and the second credit certificate, the second Funds-Management server issues the First Participant funds that equal to the first funds and funds that equal to the second funds; wherein the second Funds-Management server sets the repayment time of the issued funds and monitors the repayment date of the First Participant; the first Funds-Management server is the account management server for the Second and Third Participant, and the second Funds-Management server is an account management server for the First Participant.

[11] Another online lending method provided by the present invention includes: the second Funds-Management server receives the said first credit certificate and the second credit certificate; wherein, the first credit certificate and the second credit certificate are generated correspondingly after the first Participant receives the Second and Third Participant's credit certificate opening application according to the loan request submitted by the First Participant, and the second Funds-Management server issues the First Participant funds that equal to the first funds and funds that equal to the second funds;
wherein the second Funds-Management server sets the repayment time of the issued funds and monitors the repayment date of the First Participant; the first Funds-Management server is the account management server for the Second and Third Participant, and the second Funds-Management server is an account management server for the First Participant.

[12] In the aforesaid on-line lending method, the Second and Third Participant applies to the first Funds-Management server for issuing the credit certificate when receiving the loan request of the First Participant, and the first Funds-Management server freezes the corresponding fund. The second Funds-Management server issues the frozen funds to the First Participant based on the credit certificate. As a result, the Funds-Management server is used as an intermediary platform for the three parties, the Second and Third Participant guarantees the first Funds-Management server, and the associated second Funds-Management server issues the loan to the First Participant, thereby facilitating the First Participant applies loan online; in addition, the second Funds-Management server monitors the repayment date of the First Participant, thereby reducing the loan risk of the loan initiator.

[13] Another object of the present invention is to provide a data interaction processing method, a data interaction system, and a data processing device.

[14] The present invention provides a data interaction processing method, in which a data requester initiates a first data request that needs to add a first data value to a data unit thereof; the first data initiator and the second data initiator receives the first data request respectively, and submits the data certificate opening application to the First Service Party;
the First Service Party opens application and generates the first data certificate and the second data certificate correspondingly according to the data certificate and locks the first data in the data unit of the first data initiator that is equal to the data value represented by the first data certificate and locks the second data in the data unit of the second data initiator that is equal to the data value represented by the second data certificate, and send the first data certificate and the second data certificate to a Second Service Party; after receiving the first data certificate and the second data certificate, the Second Service Party adds a data value equal to the first data size to the data requester data unit and the data value equal to the second data size; Wherein the Second Service Party sets that the data requester should add a data value equal to the sum of the first data and the second data to the Second Service Party data unit within a predetermined time.

[15] Another data interaction processing method provided in the present invention includes: the First Service Party receives the respective opening application of the first data initiator and the second data initiator according to the submitted data of the first data request; wherein, the first data request is the request that data requester initiates and requires to add the first data value to its data unit; according to the date certificate, open application and generate respective first data certificate and second data certificate, lock the first data in the data unit of the first data initiator and the first data is equal to the data value represented by the first data certificate, and lock the second data in the data unit of the second data initiator and the second data is equal to the data value represented by the second data certificate; send the first data certificate and the second data certificate to the Second Service Party, after the Second Service Party receives the first data certificate and the second data certificate, add the data value that equals to the first data size in data unit of the data requester and add the data value that equal to the second data size; wherein the Second Service Party sets that the data requester should add a data value equal to the sum of the first data and the second data to the Second Service Party data unit within a predetermined time.

[16] Another aspect of the present invention provides a data interaction processing method, where the method includes: a Second Service Party receives a first data certificate and a second data certificate, wherein, the First Service Party receives the first data request of the first data initiator, according to the data of the first data requester, raises the data certificate and open an application to generate the first data certificate; the First Service Party receives the first data request of the second data initiator, according to the data of the first data requester, raises the data certificate and open an application to generate the second data certificate; the first data request is initiated by the data requester, and shall add the request of the first data value in its data unit; add a data value equal to the first data size in the data unit of the said data requester and the data value equal to the said second data size;
wherein, the said Second Service Party sets that the data requester should add a data value equal to the sum of the first data and the second data to the Second Service Party data unit within a predetermined time.

[17] An example of the present invention provides a data interaction processing system, including: a data requesting terminal, configured to initiate a first data request that needs to add a first data value to a data unit thereof; a first data initiating terminal, configured to receive the first data request, and submit the first data certificate opening application; a second data initiating terminal, configured to receive the first data request, and submit the second data certificate opening application; a First Server, configured to open an application to generate a first data certificate and a second data certificate according to the first data certificate and second data certificate respectively, lock the first data in the data unit of the first data initiating terminal and the first data is equal to the data value represented by the first data certificate, and lock the second data in the data unit of the second data initiating terminal and the second data is equal to the data value represented by the second data certificate A Second Server, configured to add a data value equal to the first data size and the second data size to the data requester data unit after receiving the first data certificate and the second data certificate respectively; wherein the Second Server sets the data request terminal to add a data value equal to the sum of the first data size and the second data size to the Second Server data unit within a predetermined time.

