CA2987677A1 - Lending method, and data interaction procesing method, device and system - Google Patents

Abstract

Disclosed are a lending method, and a data interaction processing method, device and system. The lending method comprises: first and second participants respectively apply to a first funds management server to open first and second electronic commitment payment certificates according to a borrowing request of a third participant, the total value of the first and second electronic commitment payment certificates being less than a loan value requested by the third participant; the first funds management server freezes funds of the first and second participants which are equal to the value of the electronic commitment payment certificates, grants funds to the third participant which are equal to the value of the frozen funds via a second funds management server, and grants third funds to the third participant according to a remainder borrowing request initiated by the third participant, the total value of the first, second and third funds being equal to a borrowing value of the borrowing request, and set by the second funds management server to be returned within a preset time. The present invention reduces the lending risk for a lender.

Description

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

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

[3] [Background Technology]

[4] With the 2G / 3G and even the 4G era is coming, as well as the widespread of WiFi hotspot, it marks the advent of the era of big data today. All the user's daily behaviour can theoretically achieve processing a variety of data by means of the network constructed by mobile data network provided by major operators, wireless local area networks such as WiFi and Internet technology. Therefore, the network environment has advantages over the offline in the real world in terms of user-friendliness, but how to use the network to guarantee data interaction and reduce risks, there is no effective solution.

[5] Take a user processing the data in his daily life as an example, when a user applies for a loan, a loan may be directly borrowed between an individual and individual or an individual borrows from a bank. However, the borrowing activity between individuals and individuals is usually agreed by the borrower and the lender through the oral or written agreement. After the borrower provides the borrower's assets, due to the lack of financial guarantee and regulatory mechanism, it have brought great risk to the lender.
And the problems of the loan activity between individuals and banks are complex process of collecting individual information, more manual intervention and banks also need to bear the financial risk. Therefore, it is need to provide a new borrowing method and data interaction processing mechanism to meet users' needs for online borrowing.

[6] [Summary of the Invention]

[7] The main technical problem of the invention is to provide a borrowing method, a data interaction processing method, an apparatus and a system, which can reduce the risk of data interaction (loan).

[8] In order to solve the above technical problems, a technical solution adopted in this invention is to provide a lending method, including: the First Participant and Second Participant respectively according to the borrowing request of Third Participant apply opening the first electronic commitment payment certificate and second electronic commitment payment certificate to First Funds-Management sever; wherein, the total value of first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the borrowing value of the Third Participant.
And the first electronic commitment payment certificate is based on the funds account or credit limit of the First Participant as the guarantee to apply to the first Funds-Management server and was opened by the first Funds-Management server, the second electronic commitment payment certificate is based on the funds account or credit limit of the Second Participant as the guarantee to apply to the first Funds-Management server and was opened by the first Funds-Management server; the first Funds-Management server based on its opened first electronic commitment payment certificate and second electronic commitment payment certificate freezes the first funds of the First Participant which equal to the first electronic commitment payment certificate, and freezes the second funds of Second Participant which equal to the second electronic commitment payment certificate; the second Funds-Management server receives the first electronic commitment payment certificate opened by the first Funds-Management server and delivers to the Third Participant the funds which equal to the total value of the first electronic commitment payment certificate and second electronic commitment payment certificate; and the second Funds-Management server based on the remaining loan initiated by the Third Participant to deliver the third funds to the Third Participant; wherein, the total value of the first, second and third funds is equal to the borrowing value of the borrowing request, and the first, second and third funds is set by the second Funds-Management server to return within the scheduled time.

[9] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a borrowing method, including: the first Funds-Management server respectively receives that the First Participant and Second Participant based on the received borrowing request of the Third Participant and apply to the first electronic commitment payment certificate and second electronic commitment payment certificate;
wherein, the total value of the first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the requested borrowing value of Third Participant, the first electronic commitment payment certificate is opened by the first Funds-Management server and the First Participant used its account funds or credit limit as the guarantee to apply to the first Funds-Management server, the second electronic commitment payment certificate is opened by the first Funds-Management server and the Second Participant used its account funds or credit limit as the guarantee to apply to the first Funds-Management server; based on the first electronic commitment payment certificate and second electronic commitment payment certificate, freezes the first funds of First Participant which equal to the value of the first electronic commitment payment certificate, and freezes the second funds of Second Participant which equal to the value of the second electronic commitment payment certificate; deliver the first electronic commitment payment certificate and second electronic commitment payment certificate to the second Funds-Management server, making the second Funds-Management server deliver the funds which equal to the total value of the first Funds-Management server and second Funds-Management server; wherein, the delivered funds is set by the second Funds-Management server to return within the schedule time.

