CA2987690C - Lending 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: when a first funds management server determines that a second funds management server has not received a loan of a first participant within a scheduled date, the first funds management server maintains a portion of funds of a second participant in a frozen state, the loan being granted by the second funds management server to the first participant according to an electronic commitment payment certificate from the first funds management server, the electronic commitment payment certificate being opened by the first funds management server according to an application of the second participant and after freezing funds of the second participant which are not less than the amount of the loan; the second participant sends a message to the first funds management server that the second participant is willing to return the loan instead of the first participant; the first funds management server receives the message, and pays the frozen funds of the second participant into a financial system of the second funds management server. The present invention reduces the lending risk for the second participant.

Description

Title: Lending Method, And Data Interaction Processing Method, Terminal And System [1] [Technical Field]

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

[3] [Background Technology]

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

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

[6] [Summary of the Invention]

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

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

[9] When the first Funds-Management server determines that second Funds-Management server fails to receive the loan returned by the First Participant on the target date, and maintain the frozen status of the funds of the Second Participant; wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from a first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of Second Participant and freezing the funds of the Second Participant which amount is not less than the loan;

[10] The Second Participant delivers to the first Funds-Management server a message of agreeing to return the loan in place of the First Participant;

[11] The first Funds-Management server receives the message and pays the frozen funds of the Second Participant into the financial system of the second Funds-Management server.

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

[13] When the first Funds-Management server on the condition that second Funds-Management server fails to receive the loan returned by on the target date, and maintain the frozen status of the funds of the Second Participant; wherein the loan is issued by the second Funds-Management server to the First Participant based on an electronic commitment payment certificate from a first Funds-Management server, the electronic commitment payment certificate is opened by the first Funds-Management server according to the application of Second Participant and freezing the funds of the Second Participant which amount is not less than the loan;

[14] The first Funds-Management server receives a message that the Second Participant agrees to replace the First Participant to return and finishes the payment of the frozen funds of the Second Participant to the finance system of the second Funds-Management server.

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

[16] When the First Service Party determines that the data requester does not add the first data value to data unit of Second Service Party before the target date, keep the locked status of at least part of the data in the data unit of data initiator, 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;

[17] The data initiator delivers to the First Service Party a message that agrees to add a first data value to the data unit of the Second Service Party in place of the data requester;

[18] The First Service Party receives the message and pays the locked data of the data initiator into the data unit of the Second Service Party, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.

' CA 02987690 2017-11-29

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

[20] When the First Service Party determines that the data requester does not add the first data value to data unit of Second Service Party before the target date, keep the locked status of the data in the data unit of data initiator is not less than the first data value, wherein the first data value is delivered by the second service to the data requester according to the data certificate from the First Service Party, the data certificate is the application delivered by the First Service Party based on the data requester, open after locking the data in the data unit of the data initiator whose value is not less than the first data value;

[21] When the First Service Party receives the notification delivered by the data initiator that it is determined to add the first data value to the data unit of the Second Service Party in place of the data requester, it will pay the locked data-initiator of the data initiator to the data unit of the Second Service Party, wherein the value of the data to be paid including the values of the first data value and the value-added data of the first data

[22] In order to solve the above technical problem, a fifth technical solution adopted by the present invention is to provide a data interaction processing system, including: a data request terminal, a data initiator terminal, a First Server, and a Second Server, the server

[23] When the First Server determines that the data request terminal does not add the first data value to data unit of Second Server before the target date, keep the locked status of at least part of the data in the data unit of data initiator terminal, wherein the first data value is delivered by the Second Server to the data request 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 request terminal, opens after locking the data in the data unit of the data initiator terminal whose value is not less than the first data value;

[24] The data initiator terminal delivers to the First Server a message that agrees to add a first data value to the data unit of the Second Server in place of the data request terminal;

[25] The First Server receives the message and pays the locked data of the data initiator terminal into the data unit of the Second Server, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.

[26] In order to solve the above technical problem, a sixth technical solution adopted by the present invention is: it is provides a server which includes a locking module, a receiving module and delivery module,

[27] The delivery module is used for When the First Server determines that the data request terminal does not add the first data value to data unit of Second Server before the target date, keep the locked status of at least part of the data in the data unit of data initiator terminal, wherein the first data value is delivered by the Second Server to the data request 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 request terminal, opens after locking the data in the data unit of the data initiator terminal whose value is not less than the first data value;

[28] The receiving module is used to receive a notification delivered by the data initiating terminal that it is willing to add a first data value to the data unit of the Second Server in place of the data requesting terminal;

[29] The delivery module is further used to pay the locked data of the data initiating terminal to the data unit of the Second Server, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.