[18] A device for data interaction processing provided by the present invention includes: a receiving module, configured to receive an application for opening a data certificate that is proposed by a first data initiating terminal and a second data initiating terminal according to a the first data request respectively; wherein the first data request is that the data requesting terminal initiates a request for adding a first data value to a data unit thereof; a processing module, configured to open an application and generate the first data certificate and the second data certificate according to the said data certificate; lock the first data in the data unit of the first data initiating terminal and the first data is equal to the data value represented by the first data certificate; lock the second data in the data unit of the second data initiating terminal and the second data is equal to the data value represented by the second data certificate; the issuing module, configured to send the first data certificate and the second data certificate to a Second Server, so that after the Second Server receives the first data certificate and the second data certificate, add the data value equal to the first data size in the data unit of the data requesting terminal and add the data value equal to second data size; wherein the device is set to increase the data size of the first data size to the second data size of the second data unit by a predetermined time equal data value; wherein the Second Server sets the data request terminal to add a data value equal to the sum of the first data size and the second data size to the Second Server data unit within a predetermined time.

[19] Another data interaction processing device provided in the present invention includes: a receiving module, configured to receive a first data certificate and a second data certificate;
wherein the first data certificate is used by a First Server to receive data from a first data initiating terminal according to the first data request, and the first data certificate is generated based on the raised data certificate opening application from the request; the second data certificate is used by a First Server to receive data from a second data initiating terminal according to the first data request, and the second data certificate is generated based on the raised data certificate opening application from the request; the first data request is that the data requesting terminal initiates a request for adding a first data value to a data unit thereof; the issuing module, adds the data value equal to the first data size in the data unit of the data requesting terminal and add the data value equal to second data size;
wherein the Second Server sets the data request terminal to add a data value equal to the sum of the first data size and the second data size to the Second Server data unit within a predetermined time.

[20] In the data interaction processing method, the data interaction system, and the data processing device, when a first and a second data initiators initiate a data request that needs to add a data value to a data unit thereof after receiving a data request of the data requester, the First Service Party opens the data certificate according to the request of the data initiator and locks the corresponding first data and second data so that the Second Service Party adds the value of the first data and the second data to the data requester according to the data certificate and requests the data requester adds the value of the first data and the second data to the Second Service Party data unit within a predetermined time.
Therefore, during the process of data exchange, the First and the Second Service Party are added into the interaction process. After the data initiator sends the server for credit guarantee, the server becomes the actual data issuer, so that the data interaction is more conveniently and safely handled.

[21] [Brief Description]

[22] Figure 1 is a lending method in a first example of the present invention;

[23] Figure 2 is a schematic diagram of lending relationship in the example of the present invention;

[24] Figure 3 is a schematic flowchart of a lending method in a second example of the present invention;

[25] Figure 4 is a schematic flowchart of a lending method in a third example of the present invention;

[26] Figure 5 is a schematic flowchart of a lending method in a fourth example of the present invention;

[27] Figure 6 is a schematic flow chart of a data interaction processing method in a first example of the present invention;

[28] Figure 7 is a schematic diagram of data interaction in an example of the present invention;

[29] Figure 8 is a schematic flowchart of a data interaction processing in a second example of the present invention;

[30] Figure 9 is a schematic flowchart of a data interaction processing method in a third example of the present invention;

[31] Figure 10 is a schematic structural diagram of a data interaction processing system in an example of the present invention;

[32] Figure 11 is a schematic diagram of a connection relationship of data interaction in an example of the present invention;

[33] Figure 12 is a flow chart of a data interaction processing device in a first example of the present invention;

[34] Figure 13 is a schematic flowchart of a data interaction processing device in a second example of the present invention;

[35] [Description of the Preferred Examples]

[36] The present invention will be described in detail below with reference to the accompanying drawings and examples.

[37] Referring to Figure 1, it is a schematic flowchart of a lending method according to a first example of the present invention. Please see Figure 2, at the same time, combined with the lending relationship diagram, the method flow shown in this example includes:

[38] Step S10, the First Participant submits a loan request.

[39] Step S11, the Second and Third Participant receive the loan request of the First Participant respectively, and then submits the credit application to the first Funds-Management server.

[40] This letter of credit is a Bank Credit Certificate, opened for the loan initiator with his bank account funds or credit lines as a guarantee, and the bank promises to process payment and settlement of electronic credit certificates in accordance with the terms of the settlement.

