CA3068510C

CA3068510C - A data interaction processing system and method for improving data security and data exchange stability

Info

Publication number: CA3068510C
Application number: CA3068510A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-05-29
Filing date: 2015-05-29
Publication date: 2022-06-07
Anticipated expiration: 2035-05-29
Also published as: CA3068509A1; WO2016191932A1; CA3068512A1; CA2987460A1; CA3068510A1; CA3068503A1; CA3068515A1

Abstract

Abstract A data interaction processing method and system for improving data security and data exchange stability are provided. The method comprises: delivering a notification to a requesting terminal to add a first data value to a data unit of a second server within a pre-set period; delivering a notification to a first server after the requesting terminal has added the first data to the data unit of the second server; unlocking a data value corresponding to the first data value in a data unit of an initiating terminal, wherein the first data value is delivered by the second server to the requesting terminal according to a data certificate that quantifies a pre-established data association relation between the initiating terminal and the first server, whereby a data interaction relationship between the initiator terminal and the requesting terminal is established to restore the first data value if data interaction is disabled. Date Recue/Date Received 2021-06-28

Description

A DATA INTERACTION PROCESSING SYSTEM AND METHOD FOR IMPROVING DATA
SECURITY AND DATA EXCHANGE STABILITY
[1] [Technical Field]

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

[3] [Background Technology]

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

[5] Take a user processing the data in his daily life as an example, when a user applies for a loan, a loan may be directly borrowed between an individual and individual or an individual borrows from a bank. However, the 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 device 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 second Funds-Management server fails to receive the loan returned by the First Participant on the first target date, it issues a payment notice to the First Participant that the loan to be returned within a Second target date; wherein the loan is issued by the Date Recue/Date Received 2021-06-28 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 First Participant receives the payment notice and returns a loan to the second Funds-Management server within the second target date;

[11] The second Funds-Management server receives the loan returned by the First Participant; and delivers a notification to the first Funds-Management server informing the first Funds-Management server that the First Participant has returned loan;

[12] 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.

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

[14] 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;

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

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

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

[18] Receiving the loan returned by the First Participant on the first target date; and delivering a notification to the first Funds-Management server informing the first Funds-Management server that the First Participant has returned the loan so that the first Funds-Management server release the funds of the Second Participant that are equal to the loan.

[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 Second Service Party detects that the data requested by the data requester does not add the first data value to the data unit of the Second Service Party, and delivers a notification to the data requester to add a first data value to the data unit of the Second Service Party on the second 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;

[21] The data requester receives the notification and adds a first data value to the data unit of the Second Service Party on the second target date;

[22] The Second Service Party delivers a notification to the First Service Party informing that the data requester has added a first data value;

[23] 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.

[24] 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:

[25] 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;

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

[27] 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:

[28] When the Second Service Party detects that the data requested by the data requester does not add the first data value on the first target date to the data unit of the Second Service Party, and delivers a notification to the data requester to add a first data value to the data unit of the Second Service Party on the second 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;

[29] When detecting that the data requester adds the first data value to the data unit of the Second Service Party on the second target date, the Second Service Party delivers a notification to the First Service Party informing that the first data value has been added to the First Service Party, making the First Service Party to release the data in the data unit of the data initiator whose data value is equal to the first data value.

[30] 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;

[31] When the Second Server detects that the data requested by the data requesting terminal does not add the first data value on the First target date to the data unit of the second serve, and delivers a notification to the data requesting terminal to add a first data value to the data unit of the Second Server on the second target date; wherein the loan is delivered by the Second Server to the data requester according to the data certificate from the first server, the data certificate is the application delivered by the first server based on the data requesting terminal, open after locking the data in the data unit of the data initiator whose value is not less than the funds of the loan amount;

[32] The data requesting terminal receives the notification and adds a first data value to the data unit of the Second Server on the Second target date;

[33] The Second Server delivers a notification to the first server informing that the data requesting terminal has added a first data value;

[34] The First Server receives 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.

[35] 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,

[36] 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 service terminal;
wherein the first data value is delivered by the Second Server to the data requesting terminal according to the data certificate from the first server, the data certificate is the application delivered by the first server based on the data requesting terminal, open after locking the data in the data unit of the data initiator terminal whose value is not less than the first data value;

[37] 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.