[30] The beneficial effects of the present invention is to distinguish from the existing technology.

[31] The first Funds-Management server in this example determines that the second Funds-Management server maintains a frozen state of a part of the funds of the Second Participant when the second Funds-Management server does not receive the First Participant loan within a target date; the Second Participant sends the first Funds-Management server a message that is willing to return the loan in place of the First Participant; the first Funds-Management server receives the message and pays the frozen funds of the Second Participant to the financial system of the second Funds-Management server, so that the repayment method is flexible. In addition, 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.

[32] [Brief Description]

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

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

[35] Figure 3 is a schematic flow chart of a data interaction processing method in example one of the present invention;

[36] Figure 4 is a schematic flow chart of a data interaction processing method another example of the present invention;

[37] Figure 5 is a schematic structural diagram of an example of First Server according to the present invention;

[38] Figure 6 is a schematic structural diagram of a data interaction processing system in an example of the present invention.

[39] [Description of the Preferred Examples]

[40] 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:

[41] 101: When the first Funds-Management server determines that the second Funds-Management server does not receive the loan returned by the First Participant within the target date, keeps the part of the funds frozen of the Second Participant.

[42] 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.

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

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

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

[46] Wherein, the first Funds-Management server and the second Funds-Management server are banks or other financial institutions, and they can be the same institution or be different institutions respectively. When the first Funds-Management server and the second Funds-Management server is a different institutions, the loan and lending process can be realized by the way in this example.

[47] If the second Funds-Management server receives the loan returned by the First Participant within the target date, and the second Funds-Management server delivers a notification to the first Funds-Management server that the First Participant of the first Funds-Management server had returned the loan. The first Funds-Management server, in accordance with the above notification, release the amount of the funds equal to the loan of the second participant.

[48] If the first Funds-Management server fails to receive the notification of the first participant returning the loan from the second Funds-Management server at the end of the target date, it is determined that the second Funds-Management server does not receive the loan returned by the First Participation within the target date, the first Funds-Management server maintaining at least part of the funding of the Second Participant are frozen.

[49] 102, the Second Participant delivers to the first Funds-Management server a message of agreeing to return the loan in place of the First Participant.

[50] The Second Participant still fails to detect that the first Funds-Management server unfreezes the Second Participant's money equivalent to the loan at the end of the target date, and to avoid affecting creditworthiness, a message is sent to the first Funds-Management server that is intended to replace the First Participant to return the loan.

[51] 103, the first Funds-Management server receives the message and delivers the frozen funds of the Second Participant into the financial system of the second Funds-Management server.

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

[53] Thus, the first Funds-Management server pays the Second Participant's frozen funds which equal to the loan and its loan interest into the financial system of the second Funds-Management server.

[54] 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.

[55] In addition, since the Second Participant take place of the First Participant to return the loan issued by the second Funds-Management server within a target date, it is an act of integrity. The first Funds-Management server includes the timely repayment record of the Second Participant in the bank credit system and enhance the ranking of the Second Participant in the bank integrity system to facilitate participation of the Second Participant in other activities of the Funds-Management server.

[56] In addition, the second Funds-Management server reduces the credit level of the First Participant in the bank credit system as the First Participant fails to return the loan within the target date.

[57] Since the first participant fails to return the loan on the target date, the second Funds-Management server imposes deferred fine on the First Participant, wherein the deferred penalty is an increase in interest on loans extended during the deferral of late fees or/and deferred repayment. Correspondingly, the first Funds-Management server pays the Second Participant's funds which equal to the loan, interest of loan and deferred fine into the financial system of the second Funds-Management server.

[58] In another example, if the First Participant returns the loan to the second Funds-Management server on the target date, the second Funds-Management server receives the loan returned by the First Participant and delivers a notification to the first Funds-Management server that the First Participant has returned the loan to the first Funds-Management server, and the first Funds-Management server receives the notification delivered by the second Funds-Management server and release the funds of Second Participant's equal to the loan.