[41] Referring to Figure 3, further, step S10, that is, submitting a loan request by a First Participant is specifically implemented through the following steps:

[42] Step SlOa, the First Participant initiates the lending request through the First Server platform.

[43] Wherein, the server platform can be an e-commerce platform, and the First Participant may also visit the e-commerce platform through an application installed in an intelligent terminal to complete the initiation of a lending request.

[44] Step 11, that is, the Second and Third Participant receive the loan request of the First Participant, and then submits the application for opening the credit certificate to the first Funds-Management server, specifically by the following steps:

[45] Step Slla, the Second and Third Participant receive the loan request through the server platform and submits a credit application to the first Funds-Management server.

[46] The Second and Third Participant can also visit the server platform to find and receive the lending request of the First Participant.

[47] In step S12, the First Funds-Management server opens an application to generate a first credit certificate and a second credit certificate according to the credit certificate, and then, the first funds in the Second Participant equal to the loan amount of the first credit certificate are frozen; the second funds in the Third Participant equal to the loan amount of the second credit certificate are frozen, and the first credit certificate and the second credit certificate are sent to the Second Funds-Management server. Wherein the sum of the loan amounts of the first credit certificate and the second credit certificate is equal to the loan amount requested by the borrower of the First Participant.

[48] Step S13, after receiving the first credit certificate and a second credit certificate, the second Funds-Management server issues the funds equal to the first funds to the First Participant and the funds equal to the second funds.

[49] Wherein the second Funds-Management server sets the repayment time of the issued funds and monitors the repayment date of the First Participant.

[50] The first Funds-Management server is an account management server of the Second and Third Participant, and the second Funds-Management server is an account management server of the First Participant.

[51] In the present example, the first Funds-Management server is the first bank's Funds-Management server, and the second Funds-Management server is the second bank's Funds-Management server. The frozen fund is a deposit of the Second Participant and Third Participant in the first Funds-Management server or a credit limit given by the first Funds-Management server to the Second Participant and Third Participant, or the Second Participant and Third Participant mortgages the real estate to the first Funds-Management server.

[52] In other examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.

[53] In the method of the present invention, the First Participant is a borrower, and the Second and Third Participant is a loan initiator.

[54] For example, the borrower issues a loan request for borrowing 100,000. After receiving the loan request, the first loan initiator and the second loan initiator respectively apply to the first bank for presenting the first credit certificate and the second credit certificate.
Among them, the value of the first credit merit 20,000, the second merit worth 80,000.
Or, the value of the first credit is equivalent to 60,000, the value of the second credit is equal to 40,000, and so on. In short, the sum of the value of the first and second certificates is equal to 100,000. The first bank freezes the funds of the originator of the loan in this first bank, wherein the sum of the value of the frozen funds equals the sum of the first and second certificates. For example, freezing 20,000 of the first loan initiator in bank deposits and 80,000 of the second loan initiator in bank deposits as a guarantee for the loan initiator. Then, the bank will be 180,000 funds released to the borrower, the borrower's loan success at this time.

[55] For the first loan initiator, the deposit of 100,000 in the bank are not lent to the borrower by the bank, but simply frozen by the bank. The 100,000 deposits are still in the loan party's account and belong to the loan party. As a result, the risk is greatly reduced and the additional benefits may also be gained because the 100,000 deposit still belongs to himself. For the borrower, it borrows from the lender instead of borrowing from the bank, but the actual amount comes from the bank and the payment is still returned to the bank.
Based on the bank's solid strength and counter-force, it will strengthen self-discipline to complete the entire lending process with the lender, it also further reduces the lender's risk and also facilitates the borrower's borrowing process as the bank's strength makes the borrowing process smoother. For the banks, the borrowed 100,000 funds borrowed by the initiate borrower were frozen 100,000 as a guarantee of storage, the risk is not borne by the bank, and because of its solid strength and counter-force, and it can guarantee the smooth completion of the loan process to some extent. After the borrowing is successfully completed, it can increase potential customers and obtain more information of the customer, and gain the additional benefits due to the whole loan process.

[56] In the aforesaid method, the Second and Third Participant apply to the first Funds-Management server for issuing the credit certificate when receiving the loan request of the First Participant, and the first Funds-Management server freezes the corresponding funds. The second Funds-Management server issues the frozen funds to the First Participant based on the credit certificate. As a result, the Funds-Management server is used as an intermediary platform for the three parties, the Second and Third Participant guarantee the first Funds-Management server, and the associated second Funds-Management server issues a loan to the First Participant to facilitate the First Participant to apply loan online. In addition, the second Funds-Management server monitors the repayment date of the First Participant, thereby reducing the loan risk of the loan initiator.

[57] Please refer to Figure 4, it is a schematic flowchart of a lending method in a third example of the present invention. The method flow shown in this example includes:

[58] Step S20, the first Funds-Management server receives the Second and Third Participant's application for opening the credit certificate according to the loan request of the First Participant.

