CA2987689C - Repayment method, and data interaction processing method, terminal and system - Google Patents

Abstract

Disclosed are a repayment method, and a data interaction processing method, terminal and system. The repayment method comprises: a first participant returns a loan to a second funds management server before a scheduled date; the second funds management server receives the loan returned by the first participant, and sends a notification to a first funds management server informing the first funds management server that the first participant has returned the loan; the first funds management server receives the notification sent by the second funds management server, and unfreezes funds of a second participant which are equal to the loan. The present invention reduces the lending risk for the second participant.

Description

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= CA 02987689 2017-11-29 Title: Repayment Method, And Data Interaction Processing Method, Terminal And System [1] [Technical Field]

[2] The present invention relates to the field of credit, especially, to a repayment method, data interaction processing method, terminal and system.

[3] [Background Technology]

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

[5] Take a user processing the data in his daily life as an example, when a user applies for a loan, a loan may be directly borrowed between an individual and individual or an individual borrows from a bank. However, the lending activities between individuals and individuals are usually the First Participant and loaner reach an agreement verbally or in writing form, after the loaner provides funds to the borrower, because there is no compulsory repayment constraint, it brings a great risk to the loaner.
Therefore, it needs to consider how to use the network to achieve borrowing and reduce risk.

[6] [Summary of the Invention]

[7] The main technical problem of the invention is to provide a repayment method, a data interaction processing method, a terminal and a system, which can reduce the risk of Second Participant.

[8] In order to solve the above technical problem, the first technical solution adopted by the present invention is: providing a repayment method, including:

[9] Wherein the loan is issued by the second Funds-Management server to the First Participant before the target date, wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from the first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of the Second Participant, the Funds-Management server, freezes the funds amount of the Second Participant which value is not less than the loan amount.

[10] The second Funds-Management server receives the loan returned by the First Participant;
and delivers a notification to the first Funds-Management server to inform the first Funds-Management server that the First Participant had returned the loan;

[11] The first Funds-Management server receives the notification delivered by the second Funds-Management server, and releases the funds which is equal to the loan of the Second Participant.

[12] In order to solve the above technical problem, the second technical solution adopted by the present invention is providing a repayment method, including:

[13] The first Funds-Management server receives a notification that the First Participant has returned the loan and is delivered by the second Funds-Management server;
wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from a first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of Second Participant and freezing the funds of the Second Participant which amount is not less than the loan;

[14] The first Funds-Management server releases the funds which is equal to the loan of the Second Participant.

[15] In order to solve the above technical problem, the third technical solution adopted by the present invention is providing a repayment method, including:

[16] The second Funds-Management server receives the loan returned by the First Participant;
wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from a first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of Second Participant and freezing the funds of the Second Participant which amount is not less than the loan;

[17] Delivers a notification to the first Funds-Management server to notify the first Funds-Management server that the First Participant has returned the loan so as to make the first Funds-Management server release the funds of the Second Participant that are equal to the loan.

[18] In order to solve the above technical problem, a fourth technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes the following steps:

[19] The data initiator add the first data value to data unit of second service party before the target date, wherein the first data value is delivered by the second service to the data = CA 02987689 2017-11-29 requester according to the data certificate from the First Service Party, the data certificate is the application delivered by the first service party based on the data requester, open after locking the data in the data unit of the data initiator whose value is not less than the first data value;

[20] The second service party deliver the notification to the first service party informing the first service party that the data initiator has add the first data value to data unit of second service party;

[21] The First Service Party receives the notification delivered by the Second Service Party and releases the data in the data unit of the data initiator whose value is equal to the first data value.

[22] In order to solve the above technical problem, a fifth technical solution adopted by the present invention is to provide a data interaction processing method, where the method including:

[23] The data unit delivered by the First Service Party to the Second Service Party has added a first data value notification to the data unit of the Second Service Party;
wherein the first data value is delivered by the second service to the data requester according to the data certificate from the First Service Party, the data certificate is the application delivered by the service party based on the data requester, open after locking the data in the data unit of the data initiator whose value is not less than the first data value;

[24] Releases the data in the data unit of the data initiator whose value is equal to the first data value.

[25] In order to solve the above technical problem, a sixth technical solution adopted by the present invention is to provide a data interaction processing method, where the method including:

[26] The second service party detects that the data initiator whether add the first data value to data unit of second service party before the target date, wherein the first data value is delivered by the second service to the data requester according to the data certificate from the Service Party, the data certificate is the application delivered by the first service party based on the data initiator, open after locking the data in the data unit of the data requester whose value is not less than the first data value;

[27] If the data requester has added the first data value to the data unit to the Second Service Party before a target date. The data requester adds a notification of the first data value to enable the First Service Party to unlock the data in the data unit of the data initiator whose value is equal to the first data value.

[28] In order to solve the above technical problem, a seventh technical solution adopted by the present invention is to provide a data interaction processing system, including: a data requesting terminal, a data initiating terminal, a First Server, and a Second Server;

[29] The data requesting terminal is used to whether add the first data value to data unit of second server before the target date, wherein the first data value is delivered by the second server to the data requesting terminal according to the data certificate from the first server, the data certificate is the application delivered by the first server based on the data initiating terminal, open after locking the data in the data unit of the data requesting terminal whose value is not less than the first data value;

[30] The second server deliver the notification to the first server informing the first server that the data initiating terminal has add the first data value to data unit of second server;

[31] The First Server is configured to receive the notification delivered by the Second Server and releases the data in the data unit of the data initiator whose value is equal to the first data value.