[10] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a lending method, where the method including:
the second Funds-Management server receives that first Funds-Management server respectively based on the application of First Participant and Second Participant and opens the first electronic commitment payment certificate and second electronic commitment payment certificate;
wherein, the application is delivered by the borrowing request of the Second Participant and Third Participant and sent to the first Funds-Management server, the total value of first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the borrowing value of the request of Third Participant, and the first electronic commitment payment certificate is opened by the first Funds-Management server and the First Participant used its account funds or credit limit as the guarantee to apply to the first Funds-Management server, the second electronic commitment payment certificate is opened by the first Funds-Management server and the Second Participant used its account funds or credit limit as the guarantee to apply to the first Funds-Management server; delivers to the funds which equal to total value of the first electronic commitment payment certificate and second electronic commitment payment certificate to the Third Participant; and based on the remaining loan request of Third Participant, deliver the third funds to the Third Participant; wherein, the total value of the first, second and third funds is equal to the loan value of the borrowing request, and the first, second and third funds are set by the second Funds-Management server to return within the schedule time.

[11] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing method, where the method including: the first data initiator and second data initiator based on the request of the data requester respectively apply to the First Service Party adding the data of the first data value to its data unit, and the First Service Party opens the corresponding first data certificate and second data certificate; wherein, the sum of the data value represented by first data certificate and second data certificate is less than the first data value; the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party; the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party; the First Service Party based on the opened first data certificate locks the first part data which equal to the data value represented by the first data certificate in the data unit of the first data, and based on the opened second data certificate locks the second part data which equal to the data value represented by the second data certificate in the data unit of the second data; the Second Service Party receives the first data certificate and second certificate opened by the First Service Party, and adds the data value which equal to the data in the first and second part in the data unit of the data initiator; and the Second Service Party based on the data initiator add the data requester of the data value which equal to the data in the third part, and add the data value which equal to the data in the third part to the data unit of the data initiator; wherein, the total value of first, second and third part is the first data value.

[12] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing system, where the system including: the data requesting terminal is used to initiate the first data value of the first data to its data unit; the first data initiating terminal is used to initiate the data certificate based on the first data requester; the first server is used to base on the application of first data initiating terminal and second data initiating terminal open the first data certificate and second data certificate, based on its opened first data certificate locks the first part data which equal to the data value of represented first data value in the data unit of first data initiating terminal, and based on its opened second data certificate locks the second part data which equal to the data value of represented second data value in the data unit of second data initiating terminal; wherein, the total value of the first data certificate and second data certificate is less than first data value; the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiating terminal and the First Sever terminal, the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiating terminal and the second sever terminal; the second server terminal is used to receive the first data certificate and second certificate opened by the first server, and add the data value which equal to the total value of the data value in the first part data and second part data to the data unit of the data initiating terminal; and based on the data initiating terminal adds the data requester which equal to the data value in the third part data, and add the data value which equal to the data value in the third part data to the data unit of data initiating terminal; wherein, the sum of the first, second and third part data value is the first data value.

[13] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing method, where the method including: the first service part respectively based on the first data initiator and second data initiator receives that the data requester initiates to add the first data value to its data unit and opens the corresponding first data certificate and second data certificate; wherein, the sum of the data value represented by the first data certificate and second data certificate is less than the first data; the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the Second Service Party, based on the opened first data certificate locks the first part data which equal to the data value represented by the first data certificate in the data unit of the first data, and based on the opened second data certificate locks the second part data which equal to the data value represented by the second data certificate in the data unit of the second data; and delivers the first data certificate and second data certificate to the Second Service Party, making the Second Service Party add data value which equal to the total value in the first and second part of the data requesting party data unit; wherein, the second party is set within the schedule time that the data initiator shall add the data value which equal to the first part data to the data unit of the Second Service Party.

[14] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing device, where the device including: data certificate opening module respectively based on the first data initiator and second data initiator receives that the data requester initiates to add the first data value to its data unit and opens the corresponding first data certificate and second data certificate;
wherein, the sum of the data value represented by the first data certificate and second data certificate is less than the first data; the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party; the processing module is based on the opened first data certificate locks the first part data which equal to the data value represented by the first data certificate in the data unit of the first data, and based on the opened second data certificate locks the second part data which equal to the data value represented by the second data certificate in the data unit of the second data; and delivery module is used to deliver the first data certificate and second data certificate to the Second Service Party, making the Second Service Party add data value which equal to the total value in the first and second part of the data requesting party data unit; wherein, the second party is set within the schedule time that the data initiator shall add the data value which equal to the first part data to the data unit of the Second Service Party.

[15] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes: the Second Service Party receives that the First Service Party based on application of the first data initiator and second data initiator and opens the corresponding first data certificate and second data certificate; wherein, the request is the first data initiator and second data initiator receives the data requester initiating the request to its data unit to add the data request of the first data value, the total value of the data value represented by first data certificate and second data certificate is less than first data value, the first data certificate is a quantitative tool for the pre-established data association relationship between the first data initiator and the First Service Party; add the data value which equal to the total data value of the first part data and second part data to data unit of data requester; and based on the data requesting terminal add the data request of the data value which equal to the data in the third part to the data requesting terminal, add the data value which equal to the data in the third part to data unit of data requesting terminal;
wherein, the total data value of the first, second and third part is the first data value; the second sever is set that the data initiator shall add the data value which equal to the first data value to data unit of the second server.