[59] Step S21, an application corresponding to the credit certificate is opened to generate the corresponding first credit certificate and second credit certificate, and then the first fund in the Second Participant equal to the loan amount of the first credit certificate is frozen; the second fund of the Third Participant equal to a loan amount of the second credit certificate is frozen.

[60] This letter of credit is a Bank Credit Certificate, opened for the loan initiator with his bank account funds or credit lines as a guarantee, and the bank promises to process payment and settlement of electronic credit certificates in accordance with the terms of the settlement.
Bank (seller) to download the access interface to sell Bank Credit Certificate, loan initiator (buyer) for the issuance of Bank Credit Certificate, and by the bank to collect and fulfil the contract, submitted to pay the solution, the final automatic payment of silver letters due.
Bank Credit Certificate can be used not only for the purchase of goods, but also for collateral. For example, an individual may issue a letter of credit to a bank as a guarantee for the loan to others.

[61] Step S22, send the first credit certificate and the second credit certificate to a second Funds-Management server, so that after receiving the first credit certificate and the second credit certificate, the second Funds-Management server issues the funds equal to the first funds to the First Participant and the funds equal to the second funds.

[62] Wherein the second Funds-Management server sets the repayment time of the issued funds and monitors the repayment date of the First Participant.

[63] The first Funds-Management server is an account management server of the Second and Third Participant, and the second Funds-Management server is an account management server of the First Participant.

[64] In the present example, the first Funds-Management server is the first bank's Funds-Management server, and the second Funds-Management server is the second bank's Funds-Management server. The frozen fund is a deposit of the Second and Third Participant in the first Funds-Management server or a credit limit given by the first Funds-Management server to the Second and Third Participant, or the Second and Third Participant mortgages the real estate to the first Funds-Management server.

[65] In other examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.

[66] In the method of the present invention, the First Participant is a borrower, and the Second and Third Participant is a loan initiator.

[67] Referring to Figure 5, it is a schematic flowchart of an online lending method in a fourth example of the present invention. The method flow shown in this example includes:

[68] Step S30, the second Funds-Management server receives the first credit certificate and the second credit certificate. Wherein the first credit certificate and the second credit certificate are generated by the first Funds-Management server by receiving the credit application opening request submitted by the Second and Third Participant according to the first loan request of the First Participant.

[69] Step S31, issue the funds equal to the first funds to the First Participant and the funds equal to the second funds.

[70] Wherein the second Funds-Management server sets the repayment time of the issued funds and monitors the repayment date of the First Participant.

[71] The first Funds-Management server is an account management server of the Second and Third Participant, and the second Funds-Management server is an account management server of the First Participant.

[72] In the present example, the first Funds-Management server is the first bank's Funds-Management server, and the second Funds-Management server is the second bank's Funds-Management server. The frozen fund is a deposit of the Second and Third Participant in the first Funds-Management server or a credit limit given by the first Funds-Management server to the Second and Third Participant, or the Second and Third Participant mortgages the real estate to the first Funds-Management server.

[73] In other examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.

[74] In the method of the present invention, the First Participant is a borrower, and the Second and Third Participant is a loan initiator.

[75] Please refer to Figure 6, it is a schematic flowchart of a data interaction processing method according to a first example of the present invention. Please see Figure 7 at the same time, the data interaction relationship diagram. The method flow shown in this example includes:

[76] Step S40, this data requester is used to initiate a first data request that needs to add a first data value to its data unit.

[77] Specifically, the data requester initiates a data request of the first data through the First Server platform.

[78] Step S41, the first data initiator and the second data initiator receive the first data request respectively, and submits the data certificate opening application to the First Service Party.

[79] Specifically, the first data initiator and the second data initiator open a data certificate opening application through the Second Service Party platform.

[80] Wherein, the First Server platform and the Second Server platform can be the same server platform or different server platforms.

[81] Further, the First Server platform and the Second Server platform can be an e-commerce platform, and the data requester may also access the e-commerce platform through an application installed in the smart terminal to initiate the initiation of the data request. The first data initiator and the second data initiator respond to the data request through the e-commerce platform to open the data certificate.

[82] Step S42, the First Service Party opens an application to generate a corresponding first data certificate and a second data certificate according to the data certificate, and locks, in the data unit of the first data initiating party, the first data certificate represented by the first data certificate , and locking the second data in the data unit of the second data initiator equal to the data value represented by the second data certificate and sending the first data certificate and the second data certificate to Second Service Party.