[32] In order to solve the above technical problem, an eighth technical solution adopted by the present invention is: it is provides a server which includes a receiving module and an unlocking module,

[33] The data unit delivered by the receiving module to the Second Server has added a first data value notification to the data unit of the Second Server; wherein the first data value is delivered by the Second Server to the data requesting terminal according to the data certificate from the first server, the data certificate is the application delivered by the first server based on the data requesting terminal, open after locking the data in the data unit of the data initiator terminal whose value is not less than the first data value;

[34] The unlocking module is used to release the data in the data unit of the data initiator whose value is equal to the first data value.

[35] In order to solve the above technical problem, a ninth technical solution adopted by the present invention is: it is provides a server which includes a detecting module and a delivery module,

[36] The detecting module is used to detect that the data requesting terminal whether add the first data value to data unit of server before the target date, the first data value is delivered by the second server to the data requesting terminal according to the data certificate from the first server, the data certificate is the application delivered by the first server based on the data initiating terminal, open after locking the data in the data unit of the data initiating terminal whose value is not less than the first data value;

[37] The delivery module is also used to that the data requesting terminal adds a first data value to the data unit of the Second Server before the target date, delivers the notification that the = CA 02987689 2017-11-29 data requesting terminal has added the first data value to the First Server;
making the First Server locks the data of first data value which is equal to the data initiating terminal of the First Server.

[38] Different from the existing technology, the First Participant of the present invention is in the target date return the loan to the second Funds-Management server, the second Funds-Management server deliver a notification to the first Funds-Management server that the First Participant has returned the loan, the first Funds-Management server release the funds which equal to the amount of loan. By interposing the first Funds-Management server and the second Funds-Management server into the loans of the First Participant and the Second Participant, the risk of the loan can be effectively reduced, and the safety of the funds can be guaranteed.

[39] [Brief Description]

[40] Figure 1 is a schematic flow chart of an example of a repayment method according to the present invention;

[41] Figure 2 is a schematic flow chart of another example of the repayment method according to the present invention;

[42] Figure 3 is a schematic flow chart of the third example of the repayment method according to the present invention;

[43] Figure 4 is a schematic flow chart of a data interaction processing method in example one of the present invention;

[44] Figure 5 is a schematic flow chart of a data interaction processing method another example of the present invention;

[45] Figure 6 is a flow chart of a data interaction processing in a third example of the present invention;

[46] Figure 7 is a schematic structural diagram of a data interaction processing system in an example of the present invention;

[47] Figure 8 is a schematic structural diagram of an example of First Server according to the present invention;

[48] Figure 9 is a schematic structural diagram of another example of a server according to the present invention.

[49] [Description of the Preferred Examples]

[50] Please referring to Figure 1, it is a schematic flowchart of an example of a repayment method according to the present invention. The repayment method of this example includes the following steps:

[51] 101: the First Participant will return the loan to the second Funds-Management server = CA 02987689 2017-11-29 before the target date.

[52] Wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from the first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of the Second Participant, the Funds-Management server, freezes the funds amount of the Second Participant which value is not less than the loan amount.

[53] The First Participant makes a request for the loan to the Second Participant, the Second Participant applies to the Funds-Management server for opening the electronic commitment payment certificate; wherein the electronic commitment payment certificate is issued by the Second Participant to the first Funds-Management server and opened by the first Funds-Management server as the guarantee of the account funds or credit line.

[54] The first Funds-Management server, based on the electronic commitment payment certificate issued by the first Funds-Management server, freezes part of the funds of the Second Participant, and delivers the electronic commitment payment certificate to the second Funds-Management server, and the second Funds-Management server delivers the loan to the First Participant and issuing the loan and notify the First Participant to return the loan on the target date at the same time

[55] Wherein, when determining that the funds of account or credit line of the Second Participant in the financial system of the Second Participant is not less than the loan amount of the First Participant, the first Funds-Management server issues the electronic commitment payment certificate which the amount is equal to the loan to the Second Participant.

[56] Wherein, the first Funds-Management server and the second Funds-Management server are banks or other financial institutions, and both may be the same institution or may be different institutions respectively. When the first Funds-Management server and the second Funds-Management server is a different institution, the borrowing and lending process can be realized by the way of this example.

[57] For example, the First Participant delivers a loan request for borrowing 100,000 to the Second Participant, the Second Participant requests to the first Funds-Management server after receiving the borrowing request, and the first Funds-Management server issues 100,000 electronic commitment payment certificate, the first Funds-Management server freezes part of the first Funds-Management server of the Second Participant in this Funds-Management server, such as 120,000, of which the amount of the frozen funds is not less than the borrowing amount. Then, the first Funds-Management server delivers the electronic commitment payment certificate to the second Funds-Management server. After receiving the electronic commitment payment certificate, the second Funds-Management server issues a loan of 100,000 to the First Participant and the First Participant repay the loan within 6 months.

[58] The First Participant will repay the second Funds-Management server within the target date, such as within 6 months.

[59] 102: The second Funds-Management server receives the loan returned by the First Participant; and delivers a notification to the first Funds-Management server to inform the first Funds-Management server that the First Participant had returned the loan.

[60] Specifically, since this loan is equal to the loan directly issued by the second Funds-Management server to the First Participant, the First Participant needs to pay the Funds-Management server the loan interest payable during the loan period.

[61] The second Funds-Management server receives the loan and loan interest returned by the First Participant, and delivers a notification to the first Funds-Management server that the First Participant of the first Funds-Management server had returned the loan.

[62] In addition, since the First Participant returned the loan issued by the second Funds-Management server within a predetermined time, it is an act of integrity. The second Funds-Management server includes the timely repayment record of the First Participant in the bank credit system and enhance the ranking of the First Participant in the bank integrity system to facilitate participation of the First Participant in other activities of the Funds-Management server.