[16] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes: the Second Service Party receives that the First Service Party based on application of the first data initiator and second data initiator and opens the corresponding first data certificate and second data certificate; wherein, the request is the first data initiator and second data initiator receives the data requester initiating the request to its data unit to add the data request of the first data value, the total value of the data value represented by first data certificate and second data certificate is less than first data value, the first data certificate is a quantitative tool for the pre-established data association relationship between the first data initiator and the First Service Party; add the data value which equal to the total data value of the first part data and second part data to data unit of data requester; and based on the data requesting terminal add the data request of the data value which equal to the data in the third part to the data requesting terminal, add the data value which equal to the data in the third part to data unit of data requesting terminal;
wherein, the total data value of the first, second and third part is the first data value; the second sever is set that the data initiator shall add the data value which equal to the first data value to data unit of the second server.

[17] In the above scheme, during the data interaction process, since the service party is added to the data initiator (loan requester) and the data requestor (borrower), and the relationship between data initiator and the service party, the service party and the data requestor are established, it provides data monitoring and data feedback for the data interaction between the data initiator and the data requestor so as to improve data security and data exchange stability.

[18] [Brief Description]

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

[20] Figure 2 is a schematic flowchart of a lending method in a second example of the present invention;

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

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

[23] Figure 5 is a schematic flow chart of a data interaction processing method in a first example of the present invention;

[24] Figure 6 is a schematic flowchart of a data interaction processing in a second example of the present invention;

[25] Figure 7 is a schematic flowchart of a data interaction processing method in a third example of the present invention;

[26] Figure 8 is a schematic structural diagram of a data interaction processing system in an example of the present invention;

[27] Figure 9 is a schematic structural diagram of a data interaction processing device in a first example of the present invention;

[28] Figure 10 is a schematic structural diagram of a data interaction processing device in a second example of the present invention.

[29] [Description of the Preferred Examples]

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

[31] Referring to Figure 1, it is a schematic flowchart of a borrowing method according to a first example of the present invention. The method flow shown in this example includes the following steps:

[32] Step S10, the First Participant and Second Participant applies to the first Funds-Management server for opening the corresponding first electronic commitment payment certificate and second electronic commitment payment certificate according to the borrowing request of the Second Participant and Third Participant

[33] Wherein the sum of the first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the value of the borrowing requested by the Third Participant, and the first electronic commitment certificate is opened by the first Funds-Management server and the First Participant used its account funds and credit limit as the guarantee to apply to the first Funds-Management server, the second electronic commitment certificate is opened by the first funds-Management server and the Second Participant used its account funds and credit limit as the guarantee to apply to the first Funds-Management server.

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

[35] Please refer to Figure 2, further, step S10, that is, the First Participant and Second Participant applies to the Funds-Management server for opening the first electronic commitment payment certificate and second electronic commitment payment certificate according to the borrowing request of the Third Participant, the following steps are as followed:

[36] Step SlOa, the Third Participant initiates the borrowing request through a server platform.

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

[38] Step S10b, the First Participant and Second Participant respectively receives the borrowing request, and applies to the first Funds-Management server according to the borrowing request, and opens the first electronic commitment payment certificate and second electronic commitment payment certificate by the first Funds-Management server.

[39] The first loan initiator and second loan initiator can also visit the server platform to find and receive the borrowing request of the borrower. Further, the first loan initiator and second loan initiator can check loan requests initiated by a several borrowers through the server platform, and select a suitable request to receive.

[40] Step S11, the first Funds-Management server, based on its opened first electronic commitment payment certificate and the second electronic commitment payment certificate, freezes the first funds which equal to the first electronic commitment payment certificate of the First Participant, and freezes the second funds which equal to the second electronic commitment payment certificate of the Second Participant.

[41] The frozen fund is respectively a deposit of the First and Second Participant in the first Funds-Management server or a credit limit given by the first Funds-Management server to the First and Second Participant, or the First and Second Participant mortgage the real estate to the first Funds-Management server.

[42] Step S12, the second Funds-Management server receives the electronic commitment payment certificate opened by the first Funds-Management server and issues the funds which equal to the total value of the first electronic commitment payment certificate and second electronic commitment payment certificate to the Third Participant.

[43] In the present example, the first Funds-Management server is a first bank Funds-Management server, and the second Funds-Management server is a Funds-Management server of a second bank.

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

[45] Step S13, the second Funds-Management server issues a third fund to the Third Participant according to the remaining borrowing request initiated by the third party.
Wherein the sum of the value of the first, second and third funds is equal to the borrowing value of the borrowing request, and first, second third funds are set up by the second Funds-Management server to be returned within a schedule time.