[83] Step S43, the Second Service Party receives the first data certificate and the second data certificate, adds the data value that is equal to the data size of the first data and adds the data value that is equal to the data size of the second data in the data unit of the data requester. Wherein the Second Service Party is set to add data values equal to the data size of the sum of the first data and the second data to the data unit in the Second Service Party within a scheduled time.

[84] The data interaction processing method in the example of the present invention is described below by way of example.

[85] For example, the data requester is User A, the data initiator is User Bl, and the second data initiator is User B2. User Bl, B2 is an administrator for more than one client and has a corresponding password for each client for administrator privileges. Clients can be personal computers, tablets, smart phones and other devices that can exchange data with servers through the network. User A initiates, through the First Server platform, a data request that needs first data, where the first data is a password for requesting administrator rights of the Client 2.

[86] When receiving the data request, the User Bl, B2 requests the First Service Party to open the first data certificate and the second data certificate through the Second Server platform.
Wherein, User Bl, B2's administrator password is saved in the Second Service Party, and for each client, the corresponding administrator privileges have different levels of importance. For example, Client 1 is a corporate server, Client 2 is a tablet, Client 3 is a personal computer, Client 4 is a mobile phone, and Client 5 is a smart TV.
Therefore, you need to set the importance level of the client's administrator privileges from high to low:
Client 1, Client 3, Client 2, Client 4, Client 5. When User Bl, B2 agrees to give the administrator rights of Client 2 to User A, the corresponding data certificate is provided to the First Service Party. The data certificate may be an operation log when the User Bl, B2 manages the Client 2, so as to prove the security and reliability of the User Bl, B2.

[87] When the First Service Party receives the data certificate submitted by the User Bl, B2, the First Service Party blocks the administrator right of the User Bl, B2 on the Client 2 according to the relevant contents of the data certificate, that is, the User Bl, B2 can not use the corresponding password to manage the Client 2. At the same time, the Second Service Party sends two passwords of the administrator's right of the Client 2 to the User A

according to the data certificate sent by the First Service Party. And, the Second Service Party can set the time when User A returns the administrator authority of Client 2 for two passwords, and time for returning the two passwords can be the same or different. For example, the Second Service Party provider setts User A needs to return the administrator right of Client 2 to User B1 within a month, and return the administrator right of Client 2 to User B2 within four months.

[88] When User A returns the administrator right of corresponding client to the Second Service Party within the specified time, the First Service Party unfreezes User Bl, B2 to administrator right of Client 2, and User A can no longer manage Client 2 using the corresponding password. When User A does not return the administrator authority of client to the Second Service Party at the specified time, the Second Service Party sends a notification to User A to prompt him to return the administrator's rights. If the Second Service Party does not receive the administrator rights of the client returned by the User A
over a certain period of time, the User B1, B2's administrator rights on the Client 2 are completely cancelled.

[89] In the above, when the User Bl, B2 (data initiator) receives a request from the User A (data requester) for obtaining the administrator authority password of the corresponding client, the First Service Party notifies the Second Service Party according to the data certificate submitted by the User Bl, B2 sends client's password to User A. On the one hand, User Bl, B2 gives the administrator authority to User A through the server for risk control, and User Bl, B2's data certificate is required as a guarantee that administrator rights will not be arbitrarily transferred. On the other hand, when User A returns or fails to return the administrator rights on time, the server can notify User A to promptly return or cancel the User Bl, B2's administrator rights so as to ensure that the client has only one administrator's authority so as not to cause the client's data Management confusion, and avoid the risk of client data security issues.

[90] Further, the requested data may also be text data, audio data, video data, program data or financial data in the financial field. In the case of financial data, for an example, funds, the data requester is the borrower at this time, the data initiator is the lender of the loan, and the server is the Funds-Management server, for example, a bank. If it is audio data, such as a song, the data requester and the data initiator may be clients with multimedia playing functions such as mobile phones, and the server is a music website server.

[91] Please refer to Figure 8, it is a data interaction processing method according to the second example of the present invention, the method and process including:

[92] Step S50, the First Service Party receives the data certificate submitted by the first data initiator and the second data initiator according to the first data request of the data requester and opens the application. The first data request is initiated by the data requester and needs to add the first data to the data unit thereof the value request.

[93] Specifically, the data requester initiates a first data request through the First Server platform. The first data initiator and the second data initiator apply to the server through the Second Server platform for opening a data certificate.

[94] Wherein, the First Server platform and the Second Server platform can be the same server platform or different server platforms.

[95] Further, the First Server platform and the Second Server platform can be an e-commerce platform, and the data requesting party may also access the e-commerce platform through an application installed in the smart terminal to initiate the initiation of the data request.
The data initiator responds to the data request through the e-commerce platform to open the data certificate.

[96] Step S51: Generate a corresponding first data certificate and a second data certificate according to the data certificate opening application, and lock the data unit in the first data initiator equal to the data value represented by the first data certificate First data, and second data that is locked in the data unit of the second data initiator equal to a data value represented by the second data certificate.