[63] For the borrower, it borrows from the Second Participant instead of borrowing from the Funds-Management server or bank, but the actual fund comes from the bank, and the fund is still returned to the bank. Based on the bank's solid strength and counter-force, it will strengthen self-discipline to match the Second Participant to complete the whole borrowing process and also further reduces the loan risk of the Second Participant. And because the bank's strength has made it easier to borrow money, the First Participant can easily borrow money.

[64] For the banks, the borrowed funds of 100000 borrowed by the Second Participant were frozen 100,000 as a guarantee of storage, the risk is not borne by the bank only, and because of its solid strength and counter-force, and it can guarantee the smooth completion of the loan process to some extent. After the successful completion, it can increase the potential customers, obtain more customer information, and can also gain additional benefits during the lending process.

[65] 103: The first Funds-Management server receives the notification delivered by the second = = CA 02987689 2017-11-29 Funds-Management server, and releases the funds which is equal to the loan of the Second Participant.

[66] After receiving the notification delivered by the second Funds-Management server, the first Funds-Management server confirms that the First Participant has returned the loan on schedule, and releases the funds of the Second Participant that are equal to the loan.

[67] In addition, although part of the funds of the Second Participant is frozen during the loan of the First Participant, it is still stored in the financial system of the first Funds-Management server, that is, the deposit status, and the first Funds-Management server gives the Second Participant the benefit of the Second Participant by issuing the frozen funds during the frozen period, which increases the benefit of the Second Participant.

[68] In this loan, for the Second Participant, the deposit of Y100,000 in the bank are not borrowed to the First Participant by the bank, but simply frozen by the bank.
The 100,000 deposits are still in the account of the Second Participant and belong to the Second Participant. As a result, the risk is greatly reduced and the additional benefits may also be gained because the 100,000 deposit still belongs to himself, the deposit interest in the present example can be current interest or regular interest.

[69] In another example, if the first Funds-Management server and the second Funds-Management server are the same financial institution, the financial institution freezes part of the funds of the Second Participant after the Second Service Party delivers the application to the financial institution and issues the loan to the First Participant. The First Participant returns the loan directly to the financial institution before the on the target date. After receiving the loan returned by the First Participant, the financial institution releases the funds of the Second Participant equal to the loan.

[70] In another example, if the First Participant fails to return the loan to the second Funds-Management server within the target date, the second Funds-Management server enters the dunning phase for the First Participant, A dunning notice to be returned within a second target date is issued and the first Funds-Management server maintains a frozen state of a portion of the funds of the Second Participant until the First Participant repay the loan.
When the First Participant returns the loan to the second Funds-Management server within the second target date, the second Funds-Management server sends a notification to the first Funds-Management server. After receiving the above notification, the first Funds-Management server unfreezes the assets of the Second Participant equal to the loan amount and provides the Second Participant with the interest of the deposits during the fund freeze period.

[71] Different from the existing technology, the First Participant of the present invention is in =

the target date return the loan to the second Funds-Management server, the second Funds-Management server deliver a notification to the first Funds-Management server that the First Participant has returned the loan, the first Funds-Management server release the funds which equal to the amount of loan. By interposing the first Funds-Management server and the second Funds-Management server into the loans of the First Participant and the Second Participant, the risk of the loan can be effectively reduced, and the safety of the funds can be guaranteed.

[72] In addition, after the first Funds-Management server releases the funds of Second Participant equal to the loan, issuing the loan interest to the Second Participant during the frozen period, it can further ensure that the Second Participant's ownership of funds and increases the benefit of the Second Participant. In addition, the second Funds-Management server itself can also obtain the loan interest paid by the First Participant to increase revenue.

[73] In another example, if the First Participant fails to return the loan to the second Funds-Management server on the target date, the second Funds-Management server notifies the failure of the First Participant to repay on time to the first Funds-Management server, the first Funds-Management server reminds the Second Participant whether to agree to pay the First Participant's loan and loan interest instead of the First Participant. If the Second Participant agrees to pay the First Participant's loan and the loan interest instead of the First Participant, and the Second Participant pays the loan capital and the loan interest equal to the funds flow into the second Funds-Management server's financial system.

[74] In the present invention, allowing the Second Participant to help the First Participant to repay the loan in case that the First Participant can not afford to repay the loan in full make the repayment method more flexible and humane.

[75] In addition, by introducing the credit function, when the First Participant is unable to repay the remaining repayments and the Second Participant helps the First Participant to repay the remaining repayments, the second Funds-Management server reduce the credit rating of the First Participant, so as to increase the default cost of the First Participant, and reduce the risk of default, and further guarantee the interests of the Second Participant or creditors.
In addition, the first Funds-Management server can also be involved in the Second Participant's helping the First Participant to pay timely and the repayment records were included into the bank credit system, and enhance the grade of Second Participants in the bank credit system.

[76] Please refer to Figure 2, Figure 2 is a schematic flow chart of another example of a repayment method according to the present invention. The method of this example includes the following steps:

[77] 201: The first Funds-Management server receives the notification delivered by the second Funds-Management server that the First Participant has return the loan.

[78] Wherein, the first Funds-Management server and the second Funds-Management server can be banks or financial institutions.

[79] Wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from the first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of the Second Participant, the Funds-Management server, freezes the funds amount of the Second Participant which value is not less than the loan amount.

[80] Wherein, the amount of the electronic commitment payment certificate is equal to the amount requested by the First Participant. The electronic commitment payment certificate is opened by the first Funds-Management server to the Second Participant based on the Second Participant's account funds or credit line in its financial system as a guarantee.

[81] The first Funds-Management server, based on the electronic commitment payment certificate issued by the first Funds-Management server, freezes part of the funds of the Second Participant, and delivers the electronic commitment payment certificate to the second Funds-Management server, and the second Funds-Management server delivers the loan to the First Participant and issuing the loan and notify the First Participant to return the loan on the first target date at the same time In addition, the First Participant needs to pay the second Funds-Management server the loan interest payable during the loan period.