[38] 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,

[39] The delivery module is used to detect that the data requested by the data requesting terminal does not add the first data value on the First target date to the data unit of the Second Server, and delivers a notification to the data requester to add a first data value to the data unit of the Second Server on the Second 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 requesting terminal, opens after locking the data in the data unit of the data initiator whose value is not less than the first data value;

[40] The delivery module is used to when the detecting module detect that the data requesting terminal adds the first data value to the data unit of the Second Server before the second target date, the Second Server delivers a notification to the First Server informing that the data requesting terminal has added the first data value added to the First Server, making the First Server to release the data in the data unit of the data initiator terminal whose data value is equal to the first data value.

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

[42] When the second Funds-Management server does not receive the loan returned by the First Participant on the first target date, it issues a payment notice to the First Participant that the loan needs to be returned on the second target date, the First Participant receives the payment notification and returns a loan to the second Funds-Management server on the second target date; and the second Funds-Management server receives the loan returned by the First Participant and delivering 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 releases the funds opened by the Second Participant whose value is equal to the electronic commitment payment certificate. By involving the first Funds-Management server and the second Funds-Management server into the loans of the First Participant and the Second Participant, it can effectively reduce the risk of loans and ensure the circulation of the funds flow stably.

[43] [Brief Description]

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

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

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

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

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

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

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

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

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

[53] [Description of the Preferred Examples]

[54] 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:

[55] 101: When the second Funds-Management server does not receive the loan returned by the First Participant on the first target date, it issues a payment notification to the First Participant that the loan needs to be returned on the second target date.

[56] 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 not less than the loan amount;

[57] 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.

[58] 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

[59] 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.

[60] 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.

[61] 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 funds of the Second Participant in this Funds-Management server, such as 120,000, of which the value of the frozen funds is not less than the value of electronic commitment payment certificate. 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.

[62] If the First Participant fails to return the loan to the second Funds-Management server on the first target date, if the First Participant fails to return 100,000 of the loan within 6 months, the second Funds-Management server delivers a payment notification to the First Participant requiring the return of the loan on the second target date.

[63] It should be noted that if the First Participant fails to return the loan to the second Funds-Management server on the first target date, the first Funds-Management server does not receive the second Funds-Management server although the first target date has arrived, the Funds-Management server did not receive the notification from the second Funds-Management server that the First Participant had return the loan and the first Funds-Management server still maintains the frozen funds of Second Participant's frozen status not less than the loan amount.

[64] Since the First Participant fails to return the loan to the second Funds-Management server on the first target date, it has violated the stipulation of the loan, 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 delay fee or/and deferred repayment.

[65] 102: The First Participant receives the payment notification and returns a loan to the second Funds-Management server on the second target date.

[66] In addition, since this loan is equivalent 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.

[67] 103: 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.

[68] The second Funds-Management server receives the loan, loan interest and deferred penalty 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.

[69] 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.

[70] 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.

[71] 104: 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.

[72] 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.

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

[74] In this loan, for the Second Participant, the deposit of 100,000 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.

[75] 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 Second 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.

[76] Different from the existing technology, when the second Funds-Management server in the present example does not receive the loan returned by the First Participant on the First 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 funds equal to the value of the electronic commitment payment certificate opened by the Second Participant. By involving the first Funds-Management server and the second Funds-Management server into the loans of the First Participant and the Second Participant, it can effectively reduce the risk of loans and ensure the circulation of the funds flow stably.

[77] 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.

[78] In another example, if the First Participant returns the loan and loan interest to the second Funds-Management server on the First 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.

[79] 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 agrees to pay the First Participant's loan and the loan interest instead of the First Participant, and the Second Participant pays the loan and the loan interest equal to the funds asset to the second Funds-Management server's financial system.

[80] 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.

[81] 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 repayment method of this example includes the following steps:

[82] 201: The first Funds-Management server receives the notification delivered by the second Funds-Management server that the First Participant has return the loan.

[83] Wherein, the first Funds-Management server and the second Funds-Management server are banks or financial institutions.

[84] 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.

[85] 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.

[86] 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.

[87] 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.

[88] 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.

[89] 202: The first Funds-Management server releases the Second Participant's funds equal to the loan.

[90] 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.

[91] 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.

[92] 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.

[93] 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.