[97] Step S52, send the first data certificate and the second data certificate to the Second Service Party, after the Second Service Party receives the first data certificate and the second certificate, the Second Service Party adds the data value equal to the first data size to the data requester data unit and adds the data value equal to the second data size.
Wherein the Second Service Party is set to add data values equal to the data size of the sum of the first data and the second data to the data unit in the Second Service Party within a scheduled time.

[98] Please refer to Figure 9, it is a data interaction processing method according to a third example of the present invention. The method and process shown in this example includes:

[99] Step S60, the Second Service Party receives the first data certificate and the second data certificate. Wherein the first data certificate is generated by the First Service Party after receiving the data certificate open application submitted by the first data initiator according to the first data request; the second data certificate is generated by the First Service Party after receiving the data certificate open application submitted by the second data initiator according to the first data request; the first data request is initiated by the data requester and needs to add the first data value to the data unit.

[100] Step S61, adds the data value equal to the data size of the first data and the second data to the data requester data unit respectively. Wherein the Second Service Party is set to add data values equal to the data size of the sum of the first data and the second data to the data unit in the Second Service Party within a scheduled time.

[101] Please refer to Figure 10 and 11, it is a schematic diagram of a data interaction processing system according to an example of the present invention. The System 70 shown in this example includes a data requesting Terminal 71, a first data initiating Terminal 72, a second data initiating Terminal 73, a First Server 74, and a Second Server 75.

[102] This data request Terminal 71 is used to initiate a first data request that needs to add a first data value to its data unit.

[103] The first data initiating Terminal 72 is configured to receive the data request from the data requester, and submit the data certificate open application.

[104] The second data initiating Terminal 73 is configured to receive the first data request and submit a first data certificate opening application.

[105] Wherein, the data request Terminal 71 initiates a first data request of the first data through the First Server platform.

[106] The first data initiating Terminal 72 and the second data initiating Terminal 73 are configured to receive the first data request from the data requester, and submit the data certificate open application to the server respectively.

[107] Specifically, the first data initiating Terminal 72 and the second data initiating Terminal 73 open the data certificate to the First Server 74 through the Second Server platform.

[108] Wherein, the First Server platform and the Second Server platform can be the same server platform or different server platforms.

[109] Further, the First Server platform and the Second Server platform can be an e-commerce platform, and the data requesting Terminal 71 may also access the e-commerce platform through an application installed in the smart terminal to initiate the initiation of the data request. The first data initiating Terminal 72 and the second data initiating Terminal 73 respond to the data request through the e-commerce platform to open the data certificate.

[110] The First Server 74 is configured to generate a corresponding first data certificate and a second data certificate according to the first data certificate open application and a second data certificate open request, and lock the data of the first data origination Terminal 72 First data that is equal to the data value represented by the first data certificate and second data that is equal to the data value represented by the second data certificate among the data cells that lock the second data origination Terminal 73.

[111] The Second Server 75 is used to receive the first data certificate and the second data certificate, and adds a data value equal to the first data size and the second data size to the data unit of the data requesting Terminal 71 respectively. Wherein the Second Server 75 is set to add data values equal to the first data size and the second data size to the data unit in the Second Server 75 within a scheduled time.

[112] Please refer to Figure 12, which is a data interaction processing device according to a first example of the present invention. The data interaction processing Device 80 shown in this example includes a receiving module 81, a processing module 82, and a releasing module 83. In the present example, the Device 80 operates in a banking system.

[113] The receiving module 81 is configured to receive an application for opening the data certificate submitted by the first data initiating terminal and the second data initiating terminal respectively according to the first data request. The first data request is initiated by the data requesting terminal and needs to add the first data value to the data unit.

[114] Specifically, the data certificate receiving module 81 receives the data certificate opened by the first data initiator terminal through a server platform.

[115] The processing module 82 is configured to generate a corresponding first data certificate and a second data certificate according to the data certificate opening application, lock the first data in the data unit of the first data initiating terminal with the data represented by the first data certificate, and the first data having the same value with the data value represented by the first data certificate, and lock the second data in the data unit of the second data initiating terminal with the data represented by the second data certificate, and the second data having the same value with the data value represented by the second data certificate

[116] The issuing module 83 is used to send the first data certificate and the second data certificate to the Second Server, after the Second Server receives the first data certificate and the second data certificate, adds the data value equal to the first data size and the second data size to the data requester data unit respectively. Wherein the Second Server is set to add data values equal to the sum of the first data and the second data to the data unit in the Second Server within a scheduled time.

[117] Please refer to Figure 13, it is a data interaction processing apparatus according to a second example of the present invention. The data interaction processing apparatus 90 shown in this example includes a receiving module 91 and an issuing module 92. In the present example, the Device 90 operates in a banking system.