[82] When the First Participant returns the loan and the interest on the loan to the second Funds-Management server within the time limit, the second Funds-Management server receives the loan and loan interest returned by the First Participant, and delivers the loan to the first Funds-Management server informing the first Funds-Management server of the notification that the First Participant has returned the loan, and correspondingly, the first Funds-Management server receives the notification.

[83] In addition, since the First Participant returned the loan issued by the second Funds-Management server within a predetermined time, it is an act of integrity. The second Funds-Management server includes the timely repayment record of the First Participant in the bank credit system and enhance the ranking of the First Participant in the bank integrity system to facilitate participation of the First Participant in other activities of the Funds-Management server.

[84] 202: The first Funds-Management server releases the Second Participant's funds equal to the loan.

[85] After receiving the notification delivered by the second Funds-Management server, the first Funds-Management server confirms that the First Participant has returned the loan on schedule, and releases the funds of the Second Participant that are equal to the loan.

[86] In addition, although part of the funds of the Second Participant is frozen during the loan of the First Participant, it is still stored in the financial system of the first Funds-Management server, that is, the deposit status, and the first Funds-Management server gives the Second Participant the benefit of the Second Participant by issuing the frozen funds during the frozen period, which increases the benefit of the Second Participant.

[87] Differing from the existing technology, after the first Funds-Management server in the example receives the notification that the First Participant has returned the loan and is delivered by the second Funds-Management server, the first Funds-Management server of the present example releases the funds of Second Participant's equal to the loan. By interposing the first Funds-Management server and the second Funds-Management server into the loans of the First Participant and the Second Participant, the risk of the loan can be effectively reduced, and the safety of the funds can be guaranteed.

[88] In addition, after the first Funds-Management server releases the funds of Second Participant equal to the loan, issuing the loan interest to the Second Participant during the frozen period, it can further ensure that the Second Participant's ownership of funds and increases the benefit of the Second Participant.

[89] In addition, the second Funds-Management server itself can also obtain the loan interest paid by the First Participant to increase revenue.

[90] Please refer to Figure 3, Figure 3 is a schematic flow chart of another example of a repayment method according to the present invention. The method of this example includes the following steps:

[91] 301: The second Funds-Management server receives the loan returned by the First Participant.

[92] Wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from the first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of the Second Participant, the Funds-Management server, freezes the funds amount of the Second Participant which value is not less than the loan amount.

[93] Wherein, the first Funds-Management server and the second Funds-Management server can be banks or financial institutions.

[94] Wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from the first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of the Second Participant, the Funds-Management server, freezes the funds amount of the Second Participant which value is not less than the loan amount.

[95] The first Funds-Management server, based on the electronic commitment payment certificate issued by the first Funds-Management server, freezes part of the funds of the Second Participant, and delivers the electronic commitment payment certificate to the second Funds-Management server, and the second Funds-Management server delivers the loan to the First Participant and issuing the loan and notify the First Participant to return the loan on the first target date at the same time In addition, the First Participant needs to pay the second Funds-Management server the loan interest payable during the loan period.

[96] The second Funds-Management server receives the loan principal returned by the First Participant and loan interest when the First Participant returns the loan principal and loan interest to the second Funds-Management server within the prescribed time limit.

[97] In addition, since the First Participant returned the loan issued by the second Funds-Management server within a predetermined time, it is an act of integrity. The second Funds-Management server includes the timely repayment record of the First Participant in the bank credit system and enhance the ranking of the First Participant in the bank integrity system to facilitate participation of the First Participant in other activities of the Funds-Management server.

[98] 302: Delivers a notification to the first Funds-Management server to notify the first Funds-Management server that the First Participant has returned the loan so as to make the first Funds-Management server release the funds of the Second Participant that are equal to the loan.

[99] After receiving the notification delivered by the second Funds-Management server, the first Funds-Management server confirms that the First Participant has returned the loan on schedule, and releases the funds of the Second Participant that are equal to the loan.

[100] In addition, although part of the funds of the Second Participant is frozen during the loan of the First Participant, it is still stored in the financial system of the first Funds-Management server, that is, the deposit status, and the first Funds-Management server gives the Second Participant the benefit of the Second Participant by issuing the frozen funds during the frozen period, which increases the benefit of the Second Participant.

[101] Different from the existing technology, after the second Funds-Management server receives =

the loan returned by the First Participant in the present invention, delivers a notification to the first Funds-Management server to notify the first Funds-Management server that the First Participant has returned the loan so as to make the first Funds-Management server release the funds of the Second Participant that are equal to the loan. By interposing the first Funds-Management server and the second Funds-Management server into the loans of the First Participant and the Second Participant, the risk of the loan can be effectively reduced, and the safety of the funds can be guaranteed.

[102] In addition, the second Funds-Management server itself can also obtain the loan interest paid by the First Participant to increase revenue.

[103] In addition, after the first Funds-Management server releases the funds of Second Participant equal to the loan, issuing the loan interest to the Second Participant during the frozen period, it can further ensure that the Second Participant's ownership of funds and increases the benefit of the Second Participant.

[104] Please refer to Figure 4, Figure 4 is a schematic flow chart of third example of a data interaction processing method according to the present invention. The data interaction processing method in this example includes the following steps:

[105] 401: the data requester adds a first data value to the data unit of the Second Service Party before a target date.

[106] Wherein the first data value is delivered by the Second Service Party to the data requester according to a data certificate from a First Service Party, the data certificate is opened by the First Service Party according to the application of the data initiator and locks the data in the data unit of the data initiator that is not less than the size of the first data value.

[107] Specifically, the data requester through the first sever platform initiates the data request of first data to first sever platform, the data certificate is applied by the first initiator to the First Service Party, wherein the data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party.