[59] Different from the existing technology, the first Funds-Management server in this example determines that the second Funds-Management server maintains a frozen state of a part of the funds of the Second Participant when the second Funds-Management server does not receive the First Participant loan within a target date; the Second Participant sends the first Funds-Management server a message that is willing to return the loan in place of the First Participant; the first Funds-Management server receives the message and pays the frozen funds of the Second Participant to the financial system of the second Funds-Management server. By interposing the first Funds-Management server and the second Funds-Management server into the loans of the First Participant and the Second Participant, the risk of the loan can be effectively reduced, and the safety of the funds can be guaranteed.

[60] In other example of the present invention, if the First Participant fails to return the loan to the second Funds-Management server within the target date, the second Funds-Management server delivers a payment notification to return the loan to the second Funds-Management server on the Second target date; and the First Participant receives the notification of payment and return the loan to the second Funds-Management server on the Second target date; the second Funds-Management server receives the loan retuned by First Participant and delivers the notification that the First Participant has returned the loan to the first Funds-Management server; the first Funds-Management server receives the notification delivered by the second Funds-Management server and releases the frozen funds of Second Participant.

[61] 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. The Second Participant is willing to pay the First Participant's loan and the loan interest instead of the First Participant and the first Funds-Management server pays out the frozen funds of the Second Participant to the second Funds-Management server in the financial system.

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

[63] 201: When the first Funds-Management server on the condition that the second Funds-Management server does not receive the loan within the target date, keeps the part of the funds frozen of the Second Participant.

[64] 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.

[65] 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.

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

[67] 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

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

[69] Wherein, the first Funds-Management server and the second Funds-Management server are banks or other financial institutions, and they can be the same institution or be different institutions respectively. When the first Funds-Management server and the second Funds-Management server is a different institutions, the loan and lending process can be realized by the way in this example.

[70] If the second Funds-Management server receives the loan returned by the First Participant within the target date, and the second Funds-Management server delivers a notification to the first Funds-Management server that the First Participant of the first Funds-Management server had returned the loan. The first Funds-Management server, in accordance with the above notification, release the amount of the funds equal to the loan of the second participant.

[71] If the first Funds-Management server fails to receive the notification of the first participant returning the loan from the second Funds-Management server at the end of the target date, it is determined that the second Funds-Management server does not receive the loan returned by the First Participation within the target date, the first Funds-Management server maintaining at least part of the funding of the Second Participant are frozen.

[72] 202: the first Funds-Management server receives a message that the Second Participant agrees to replace the First Participant in return and pays the frozen funds of the Second Participant to the second Funds-Management server in the financial system.

[73] The Second Participant still fails to detect that the first Funds-Management server unfreezes the frozen money to the loan at the end of the target date, and to avoid affecting creditworthiness, a message is sent to the first Funds-Management server that is intended to replace the First Participant to return the loan. The first Funds-Management server receives the message and delivers the frozen funds of the Second Participant into the financial system of the second Funds-Management server.

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

[75] Thus, the first Funds-Management server pays the Second Participant's frozen funds which equal to the loan and its loan interest into the financial system of the second Funds-Management server.

[76] 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.

[77] In addition, since the Second Participant take place of the First Participant to return the loan issued by the second Funds-Management server within a target date, it is an act of integrity. The first Funds-Management server includes the timely repayment record of the Second Participant in the bank credit system and enhance the ranking of the Second Participant in the bank integrity system to facilitate participation of the Second Participant in other activities of the Funds-Management server.

[78] Since the first participant fails to return the loan on the target date, the second Funds-Management server imposes deferred fine on the First Participant, wherein the deferred penalty is an increase in interest on loans extended during the deferral of late fees or/and deferred repayment. Correspondingly, the first Funds-Management server pays the Second Participant's frozen funds which equal to the loan, interest of loan and deferred fine into the financial system of the second Funds-Management server.

[79] Different from the existing technology, the first Funds-Management server in this example determines that the second Funds-Management server maintains a frozen state of a part of the funds of the Second Participant when the second Funds-Management server does not receive the First Participant loan within a target date; the first Funds-Management server receive a message that is willing to return the loan in place of the First Participant; pays the frozen funds of the Second Participant to the financial system of the second Funds-Management server. By interposing the first Funds-Management server and the second Funds-Management server into the loans of the First Participant and the Second Participant, the risk of the loan can be effectively reduced, and the safety of the funds can be guaranteed.