[118] The receiving module 91 is configured to receive the first data certificate and the second data certificate. Wherein, the First Server receives the first data request of the first data initiating terminal, according to the data of the first data request, raises the data certificate and open an application to generate the first data certificate; the First Server receives the first data request of the second data initiating terminal, according to the data of the first data request, raises the data certificate and open an application to generate the second data certificate; the first data request is initiated by the data requesting terminal, and shall add the request of the first data value in its data unit.

[119] The issuing module 92 is used to add a data value equal to the first data size and the second data size to the data requesting terminal data unit. Wherein the Second Server is set to add data values equal to the sum of the first data and the second data to the data unit in the Second Server within a scheduled time.

[120] In the data interaction processing method, the data interaction system, and the data processing device provided by the present invention, when a first data initiator and a second data initiator initiate a data request that needs to add a value to a data unit thereof after receiving a data request, the First Service Party opens the data certificate according to the request of the data initiator and locks the corresponding first data and second data so that the Second Service Party adds the value of the first data and the second data to the data requester according to the data certificate and requests the data requester adds the value of the first data and the second data to the Second Service Party data unit within a predetermined time. Therefore, during the process of data exchange, the First and the Second Service Party are added into the interaction process. After the data initiator sends the server for credit guarantee, the server becomes the actual data issuer, so that the data interaction is more conveniently and safely handled.

[121] In the above examples, the present invention has been exemplary described only, but various modifications to the present invention can be made by those skilled in the area after reading this patent application without departing from the spirit and scope of the present invention.

Claims (35)

Claims:

1. A data interaction processing system for online lending, the system for more conveniently and safely performing online lending and reducing the financial risk to lenders in online lending transactions, the system comprising:
a data requesting terminal comprising at least one processor and a memory in communication with the at least one processor, the memory storing computer-executable instructions which when executed by the at least one processor cause the data requesting terminal to:
initiate a first data request to add a first data value to a data unit;
a first data initiating terminal comprising at least one processor and a memory in communication with the at least one processor, the memory storing computer-executable instructions which when executed by the at least one processor cause the first data initiating terminal to:
receive the first data request of the data requesting terminal; and submit a first data certificate application;
a second data initiating terminal comprising at least one processor and a memory in communication with the at least one processor, the memory storing computer-executable instructions which when executed by the at least one processor cause the second data initiating terminal to:
receive the first data request of the data requesting terminal; and submit a second data certificate application;

Date Recue/Date Received 2020-1 2-2 1 a first server platform comprising at least one processor and a memory in communication with the at least one processor, the memory storing computer-executable instructions which when executed by the at least one processor cause the first server platform to:
generate a first data certificate and a second data certificate according to the first data certificate application submitted by the first data initiating terminal and the second data certificate application submitted by the second data initiating terminal, respectively; and lock first data equal to the first data value of the first data certificate in the first data initiating terminal's data unit and second data equal to a second data value of the second data certificate in the second initiating terminal's data unit, such that the locked first data and locked second data are still in the first data initiating terminal's data unit and the second initiating terminal's data unit, respectively;
a second server platform comprising at least one processor and a memory in communication with the at least one processor, the memory storing computer-executable instructions which when executed by the at least one processor cause the second server platform to:
add an equal data value to the first data value and an equal data value to the second data value in the first data requesting terminal's data unit after receiving the first data certificate and the second data certificate; and set a predetermined time for the first data requesting terminal to add the sum of an equal data value to the first data value and an equal data value to the second data value to a second server platform's data unit within the predetermined time.

2. The system of claim 1, wherein the first data request is initiated by the data requesting terminal through the first server platform.

Date Recue/Date Received 2020-1 2-2 1

3. The system of any one of claims 1 to 2, wherein the first data certificate is generated by the first data initiating terminal through the second server platform.

4. The system of any one of claims 1 to 3, wherein the second data certificate is generated by the second data initiating terminal through the second server platform.

5. The system of any one of claims 1 to 4, wherein the first server platform and the second server platform are the same server platform.

6. The system of any one of claims 1 to 4, wherein the first server platform and the second server platform are different server platforms.

7. The system of any one of claims 1 to 6, wherein the first server platform and the second server platform both are electronic commerce platforms.

8. The system of claim 7, the first data requesting terminal accesses to the electronic commerce platform through an application installed in a smart terminal to initiate the first data request.

9. The system of any one of claims 1 to 8, wherein the data in the data request refers to financial data in a financial field.