[108] The First Service Party opens the data certificate and locks the data in the data unit of the data originator according to the data certificate whose value is not less than the first data value, and delivers the data certificate to the Second Service Party. After receiving the data certificate, the Second Service Party delivers the first data to the data requester, and require the data requester to add the first data value to the data unit of the Second Service Party before the scheduled date.

[109] Wherein, the data certificate is equal to the first data value which issued by the data initiator to the data initiator after the First Service Party determines that the data value in the data unit of the data initiator is not less than the first data value, a data certificate equal =
= CA 02987689 2017-11-29 to the first data value that is opened to the data initiator.

[110] 402: the second service party deliver the notification to the first service party informing the first service party that the data initiator has add the first data value to data unit of second service party.

[111] If the data requester adds a first data value to a data unit of a Second Service Party within a target date, the second service party deliver a notification to first service party informing that the First Participant has added the first data value to its data unit.

[112] Specifically, since the first data delivered by the Second Service Party directly to the data requester, when the data requester needs to add the first data value to the data unit of the Second Service Party, the data requester needs to add the first data value to the data unit, at the same time it also need to increase the value of the first equity relative to the first data from the data unit.

[113] In another example, in order to increase data interaction between the Second Service Party and the data requester, the Second Service Party also includes the data requester's record of adding the first data value to the Second Service Party unit on time to the integrity system, and increase the grade of the data requester in the integrity system.

[114] 403: The First Service Party receives the notification delivered by the Second Service Party, and unlocks the data whose size corresponds to the first data value in the data unit of the data initiator.

[115] After receiving the notification delivered by the Second Service Party, the First Service Party unlocks the data in the data unit of the data initiator whose value corresponds to the size of the first data value.

[116] In addition, although some of the data units in the data initiator are in a locked state, the data initiator still have the ownership. The First Service Party releases the data relationship between the server represented by the data certificate and the data initiator.
It is also necessary to add the value-added data produced in the frozen stage which equal to the first data value in the data unit of data initiator.

[117] Different from the existing technology, when the data initiator fails to add the first data value to the unit of the Second Service Party before the target date, making the delivers a notification to the data unit of the data requester to add a first data value to the data unit of the Second Service Party on the Second target date, the data requester receives the notification, and adds a first data unit of the Second Service Party on the Second target date. The Second Service Party delivers a notification to the First Service Party to inform the First Service Party that the data requester has added the first data value to the data unit of the Second Service Party. The First Service Party receives the notification delivered by the Second Service Party and unlocks the data in the data unit of the data initiator whose value equal to the size of the first data value.

[118] Different from the existing technology, the data initiator in the present invention adds the first data value to the Second Service Party before the target date, the Second Service Party delivers a notification to the First Service Party that the First Service Party had added the first data value to the Second Service Party; the First Service Party receives the notification of the Second Service Party, and unlocks the data of the first data value which equal to the data in the data unit of the data initiator. Through the above method, during the data interaction process between the data requester and the data initiator, the First Service Party and the Second Service Party were added, and data interaction occurs between the First Service Party and the Second Service Party, the data requester and the data initiator to additionally create at least two data relationship between the two parties. It increases the data relation and enriches the connotation of data interaction so that when any one of the data problems occur during the entire data interaction process, the corresponding data or data association relationship can still be restored by means of the data interaction between the other two parties. It is effectively preventing data loss and improve data security and data exchange stability.

[119] Please refer to Figure 5, Figure 5 is a schematic flow chart of another example of a data interaction processing method according to the present invention. The data interaction processing method in this example includes the following steps:

[120] 501: The First Service Party receives the data delivered by the Second Service Party. The requester has added the first data value notification to the data unit of the Second Service Party.

[121] Wherein the first data value is delivered by the Second Service Party to the data requester according to a data certificate from a First Service Party, the data certificate is opened by the service party according to the application of the data initiator and locks the data in the data unit of the data initiator that is not less than the size of the first data value.

[122] Specifically, the data requester initiates a data requester of the first data through the First Server platform to data initiator. The data certificate is applied by the first initiator to the First Service Party, wherein the data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party.

[123] The First Service Party opens the data certificate and locks the data in the data unit of the data originator according to the data certificate whose value is not less than the first data value, and delivers the data certificate to the Second Service Party. After receiving the data certificate, the Second Service Party delivers the first data to the data requester, and require the data requester to add the first data value to the data unit of the Second Service Party before the scheduled date.

[124] Wherein, the data certificate is equal to the first data value which issued by the data initiator to the data initiator after the First Service Party determines that the data value in the data unit of the data initiator is not less than the first data value, a data certificate equal to the first data value that is opened to the data initiator.

[125] If the data requester adds a first data value to a data unit of a Second Service Party within a target date, the second service party deliver a notification to first service party informing that the First Participant has added the first data value. Correspondingly, the First Service Party receives the above notification.

[126] In addition, since the first data delivered by the Second Service Party directly to the data requester, when the data requester needs to add the first data value to the data unit of the Second Service Party, the data requester needs to add the first data value to the data unit, at the same time it also need to increase the value of the first equity relative to the first data from the data unit.

[127] In another example, in order to increase data interaction between the Second Service Party and the data requester, the Second Service Party also includes the data requester's record of adding the first data value to the Second Service Party unit on time to the integrity system, and increase the grade of the data requester in the integrity system.

[128] 502: Unlocks the data whose size corresponds to the first data value in the data unit of the data initiator.

[129] After receiving the notification delivered by the Second Service Party, the First Service Party unlocks the data in the data unit of the data initiator whose value corresponds to the size of the first data value.

[130] In addition, although some of the data units in the data initiator are in a locked state, the data initiator still have the ownership. The First Service Party releases the data relationship between the server represented by the data certificate and the data initiator.
It is also necessary to add the value-added data produced in the frozen stage which equal to the first data value in the data unit of data initiator.