[46] Further, the second Funds-Management server also performs credit evaluation on the Third Participant before issuing the third fund to the Third Participant, and issues the third fund when the third fund is approved.

[47] For example, the borrower issues a borrowing request for lending 100,000. After receiving the loan request, the first loan initiator and the second loan initiator respectively apply to the first bank for opening the first electronic commitment payment certificate and second electronic commitment payment certificate. Wherein, the value of first electronic commitment payment certificate is 20,000, the value of second electronic commitment payment certificate is 60,000. That is, the total value of the first electronic commitment certificate and the second electronic commitment certificate is less than 100,000. The first bank freezes the funds of the loan initiator in this first bank, wherein, the value of the frozen funds is equal to the total value of first and second electronic commitment payment certificate. For example, freezing 20,000 of the first loan initiator in bank deposits and 60,000 of the second loan initiator in bank deposits as a guarantee for the loan initiator.
The second bank then receives the electronic commitment payment certificate issued by the first bank and the bank issues 80,000 of the funds to the borrower. The borrower initiates the borrowing request to the bank according to the remaining 20,000 loans, then the second bank issued V20,000 funds to the borrower when it passed the credit evaluation, and the loan was successful.

[48] For the loan party, the second loan initiator's deposit of 60,000 in the bank are not lent to the borrower by the bank, but simply frozen by the bank. The 60,000 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 60,000 deposit still belongs to himself. For the borrower, it borrows from the loaner instead of borrowing from the bank, but the actual fund comes from the bank, and the fund is still returned to the bank. Based on the bank's solid strength and counter-force, it will strengthen self-discipline to match the borrowers to complete the whole borrowing process and also further reduces the loan risk. And because the bank's strength has made it easier to borrow money, the borrower can easily borrow money. For the banks, the borrowed 60,000 funds borrowed by the borrower were frozen 60,000 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.

[49] In the above solution, when receiving Second Participant's borrowing request, the First Participant and Second Participant respectively applies to the first Funds-Management server for opening the first and second electronic commitment payment certificate value is less than the sum of requested borrowing value, the first Funds-Management server freezes the funds of the First Participant and Second Participant that is less than the value of the electronic commitment payment certificate, and the second Funds-Management server issues funds to the Third Participant that is equal to the requested loan according to the electronic commitment payment certificate; meanwhile, the second Funds-Management server issues the remaining loan to the Third Participant. Thus, using the Funds-Management server as an intermediary platform between the Third Participant and participant, the participant guarantees to the Funds-Management server and the Funds-Management server issues the loan to the Third Participant, thereby reducing the risk of the borrowing process.

[50] Please refer to Figure 3, it is a schematic flowchart of a borrowing method in a third example of the present invention. The method flow shown in this example includes:

[51] Step S20, the first Funds-Management server respectively receives the electronic commitment payment certificate that the First Participant and Second Participant based on the loan request of the Third Participant apply to the open the corresponding first electronic commitment payment certificate and second electronic commitment payment certificate.

[52] Wherein the sum of the first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the value of the borrowing requested by the Third Participant, and the first electronic commitment certificate is opened by the first Funds-Management server and the First Participant used its account funds and credit limit as the guarantee to apply to the first Funds-Management server, the second electronic commitment certificate is opened by the first funds-Management server and the Second Participant used its account funds and credit limit as the guarantee to apply to the first Funds-Management server.

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

[54] Step S21, based on the first electronic commitment payment certificate and the second electronic commitment payment certificate, freezes the first funds which equal to the first electronic commitment payment certificate of the First Participant, and freezes the second funds which equal to the second electronic commitment payment certificate of the Second Participant.

[55] The frozen fund is respectively a deposit of the First and Second Participant in the first Funds-Management server or a credit limit given by the first Funds-Management server to the First and Second Participant, or the First and Second Participant mortgage the real estate to the first Funds-Management server.

[56] Step S22, delivers the first electronic commitment payment certificate and second electronic commitment payment certificate to the second Funds-Management server, making the second Funds-Management server issues funds which equal to the total value of first electronic commitment payment certificate and second electronic commitment payment certificate to the Third Participant. Wherein the issued funds is set by the second Funds-Management server to be returned within a schedule time.

[57] In the present example, the first Funds-Management server is a first bank Funds-Management server, and the second Funds-Management server is a Funds-Management server of a second bank.

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

[59] Further, the second Funds-Management server issues a third fund to the Third Participant according to the remaining borrowing request initiated by the Third Participant. Wherein the sum of the value of the first, second and third funds is equal to the borrowing value of the borrowing request, and first, second third funds are set up by the second Funds-Management server to be returned within a schedule time.

[60] Referring to Figure 4, it is a schematic flowchart of a borrowing method in a fourth example of the present invention. The method flow shown in this example includes:

[61] Step S30, the second Funds-Management server receives that the first Funds-Management server based on the application of First Participant and Second Participant and opens the corresponding first electronic commitment payment certificate and second electronic commitment payment certificate.