10. A data interaction processing device for online lending, the device for more conveniently and safely performing online lending and reducing the financial risk to lenders in online lending transactions, the device comprising:
at least one processor;
a memory in communication with the at least one processor, the memory storing computer-executable instructions which when executed by the at least one processor cause the data interaction processing device to to:
Date Recue/Date Received 2020-1 2-2 1 receive a first data certificate application submitted by a first data initiating terminal and a second data certificate application submitted by a second data initiating terminal according to a first data request with a first data value initiated in a first data requester's data unit;
generate a first data certificate and a second data certificate according to the first data certificate application and the second data certificate application, respectively; and lock first data equal to the first data value of the first data certificate in the first data initiating terminal and second data equal to a second data value of the second data certificate in the second initiating terminal according to the first data certificate and the second data certificate, such that the locked first data and locked second data are still in the first initiating terminal and the second initiating terminal, respectively; and send the first data certificate and the second data certificate to a second server platform, wherein the second server platform is configured to act as the actual data issuer by issuing data to the first data requester's data unit according to the first and second data certificates, thereby improving convenience and safety of the online lending process.

11. The device of claim 10, wherein the first data request is initiated by the data requester through the first server platform.

12. The device of any one of claims 10 to 11, wherein the first data certificate is generated by the first data initiator through the second server platform.

13. The device of any one of claims 10 to 12, wherein the second data certificate is generated by the second data initiator through the second server platform.

Date Recue/Date Received 2020-1 2-2 1

14. The device of any one of claims 10 to 13, wherein the first server platform and the second server platform are the same server platform.

15. The device of any one of claims 10 to 13, wherein the first server platform and the second server platform are different server platforms.

16. The device of any one of claims 10 to 15, wherein the first server platform and the second server platform both are electronic commerce platforms.

17. The device of any one of claims 10 to 16, wherein the data in the data request refers to financial data in a financial field.

18. The device of any one of claims 10 to 17, wherein device is operated in a banking system.

19. A data interaction processing device for online lending, the device for more conveniently and safely performing online lending and reducing the financial risk to lenders in online lending transactions, the device comprising:
at least one processor;
a memory in communication with the at least one processor, the memory storing computer-executable instructions which when executed by the at least one processor cause the data interaction processing device to:

Date Recue/Date Received 2020-1 2-2 1 receive a first data certificate and a second data certificate, the first data certificate including a first data value and the second data certificate including a second data value, the first data value equal to first data locked in a first data initiating terminal according to the first data certificate and the second data value equal to second data locked in a second data initiating terminal according to the second data certificate, wherein the locked first data and locked second data are still in the first data initiator and the second data initiator, respectively;
and add an equal data value to the first data value and an equal data value to the second data value to a first data requester's data unit.

20. The device of claim 19, wherein the first data certificate is generated by a first server platform according to a first data certificate application submitted by a first data initiator on a basis of a first data request with the first data value initiated in a first data requester's data unit.

21. The device of any one of claims 19 to 20, wherein the second data certificate is generated by a first server platform according to a second data certificate application submitted by a second data initiator on a basis of the first data request with a second data value initiated in the first data requester's data unit.

22. The device of any one of claims 20 to 21, wherein the first data request is the request initiated by a first data requester to add the first data value to in the first data requester's data unit.

23. The device of any one of claims 19 to 22, wherein the first data is locked in the data unit of the first data initiator by a first server platform equal to the first data value request by the first data requester.

Date Recue/Date Received 2020-1 2-2 1

24. The device of any one of claims 19 to 23, wherein the second data is locked in the data unit of the second data initiator by a first server platform equal to the second data value request by the first data requester.

25. The device of any one of claims 19 to 24, wherein device is operated in a banking system.

26. The device of any one of claims 19 to 25, wherein the first data request is initiated by the first data requester through the first server platform.

27. The device of any one of claims 19 to 26, wherein the first data certificate is generated by the first data initiator through the second server platform.

28. The device of any one of claims 19 to 27, wherein the second data certificate is generated by the second data initiator through the second server platform.

29. The device of any one of claims 19 to 28, wherein the first server platform and the second server platform are the same server platform.

30. The device of any one of claims 19 to 28, wherein the first server platform and the second server platform are different server platforms.

31. The device of any one of claims 19 to 30, wherein the first server platform and the second server platform both are electronic commerce platforms.

32. The device of claim 31, wherein the first data requester accesses to the electronic commerce platform through an application installed in a smart terminal to initiate the first data request.

33. The device of any one of claims 31 to 32, wherein the first data initiator responds to the data request through the electronic commerce platform to generate the first data certificate.

Date Recue/Date Received 2020-1 2-2 1

34. The device of any one of claims 31 to 33, wherein the second data initiator responds to the data request through the electronic commerce platform to generate the second data certificate.

35. The device of any one of claims 19 to 34, wherein the data in the data request refers to financial data in a financial field.
Date Recue/Date Received 2020-1 2-2 1