[131] Different from the existing technology, after the First Service Party receiving the data delivered by the Second Service Party, it delivers the first data value notification to the data unit of the Second Service Party, after the First Service Party receives the first data value notification, the First Service Party unlocks the data in the data unit of the data initiator whose value corresponds to the size of the first data value. Through the above method, the First Service Party and the Second Service Party are added to the data interaction process =
= CA 02987689 2017-11-29 between the data requester and the data initiator, and data interaction occurs between both the data requester and the data initiator to additionally create at least two data relationship between the two parties. It increases the data relation and enriches the connotation of data interaction so that when any one of the data problems occur during the entire data interaction process, the corresponding data or data association relationship can still be restored by means of the data interaction between the other two parties. It is effectively prevent data loss and improve data security and data exchange stability.

[132] Please refer to Figure 6, Figure 6 is a schematic flow chart of third example of a data interaction processing method according to the present invention. The data interaction processing method in this example includes the following steps:

[133] 601: the Second Service Party detects whether the data requester adds a first data value to the data unit of the Second Service Party before a target date.

[134] Wherein the first data value is delivered by the Second Service Party to the data requester according to a data certificate from a First Service Party, the data certificate is opened by the First Service Party according to the application of the data requester and locks the data in the data unit of the data requester that is not less than value of the first data value;

[135] Specifically, the data requester initiates a data requester of the first data through the First Server platform to data initiator. The data certificate is applied by the first initiator to the First Service Party, wherein the data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party.

[136] The First Service Party opens the data certificate and locks the data in the data unit of the data originator according to the data certificate whose value is not less than the first data value, and delivers the data certificate to the Second Service Party. After receiving the data certificate, the Second Service Party delivers the first data to the data requester, and require the data requester to add the first data value to the data unit of the Second Service Party before the scheduled date.

[137] Wherein, the data certificate is equal to the first data value which issued by the data initiator to the data initiator after the First Service Party determines that the data value in the data unit of the data initiator is not less than the first data value, a data certificate equal to the first data value that is opened to the data initiator.

[138] The Second Service Party detects whether the data requester adds a first data value to the data unit of the Second Service Party before a target date.

[139] 602: If the data requester has added the first data value to the data unit to the Second Service Party before a target date, the second service party delivers a notification to first service party informing that the First Participant has add the first data value, making the = CA 02987689 2017-11-29 first service party unlocks the data which equal to first data value in the data unit of data initiator.

[140] In addition, since the first data delivered by the Second Service Party directly to the data requester, when the data requester needs to add the first data value to the data unit of the Second Service Party, the data requester needs to add the first data value to the data unit, at the same time it also need to increase the produced value of the first equity relative to the first data from the data unit in the loan period.

[141] In another example, in order to increase data interaction between the Second Service Party and the data requester, the Second Service Party also includes the data requester's record of adding the first data value to the Second Service Party unit on time to the integrity system, and increase the grade of the data requester in the integrity system.

[142] After receiving the notification delivered by the Second Service Party, the First Service Party unlocks the data in the data unit of the data initiator whose value corresponds to the size of the first data value.

[143] In addition, although some of the data units in the data initiator are in a locked state, the data initiator still have the ownership. The First Service Party releases the data relationship between the server represented by the data certificate and the data initiator.
It is also necessary to add the value-added data produced in the frozen stage which equal to the first data value in the data unit of data.

[144] Different from the existing technology, the Second Service Party detects that the data requester add the first data value in the data unit of second service party before the Second target date. If the data requester add the first data value to the data unit of the Second Service Party before the Second target date, a notification is delivered to the First Service Party to inform the First Service Party that the data requester has added the first data value to the data unit of the Second Service Party, and unlocks the data in the data unit of the data initiator whose value equal to the value of the first data value. Through the above method, the First Service Party and the Second Service Party are added to the data interaction process between the data requester and the data initiator, and data interaction occurs between both the data requester and the data initiator to additionally create at least two data relationship between the two parties. It increases the data relation and enriches the connotation of data interaction so that when any one of the data problems occur during the entire data interaction process, the corresponding data or data association relationship can still be restored by means of the data interaction between the other two parties. It is effectively prevent data loss and improve data security and data exchange stability.

[145] Please refer to Figure 7 it is a schematic structural diagram of a data interaction processing = CA 02987689 2017-11-29 system in an example of the present invention. The System shown in this example includes a data request Terminal 701, a data initiating Terminal 702, a First Server 703, and a Second Server 704,

[146] The data requesting Terminal 701 is used to add the first data value to the data unit of the Second Server 704 before the target date.

[147] Wherein, the first data value is delivered by the Second Server 704 to the data request terminal according to the data certificate from the First Server 703, where the data certificate is delivered by the First Server 703 according to the data initiating terminal 702 apply for and lock the data in the data unit of the data initiating terminal 702 after the data whose value is not less than the size of the first data value is opened.

[148] The Second Server 704 is used to deliver a notification to the First Server 703 that the data requesting Terminal 701 has added the first data value to the data unit of the Second Server 704.

[149] The First Server 703 is configured to receive the notification delivered by the Second Server 704 and unlocks the data whose value in the data unit of the data initiating Terminal 702 is equal to the size of the first data value.

[150] Different from the existing technology, the data initiating terminal in the present invention adds the first data value to the second server before the target date, the second server delivers a notification to the first server that the first server had added the first data value to the second server; the first server receives the notification of the second server, and unlocks the data of the first data value which equal to the data in the data unit of the data initiating terminal. Through the above method, during the data interaction process between the data requester terminal and data initiating terminal, the First Server and the Second Server are added, making the First Server and Second Server respectively interact with the data initiating terminal and data requesting terminal, and additionally create at least two data relationship between the two parties. It increases the data relation and enriches the connotation of data interaction so that when any one of the data problems occur during the entire data interaction process, the corresponding data or data association relationship can still be restored by means of the data interaction between the other two parties. It is effectively preventing data loss and improve data security and data exchange stability.