[62] Wherein, the First Participant and Second Participant are received the borrowing request of the Second Participant the application is delivered by the first Funds-Management Sever, the total value of first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the borrowing value of Third Participant, and the First Participant used its account funds or credit limit as the guarantee to apply to the first Funds-Management server and the first Funds-Management server opened the first electronic commitment payment certificate, the Second Participant used its account funds or credit limit as the guarantee to apply to the first Funds-Management server and the first Funds-Management server opened the second electronic commitment payment certificate.

[63] Step S31, deliver the funds which equal to the first electronic commitment payment certificate and second electronic commitment payment certificate to the Third Participant.

[64] Step S32, issues a third fund to the Third Participant according to the remaining loan request initiated by the third party. Wherein the sum of the value of the first, second and third funds is equal to the loan value of the borrowing request, and first, second third funds are set up by the second Funds-Management server to be returned within a schedule time.

[65] Please refer to Figure 5, it is a schematic flowchart of a data interaction processing method according to a first example of the present invention. The method flow shown in this example includes:

[66] Step S40, the first data initiator and second data initiator based on the data requester initiates the data request of first data value to its data unit and respectively apply to the First Service Party, and the First Service Party opens the first data certificate and data second certificate. Wherein the total value of the first data certificate and second data certificate is less than the first data value. Where the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, and the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party.

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= CA 02987677 2017-11-29

[67] Step S41, the First Service Party based on its opened first data certificate locks the first part data which equal to the data value represented by first data certificate in the data unit of first data initiator, and based on its opened second data certificate locks the second data which equal to the data value represented by second data certificate in the data unit of second data initiator.

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

[69] Step S42, the Second Server receives the first data certificate and second data certificate opened by the First Service Party and adds the data value which equal to the total value of the first part data and second part data to the data requesting terminal data unit.

[70] Specifically, the first data initiator and the second data initiator respectively open first data certificate and second data certificate to service party through the Second Server platform.

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

[72] Further, the First Server platform and the Second Server platform can be an e-commerce platform, and the data requestor may also access to 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.

[73] Step S43, the Second Service Party based on the data requester initiates adding the data requester which equal to the third part data value, adds the data value which equal to the third part data unit to the data initiator. Wherein, the sum of the first, second and third data value is first data value.

[74] Please refer to Figure 6, it is a data interaction processing method according to the second example of the present invention, the method and process including:

[75] Step S50, the First Service Party respectively opens based on the first data initiator and second data initiator received that the data requester initiates request to its data unit add the data requests of first data value and opens the corresponding first data certificate and second data certificate. Wherein the total value of the first data certificate and second data certificate is less than the first data value. Where the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, and the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party.

[76] Specifically, the data requester initiates a data request of the first data through the first server platform. The first data initiator and the second data initiator request to the service = CA 02987677 2017-11-29 party through the Second Server platform to open the first data certificate and the second data certificate.

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

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

[79] Step S51, based on its opened first data certificate locks the first part data which equal to the data value represented by first data certificate in the data unit of first data initiator, and based on its opened second data certificate locks the second data which equal to the data value represented by second data certificate in the data unit of second data initiator.

[80] Step S52, deliver the first data certificate and second data certificate to the Second Service Party, making the Second Service Party add the data value which equal to total value first part data and second part data in the data unit of data requester to the Second Service Party.
Wherein the Second Service Party is set to add data values equal to the data size of the first part in the data unit to the data unit in the Second Service Party within a scheduled time.

[81] Please refer to Figure 7, it is a data interaction processing method according to a third example of the present invention. The method and process shown in this example includes:

[82] Step S60, the Second Service Party receives the first data certificate and second data certificate opened correspondingly by the First Service Party according to the application of the first data initiator and second data certificate. Wherein the application is issued for the data requester received by the first data initiator and second data initiator to add a first data value to its data unit, the total value of first data certificate and second data certificate is less than the first data value and is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party,

[83] Step S61, add the data value which equal to the total value of the first part and second part to data initiator data unit.

[84] Step S62, based on the data requesting terminal initiates adding the data requester which equal to the third part data value, adds the data value which equal to the third part data unit to the data requesting terminal.

[85] Wherein, the sum of the first, second and third data value is first data value. The second server is set to add data values equal to the data size of the first part in the data unit to the data unit in the second server within a scheduled time.

[86] Please refer to Figure 8, 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.

[87] 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.

[88] Wherein, the data requesting terminal 71 initiates adding a first data value of first data requester to its data unit through the First Server platform.

[89] The first data initiating terminal 72 is used to apply to open a data certificate according to the first data requester.

[90] The second data initiating terminal 73 is used to apply to open a data certificate according to the first data requester.