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

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

[96] 301: When the second Funds-Management server does not receive the loan returned by the First Participant on the first target date, it issues a payment notification to the First Participant that the loan needs to be returned on the second target date.

[97] 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.

[98] 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.

[99] 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

[100] 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.

[101] Wherein, the first Funds-Management server and the second Funds-Management server are banks or 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.

[102] When the second Funds-Management server does not receive the loan returned by the First Participant on the first target date, it issues a payment notification to the First Participant that the loan needs to be returned on the second target date.

[103] It should be noted that if the First Participant fails to return the loan to the second Funds-Management server on the first target date, the first Funds-Management server does not receive the second Funds-Management server although the first target date has arrived, the Funds-Management server did not receive the notification from the second Funds-Management server that the First Participant had return the loan and the first Funds-Management server still maintains the frozen funds of Second Participant's frozen status not less than the loan amount.

[104] Since the First Participant fails to return the loan to the second Funds-Management server on the first target date, it has violated the stipulation of the loan, 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 delay fee or/and deferred repayment.

[105] In addition, since this loan is equivalent to the loan directly issued by the second Funds-Management server to the First Participant, the first Funds-Management server also needs to pay the second Funds-Management server the loan interest payable during the loan period.

[106] 302: Receive the loan returned by the First Participant on a Second target date; and 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.

[107] If the second Funds-Management server returns a loan to the second Funds-Management server on a Second target date, the second Funds-Management server receives the loan, loan interest and deferred penalty 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.

[108] 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.

[109] 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.

[110] 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 Second 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.

[111] Different from the existing technology, when the second Funds-Management server in the present example does not receive the loan returned by the First Participant on the First 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, receiving the loan returned by the First Participant on the Second target date; and delivers the notification that the First Participant has returned the loan to the first Funds-Management server, making the first Funds-Management server release the Second Participant's funds equal to the loan. By involving the first Funds-Management server and the second Funds-Management server into the loans of the First Participant and the Second Participant, it can effectively reduce the risk of loans and ensure the circulation of the funds flow stably.

[112] 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 present example includes:

[113] 401: When the Second Service Party detects that the data requester fails to add the first data value to the data unit of the Second Service Party, the service party delivers to the data requester an instruction that adding the first data value to the data unit in the Second Service Party on the Second target date.

[114] 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.

[115] 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.

[116] 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.

[117] 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.

[118] When the data requester fails to add the first data value to the data unit of the Second Service Party before the First target date, the Second Service Party delivers a notification to the data requester that the first data value is added to the data unit of the Second Service Party on the Second target date,

[119] If the data requester adds the first data value to the data unit of the Second Service Party before a predetermined date, even though the First target date has arrived, because the First Service Party did not receive the notification that the data requester delivered by the Second Service Party has added a first data value to the data unit of the Second Service Party, as a result, the First Service Party maintains the status that at least some of the data in the data unit of the data initiator remains locked.

[120] 402: The data requester receives the notification, and adds a first data value to the data unit of the Second Service Party on the Second target date.

[121] In addition, since the data requester adds a first data value to the data unit of the Second Service Party by a predetermined date, the second service data requester requests the data requester to collect the second data value due to the extended period.

[122] 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.

[123] 403: The Second Service Party delivers a notification to the First Service Party that the data requester has added the first data value.

[124] 404: 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. 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.

[125] 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.

[126] Different from the existing technology, when the Second Service Party of this example detects that the data requester fails to add the first data value to the data unit of the Second Service Party, the Second Service Party 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. 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.

[127] 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:

[128] 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.

[129] 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.

[130] 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 data initiator to the Second Service Party, wherein the data certificate is a quantitative tool of a pre-established data association relationship between the data initiator and the First Service Party.

[131] 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.

[132] 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.

[133] If the data requester adds a first data value to a data unit of a Second Service Party within a predetermined date, 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. Correspondingly, the First Service Party receives the above notification.

[134] 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.

[135] In another example, in order to increase data interaction between the service party and the data requester, the 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.

[136] 502: Unlocks the data whose size corresponds to the first data value in the data unit of the data initiator.

[137] 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.

[138] In addition, although part of the data units in the data initiator are locked, the data initiator still owns them, The First Service Party unlocks the data in the data unit of the data initiator equal to the data value of the first data value, and the First Service Party issues the data initiator with added value of frozen data during the freezing period.