[80] Please refer to Figure 3, Figure 3 is a schematic flow chart of third example of a data interaction processing method according to the present invention. The data interaction processing method in this example includes the following steps:

[81] 301, the First Service Party determines that the data requester fails to add the first data value to the data unit of the Second Service Party before the target date, keeping a lock status of at least a part of the data within the data unit of the data initiator.

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

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

[84] The First Service Party opens the data certificate and locks the data in the data unit of the data originator according to the data certificate whose value is not less than the first data value, 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.

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

[86] If the data requester adds a first data value to a data unit of a Second Service Party within a target date, the Second Service Party 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 data initiator had returned the loan. The First Service Party will pay the data whose size corresponds to the first data value in the data unit of the data initiator.

[87] If the first Funds-Management server does not receive a notification that the data requester delivered by the second Funds-Management server has added the first data value to the data unit of the Second Service Party at the end of the target date, the First Service Party is determined that the data requester does not add the first data value to the data unit of the Second Service Party before the target dated date and delivers to the data initiator whether or not and keeps the locked state of the data in the data unit of the data initiator whose value is not less than the size of the first data value.

[88] 302: The data initiator delivers to the First Service Party a message that agrees to add a first data value to the data unit of the Second Service Party in place of the data requester;

[89] If at least part of the funds locked in the data requester's data unit has not been settled at the end of the target date, the data requester determines that the data requester did not add the first data value to the data unit of the Second Service Party prior to the target date. To avoid affecting creditworthiness, the data initiating party sends to the First Service Party a notification that is willing to add the first data value to the data unit of the Second Service Party in place of the data request.

[90] 303: the First Service Party receives the message and pays the locked data of the data initiator into the data unit of the Second Service Party, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.

[91] In addition, since the first data delivered by the Second Service Party directly to the data requester, when the data requester needs to add the first data value to the data unit of the Second Service Party, the data requester needs to add the first data value to the data unit, at the same time it also need to increase the value-added to the first data from the data unit.
Therefore, the number of locked value of the data initiator in First Service Party is equal to the first data value and the value-added data to the data unit of the Second Service Party.

[92] In addition, since the data requester fails to add a first data value to the data unit of the Second Service Party in the target date, the data requester also adds the delay data of the first data value due to the extended period to the data unit of the Second Service Party.
Therefore, the number of locked value of the First Service Party to the data initiator is equal to the first data value and the value-added data of the First Service Party and to the data unit of the Second Service Party.

[93] In another example, because the data initiator actively agrees to add the first unit value to the data unit of the Second Service Party in place of the data requester, it is an act of honesty, in order to increase data interaction between the Second Server and the data initiator, the service party also includes the data initiator's record of adding the first data value to the Second Service Party unit on time to the integrity system, and increase the grade of the data initiator in the integrity system.

[94] In addition, although part of the data units in the data initiator are locked, the data initiator , still owns them, and the First Service Party issues the data initiator with added value of frozen data during the freezing period.

[95] In another example, if the data initiator adds the first data value to the Second Service Party before the target date, the Second Service Party delivers a notification to the First Service Party that the First Service Party had added the first data value to the Second Service Party; the First Service Party receives the notification of the Second Service Party, and pays the data of the first data value which equal to the data in the data unit of the data initiator.

[96] Different from the existing technology, when the First Service Party of this example determines that the data requester fails to add the first data value to the data unit of the Second Service Party before a target date, the First Service Party of the present example and keeps a lock status of at least part of the data in the data unit of the data initiator and data initiator delivers the First Service Party a message of willing to add a first data value to the data unit of the Second Service Party in place of the data requester, the fist service party receives the message and pays the locked data of the data initiator to the data unit of the Second Service Party. Through the above method, 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.

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

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

[99] 401, the First Service Party determines that the data requester fails to add the first data value to the data unit of the Second Service Party before the target date, keeping a locking status of at least a part of the data within the data unit of the data initiator.

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

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

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

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

[104] If the data requester adds a first data value to a data unit of a Second Service Party within a target date, the second Funds-Management server receives the loan returned by the First Participant; and delivers a notification to the first Funds-Management server that the data initiator has added the data value. The first Funds-Management server will pay the data whose size corresponds to the first data value in the data unit of the data initiator.