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

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

[93] Further, the First Server platform and the Second Server platform can be an e-commerce platform, and the data requesting Terminal 71 may also 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.

[94] The First Sever 74 is used to determine based on the first data initiating terminal and second data initiating terminal apply to open the correspondingly first data certificate and second data certificate, based on its opened first data certificate locks the first part data which equal to the data value represented by the first data certificate in the data unit of the first data initiating terminal, and based on its opened second data certificate locks the second part data which equal to the data value represented by the second data certificate in the data unit of the second data initiating terminal. Wherein the total value of the first data certificate and second data certificate is less than the first data value.
Where the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiating terminal and the first service terminal, and the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiating terminal and the first service terminal.

[95] The Second Server 75 is used to receive the first data certificate and second data certificate opened by the First Server and adds the data value which equal to the total value of the first part data and second part data to the data requesting terminal data unit. And based on the data requesting terminal initiates adding the data requester which equal to the third part data value, adds the data value which equal to the third part data unit to the data requesting terminal. Wherein, the sum of the first, second and third data value is first data value.

[96] In this example, the first server 73 is a first Funds-Management server, which can be a bank. The Second Server 74 is a second Funds-Management server, which can be a bank.

[97] In other examples, the First Server 73 and the Second Server 74 are first Funds-Management server, which can be a bank.

[98] Please refer to Figure 9, it is a data interaction processing device according to an example of the present invention. The data interaction processing Device 80 includes a data certificate opening module 81, a processing module 82 and a delivery module 83. In the present example, the Device 80 operates in a banking system.

[99] The data certificate issuing module 81 is used to open based on the first data initiator and second data initiator received that the data requester initiates request to its data unit add the data request of first data value and opens the corresponding first data certificate and second data certificate. Wherein the total value of the first data certificate and second data certificate is less than the first data value. Where the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, and the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party.

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

[101] The processing module 82 is used to determine based on its opened first data certificate locks the first part data which equal to the data value represented by first data certificate in the data unit of first data initiator, and based on its opened second data certificate locks the second data which equal to the data value represented by second data certificate in the data unit of second data initiator.

[102] The issuing module 83 is used to deliver the first data certificate and second data certificate to the Second Service Party, making the Second Service Party add the data value which equal to total value first part data and second part data in the data unit of data requester to the Second Service Party. Wherein the Second Service Party is set to add data values equal to the data size of the first part in the data unit to the data unit in the Second Service Party within a scheduled time.

[103] Further, for the remaining data, the Second Service Party based on the data requesting terminal initiates adding the data requester which equal to the third part data value, adds the data value which equal to the third part data unit to the data requester.
Wherein, the sum of the first, second and third data value is first data value. The Second Server is set to add data values equal to the data size of the first part in the data unit to the data unit in the Second Server within a scheduled time.

[104] Please refer to Figure 10, 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.

[105] The receiving module 91 is used to receive the first data certificate and second data certificate opened correspondingly by the First Service Party according to the application of the first data initiator and second data certificate. Wherein the application is issued for the data requester received by the first data initiator and second data initiator to add a first data value to its data unit, the total value of first data certificate and second data certificate is less than the first data value and is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party,

[106] The issuing module 92 is used to add the data value which equal to the total value of the first part and second part to data initiator data unit. And based on the data requesting terminal initiates adding the data requester which equal to the third part data value, adds the data value which equal to the third part data unit to the data requesting terminal.

[107] Wherein, the sum of the first, second and third data value is first data value. The second server is set to add data values equal to the data size of the first part in the data unit to the data unit in the second server within a scheduled time.

[108] The present invention provides a borrowing method, a data interaction processing method, device and system. By pre-establish a data association relationship between first, second data initiator and a service party through a data certificate. When the first and second data initiator receives the data request of first data initiated by a data requester, respectively open the first data certificate and second data certificate to service party, the total value of the first data certificate and second data certificate is less than the first data value, making the service party respectively freeze the data association relationship between the first data certificate and second data certificate represented by the first and second data certificate, making the Second Service Party according to its data certificate to add the corresponding data value to data unit of the data initiator. During the process of data interaction, since the service provider is added to the data initiator (First and Second Participant) and the data requester (Third Participant), and the relationship of interaction between the data initiator and the service provider, the service provider and the data requester are established. It adds the data association, enriching the content of data interaction, making if either side of the data existing problems, it can restore the corresponding data (or data association) by means of the data interaction between the other two parties to improve data security and data interaction stability.