[151] Please refer to Figure 8, Figure 8 is a schematic structural diagram of an example of a server according to the present invention. The server in this example includes a receiving module 801 and an unlocking module 802.

[152] The receiving module 801 is used to receive the notification that the data requesting terminal delivered by the Second Server has adding the first data value to the data unit in =

the second server.

[153] The first data value is sent by the Second Server to the data requesting terminal according to the data credential from the First Server, where the data credential is sent by the First Server according to the data initiation terminal Apply for and lock the data in the data unit of the data initiating terminal after the data whose value is not less than the size of the first data value is opened.

[154] The unlocking module 802 is configured to unlock the data in the data unit of the data initiator that has a value corresponding to the size of the first data value.

[155] Different from the prior art, after the receiving module of the First Server in this example receives the data request sent by the Second Server and the terminal has added the first data value notification to the data unit of the Second Server, the unlocking module parses The data in the data unit of the data initiating terminal equals the data of the first data value to be unlocked. Through the above method, the First Server and the Second Server are added to the data interaction process between the data requesting terminal and the data terminal, and data interaction occurs between both the data requesting terminal and the data initiating terminal to additionally create at least two data relationship between the two parties. It increases the data relation and enriches the connotation of data interaction so that when any one of the data problems occur during the entire data interaction process, the corresponding data or data association relationship can still be restored by means of the data interaction between the other two parties. It is effectively prevent data loss and improve data security and data exchange stability.

[156] Please refer to Figure 9, Figure 9 is a schematic structural diagram of another example of a server according to the present invention. The server in this example includes a detecting module 901 and a delivery module 902,

[157] The detecting module 901 is configured to detect whether the data requesting terminal adds a first data value to the data unit of the server before a target date.

[158] The first data value is sent by the Second Server to the data requester according to the data credential from the First Server, where the data credential is sent by the First Server according to the data request party apply for and lock the data in the data unit of the data initiating terminal after the data whose value is not less than the size of the first data value is opened.

[159] The delivery module 902 is used to when the data requesting terminal has added the first data value to the data unit to the second sever before a target date, the second server delivers a notification to first server informing that the First Participant has add the first data value, making the first server unlocks the data which equal to first data value in the = CA 02987689 2017-11-29 data unit of data initiating terminal.

[160] Different from the existing technology, the detecting module of second server detects that the data requesting terminal add the first data value in the data unit of second server before the target date. If the data requesting terminal add the first data value to the data unit of the second server before the target date, the delivery module deliver a notification to the first server to First Participant that the data requesting terminal has added the first data value, and unlocks the data in the data unit of the data initiating terminal whose value equal to the value of the first data value. Through the above method, the First Server and the Second Server are added to the data interaction process between the data requesting terminal and the data terminal, and data interaction occurs between both the data requesting terminal and the data initiating terminal to additionally create at least two data relationship between the two parties. It increases the data relation and enriches the connotation of data interaction so that when any one of the data problems occur during the entire data interaction process, the corresponding data or data association relationship can still be restored by means of the data interaction between the other two parties. It is effectively prevent data loss and improve data security and data exchange stability.

[161] The above is only an example of the present invention and is not intended to limit the scope of the invention as a matter of limitation, either by way of equivalent construction or equivalent process transformation using the present specification and the accompanying drawings, directly or indirectly used in other related technical fields, which are included in the scope of the patent protection of the present invention.

Claims (18)

The Claims
1. [Claim 1] A repayment method, including:
   Wherein the loan is issued by the second Funds-Management server to the First Participant before the target date, wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from the first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of the Second Participant, the Funds-Management server, freezes the funds amount of the Second Participant which value is not less than the loan amount.
   The second Funds-Management server receives the loan returned by the First Participant; and delivers a notification to the fust Funds-Management server to inform the first Funds-Management server that the First Participant had returned the loan;
   The first Funds-Management server receives the notification delivered by the second Funds-Management server, and releases the funds equal to the loan of the Second Participant.
2. [Claim 2] According to the method in claim 1, the characteristic is that the first Funds-Management server and second Funds-Management server is the same Funds-Management server, the First Participant return the loan to Funds-Management server before the target date, the Funds-Management server receives the loan returned by the First Participant, and freezes the funds which equal to the loan amount of Second Participant.
3. [Claim 3] According to method in Claim 1, the characteristic is that the step of the first Funds-Management server receiving the notification delivered by the second Funds-Management server and releases the funds of the Second Participant equal to the loan includes:
   The first Funds-Management server release the funds which equal to the loan;
   the first Funds-Management server issues the Second Participant a deposit interest that has been frozen during the frozen period.
4. [Claim 4] According to method in Claim 1, the characteristic is that the step of the second Funds-Management server receiving the loan returned by the First Participant includes:
   