[105] If the first Funds-Management server does not receive a notification that the data requester delivered by the second Funds-Management server has added the first data value to the data unit of the Second Service Party in the target date, the First Service Party is determined that the data requester does not before the target date and delivers to the data initiator whether or not and keeps the locked state of the data in the data unit of the data initiator whose value is not less than the size of the first data value.

[106] 402: the First Service Party, after receiving a notification delivered by the data initiator that it is willing to add a first data value to the data unit of the Second Service Party in place of the data requester, pays the locked data of the initiator to the data unit of the Second Service Party, wherein the value of the data to be paid equal to the values of the first data value and the value-added data of the first data value.

[107] If at least part of the funds locked in the data requester's data unit has not been settled at the end of the target date, the data requester determines that the data requester did not add the first data value to the data unit of the Second Service Party prior to the target date. To avoid affecting creditworthiness, the data initiating party sends to the First Service Party a notification that is willing to add the first data value to the data unit of the Second Service Party in place of the data request.

[108] The First Service Party receives the message and delivers the frozen funds of the data initiator to the data unit of Second Service Party, wherein, the payment value of data is equal to the first data value and value-added data of first data value.

[109] In addition, since the first data delivered by the Second Service Party directly to the data requester, when the data requester needs to add the first data value to the data unit of the Second Service Party, the data requester needs to add the first data value to the data unit, at the same time it also need to increase the value-added to the first data from the data unit.
Therefore, the number of locked value of the data initiator in First Service Party is equal to the first data value and the value-added data to the data unit of the Second Service Party.

[110] In addition, since the data requester fails to add a first data value to the data unit of the Second Service Party in the target date, the data requester also adds the delay data of the first data value due to the extended period to the data unit of the Second Service Party.
Therefore, the number of locked value of the First Service Party to the data initiator is equal to the first data value and the value-added data of the First Service Party and to the data unit of the Second Service Party.

[111] In another example, because the data initiator actively agrees to add the first unit value to the data unit of the Second Service Party in place of the data requester, it is an act of honesty, in order to increase data interaction between the Second Server and the data initiator, the service party also includes the data initiator's record of adding the first data value to the Second Service Party unit on time to the integrity system, and increase the grade of the data initiator in the integrity system.

[112] In addition, although part of the data units in the data initiator are locked, the data initiator still owns them, and the First Service Party issues the data initiator with added value of frozen data during the freezing period.

[113] Different from the existing technology, when the First Service Party of this example determines that the data requester fails to add the first data value to the data unit of the Second Service Party before a target date, keeps a lock status of at least part of the data in the data unit of the data initiator and receives the notification that the data initiator is willing to take place of data initiator to add the first data value to the data unit of the Second Service Party, the First Service Party receives the notification and pays the locked data of the data initiator to the data unit of the Second Service Party.
Through the above method, the First Service Party and the Second Service Party are added to the data interaction process between the data requester and the data initiator, and data interaction occurs between both the data requester and the data initiator to additionally create at least two data relationship between the two parties. It increases the data relation and enriches the connotation of data interaction so that when any one of the data problems occur during the entire data interaction process, the corresponding data or data association relationship can still be restored by means of the data interaction between the other two parties. It is effectively prevent data loss and improve data security and data exchange stability.

[114] Please refer to Figure 5, Figure 5 is a schematic structural diagram of an example of a data interaction processing system according to the present invention. The data interaction processing system in this example includes a data requesting Terminal 501, a data initiating Terminal 502, a First Server 503, and a Second Server 504,

[115] The First Server 503 determines that the data request terminal 501 fails to add the first data value to the data unit of the Second Server 504 before the target date, keeping a locking status of at least a part of the data within the data unit of the data initiator terminal 502.

[116] Wherein, the first data value is delivered by the Second Server 504 to the data requester according to the data certificate from the First Server 503, where the data certificate is delivered by the First Server 503 according to the data initiating terminal 502 apply for and lock the data in the data unit of the data initiating terminal 502 after the data whose value is not less than the size of the first data value is opened.

[117] The data initiator terminal 502 is used to deliver to the First Server 503 a message that agrees to add a first data value to the data unit of the Second Server 504 in place of the data request terminal 501.

[118] The First Server 503 is used to receive the message and pay the locked data of the data initiator terminal 502 to the data unit of the Second Server 504, wherein the data value of the payment is equal to the first data value and the data of value-added in the first data.