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

Claims (14)

The Claims
1. [Claim 1] A lending method, wherein the method includes:
   The First Participant and Second Participant respectively according to the borrowing request of the Second Participant to apply to the first Funds-Management server for opening the corresponding first electronic commitment payment certificate and second electronic commitment payment certificate; wherein, the total value of first electronic commitment payment certificate and second electronic commitment payment certificate is less than the borrowing value of the Third Participant, and the first electronic commitment payment certificate applied by the first Funds-Management server and the First Participant used its account funds or credit limit as the guarantee and was opened by the first Funds-Management server, and the second electronic commitment payment certificate applied by the first Funds-Management server and the Second Participant used its account funds or credit limit as the guarantee and was opened by the first Funds-Management server;
   The first Funds-Management server, according to the first electronic commitment payment certificate and the second electronic commitment payment certificate, freeze the first funds which equal to the first electronic commitment payment certificate of the First Participant, and freeze the second funds which equal to the second electronic commitment payment certificate of the Second Participant;
   The second Funds-Management server receives the electronic commitment payment certificate opened by the first Funds-Management server and issues the first funds equal to the first electronic commitment payment certificate and second electronic commitment payment certificate to the Third Participant ; and The second Funds-Management server issues a third fund to the Second Participant according to the remaining borrowing request initiated by the Third Participant;
   wherein the sum of the value of the first fund, the second fund and the third fund is equal to the borrowing value of loan request, and the first, second and third fund are set by the second Funds-Management server to be returned within a schedule time.
2. [Claim 2] According to the borrowing method in Claim 1, wherein the step of the First Participant and Second Participant applying to the first Funds-Management server for opening the electronic commitment payment certificate according to the borrowing request of the Third Participant including:
   
   The Third Participant initiates the borrowing request through a server platform; and The First Participant and Second Participant receives the borrowing request respectively and applies to the first Funds-Management server according to the borrowing request and opens the first electronic commitment payment certificate and second electron ic commitment payment certificate by the fi rst Funds-Management server.
3. [Claim 3] The lending method according to Claim 1, wherein the first Funds-Management server is the first bank's Funds-Management server, and the second Funds-Management server is the second banks' Funds-Management server;
4. [Claim 4] The lending method according to Claim 2, wherein the first Funds-Management server is the first bank's Funds-Management server, and the second Funds-Management server is the second banks' Funds-Management server;
5. [Claim 5] According to the borrowing method in Claim 1, wherein the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.
6. [Claim 6] According to the borrowing method in to Claim 2, wherein the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.
7. [Claim 7] A lending method, wherein the method includes:
   The first Funds-Management server receives the first electronic commitment payment certificate and the second electronic commitment payment certificate respectively corresponding to the application delivered by the First Participant and the Second Participant according to the received borrowing request of the Third Participant, Wherein, the total value of the first electronic commitment payment certificate is less than the borrowing value of the Third Participants' request, the first electronic commitment payment certificate is opened by the first Funds-Management server and the First Participant used its funds account or credit limit as the guarantee to apply to the first Funds-Management server, the second electronic commitment payment certificate is opened by the second Funds-Management server and the Second Participant used its funds account or credit limit as the guarantee to apply to the first Funds-Management server;
   According to the first electronic commitment payment certificate and the second electronic commitment payment certificate, freeze the first funds which equal to the first electronic commitment payment certificate of the First Participant, and freeze the second funds which equal to the second electronic commitment payment certificate of the Second Participant;
   Deliver the first electronic commitment payment certificate and second electronic commitment payment certificate to the second Funds-Management server, making the second Funds-Management server deliver the funds which equal to the total value of the first electronic commitment payment certificate and second electronic commitment payment certificate to the Third Participant; wherein, the delivered funds is set by the second Funds-Management server to be returned within schedule time.
8. [Claim 8] A lending method, wherein the method includes:
   Wherein, the request is that the First Participant and Second Participant received the borrowing request of the Third Participant and delivered respectively to the first Funds-Management server, the total value of the first electronic commitment payment certificate and second electronic commitment payment certificate is less than the borrowing value of the Third Participant, and the first electronic commitment payment certificate is that the First Participant used its account funds or credit limit as guarantee to apply to the first Funds-Management server, the second electronic commitment payment certificate is that the Second Participant used its account funds or credit limit as guarantee to apply to the first Funds-Management server;
   Deliver the funds which equal to the first electronic commitment payment certificate and second electronic commitment payment certificate to the Third Participant; and According to the remaining borrowing request initiated by the Third Participant;
   wherein the sum of the value of the first fund, the second fund and the third fund is equal to the loan value of loan request, and the first, second and third fund are set by the second Funds-Management server to be returned within a schedule time.
9. [Claim 9] A data interaction processing method, wherein the method comprises:
   The first data initiator and second data initiator based on the data requester initiates the data request of first data value to its data unit and respectively apply to the First Service Party, and the First Service Party opens the first data certificate and data second certificate; wherein, the total data value represented by the first data certificate and second data certificate is less than the first data value;
   Where the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, and the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party;
   The First Service Party based on its opened first data certificate locks the first part data which equal to the data value represented by first data certificate in the data unit of first data initiator, and based on its opened second data certificate locks the second data which equal to the data value represented by second data certificate in the data unit of second data initiator;
   The Second Server receives the first data certificate and second data certificate opened by the First Service Party and adds the data value which equal to the total value of the first part data and second part data to the data requesting terminal data unit; and According to the data requester that the data requester initiates to add data value equal to the second part data, adds data value which equal to the data value of the third part to the data unit of the data requester; wherein the sumof the first part data, the second part data and the third part data is the first data value.
10. [Claim 10] A data interaction processing system, wherein the system including:
    The data request terminal is used to initiate a first data request that needs to add a first data value to its data unit;
    The first data initiator terminal is used to apply to open a data certificate according to the first data request;
    The second data initiator terminal is used to apply to open a data certificate according to the first data request;
    The first server is used to open the corresponding first data value and second data value according to the application of first initiating terminal and second initiating terminal, based on its opened first data locks the first part data which equal to the data value represented by the first data certificate in the data unit of first data initiating terminal, and based on its opened second data locks the second part data which equal to the data value represented by the second data certificate in the data unit of second data initiating terminal; wherein, the total data value of first data certificate and second data certificate is less than the first data value;
    Where the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiating and the first service terminal, and the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiating and the first service terminal;
    