[139] 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 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.

[140] 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:

[141] 601: When the Second Service Party detects that the data requester fails to add the first data value to the data unit of the Second Service Party on the First target date, the service party delivers to the data requester an instruction that adding the first data value to the data unit in the Second Service Party on the Second target date.

[142] 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.

[143] 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 data initiator to the Second Service Party, wherein the data certificate is a quantitative tool of a pre-established data association relationship between the data initiator and the First Service Party.

[144] 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.

[145] 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.

[146] When the data requester fails to add the first data value to the data unit of the Second Service Party before the First target date, the Second Service Party delivers a notification to the data requester that the first data value is added to the data unit of the Second Service Party on the Second target date,

[147] If the data requester adds the first data value to the data unit of the Second Service Party before a predetermined date, even though the First target date has arrived, because the First Service Party did not receive the notification that the data requester delivered by the Second Service Party has added a first data value to the data unit of the Second Service Party, as a result, the First Service Party maintains the status that the data whose value in the data unit of the data initiator is not less than the first data value remains locked.

[148] In addition, since the data requester adds a first data value to the data unit of the Second Service Party by a predetermined date, the second service data requester requests the data requester to collect the second data value due to the extended period.

[149] 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.

[150] 602: When the Second Service Party detecting the data unit of the Second Service Party to add the first data value to the data unit of the Second Service Party before the Second 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.

[151] 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.

[152] In addition, although some of the data units in the data initiator are in a locked state, they 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 issue the second rights of frozen data to the data originator during the freezing period.

[153] Different from the existing technology, when the Second Service Party of this example detects that the data requester fails to add the first data value to the data unit of the Second Service Party on the First target date, the Second Service Party 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 before the Second target date. When detecting 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 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 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.

[154] Please refer to Figure 7, Figure 7 is a schematic structural diagram of an example of a data interaction processing system according to the present invention. The data interaction system in this example includes a data requesting Terminal 701, a data initiating Terminal 702, a First Server 703, and a Second Server 704,

[155] The Second Server 704 is used to detect that the data requesting Terminal 701 does not increase the first data value to the data unit of the Second Server 704 on the First target date, A notification of adding the first data value to the data unit of the Second Server 704 is delivered to the data requesting Terminal 704 on the Second target date.

[156] Wherein the loan is issued by the Second Server 704 to the First Participant according to the electronic commitment payment certificate from the First Server 703, and the electronic commitment payment certificate is opened and delivered by the First Server 703 according to the application of the data initiating Terminal 702, freezing the funds of the data unit of the data initiating Terminal 702 which value is not less than the loan amount.

[157] The data requesting Terminal 701 is used to receive the notification and add the first data value to the data unit of the Second Server 704 on the Second target date.

[158] The Second Server 704 is further used to send 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.

[159] The First Server 703 receives 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.

[160] Different from the existing technology, when the Second Server of this example detects that the data requesting terminal fails to add the first data value to the data unit of the Second Server on the First target date, the Second Server delivers a notification to the data unit of the data requesting terminal to add a first data value to the data unit of the Second Server on the Second target date, the data requesting terminal receives the notification, and adds a first data unit of the Second Server on the Second target date.
The Second Server delivers a notification to the First Server to inform the First Server that the data requesting terminal has added the first data value to the data unit of the Second Server. The First Server receives the notification delivered by the Second Server and unlocks the data in the data unit of the data initiating terminal whose value equal to the size 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] 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.

[162] 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 service terminal.

[163] 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.

[164] 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.

[165] 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 terminal, the unlocking module parscs 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.

[166] 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 detection module 901 and a delivery module 902,

[167] The delivery module 901 is used for when the detecting module 902 detect that data requesting terminal is not increasing the first data value of the Second Serve on the First target date, and delivers a notification of the first data value to the data unit of the Second Server on the Second target date.

[168] 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.

[169] The delivery module 901 is also used in the condition that when the detecting module 902 detects that the data requesting terminal adds a first data value to the data unit of the Second Server before the Second target date, delivers the notification that the data requesting terminal has added the first data value to the data unit in the Second Server 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.