[119] Different from the existing technology, the First Server in the present invention determines the data request terminal fails to add the first data value in the data unit of Second Server before the target date, keeping at least part of the data is locked in the data unit of data initiator terminal, the data initiator terminal deliver the notification of adding the first data value to data unit of Second Server, the First Server receives the notification and deliver the locked data of data initiator terminal to the data unit of Second Server, wherein, the payment data value including the first data value and value-added data of first data.
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 server 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.

[120] Please refer to Figure 6, it is a schematic structural diagram of an example of a server according to the present invention. The server in this example includes a locking module 601, a receiving module 602, and a deliver module 603,

[121] The locking module 601 is used to when the First Server determines that the data request terminal fails to add the first data value to the data unit of the Second Server before the target date, keeping a locking status of at least a part of the data within the data unit of the data initiator terminal.

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

[123] The receiving module 602 is used to receive a notification delivered by the data initiating terminal that it is willing to add a first data value to the data unit of the Second Server in place of the data requesting terminal.

[124] Delivery module 603 is used to add the data of the first data value which equal to the data in the data unit of data initiator to the data unit of the second service terminal.

[125] Different from the existing technology, the locking module is used to when the First Server determines that the data request terminal fails to add the first data value to the data unit of Second Server before the target date, keeping the value in the data unit of data initiator terminal not less than the locked status of first data value, the receiving module is used to receive the notification of willing to add the first data value to data unit of Second Server in place of data request terminal, the delivery module is used to deliver the locked data in the data initiator terminal to the data unit of Second Server, wherein, the payment data value is equal to the first data value and value-added of 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.

[126] 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 (34)

Claims:

1. A computer implemented data interaction processing method wherein the method comprises:
a first server, based on an electronic commitment payment certificate, freezes data representing funds of a second participant device;
the first server delivers the electronic commitment payment certificate to a second server;
the second server issues a data packet representing a loan to a first participant device and notifies the first participant device to return the data packet representing the loan within a pre-set repayment period;
the first server releases the data representing frozen funds of the second participant device when the first server receives a notification from the second server that the first participant device has returned the data packet representing the loan;
the first server maintains a frozen status of the data representing funds of the second participant device when the first server determines that second server fails to receive the data packet representing the loan returned by the first participant device within the pre-set repayment period, wherein the first participant device issues a request for the data representing the loan to the second participant device, wherein the data packet representing the loan is issued by the second server to the first participant device based on the electronic commitment payment certificate generated by the first server according to an application of the second participant device;
the first server notifies the second participant device to respond to agree to return the data packet representing the loan and a data packet representing loan interest in place of the first participant device;

Date Recue/Date Received 2022-06-14 the second participant device delivers to the first server a message of agreeing to return the data packet representing the loan in place of the first participant device; and the first server receives the message and unfreezes the data representing frozen funds of the second participant device into a financial system device of the second server.

2. The method of claim 1, wherein the electronic commitment payment certificate is generated by the first server according to the application of the second participant device as a guarantee of data representing account funds or credit line and freezing the data representing funds of the second participant device which amount is not less than the data packet representing the loan.

3. The method of claim 1 further comprising:
issuing data representing interest to the second participant device that the data representing interest has been frozen during the pre-set repayment period;
inputting the second participant's device repayment record on schedule into a bank credit system; and increase a credit rating of the second participant device in the bank credit system.

4. The method of claim 1 further comprising:
reducing a credit rating of the first participant device in a bank credit system.

5. The method of any one of claims 1 to 4 further comprising:
the second server imposes a deferral penalty on the first participant device when the second server fails to receive repayment after the repayment period.
Date Recue/Date Received 2022-06-14

6. The method of claim 5, wherein the deferral penalty is an increase in the interest of the loan within the repayment period of delay or late payment or/and extension of repayment.

7. The method of any one of claims 1 to 6, wherein the first server and the second server are banks.

8. The method of any one of claims 1 to 6, wherein the first server and the second server are other financial institutions.

9. The method of any one of claims 1 to 7, wherein the first server and the second server both may be the same institution.

10. The method of any one of claims 1 to 7, wherein the first server and the second server may be different institutions respectively.