    the Second Server is used to receive the first data certificate and second data certificate opened by the First Server and adds the data value which equal to the total value of the first part data and second part data to the data requesting terminal data unit;
    And based on the data requesting initiating terminal add the data request which equal to the data value of the third part data, and add the data request which equal to the data value of the third part data to the data initiating requesting data unit, wherein the sumof the first part data, the second part data and the third part data is the first data value.
11. [Claim 11] A data interaction processing method, wherein the method comprises:
    The First Service Party based on the first data initiator and second data initiator receives the data requester that initiates the request of adding data requester of first data value to its data unit and respectively opens the first data certificate and second data certificate; wherein, the total value of the data value represented by the first data certificate and second data certificate is less than the first data value;
    Where the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, and the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party;
    Based on its opened first data certificate locks the first part data which equal to the data value represented by first data certificate in the data unit of first data initiator, and based on its opened second data certificate locks the second data which equal to the data value represented by second data certificate in the data unit of second data initiator; and Deliver the data certificate and second data certificate to the Second Service Party, making the Second Service Party adds a data value equal to the total value of the first part and second part to the data requester data unit; wherein the Second Server is set to add data values equal to the data size of the first part to the Second Service Party data unit within a scheduled time.
12. [Claim 12] A data interaction processing device, wherein the device including:
    The data certificate opening module is used to determine based on the first data initiator and second data initiator receives the data requester that initiates the request of adding data requester of first data value to its data unit and respectively opens the first data certificate and second data certificate; wherein, the total value of the data value represented by the first data certificate and second data certificate is less than the first data value;
    Where the first data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, and the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party;
    A processing module is used to determine based on its opened first data certificate locks the first part data which equal to the data value represented by first data certificate in the data unit of first data initiator, and based on its opened second data certificate locks the second data which equal to the data value represented by second data certificate in the data unit of second data initiator; and A delivery module is used to deliver the data certificate and second data certificate to the Second Service Party, making the Second Service Party adds a data value equal to the total value of the first part and second part to the data requester data unit; wherein the Second Server is set to add data values equal to the data size of the first part to the Second Service Party data unit within a scheduled time.
13. [Claim 13] A data interaction processing method, wherein the method comprises:
    The Second Service Party receives the First Service Party based on the first data initiator and second data initiator initiating request to open the first data certificate and second data certificate; wherein the application is issued for the data requester received by the first data initiator and second data initiator to add a first data value to its data unit, the total value of first data certificate and second data certificate is less than the first data value and is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party, Add the data value which equal to the total value of the first part and second part to data initiator data unit; and Based on the data requesting initiating terminal add the data request which equal to the data value of the third part data, and add the data request which equal to the data value of the third part data to the data initiating requesting data unit, wherein the sumof the first part data, the second part data and the third part data is the first data value;
    
    Wherein the Second Server is set that the data requester shall add data values equal to the first data size in the data unit to the data unit in the Second Server within a scheduled time.
14. [Claim 14] A data interaction processing device, wherein the device including:
    A receiving module is used to receive the First Service Party based on the first data initiator and second data initiator initiating request to open the first data certificate and second data certificate; wherein the application is issued for the data requester received by the first data initiator and second data initiator to add a first data value to its data unit, the total value of first data certificate and second data certificate is less than the first data value and is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party, the second data certificate is a quantitative tool of a pre-established data association relationship between the second data initiator and the First Service Party; and The delivery module is used to add the data value which equal to the total value of the first part data and second part data to the data unit of data requester;
    wherein based on the data requesting terminal initiates adding the data request of data value which equal to the data in the third part data, add data value which equal to the third part data to the data initiating terminal data unit; wherein, the total data value of first, second and third part is the first data value;
    Wherein the Second Server is set that the data requester shall add data values equal to the first data size in the data unit to the data unit in the Second Server within a scheduled time.