[170] Different from the existing technology, when the delivery module of the Server in this example detects that the data requesting terminal fails to add the first data value to the data unit of the Second Server on the First target date, the Second Server delivers a notification to the data unit of the data requesting terminal to add a first data value to the data unit of the Second Server before the Second target date. When the detecting module detecting the data requesting terminal has added the first data value to the data unit of the Second Server before the Second target date, a notification is delivered to the First Server to inform the First Server that the data requesting terminal has added the first data value to the data unit of the Second Server, and unlocks the data in the data unit of the data initiating terminal whose value equal to the size 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.

[171] 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

Claims:

1. A data interaction processing method comprising:
a data initiating terminal applies to a first server to open a data certificate equal to a first data value, wherein the data certificate quantifies a pre-established data association relationship between the data initiating terminal and the first server;
the first server opens the data certificate and locks data corresponding to the first data value in a data unit of the data initiating terminal;
a second server receives the data certificate from the first server and delivers the first data value to a data requesting terminal, requiring that the first data value is returned to the second server within a first pre-set period;
when a second server detects that the data requesting terminal does not add the first data value to a data unit of the second server within the first pre-set period, delivering a first notification to the data requesting terminal to add the first data value to the data unit of the second server within a second pre-set period;
the data requesting terminal adds the first data value to the data unit of the second server within the second pre-set period after receiving the first notification;
the second server delivering a second notification to a first server that the data requesting terminal has added the first data value; and the first server unlocks data corresponding to the first data value in the data unit of a data initiating terminal after receiving the second notification delivered by the second server;
whereby additional data association relationships between the data requesting terminal and both the first server and the second server are created based on the pre-established data association relationship to improve data security and data exchange stability of a data interaction between the data initiating terminal and the data requesting terminal if the pre-established data association relationship is disrupted.

2. The method of claim 1, wherein the first server unlocks the data corresponding to the first data value in the data unit of the data initiating terminal and adds value-added data produced in a locking stage to the data unit of data initiating terminal.

Date Recue/Date Received 2021-12-29

3. The method of claim 1, wherein the second server delivering a notification to a first server informing the first server that the data requesting terminal has added the first data value to the data unit of the second server, the method further includes:
recording when the data requesting terminal adds the first data value to the data unit of the second server on time; and increasing a grade of the data requesting terminal.

4. The method of claim 1, wherein the data certificate is delivered by the first server based on the data requested by the data requesting terminal after locking data in the data unit of the data initiating terminal, wherein a locked data value is not less than the first data value.

5. The method of claim 4, wherein the data initiating terminal maintains ownership of the data locked in the data unit of the data initiating terminal.

6. A data interaction processing system comprising:
a second server, configured to:
receive a data certificate from a first server, wherein the data certificate quantifies a pre-established data association relationship between a data initiating terminal and the first server;
deliver a first data value to a data requesting terminal, according to the data certificate, requiring that the first data value is returned to the second server within a first pre-set period;
when the second server detects the data requesting terminal does not return the first data value within the first pre-set period, deliver a first notification to the data requesting terminal to add the first data value to the data unit of the second server within a second pre-set period; and deliver a second notification to the first server that the data requesting terminal has added the first data value a data requesting terminal, configured to:

Date Recue/Date Received 2021-12-29 receive the first notification that the first data value is to be added to the data unit of the second server; and add the first data value to the data unit of the second server within a second pre-set period;
a data initiating terminal, configured to:
apply to the first server to open the data certificate;
the first server, configured to:
open the data certificate, wherein the data certificate is equal in value to the first data value;
lock data corresponding to the first data value in a data unit of the data initiating terminal;
deliver the data certificate to the second server, receive the second notification delivered by the second server;
; and unlock the data corresponding to the first data value in the data unit of a data initiating terminal, whereby additional data association relationships between the data requesting terminal and both the first server and the second server are created based on the pre-established data association relationship to improve data security and data exchange stability of a data interaction between the data initiating terminal and the data requesting terminal if the pre-established data association relationship is disrupted.

7. The system of claim 6, wherein the second server further requests the data requesting terminal to collect a second data value due to an overdue period.
Date Recue/Date Received 2021-12-29

8. The system of claim 6, wherein the data certificate is delivered by the first server based on the data requested by the requesting terminal after locking data in the data unit of the data initiating terminal, wherein a locked data value is not less than the first data value.

9. The system of claim 8, wherein the data initiating terminal maintains ownership of the locked data in the data unit of the data initiating terminal.

Date Recue/Date Received 2021-12-29