11. The method of any one of claims 1 to 10, wherein the first participant device is a borrower.

12. The method of any one of claims 1 to 11, wherein the second participant device is a lender.

13. A computer implemented data interaction processing method applied in a first server, comprising:
freezes data representing funds of a second participant device based on an electronic commitment payment certificate;
delivers the electronic commitment payment certificate to a second server, wherein the second server issues a data packet representing a loan to a first participant device and notifies the first participant device to return the data packet representing the loan within a pre-set repayment period;

Date Recue/Date Received 2022-06-14 releases the data representing frozen funds of the second participant when the first server receives a notification from the second server that the first participant device has returned the data packet representing the loan;
keeping a frozen status of the data representing funds of the second participant device when the first server on condition that the second server fails to receive the data packet representing the loan returned by the first participant device within the pre-set repayment period, wherein the first participant device issues a request for the data packet representing the loan to the second participant device, wherein the data packet representing the loan is issued by the second server to the first participant device based on an electronic commitment payment certificate generated by the first server according to an application of the second participant device;
notifies the second participant device to respond to agree to return the data packet representing the loan and a data packet representing loan interest in place of the first participant device; and receiving a message that the second participant device agrees to replace the first participant device to return the data packet representing the loan in place of the first participant and unfreezes the data representing frozen funds of the second participant device to a finance system of the second server.

14. The method of claim 13, wherein the electronic commitment payment certificate is generated by the first server according to the application of second participant device as a guarantee of data representing account funds or credit line and fteezing the data representing funds of the second participant device which amount is not less than the data packet representing the loan.

15. The method of claim 13 further comprising:

Date Recue/Date Received 2022-06-14 issuing a data representing interest to the second participant device that the data representing interest has been frozen during the frozen period;
inputting the second participant device's repayment record on schedule into a bank credit system; and increasing a credit rating of the second participant device in the bank credit system.

16. The method of any one of claims 13 to 15, wherein the first server and the second server are banks.

17. The method of any one of claims 13 to 15, wherein the first server and the second server are other financial institutions.

18. The method of any one of claims 13 to 17, wherein the first server and the second server both may be the same institution or may be different institutions respectively.

19. The method of any one of claims 13 to 17, wherein the first server and the second server may be different institutions respectively.

20. The method of any one of claims 13to 19, wherein the first participant device is a borrower.

21. The method of any one of claims 13 to 20, wherein the second participant device is the lender.

22. A data interaction processing method to additionally create at least two data relationship between two parties comprising:

Date Recue/Date Received 2022-06-14 a first server, based on a data certificate, locks part of data in a data unit of a data initiating terminal;
the first server delivers the data certificate to a second server;
the second server issues the part of the data to a data requesting terminal and notifies the data requesting terminal to return the part of the data within a pre-set repayment date;
the first server releases the part of the data locked in the data unit of the data initiating terminal when the first server receives a notification from the second server that the data requesting terminal has added a first data value;
the first server keeps the part of the data is locked in data unit of the data initiating terminal when the first server determines that the data requesting terminal does not add the first data value before the pre-set repayment date to a data unit of the second server, wherein the data requesting terminal issues a request to add the first data value to the data initiating terminal, wherein the first data value is issued by the second server to the data requesting terminal according to the data certificate delivered by the first server according to an application of the data initiating terminal;
the first server notifies the data initiating terminal to respond to agree to add the first data value to the data unit in place of the data requesting terminal;
a data initiating terminal delivers to the first server a message that agrees to add a first data value to the data unit of the second server in place of the data requesting terminal;
and a first server receives a notification and the locked data of the data initiating terminal into the data unit of the second server, wherein the data value of a payment is equal to the value of the first data value and a value-added data of the first data value.

Date Recue/Date Received 2022-06-14

23. The method of claim 22, wherein the data certificate is the application delivered by the first server based on the data requesting terminal, a quantitative tool of a pre-established data association relationship, open after locking the data in the data unit of a data initiating terminal whose value is not less than the first data value.

24. The method of claim 22 further comprising:
the first server adds the value in the data unit of the data initiating terminal to the first server equal to the data value of the first data which the value-added data were produced in a locked period.

25. The method of claim 22 further comprising:
the data initiating terminal reduces a grade of the data requesting terminal in their credit system.

26. The method of any one of claims 22 to 25 further comprising:
when the data requesting terminal fails to add the first data value to the data unit of the second server within the pre-set repayment date, the second server imposes a delayed data on the data requesting terminal to the first data value generated due to date beyond the pre-set repayment date.