   The second Funds-Management server receives the loan and loan interest returned by the First Participant, and include the First Participant's repayment record in the bank's credit system;
   Increase the credit rating of the First Participant in the bank integrity system.
5. [Claim 5] A repayment method, including:
   The first Funds-Management server receives a notification that the First Participant has returned the loan and delivered by the second Funds-Management server; wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from the first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of the Second Participant, the Funds-Management server, freezes the funds amount of the Second Participant which value is not less than the loan amount;
   The first Funds-Management server releases the Second Participant's funds equal to the loan.
6. [Claim 6] According to method in Claim 5, the characteristic is that the step of the first Funds-Management server releasing the funds equal to the loan of the Second Participant includes:
   The first Funds-Management server releases the funds equal to the loan;
   The first Funds-Management server issues the Second Participant a deposit interest that has been frozen during the frozen period
7. [Claim 7] A repayment method, the characteristic including:
   The second Funds-Management server receives the loan returned by the First Participant; wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from a first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of Second Participant and freezing the funds of the Second Participant which amount is not less than the loan;
   Delivers a notification to the first Funds-Management server to notify the first Funds-Management server that the First Participant has returned the loan so as to make the first Funds-Management server release the funds of the Second Participant that are equal to the loan.
8. [Claim 8] According to method in Claim 7, the characteristic is that the step of the second Funds-Management server receiving the loan returned by the First Participant includes:
   The second Funds-Management server receives the loan and loan interest returned by the First Participant, and include the First Participant's repayment record in the bank's credit system;
   Increase the credit rating of the First Participant in the bank integrity system.
9. [Claim 9] A data interaction processing method, the characteristic including:
   The data initiator add the first data value to data unit of second service party before the target date, wherein the first data value is delivered by the second service to the data requester according to the data certificate from the First Service Party, the data certificate is the application delivered by the first service party based on the data requester, open after locking the data in the data unit of the data initiator whose value is not less than the first data value;
   The second service party deliver the notification to the first service party informing the first service party that the data initiator has add the first data value to data unit of second service party;
   The First Service Party receives the notification delivered by the Second Service Party, and unlocks the data whose size corresponds to the first data value in the data unit of the data initiator.
10. [Claim 10] According to the method in the Claim 9, the characteristic is that the First Service Party receives the notification delivered by the Second Service Party, and unlocks the data whose size corresponds to the first data value in the data unit of the data initiator, the steps also including:
    Add the value-added data produced in the locking stage which equal to the data of first data value in the data unit of data initiator.
11. [Claim 11] The method according to Claim 9, wherein the Second Service Party sends to the First Service Party to inform the First Service Party that the data request has been sent to the Second Service Party. The step of adding a notification of the first data value to the data unit of the party further comprises:
    The Second Service Party includes the data requester's record of adding the first data value to the Second Service Party unit on time to the integrity system, and increase the grade of the data requester in the integrity system.
12. [Claim 12] A data interaction processing method, the characteristic including:
    The First Service Party receives notification that the data requester delivered by the Second Service Party to add the first data value in the data unit of the Second Service Party; wherein the first data value is delivered by the second service to the data requester according to the data certificate from the First Service Party, the data certificate is the application delivered by the service party based on the data requester, open after locking the data in the data unit of the data initiator whose value is not less than the first data value;
    Unlocks the data whose size corresponds to the first data value in the data unit of the data initiator.
13. [Claim 13] According to the method in the Claim 12, the characteristic is that unlocks the data whose value corresponds to the first data value in the data unit of the data initiator, the steps also including:
    Add the value-added data produced in the locking stage which equal to the data of first data value in the data unit of data initiator.
14. [Claim 14] A data interaction processing method, the characteristic including:
    The second service party detects that the data initiator whether add the first data value to data unit of second service party before the target date, wherein the first data value is delivered by the second service to the data requester according to the data certificate from the Service Party, the data certificate is the application delivered by the first service party based on the data initiator, open after locking the data in the data unit of the data requester whose value is not less than the first data value;
    The Second Service Party adds the first data value to the data unit of the Second Service Party by the data requester before a target date. The data requester adds a notification of the first data value to enable the First Service Party to unlock the data in the data unit of the data initiator whose value is equal to the first data value
15. [Claim 15] The method according to Claim 14, characterized in that the Second Service Party adds the first data value to the data unit of the Second Service Party by the data requester before a target date. At the same time as or after the step of sending to the First Service Party informing the data requester that the first data value has been incremented, further comprises:
    The Second Service Party includes the data requester's record of adding the first data value to the Second Service Party unit on time to the integrity system, and increase the grade of the data requester in the integrity system.
16. [Claim 16] A data interaction processing system, wherein the characteristic including:
    The data requesting terminal, the data initiating terminal, the first server and second server, data requesting terminal is used to whether add the first data value to data unit of second server before the target date, wherein the first data value is delivered by the second server to the data requesting terminal according to the data certificate from the first server, the data certificate is the application delivered by the first server based on the data initiating terminal, open after locking the data in the data unit of the data requesting terminal whose value is not less than the first data value;
    The Second Server is configured to deliver a notification to the First Server that the data requesting terminal has added the first data value;
    The First Server is configured to receive the notification delivered by the Second Server and releases the data in the data unit of the data initiator whose value is equal to the first data value.
17. [Claim 17] The characteristic of a server is including a delivery module and unlocking module, The data unit delivered by the receiving module to the Second Server has added a first data value notification to the data unit of the Second Server; wherein the first data value is delivered by the Second Server to the data requesting terminal according to the data certificate from the first server, the data certificate is the application delivered by the first server based on the data requesting terminal, open after locking the data in the data unit of the data initiator terminal whose value is not less than the first data value;
    The unlocking module is used to the data whose size corresponds to the first data value in the data unit of the data initiator.
18. [Claim 18] A server, characterized in that the server comprises a detecting module and a delivery module, wherein the detecting module is configured to detect whether the data requesting terminal adds the first data to the server before a target date;
    The first data value is sent by the Second Server to the data requesting terminal according to the data credential from the First Server, where the data credential is sent by the First Server according to the data initiation terminal Apply for and lock the data in the data unit of the data initiating terminal after the data whose value is not less than the size of the first data value is opened;
    The delivery module is also used to that the data requesting terminal adds a first data value to the data unit of the Second Server before the target date, delivers the notification that the data requesting terminal has added the first data value to the First Server; making the First Server locks the data of first data value which is equal to the data initiating terminal of the First Server.