27. A data interaction processing method, applied in a first server, the method comprises:
locking part of data in a data unit of the data initiating terminal based on a data certificate;
delivering the data certificate to a second server wherein the second server issues the part of the data to a data requesting terminal and notifies the data requesting terminal to return the part of the data within a pre-set repayment date;
Date Recue/Date Received 2022-06-14 keeping the part of the data locked in the data unit of the data initiating terminal when the first server determines that the data requesting terminal does not add a first data value before the pre-set repayment date to a data unit of the second server, wherein the first data value is according to the data certificate delivered by the first server according to an application of the data requesting terminal; and receiving a notification and the locked data of the data initiating terminal into the data unit of the second server, wherein the data value of a payment is equal to the value of the first data value and a value-added data of the first data value.

28. The method of claim 27, 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.

29. The method of claim 28, wherein the data certificate is the application delivered by the first server based on the data requesting terminal, a quantitative tool of a pre-established data association relationship, open after locking the data in the data unit of a data initiating terminal whose value is not less than the first data value.

30. The method of claim 27 further comprising:
adding the value in the data unit of the data initiating terminal to the first server equal to the data value of the first data which the value-added data were produced in a locked period.

31. A data interaction processing system including a data requesting terminal, a data initiating terminal, to additionally create at least two data relationship between two parties using a first server and a second server, the system comprises:
the data requesting terminal, configured to:

Date Recue/Date Received 2022-06-14 receive a part of the data from the second server and receive notification to return the part of the data within a pre-set period;
add a first data value to data unit of a second server within the pre-set period;
the first server, configured to:
lock the part of data in a data unit of the data initiating terminal based on a data certificate;
delivers the data certificate to the second server;
releases the part of the data locked in the data unit of the data initiating terminal when the first server receives a notification from the second server that the data requesting terminal has added the first data value;
keep the part of the data is locked in the data unit of the data initiating terminal when the first server deteimines that the data requesting terminal does not add the first data value before a pre-set date to a data unit of the second server, wherein the data requesting terminal issues a request to add the first data value to the data initiating terminal, wherein the first data value is issued by the second server to the data requesting terminal according to a data certificate delivered by the first server according to an application of the data initiating terminal;
notifies the data initiating terminal to respond to agree to add the first data value to the data unit in place of the data requesting terminal; and receive a notification and the locked data of the data initiating terminal into the data unit of the second server, wherein the data value of a payment is equal to the value of the first data value and a value-added data of the first data value.

Date Recue/Date Received 2022-06-14 the data initiating terminal, configured to:
deliver to the first server a message that agrees to add a first data value to the data unit of the second server in place of the data requesting terminal;
the second server, configured to:
receive a data certificate from the first server;
issue the part of the data to the data requesting terminal and notify the data requesting terminal to return the part of the data within the pre-set period;
receive the first data value returned by the data requesting terminal; and receive the first data value returned by the data initiating terminal.

32. The system of claim 31, wherein 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 a data initiating terminal whose value is not less than the first data value.

33. A first server comprising:
a locking module, configured to:
lock a part of data in a data unit of a data initiating terminal;

Date Recue/Date Received 2022-06-14 keep the part of the data locked in the data unit of the data initiating terminal when the first server determines that a data requesting terminal does not add a first data value before a pre-set date to a data unit of a second server, wherein the data requesting terminal issues a request to add the first data value to the data initiating terminal, wherein the first data value is issued by the second server to the data requesting terminal according to a data certificate delivered by the first server according to an application of the data initiating terminal;
a receiving module, configured to:
receive a notification and the locked data of the data initiating terminal into the data unit of the second server, wherein the data value of a payment is equal to the value of the first data value and a value-added data of the first data value;
a delivery module, configured to:
delivers the data certificate to the second server, wherein the second server issues the part of the data to the data requesting terminal and notifies the data requesting terminal to return the part of the data within the pre-set date;
notifies the data initiating terminal to respond to agree to add the first data value to the data unit in place of the data requesting terminal; and release the locked data of the data initiating terminal into the data unit of the second server, wherein the data value of the payment is equal to the value of the first data value and the value-added data of the first data value.

34. The server of claim 33, wherein 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 a data initiating terminal whose value is not less than the first data value Date Recue/Date Received 2022-06-14